Dear ,
Thanks for your response to my request to present you this proposal. I
urge you to be attentive to enable you absorb details of the content
of this project and for further consideration. Once again my name is
Naomi Hayashi  and I am a staff of Bank of China, here in Hong Kong
attached to Private Banking Services. I am contacting you privately
concerning a customer and an investment placed under our banks
management; as a matter of fact it was roughly 7 years ago. I would
respectfully request that you keep the contents of this mail private
and also to kindly respect the integrity of the information you come
by as a result of this proposal. I contacted you independently 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 and
benefits the both of us.

At the very beginning of 2016, the subject matter 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 $20
Million United States Dollars, which he wished to have us turn over
(invest) on his behalf based on his instructions. I was the officer
assigned to his case; I made numerous suggestions in line with my
duties as the De-facto chief operation officer of the Private Banking
Services Department, especially given the volume of funds he wished to
put into our bank.

We  on numerous occasions prior to any investments being placed, and
however I encouraged him to consider various growth funds with prime
ratings. The favored route in my advice to customers is to start by
accessing data on 600 traditional stocks, bond managers and 200
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 with interest included,
stood at this point at over US$27, 712,068.00, this margin was not the
full potential of the fund but he desired low risk guaranteed returns
on investments and in trading market the lower the risk the lesser the
profit.

Towards the end of 2018, 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 have it transfer to
a firm in Europe. I informed him that our 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 8.9% 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 but nevertheless
I contacted the firm in Europe and had the funds transfer to mainland
Europe, I undertook all the processes and make sure I followed his
precise instructions. 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.

After about few weeks I got a call from the security firm informing us
of 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 our
bank. Four months later, information trickle in from British homeland
security, that he was apparently dead, a person who suited his
description was declared dead of a heart attack in Norway; we were
soon able to gather more information and the cause of death was
confirmed. With this information at hand I inform the security firm to
return the transfer back to our bank in Hong Kong.
Then 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.

My proposal; I am prepared to place you in a position whereby an
instruction is given to officially release the deposit to you as the
closest surviving associate, and all etiquette shall be done in
accordance with the rule of banking laws and regulations. I certainly
can guarantee you that, by the common law, the power of bequeathing is
coeval with the first rudiments of the law, and this power has been
extended to all. There is no ruling which prevents an inheritance from
being so exhausted by legacies as to render it unworthy of the heir's
acceptance; basically all persons of sound mind are competent to
bequeath and devise real and personal estate, excepting infants. With
all this I would say we have the clear advantage to carry out a smooth
and perfect operation whereby the documentation work shall be
coordinated in such a way that your status as a sole beneficiary is
confirmed. Upon receipt of the deposit, I am prepared to share the
money with you in half and no more; that is: I will simply nominate
you as the next of kin and have them release the deposit to you;
afterwards we share the proceeds in two equal parts.
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 as a different foreigner would
easily pass as the beneficiary with the rights to claim. I assure you
that I could have the deposit released to you in a few days. I will
simply inform our bank of the final closing of the file relating to
the customer, and instruct them to release the deposit to you; with
these two things: all is done.

We can fine-tune this based on our interactions, I am aware of the
consequences of this proposal and I ask that if you find no interest
in this project that you should discard this mail. I ask also, that
you do not be vindictive or destructive, if my offer is of no appeal
to you, delete this message and forget I ever contacted you; please do
not destroy my career because you do not approve of my proposal. You
may not know this but people like me who have made tidy sums out of
comparable situations run a 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 and I hope you understand? Because
for once I found myself in total control and face to face with 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 please let me know, and hence
move on with my life, but do not destroy me; I have worked and served
in my capacity as a banker for many years, this is an occasion to
provide myself 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 will bless you and plant you into the center
of relevance in my life, lets share the blessing.
If you find yourself interested to work with me, please do respond to
my email positively, and then I will initiate this process towards a
quick conclusion. It is necessary to inform you that under no
condition should you contact me via official channels; I will simply
deny knowing you and about this project. I repeat, I do not want you
contacting me through our official lines neither do I want you
contacting me through my official email account. Contact me only
through this email. 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.
I send you this mail not without a measure of fear as to what the
consequences might be, 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 I shall have the pleasure of meeting you after this task has
been completed.
 I await your response with interest, to enable us proceed with the project.
Yours Sincerely,
Naomi Hayashi