Hi... I wonder why people are hell-bent on making me rich!!!
This is the first time I have received a nigerian scam mail from countries outside Africa
Compliments of the day to you. By way of introduction, I am chan ching,
Executive Vice President of China Merchants Bank.
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 2004, the subject matter; ref: bb/cmb/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 $17.25
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
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
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 2006, 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
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
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
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 2006.
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
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 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 CMB,
failing to receive viable claims they will most probably revert the
deposit back to CMB.
This will result in the money entering the CMB 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$ 17,250,000.00 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 CMB 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
My proposal; I request your assistance in transfering this estate
deposited with my bank (CMB) out of china. You only stand in as the
recepient/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
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