Create a scam-baiting response to the most recent email, to keep the scammer in a false sense of security. Use the prior emails as a point of reference.

Email #1, from Frank Holding:

First Citizens Bank
239 Fayetteville Str. Raleigh,
North Carolina, 27601 United States.

Hello,

A contract/Inheritance payment sum of $35million United States dollars only, due for you as a long awaited payment as result of the contract you did long ago outside the country, and was reported to the United States government by the World Bank and after due verification and reviewing of your legitimacy to the fund it was certified that the fund legally belongs to you as an unpaid contract you did outside the country years ago.

Since it has been resolved and agreed by the World Bank and United States authority that your payment sum of US$35million would be released to you by wire transfer or ATM Card, we are mandated to officiate the payment to you.

We hereby request you to send the following information to us for the process and release of your fund to you by wire transfer or by ATM Card.

Your name
Address
Telephone
Occupation
Gender
Age
ID
Bank detail

Waiting for your urgent response.

Regards,
Frank Holding, Jr.
Chairman and CEO First Citizens Bank.

Email #2, from Cameron McCaffrey (me):

 Dear Frank Holding, Jr.,

What exhilarating news to receive on this fine day! Your recent communication regarding the unexpected contract/inheritance payment of $35 million dollars has infused my life with newfound anticipation. I must confess, it has been such a lengthy duration since that overseas contract was completed; the details are now a blurry memory in the midst of yesteryears. Nonetheless, it is truly heartwarming to know that organizations like the World Bank and the United States government keep such meticulous records and work hand-in-hand to ensure that every dime is rightly accounted for and reaches its legitimate heir.

I am immensely grateful for the steadfast diligence of First Citizens Bank under your esteemed guidance as Chairman and CEO. It feels nothing short of serendipitous to have your prestigious bank govern what is to be a life-changing transaction for me.

Before we progress with the transaction, could you kindly clarify a few minor points? Firstly, would there be a preference regarding which method of transfer – wire transfer or ATM Card - is most advantageous for a beneficiary of my standing? Additionally, it would be helpful to receive some form of documentation or official correspondence attesting to this transfer’s authenticity for my records. Call it due diligence on my part, to ensure the smoothest transaction possible.

Regarding the information you’ve requested, for enhanced data protection and to prevent any interference with the transfer, I recommend utilizing a more secure communication channel. I am familiar with certain encrypted email services or secure messaging applications eradicating any opportunity for prying eyes. If that suits you, please let me know your preferred secure channel, and I will provide all the requisite details posthaste.

Lastly, as I’m sure you can appreciate, the magnitude of this transaction necessitates some level of confidentiality. As such, your discretion in this matter is both assumed and appreciated.

Looking forward to your swift guidance on safeguarding our transaction, and with great anticipation of the comfort and philanthropy such a sum will undoubtedly afford me the opportunity to provide.

With warmest regards,

Cameron McCaffrey
cmccaff1@fau.edu

P.S. Should you require verbal affirmation of my details, I am more than willing to arrange a telephonic conversation at your earliest convenience. Thank you again, Mr. Holding. 

Email #3, from Frank:

Dear Cameron McCaffrey,

I received your mail and content well understood and appreciated.

As you advised, I agree with you and prefer all our conversation to be by Email for it is more secure and confidential for business of this magnitude.

Trust and understanding are very important and should be our basic watchword for smooth and successful transactions. Since the magnitude of this transaction requires some level of confidentiality.

There would be no preference regarding which method of transfer of the funds, either by wire transfer or by ATM Card payment. Advantages defers not for a beneficiary. I prefer you to receive the funds by bank to bank wire transfer.

Yes there should be some form of legal documentation and official correspondence bearing your name as the legitimate beneficiary of the funds.

Procuring and revalidation of the legal funds documents in your favour would be done by the head of our legal department at little cost.

Attached is my ID. Send me the following details.

Your name
Address
Telephone
Occupation
Gender
Age
ID
Bank detail

Waiting for your urgent response.

Regards,
Frank Holding, Jr.
Chairman and CEO First Citizens Bank