Upon maturity several notice was sent to him, even during the war (U.S and Iraqi war), Four years ago (2003). Again after the war another notification was sent and still no response came from him. I immediately passed the task of locating him to the internal investigations department of Hang Seng Bank Ltd. Information started to trickle in that Aziz Musa Numan and his family had been killed during the war in a bomb blast that hit his home at Mukaradeeb where his personal oil well was. 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 even 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; our now deceased client died in-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 quite clear now that our dear client 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 portfolio and the late beneficiary of the deposit. According to practice, the Private banking sector will by the end of this year broadcast a request for statement of claim to Hang Seng Bank Ltd, failing to receive viable claims they will most probably revert the deposit to Management of Hang Seng Bank Ltd. This will result in the money entering the Hang Seng accounting system and the portfolio will be out of my hands and out of the private banking division. What bothers me most is that according to the laws of my country at the expiration of six {6} years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds. This will not happen if I have my way.

What I wish to relate to you will smack off 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 sit upon certain chairs and oversee certain portfolios. You should have begun by now to put together the general direction of what I propose. There is US$22,500,000.00 deposit just lying unclaimed. This bank has spent great amounts of money trying to track the deceased family; they have investigated for several months and have found no identifiable family member. The investigation has come to an end.

My proposal; I am prepared to furnish the necessary details to you as the closest surviving relation. I am also proposing that after successful execution of the business deal and the money in your account, the funds be disbursed in the ratio 30/70; 30 % of the funds will go to you for offering yourself as the next of kin and providing a foreign account especially an offshore account for safe transfer of the funds and 70 % will be for me. Please let me know in your next correspondence if the above sharing ratio is okay by you because we can fine-tune this based on our interactions in case you have any problem with it. Following the master plan for this deal I am looking at a bank that have transaction understanding with my bank as first point of transfer to put off eyebrows that may be raised or to avoid unnecessary questioning.