Dear Mr. Wellington,

My name is Danny Harper. I’ve had my account with the GRB Credit Union for two years now, and I’m mostly happy with your services. I’m writing today to inquire about a small personal loan. I need $750.

Recently my mom broke her hip and now she’s in the hospital. I don’t need the money for medical bills- her insurance covers that. I really want to do something nice for her birthday. A GREAT surprise! I mean all out, with firecrackers and a stripper. She’ll NEVER see it coming. I know you’re probably thinking that’s not the kind of party a mom would enjoy, but trust me; it will shock her pants off. And that’s what I want to see.

My mom loves surprises. One time my dad had a surprise party for her on the beach. Another time, he surprised her with a trip to Italy. I want this to be just like that!

There’s a stripper named Lalissa Fremont that would be perfect to hire. I don’t know another stripper as thoughtful and creative as Lalissa. We met by chance at her work, and I can’t stop thinking about her. I think hiring her to strip for my mom’s party would help Lalissa to see that there’s more to the world than stripping in nightclubs. There are much safer places to strip. Lalissa said she’d work my mom’s party for $500. I’m asking for $750 so that I’ll have money for the firecrackers, the Diet Dr. Pepper and for VIP treatment.

I do have a few questions regarding the loan. Will you be giving me the full amount, or do you want to hire Lalissa directly? I can’t promise that she will give you as good a deal as she is giving me. Also, I know there are different types of loans. Do you guys give a type of loan that’s a gift?

Please let me know soon. Time is of the essence.

Danny