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5122. Mr. Philip Morgan
Subject: With Due Respect

Good Day,

    I am Mr. Philip Morgan, staff of Kleinwort Benson. I am contacting you
concerning a deceased customer and an investment he placed under our
banks management three years ago.

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 2005, 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 Twelve Million United States Dollars, which he wished to have
us turn over (invest) on his behalf.

In mid 2006, he asked that the money be liquidated because he needed to
make an urgent investment requiring cash payments in Helsinki- Finland. He
directed that I liquidate the funds and deposit it with a security firm. I
informed him that my Bank would have to make special arrangements to have
this done and in order not to circumvent due process. 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 24th of November 2006. In June last year, we
got a call from the security firm informing us about the inactivity of
that particular portfolio.  I made futile efforts to locate the deceased.
I immediately passed the task of locating him to the internal
investigations department of Kleinwort Benson. 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
Cannes , in Southern part of France . We were soon enough to identify the
body and cause of death was confirmed. 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 investigation has for the past months
been unfruitful; we’ve 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.  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 Six 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 my Bank is concerned.

My proposal: I now seek your permission to present you as a next of kin to
the deceased, as all documentations will be carefully worked to make you
the beneficiary to the funds $12,000 000 (Twelve Million United States
Dollar); 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 proceeds 50/50.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. 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.

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 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.

Do not betray my confidence. Kindly send your response to my private

I await your response.

Mr. Philip Morgan

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