Per the Fraud Examiners Manual, what is an advanced-fee fraud? A. A scheme in which the financial institution requires an excessive down payment to obtain a loan with favorable interest rates. B. A scheme in which the fraudster persuades the target to advance sums of money by falsely promising the delivery of a product or service. C. A scheme in which the fraudster demands to receive an advance (i.e., kickback) from financial institution in exchange for brokering a mortgage. D. A scheme in which the fraudster pays an advance to the financial institution in exchange for laundering money