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[Mr David Palmer]

Goodday,

I am David Palmer, staff of SMITH & WILLIAMSON Private Banking.

I am contacting you concerning a deceased customer and an investment he placed 
under our banks management three years ago.I would respectfully request that 
you 
keep the contents of this mail confidential and respect the integrity of the 
information you come by as a result of this mail.

I contacted you independently of our investigation and no one is informed of 
this 
communication. I would like to intimate you with certain facts that I believe 
would 
be of interest to you.In 2000, the subject matter; came to our bank to engage 
in 
business discussions with our private banking division. He informed us that he 
had 
a financial portfolio of Thirty million united states dollars,which he wished 
to 
have us turn over (invest) 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 sector, 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 advise to customers is to start by assessing data on 
6000 
traditional stocks and bond managers and 2000 managers of 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 ten 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 here in the united kingdom. He 
directed that I liquidate the funds and deposit it with a security firm. I 
informed 
him that SMITH & WILLIAMSON 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 boarders has 
become especially strict since the incidents of 9/11. I contacted my affiliate 
and 
made the funds available to the security firm. I undertook all the processes 
and 
made sure I followed his precise instructions to the letter and had the funds 
deposited with the security firm. The Security 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 with the security firm.The deceased told me he wanted 
themoney 
there in anticipation of his arrival from Norway later that week. This was the 
last 
communication we had, this transpired around 25th February 2003.In June last 
year, 
we got a call from the security firm informing us that 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 at 
the security firm, and I could not understand  why the deceased had not come 
forward to claim his deposit. I made futile efforts to locate the deceased. I 
immediately passed the task of locating him to the internal investigations 
department of SMITH & WILLIAMSON.Four days later, information started to 
trickle 
in,apparently our client was dead. A person who suited his description was 
declared 
dead of a heart attack in Canne, 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 
anonymou. 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; the deceased died without a
testate. In line with our internal processes for account holders who have 
passed 
away, we instituted our own investigations in good faith to determine who 
should 
have right to claim the estate. This investigation has for the past months been 
unfruitful.We have scanned every continent and used our private investigation 
affiliate companies to get to the root of the problem. It is this investigation 
that resulted in my being furnished with your details as a possible relative of 
the 
deceased. My official capacity dictates that I am the only party to supervise 
the 
investigation and the only party to receive the results of the investigation. 
What 
this means, you being the last batch of names we have considered, is that our 
dear 
late fellow died with no known or identifiable family member. This leaves me as 
the 
only person with the full picture of what the prevailing situation is in 
relation 
to the deposit and the late beneficiary of the deposit.

According to practice, The Security Firm will by the end of this financial year 
broadcast a request for statements of 
claim to SMITH & WILLIAMSON,failing to receive viable claims they will most 
probably  revert the deposit back to SMITH & WILLIAMSON.This will result in the 
money entering the SMITH & WILLIAMSON accounting  system and the portfolio will 
be 
out of my hands and out of the private banking division. This will not happen 
if I 
have my way.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  Thirty million 
dollars 
deposited in a security firm, 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 SMITH & WILLIAMSON is concerned,the 
transaction with our late customer concluded when I sent the funds to the 
security 
firm, all
outstanding interactions in relation to the file are just customer services and 
due 
process. The security 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 the same surname With our late client; I am prepared to 
place you in a position to instruct The security 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. 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 the same very name as the original depositor would easily 
pass 
as the beneficiary  with right to 
claim. I assure you that I could have the deposit released to you within a few 
days. I will simply inform the bank of the final closing of the file relating 
to 
the deceased I will then officially communicate with The Security Firm 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 Security Firm direct the funds to 
another bank with you as account holder. This way there will be no need for you 
to 
think of receiving the money from The Security Company. 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 and 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, for 
once I 
find myself in total control of my destiny. These chances wont 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.Lets share the blessing.If you find yourself able to work 
with 
me, contact me through this email account   address@hidden  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 the numbers I will provide for you and also 
through this email address. 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 
have 
a wife and children. I send you this mail not without a measure of fear as to 
what 
the consequences, 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.Kindly send your response to my private email address   
address@hidden

I await your response.

David Palmer.



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