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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

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 ([hidden email])

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.


Qin Wang

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