Dear Confidant,

Pardon me for not having the pleasure of knowing your mindset before making you this offer. This is utterly confidential and genuine by virtue of its nature. I am Mr. David Agyeman, the manager of the International Commercial Bank Ghana (ICB), First Light Kaneshie branch, Accra -Ghana.

I am writing for your assistance in the transfer of Three million, nine hundred and fifty thousand United States dollars ( $3,950.000.00 ) into any account of your choice. This fund is the excess of what my branch in which I am the manager made as profit during the last fiscal year. I have already submitted an approved end of the year report for the year 2007 to my head office here in Accra and they were not aware of this excess and will never know of it. I have since then, placed this amount of $3,950.000.00USD in a Non-Resident account without a beneficiary.

Please note that as a staff of the bank, I cannot be directly connected to this money; thus I am impelled to request for your assistance and partnership to receive this money into your bank account. And as my partner you are entitled to 30% of this fund, while 70% shall be for me. I do need to stress that, it's going to be a bank-to-bank transfer.

Your timely response will be highly appreciated.

Analysis: OK, this guy wants you to share in a criminal activity in his country? What part of this does not YELL at you SCAM. Better yet out of over 10 Billion People on the planet he picked you. You have better odds of winning the lottery than to be picked to receive money from a criminal enterprise that COULD get you extradited to an African Country that would put you in jail or even Execute you.. (Though I have been to Ghana and it is a very civilized and beautiful country.)