Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid loan scams [title] Research any lender you are considering. [step] There are a lot of fraudulent lenders on the market, so go into your search with extreme skepticism. You need a lot of hard evidence of a company's legitimacy before agreeing to do business with that company.

Ending1: [substeps] When meeting with a lender, look at the kind of business the person is investigating. If the person you research has a large or heavy-duty mortgage with very high interest rates, he or she may not take that risk. Ending2: [title] Go to your lender and draft a letter explaining your concerns. [step] Include your full name, address, phone number and contact info. Ending3: Look into the phone book, visit a consumer protection website and find a legitimate bank to pay for your loan, if one is offered in your area. If you find this information that you are not sure about, keep looking. Ending4: [substeps] Get the lender's phone number from an online source or the phone book and call to make sure they really are who they claim to be. Ask for the lender's physical address and use that to search for reviews online.

Answer format: ending1/ending2/ending3/ending4