What additional or meaningful responses do you have on the paragraphs below regarding characteristics found in all types of Nigerian money offers and why many people become victims of this type of fraud? See paragraphs below and photo of Nigerian money offer.

Characteristics of all the types of Nigerian Money offers: The promise of money, asking for help, building a relationship of confidence, need for urgent assistance, they are the only person to receive this special opportunity, a face to face meeting, and strong ties to a high ranking official. In this letter the promise of money is 25% of $50.2 million. He is asking for help to transfer the money by needing bank account information. In this letter he is building confidence throughout by saying things like "rest assured that this transaction would be most profitable for both of us" and "there is no risk at all". He builds urgency by saying that after 5 years the money goes back to the bank after a death. He makes the individual feel like they are special for receiving this opportunity by saying "I have the courage to look for a reliable and honest person who will be capable for this important business believing that you will never let me down either now or in the future". There is no request for a face to face meeting in this letter. He is saying he has connections with high ranking officials by saying "using my position and connection in the banks in South Africa".

The reason why people become victims of fraud: It appears easy to make a lot of money. Just giving a little bit of information and you are promised $12.55 million, could not be easier to make money than that. Also the use of the characteristics above make the transaction seem like there are no risks and that the individual is a trustworthy person.

Original Message Subject: Fruitful Transaction From: Gardiah Mfana Reply-To: inquiriesgm5@yahoo.com To: steve_albrecht@byu.edu Gardiah Mfana #45 Pine Way, Close Sandton-Johannesburg, South Africa. Dear Sir In order to transfer from a Bank some amount of money, I have the courage to look for a reliable and honest person who will be capable for this important business believing that you will never let me down either now or in the future. I am Gardiah Mfana, a consulting auditor of prime banks here in South Africa. On June 6, 2000 an American Mining Consultant/Contractor with the South African Mining Corporation, Mr. Gregory A. Williams made a numbered time (fixed) deposit for twelve calendar months, value US $50,200,000.00 an account. On maturity, the bank sent a routine notification to his forwarding address but got no reply. After a month, the bank sent another reminder and finally his contract employers, the South African Mining Corporation, wrote to inform the bank that Mr. Gregory A. Williams died from an automobile accident, that he died without making a will, and all attempts by the American Embassy to trace his next of kin was fruitless. I therefore, made further investigation and discovered that Mr. Gregory A. Williams in fact was an immigrant from Jamaica and only recently obtained American citizenship. He did not declare any kin or relations in all his official documents, including his Bank deposit paper work. This money, total US $ 50,200,000.00, is still sitting in my bank as a dormant account. No one will ever come forward to claim it, and according to South African banking policy, after 5 years, the money will revert to the ownership of the South African Government if the account owner is certified dead. This is the situation, and my proposal is that I am looking for a foreigner who will stand in as the next of kin to Mr. Gregory A. Williams, and a Bank Account abroad will then facilitate the transfer of this money to the beneficiaryext of kin. This is simple, all you have to do is to immediately send me a bank account anywhere in the world for me to arrange the proper money transfer paperwork. This money (total USD $50.2M) will then be paid into this Account for us to share in the ratio of 70% for me, 25% for you and 5% for expenses that might come up during transfer process. There is no risk at all, and all the paper work for this transaction will be done by me using my position and connection in the banks in South Africa. This business transaction is guaranteed. If you are interested, please reply immediately, sending the following details: 1. Your full name/Address 2. Your private telephone/Fax number 3. Your full bank account details, where these funds will be transferred into, a newlan empty account can serve Please observe the utmost confidentiality, and rest assured that this transaction would be most profitable for both of us because I shall require your assistance to invest my share in your country. You have to note that you must send me a private fax number where I will be sending you documents in case I cannot e-mail it to you. I look forward to your earliest reply. Yours. Gardiah Mfana