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Frog Loan
Date: Sent Tuesday, April 10, 2001
Category: None
Rating: 3.02/5 (124 votes)
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One day a frog hopped into a bank to try to get a loan. He asked to see a loan officer and was told to see Patty Black. She gave him the appropriate papers, and when the frog was finished filling them out she looked them over.

"Mr. Frog, everything seems to be in order, except that you have not listed any collateral. Do you own a house?"

"No," he croaked.

"What about a car?" she asked.

"No," he replied again.

"Well, I'm sorry, Mr. Frog, but you must have something of value to put up as collateral in order for me to give you this loan."

The frog thanked her and promised that he would return with something to use as collateral. The next day the frog hopped back to the bank, carrying an odd-looking figurine of some sort and showed it to the loan officer. "I would like to use this as collateral for my loan," he croaked.

She looked it over and replied, "I'm not convinced that this is valuable enough for a loan of this amount."

"But this is an antique!" the frog protested. "It has been in my family for generations!"

The loan officer, sensing the frog's sincerity but knowing very little about antiques, took the item to her the head of the loan department. "Sir," she said, "there is a frog out here who wants a loan and the only thing he has to offer for collateral is this . . . THING, and I don't even know what it is. He claims that it's a valuable antique. What do you think?"

The man looked it over carefully, then replied, "Why, it's a knickknack, Patty Black, give the frog a loan!"

Received from Daniel and Laura Rupers.


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