Every fourth email

Hello,
I recently came across your website and I wanted to reach out to you
because I admin a couple of similar websites with a primary focus on the
financial industry (payday loans, emergency loans, etc…).
I was wondering if you might be interested in linking to our
website.  I think the similarity in our sites would complement each other
nicely.
If you would be kind enough to link to our site(s), I would be more
than happy to return the favor in some form.  I have numerous contacts and
tons of other sites (PR 1-4).
I would be interested in a 3-way link exchange relationship with
you.  One of our sites is listed below:

http://www.brightdayloans.com/Links.html

Thank you very much.  I hope to have the opportunity to build a
relationship!
Sincerely,

XXXXXXX

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Josh here, what the hell is this business?  I swear I get 20 of these a day, every day.  Who is making money from this in any way, shape or form?  Anyone?