On a scale of A+ to FReason for RatingBBB Ratings System Overview

 It started with the worse phone reception ever, that raised my suspision I am glad to say.

Terms in email seemed legit untill:

Congratulations, your loan request of

5,000.00USD was approved based on the credit information

that you have submitted to our institution as well as your ability to repay. If any information submitted to us

is misrepresented or falsified, this will result in a delay of the loan process, or the termination of the loan

agreement. We trust that all information submitted to us is true and accurate. Once final approval has been

obtained, you will have

seven (7) business days to fully secure your loan. Your consultant will provide you

several options as to how you can secure and obtain your loan. Please read the Insurance Disclosure

Statement for further details on your selected security option. The Broker has negotiated terms and

conditions on your behalf with a Lender to best suit your personal Lending situation. With the funding of

this loan we hope that the Lending relationship that we are about to embark on allows both parties to reach

theirhighest potential, together.

Once all required documents are received as per Lender and Broker requirements, you will be required to

secure your loan through the agreed upon method;

 ***Here is the SCAM***

Full coverage, at the premium of $463.17 (3 MonthsDown,No charge for insurance policy which is being covered by lending company). For more information

regarding your security option, please refer to Insurance Disclosure Statement). Final paperwork for this

loan will be released 5-7 business days after the Funding of the loan, and sent to the above stated mailing

address (if incorrect please contact your loan officer to inform us of the error).

In order to ensure prompt delivery of the Loan proceeds you have selected to receive the funds via;

Bank

Account Deposit.

All payment information will be released ten (10) business days after we release the loan into your

possession. Again, we want to welcome you into the

Direct Capital Financing family of valued clients.

Brad Howard

Senior Loan Division Manager