[speaker001:] Are you the loan officer of this bank?
[speaker002:] I certainly am. What can I do for you?
[speaker001:] I was wondering if I could ask you some questions about a loan I want to make.
[speaker002:] Sure. By all means please do. Please take a seat.
[speaker001:] Thank you. See, I 'm planning to buy a car here and I 'm planning to use my time deposit here as the collateral.