FROM THE DESK OF Dr.Michael Kwame  AUDITING AND ACCOUNTING DEPARTMENT .  NATIONAL INVESTMENT BANK 
GHANA   ATTN: GOOD FRIEND REQUEST FOR URGENT CONFIDENTIAL BUSINESS PROPOSAL OF $1.5,000,000.00 I am 
Dr.Michael Kwame , the Director in charge of Auditing and Accounting section of National Investment 
Bank in West Africa and also Chairman of Investigating and Auditing Department of this Bank. With 
due respect and regard I have decided to contact you on a Business Transaction that will be very 
beneficial to both of us and our families.During our Investigation and Auditing in this Bank, my 
department came across a very huge sum of money belonging to one Mr. Author Billings a foreigner, 
who died on November 1st 1999 in a plane crash Overseas and the fund has been dormant in his 
account with this Bank without any claim of the fund in our custody either from his family or 
relation because he did not indicate any next of kin to this account incase of death such as this.  
Although personally, I keep this information secret within myself and partners to enable the whole 
plans and idea be profitable and successful during the time of execution. The said amount is U.S 
$15m (Fifteen Million United States Dollars). As it may interest you to know, I got your impressive 
information through one of my good friends who work with Chamber of Commerce on foreign business 
relations here in Accra-Ghana. It is him who recommended your person to me to be viable and capable 
to champion a business of such magnitude without any problem.Meanwhile as a Senior Staff in this 
bank, and the Director of Auditing and Accounting, I have in my possession all the necessary 
documents to perfect this deal by making you the bonafide next of kin whom this money will be 
transferred into his account. I need your assistance and co-operation to get this deal done. 
Because as a foreigner, you stand a better position to be presented through documentation as the 
next of kin since the deceased is also a foreigner,this is the reason why I could not do this deal 
alone as a Ghanaian and a Blackman as well.I will not fail to inform you that this transaction 
is100% risk free. On smooth conclusion of this transaction, you will be entitled to 35% of the 
total sum as gratification, while 1% will be set aside to take care of expenses that may arise 
during the time of transfer and also telephone bills, while 64% will be for me and my partners.  
Please, you have been advised to keep "Top Secret" as we are still in service and intend to retire 
from service after we conclude this deal with you. And I assure you that this transaction will not 
last more than 10 working days and you confirm the money in your account.I will be monitoring the 
whole situation here in this bank until you confirm the money in your account. And ask us to come 
down to your country for subsequent sharing of the fund according to percentages previously 
indicated and further investment, either in your country or any country you advice us to invest in. 
All other necessary vital information will be sent to you when I hear from you.I suggest you get 
back to me as soon as possible stating your wish in this deal.I am expecting your urgent reply as 
soon as you receive this message. . Yours faithfully, Dr.Michael Kwame