From: "Dr. Hamza Khalifa" <drhamz@info.lt>
Reply-To: drhamza@info.lt
Date: Wed, 19 May 2010 01:31:33 +0200 (CEST)
Subject:

Attention Please,

I am Dr. Hamza Khalifa, Head of Private Banking Division Saxo Bank Dubai.

I am contacting you concerning a deceased customer and an investment he
placed under our bank's 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 2007, 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
Forty Eight Million Three Hundred and Fifty Thousand United States Dollars
($48,350,000.00 USD), which he wished to have us turn over (invest) on his
behalf. I was the officer assigned to his case; which 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 advice 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 2009, he told me he wanted the money be prepered for release to a
real estate company here where he had bought some shares, in anticipation
of his arrival from the United States later that week. This was the last
communication we had, this transpired around 25th June 2009 last year.

I made futile efforts to locate the deceased. I immediately passed the
task of locating him to the internal investigations department of our
Bank. 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 West Virgina, USA.

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; the deceased died
without a testament .In line with our internal processes for account
holders who have passed away, we instituted our own Investigations in good
fate 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 contacting you to stand as the Next of Kin to the Deceased since
you share similar details, though he lived all his life in the United
States.

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, my Bank will by the end of this financial year
broadcast a request for statements of claim to the Board of Director,
failing to receive viable claims they will most probably channel the funds
to the Bank Accounting System. This will result in the money entering the
the Bank 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. I alone have the deposit details and they will release the
deposit to no one unless I instruct them to do so. My Bank is 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 mans 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 have my Bank 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 any of my relations/friend
to come forward for this, but that would draw a straight line to me and my
involvement in claiming the deposit, since they share no similar details.
Hence, my resolve to contact you to take advantage of this once in a life
time opportunity.

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 , and then you send in your application for
claim.

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 me 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 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 share the
blessing.

If you find yourself able to work with me, let me know. 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 seize communication with you. 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 the email address that i we provide for
you. I do not want any direct link between you and me, to ensure a smooth
deal. 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 learnt from my private banking clients. Do
not betray my confidence. If we can be of one accord, Send me your Mobile
Phone Number and i will give you a call.

I await your response.

Best Regards,
Dr. Hamza Khalifa.