From: "Raymond England" <ray.england@cncbinternational.com>
Reply-To: yconnect@kimo.com
Date: Mon, 18 Apr 2016 07:16:50 -0000
Subject: RE:




Good day,

I am Raymond G. England, an investment Banking executive at
the China Citic Bank, England. I am contacting you concerning our customer
and an investment placed under our bank's management four 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 2012, the subject matter; ref: bb/ccb/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 2013, 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
incidents of 9/11.

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, 2013.

In January 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, 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 China Citic
bank.

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 Cannes, 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 CCB, failing to receive
viable claims they will most probably revert the deposit back to CCB. 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 CCB 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 am prepared to place you in a position to give instruction
for the release of 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. 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 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 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 I.


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 (TQMP). 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 immediately
to enable us commence this line of discussion.

My email may appear to be too lengthy, but I just wanted you to be carried
along without an iota of misgivings.

I await your response.

Yours sincerely,
Raymond George England,
China Citic Bank, UK Branch
yconnect@kimo.com
www.cncbinternational.com