"This is better, but DO NOT TELL ANYONE. " Topic

I am sworn to secrecy!

CONFIDENTIAL INVITATION

I am Mr Gutpa of Santander Private Banking, United Kingdom. I am contacting you concerning a deceased customer and an investment he placed under our banks
management three years ago, and I wouldNrespectfully request that you keep the contents of this mailNconfidential and respect the integrity of the
information you come by as a result of this mail.
I am contacting 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 the year 2006, the subject matter; came to our bank to engage in business discussions. He informed us that he had a
financial portfolio of Ten million United States dollars, which he wished to have us turn over (invest) on his behalf.
I decided to treat his case personally; I made numerous suggestions in line with my duties as the de-facto Chief investment officer of the bank, 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 favoured route in my advice to customers is to start by assessing data on 7000 traditional stocks and bond
managers and 3000 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 One million United States Dollars, this margin was not the full potential of the fund but he desired low risk
guaranteed returns on investments. In June 2007,he asked that the money be liquidated because he needed to make an urgent investment requiring cash
payments in Finland. Where he said, he is investing with a Firm that is building a housing estate outside Helsinki for the government of Finland.
He directed that I liquidate the investment and deposit the funds with a security firm. I informed him that Santander 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 boarders has become especially strict since the incidents of 9/11. I contacted my affiliate and made the funds available to
a 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 Customer 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 24th August 2007.
In Novermber last year, we got a call from the security firm informing us about 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 Customer had not come forward to claim his deposit. I made futile efforts to locate the Customer.
I immediately passed the task of locating him to the internal investigations department of Santander Bank. 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, in Southern part of France. The body
was identified and the cause of death was confirmed. The bank immediately launched an investigation into possible surviving next of kin to alert them 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, after investigating the last batch of names forwarded to us as possible relatives, we have come to the conclusion 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 year broadcast a request for statements of claim to Santander Bank, failing to
receive viable claims they will most probably revert the deposit back to Santander Bank. This will result in the money entering the Santander Bank
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 that 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 Ten 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 Santander Bank 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 what's the history or nature of the deposit. They are simply awaiting instructions
to release the deposit to any party that come 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 instruct the security Firm to release the deposit to you as the closest surviving relative. Upon
receipt of the deposit I am prepared to share the money with you. That is, I will simply nominate you as the next of kin and have them release the deposit
to you and share the proceeds with you in apercentage we will arrive at taking into consideration our individual level commitment. I would have gone ahead
to ask that the funds be released to me,but that would have drawn a straight line to me and my involvement in claiming the deposit. But presenting you as a
relative with the right to claim the deposit as a next of kin will mask my involvement and participation in diverting the deposit for personal use. You
will get all the documents needed to effect this claim immediately you notify me of your acceptance to claim this deposit for our mutual benefit.
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. This 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 luck 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 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 contact
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 myself. My official lines are not secured 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 two 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.
Thanks for your anticipated cooperation .

Sincerely,

Mr Nitin

Remember this is a secret.

STT

Your secret is safe.

I don't know who wrote this. But I'm sure I can get them a job writing copy for Asian Amex brochures.

it has just the right fawning tone, and a good line in Platinum adjective diarrhea.

I think he clicked the "send" button a little too soon.
From the 1st paragraph:
"I am contacting you concerning a deceased customer and an investment he placed under our banks
management three years ago…In the year 2006, the subject matter; came to our bank to engage in business discussions."