In this scene, a mother named Susie visits a bank to inquire about a loan to cover her son's expensive diabetes medication. The bank officer, Keith, offers her a predatory "Care Loan" with a high interest rate of 25% due to her lack of collateral. Keith's colleague, Mike, overhears and confronts him about the dubious nature of the loan, revealing that it's a scheme to siphon extra money into Keith's account by exploiting desperate clients.

Later, another potential borrower approaches Keith about a loan for her elderly mother’s care. Just as Keith starts to pitch the "Care Loan," he is interrupted by Special Agent Walker, who reveals that Keith has been caught in a fraudulent scheme thanks to a tip-off. He is arrested for his actions, emphasizing the unethical practices he engaged in to exploit vulnerable customers.