Joey comes to the bank looking to refinance his home. Beforehand he's already given some information and Cocoa attempts to get him to sign today. She goes over the term of the new loan and shows how much money he will save month to month now that interest rates are rock bottom. He seems interested, but that quickly turns around when she mentions the steep closing cost for the deal. She explains to him that this is how the company makes the money to negotiate new terms on refinancing but he seems lost ever since she propped her feet up on the table.

She realizes seduction is key. Sh... Show more