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一个欺诈的例子就是利率“内定”方式。由于弗雷德马克和范妮梅早已得到投资者的许诺,因此他们允许借款者采用这种条款,这对弗雷德马克和范妮梅而言这毫无风险。在没有那些公司担保的情况下,假如借款者还想享受这种利率,他们就得支付额外的费用。