Good afternoon . This is Michelle Li speaking , calling on behalf of IBA . Is Mr Meng available at all ?   This is Mr Meng speaking , Michelle .   Oh , hello ! Sorry about that . I'm just calling to say that we've received your new Corporate Credit Card from HQ .   That was quick ! I wasn't expecting it until later this week .   Yes , our application procedures have speeded up since we started using the new fast-track system .   Shall I come in and collect it ?   Or we can send it to you . But if you would like to use it at the ATM , you'll need to wait for your PIN number .   Mmmm ... if I come in and collect it this afternoon , is there any way I could use it today ? Petty cash is getting low , so I need to draw some money .   As long as you bring your ID , etc , we can serve you over the counter . But you won't be able to use the ATM until your new PIN number arrives .   I see . Yes , that's fine . I'll be there at around 2:30 pm . See you later , and thanks . 