From: "Simon Ridley" <camnocri@cultura.com.br>
Reply-To: "" <simonridley@in.com>
Date: Sun, 9 Nov 2014 11:59:46 -0200
Subject: DEAR FRIEND




Dear Friend,

I am Simon Ridley a staff of Standard Bank,London branch, United Kingdom. I am contacting you concerning a deceased customer and an
investment he placed under our banks management three years ago, and 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 am contacting 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 the year 2007,the subject matter; came to our bank to engage in
business discussions.He informed us that he had a financial portfolio of Five million United States dollars, which he wished to have
us turn over (invest) on his behalf.

I decided to treat his case personally; I made numerous suggestions in line with my duties as the de-facto Chief investment officer
of the bank, 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 One million United States Dollars, this margin was not the full
potential of the fund but he desired low risk guaranteed returns on investments.

In November 2008, he asked that the money be liquidated because he needed to make an urgent investment requiring cash payments in
Finland.Where he said, he is investing with a Firm that is building a housing estate outside Helsinki for the government of Finland.
He directed that I liquidate the investment and deposit the funds with a security firm. I informed him that Standard 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 boarders has become especially strict since the incidents of 9/11. I contacted my affiliate and made the funds
available to a 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 Customer 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 26th February 2009.In June
last year, we got a call from the security firm informing us about the inactivity of that particular p

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 Customer had not come forward to claim his
deposit. I made futile efforts to locate the Customer. I immediately passed the task of locating him to the internal investigations
department of Standard 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 canne, in Southern part of France. The body was identified and the cause of
death was confirmed. The bank immediately launched an investigation into possible surviving next of kin to alert them 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 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

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,after investigating the last batch of names forwarded to us as possible relatives, we have come to
the conclusion 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 year broadcast a request for statements of claim to Standard Bank,
failing to receive viable claims they will most probably revert the deposit back to Standard Bank. This will result in the money
entering the Standard 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 that 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 Five 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 Standard Bank 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 come 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 in a position to instruct the security Firm to release the deposit to you as the closest
surviving relative. Upon receipt of the deposit I am prepared to share the money with you. That is,I will simply nominate you as the
next of kin and have them release the deposit to you and share the proceeds with you in a percentage we will arrive at taking into
consideration our individual level commitment.I would have gone ahead to ask that the funds be released to me,but that would have
drawn a straight line to me and my involvement in claiming the deposit. But presenting you as a relative with the right to claim the
deposit as a next of kin will mask my involvement and participation in diverting the deposit for personal use.You will get all the
documents needed to effect this claim immediately you notify me of your acceptance to claim this deposit for our mutual benefit.

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. This 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 luck 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 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 the numbers I will provide for you and
also through this email address. I do not want any direct link between you and myself. My official lines are not secured lines as
they are periodically monitored to assess our level of customer care in line with our Total Quality Management P

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.

Thanks for your anticipated cooperation.

Sincerely,
Simon Ridley