From: "Terry Gilliam" <tgilliam54@excite.co.uk>
Date: Mon, 26 Dec 2011 09:52:49 -0000
Subject: Business Relationship.

TERRY GILLIAM
South Quay Plaza
183 Marsh Wall
London
E14 9SR

I am Terry Gillaim, British citizen and Principal assurance manager for
the HSBC in London. A staff of Yokozona consultancy firm got in touch with
me regarding the estate of Philip Smith. 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 contact you
independent 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 1997, the subject matter; Philip Smith came to our
bank to engage in business discussions with our private banking division.
He informed us that he had a financial portfolio of $45.500.000.00 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, 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 within few 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 1998, he
asked that the money be liquidated because he needed to make an urgent
investment requiring cash payments in United Kingdom. He directed that I
liquidate the funds and had it deposited with United Assets Management UK
(in their Securities Trading Firm). I informed him that HSBC London 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. I contacted my affiliate in United
Kingdom and had the funds made available to United Assets Management.

We undertook all the processes and made sure I followed his precise
instructions to the letter and had the funds deposited at United Assets
Management UK United Kingdom. United Assets Management UK is a specialist
bank 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. In Line with instructions, the money was
deposited with United Assets Management UK (in their Securities Trading
Firm).

Philip Smith told me he wanted the money there as soon as he got into the
United Kingdom, This was the last communication we had, this transpired
around 25th February 1999. In Sept last year, we got a call from United
Assets Management UK informing us about the inactivity of that particular
portfolio. This was an astounding position as far as I was concerned,
given the fact that I managed the International private banking sector I
was the only one who knew about the deposit at United Assets Management
UK, and I could not understand why Philip Smith had not come forward to
claim his deposit. I made futile efforts to locate Philip Smith. Four days
later, information started to trickle in, apparently Philip Smith was
dead. A person who suited his description was declared dead of AUTO
ACCIDENT TRAUMA in Birmingham England. 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. 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; Philip Smith 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. 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. You have
unfortunately declared, and I know that you are in no way affiliated with
this individual. 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, United Assets Management UK will by the end of this
quarter broadcast a request for statements of claim to HSBC in London,
failing to receive viable claims they will most probably revert the
deposit back to HSBC in London. This will result in the money entering the
HSBC in London 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 off 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 $45.500,000.00 deposited in United Assets Management UK,
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 United Assets Management UK is concerned, the
transaction with Philip Smith concluded when I sent the funds to United
Assets Management UK, all outstanding interactions in relation to the file
are just customer services and due process. United Assets Management UK
has no single idea of 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, I am prepared to place you as the next of kin in a position
to instruct United Assets Management UK 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 in 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 Philip Smith I will then officially communicate with United
Assets Management UK and instruct them to release the deposit to you. With
these: all is done. 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 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 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 you with and also through this email
address; (tgilliam54@excite.co.uk). 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 are, 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.

Respectfully,

Terry Gillaim