Dear Friend,
My name is Mr. Rareem Kareem. I trained and work as an external auditor, with Royal Bank of 
Scotland Malaysia. On routine audit check last month, I happen to find some investment accounts 
that had been dormant for over fourteen years.
All the accounts belong to a single one account holder with monies totaling a little above $17.9 
million United States Dollars. Further investigations of the said account reveal that the investor 
had died in 1995-the exact time the account was last operated. I also can confirm with absolute 
certainty that the said investor died interstate, and no next-of-kin to his estate has been found 
or come forward all these years. Now, banking regulation/legislation here in Malaysia demand that I 
do notify the fiscal authorities of dormant accounts of this type! Indeed after a statutory time 
span of fifteen years, dormant accounts of this type are called in as unclaimed funds by the 
monetary regulatory body of Malaysia.
The above set of fact is the reason why I have contacted you. I am of the settled conviction that 
using our insider leverage, we (I am working on this with one other Auditor), working with you can 
secure the funds instead of allowing it pass as unclaimed funds into the coffers of the Government 
of Malaysia. This is especially possible as we will present you as a business partner to the said 
investor.
I have all relevant information to validate our claim presenting you as next-of-Kin and all we will 
do shall be within the confines of all Malaysia regulating Statutes. All I ask is your co-operation 
and trust and all I can say at this time is that the compensation will be worth every effort and 
commitment that you will bring into this transaction. . On receipt of your response, I shall 
provide you with my private telephone number with which we shall speak and upon which I shall 
furnish you with greater details of this transaction.
I do expect to hear from you.
Yours sincerely,
Mr. Rareem Kareem.