Welcome to Lincoln Bank . Are you a new customer ?   Yes , I am . I opened an account with you about a month ago , but today I'm here to see about a loan of some kind .   I see . As you don't have a long history with us , we will have to check your credit rating with your previous bank before we can promise any loan to you .   Yes , that's fine . My credit is good ; I banked at my former bank for many years .   May I ask why you decided to switch your account to us ?   Haha ! Actually , I felt that your array of services is much better than what my old bank had on offer . Plus , I've got plenty of friends who bank with you and they are extremely happy . 