hi there this is an important call from Hearthstone Financial regarding your account hey this is Penelope Bennett and I've got some important news for you I'm reaching out from the eligibility Review Office over at Pacific trust Financial the reason for my call is that I'm showing you've been conditionally approved for a personal loan starting at $60,000 with budget-friendly monthly payments of just 575 per month I'll be honest I've already seen several approvals like yours get pulled because people didn't respond in time