in response to GRAYDENE... I was contacted by a Mr Alex Smith about a loan also using zenithlenders@yahoo.co.uk as well. I looked up Zenith Bank and it does exsist in Nigeria. I sent them several E-mails regarding Mr. Alex Smith and never got a reply back. So then I decided to have some fun with Mr. Alex Smith by asking him bogus questions. To date he has called me 15 times, I hope those long distance phone calls are exspensive.