Sent from: firstname.lastname@example.org
Hello My Good Friend,
Please permit me to briefly introduce myself. I am Mr. Karim Karoui serves as the Chief Financial Officer of First Gulf Bank PJSC (FGB) in United Arab Emirates and served as its Head of Business Planning & Financial Control. with my 25 years of banking and finance experience with organizations such as ICI (Industrie Cosmetique Internationale) and Citibank Tunisia where I held the position of Country Financial Controller. I joined FGB in June 2001 as Financial Controller.
I am contatcing you based on a financial opportunity I discovered here in the bank vaults where I work as the Chief Financial Officer, It’s about an abandoned sum of $18m (Eighteen million United States dollars) in our safety deposit vault that belongs to a foreign customer of the bank who is a citizen of your country and also has the same surname withyou, who unfortunately died along with his entire family in September 2009 earthquake in Indonesia that left over 1,200 people dead.
Whereby the banking policy can only allow the release of such funds to a beneficiary through an application as next of kin to the deceased, After his death the bank has been expecting a possible beneficiary but no luck, this financial institution has exploited all its ethical possibilities in other to contact his relations or inheritor, but no success. It has recorded 6 years after his death and yet no one of his relation showed up at the bank for claims so I decided to make research with the help of a private investigator and to the best of my knowledge I discovered that the deceased had lived away from his home town for almost 25 years without visiting home, I further discovered that his wife and 4 years old daughter died along with him on the scene of the accident. Therefore I am 100% sure that no one of his relatives are aware about the existence of his funds at my bank.
However because of the international financial crises, a lot of reforms has been made within the United Arab Emirates financial system, this includes the new law on succession/claims which indicates a duration in which this kind of inheritance could be tolerated. Therefore the Central Bank of UAE has manadated our financial institution to release all inactive bank account which eventually (commonly 5 years after the last transaction) to their rightful inheritors, failure to respond to this ultimatum would give the legal right to the Central Bank of UAE to confiscate these funds as an unclaimed estate, “which absolutely would go straight to the Government’s pocket” It’s therefore upon this entire discovery that I have decided to contact you on a mutual interests over the above mentioned funds. I want you to know that I am a senior administration official and also equipped with all classified secret information regarding the release of these funds.
I would be dedicated to making sure that I feed you with all possible documentation and information required for the approval and release of the funds.Upon your acceptance to cooperate, I agree that 45% of the total sum goes to you, also 45% for me while the rest 10% is being donated to any acceptable charity organisation in Dubai or your country. In conclusion, it’s my concern to demand your ultimate honesty, cooperation and confidentiality to enable us conclude this transaction, Please keep this very confidential and do not discuss it with anybody for security reasons. I guarantee that this process would be executed under a legitimate arrangement that would protect you from any breach of law.
Mr. Karim Karoui
Chief Financial Officer
First Gulf Bank (United Arab Emirates)