Dear Friend,
Thanks for your prompt response to my proposal. Once again, I am Mr. Chang Zhang, Director of operations and head of personal banking of the Hang Seng Bank Ltd, Hong Kong and I am a 53 year old looking forward to retirement with an intention of investing in a profitable venture in your country like real estate and estate properties if need be. This deal is a serious one and I would like us to follow it step by step. This will give you a clear picture of the whole transaction. Since you have indicated your interest, Firstly, I would like you to furnish me your personal data, which will in turn be given to my lawyer. He will handle the legalization process of the funds in your name as the next of kin and use them procure approval of the vital documents in your name at Department of Justice Hong Kong. Hence, kindly fill the text form below:
1.Your full names
2.Your resident address
3.Your Occupation
4.Your phone number
5.Date of birth
6.Country of resident
7. A scanned copy of the front page of your international passport or driver’s license for proper identification.
Secondly, before my lawyer will commence his legal service, you must open an offshore bank account in a European bank. As my partner in this transaction and the supposed next of kin of Abu Bakr Yunis Jabr, It is mandatory you open an offshore bank account in your name in a European bank account. This European bank must have the same telex type with Hang Seng bank of Hong Kong. The essence of the same telex type is to avoid international banking verification procedures by the financial clearing house after the transfer of the USD25.5 Million out from Hang Seng bank. Same telex type of banks is vital for this transaction in order to prevent international banking fees from regulatory financial institutions because of the size of the fund.

After the transfer of the USD25.5 Million out from hang Seng bank, the funds are confirm-able in the offshore bank account within 24 banking hours due to cross-border credit exchange between the 2 banks, since they have the same telex type.

Hence, before my lawyer will pave the way for the legalization and documentation process in your name, I would want to know your readiness to open the offshore bank account, so that I will commence search of the bank in Europe with same telex type with Hang Seng Bank. I will take care of the lawyer’s fees and all the expenses that may accrue during the documentation process here in Hong Kong at the Department of Justice. These documentation processes entail legalizing and notarizing the fund in your name as the heir or next of kin to Abu Bakr Yunis Jabr.

Meanwhile, for the assistance you shall render me I will offer you 50% of total amount. Again due to the cause of communication and other minor expenses during the period of getting this money across to you, I have also offered 10% of the total sum to be used as expenses. Please endeavour to observe utmost discretion in all matters concerning this issue. Your earliest response to this letter will be appreciated.

Please always remember to send me email with the code: [CODE NO: GW-423]. This is strictly for security reasons.

I look forward to your response.

Best regards
Zhang Chang

Pardon me for not having the pleasure of knowing your mindset before making you this offer and it is utterly confidential and genuine by virtue of its nature. I cannot imagine the surprise this will bring to you, but please be rest assured is with good faith and intentions from a friend in dare need of your assistance.
I am The Executive Director and Head of Personal Banking Services at the Hang Seng Bank Hong Kong (HSB). I am contacting you concerning our customer and, an investment placed under our banks management 10 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.
Let me introduce myself again. I am Mr. William Leung Wing Cheung, Executive Director and Head of Personal Banking of the Hang Seng Bank Ltd. Before the U.S and Iraqi war our client Mr. Fayez Abdulaziz Mohammed who was a business merchant and a contractor with the Iraqi Government but a citizen of SAUDI ARABIA, Made a numbered fixed deposit for 24 calendar months(2Years), with a value of Twenty Two million Four Hundred Thousand United State Dollars only in my branch. Upon maturity several notices was sent to him, even during the war which began in 2003. Again after the war another notification was sent and still no response came from him. We later find out that Mr. Fayez Abdulaziz Mohammed along with his wife and only daughter had been killed during the war in a bomb blast that hit His Resident.

After further investigation it was also discovered that Mr. Fayez Abdulaziz Mohammed did not declare any next of kin in his official papers including the paper work of his bank deposit. And he also confided in me the last time he was at my office that no one except me knew of his deposit in my bank. So, Twenty Two million Four Hundred Thousand United State Dollars is still lying in my bank and no one will ever come forward to claim it. What bothers me most is that according to the laws of my country at the expiration 6 years and 8 month the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds. Against this backdrop, my suggestion to you is that I will like you as a foreigner to stand as the next of kin to Mr. Fayez Abdulaziz Mohammed so that you will be able to receive his funds for us.
WHAT IS TO BE DONE?

I want you to know that I have had everything planned out so that we shall come out successful. I have an attorney that will prepare the necessary document that will back you up as the next of kin to Mr. Fayez Abdulaziz Mohammed; with the information you had provided the attorney will commence his job. After you have been made the next of kin, the attorney will also fill in for claims on your behalf and secure the necessary approval and letter of probate in your favour for the move of the funds to an account that will be provided by you.

There is no risk involved at all in this matter, as we are going to adopt a legalized method and the attorney will prepare all the necessary documents. Please endeavour to observe utmost discretion in all matters concerning this issue, however I would like to be sure of your willingness, trustworthiness and commitment to execute this transaction with me, I cannot afford to compromise these virtues. Considering the money involved, it is necessary for me to be sure of the person to whom I will be entrusting this transaction, my trust is not given out lightly, I need to be convinced that you are a matured person with some integrity.

Furthermore, if we follow up this transaction diligently it would be completed within 8 working days. What I expect from you is trust and commitment; I want this large sum of money transferred with your assistance. I want to know if you are willing to follow up this business seriously before I can give you more details about this transaction, I shall be waiting for your response and assurance. Your earliest response to this letter will be appreciated with the below details to enable my attorney start approaching my bank for the release of funds in your name and the preparation of all legal documents.

1.Legal Name.
2.Private Tel/Fax
3.Country
4. Residential Address In Full.
5.Age;
6. Occupation.

Kind Regards
Mr William.L.W.Cheung

Now I would want to let you know more about me; I am 51 years of age, I am married with two children, my daughter name is Liu and my son’s name is Lee, I am sending you my family picture now for you to see. My address is #1, Fortune Garden, 20 Wing Ting Road, Ngan Chi Wan, Kln, Hong Kong. I have lived here for the last 15years.

Note that the lawyer will be on the way regarding perfecting the paper-work/documents. I have really invested much in this transaction. I do hope the percentage of the total funds that I have proposed to give to you is okay by you. To remind you, I will be coming over to visit you in your country after concluding our transaction.

Please endeavour to keep this transaction confidential, Please do not discuss it with anybody, I have a 13year career with my bank (Hang Seng Bank) and I do not intend to ruin all that. I really cannot wait till the funds is transferred from my bank to the account you will provide for the transaction because I have not been able to sleep nor eat properly for the past days. Attach to this email is my work ID and my family pictures for your preview.

I viewed your identity and am now satisfied of who i am transaction with. So I believe this information, ID and pictures is also enough to assure you of whom you are dealing with.

I will give your details to the attorney to begin the process. I await your next reply.

Best Regards,

Mr. LEUNG Cheung

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Reply

Forward

Thank you for considering my proposal. Let me formally introduce myself to you. I am Mr. LEUNG Cheung, Executive Director and Head of Personal Banking, Hang Seng Bank Limited.

I contacted you concerning an abandoned sum of $22,500,000.00 U.S Dollars. In June 2001, A customer called Aziz Musa Numan came to our bank for business discussions and investment, As the officer in charge of his transaction, I encouraged him to consider various growth of funds with prime ratings. Then he invested Nineteen Million Five Hundred Thousand United State Dollars only. Based on my advice, we were able to spin the initial deposit with profit and interest to 22.5 million U.S Dollars.

After few months; my bank (Hang Seng) sent several notice to him, even during the war between U.S and Iraqi. Again after the war another notification was sent but still no response came from him. After series of investigation, I got information that Aziz Musa Numan and his family had been killed during the war in a bomb blast that hit his home at Mukaradeeb. Because of the sensitive nature of private banking, most customers don’t nominate next of kin in their investment, also usually in most cases leave their WILLS in our care, in this case; our now deceased client died in-testate.
It is quite clear now that our dear client died with no known or identifiable family member. According to practice, the Private banking sector will by the end of this year broadcast a request for statement of claim to Hang Seng Bank Ltd, failing to receive viable claims they will probably revert the deposit to the Management of Hang Seng Bank Ltd. This will result the money entering the Hang Seng accounting system and the portfolio will be out of my hands and out of the private banking division. What bothers me most is that according to the laws of my country at the expiration of Ten {10} years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds.

Now, I am prepared to give the necessary details to you as the closest surviving relation of our deceased customer (Aziz Musa Numan). I am also proposing that after a successful execution of the business deal, the funds will be shared in the ratio 40/60. You will get 40% and I will be entitled to 60% as the initiator of the deal. You know that I must have done my home work already before contacting you. Although the project is capital intensive, I know I will be able to pull it through following proper banking and legal channels with your assistance at your end. I will tidy up the legal aspect with the assistance of a lawyer who will prepare all the documents that will be needed to transfer the money from Hong Kong to your country. Once more, I ask that if you find no interest in this project that you should discard this mail and forget I ever contacted you, I ask that you do not be vindictive and destructive; do not destroy my career. Opportunities like this only comes once in a lifetime. I am a family man and this is an opportunity for me to give my family the best in life. I would want you to think about this and let me know if your decision. If you give me positive response, I will give you the relevant INFORMATION for the successful transfer of these funds and we both enjoy it in peace.

I await your response.

Regards,
Mr. LEUNG Cheung