utterance: Thank you for calling Intellibank this is Justin, how may I help you today?

utterance: Hi Justin.

utterance: Hello how are you?

utterance: Mm I'm I'm doing well, I'm all right, how about you, what's your day like so far?

utterance: Well you know I'm doing well thanks for asking and just you know a day of helping Intellibank customers which makes me happy.

utterance: I love when I get to call Intellibank and have a nice little convo.

utterance: All right, let's let's have a good one here today. What can I do for you?

utterance: OK I just I need to update some of my account information.

utterance: Perfect, that sounds pretty simple.

utterance: Yeah.

utterance: let me pull up your account. may I have your credit card number please?

utterance: Mhm Oh I was looking at a different card sorry.

utterance: It's OK.

utterance: Yeah but wait this is OK yeah my business I've got a lot going on today.

utterance: Hey.

utterance: It's it's it's quite all right.

utterance: Yeah I'm a small business owner so. Yeah I do.

utterance: Oh very nice.

utterance: What what

utterance: Kind of business?

utterance: Oh yeah I pot plants for for people. Mhm and they make videos of me potting their plants.

utterance: You pot plants? Oh, very nice.

utterance: Oh very nice.

utterance: Yeah.

utterance: Oh very cool. so yeah again if I have your credit card number then we can get started here.

utterance: Oh yes, it's four three three, two seven two one, seventeen forty-eight.

utterance: OK. Great and then before we proceed you know just to check the security of your account I do need some information here, what is your full name?

utterance: Lisa Patagonia.

utterance: Lisa Patagonia right, thank you very much Lisa.

utterance: Mhm.

utterance: Sure.

utterance: And Lisa could you give me your date of birth please?

utterance: Oh yes. What was your name again?

utterance: Justin.

utterance: Justin OK. It's June third nineteen seventy-seven.

utterance: You know what, we have the same birthday.

utterance: I'm June third as well.

utterance: Unbelievable Justin.

utterance: I'm a little older

utterance: Than you. I'm not gonna say how much but.

utterance: Yeah?

utterance: Oh OK so it's not the same year.

utterance: It's not the same year, we just have the same day.

utterance: So it's not possible that we were twins separated at birth?

utterance: No.

utterance: Unfortunately I don't think so. Unless unless I do not. I don't have any siblings. I'm an only child.

utterance: Do you have a twin?

utterance: Aww.

utterance: Just me.

utterance: Mm you must have been enough.

utterance: I was a handful for sure. Ask my parents. very good, so we got your, and then for your security number I just your the name of your pet.

utterance: Yeah?

utterance: My current pet?

utterance: Well just what you have listed on your security account.

utterance: Oh that would be.

utterance: Crocodile Dundee.

utterance: Yeah OK very good.

utterance: Mhm.

utterance: Is that a actual crocodile?

utterance: Iguana.

utterance: Oh how fun.

utterance: Yeah.

utterance: Do you have any pets?

utterance: I do not no, I live alone.

utterance: Potted plants?

utterance: I don't I just have a barely furnished apartment it has a bed and that's about it.

utterance: Mm.

utterance: Yes.

utterance: OK very good. so what kind of changes to your account did you want to make?

utterance: Oh yes a simple email address change.

utterance: Fantastic. So on record for your account we have crocodile dundee two for me at Gmail. Do you wanna keep that, or would you like to replace it?

utterance: Mhm.

utterance: Yeah.

utterance: Mhm.

utterance: Mm if I were to keep that email address, would I get multiple emails as?

utterance: No we can make one your primary one, and then the other would just be just to have on file.

utterance: Hmm what phone number do you have on file for me?

utterance: Let me see here, we have eight one eight, three three three, four two four two that is your personal. Do you want to keep that?

utterance: Mm I'll keep it, and I will not keep the email address you just read, I'll just give you my new email.

utterance: Yeah so we're getting.

utterance: Rid of the Crocodile Dundee two for me at Gmail dot com. What is your new email address?

utterance: Yeah.

utterance: Mhm.

utterance: Topanga rider.

utterance: Topanga rider?

utterance: Yeah.

utterance: At Gmail.

utterance: At Gmail. OK. Do you want us to send you email updates and stuff?

utterance: Yeah.

utterance: Oh.

utterance: We could always we could always have you check that off as you know no spam.

utterance: How about. Is it, do you have an app with your bank?

utterance: We do, we of course we have the Intellibank app, which you can, yeah, which you can get at the Apple store. or you can bank online with us twenty-four seven. All you have to do is just start a account.

utterance: Intellibank.

utterance: I didn't know that Intellbank had online banking options.

utterance: Oh we

utterance: From the start, yeah. We're big online.

utterance: Wow, where have I been?

utterance: And in fact online

utterance: You can make all these changes you want, so you can change your phone number willy-nilly you can that's correct you don't have to call old Justin here.

utterance: Right online without a call?

utterance: OK Justin, well thank you for all of this helpful information.

utterance: You're quite welcome.

utterance: Is there anything else I can do for you today?

utterance: Mm can you just repeat the email back to me once more.

utterance: Sure, Topanga Rider at Gmail dot com.

utterance: K you successfully changed that, let me know about the online banking I think we got it covered.

utterance: I sure did.

utterance: OK, Topanga, well you have a very good day.

utterance: Yeah.

utterance: Uh-huh.

utterance: And it was lovely talking with you.

utterance: It was lovely talking with you too, yeah you take care of yourself out there.

utterance: You too.

utterance: Thank you so much.

utterance: Have a good day.

utterance: OK you have a good day too. Bye now. Goodbye.


speaker_role: Agent

utterance: Thank you for calling Intellibank. This is Stephen. How may I assist you?

speaker_role: Customer

utterance: yes I need to upgrade a piece of my equipment for my cabinet making shop and I was wondering if you could help me with that?

utterance: OK. well we do offer loans and credit cards depending on what type of machine are you needing to purchase do you already have a credit card with us?

utterance: I do. I have a gold credit card.

utterance: OK. Well I can let you know what your available balance is on that to see if that will cover your purchase.

utterance: OK yes. That'd be great.

utterance: Alright. I can certainly do that for you. can I have your name and date of birth please?

utterance: Dan Thomas. T H O M A S and my date of birth is May twelfth nineteen sixty-two.

utterance: Alright thank you. And can I have your PIN number please?

utterance: One zero six two.

utterance: Thank you and then the sixteen digit number on your credit card?

utterance: hang on let me look at that.

utterance: No problem.

utterance: OK I've got it.

utterance: Alright whenever you're ready sir.

utterance: Two six six nine four zero seven seven three five six five one zero nine three.

utterance: Alright let me read that back to you. Is it two six six nine four zero seven seven three five six five one zero nine three?

utterance: That's correct.

utterance: Perfect. Alright I've got that pulled up and it is showing you have available balance of ten thousand nine hundred and forty-two dollars and ninety-eight cents.

utterance: Alright that sounds great. And I also need to cancel a check on my business total checking account please.

utterance: OK I can certainly do that for you as well. can I have your name once again?

utterance: Dan Thomas.

utterance: And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: And your PIN number?

utterance: One zero six two.

utterance: Alright thank you for that. I've got that verified and what is the check number for the check that you're needing to cancel?

utterance: hang on, let me look it up.

utterance: Not a problem.

utterance: OK I've got it.

utterance: Alright sir.

utterance: One six four six.

utterance: OK that's check number one six four six. Is that correct?

utterance: Yes, that's correct.

utterance: Alright, thank you and then can I know the reason that you are needing to cancel that check today?

utterance: this check has been outstanding for the past year and I just need to get it off my books.

utterance: Alright, certainly I'll go ahead and get that processed.

utterance: is there a fee associated with that?

utterance: no sir. Since that check is over a year old there will not be a fee for canceling that check today.

utterance: Alright, that sounds great.

utterance: Your day going pretty good so far?

utterance: Yes sir, my day is going pretty good. How's yours?

utterance: It's going pretty good.

utterance: Well, that's very good to hear.

utterance: can you tell me what type of loans that you offer?

utterance: Yes sir. We offer term loans, secured loans, real estate loans, S B A seven A and S B A five oh four loans.

utterance: Alright, sounds great. And what about the process to apply for a loan? Is that pretty easy?

utterance: yes sir. The loan application process is pretty straightforward. we can either do that here over the phone or you can do it online or in person. and we would just need to collect some basic information about you and your business and we would then have you submit supporting documentation and then our loan counselors would make a determination on that loan and it generally takes about four to six weeks.

utterance: OK that sounds pretty easy.

utterance: Yes sir and just to let you know I have gone ahead and got that check canceled for you so that has been taken care of.

utterance: Alright I do appreciate it.

utterance: Not a problem sir. Is there anything else that I could assist you with today?

utterance: I can't think of anything.

utterance: Alright sir. Well thank you for choosing Intellibank and you have a wonderful day.

utterance: Alright, thank you!

utterance: Thank you, goodbye!


utterance: Good morning. This is Tom at Intellibank.

utterance: Hi Tom. How you doing?

utterance: All right. How are you?

utterance: Good. Good. Just calling you up because I wanted to get my finances in check and I need an investment report. Do you do anything like that?

utterance: yeah absolutely we got

utterance: We can send you an investment report. we can help you out in a bunch of ways. How about we start with you giving me some of your information like what's your first and last name?

utterance: Oh OK. Yes my first and last name. First is Gerald. Last name is Anders.

utterance: All right, Gerald. can I also get your date of birth?

utterance: Date of birth is October nineteenth nineteen eighty-seven.

utterance: Right and your account number and PIN please.

utterance: Account and PIN. Whoa gosh can you give me a moment? I'm gonna go dig that up for you.

utterance: Sure.

utterance: All right. Hold on one sec.

utterance: No problem.

utterance: OK. Hi. Hi. Sorry. Are are you still there?

utterance: Yes, yes.

utterance: Oh great thanks thanks for holding. OK. Account and PIN right?

utterance: Yeah no problem.

utterance: Yes.

utterance: All right. Account number is one four one one two nine nine seven three six and the PIN is eight four three two.

utterance: All right. we actually our PIN numbers are six digits.

utterance: Eight four three two.

utterance: is it five one on the end?

utterance: That's it. Yeah, great. all right. So we were talking about were you interested in investment banking or you wanted to sort of like get some more information about your accounts? How can I help?

utterance: OK.

utterance: No I.

utterance: I was just looking for the investment report.

utterance: OK. Yeah so we can send that to you either by email or we can mail it to you.

utterance: Do you have a preference?

utterance: and this this report it's it's like all one report where all my investments are consolidated to tell me how much I'm profiting overall? Cuz that's what I'm looking for.

utterance: Yeah yeah. So the investment report is definitely gonna help you with that. it's just a matter of getting it to you.

utterance: Would you like us to send you to your email? that way you know you can print it out on your own. Or we can mail it to you look at it that way.

utterance: Just email it to me.

utterance: OK. can I verify your email address?

utterance: Yes it is shark tank fox at Gmail dot com.

utterance: All right. that's not coming up. could it be. Do you have a number attached to it or

utterance: That's it.

utterance: Shark tank thoughts at Gmail dot com.

utterance: OK. yep. It went through. I'm sorry about that.

utterance: Oh.

utterance: OK.

utterance: Having some problems with my computer.

utterance: OK. All right. Well, no problem.

utterance: All right. so I'm gonna email that to you. do you have any other questions or anything else I can help you with?

utterance: No. When will I get that email?

utterance: it should be in in the next minute or two.

utterance: All right. Well just can you just hang on the phone with me to make sure I get it.

utterance: Sure. Sure.

utterance: Cuz I'm gonna double check.

utterance: while we're waiting do you have any questions that we have a new credit card that's coming out. it's a gold card, platinum and silver different levels.

utterance: It's a it's a cold card?

utterance: Gold card.

utterance: Gold. Sorry. Credit card but you have we have three different levels of that. It's gold, silver or platinum. Are you interested in anything that?

utterance: No. I I I I'm fine. I thought maybe there was like some sort of card for minerals now like oil or minerals. You know what I mean?

utterance: No the I'm a little off today. I apologize for that.

utterance: That's OK.

utterance: but yeah is there anything else? Did you happen to see if you got your email yet?

utterance: Yeah actually just got it so I should be good to go for now but if yeah if I wanna take advantage of anything else I'll give you guys a call back.

utterance: All right. Great. You take care and I appreciate it.

utterance: Thanks for banking with us.

utterance: Thank you.


utterance: Thank you for calling Intellibank. My name is Daisy how may I help you?

utterance: Hi Daisy I am looking to upgrade some of my equipment for my business and I just cannot believe how much it's gonna cost.

utterance: Oh wow. OK. And so is there something you're thinking that Intellibank may be able to help with?

utterance: I mean is there a way to get some cash for my business?

utterance: Are you looking for a loan today?

utterance: Yeah. Yes.

utterance: And are you aware of the loans that we offer?

utterance: yeah, I was thinking about getting a term loan.

utterance: OK. OK. Perfect. All right. I will be happy to help you apply for a term loan today. Correct?

utterance: Yes.

utterance: OK. And let me just pull open the application. And. All right sir, what is your full name?

utterance: George Emory.

utterance: Will you spell that?

utterance: G E O R G E E M O R Y.

utterance: Thank you. And your street address?

utterance: Sixty-one Bluebove Court, Branson, Missouri, five five three two four.

utterance: Thank you. And what is your social security number?

utterance: four two one three eight four four eight one.

utterance: Thank you. And what is your phone number?

utterance: It is six one two two two nine three nine zero nine and just in case you need it my email is G Emory Trades at Hotmail dot com.

utterance: Oh, OK. Thank you. Is that G E M O R Y T R A D E S?

utterance: Yeah.

utterance: All right. Thank you. What is your driver's license number?

utterance: Z one zero seven two eight nine one one two.

utterance: And in which state was that issued?

utterance: Missouri.

utterance: What is your Intellibank pin number?

utterance: sixteen sixty-two.

utterance: George, what is your business name?

utterance: Emory Data Management.

utterance: Are you the sole owner?

utterance: Yes.

utterance: Alright, thank you. George, what is your date of birth?

utterance: well on my driver's license it says September twenty-first nineteen ninety-nine. But when I was born the hospital messed up my birth certificate and wrote the twenty-second. I'm currently having that fixed but I'm just letting you know in case so that there's no confusion, there's no trouble.

utterance: OK, so your driver's license is valid?

utterance: Yeah.

utterance: And what is the date on there?

utterance: September twenty-first, nineteen ninety-nine.

utterance: And you said that is your actual date of birth?

utterance: Yeah.

utterance: OK. And. You said you were the sole owner of your business, correct?

utterance: Yes.

utterance: And what was the establishment date of your business?

utterance: December eighteenth twenty nineteen.

utterance: What is your gross annual sales?

utterance: Eight hundred eighty-nine thousand and twenty-one dollars.

utterance: And what is your tax ID number?

utterance: It is seven three nine zero zero one zero two nine.

utterance: Thank you. What is your business street address?

utterance: One fifty-three Pine Cone Circle. that's also in Branson, Missouri, five five three two four.

utterance: And for the mailing address would that be your home address or your business address?

utterance: let's do my business address. It's still one fifty-three Pine Cone Circle.

utterance: Yup.

utterance: All right. And you said the purpose for this loan was?

utterance: it's to upgrade some equipment.

utterance: OK. And how much are you requesting?

utterance: thirty-five thousand dollars.

utterance: And when would you be able to pay that back? What would the loan term be?

utterance: Thirty-six months.

utterance: All right. That is all the information I need for this application. And you will receive an email very shortly. And in the email it will ask for your supporting business documentation and tell you what is acceptable for that documentation. Once you have submitted the all the documentation then it may take up to three business days for you to get a results regarding your application.

utterance: OK.

utterance: I have a transaction ID number, if you'd like to write it down.

utterance: Sure.

utterance: It just takes a moment for that to pop up.

utterance: OK. How's your day going Daisy?

utterance: My day is going very well. How about your's George?

utterance: it's going good, you know. now I'm a little nervous. would I get this loan but other than that it's been a very good day.

utterance: Good. Good. I have that number. Are you ready?

utterance: Yes, I'm ready.

utterance: Nine nine one seven six two nine.

utterance: Nine nine one seven six two nine. Got it.

utterance: All right. Anything else I can help you with?

utterance: Nope. That should do it.

utterance: OK. Thank you George. Have a great day.

utterance: You too. Bye.

utterance: Bye now.


utterance: Hi, this is George with Intellibank. How may I help you today?

utterance: Hi, George okay, so just a little bit of info on me before I even, you know, get to anything, get a little ahead of myself. Mhm I've had an account with you guys for a little over two years now and that's a savings account and I also my husband has a checking account with you guys and so recently we decided to open a credit card together that we both use.

utterance: OK.

utterance: And we have the platinum card.

utterance: Oh, OK. How's it going?

utterance: Yeah, yeah, we're really enjoying it so far, getting a lot of benefits, so you know, we like to get the cash back on all the restaurants that we visit.

utterance: Hmm, yeah, yeah, that's right.

utterance: Yeah, we really been enjoying that mhm but I was calling to find out what my options were for automatic credit card payments.

utterance: OK, yeah, we can get that going. Before I get that, though, I'm gonna have to ask a few questions. First is your your first and last name and your date of birth.

utterance: OK, it's Tallulah Nixon.

utterance: Tallulah Nixon, oh, that's a wonderful name.

utterance: Oh, thank you. Mhm It's spelled T A L L U L A H.

utterance: Mhm.

utterance: And then Nixon. N I X O N.

utterance: OK, yeah, I got that. All right, and your date of birth?

utterance: Oh, OK, sorry. That was November fifth.

utterance: Mhm.

utterance: Nineteen ninety-two.

utterance: Nineteen ninety-two, perfect. All right.

utterance: Now what is the credit card number that we're talking about?

utterance: Oh, I actually don't have my credit card on me. Could I take just a moment to go get that?

utterance: Yeah, absolutely. Take your time.

utterance: OK, thank you.

utterance: Mhm.

utterance: OK, I do have my credit card.

utterance: Oh, beautiful. Let's get going with this.

utterance: OK, so it is three one nine six.

utterance: Three one nine six.

utterance: Four two five nine.

utterance: Four two five nine.

utterance: Seven seven eight one.

utterance: Seven seven eight one.

utterance: Two two five one.

utterance: Two two five one.

utterance: All right, and as a security question, what is your favorite city?

utterance: New York.

utterance: New York. OK.

utterance: New York it is. All right.

utterance: Let's see, so, OK, you want to do these automatic payments. Mhm How much do you wanna pay every month?

utterance: I think what we've done in the past is we like to do two hundred, but mhm would you mind telling me what our current balance is?

utterance: Right now you are at four thousand, one hundred and eight.

utterance: And two cents.

utterance: OK, would you mind if I asked my husband really quickly just to see cause I think we might wanna start paying more so we can just~.

utterance: Oh, yeah, yeah, by all means, yeah.

utterance: OK, just a second. Mhm.

utterance: OK, sorry about that.

utterance: Oh, no.

utterance: All right, so what do we got?

utterance: OK, so we're thinking that we wanna go ahead and do four hundred a month.

utterance: Four hundred a month, OK.

utterance: OK, we're really looking to so get rid of this as quickly as possible.

utterance: That's the good way to do it, you know.

utterance: OK, so here we go. So you wanna do four hundred a month. What is the bank account number and the routing number for this?

utterance: OK, the bank account number is going to be four five nine.

utterance: Four five nine.

utterance: Two two three seven.

utterance: Two two three seven.

utterance: Seven one seven eight.

utterance: Seven one seven eight.

utterance: OK, and the routing?

utterance: The routing number is six zero nine four.

utterance: Six zero nine four.

utterance: Two two three one.

utterance: Two two three one.

utterance: Seven eight nine one.

utterance: Seven eight nine one. All right. And the payment day?

utterance: OK, so today is the first. Mhm Can we have it set to come out on the seventh? So, you know, the end of the first week every month?

utterance: OK, so seventh.

utterance: We wanna do four hundred dollars on the seventh, every single month?

utterance: Uh-huh.

utterance: OK.

utterance: Let me just do that real quick.

utterance: as this is going through, is there anything else I can help you with today?

utterance: Are we gonna get some type of email notification every month once once the money is pulled?

utterance: That is correct, yeah.

utterance: OK, great, great, great. I'll let my husband know.

utterance: OK, well, this is good to go.

utterance: And yeah, thank you again for being a great customer in Intellibank, and we hope to continue serving you for a long time.

utterance: Thank you, you guys are always so helpful.

utterance: All right, have a good one.

utterance: You too.

utterance: Bye bye.


utterance: Hi. This is Jess Jones at Intellibank. How can I help you today?

utterance: Hi Jess. How's your day going so far?

utterance: so far so good. Can't complain. How about you?

utterance: My day is going OK. I I got this piece of mail here and it's speaking about discount rates for points or something.

utterance: OK. Yes. it sounds like you'd like to speak with one of our risk specialists so he can walk you through the new program.

utterance: OK. That's fine.

utterance: OK. can I start by getting your full name please?

utterance: Yes. Let me know when you're ready.

utterance: I'm ready whenever you are.

utterance: Oscar first name's Oscar O S C A R last name. Hello?

utterance: Yes.

utterance: OK. I'm sorry. I didn't hear you. Oscar Brown.

utterance: OK. And is that B R O W N?

utterance: Sure is.

utterance: OK. Great. So I'm gonna go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: I'm sorry, I can't hear you. What was that?

utterance: Yes. Gimme one second. OK. I am ready.

utterance: OK.

utterance: Four four five six two seven two zero one two six six six nine six five.

utterance: OK. And just for clarity, that was four four five six two seven two zero one two six six six nine six five?

utterance: That is correct.

utterance: OK. Great. So before we can proceed further, I need to ask you just a few security questions.

utterance: OK.

utterance: Can I start by getting your date of birth?

utterance: Absolutely. It's gonna be zero four fifteen nineteen ninety-three.

utterance: OK. Four fifteen nineteen ninety-three.

utterance: Mhm.

utterance: OK, and can.

utterance: That was a.

utterance: Great year. Ninety-three. Nineties baby. What year were you born?

utterance: I actually was born in ninety-six.

utterance: Really?

utterance: Mhm.

utterance: So you're a nineties baby a little bit.

utterance: Yes. Right.

utterance: Did you?

utterance: Disney Channel, Nickelodeon, or you.

utterance: Mhm.

utterance: Both of those.

utterance: Both!

utterance: Yup.

utterance: What was your favorite Disney show?

utterance: That's So Raven.

utterance: It's the future I can see.

utterance: Exactly.

utterance: I love That's So Raven.

utterance: It was a great show.

utterance: Yeah. Corey Baxter and all those.

utterance: OK, so.

utterance: Mhm.

utterance: Gems. Chelsea. Who's your favorite character?

utterance: Exactly.

utterance: probably Raven.

utterance: Yeah, she is. Yeah. Of course. It's her show. But.

utterance: Mhm.

utterance: Eddie was cool.

utterance: Yeah. OK, so so can I go ahead and get your PIN number, please?

utterance: Yeah. I'm sorry about that. ready?

utterance: Yes.

utterance: Zero four seven four.

utterance: Zero four seven. OK. Great. And.

utterance: That that.

utterance: That that was actually my favorite show on Disney.

utterance: Yeah.

utterance: It's a great one.

utterance: One hundred percent.

utterance: OK, so you did answer a few security questions when you created your account so I'm just gonna go ahead and go through those really quickly. OK. What was the name of your childhood pet?

utterance: OK.

utterance: Raven.

utterance: Raven. OK, perfect. Yes. And what sport did you play in high school?

utterance: I did soccer but try. If soccer doesn't work, try futbol.

utterance: OK.

utterance: F U T B O L.

utterance: OK. OK it it it was actually soccer. OK. Great.

utterance: Yeah,

utterance: OK.

utterance: Nice, nice, nice.

utterance: OK.

utterance: So thank you for verifying that information. I'm gonna go ahead and pull up your account. Just gimme one moment.

utterance: Yeah. They used to they actually used to call me hot tamales on the soccer field.

utterance: Oh, wow.

utterance: Yeah. Yeah.

utterance: What a nickname.

utterance: Quick feet hot sauce type of thing you know?

utterance: OK. So I was able to get into your account. I have it in front of me right now.

utterance: OK.

utterance: I'm gonna pull.

utterance: And what does?

utterance: That thing say?

utterance: It just says your account information. So I'm gonna also pull up our scheduler so we can get you in contact with one of our risk specialists.

utterance: OK. That works.

utterance: OK. is there a specific day and time you were hoping to speak with someone?

utterance: what time do y'all open?

utterance: we open at eight a.m. and we close at six p.m..

utterance: And y'all are taking in-person?

utterance: Yes.

utterance: OK. I can do like like maybe Tuesday open.

utterance: OK. Let's see. Tuesday. OK, we have one at eight thirty a.m. on Tuesday. Does that work?

utterance: Yeah. That should be fine.

utterance: OK. So I have you down for Tuesday at eight thirty a.m.. And you said you were looking to come in in-person?

utterance: Yes ma'am.

utterance: OK. Can I get your ZIP code please?

utterance: Absolutely. It's gonna be eight eight seven seven four.

utterance: Eight eight seven seven four. OK. One moment please. OK. It looks like you're gonna be going to our Southport location. So I have you at eight thirty on Tuesday at our Southport location. And all you're gonna need to do is show up with your ID and check in with reception and let them know that you have a preexisting appointment.

utterance: OK.

utterance: Is there anything else that I can help you with today?

utterance: no. No. I I guess they'll be able to help me with the rest of this. Do you have the name of the specialist you're connecting me with?

utterance: Yes.

utterance: Yes. So at that time it should be Sharon James.

utterance: Sharon James. All righty. That's pretty much it. Thank you so much for the call.

utterance: OK. Thank you. You have a good day.

utterance: OK, you too.


utterance: Thanks for calling Intellibank, this is Jerry. How can I help you?

utterance: Yes, I called earlier today about the Consumer Price Index. can you let me know if I can go to a website or something on that?

utterance: Sure, yes. just so that you know, you can go to our website and we have more information there on the website that allows you to look up the specifics, including down to the quarter, the month, the year for that right there at our website.

utterance: OK. Great. Thank you. And by the way, I would like to apply for a secured loan.

utterance: OK, well sure, happy to assist you with that as well. If I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the business name on your account?

utterance: John's Bed and Bath.

utterance: All right. And Ms. Richards, I'm gonna ask you a few questions in order to verify your account. And first of all, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And Ms. Richards, what is the account number you have on file with us?

utterance: OK, did you want my favorite account? All right. It's nine eight four six five nine.

utterance: All right, and the PIN number is?

utterance: One zero one seven.

utterance: Thank you for that. And Ms. Richards, I was able to pull up your account and it appears that you have a business preferred checking account with us. And you mentioned that you wanted to go ahead and apply for a secured loan?

utterance: Yes.

utterance: All right, I'll be glad to assist you with that. I will first just need to ask you a few questions in order to go ahead and begin that application. If you would, Ms. Richards, what is your business address?

utterance: One zero seventy-five Lehman's Court, Smyrna, Georgia three zero zero zero two.

utterance: And what is your mailing address?

utterance: It's the same. One oh seven five, Lehman's Court, excuse me, Smyrna, Georgia three zero zero zero two.

utterance: And what is your personal address?

utterance: One four one Oakwood Avenue, Avondale Estates, Georgia three zero zero zero two.

utterance: OK, terrific. And what is your business email address?

utterance: E dot Richards at JBB dot com.

utterance: And are you the sole owner of the account?

utterance: Yes.

utterance: And what is the or when was your business established?

utterance: March first nineteen seventy.

utterance: OK, and what is the gross annual sales for your business?

utterance: Eleven and a half million dollars.

utterance: All right, all right, and Ms. Richards, what is your Social Security number?

utterance: Two three five zero six eight two six eight.

utterance: what is your driver's license number?

utterance: Zero nine seven five nine eight twenty-two.

utterance: OK, and what is your tax ID number?

utterance: Seven three one six nine five eight two two.

utterance: OK, and what is the state that your driver's license is in?

utterance: Georgia.

utterance: And Ms. Richards, what is the amount of the loan that you would like?

utterance: Four million dollars.

utterance: All right, and what is the term of the loan that you would like for the secured loan, Ms. Richards?

utterance: Well, I'd like to do a ten-year.

utterance: OK, OK, we'll go ahead and note take that for you there Ms. Richards on the application, and what is the purpose of the loan?

utterance: I wanna purchase some equipment.

utterance: All right, that'll be for equipment. And Ms. Richards, what type of collateral will you use to secure the loan?

utterance: I using my savings account.

utterance: OK, you'll be using the funds from your Business Smart Savings account?

utterance: Yes.

utterance: All right. Terrific, terrific. And with that being the case Ms. Richards, I wanna just make sure that I have everything here on our end in order to process the application for you. and it appears that we do have everything that we need here on that, so I'll submit this over to our Business Loan Department.

utterance: OK. you know, I just wanted to say this I I'm so excited about the Braves winning the World Series and I tell you, that bullpen they had with the pitchers and the batters was just phenomenal.

utterance: Yes ma'am, the World Series has been very exciting I think for everybody to see a team, that hasn't been there in a long time, to win it. no matter if you are a fan of the Braves or not. You can't deny their success and their amazing story this year.

utterance: You're right, and that how you've, you know, been such a long time to get that, you can all. Anybody all over the world can just be excited and happy as well for the Braves.

utterance: Agreed, agreed, Ms. Richards. and again congratulations to you, it sounds like you're a fan of the Braves and indeed they are now the World Champions.

utterance: Oh yeah, huge fan base for them.

utterance: Yes, indeed. Yes indeed, Ms. Richards. as mentioned I'll submit this over to our loan department and what will happen is is they will review your application and within about two to three business days they will reach out to you and let you know what the next steps are.

utterance: OK, thank you very much for that. I'll look forward to hearing back.

utterance: Ms. Richards, we certainly do appreciate your business with us and of course, you do have a terrific rest of your day.

utterance: You as well.

utterance: Thank you.

utterance: Thank you s~

utterance: Bye bye.

utterance: Bye.


utterance: Hi, this is Dani Brooks at Intellibank. How can I help you today?

utterance: Hi this is Carlos.

utterance: Hi Carlos.

utterance: How are you?

utterance: I'm good. How are you?

utterance: I'm good. I'm good. So the reason for my call is because I'm I'm looking to get an auto loan. Well I have a business account. With with Intellibank it's it's a newer account. It's almost a year old now. but I'm looking to get an auto loan and before I do that I just wanna make sure that my quick liquidity ratio is at the right level that it needs to be to be approved for this loan. yeah so if you could help me just look that up and confirm what that is. I think I know what it is but I'm I could be mistaken.

utterance: OK I can go ahead and help you with that today. .

utterance: Can I start by getting your your full name?

utterance: Yes. Carlos and last name is Mota.

utterance: could you spell that for me please?

utterance: Last name M O T A.

utterance: OK great. OK and can I also get your birthday Carlos?

utterance: Oh sure. It's three twenty-six ninety-four.

utterance: Three twenty-six ninety-four?

utterance: Yes.

utterance: OK let me pull up your account so I can get a check on your quick liquidity ratio. can I get your credit card number please?

utterance: It's four seven eight one eight eight four seven three three two one nine six five one.

utterance: OK and that is four seven eight one eight eight four seven three three two one nine six five one.

utterance: Yes.

utterance: OK great and before we proceed I just need to go ahead and get some information for the security of your account.

utterance: OK yeah whatever you need to know.

utterance: OK can I get your PIN?

utterance: Yeah it's five eight three.

utterance: Five eight three. OK and I'm just gonna ask you a few security questions.

utterance: OK.

utterance: What street did you grow up on?

utterance: Apple Street.

utterance: Apple Street?

utterance: Yup.

utterance: OK. And what was the name of your childhood pet?

utterance: his name was Ronnie.

utterance: Ronnie and is that Ronnie?

utterance: Yes.

utterance: OK. OK great. Thank you for verifying that for me. I am pulling up your account right now.

utterance: Thank you. Thank you.

utterance: OK so I'm in your account and today you wanted to check on the quick liquidity ratio?

utterance: Yeah that would be. Yup.

utterance: OK just give me one moment to pull that up. OK I'm in your account and it looks like this year your ratio is point four eight.

utterance: OK. That that's pretty good right?

utterance: Mhm.

utterance: OK yeah all right. so what kinda loan do you think I could get with this?

utterance: I think you would first want to look at your net income cuz that helps us get a better idea of actually your financial standing. So what I can do is I can go ahead and give you that number right now. If you'd like to know that.

utterance: Hold on let me let me. Hold on. Let me get something to write this down with.

utterance: Of course. Take your time.

utterance: Did I misplace my my little notebook. I have like this little blue notebook that I write all my stuff in. And like I have another like a yellow notebook but I haven't started using that one yet and like I don't want to break that one in because like as soon as I start writing in that one my my blue notebook is probably gonna pop up. And then I'm gonna have like this blue and this yellow notebook and you know what I'm saying?

utterance: Yeah that's definitely understandable.

utterance: great. all right hold on. No I I I found the blue notebook I found the OK .

utterance: OK so I'm gonna take a look right now. It looks like for this year your net income was four hundred thousand.

utterance: OK yeah. That makes sense. All right.

utterance: OK so what you can do going forward is you can use our online calculator to put in your information such as your net income and it'll give you a good idea of what you're looking at being approved for.

utterance: OK so I'm gonna input it right now. I mean I already have it. OK great. website's really really easy to use I like that.

utterance: Yeah we've heard that it's pretty user friendly.

utterance: Yeah OK.

utterance: So did you want to go ahead and put in an application today?

utterance: No. Let me just let me just look over the numbers a little bit more on my own and then I'm gonna submit online. And then if I have any more questions I'll reach back out. But you've been super helpful. I I really appreciate.

utterance: Thank you.

utterance: All your assistance today.

utterance: Happy to help. Was there anything else I can help you with?

utterance: No that that's it.

utterance: OK well you have a good day then.

utterance: OK you you have a wonderful day as well.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank. My name is Natasha. How can I help you today?

utterance: hi. I'm calling to get the yield on my treasury bond. Can you help me with that?

utterance: I can certainly help you with that sir. But first I'll need to get a little bit of information from you so I can look up that in the in your account.

utterance: All right.

utterance: All right. All right sir. First of all I'm going to need your first name please.

utterance: Yeah. First name is Gabriel.

utterance: All right sir. I will also need your last name as well.

utterance: Yes. My name is Robinson.

utterance: All right. Thank you Mr. Robinson. And could you give me your date of birth please?

utterance: Yes. My date of birth is ten twenty-four one nine seven four.

utterance: All right. You said October twenty-fourth nineteen seventy-four. Is that correct?

utterance: Yes.

utterance: All right. Thank you so much for that sir. And lastly, I would need the PIN on this account please.

utterance: Hold on please. I don't have it memorized. I got it written down somewhere on a piece of card.

utterance: All right sir. Just take your time. I'll be right here waiting.

utterance: OK. Shouldn't take that long. All right. I found it.

utterance: All right sir. Go right ahead.

utterance: It's four four nine five four nine.

utterance: OK. Again sir, that number is four four nine five four nine?

utterance: Correct.

utterance: All right. Thank you so much. And you wanted the yield on your treasury bond?

utterance: Yes.

utterance: could you give me the bond time period please?

utterance: the bond time period three months.

utterance: All right. You like the yield on a three month bond?

utterance: Yes.

utterance: OK sir. Currently it looks like that bond yield percentage is one point five percent.

utterance: Oh. OK.

utterance: All right. And since the the amount is the return over its lifetime, that's actually yielding a pretty pretty good amount over time.

utterance: Oh OK. Sounds good.

utterance: That can fluctuate.

utterance: So.

utterance: OK. That sounds nice.

utterance: Is there an additional bond period you would like to know about today, sir?

utterance: Matter of fact, I will. If you have the time?

utterance: Yes sir. I got all the time for you.

utterance: how about the two years?

utterance: All right sir. Let me look that up right quick. OK sir. It looks like the two year bond period is actually pretty is a. Good insignificant right now. It's actually about three percent. So, that's actually a very good bond period to to have on file for you.

utterance: OK. That that sounds great too. can I ask you another one?

utterance: Yes sir. I'm right here waiting.

utterance: Yeah, this is gonna. This is gonna be seven years.

utterance: All right sir. Give me just one moment while I look that one up as well. All right, the seven year bond yield looks it's actually it's doing pretty well right now at a five percent yield.

utterance: OK.

utterance: is there anything else I can help you with today sir?

utterance: is there any way I look this myself?

utterance: Yes sir. We actually offer this information online at our main website. It's at Intellibank dot com. If you have online banking you can actually access this right our of your banking account your personal banking account site. You can go online. Go through your personal banking site. You can actually use that on a app as well. You would be able to go in there, check out bond yields for any period you would like from one month to thirty years if you would like.

utterance: Oh OK. That sound good.

utterance: We also offer additional information online and you can pay your credit card, purchase stock market orders and you can actually get a stock quote if you wouldn't if you would like to.

utterance: Oh OK. That's that's good. Sounds very great there.

utterance: Yes sir. You can also call us any time. We're here day or night, so we're here and we're ready and available to give you that information if you would like to do that as well.

utterance: I can call any time?

utterance: Yes sir. We're open twenty-four hours.

utterance: OK. OK. OK, that sounds great. And I will definitely be calling back.

utterance: OK sir. Thank you so much Mr. Robinson and if that's all for you today?

utterance: Yeah, that's. That's about it.

utterance: All right. Well thank you so much for giving us a call today. Again, my name was Natasha. I hope that you enjoy the rest of your day sir.

utterance: Thank you Natasha.

utterance: Thank you so much sir. Goodbye bye.

utterance: Bye bye.


utterance: Hi this is Jess Jones at Intellibanking. What can I do for you today?

utterance: Hi Jess. this is Jess Black and I would like to get a little information on this flyer that I got here. yeah interested in in speaking with a rep.

utterance: Of course and are you speaking about our tax incentive flyer?

utterance: I am speaking about the tax incentive flyer. is this for business business services?

utterance: Yes.

utterance: OK and then how long do I have to be in business to be qualified for this program?

utterance: for any amount of time.

utterance: K.

utterance: So did you want me to help you go ahead and schedule an appointment with one of our tech specialists?

utterance: Well does the business have to be up and running?

utterance: as long as you have a business account with us you should be good to go.

utterance: Do I need an EIN?

utterance: No.

utterance: LLC?

utterance: No we can help you with all those things.

utterance: business address? PO Box?

utterance: no.

utterance: OK. Nothing?

utterance: No you don't. You don't need any of those things. Just as long as you have a business account with us.

utterance: Website?

utterance: Well I'm

utterance: Just trying to see how credible you all are. I mean, right? A business card or something, right? Any any Joe Blow can sign up for this company?

utterance: as long as you have a business account.

utterance: OK that's fine I guess.

utterance: OK so would you want me to go ahead and help you schedule that?

utterance: Sure.

utterance: OK great. So I'm gonna start by getting your full name.

utterance: OK. I am ready when you are.

utterance: Yeah. oh you you said full name?

utterance: Yes.

utterance: Jess Jess Jess Black.

utterance: Jess Black? OK. And.

utterance: We actually

utterance: Share the first

utterance: We do. We do. And is that Black B L A C K?

utterance: First name.

utterance: It's B L A C K E H and the E H is silent.

utterance: OK great. I got you in the system. OK So I'm gonna go ahead and pull up your account. can you provide your credit card information please?

utterance: One second. Ready when you are and I have a four four two seven Excuse me I sneezed. Excuse me one second.

utterance: Oh bless you.

utterance: Four four two seven five six two zero. Allergies are killing me. one three three four. Six four nine nine.

utterance: OK and just to verify that was four four two seven five six two zero one three three four six four nine nine?

utterance: Correct.

utterance: OK so before we can proceed any further I need to just ask you a few security questions for your account.

utterance: OK.

utterance: Can I start by getting your PIN number please?

utterance: Yeah absolutely. It's twenty-four ninety-nine.

utterance: OK, great.

utterance: And you answered a few security questions when you set up your account. I'm gonna go ahead and ask you those now.

utterance: OK.

utterance: OK, what sport did you play in high school?

utterance: Football.

utterance: Football. OK great. And what city did you meet your spouse?

utterance: Football.

utterance: We met in New York City.

utterance: New York. OK great. Thank you for v~.

utterance: Mhm.

utterance: The big apple.

utterance: Have you ever been?

utterance: No I haven't.

utterance: You've never been to New York?

utterance: I've never but hopefully one day.

utterance: Oh Jess we got to get you out. It's great. Greatest city in the world.

utterance: OK. Hopefully in the future.

utterance: Yeah.

utterance: Well thank you so much for verifying that information for me. I was able to pull up your account.

utterance: OK.

utterance: OK let me open the scheduler so that we can get you meeting with one of our financial advisors and a tax specialist.

utterance: OK.

utterance: And and just so I guess you're kinda directed in the right way I'm starting the food service. crackers actually. and in our first year we were very successful. we did over a hundred and fifty thousand dollars revenue.

utterance: Oh congratulations.

utterance: Yeah it's

utterance: For crackers. Would you believe it? it's. Yeah it's extraordinary and I almost thought about going into like the sock business. So super thankful and so yeah I guess my. It OK it's food. I could still like you know? There's no regulations on food businesses or anything right? Do I do I need to bring any extra documents or anything?

utterance: our tax specialist should be able to help you with every document that you need.

utterance: Got it. Jumping the gun sorry.

utterance: No you're totally fine. Is there a specific day and time that you wanted to have this meeting?

utterance: Monday at noon would

utterance: OK.

utterance: Let me check in our system. OK you are in luck. It looks like we do have availability on Monday at noon. Would you like to have that conversation online or in person?

utterance: We can do online.

utterance: OK and what's the best email to reach you at?

utterance: Are you ready?

utterance: Yes.

utterance: It's gonna be Blackeh. B L A C K E H. The the E H is silent.

utterance: Mhm.

utterance: At cracker city dot com.

utterance: OK. I got that in the system and you're all set to go. So be on the lookout from an email for us.

utterance: OK.

utterance: Is there anything else we can help you out with?

utterance: No that that's that's it right there.

utterance: OK you have a lovely day.

utterance: Thank you. You as well.


utterance: Intellibank, this is Gina, how can I help you?

utterance: Hey Gina. How you doing today?

utterance: I'm doing pretty good, how about yourself?

utterance: I'm doing good, just a little confused so I'm a banking customer of yours, naturally both personal and business.

utterance: Mhm.

utterance: And I got a letter in the mail about my business account I guess it was kinda giving me a heads up that there's been a lot of usage.

utterance: Mhm.

utterance: Of my debit card at different places that were not I guess usual places that I go to, so I wanted to I was going through the charges and I could see, what the problem is so I've brought on a person who is becoming my new business partner and they've been using my debit card for the account, naturally, and they've told us about new places to get inventory and supplies and stuff, so they've been using the card going there so I just wanted to give you guys a heads up and is there anything I should do now that I'm bringing this business partner on board?

utterance: Yes. actually that is awesome that you called, thank you. so we'll just mark it on your account that, you have this new business partner and he has been making more purchases than normal at different spots, we can totally put that on your account this way we know that it's legit.

utterance: OK.

utterance: So, what is your account number?

utterance: the let me get that for you, hang on a second.

utterance: Sure, take your time.

utterance: OK. the account number for for my business account is, oh nine.

utterance: OK.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: OK. perfect. OK, and what is your name?

utterance: it's Albert Gregory.

utterance: OK Mr. Gregory, OK yeah, so I see here's your account, so I'm gonna just put a note in your account about that. And what is your business partner's name?

utterance: His name is Joe Simmons.

utterance: OK. is that S I M M O N S?

utterance: Yes it is.

utterance: OK. All right let me just note the account OK. All right. So it's all noted on there, so this way you won't have to get anymore notices and we know that, what's going on, you know we just wanna protect your account we wanna make sure it's not.

utterance: Right.

utterance: I appreciate that.

utterance: Being

utterance: falsely used, you know we're concerned about that. so is there anything else I can help you with today or?

utterance: Well, is there anything, is there any special agreement I would need to do or anything to bring him onto the account?

utterance: yeah, actually might I suggest, like you can get you can notarize certain documents. we have a notary.

utterance: OK.

utterance: A few, you know, a bunch of notaries, obviously, at our different branches but they can like certify contracts, they can actually certify deeds, or they can even, like, draw up documents.

utterance: OK.

utterance: For you and your new partner. Absolutely.

utterance: So.

utterance: So I guess they will be able to you know help us draw up contracts and documents making him an official partner and this way I would be in turn, be able to also put him on the bank account and get him his own debit card for our account.

utterance: Yes!

utterance: Mhm.

utterance: Yes.

utterance: OK.

utterance: Absolutely, we can do that. We can totally get you setup with an appointment is it something that you guys would wanna do in person? set up an appointment in person, do you wanna do a Zoom?

utterance: No yeah let's let's do it in person, because this way yeah, I mean, we would have to sign the paperwork anyway, so, and there's a location right by our our spot, so that would be perfect.

utterance: Yeah.

utterance: OK.

utterance: Yeah.

utterance: OK. So you know the branch location that you wanna go to?

utterance: Yes, I do.

utterance: OK. What what is your address?

utterance: the address is, three thirty-one.

utterance: Mhm.

utterance: Wilson Drive.

utterance: OK, so you're gonna be going what is the branch do you know the branch address or do you need me to send it to you? You know exactly where to go?

utterance: Yeah, I I know, yeah. I don't know the address off hand I just know where it's at.

utterance: OK. You know where to go.

utterance: So let me just see.

utterance: I'm gonna look up the address so I can see who's a notary there, OK. so is is it the branch on Woodlawn?

utterance: Yes, that's the one. Yep.

utterance: OK.

utterance: OK, so Woodlawn. So let's see who we have there, and what is the date that you guys would like to

utterance: actually you know, tomorrow or the following day, day, the sooner the better, let's get this

utterance: OK. I think we have something on the tenth could you do the tenth?

utterance: OK.

utterance: So November tenth we have an eleven a.m. we have a one p.m. and a three p.m.

utterance: let's do three p.m..

utterance: OK, so we're gonna do three p.m. on November tenth with George. George is really awesome.

utterance: OK.

utterance: all right, so three p.m. November tenth with George. And, I'm just gonna send over the confirmation to you. What is your email?

utterance: it's Al.

utterance: Mhm.

utterance: Gregory.

utterance: OK.

utterance: Nineteen eighty.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK Mr. Gregory. OK, so I sent that over, the confirmation, you know, I know you know the location but all that is in there.

utterance: OK.

utterance: And while I have you on the phone Mr. Gregory, anything else I can help you with?

utterance: No. That that seems to be everything.

utterance: OK. Well you have a great weekend and thank you for calling.

utterance: Thank you so much. You too.

utterance: Bye bye.


utterance: Hi, this is Beth Park at Intellibank. How can I help you today?

utterance: Hi Beth, this is Orel, how are you?

utterance: I'm great, thank you for asking. How are you today?

utterance: I'm good, OK, I yeah, so I have, I have an account with you, and yeah, I've, I've had an account with you for about three years, and I, well I have several accounts with other banks too but I would say really enjoying banking with Intellibank. You guys are very professional, and very helpful, and yeah, it's kinda always, it it's, it's it's typically a pleasure dealing with you.

utterance: Oh well, I'm glad to hear that. We do strive to give the best customer support in the market.

utterance: Yeah, no, so I I definitely have you helped me before? You sound really familiar.

utterance: what was your name?

utterance: My name is Orel.

utterance: I'm. I don't think so.

utterance: Orel Mortar?

utterance: No?

utterance: But I'm happy to help you today.

utterance: You got

utterance: Just a very familiar voice. I, do you get that a lot?

utterance: Yes, I actually do. I, I'm not sure why?

utterance: do you do

utterance: Do you do voiceover work? Are you on the radio?

utterance: I actually do do voiceover work, it's a little bit embarrassing.

utterance: Yeah? Where?

utterance: You're not the late night DJ are you?

utterance: I, I am

utterance: The late night DJ. Yeah.

utterance: You are? Oh

utterance: Man, you do have such a good like eighties mix. Oh my god.

utterance: Thank

utterance: You.

utterance: Yeah, I actually, that well, so I called in one time and, and I won, I won some tickets from you.

utterance: Oh wow, small world.

utterance: Yeah to to an ACDC.

utterance: Concert.

utterance: Oh amazing. I love ACDC.

utterance: Yeah.

utterance: And it was like round my birthday so it was such a gift.

utterance: Oh that's amazing. Well it's good to hear from you.

utterance: Yeah. A~.

utterance: Yeah, no, great to hear from you again. Yeah, that's amazing. OK, well thank you for, for answering this call so essentially I I have a business account with y'all and I'm just looking to, I, I wanna confirm with my, like the loan balance that I have due right now cuz I know it's coming up and I can't like access my account online. I think my computer is just glitching. Could you help me just pull up that account and then Yeah. Yeah.

utterance: OK.

utterance: OK.

utterance: Yes. Yes I'd

utterance: Be happy to help you do that.

utterance: Thank you

utterance: So much.

utterance: Of course, can I start by getting your full name and your date of birth please?

utterance: Absolutely, so yes, so it's Orel, O R E L.

utterance: O R E L. OK.

utterance: And

utterance: And then last name is Mortar.

utterance: OK, and your date of birth?

utterance: Date of birth is ten, two, eighty-two.

utterance: Ten, two, eighty-two. OK, and what's your PIN number?

utterance: My PIN number is zero six five five.

utterance: Zero six five five. OK great. Thank you for verifying that information for me. I am able to pull up your account so gimme just one moment please.

utterance: OK Orel, I do have your info in front of me.

utterance: You found it?

utterance: Yes, you said you wanted to go ahead and check a loan balance right?

utterance: yeah actually.

utterance: OK, can I start by getting your loan account number?

utterance: is that is that the, the seven digit number?

utterance: Yes.

utterance: OK, that's three five, eight one, zero zero eight.

utterance: OK, three five eight one, zero zero eight. OK great, gimme just one second to look that up for you.

utterance: Right.

utterance: Great. Is it coming up?

utterance: Yes, so it looks like your current balance is four thousand, three hundred, and twenty-nine dollars.

utterance: OK.

utterance: Is it? OK, and that, that's for my loan balance right?

utterance: Yes.

utterance: Great, and

utterance: Did

utterance: You want us to go ahead and email that to you?

utterance: Could you? What, what, what email do you have on file?

utterance: Yes.

utterance: I have Orel loves little trucks at Gmail dot com.

utterance: That, that's still the one. I, I still, yeah, I just recently got a little truck and added to my collection, and it's like like the biggest little truck I own but it's, it's freaking really cool, like I sometimes like pretend like I'm like really tiny and I ride round in this truck.

utterance: Oh wow.

utterance: Like I obviously

utterance: Don't like, it it's just one for me like, get in the truck, but you know.

utterance: Well congratulations. OK, so I did go ahead and send that to that email. Is there anything else I can help you out with today?

utterance: Yeah.

utterance: no, I don't think, actually, no, I have one more thing. I'd like to pay my credit card.

utterance: OK, yeah, I can go ahead and do that.

utterance: Oh, and if I pay it with you right now, like with, when would the payment post cuz I think it's due, I think it's due today so it's like, if I don't, if it doesn't go through today, like I think I might get.

utterance: Yeah. As long as.

utterance: It'll, it will go through today because you called before two p.m..

utterance: OK, perfect, so yeah, let's go ahead and, and do that.

utterance: OK, can I get the credit card number please?

utterance: The credit card number is seven three four one, one five two six, zero zero eight zero, five four two nine.

utterance: OK great, and what payment amount did you wanna make? Just the same that you've been doing, the two hundred and fifty?

utterance: Mm, yeah, I'm actually I'd like to pay it all off actually.

utterance: Ok, great, so, it looks like you're looking at one thousand, two hundred and fifty.

utterance: Yeah, let's just go ahead and, and clear that.

utterance: OK, and what's the payment bank account number and the routing number that you want the money to come out of?

utterance: So it's actually gonna it's me, my Chase bank, and my Chase bank account checkings account and it's three four eight, two seven nine, one one zero nine.

utterance: OK.

utterance: OK, and the routing number?

utterance: The routing number, yeah that's five five four three two one.

utterance: Five five four three two one. OK great, and you said today?

utterance: Yes.

utterance: OK, I did go ahead and handle that for you. You should be receiving an email from us shortly. Is there anything else I can do for you today?

utterance: No, you have super helpful.

utterance: OK, have a lovely day.

utterance: Thank you.


utterance: Hello, and thank you for calling Intellibank.

utterance: My name is Pierre, may I help you?

utterance: Hey Pierre, I I sure hope you can help me, I'm looking for some help today. I I I'm looking to see if I can update my PIN number for my ATM card. I have been using the same PIN for absolutely everything. My phone my home alarm system and my ATM card and I've I've read some things that I probably shouldn't be doing that so, thought I'd give you guys a ring and see if I can change the pin.

utterance: yes thank you for calling sir, I do think it's a wise idea to periodically change your PINs so be happy to help with that. can I first get your last name?

utterance: yeah, it's Jones.

utterance: Jones, OK Mr. Jones.

utterance: And could I have done this online?

utterance: yes.

utterance: Did I have to

utterance: Bother you guys with this, could I have just logged in online and done this?

utterance: well actually yes sir there is a way you could do this online in the future if you like, but it's not bothering us it's we're happy to help. Part of our job, most people change it by calling in but if you next time you you want to change it, if you want to try it out online, there is the capability of doing that and it might make your wait time a little less. So be happy to help you with that as well.

utterance: For an added security, if there's a branch nearby could I just go into the branch and do it?

utterance: Yes sir, you could also do that as well. that's usually most cases probably the slowest way just because there's usually a line in most banks and at most times and for something that is really not that much to do with like a transaction that you really need to devote that time for, it might be something you can do either by calling us or by going on your app, or on the website.

utterance: Yeah my wife suggested that I do it online, but I'm just I'm worried about computers and putting my ATM code in the computer. It just don't love the idea of that, you know. That's why I'd rather do it the old fashioned way of face to face or over the phone, if you know what I mean.

utterance: Oh absolutely, it's no problem for us either Mr. Jones.

utterance: Great, let's go ahead and do it let's change this thing.

utterance: All right, absolutely. Can I also get your first name?

utterance: Oh yes It is Brian.

utterance: As it is on

utterance: The account.

utterance: OK Brian Jones thank you Mr. Jones.

utterance: Can you give me your account PIN which is different, or it might be the same but is the one you use for your account?

utterance: Yeah it it actually is the same unfortunately it's forty-seven fifty-two.

utterance: OK, let's see.

utterance: All right, yes that's correct and I do have one more security question, this last one just your date of birth.

utterance: Oh it's eight fifteen seven.

utterance: All right, excellent thank you. And which debit card do do you have more than one debit card or is it is this your only one?

utterance: Oh just the one.

utterance: OK, excellent so it's to your business checking I see?

utterance: That's right, yes.

utterance: OK, great. so what we can do is I'm going to need you to tell me your old PIN number, which you've already done but I I've I hear so many PIN numbers each day I don't really focus on it so

utterance: nor should you, you shouldn't be remembering peoples PIN numbers. It it's forty-seven twenty-six.

utterance: So

utterance: OK, Great.

utterance: Yes, it's it's OK great. So what I'm going to do on my end is I'm going to allow it so that instead of telling me you can secretly type it in on your keypad on your phone and then I'm going to ask you to do it again, and then your PIN will be adjusted at that point.

utterance: Great.

utterance: Oh fantastic all right. And just four digits like the last one?

utterance: yes sir.

utterance: OK.

utterance: Let's see here all right, there we go it's punched in.

utterance: Great so now if you could just do it one more time.

utterance: All right there you go.

utterance: Excellent.

utterance: so now it is set to your new number so write it down or make a note, or just remember and you can use that until you decide you wanna change it again.

utterance: Great that was super easy, thank you for the help.

utterance: No problem, and is there anything else I can help you with today Mr. Jones?

utterance: That'll be all today, thank you.

utterance: No problem thank you for being a valued member of Intellibank and have an awesome day.

utterance: You too.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


utterance: Hi this is Dani Brooks with Intellibanking, how can I help you today?

utterance: Hi this is Mack Jones.

utterance: Hi Mack.

utterance: How you doing?

utterance: I'm good, how are you?

utterance: I'm all right, could be better.

utterance: Oh I'm sorry to hear that, how can I help you today?

utterance: It's all right.

utterance: I reason reason for my call is cuz I I applied for a a platinum card and I I got turned down and so I need to know my what my net net income is.

utterance: OK I can go ahead and pull that up for you. Can I start by getting your full name?

utterance: Yeah so Mack M A C K and then Jones.

utterance: OK and what's your birthday Mack?

utterance: I was born in August third nineteen seventy-eight.

utterance: OK August third nineteen eight.

utterance: That's right.

utterance: OK.

utterance: can I go ahead and get your credit card number please?

utterance: one second please oh oh I think it's in my my other wallet, hold on all right all right I got it I got it all right so it's four four eight four nine nine five six four three two one nine seven four zero.

utterance: Seven four zero?

utterance: Yeah.

utterance: OK so, it's four four eight four nine nine five six four three two one nine seven four zero.

utterance: That's right.

utterance: OK great.

utterance: Where where you from? I I I hear an accent. Where where you from?

utterance: Oh I'm actually from LA.

utterance: Oh you're from LA? Oh OK you sunny out there?

utterance: Yeah it's a it's a pretty nice day today.

utterance: Hollywood huh, a lot a lot of stars out there and stuff you know?

utterance: Yes. can I go ahead and get your birthday?

utterance: Oh.

utterance: Oh sorry I already got your birthday, my my bad. I do need to go ahead and verify some account information before I can pull up your account.

utterance: Whatever you need.

utterance: OK.

utterance: And can I get the last four digits of your social security number?

utterance: Yeah.

utterance: It's nine six four zero.

utterance: Nine six four zero.

utterance: OK and you may recall when you set up an account that you put in some security questions, so I'm gonna go ahead and just ask you those now.

utterance: All right.

utterance: OK.

utterance: What is your favorite food?

utterance: I mean I like I I think I I think I mean I think I put down pasta, I like a lot of pasta you know. Maybe Italian I put it was like Italian or pasta.

utterance: I I mean I I mean I love Olive Garden, maybe maybe I put down Olive Garden.

utterance: OK let me see, one moment.

utterance: Have you ever been Olive Garden? They got really good like, you know soup bowls.

utterance: No, I haven't been I haven't been, unfortunately.

utterance: No?

utterance: That's pretty good.

utterance: Yeah, and you probably have an Olive Garden down in LA.

utterance: probably somewhere.

utterance: so yes Olive Garden was the answer.

utterance: Is.

utterance: It right.

utterance: OK and the next question is who's your favorite singer?

utterance: my favorite singer?

utterance: Mhm.

utterance: I'm a big fan Tupac Shakur.

utterance: OK.

utterance: Uh-huh and the final question is what was your childhood pets name?

utterance: Horsey.

utterance: Horsey?

utterance: Horsey the horse.

utterance: Ok, yep.

utterance: But it was my dog. Horsey the horse was my dog though.

utterance: Oh, OK yes that that that was the answer.

utterance: Yes.

utterance: Great.

utterance: OK so I'm gonna pull up your account right now.

utterance: Just one moment.

utterance: OK, I'm in your account and you said you wanted to check your net income?

utterance: Net income.

utterance: OK so let me pull up this years OK so it says that your income this year was twenty thousand?

utterance: Twenty thousand, I mean yeah I think it was twenty thousand, that makes sense.

utterance: So OK so if I got denied from from you know for this card when can I apply again?

utterance: you can apply you know as soon as you want there's no limit to how many times you can apply.

utterance: But we do advise our customers that have been denied to you know check in with their financial standing, because there's really no point in applying again just to get denied if nothing has changed. Because you don't want that to have a negative impact on your credit score.

utterance: That makes sense.

utterance: OK so I'll just I'll give it some time and then and then and then we'll try it again.

utterance: Great and whenever you're ready to try again we'd be happy to help you.

utterance: Well all right, thank you for your help.

utterance: Thank you, is there anything else I can help you with?

utterance: No, thank you.

utterance: OK, have a good day.

utterance: All right.


utterance: Hi this is Jess Jones at Intellibanking. How can I help you?

utterance: Hi, Jess I received a little, I guess your little special program that you have going on til the end of the month?

utterance: OK so we are sending out flyers for our advisory program. So it sounds like looking to speak with one of our risk specialists?

utterance: Mm yeah, yes, yes, yes, yes.

utterance: OK great I can go ahead and get you set up with that. would. Is that something you wanna go forward with?

utterance: Yeah absolutely. I mean so my, my company that I'm calling for I'm calling for. I have this program for abs. OK. It's, it's a business for abs. Just specifically abs. And, you know, a lot of people are taking my videos and my things and they're putting in online so I just kinda wanna I wanna have some record on file of what what I'm doing. I've never filed taxes before. I've never done any type of loans, any type of anything. kind of starting super fresh but I'm super excited. Like everything is going phenomenal. I mean people are coming in with four packs and leaving with eight packs. Coming in with two packs, leaving with six pack. Coming in with no packs, leaving with two packs. Like it's just growth no matter what, you know? So yeah so so I'm excited and the program looks really cool. I would say like Yeah if you could sign me up with someone like maybe today or tomorrow and we can kinda get this ball rolling.

utterance: Oh of course.

utterance: Oh congratulations.

utterance: OK yeah I'd be happy to help you with that. Can I start by getting your full name please?

utterance: Yeah let me know when you're ready.

utterance: I'm ready.

utterance: Ricco Sullivan.

utterance: OK and is that Sullivan with two Ls?

utterance: It sure is.

utterance: OK great. OK. And so I'm gonna go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: Yeah one second. give me about one minute. I'm gonna run to the car really quick in the garage and I left my wallet in the glove compartment.

utterance: Of course. Take your time.

utterance: OK. Be right back

utterance: Hello?

utterance: Yes.

utterance: OK so mm right I am back.

utterance: OK I am ready whenever you are.

utterance: All righty. We have five five three eight two eight nine two six four six five three three three nine.

utterance: OK and just to clarify that was five five three eight two eight nine two six four six five three three three nine.

utterance: Correct.

utterance: OK great so before we can proceed, I'm gonna ask you a few security questions for your account.

utterance: That's fine.

utterance: OK great can I start by getting your pin number please.

utterance: Yes it's gonna be two two four four.

utterance: Two two four four. OK and when you set up your account, you answered some security questions. I'm gonna go ahead and ask those now.

utterance: Mhm.

utterance: OK.

utterance: OK. What instrument do you play?

utterance: I play the saxophone. but I believe for this program I put the. Let me see. try guitar.

utterance: OK let's see. OK yes guitar. And for your second question.

utterance: Do you play any music?

utterance: unfortunately no. I'm not too musically gifted.

utterance: Really?

utterance: Yes.

utterance: Well, I'm sorry to hear that. Do you like listening to.

utterance: Yes I do. I love listening to music.

utterance: What's your favorite instrument? To listen to?

utterance: probably guitar.

utterance: Really?

utterance: Mhm.

utterance: OK, Nice.

utterance: Big fan of the singer songwriter.

utterance: Yeah?

utterance: Mhm.

utterance: OK, I gotcha, I gotcha.

utterance: OK and so for your second questions it's what street did you grow up on?

utterance: I grew up on Grove Street. G R O V E Street.

utterance: OK. Thank you for verifying that information for me. I was able to pull up your account.

utterance: OK.

utterance: OK so I'm. I'm in the scheduler right now. What day and time were you hoping to speak with someone?

utterance: Monday at eleven a.m. would be ideal.

utterance: OK let me see. Let me check Monday. OK actually we do have an appointment at eleven a.m.. Did you wanna go ahead and schedule that?

utterance: Yes.

utterance: OK and were you hoping to have that online or in person?

utterance: in person. ZIP code's gonna be nine five five four.

utterance: OK.

utterance: OK great and so that's gonna be our North Castle branch.

utterance: Got it.

utterance: So you are all set. All you need to do is show up with your ID and let the receptionist know that you have an appointment already scheduled.

utterance: OK. Thank you very much. I appreciate it.

utterance: OK. Can I help you with anything else?

utterance: no that's it.

utterance: OK you have a lovely day.

utterance: OK thank you. You too.


utterance: Thank you for calling Intellibank. This is Jason. How may I help you today?

utterance: Hi Jason, I'm looking to open up a new credit card for my business account and I was also curious you guys do like stocks here?

utterance: yeah, absolutely I can look up any stock that you need.

utterance: Great.

utterance: so to start off I'm gonna need to pull up your account and to do that I'm going to need your full first and last name as it appears on your Intellibank account.

utterance: Yeah, it's Amber Hull H U L L.

utterance: All right and what is your date of birth?

utterance: It's October second nineteen ninety-two

utterance: And what is your six digit account number?

utterance: It should be five eight one seven six. Six. Sorry, that was only five digits.

utterance: Oh. No, no no problem at all.

utterance: And what is your four digit security PIN?

utterance: Six three four six.

utterance: All right.

utterance: are there there multiple credit card options?

utterance: Yeah, we have our Intellibank business our gold our silver and our platinum.

utterance: OK, what's the are there like fees for any of them?

utterance: no, no fees.

utterance: Oh, OK. Do I have to like qualify for the platinum?

utterance: yes, you do and we can answer that in seven to excuse me seven to ten business days.

utterance: Oh, I see so it's just one application and then they tell you what you're eligible for?

utterance: Yeah.

utterance: Got it.

utterance: OK. I believe I got your email address.

utterance: Yeah do you need it still?

utterance: Yes.

utterance: It is Amber Hull at Hotmail dot com.

utterance: And what's that name of your business?

utterance: It's just my name right now.

utterance: And are you the sole owner?

utterance: Yeah.

utterance: And when was your business established?

utterance: I wanna say the day I was born but I started paying taxes on June first of two thousand thirteen.

utterance: And what are your gross annual sales?

utterance: it really varies but last year it was about fifty-four thousand.

utterance: All right. And what is your tax ID number?

utterance: seven zero one two seven zero nine seven zero.

utterance: OK. Hold on just a moment while my system loads here.

utterance: Yeah, no worries. Do you Are you like pretty involved in like the stock market?

utterance: Not at all.

utterance: Mm.

utterance: How about yourself?

utterance: No, but I really wanna get to know about it. You know it just it seems like that's where all the money-making is and I would rather not have to work and just like let my money work for me.

utterance: Mm. Completely understandable.

utterance: Yeah. Do you feel. Do you like your job?

utterance: no.

utterance: Oh are you allowed to say that?

utterance: yeah, as long as they're not recording this call for quality control and I don't believe they are.

utterance: OK.

utterance: OK, well that is all set there. You will receive an answer by mail in seven to ten business days. Is there anything else I can help you with?

utterance: Yeah, can you tell me about these stock prices?

utterance: Sure which stock would you like to know the price of?

utterance: I guess I heard that like Apple is pretty popular.

utterance: Yeah, let me see what Apple is at. Hold on one moment. OK, it looks like Apple at is at five hundred ninety-two dollars and thirty-six cents.

utterance: Wow.

utterance: Is there anything else I can check for you today?

utterance: No, I don't think so. Thank you.

utterance: All right, well thank you for calling Intellibank and you have an absolutely wonderful rest of your day.


utterance: Intellibank, this is April. How can I help you?

utterance: Hey, April. How you doing this fine evening?

utterance: I am doing so well. It was such a great day. And the fall is here and I'm babbling and I'm sorry. How can I help you?

utterance: No, ba~

utterance: Babble on. Babble on. so OK. So I was having a fine day and then I went to go sit down and behind my desk.

utterance: Mhm.

utterance: To start going through paperwork, mail, et cetera, et cetera. To go through my my monthly bank statements for both my personal and business account which I have both through Intellibank.

utterance: Mhm.

utterance: And I realized my cleaning people threw my mail out.

utterance: Oh, no.

utterance: Yeah. So

utterance: I'm a little

utterance: Lost. A little perplexed. I'm a little confused. I don't know why they would throw. You know, I I mean, I had a pile of papers and they must have just.

utterance: Are you sure they threw them out? Maybe they just put them somewhere that you don't know. Like did you speak to them?

utterance: They said they they think they were thrown out by mistake.

utterance: Oh, no.

utterance: Yeah. So maybe they are somewhere else

utterance: Oh no.

utterance: Is it things that are on like irreplaceable? Can.

utterance: No no. it was just mail, it's just it's just the the fact that you know. It's like almost a weeks worth of mail like I let the mail build up. Because any more you know, come on, let's be serious. What really comes in the mail that's important anymore? Not much.

utterance: OK.

utterance: Mhm true.

utterance: So I let it build up and there was a pile and it was starting to overflow I guess, a little too much. and when they came through last night to do their cleaning of our warehouse and office.

utterance: Mm.

utterance: Mhm.

utterance: They must have just saw the pile and figured it was trash. Cuz now the pile is not here and it was a neat area again and I am missing a lot of mail so.

utterance: Oh no.

utterance: Yeah, I know. I remember seeing the envelopes from the bank and you can tell cuz they're a little bit thicker than normal. So I figured that was the, you know, the bank statements.

utterance: Right.

utterance: Mhm.

utterance: So I was wondering if there was anyway, by chance, I could talk to you or whoever and get you know this month's bank statement either resent or emailed out to me.

utterance: Mhm. OK. You want your bank the just your bank statement. Anything else?

utterance: you know what. I'm I'm gonna need my loan statements as well.

utterance: OK.

utterance: For the month cuz like like I said, everything that was sent this week, it's just. It's all gone.

utterance: OK. No problem. let's start with your first and last name.

utterance: my name is Fred.

utterance: OK.

utterance: Last name is Barnes.

utterance: OK, Mr. Barnes.

utterance: OK and what's your date of birth?

utterance: July seventeenth nineteen eighty-three.

utterance: OK. and the PIN number?

utterance: one seven eight three.

utterance: OK. and what about your social?

utterance: The social is one seven nine.

utterance: Mhm.

utterance: One one two zero seven six.

utterance: OK and what's the loan account number?

utterance: Oh. that's a good question. That I don't have on-hand. lu lu lu lu.

utterance: OK. Do you wanna take a moment?

utterance: Yeah, lemme just try to look. Yeah I mean, you can't. Tell by my social or you actually need that to verify this?

utterance: I I only have

utterance: Yeah.

utterance: I'm so sorry. It's a rule at Intellibank. We have to have the loan account number I know it's It's a. It's a technicality if you know that's just the rule. I am so sorry but if you wanna look for it. I can hold on. I'm

utterance: No I I understand

utterance: Yeah gimme

utterance: Give me. Can you me a second. I have a neater pile over here that they didn't touch. Let me just try to go through that really quick.

utterance: Absolutely. Take your time.

utterance: All right thank you.

utterance: I'm so sorry. I I I don't have it. It's not here. I can't find it.

utterance: OK.

utterance: Is there anything else I could possibly give you or tell you or?

utterance: I'm so sorry. This happens all the time and I just really need that I need the loan account number.

utterance: OK.

utterance: what you can do in the meantime is I can send you a link to set up online banking.

utterance: OK.

utterance: And then you can look it up that way.

utterance: OK. Let's try that then Yes please.

utterance: We can do that. OK.

utterance: All right. What's your email?

utterance: Fred Barnes eighty-three.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. Is the F lower case or capital? All right. So I'm gonna send this over to you. Just read over the documentation.

utterance: It's capital.

utterance: OK.

utterance: E-sign it and then it. It'll probably take about thirty minutes to get everything setup. Your welcome email and then you'll be able to go in and and check all of your statements, not just your loan statement. You can do everything on there. You can transfer money, you can setup recurrent payments. if that's. If you happen to come across the loan account number before that please give us a callback. I I have put notes on your account.

utterance: OK.

utterance: OK. Thank you.

utterance: And so the next agent will know what's happening. If you need. You know, if you can call us back. And I'm so so sorry that I couldn't help.

utterance: No, that's OK. I I totally understand. I'd I'd rather you do this way and be strict with the rules and and follow the rules to help prevent, you know, identity theft and et cetera. So no, I appreciate that. So thank you.

utterance: Yeah.

utterance: OK, Mr. Barnes. Take care. We'll talk to you soon.

utterance: You too. By~

utterance: Bye bye.


utterance: Hello. Thank you for calling Intellibank. My name is Gianna. How can I help you today?

utterance: Hi. I would like to get some information on the treasury bond yields. I might have a few to I might have a few to ask. I might have a few to ask about. Is that all right? could you also explain a little could you also explain about value of each one, please?

utterance: Yes sir. I can certainly help you look up your treasury bond yields with our with our banking facility. I can also try and explain a little bit about the value of your ratios your bond yield percentages for each bond that you request. OK?

utterance: OK.

utterance: But first sir, I'll need to get a little bit of information from you so that I can go ahead and look you up in our system and pull up those bond yields for you.

utterance: All right. That sound great.

utterance: OK. All right. Can I have your first and last name, please, sir?

utterance: Yes. My first name is Gabriel. Last name is Robinson.

utterance: All right Mr. Robinson, I'm happy to hear you today. How's your day been so far?

utterance: Been going great. How about you?

utterance: That's. I've been pretty good today, sir. Thank you very much for asking.

utterance: No problem.

utterance: All right and can I have your date of birth, please, sir?

utterance: Yes. My date of birth is ten twenty-four nineteen seventy-four.

utterance: All right, sir. That was ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: All right. Thank you so much, sir. And could you give me the pin associated with your account on file with us?

utterance: Yes. That pin I believe is four four nine five four nine.

utterance: All right, sir. You said four four nine five four nine?

utterance: Yes!

utterance: All right, sir. Thank you so much for that information. Thank you for verifying that, sir. Yes. I do have you in our account system and you have a number of bonds listed with our establishment. Would you tell me the time period you have you would like information on today?

utterance: three months.

utterance: OK, sir. So, you want the bond yield on your three month bond?

utterance: Yes, ma'am.

utterance: OK, sir. Currently, that bond is at one point two percent.

utterance: OK.

utterance: That means that you have one point two percent. You have one point two times the amount of establishment for that bond yield period. The bond yield is inversely affected by the price, so for instance, if you purchased that bond at five hundred dollars, the current yield at one percent.

utterance: OK.

utterance: It would still be valuated at five dollars interest, but if you. If the current price was, say, a hundred dollars and the yield was five percent It'd be around the same amount, so, and the price can fluctuate more with longer maturity periods, so, again, your actually meeting valuation for that bond pretty easily, but on that like if you had a ten year bond, it actually might fluctuate throughout the year percentage wise.

utterance: Yes.

utterance: OK.

utterance: All right, sir. Do you have any other bonds you would like to know about?

utterance: How about since you said. Since you said ten, can I try the seven?

utterance: Yes, sir. Your seven year bond here?

utterance: Yes.

utterance: Ok, sir. It looks like that current yield is, is currently zero point five percent.

utterance: Zero point five percent?

utterance: Yes, sir. That has fluctuated a little bit from the last year, so, that may actually valuate a little bit more over the time period for you. It looks like you purchased this bond in early twenty nineteen, so it has a long time to go before it reaches its full maturity.

utterance: OK.

utterance: Yes.

utterance: Oh, OK. All right.

utterance: OK, sir. Do you have any more bonds you'd like to know the yield period. The yield amount for?

utterance: Yes. So, is this a. Is there a difference between the seven and the three?

utterance: yes, sir. It really does depend on when you purchased it, how the price at the time of purchase, and the the current yield year, so, do you have, you have a three year bond you would like to know about?

utterance: yes. Yes. I do.

utterance: OK, sir. Lemme look your account up information, so, yes, sir, it looks like you purchased your three year bond last year so it has at least two more years before it has fully reached it's maturity date. It is currently listed at five percent.

utterance: OK.

utterance: So, that one's doing great.

utterance: OK. That's not bad.

utterance: Yes, sir. All right Mr. Robinson, is there any more yields you'd like information on?

utterance: no. That's it.

utterance: OK, sir. I'd like to let you know that you can also look this information up online if you're one of our online banking customers. Are. Do you currently have an online banking account with us?

utterance: yes.

utterance: All right, sir. You can also look that up online in that in our system. You go into your informations tab and you will be able to pull up the stock information you have and all the financial information that you have with us that's outside of your banking information, sir.

utterance: All right. All right.

utterance: All right, sir. so, is there anything else I can do for you today Mr. Robinson?

utterance: that's about it.

utterance: All right. Thank you so much for giving us a call today, sir and again my name is Gianna and I hope you enjoy the rest of your day.

utterance: All right. You too.

utterance: Thank you, sir.

utterance: OK. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank where we value our customers. This is Brenda. How may I help you?

utterance: Yes I'm an Intellibank business customer and I'm trying to complete a financial analysis for my business. and I needing to put together a business portfolio.

utterance: I'm wondering if you could help me with that?

utterance: Yup I can do that for you. Who am I speaking with today?

utterance: It's Jill Baker.

utterance: All right Jill and do you prefer that I call you Jill or Ms. Baker?

utterance: It doesn't matter you can call me Jill.

utterance: All right Jill so what kind of information are you trying to ascertain for your portfolio?

utterance: So I need things like my net income. My income to debt ratio. I'd also like to get some information regarding possible investment opportunities as well.

utterance: I mean basically I need a lot of help.

utterance: All right Jill I can do this for you. So it sounds like you may need to speak with one of our financial advisors.

utterance: We have a couple of different options for you to do that. I can take some information from you and I can schedule a call with one of our financial advisors.

utterance: Or I can also try to schedule an in person visit with you at one of our Intellibank branch locations. Which one would work best for you?

utterance: So I I guess it would probably most sense for me just to go in and take all my stuff in then so I can lay it out for them.

utterance: Yeah OK then I can do that for you.

utterance: I can schedule an in person meeting. I'm just gonna need to get some information from you real quick OK. what is your account number Jill?

utterance: It's three four six zero two nine nine eight.

utterance: OK and what is the name of your business Jill?

utterance: It's Johnson Controls.

utterance: And your date of birth?

utterance: March second of nineteen eighty.

utterance: OK and it looks like your account has a four digit PIN number on it. Could you share that PIN number with me as well?

utterance: Yeah so that should be six four seven eight.

utterance: All right Jill and do you have a specific branch location that you would like me to schedule this meeting at?

utterance: Can we do the Antioch Road location?

utterance: Yeah let me look that up real quick.

utterance: OK so is that branch the one that's at two three one two Antioch Road in Kansas City?

utterance: Yeah that's right. It's the one that's just outside of the amusement park. That fun mountain it's right side there.

utterance: OK. All right so I think I found the correct one. That is the one that's right outside the amusement park.

utterance: Have you ever been to that park?

utterance: Yup. I have I have kids and they spend a lot of their summer there.

utterance: Do they go to that Halloween thing that they had there. It was it was like a Halloween haunted house thing.

utterance: We did. We we really love it. It's a lot of fun. we actually have season passes so we go every year.

utterance: Yes I took my kids too. The haunted houses they were actually pretty scary. I was actually surprised.

utterance: Yeah so once the park gets dark it it gets kinda scary and everything gets a little bit spookier. But but yeah it's a great time for kids.

utterance: Oh I know my family had a great time there.

utterance: Yeah I definitely I definitely recommend it to people. And you know it's a pretty cheap and and fun day for somebody.

utterance: Jill did you have a specific day and time that would be best for you for that meeting with that financial advisor?

utterance: OK so on Wednesdays I'm usually open most of the day. I I don't really have anything going on that day. Do you have anything on Wednesday?

utterance: Yeah let me look at Wednesday. So that's Wednesday the seventh. And look here.

utterance: OK Jill so I do have a two p.m. appointment that day with Carol. She's one of our Intellibank financial advisors. Would that time work out for you?

utterance: Yeah so two p.m. two p.m. on the seventh. That'd be actually be really great.

utterance: All right Jill so I'm gonna I'm going to get you on the calendar for that meeting.

utterance: I'm also gonna send you an email. And that email will have your appointment time it will have Carol's contact information just in case you need to reach out to her to ask any questions or anything before the meeting. another too is you you may. If you can kind of reach out to Carol and just kinda send her an email and let her know exactly what you're you're trying to accomplish with your portfolio.

utterance: Then she may tell you what other additional documentation she needs for you to bring.

utterance: So it's it's always a good idea to either kind of maybe just reach out to her via email or call her before you go. Just to kinda cover that information.

utterance: OK then yeah I can do that. I can email her.

utterance: All right Jill so what is your email address?

utterance: Yeah so it's J Baker at Johnson Controls dot com. That's J as in Jill Baker B A K E R at Johnson Controls dot com.

utterance: All right Jill.

utterance: So I got the appointment scheduled for you for two p.m. Wednesday on the seventh at the Intellibank branch. And that's two three one two Antioch Road Kansas City Missouri. And that's with a financial advisor and her name is Carol.

utterance: I'll also send you over all of her contact information so you can reach out to her to kinda touch base with things.

utterance: if for some reason you don't contact her some of the recommended things to to bring to that meeting are any just any financial information that you may have regarding payroll for your business.

utterance: regarding assets any assets you have. Any loan Just a list of new loans you may have.

utterance: that kinda stuff. They don't ask for bank statements or anything. And since your banks are through Intellibank she can pull that up if necessary. but everything else everything else you may just reach out to her and see if there's anything additional she may need you to bring.

utterance: OK so you're gonna send me an email then with all that information.

utterance: Yup I'm sending that email right now. Was there anything else I could do to help you?

utterance: No I think that's everything. Thank you so much.

utterance: No problem Jill. Thank you for choosing Intellibank. You should receive that email shortly.