Good afternoon , Lincoln Corporate Services . Lina speaking , how may I help ?   Hello , Lina . I'm calling about your new PIN scheme . I'm new to all of this , so some of my questions may sound a little ignorant ...   That's not a problem , I'm more than happy to explain everything in laymen's terms . PIN stands for Personal Internet Banking . You can do all of your usual banking using the Internet , no need to call   I see . How about buying and selling items ?   We can take care of that for you , too . You can get all of your usual banking services plus some new extra ones . As this service is net bases , you can do it anywhere . 