From Qin

[QIN WANG]

Qin Wang
Lloyds TSB Pacific Limited 
Hong Kong Branch
Fax: +852-301-66259
                                                                       
Thank you for giving me your time. Please be patient and read my email to you.

I am a staff of Lloyds TSB Group attached in Private Banking Services. I am 
contacting you 
concerning a customer and, an investment placed under our banks management 3 
years ago, I 
contacted you independently of our investigation and no one is informed of this 
communication 
and I Would like to intimate you with certain facts that I believe would be of 
interest to 
you.

In 2000, the subject matter; ref: bb/tsb/bank/73 came to our bank to engage in 
business 
discussions with our Private Banking Services Department. He informed us that 
he had a 
financial portfolio of 8.35 million United States Dollars, which he wished to 
have us turn 
over on his behalf. I was the officer assigned to his case; I made numerous 
suggestions in 
line with my duties as the de-facto chief operations officer of the Private 
Banking Services 
Department, especially given the volume of funds he wished to put into our 
bank. We met on 
numerous occasions prior to any investments being placed. I encouraged him to 
consider 
various growth funds with prime ratings. The favored route in my advice to 
customers is to 
start by assessing data on 600 traditional stocks and bond managers and 
alternative 
investments. Based on my advice, we spun the money around various opportunities 
and made 
attractive margins for our first months of operation, the accrued profit and 
interest stood 
at this point at over 10 million United States Dollars, this margin was not the 
full 
potential of the fund but he desired low risk guaranteed returns on 
investments. In mid 2001, 
he asked that the money be liquidated because he needed to make an urgent 
investment 
requiring cash payments in Europe. He directed that I liquidate the funds and 
had it 
deposited with a firm in Europe. I informed him that our bank would have to 
make special 
arrangements to have this done and in order not to circumvent due process, the 
bank would 
have to make a 9.5 % deduction from the funds to cater for banking and 
statutory charges. He 
complained about the charges but later came around when I explained to him the 
complexities 
of the task he was asking of us. Cash movement across borders has become 
especially strict 
since the incidents of 9/11. 

I contacted my affiliate in Europe and had the funds available in main land 
Europe. I 
undertook all the processes and made sure I followed his precise instructions 
to the letter 
and had the funds deposited in a security consultancy firm, the firm is a 
specialist private 
firm that accepts deposits from high net worth individuals and blue chip 
corporations that 
handle valuable products or undertake transactions that need immediate access 
to cash. This 
small and highly private organization is familiar especially to the highly 
placed and Well-
connected organizations. In line with instructions, the money was deposited. He 
told me he 
wanted the money there in anticipation of his arrival from Norway later that 
week. This was 
the last communication we had, this transpired around 20th  June 2002. In June 
last year, we 
got a call from the security firm informing us of the inactivity of that 
particular 
portfolio. This was an astounding position as far as I was concerned, given the 
fact that I 
managed the private banking sector I was the only one who knew about the 
deposit, and I could 
not understand why he had not come forward to claim his deposit.

 I made futile efforts to locate him I immediately passed the task of locating 
him to the 
internal investigations department of our bank. Four days later, information 
started to 
trickle in, that he was apparently dead. A person who suited his description 
was declared 
dead of a heart attack in Cannes, South of France. We were soon enough able to 
identify the 
body and cause of death was confirmed. The bank immediately launched an 
investigation into 
possible surviving next of kin to alert about the situation and also to come 
forward to claim 
his estate. If you are familiar with private banking affairs, those who 
patronize our 
services usually prefer anonymity, but also some levels of detachment from 
conventional 
processes. In his bio-data form, he listed no next of kin. In the field of 
private banking, 
opening an account with us means no one will know of its existence, accounts 
are rarely held 
under a name depositors use numbers and codes to make the accounts anonymous. 
This bank also 
gives the choice to depositors of having their mail sent to them or held at the 
bank itself, 
ensuring that there are no traces of the account and as I said, rarely do they 
nominate next 
of kin. Private banking clients apart from not nominating next of kin also 
usually in most 
cases leave wills in our care, in this case; he died in testate.

What I wish to relate to you will smack of unethical practice but I want you to 
understand 
something. It is only an outsider to the banking world who finds the internal 
politics of the 
banking world aberrational. The world of private banking especially is fraught 
with huge 
rewards for those who occupy certain offices and oversee certain portfolios. 
You should have 
begun by now to put together the general direction of what I propose. There is 
US$ 
8,370,000.00 deposited, I alone have the deposit details and they will release 
the deposit to 
no one unless I instruct them to do so. I alone know of the existence of this 
deposit for as 
far as the finance firm, the transaction with our deceased customer concluded 
when I sent the 
funds to the firm, all outstanding interactions in relation to the file are 
just customer 
services and due process. The finance firm has no single idea of what's the 
history or nature 
of the deposit. They are simply awaiting instructions to release the deposit to 
any party 
that comes forward. This is the situation. This bank has spent great amounts of 
money trying 
to track this man's family; they have investigated for months and have found no 
family. The 
investigation has come to an end.

My proposal,you share similar details to the late fellow  I am prepared to 
place you in a 
position to instruct the finance firm to release the deposit to you as the 
closest surviving 
relation. Upon receipt of the deposit, I am prepared to share the money with 
you in half and 
no more. That is: I will simply nominate you as the next of kin and have them 
release the 
deposit to you. We share the proceeds 50/50. I would have gone ahead to ask the 
funds be 
released to me, but that would have drawn a straight line to me and my 
involvement in 
claiming the deposit. But on the other hand, you with a similar name as the 
original 
depositor would easily pass as the beneficiary with the rights to claim. I 
assure you that I 
could have the deposit released to you in a few days. I will simply inform our 
bank of the 
final closing of the file relating to the customer. I will then officially 
communicate with 
the finance company and instruct them to release the deposit to you. With these 
two things: 
all is done.

The alternative would be for us to have the firm direct the funds to another 
bank with you as 
accountholder. This way there will be no need for you to think of receiving the 
money from 
the firm. We can fine-tune this based on our interactions. I am aware of the 
consequences of 
this proposal. I ask that if you find no interest in this project that you 
should discard 
this mail. I ask that you do not be vindictive or destructive. If my offer is 
of no appeal to 
you, delete this message and forget I ever contacted you. Do not destroy my 
career because 
you do not approve of my proposal. You may not know this but people like myself 
who have made 
tidy sums out of comparable situations run the whole private banking sector. I 
am not a 
criminal and what I do, I do not find against good conscience, this may be hard 
for you to 
understand, but the dynamics of my industry dictates that I make this move. 
Such 
opportunities only come ones' way once in a lifetime. I cannot let this chance 
pass me by

I hope you understand because for once I found myself in total control and face 
to face with 
my destiny. These chances won't pass me by. I ask that you do not destroy my 
chance, if you 
will not work with me let me know and let me move on with my life but do not 
destroy me. I am 
a family man and this is an opportunity to provide them with new opportunities. 
There is a 
reward for this project and it is a task well worth undertaking. I have 
evaluated the risks 
and the only risk I have here is from you refusing to work with me and alerting 
my bank. I am 
the only one who knows of this situation, good fortune has blessed you with a 
name that has 
planted you into the center of relevance in my life. Let's share the blessing.

If you give me positive signals, I will initiate this process towards a 
conclusion. I wish to 
inform you that should you contact me via official channels; I will deny 
knowing you and 
about this project. I repeat, I do not want you contacting me through my 
official phone lines 
nor do I want you contacting me through my official email account. Contact me 
only through 
this email address (address@hidden)


I do not want any direct link between you and me. My official lines are not 
secure lines as 
they are periodically monitored to assess our level of customer care in line 
with our Total 
Quality Management Policy.

Please observe this instruction religiously. Please, again, note I am a family 
man; I happily 
married with two kids. I send you this mail not without a measure of fear as to 
what the 
consequences might be, but I know within me that nothing ventured is nothing 
gained and that 
success and riches never come easy or on a platter of gold. This is the one 
truth I have 
learned from my private banking clients. Do not betray my confidence. If we can 
be of one 
accord, we should plan a meeting, soon.

I await your response.

Sincerely,

Qin Wang



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