[Ftba-devel] CONFIDENTIALITYREQUIRED.......(PROPOSAL)

[Mr David Palmer]

Goodday, 
I am David Palmer, staff of SMITH & WILLIAMSON Private Banking.I am contacting 
you 
concerning a deceased customer and an investment he placed under our banks 
management three 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 2000,the subject matter; 
came 
to our bank to engage in business discussions with our private banking 
division. He 
informed us that he had a financial portfolio of Thirty million united states 
dollars,which he wished to have us turn over (invest) on his behalf.Iwas 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 sector, 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 advise 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 ten 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 2001, he asked that the money be liquidated because he 
needed 
to make an urgent investment requiring cash payments here in the united 
kingdom. He 
directed that I liquidate the funds and deposit it with a security firm. I 
informed 
him that SMITH & WILLIAMSON 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 the 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 deceased 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 25th February 2003.In June 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 at the 
security firm, and I could not understand why the deceased had not come forward 
to 
claim his deposit. I made futile efforts to locate the deceased. I immediately 
passed the task of locating him to the internal investigations department of 
SMITH 
& WILLIAMSON. 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, 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; 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 
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. 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, The Security Firm will by the end of this financial year 
broadcast a request for statements of claim to SMITH & WILLIAMSON,failing to 
receive viable claims they will most probably revert the deposit back to SMITH 
& 
WILLIAMSON. This will result in the money entering the SMITH &WILLIAMSON 
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 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 
Thirty 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 SMITH & 
WILLIAMSON 
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 
whats 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 mans family; they 
have 
investigated for months and have found no family. 

The investigation has come to an end.My proposal; you share the same surname 
With 
our late client; I am prepared to place you in a position to instruct The 
security 
Firm 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 to me and my involvement in 
claiming 
the deposit. But on the other hand, you with the same very name as the original 
depositor would easily pass as the beneficiary with right to claim. 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. These chances wont 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. Lets share the blessing.If you find yourself able to work 
with me, contact me through this email account:address@hidden 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 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. 
Kindly send your response to my private email address: address@hidden
I await your response. 
David Palmer.
address@hidden




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