I am Kaya Bernard - Head of operations of Banque de France (
www.banque-france.fr)

Please ignore the length of this message and take your time to read this
message for your understanding. This is very important.

I am contacting you concerning a deceased customer and an investment he
placed under our bank's management Nine (9) 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.

In 2009, the subject matter: Dr. Andrew Londt came to our bank to engage in
business discussions with our private banking division. He informed us that
he had a financial portfolio of Four Million British Pounds, which he
wished to have us turn over (INVEST) on his behalf. I was the officer
assigned to his case; I made numerous suggestions in line with my duties as
the de-facto chief operations officer of the private banking sector,
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.
I invested his funds into trading in Stock Market, Crude Oil and Lending
with Profit Returns, as my specialty is to advise customers to invest
healthily and yield good profit. Based on my advice, we spun the money
across various opportunities and made attractive margins for our first
months of operation, the accrued profit and interest stood out and my
client was glad about the returns.

In mid-2010, he asked that the money be liquidated because he needed to
make an urgent landed property investment requiring cash payments in the
Kingdom of Spain. He directed that I liquidate the funds and deposit it
with a security firm in a Private Bank (Post Finance Private Investment
Bank). I informed him that BANQUE DE FRANCE bank will 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 borders has become especially strict
since the incidents of 9/11. I contacted my affiliate in here in France and
made the funds available to the Post Finance Private Investment Bank.

I undertook all the processes and made sure I followed his precise
instructions to the latter and had the funds deposited at the private bank
(POST FINANCE PRIVATE INVESTMENT BANK) is a specialist private bank 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 P.F.P INVESTMENT BANK
France. The deceased told me he wanted the money there in anticipation of
his arrival from South Africa later that week. This was the last
communication we had, this transpired around 25th October 2010. In June
last year, we got a call from P.F.P INVESTMENT BANK informing us of the
activity 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 P.F.P INVESTMENT BANK and I could not understand why the
deceased had not come forward to claim his deposit. I made futile efforts
to locate the deceased. I immediately passed the task of allocating him to
the internal investigations department of Bristol & West. 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, South of France.

We were soon enough able to identify the body and the cause of death was
confirmed. 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; 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,
you being the last batch of names we have considered, is that our dear late
fellow died with no 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, P.F.P INVESTMENT BANK France will by the end of this
financial year broadcast a request for statements of claim to Bristol &
West, failing to receive viable claims they will probably revert the
deposit back to Bristol & West. This will result in the money entering the
Bristol & West accounting system and the portfolio will be out of my hands
and out of the P.F.P INVESTMENT BANK. This will not happen if I have my
way. What I wish to relate to you will be a 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 who occupy certain offices and oversee certain portfolios. You should
have begun by now to put together the general direction of what I propose.

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 Bristol & West is concerned, the transaction with our
late customer concluded when I sent the funds to P.F.P INVESTMENT BANK all
outstanding interactions in relation to the file are just customer services
and due process. P.F.P INVESTMENT BANK has no single idea of what the
history or nature of the deposit. They are simply awaiting instructions to
release the deposit to any party that comes forward. This is the situation.
This bank has spent great amounts of money trying to track this man's
family and they have investigated for months and have found no family. The
investigation has come to an end. My proposal to you is because you share
similar details to the late fellow and I am prepared to place you in a
position to instruct P.F.P INVESTMENT BANK to release the deposit to you as
the closest surviving relation.

Upon receipt of the deposit, I am prepared to share the money with you in
half. That is: I will simply nominate you as the next of kin and have them
release the deposit to you. We share the proceeds 50/50. 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. 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 P.F.P INVESTMENT BANK
France and instruct them to release the deposit to you. With these two
things: all is done. The alternative would be for us to have P.F.P
INVESTMENT BANK France direct the funds to another bank with you as the
account holder.
This way there will be no need for you to think of traveling to lay claim
to the money from P.F.P INVESTMENT BANK France. 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 me 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 fight 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’ in a lifetime. I cannot let this
chance pass me by, for once I find myself in total control of my destiny.
This chance 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 woman 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 name
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 same email account. If you give me positive signals, I will initiate
this process towards a positive 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 contacting me through my official phone lines
nor do I want you contacting me through my official email account. Contact
me only through my private mobile: also through this email address. I do
not want any direct link between you and me to raise suspicion. My official
lines are not secure lines as they are periodically monitored to access our
level of customer care in line with our Total Quality Management Policy.
(TQMP)

Please observe this instruction religiously. Please, again, note I am a
family woman; I have a husband and 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 years experience. Do not betray my confidence if we
can be of one accord.

Best Regards

On Fri, Dec 20, 2019 at 9:16 AM Patricia O'Neil Londt <
[email protected]> wrote:

(Rectify IHT Proposal) on your Surname recorded to an un-claimed refund
pending for collection at: ([email protected])

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