I think this one is better if you say it out loud:
A frog went into a bank to ask for a loan. The teller, whose name was Patty Black, asked him:
"What do you have for collateral?"
The frog pulled something out of his pocket, but Patty Black didn't know what it was, so she took the thing and went to ask her manager. He took one look and said:
"It's a knick-knack, Patty Black, give the frog a loan!"
A frog went into a bank to ask for a loan. The teller, whose name was Patty Black, asked him:
"What do you have for collateral?"
The frog pulled something out of his pocket, but Patty Black didn't know what it was, so she took the thing and went to ask her manager. He took one look and said:
"It's a knick-knack, Patty Black, give the frog a loan!"