From: Michael Leyden <>
Reply-To: mleydboc112002@yahoo.com.cn
Date: Tue, 1 Jun 2010 15:35:54 +0200 (CEST)
Subject: Good Day

Dear friend,

I am Mr. Michael Leyden, the principal accounting officer of Private Banking
Services at the Bank of China (BOC). I am contacting you concerning our
customer and, an investment placed under our banks management 3 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 2002, the subject matter; ref: bb/boc/bank/0012 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 (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
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 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 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 2004, 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. I informed him that the
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 incident of 9/11. I contacted my
affiliate in and had the funds available.
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 9th October 2004.
In January this 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, 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 the bank of china. Four days
later, information started to trickle in, apparently he 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 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 intestate.
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. The
investigation did not ever yield any result 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.
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 firm will by the end of this financial
year broadcast a request for statements of claim to BOC, failing to receive
viable claims they will most probably revert the deposit back to BOC. This
will result in the money entering the BOC accounting system and the portfolio
will be out of my hands and out of the Private Banking Services Department.
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 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 BOC is concerned, 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.
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; I request your assistance in transferring this estate deposited
with my bank (BOC) out of china. You only stand in as the
recipient/beneficiary of the estate. 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. 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
customer I will then officially communicate with the 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 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 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 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 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 find yourself able to work with me, contact me through this same email
account. 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. 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.
If we can be of one accord, send me your response on this email
{mleydboc112002@yahoo.com.cn} to enable us commences this line of
discussion.
Best regards,
M. Leyden.