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5408. Ljubco Panevski

Please reply immediately to this

RBA Zentralbank
Bank Website
Phone Number:+41794647354
Address:Postfach 3001 Bern
Swiss Clearing Number: 6395
Postal Account: 30-38100-3.

Dear Associate,

Thank you for giving me your time. Please be patient and read my email to 

I work as an internal auditor for a Suisse Bank. Prior to this position,I 
was attached to Private Banking services. I am contacting you concerning an 
investment placed under our banks management; you are contacted 
independently out of investigation in the bank. I would like to intimate you 
with certain facts that I believe would be of interest to you.

In the year 1994, a certain single account holder (now deceased) 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 21 million 
United States dollars, which he wished to have us invest on his behalf. I 
was the officer assigned to his case; I then proceeded to
provide numerous suggestions and advise in line with my duties as the de-
facto Chief Operations officer of the Private Banking Services Department, 
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 advice to customers is to start by assessing data on 600 traditional 
stocks and bond managers and alternative investments. Based on my advice, we 
spun the money around various   opportunities and made very attractive 
profits margins during our first months of operation;He desired low risk and 
guaranteed returns on investments, and as such we could not utilise the full 
potential of the funds.

At some point, he requested disinvestments and directed that the funds be 
deposited in a Fixed (Numbered) Deposit account in my branch for 12
months. His instructions were precisely followed to the latter and all the 
funds recalled from the active market and deposited. Upon maturity, I sent a 
routine notification to his forwarding address(01-04 Block 15 Taman 
Kenanga,City:Johore Bahru,Post Code:81200.State:Johore) but got no  reply. 
After a month, we sent a reminder and finally we discovered from his 
contract employers, that he died from an automobile accident. On further 
investigation, I found out that he died without making a WILL, and all 
attempts to trace his next of kin was fruitless. Further investigation of 
the said account revealed that the death occured in 1999(12TH SEPTEMBER 
1999),the exact year the account was last operated, also he did not
any kin or relations in all his official documents, including his Bank 
Deposit paperwork(CERTIFICATE OF DEPOSIT) in my Bank. This money is
sitting in my Bank and the interest is being rolled over with the principal 
sum at the end of each year. No one will ever come forward to claim it. 
Banking regulation and legislation in Switzerland demand that I notify the 
fiscal authorities after a statutory time period of twelve years when 
dormant accounts of this type are called in by the monetary regulatory 
bodies. 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.

Consequently, my proposal is that I will like you as a foreigner to stand in 
as the next of kin. This is especially possible as you share same details as 
the said investor. This exactly is why I crave your participation and  co-
operation.I have seized all relevant documents(legal and Banking)
that will 
facilitate our putting you forward as the claimant and beneficiary of the 
funds and ultimately transfer the money to any account nominated by you. Of 
course you shall be handsomely rewarded for your part in this transaction as 
I am prepared to share the deposit with you in halves 50% of the total funds 
for your efforts, less expenses. I shall however leave out the finer details 
of this transaction till I receive an affirmation of your desire to 

To maintain the level of security required to see this transaction come to a 
successful conclusion, I have intentionally left out the details. Please 
acknowledge receipt of this message in acceptance of our mutual  partnership 
and endeavor by furnishing me with your Full Names, Date of Birth, Telephone 
Number, Fax Number, company / position held, Email address, Contact address 
and Postal address. These requirements will enable us file letter of claim 
to the appropriate departments for necessary approvals in your favor for the 
deposit to be released to you before the funds can be released for transfer.

There is no risk at all as all the paperwork for this transaction will be 
done by an attorney and with me as an insider guarantees the successful 
execution of this transaction. If you are interested, please reply 
immediately to this

The dynamics of my industry dictates that I make this move. Such 
opportunities only come once in a lifetime. Do not betray my confidence and 
be rest assured that this transaction would be most profitable for both of 
us because I shall require your assistance to invest my share in
your country.

Awaiting your urgent reply via my

Thanks and regards.

Ljubco Panevksi.
Director, Investment Banking.

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