International Commercial Bank
Private Mail Bag No.16
Accra, Ghana
Tel: +233 (20) 7159635 (Office D/L)
Fax: +233 (20) 3120017 (Office)
Email: quaye@orbita.co.il

Dear Sir/Madam,

My Respect to you with your family. However I will like to introduce myself
before explaining my proposal to you. I am Dr Kenneth Kwami Kwaku, I work as a
Board of ICB Financial Group Holdings, Accra Ghana.I am contacting you because
of my experience in the Bank and about a dormant account of $16.800, 000.00
(Sixteen Million Eight Hundred Thousand United State Dollars) only.

The Fund $16,800,000.00 United State Dollars, was deposited in International
Commercial Bank Accra Ghana on 9th march 2005 by late Mr. James Rowe, an

J.E. Merit Constructors Inc as subcontractors in America, at the
BP Chemical Refining plant in Texas City, Texas and unfortunately died in a
terrible and unpreventable explosion in the company. I have since then,placed
this amount on a suspense account without a beneficiary.

I got your contact during my quest for assistance and decided to reach you
directly to solicit your assistance and Guidelines in making a deal about the
transfer of the Fund (16.8M USD) with me from our Bank here in Ghana to your
Country. Why I Contacted you is to assist me in executing this Deal from Ghana
to your Country within the Next few days to stand as a legal beneficiary to
Mr. James Rowe. It is going to be a bank-to-bank transfer.

stress that there are practically no risk involved in this.IT IS GOING TO BE A
BANK-TO-BANK TRANSFER.

I need to know if you will be able to handle this with me before I explain to
you more details. If you are interested please send me your full names and
private phone number for an Initial confidential communication. I wish for
utmost confidentiality in handling this transaction.

Awaiting your reply through my private email quaye@orbita.co.il

Kind Regards,
Dr Kenneth Kwami Kwaku

MY PROFILE
Independent Director
www.icbankingroup.com/boardofdirectors.php

March 2007. Ken, who hails from Ghana, speaks English, French, Portuguese and
Swahili; holds a PhD from University of Toronto and a First Class in Economics
and Political Science from McGill University. He has also attended Harvard?s
Graduate School of Business. Since 2004 Ken has been Special Advisor to
President MKapa (now retired) of Tanzania, Special Advisor Investment Climate

and Advisor Hifadhi Business Park, East Africa. Ken served with the World Bank
Group from 1976 to 2004 and held positions including Chief MIGA Africa

1998, he was seconded from the World Bank Group as Advisor to the Namibian
Government. He is also a member of the Nomination and Remuneration Committee.
Ken, who has numerous academic and professional awards and publications,
regularly speaks at international conferences.

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Correo Electrónico, Gobierno del Distrito Federal.

TEXT ONLY EQUIVALENT
International Commercial Bank Private Mail Bag No.16 Accra, Ghana Tel: +233 (20) 7159635 (Office D/L) Fax: +233 (20) 3120017 (Office) Email: quaye@orbita.co.il Dear Sir/Madam, My Respect to you with your family. However I will like to introduce myself before explaining my proposal to you. I am Dr Kenneth Kwami Kwaku, I work as a Board of ICB Financial Group Holdings, Accra Ghana.I am contacting you because of my experience in the Bank and about a dormant account of $16.800, 000.00 (Sixteen Million Eight Hundred Thousand United State Dollars) only. The Fund $16,800,000.00 United State Dollars, was deposited in International Commercial Bank Accra Ghana on 9th march 2005 by late Mr. James Rowe, an American citizen, during my auditing I found that the Fund is dormant since that 2005. I made an investigation and found out that Mr. James Rowe was working with J.E. Merit Constructors Inc as subcontractors in America, at the BP Chemical Refining plant in Texas City, Texas and unfortunately died in a terrible and unpreventable explosion in the company. I have since then,placed this amount on a suspense account without a beneficiary. I got your contact during my quest for assistance and decided to reach you directly to solicit your assistance and Guidelines in making a deal about the transfer of the Fund (16.8M USD) with me from our Bank here in Ghana to your Country. Why I Contacted you is to assist me in executing this Deal from Ghana to your Country within the Next few days to stand as a legal beneficiary to Mr. James Rowe. It is going to be a bank-to-bank transfer. I intend to part 30% of this fund to you while 70% shall be for me. I do need to stress that there are practically no risk involved in this.IT IS GOING TO BE A BANK-TO-BANK TRANSFER. I need to know if you will be able to handle this with me before I explain to you more details. If you are interested please send me your full names and private phone number for an Initial confidential communication. I wish for utmost confidentiality in handling this transaction. Awaiting your reply through my private email quaye@orbita.co.il Kind Regards, Dr Kenneth Kwami Kwaku MY PROFILE Independent Director www.icbankingroup.com/boardofdirectors.php Ken Kwaku was appointed to the Board of ICB Financial Group Holdings AG since 7 March 2007. Ken, who hails from Ghana, speaks English, French, Portuguese and Swahili; holds a PhD from University of Toronto and a First Class in Economics and Political Science from McGill University. He has also attended Harvard?s Graduate School of Business. Since 2004 Ken has been Special Advisor to President MKapa (now retired) of Tanzania, Special Advisor Investment Climate Facility for Africa, Advisor to the Director General UNIDO, Chairman DCDM Africa and Advisor Hifadhi Business Park, East Africa. Ken served with the World Bank Group from 1976 to 2004 and held positions including Chief MIGA Africa Representative 2002 - 2004 and Manager for Africa 1998 - 2002. Between 1995 and 1998, he was seconded from the World Bank Group as Advisor to the Namibian Government. He is also a member of the Nomination and Remuneration Committee. Ken, who has numerous academic and professional awards and publications, regularly speaks at international conferences. ---------------------------------------------------------------- Correo Electrónico, Gobierno del Distrito Federal.