[speaker001:] Mr Ludlow, hello. It's good to see you again. What can we do for you today?
[speaker002:] Hello, I'm sorry it's been such a long time. I've been away on business. I'd like to discount this.
[speaker001:] No problem. Could I please see the bill and all of the other documents?
[speaker002:] Yeah, sure. Here they are. Take your time going through them, I'm in no hurry.
[speaker001:] There's no problem here, everything's in order. I can transact that for you now.
[speaker002:] Do I need to pay anything? Like a handling fee, or something?
[speaker001:] No, you don't need to pay anything on top. We just simply deduct the discounting interest.