“It's Ashley um I just realized that we are officially in the fourth quarter so I sent you an email and the reason for my call is I want to make sure you got it I just want to take a quick minute of your time to go over rates and terms for the pending preapproval I have available for your business _â _ looks like our rates are coming in right around 4 1/2% right now really wanted to see if you had a need for funding as you start preparing for year and a bunch of _â _â _â _ for your call talk soon…â€