utterance: Thank you for calling Intellibank. This is Chloe, how can I help you?

utterance: Hey Chole, how are you doing this morning?

utterance: I'm doing so well today. How about yourself?

utterance: doing pretty well myself, thank you for asking.

utterance: Well of course.

utterance: so I am a long time customer of Intellibank both business and personal accounts.

utterance: Mhm.

utterance: And I, you know. I'm sorry, my my head is like in in the clouds right now. It's.

utterance: Oh, yes. I hear you.

utterance: I hear you.

utterance: It it's been one of those mornings, even though I'm having a good day. I didn't have breakfast this morning. And I'm just I I like I'm I'm gonna complain now. can I complain about how hungry I am?

utterance: Mhm.

utterance: Oh

utterance: Please do. I'm here for you.

utterance: Oh my God.

utterance: It it it's you know, it's I usually eat a really nice breakfast every morning and today I overslept, I got up late and I just didn't have time to like stop at my usual spot and grab my nice big breakfast and I'm feeling it. I am truly feeling it. Yeah.

utterance: Mhm.

utterance: Wow.

utterance: Yeah.

utterance: I hear you. That's no good.

utterance: I guess that's why they say it truly is the most important meal of the day and it gives you fuel for the day.

utterance: Yeah, that's true, I I have to agree with that.

utterance: So all right, so anyway back to banking like I said I I have both my personal and business accounts with it, Intellibank. and for I wanted to look into getting some Treasury Bank or Treasury Bond yields.

utterance: Mhm.

utterance: Mhm.

utterance: on some you know, I I have There's probably about a dozen ten year bonds that I have. And wanted to like what the the yield rate is going right now for those.

utterance: Mhm. Mhm.

utterance: OK. Sure. I can totally help you with that. No problem. OK. What's your first and last name?

utterance: my name is Barry.

utterance: OK.

utterance: My last name is Killian. It's K I L L.

utterance: Mhm.

utterance: I A N.

utterance: OK Mr. Killian. And what is your date of birth?

utterance: It's eleven five sixty-nine.

utterance: OK. And your PIN number?

utterance: oh five six nine.

utterance: All right. And you said the bond type is a ten year?

utterance: Yes, it is.

utterance: OK.

utterance: All right. So let me look that up. So right now that is one point five percent.

utterance: Wow. OK.

utterance: right now. So I hear I heard you say that you have multiple?

utterance: Yeah so you know they're they're just they just hit that ten year mark.

utterance: OK.

utterance: so I'm I'm you know I've been waiting ten years for this. So I'm guessing I could come in and cash them in or.

utterance: Yeah.

utterance: You can but you can also if you wanna sit down with one of our representatives they can go through them with you and like you know really sit down and tell you different scenarios of what you can do with them.

utterance: Yeah, cuz I'm you know I'm I'm I'm wondering you know if I just keep holding on to them.

utterance: Yeah.

utterance: Mhm.

utterance: Is that a good thing or does it make a difference because they are ten years or.

utterance: Right.

utterance: Right.

utterance: Have they reached their peaks? So yeah, I mean.

utterance: Do you think you might wanna make an appointment to come in and speak with someone? They can really. We have experts that can totally school you on it and make you an expert.

utterance: I I need to be schooled.

utterance: OK.

utterance: That this. So please, yes. Let's.

utterance: All right.

utterance: So what is your address?

utterance: my home address you mean?

utterance: Yeah, cuz I wanna find some locations near you.

utterance: Oh, OK.

utterance: So you can. We can set up an appointment.

utterance: Yeah, it's sixteen hundred.

utterance: OK.

utterance: Barkley Drive.

utterance: Mhm.

utterance: And that's in Philadelphia.

utterance: Mhm.

utterance: Pennsylvania. One nine one.

utterance: Mhm.

utterance: Four five.

utterance: OK. All right, yeah. So there are several locations right near you and so what I'd like to do is I can send you an email.

utterance: OK.

utterance: With our calendar and our locations. The locations will come up and you can pick which location you'd like to go to. There's a little bio on the experts. You can click on their name and it'll you know their picture will pop up with different. A little bio about their expertise and then you can go into the portal and make an appointment. You can just choose your date and time. And then you'll get an email confirmation on that. And it'll be you know as simple as that so.

utterance: OK.

utterance: OK, what do you need from me?

utterance: I just.

utterance: Need your email right now.

utterance: Email?

utterance: Mhm.

utterance: that is.

utterance: Mhm.

utterance: Barry K.

utterance: OK.

utterance: Nineteen sixteen nine.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK, is it a capital B?

utterance: It is and my social security number is.

utterance: Actually I don't need that but thank you so much Mr. Killian for like trying to help.

utterance: OK.

utterance: And you know give me the information that I need but I appreciate you. But that's all that I need from your right now. And OK so I'm sending that over. All right and Mr. Killian is there anything else I can help you with while I have you on the line?

utterance: No that seems to be everything.

utterance: Well thank you so much for being part of Intellibank.

utterance: Thank you.

utterance: Have a good night.

utterance: You too.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hello Jaden, how are you today?

utterance: I'm doing pretty well. How about yourself?

utterance: well I just watched the news and I'm baffled, concerned, and why why why do I do it to myself?

utterance: Oh no. I know, I try not to watch the news.

utterance: Yeah. I shouldn't do it but it's it's like that you know, that car crash or train wreck you just can't turn away? You just keep going back to it over and over and over again.

utterance: Yeah.

utterance: No.

utterance: So yes. So I was watching and as I was watching the news and you know they're talking financials and banking and all this stuff and I'm a business owner and they were talking about the United States Consumer Price Index and this and that. So I was a little confused and I I just wanted to you know see if I could check with you guys and get a true number of of what it is now currently.

utterance: OK, sure I can help you with that. We'll we'll go over different topics. There's different. You know there's like food, energy.

utterance: Mhm.

utterance: clothing, things like that. I can totally help you with that.

utterance: OK.

utterance: what is your full name and date of birth?

utterance: my name is Tom Peters.

utterance: OK.

utterance: it's eleventh of oh oh oh oh. I'm sorry that's today's date. So the news has me all screwed up. All right. My birthdate is October thirteenth nineteen seventy-one.

utterance: OK. Oh wow, that's so interesting. That's my brother's exact birthday.

utterance: Oh, wow.

utterance: That's so crazy.

utterance: Is he the big five oh too?

utterance: Yes he is.

utterance: How about that?

utterance: He's my oldest brother but let's that's neither here nor there.

utterance: So so what type of business are you inquiring about?

utterance: I have like a little corner store deli that's

utterance: So

utterance: So food?

utterance: Yeah, yeah.

utterance: OK and what time period were you looking to?

utterance: the, you know, for the last quarter of the year.

utterance: OK.

utterance: The holiday season.

utterance: OK. Give me one second. No problem. OK. So that's gonna be eighteen percent.

utterance: Oh, OK. So that's a good thing.

utterance: Yeah. I mean it's not too low. What what do you think?

utterance: Yeah no that I mean that'll be you know good from a business standpoint but yeah just.

utterance: Right.

utterance: Right.

utterance: Good for you for the business owner.

utterance: exactly. Exactly. It's it's good good for the business owner you know. Not to good for the consumer.

utterance: So you said that you have a deli?

utterance: Yeah, it's something you know the little corner store. It's like a little mini convenience store, a little mini grocery you know store. And we have we have a deli too. We make sandwiches and stuff right there.

utterance: Oh, nice.

utterance: Yeah.

utterance: So you obviously have like a business account with us?

utterance: I do.

utterance: OK. .

utterance: I do

utterance: I've been I've been a long time customer in. For over like over fifteen years now.

utterance: Oh wow.

utterance: So yeah. So I always you know call you guys for when it comes to banking questions and stuff like that.

utterance: Yeah we do have a lot of perks for small business owners through Intellibank. I don't know if you'd be interested but I can send you over like a link to everything that we're offering this month. Everything from you know promotional items, you could get like money off of your cell phone, your business line bill. Like there's a lot of things that we're doing this month just for our business owners to help cut corners and things like that. Would that be something that you might be interested in or?

utterance: OK.

utterance: Yeah. That that that would be good.

utterance: OK. What is your email address?

utterance: It's a T Peters.

utterance: OK.

utterance: Nineteen seventy-one.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. And is that a capital T?

utterance: It is.

utterance: OK. So I'm just going to send you a link over. Just click on it, read through it. If you have any questions. If you ever want to come into one of our branches and to speak to someone in person. We love our small business owners and our entrepreneurs. So we're always here to help. You you know we have stylized plans specifically for the small business owner. So whatever we can do that's primarily while we're here.

utterance: OK. I appreciate that.

utterance: So just to let

utterance: You know that and just to let you know you can always check yourself if you're looking for aids, if you want the to get the Consumer Price Index I can give you a website that you can go to on your own.

utterance: OK.

utterance: You don't have to even call us. You can check it whenever you want.

utterance: Oh. All right.

utterance: So do you want to write that down or let me know when you're ready for me to give you that info. It's pretty easy.

utterance: Yeah. Please, I'm ready.

utterance: It's just B O S dot gov.

utterance: B as in boy?

utterance: B as in boy.

utterance: OK.

utterance: Or else.

utterance: Mhm mhm.

utterance: OK.

utterance: Dot gov.

utterance: OK.

utterance: And it'll tell you everything you need to know if you go on there and check it out. It's It's the simplest way to check on info for the Consumer Price Index.

utterance: Yeah, OK. Yeah, this way I don't have to bother you either you or your coworkers.

utterance: Oh, no no. You're not bothering us but just for your own convenience.

utterance: OK. Well I thank you and I appreciate all all your help today and stay away from the news.

utterance: OK. Have a great day. Take care.

utterance: Thanks. You too.


utterance: Thank you so much for calling Intellibank this evening. This is Mitchel. How may I be of service to you tonight?

utterance: Hello Mitchel. How's your night going?

utterance: Going very well. How are you doing tonight?

utterance: Yeah.

utterance: I'm pretty good. so I'm calling because I received a letter from Intellibank about some different options that I might have. So I figured I'd give Intellibank a call and see what was going on?

utterance: Fantastic and are you currently an Intellibank customer? you've been saying the Intel Bank?

utterance: Uh-huh.

utterance: but this is Intellibank. Did you call the right bank?

utterance: OK.

utterance: I did. Thank you for for checking and correcting me. I just was mispronouncing the name.

utterance: Oh it's no problem. It happens all the time. A lot of people make the exact same mistake.

utterance: Thanks for understanding.

utterance: and do you have a current Intellibank account?

utterance: I don't.

utterance: Now well were you interested in opening one?

utterance: Yes.

utterance: Great. let's start with a couple of pieces of simple information from you.

utterance: Mhm.

utterance: I'm gonna need your full name first and last as you'd like it to appear on the account.

utterance: Mhm.

utterance: OK and that would be Pita P I T A Suntoo S U N T O O.

utterance: All right and what email address would you like to use?

utterance: Oh Pita Suntoo sunshine rain at Gmail dot com.

utterance: And I'm gonna need your social security number?

utterance: Six two six three one four eight nine eight.

utterance: And I'm gonna need a state issued ID or drivers license number?

utterance: OK. I got it and it's right here which is D eight eight nine seven four six two three.

utterance: Great. Now a couple questions about your business.

utterance: Mhm.

utterance: I'm gonna need your business name?

utterance: Sunshine Reeds.

utterance: And your business email address.

utterance: It's Pita Sun Ria Ree at iCloud.

utterance: And are you the sole owner of that business?

utterance: No.

utterance: And who else?

utterance: Ree Larunga.

utterance: All right and I'm gonna need your tax ID number.

utterance: OK it is six four one nine three two eight eight eight.

utterance: And what was your business' gross income for the previous year?

utterance: Oh that would be seven hundred and eighty-seven thousand dollars. That's just last year yeah.

utterance: And what was the establishment date for your company?

utterance: Oh we have been established since the early nineties.

utterance: do you have a actual exact date?

utterance: Oh yes of course. I'm sorry it was March twentieth nineteen ninety-two.

utterance: All right OK that is all the information I'm gonna need to get started here.

utterance: Thank you.

utterance: And are you interested in any other accounts at this time or just our business checking?

utterance: Oh I think business checking for now.

utterance: OK I just need to establish a couple of security questions.

utterance: Perfect.

utterance: First I'm gonna need a four digit PIN. This is what you're gonna give us every time you call.

utterance: Got it. That I'll go for four nine eight one.

utterance: All right.

utterance: Mhm.

utterance: And what is your first pet's name?

utterance: Pumpkin.

utterance: And what was the name of the street that you grew up on?

utterance: Syndonel Way.

utterance: And your mother's maiden name?

utterance: Lusina.

utterance: All right now do you have a existing checking account with another bank that you would like to transfer funds from?

utterance: I don't. No.

utterance: All right. So we're just gonna start this account as being an empty account.

utterance: Mhm.

utterance: Now there will be a twenty-five dollar fee for every month that the account is empty.

utterance: OK.

utterance: So I shouldn't. Would suggest if you're not gonna do that transfer today that you stop by one of our branches or ATMs at some point in the first thirty days of this account and put some money in that account.

utterance: OK.

utterance: OK great. Thank you.

utterance: Oh oh excuse me. Sorry about that.

utterance: No.

utterance: All right and with that we are all set. you are now the owner of an Intellibank business checking account.

utterance: OK.

utterance: Oh magnificent. Thank you so so much.

utterance: Do you have any questions for me? Is there anything else I can do for you?

utterance: You just have yourself a good safe holiday and a a beautiful evening.

utterance: Fantastic then.

utterance: You do the same.

utterance: OK.

utterance: And thank you for joining Intellibank.

utterance: Thank you.

utterance: Good evening.

utterance: Goodbye.


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

utterance: Yes so I had spoke with one of your financial advisors a while back and they advised me against buying some stock at the company-wide sale but they've been up a fifth of a point all week and that recommendation has really cost me so I'm a little frustrated.

utterance: OK so I'm very sorry that their advice did not work out for you. If you'd like I can help with you purchasing some of that from that company now. Can you tell me who I'm speaking with today?

utterance: Yeah it's Jill Baker.

utterance: And do you prefer that I call you Jill or Ms. Baker?

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

utterance: OK Jill. So if you would like I can help you to purchase some of the stock for that company. Would you like me to help you with that?

utterance: Yeah that's fine. It's just really frustrating that I listened to their advice about not buying and I really should have went with my gut and now I feel like it's cost me.

utterance: I can totally understand your frustration Jill and I want you to know that and then I know that you've already missed out on some of the success of the stock but if you can let me help you purchase some for that today then maybe we can try to rectify what's been done here. Jill I I just need to get some information from you to make that buy if that's what you need.

utterance: Yeah let's go ahead and do it.

utterance: OK. All right Jill. So what is your account number?

utterance: Can you give me just a second to look it up? Give me one second please. It's it's three four six zero two nine nine eight.

utterance: OK Jill and can you tell me what the name of your business is?

utterance: Yeah so that's Johnson Controls.

utterance: All right Jill and what is your date of birth and your social security number?

utterance: It's March second ninety eighty and then my social that seven three eight zero two zero seven eight three.

utterance: OK and Jill it looks like your account has a four digit PIN number on it for security purposes. Could you also share that PIN number with me?

utterance: Yeah so that six four seven eight.

utterance: OK and what city and state are you in Jill?

utterance: It's Kansas City Missouri.

utterance: And can you give me your home address?

utterance: Yeah so my address is five one nine Hoover Road and that's Kansas City Missouri. Seven three eight two zero.

utterance: OK and Jill can I confirm an email address for you as well?

utterance: Yeah so it's J Baker at Johnson Controls dot com. So it's J as in Jill Baker at Johnson Controls dot com.

utterance: All right Jill and you're wanting to purchase stock for Whitetail. Is that what you said?

utterance: Yeah so it's under but I want to buy several of the stock things if I can.

utterance: Yeah so when you're saying stock things are you referring to stock shares?

utterance: Yeah that's what they're calling them.

utterance: OK. OK Jill. So what is the stock symbol for Whitetail?

utterance: Can you kind of explain that market order to me?

utterance: Yeah so the market order is basically in order to buy ourselves security immediately. The type of order guarantees that the order will be executed but does not guarantee the execution price. So generally it will be at or near the current bid for the sell order. so you're paying whatever the current stock market price is for that share.

utterance: OK then that makes sense. So the stock symbol is FFIV.

utterance: OK and how many shares are you wanting to buy of that today?

utterance: So I'd like to buy a hundred shares if I can. Can you tell me what the price is today?

utterance: Yeah so it looks like the cap price is nine dollars and fifty-nine cents a share for this and yeah so it's nine dollars and fifty-nine cent a share.

utterance: OK can I actually do two hundred and can you tell me is it trending?

utterance: Yeah so I can do the two hundred shares for ya and it does look like it's trending. It's at actually at number nine today. Jill are you wanting to use your Intellibank checking account to buy these shares?

utterance: Yeah if I can. Can I do that?

utterance: Yeah we can do that for you. So I'm gonna get these shares purchased for you or get them set up to be purchased for you and then I'll get the disclosures and confirmations emailed to over to. Give me just a moment OK?

utterance: OK is there anything that I should be watching for to know if it's time to sell that stock?

utterance: So Jill I do not really want to advise you on when to buy or sell stock because that is not the my area with Intellibank but there is several macroeconomic factors that you should observe like interest rate changes, inflation, and then some economic factors like unemployment rates and political changes that can sometimes influence the market outside of those things. but it would mainly be just watching for any percentages changes for those particular stocks. Jill I have those shares set up to buy for you and I've sent you the disclosures and confirmations to your email. I do want to let you know that the purchase of these stocks don't go into full effect until that disclosure is acknowledged. So you'll receive a disclosure in your email in that disclosure is essentially just saying that you've given us permission to make these purchase for purchases for you on behalf of you. so when you get that disclosure you'll need to go to the . I'm sorry the disclosure and choose the acknowledgment button. and that's just basically you agreeing that you've allowed us to purchase these for ya. and everything should be emailed to you now. I've got it all emailed to you. Is there. Did you have any questions regarding any of this?

utterance: No I think that pretty much answers everything I'll just watch for that then.

utterance: OK Jill. So I do wanna apologize that you were upset regarding the advice that you received from one of our financial advisors but I do wanna let you know that our advisors they provide our advice based on a variety of research and patterns pertaining to each stock and that advisor uses every resource available to them to try to project the success of that failure or success or failure of that stock for our customers. So I'm sorry that we fell short this time but hopefully we'll get it right this time with it helping you purchase these Whitetails stocks. Jill I want to thank you for choosing Intellibank and thank you for sticking it out with us and hopefully in the future we can we can make sure that we're there for ya and that we make this happen for ya. You have a good day.


utterance: Thank you for calling Intellibank, my name is Emma, how may I assist you today?

utterance: Hi, I need to inquire about applying for a real estate loan, please.

utterance: Certainly, I'd be glad to help you with that today. Who am I speaking to?

utterance: my name is Rona Comstock.

utterance: Hi Rhoda, how are you doing today?

utterance: I've been better, how are you?

utterance: I'm good. Well I'd be glad to help you and hopefully make this an easy process for you.

utterance: We'll see, I've been calling and calling and you're the first person I've been able to get through in like three days.

utterance: Oh, my goodness.

utterance: Well, Rhoda, just to let you know I could answer any questions for you, but I could actually go ahead and help you process the application right over the phone.

utterance: OK. Thank you.

utterance: OK,

utterance: Certainly. Rhoda, could you spell your last name for me?

utterance: Comstock C O M S T O C K.

utterance: OK, great, and will the loan be under your name?

utterance: It ain't gonna be under anybody else's.

utterance: OK, thank you. All right, and what is your home address, please?

utterance: my home address is twenty-one forty-three City Drive and that's Yonkers New York, one zero zero nine four.

utterance: OK thank you. Your Social Security number?

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

utterance: And, your driver's license and the state it was issued?

utterance: New York, and that's N Y six five nine seven one three.

utterance: Thank you. Four digit pin number?

utterance: Two two one seven.

utterance: And, your email address?

utterance: My goodness, you ask for a lot of information!

utterance: Oh, well this is an actual loan application, so we, it has to be thorough.

utterance: Whatever.

utterance: That's all right take your time Rhoda.

utterance: I can't even remember my email address! It's Rhoda Comstock at stock dot com.

utterance: OK, and Rona, the name of your business?

utterance: Rhoda Comstock at Stock dot com.

utterance: OK. Are you the sole business owner?

utterance: It be anybody else.

utterance: OK. You're you fly solo huh?

utterance: trust me, no one else could keep up with me.

utterance: I can see that. OK, and and when your business was established, the month and year?

utterance: Oh, man, you're making me work hard. September of twenty fifteen.

utterance: Thank you. Fifth annual gross sales for last year?

utterance: Five hundred thousand.

utterance: All right, five hundred thousand. And, your tax ID number?

utterance: Gee-whiz, two one nine five four three six one two one.

utterance: Thank you so much. The address where your business is located?

utterance: two nine five three Greenhill Drive Yonkers, New York, one one four two three.

utterance: Thank you so much. And your mailing address, is that the same as your business address?

utterance: Yep.

utterance: All right. And, what is the purpose of your loan?

utterance: To buy more real estate. That's why I'm applying for a real estate loan, hello!

utterance: I understand that. Are you buying a property that you're going to manage, are you buying a property that you're going to build out?

utterance: I'm buying a property that I'm going to build out and the address for that is, are you ready?

utterance: Yes.

utterance: Twenty-one fifty-two Black Hill Streets, Yonkers New York, two five four six seven.

utterance: All right, thank you so much. And then, what down payment will you be putting down for the loan?

utterance: Fifteen percent.

utterance: Fifteen percent, OK, very good. So while we're speaking Rona and finalizing the loan, while it was very thorough it it was only under five minutes to apply you will find out your results within three to seven business days. However, please be advised that a link was just sent to your email to to finalize this today, I need you to upload a copy of your tax ID and your driver's license into the system you will see that link. And, unless you have any other questions, that finalizes your real estate loan on the phone.

utterance: OK, well thank you.

utterance: Do you have any other questions I can answer for you today?

utterance: You certainly are professional, I have to say. Thank you so much.

utterance: Thank you Rhoda. Thank you for calling Intellibank, and have a good day.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank customer service, where we service all your banking needs. My name is David and I am your customer service representative. How can I help you today?

utterance: hi yeah, I need a I want to apply for a loan your SBA five oh four loan.

utterance: Yeah, absolutely. That sounds like you are a small business owner if you are. You're a customer with our bank, correct?

utterance: Mhm.

utterance: yeah, I'm a customer with your bank. my wife's my wife's been with you guys too for a long time, and we're kind of. She told me about your, this loan that you guys can do, that'd be really great. I actually think that my dad was a part of was with your bank as well and he highly recommended it. so yeah, I just wanted to like enquire about my options, cuz I need a little more capital for my business and I hear your five oh four is pretty good.

utterance: Yeah, our five oh four loan is fantastic and I can tell you more about it, but lets first get into your account, and take a look at everything and see what you qualify for. So, I'm going to ask for some sensitive information to verify your identity.

utterance: Sure.

utterance: Let me start with your first name and your last name.

utterance: OK, my name is Tobin Williams.

utterance: OK, and how do you spell Tobin?

utterance: T O B I N.

utterance: Fantastic, can I get your address Mr. Williams?

utterance: yeah, my address is five zero five zero Weatherford Avenue, and West Covina, California.

utterance: Fantastic, and what's the zip for that?

utterance: Oh sorry, it's nine two three two three.

utterance: Great, and what is your social security number?

utterance: It's three six five zero two seven one five one.

utterance: And your driver's license number?

utterance: D three five three six five six one California.

utterance: Great, and what is your PIN number?

utterance: PIN number is seven one seven zero.

utterance: Great, and what is your email?

utterance: Email address is just Williams T at Gmail dot com.

utterance: Fantastic, and what is your business name?

utterance: my business name is all weather jackets.

utterance: All weather jackets, and are you the sole owner?

utterance: I am.

utterance: Fantastic. What was the business establishment date?

utterance: establishment date, when was it? Give me one sec, I gotta put you on hold.

utterance: Oh, absolutely. Take your time.

utterance: OK, you ready? Hi.

utterance: Yep, I'm ready for that information.

utterance: OK, July fourteenth two thousand seventeen.

utterance: Fantastic, and what were your gross annual sales?

utterance: About a hundred and ten thousand.

utterance: A hundred and ten thousand, that's great. What is your tax ID number?

utterance: It is six two six nine nine five.

utterance: Fantastic, what's your business street address?

utterance: Seven two six Oakley Avenue, West Covina California nine two three two three.

utterance: OK.

utterance: Fantastic, and this will be a little bit redundant, but what is the mailing address?

utterance: Mhm.

utterance: Same.

utterance: OK, I'll go ahead and copy and paste that over. OK, so you are looking for a small business administration loan five oh four.

utterance: Mhm.

utterance: What is the purpose of this loan?

utterance: Yeah, I just need to need some more capital, I need to get some more jackets for the winter. I sold out a lot of I usually sell some of last year's models, last year's designs, but I sold , I sold out of all those during Labor Day, during our Labor Day sale, so I just yeah I just need to make a big purchase on inventory to keep up. I know there's been like supply chain shortages, so I'm just trying to be one step ahead here. yeah.

utterance: Oh.

utterance: Absolutely, so speaking of which, what is the loan amount?

utterance: Loan amount would be a hundred and fifty thousand please.

utterance: A hundred and fifty thousand. Fantastic, and that shouldn't be a problem. The the benefit of this loan is that the government takes a certain amount of risk when you take this loan. so what is the down payment percentage that you'd like to put down?

utterance: man, I don't want to put down that much. What's the lowest I can do?

utterance: five percent.

utterance: Let's do five percent.

utterance: OK, five percent of a hundred and fifty thousand. .

utterance: That.

utterance: Well that doesn't affect my credit, does it?

utterance: Nope.

utterance: OK, OK, and it doesn't am I able to do lower than five percent, just because like I used to be my like my wife also has an account. My dad also had an account. Like do you guys have some type of like, you know, like cause, like family like type of like discount, like can I do three point five percent at all? low as that, or is five percent the lowest?

utterance: Hmm, unfortunately five percent is the lowest we an offer for a down payment percentage.

utterance: OK, no problem.

utterance: All right. So I'm gonna go ahead and put this application through for you and if all goes according to plan, you should be hearing back very shortly. there will be a request for additional business documentation to verify some of this information, and once that gets approved, you will have your loan very shortly. Is there anything else I can help you with today?

utterance: That's it.

utterance: All right, I hope you have a wonderful day.

utterance: Thank you, you too.

utterance: Take care.


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

utterance: Hi Daisy. This is George. How's your day going?

utterance: My day is going fantastic. How about yours?

utterance: Oh same here you know. We're having great weather. It's a nice sunny day outside. I'm calling cuz I'm trying to figure out how much is your charge next year? Twenty twenty-two. but in order to do that I need to find out the price of the goods that I'm gonna be using. so could you please tell me the United States consumer price index?

utterance: Oh sure. Absolutely. I'd be happy to help you with that. For which category of consumer goods would you like me to calculate?

utterance: All items.

utterance: For which time period?

utterance: This past year.

utterance: The past year OK. The consumer price index for all urban consumers increased four point four percent over the last twelve months to an index level of two hundred and twenty-two thousand three hundred and ten. For the month the index increased point five percent prior to seasonal adjustment. Is there anything else I can help you with?

utterance: OK I got that. Yeah. Is there an easier way to check this online? Something that I could do myself?

utterance: Yeah. At our website WWW dot Intellibank dot com you could check the United States consumer price index.

utterance: Oh. And how do I log in to that? Cuz I tried before and I wasn't able to, my credentials my credentials didn't work.

utterance: Oh. OK. So you've never successfully logged in.

utterance: No.

utterance: All right so if this is your first time using Intellibank's online banking you must click the first time users enroll here link. There you'll be asked to read and accept the online banking disclosures and enter your account number. your social security number your date of birth your Intellibank PIN. And you'll be asked to create a password.

utterance: Once you are logged in, you will be prompted to choose and answer five security questions and also enroll in the one time security code feature. Does this makes sense?

utterance: Yeah. That makes sense. what kind of services are on that online platform?

utterance: we offer a multitude of services there such as bill pay. You can view and print your monthly statements. You could pay your mortgage. you could do wire transfers. Either internal or external domestic or international. There's just a wide variety of things available there.

utterance: OK.

utterance: Anything else I can help you with?

utterance: yes I have to make a withdrawal from my savings account. Do you mind giving me the the nearest ATM location?

utterance: Sure. Nearest ATM to your home address?

utterance: no. I'm actually out right now. are you ready for the address my current address right now?

utterance: Yeah.

utterance: it's one twenty one Parkway avenue. Branson Missouri five five three two four.

utterance: Thank you. Just take the moment for that to load and then I will have the closest ATMs to you. Looks like I've got three within a mile of you. I've got one at four ninety-six Macintosh Street. I've got another one at one sixty-seven Pittsburgh Way. And there's another ATM. This is a non Intellibank ATM at seven forty-nine hope avenue. Since it's not related to Intellibank there will be a four dollar non-refundable transaction fee at that ATM. And that one is at the Schlotzky's. They're on hope avenue. Is there anything I can help you with today George?

utterance: Yeah. Do those ATMs have a maximum daily limit?

utterance: well your account has a maximum daily limit of four hundred dollars. That's over a twenty-four hour period.

utterance: Oh. OK.

utterance: All right. Is there anything else I can help you with today George?

utterance: No that should do it.

utterance: Well thank you for choosing Intellibank and have a great day.

utterance: Thanks. You too. Bye.

utterance: Bye now.


utterance: Hello and thank your calling Intellibank, my name is Carol. How may I assist you today?

utterance: Hey Carol, how's it going?

utterance: Great, how about you?

utterance: not not too bad, not too bad. I I just wanted to call you because I have an issue and my issue is that I have not received any emails and I just wanted to see why.

utterance: Oh my goodness. Well that's that's not good, let's see how we can fix that for you.

utterance: OK, very good.

utterance: All right well let me just get you in, get some information from you so I can plug you into the system. And may I get your first and last name please?

utterance: Sure it is Francis. F A. F R A N C I S.

utterance: And your last name Francis?

utterance: McGuire.

utterance: Would that be M A C or M C?

utterance: M C.

utterance: G.

utterance: U I R E. That's right, that's right.

utterance: U

utterance: E. OK.

utterance: Mm, totally.

utterance: going into a little a little bit of an accent there, huh.

utterance: Yeah,

utterance: There we go.

utterance: Yeah, no. I grew up in Texas so like I can easily access those.

utterance: Oh OK.

utterance: Where they say.

utterance: Well somethings. Everything is bigger in Texas. But also I think the other thing that sticks out like a sore thumb is Southern hospitality.

utterance: Everything is bigger.

utterance: Right.

utterance: Oh, OK. They're they're known for that in Texas too?

utterance: Yeah.

utterance: Yeah. Oh yeah. I went to UT hook them horns.

utterance: There you go.

utterance: You've been to Texas?

utterance: No, that's one of the states I have not been to.

utterance: Oh, man. You gotta go to Austin.

utterance: That's the one place that I wanna visit is Austin yeah.

utterance: Yes. Great.

utterance: Don't go to Houston though.

utterance: Yeah.

utterance: It's too humid.

utterance: Too humid, OK yeah.

utterance: But you like

utterance: It humid?

utterance: I do not. I was in Florida once and my hair looked like a bean bag chair from the from the weather, it just.

utterance: God I'm

utterance: Trying to Imagine what that even looks like on a human head.

utterance: Just imagine something big.

utterance: Big and round sitting on top of your head so.

utterance: That's so funny, that's so funny.

utterance: OK so I've got your name here and what is your four digit PIN associated with your accounts?

utterance: it's a really simple one actually it's one, two, three.

utterance: And would it be?

utterance: Four. I'm

utterance: Sorry. One two three four.

utterance: There we

utterance: go. One two three four. OK. All right I do see you here. And for security purposes may I please have your date of birth?

utterance: Yep.

utterance: Sure it's two, seven that's February seventh eighty.

utterance: Mhm.

utterance: Nineteen eighty. OK. Very good and I also see that you have a security question on your account. May I please have the name of your childhood pet?

utterance: That's right.

utterance: My childhood pet. Oh my god I haven't been asked that in a while. So funny man, oh man you got a pet?

utterance: I do.

utterance: What's your pet?

utterance: I have a little dog named Mr. Gentleman.

utterance: are you serious? Mr. Gentleman! That's so funny.

utterance: I am.

utterance: That was the name he would he was nicknamed that in the shelter because they thought he was so sweet. So I I couldn't change that

utterance: man that's brilliant, Mr. Gentleman.

utterance: Yes.

utterance: that's great. well my well my what what was my pet's name was I also had a dog and his name was Lahoya.

utterance: Lahoya. Aww. That's sweet, and.

utterance: Yeah.

utterance: Yeah. That's what got.

utterance: Me through my childhood.

utterance: I bet.

utterance: Yeah my parents divorced and you know it was a hard time so

utterance: My bet.

utterance: Mm.

utterance: Sure.

utterance: Nothing like the loyalty of a of a a dog or a cat to see though hard times.

utterance: During during hard times.

utterance: That's right, exactly. So Lahoya is is the.

utterance: Yeah.

utterance: Well I do see that that the security question did open up your account here. And I'm taking a look. I'm taking a look at your information. OK, so the email address I have on file is coffee drinker at Gmail dot com, is that?

utterance: Yeah.

utterance: OK.

utterance: Yeah.

utterance: That's a lie. I'm just kidding no My mom used to be a coffee drinker actually so I kind of dedicated that to her.

utterance: Oh.

utterance: what would you so since you haven't been getting our your emails I'm assuming you need to update that.

utterance: Yeah, yeah exactly.

utterance: OK.

utterance: What would you like your new one to be?

utterance: really simple. It's just Francis the same same way that it's spelt and it's spelt the whole name Francis McGuire.

utterance: Mkay.

utterance: Mkay.

utterance: Francis McGuire. F R A N C I S M C G U I R E. Five.

utterance: Five OK. At Gmail dot com.

utterance: At Gmail.

utterance: That's a number five.

utterance: By the way.

utterance: Thank you I was going to ask you that. And no periods in there all?

utterance: Yeah.

utterance: yeah, just all the way through. Francis McGuire five at Gmail.

utterance: Francis McGuire five.

utterance: at Gmail dot com. All right, just one moment here.

utterance: Yeah that's the one.

utterance: Yeah can you

utterance: Can you actually send me a an an update or like a confirmation?

utterance: I sure will.

utterance: See if it

utterance: Comes through and then I can just pop it up on my on my online banking as well. Actually do you? I don't have my online banking, I I need to set that up. Is that something I can?

utterance: I I sure can I can actually transfer you to a specialist to do that. Just in our in our From our checking department. And they'll go over the different types of of accounts that are available. I did just send the email confirmation, and if you don't mind holding for just a moment, I will transfer you to a specialist.

utterance: OK yeah. I'd like that.

utterance: Yes, great.

utterance: Yeah.

utterance: OK.

utterance: Great, thank you so much. I appreciate it. Thank you, OK. Bye.

utterance: Thank you for calling Intellibank, and hold on.

utterance: Bye.


utterance: Thanks for calling Intellibank. This is Jerry. How can I help?

utterance: How you doing, Jerry? I got something in the mail and I look over. It's telling me about your interest rates and some of them look really good to me, you know. Maybe you could tell me about them.

utterance: Absolutely, I'll be happy to assist you with that and if I could let me just ask. What's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, if I could ask. What is the name of the business on file with us?

utterance: Ray's Construction Company.

utterance: OK. Thank you for that Mr. Freeman and I am going to ask you a few questions in order to verify your account because we do take your account security very seriously here. is that all right?

utterance: Yes, sir.

utterance: thank you and Mr. Freeman, if I could ask. What is your date of birth?

utterance: three twenty-six nineteen seventy and my phone number is is four oh four two two seven six zero seven three.

utterance: All right. Thank you for that. there Mr. Freeman and if I could ask. what is your account number?

utterance: hang on just a moment. Let me get that for you.

utterance: OK. you need to have my complete account?

utterance: My complete account number is seven nine eight six eight nine one two. That's my complete account number.

utterance: OK and Mr. Freeman, if I could ask. What is your PIN number?

utterance: The PIN number is one seven zero nine.

utterance: OK, terrific. Thank you for that and yes, I was able to go ahead and verify your Business Total Checking Account with us and with that I see that you're right. We did send you a notice and it was in regards to the this very attractive interest offer that we're offering now. that are the lowest rates offered in the entire the of twenty twenty-one. And this might be something that you could take advantage of for your business because these rates are at the lowest they've been all year and we could provide funding for many of your business needs. Is that something you'd be interested in?

utterance: Yes, sir.

utterance: Oh well, terrific. we'll be happy to go ahead. If you'd like Mr. Freeman and start the application process now for your term loan.

utterance: Yes, sir. Please do. Please do. Yeah, I tell you. I've I've watched them Braves. they've been hitting homeruns left and right at the.

utterance: yes, sir. The World Series has been very exciting. I think a lot of folks have been just thrilled at all of the excellent pitching. But you're right. I mean, those Braves, they can hit their homeruns.

utterance: Oh, yeah. They. Yeah, earning their money.

utterance: I think the guy, Soler you know. He is solar power if you ask me.

utterance: Oh, yeah. He's just been showing up. They're they're scared to pitch him almost.

utterance: I've agree with you. I agree.

utterance: and let me go ahead here, Mr. Mr. Freeman and ask you a few questions so that we can go ahead and begin the process for your application for the business. what would the name of the business be, by the way, that would be applying for the loan? Is it the same?

utterance: Yeah, Ray's Construction Company. Yes, sir.

utterance: All right. Terrific and what is your address, sir. Your personal address.

utterance: My personal address, sir, is one forty-one Oakwood Avenue Avondale Estates, Georgia three zero zero zero two.

utterance: OK. Thank you for that. that city and state is Avondale Estate, sir.

utterance: Yes. That's correct.

utterance: OK and the business address. What is that?

utterance: All right. Thank you for that and what is the mailing address?

utterance: The mailing address is also three six eight eight Layman Court Smyrna, Georgia three zero zero eight oh.

utterance: OK. It's the same.

utterance: yes, sir.

utterance: And Mr. Freeman, if I could have your social security number.

utterance: Oh, my social security number? is two five three zero six eight two six eight.

utterance: And what is your driver's license number?

utterance: My driver license number is zero nine two five nine eight two two.

utterance: And what state is that in?

utterance: It's the State of Georgia.

utterance: And what is your tax ID number?

utterance: Oh, my tax ID number is nine eight three four five six seven eight nine.

utterance: All right. thank you for that and we're almost complete here with your loan applications here, Mr. Freeman. Just a few more questions. I know we've ask quite a bit but obviously we wanna make sure we have all of the necessary information so that we can give you a speedy response to your application.

utterance: Yes, sir.

utterance: And if you would Mr. Freeman, let me know. When was your business established?

utterance: My business was established May the seventh nineteen eighty-four.

utterance: And what is your business email address?

utterance: My business email address is Ray's Construction the no wait it is It's Ray Ray's Construction dot com.

utterance: OK. Would it be B Freeman or Ben Freeman?

utterance: Let me. it'll be B Freeman at Ray's Construction dot com. That will be my email address. Got more than one email.

utterance: I completely understand. I think that now a days folks probably have about a hundred. A hundred different types and and with that said Mr. Freeman. What is the gross annual sales for the business?

utterance: Yes, sir. Yes, sir.

utterance: twelve million.

utterance: And what is the amount of the loan you're applying for?

utterance: seven and half million.

utterance: And what is the purpose of your loan?

utterance: equipment.

utterance: And are your the sole owner of the business?

utterance: Yes, sir.

utterance: All right. Mr. Freeman, you have pretty much answered all of the questions here. yes. One last. what is the loan term that you're looking for?

utterance: sixty months.

utterance: OK. Terrific. Terrific.

utterance: Well, with that said Mr. Freeman, I have everything I need on my end to at least initiate a the loan application process. just so that you understand the process here, Mr. Freeman. What will happen is I'll go ahead upon completion submit this over to our business loan department they will review your application and generally speaking within about two to three business days they should respond to you either by giving you a call or by email letting you know what the next steps are.

utterance: Oh, I appreciate it. That sounds good, sir.

utterance: Mr. Freeman, is there anything else I can assist you with?

utterance: Oh, that'll be all, sir.

utterance: All right. Well, if that is all, we certainly do appreciate you considering getting a loan with us here today and help assisting in your funding needs and we appreciate the business.

utterance: Oh, thank you.

utterance: Thank you, sir.

utterance: You do have a great day.

utterance: Yes, sir. Bye bye.


utterance: Good morning, my name is Gary. How are you doing today?

utterance: I'm doing well, Gary.

utterance: Thank you.

utterance: Well, thank you for calling Intellibank today. how can I help you?

utterance: Well.

utterance: I can't figure out how to update my phone number. I got a new phone number.

utterance: Oh OK. I can definitely help you with that. Can I have your name?

utterance: yeah.

utterance: Bill.

utterance: Bill. And your last name, Bill?

utterance: Jones.

utterance: Was that Jones?

utterance: Jones, yeah.

utterance: Got it. And can I get your date of birth and your PIN number?

utterance: To access your account.

utterance: yeah. Ten oh one eighty-eight.

utterance: Oh nice, just had a birthday go by. Happy late birthday Bill.

utterance: I did thank you.

utterance: Thank you.

utterance: Thank you, I appreciate that. And what else did you need there?

utterance: your PIN number.

utterance: Oh yes. Three three five three.

utterance: Three three five three, perfect. One moment please.

utterance: we've been having an outage on the system today. Please bear with me.

utterance: Sure thing.

utterance: How's your day going, Bill. That's great.

utterance: Oh, you know. Not too bad.

utterance: Bill, I'm gonna have to place you on just brief hold. I have to contact my supervisor and see what's happening with the system right now.

utterance: Yeah.

utterance: Sure.

utterance: OK, Bill. Are you there?

utterance: Yeah, sure I am.

utterance: All right, the system is loaded up now. to replace your phone number?

utterance: yeah, that is correct.

utterance: All right. what number would you want to replace it with?

utterance: Which number do you need?

utterance: Say that again.

utterance: Do you need the new number or the old one? The new number is two one three three zero six zero eight four one.

utterance: The new number.

utterance: Zero eight four one.

utterance: Got it. what company is that with?

utterance: with Tic-Tac. sure. That will be great.

utterance: Tic-Tac. And would you like to receive text message updates about your account?

utterance: Excellent.

utterance: Just checking all the rest of your account. One second please.

utterance: OK. Everything looks good. You have a bill that's due in two days.

utterance: Would you like to make that payment online with me right now? Perfect. All right.

utterance: I sure can, yeah.

utterance: payment in amount three hundred and forty-seven dollars and twenty-six cents.

utterance: we don't take American Express, just so you know.

utterance: Oh OK.

utterance: OK.

utterance: But we do take VISA, Mastercard.

utterance: yeah. I'll take VISA.

utterance: All right. Can I get that credit card number?

utterance: Yeah. It's five two four five five six four two five one two four five five five.

utterance: Got it. expiration date?

utterance: Oh two oh two twenty-five.

utterance: Two oh two twenty-five. Hey, can I get that security code on there?

utterance: Three two three.

utterance: Three two three.

utterance: All right. Processing that, one second please.

utterance: Looks like that payment did not go through. Could you repeat that credit card number. Looks like there was.

utterance: Uh-oh.

utterance: Oh yeah. one two seven seven one two seven eight one two five oh four five five five.

utterance: Got it.

utterance: let me try that.

utterance: All right. Looks like that payment went through. Thank you so much for that. can I help you with anything else? Would you like to know your balance or you'd like to know by any of the loans or credit card we offer here today. All right.

utterance: Oh.

utterance: No, not today. I think just changing the phone number is enough.

utterance: Well I will send you a receipt to your email on file.

utterance: And if there's nothing else I can help you with today. I hope you enjoy the rest of your day and I thank you so much for being a valued customer here in Intellibank.

utterance: Thank you, sir.


utterance: Thank you for calling Credit Check Card Available Services. This is Peter. How may I help you?

utterance: Hi Peter. I just was hoping to check my credit card available balance.

utterance: Sure. That's the perfect . That's why we're here. What what is your name?

utterance: my name is Remi Porgis.

utterance: Remi Porgis? Remi Porgis, what's your date of birth?

utterance: Mhm.

utterance: Oh, it is eleven twelve eighty-nine.

utterance: Eleven twelve eighty-nine. And what is your your PIN number?

utterance: Four four two six.

utterance: Four four two six. All right, Remi Porgis. Let me type this information for your balance. looks like you got a balance of do you want a remaining balance or the balance that you owe?

utterance: both.

utterance: All right. You have a current balance of five hundred dollars and you owe six hundred and fifty dollars.

utterance: I have another card I would like also to know the balance of.

utterance: Yeah.

utterance: Uh-huh.

utterance: Sure. Do you have the last four of that card?

utterance: I do have it. I just need to go look for it. If you could just stay there on the phone.

utterance: Sure.

utterance: OK. I'll be back in a minute or two.

utterance: OK. Great. Sounds great to me. .

utterance: I'm just still looking for it, so. I misplaced it it seems.

utterance: Oh, no worries.

utterance: It's OK. Don't worry about it.

utterance: Thank you.

utterance: OK. I found it.

utterance: Oh, great. Congratulations. I love it when I find something I'm looking for.

utterance: Thank you.

utterance: Does that happen to you often?

utterance: Happens all the time.

utterance: You're looking for things and then you find them?

utterance: Yeah.

utterance: Oh wow.

utterance: All the time.

utterance: Oh. That's nice. It's better than not finding the things that your looking for.

utterance: Right.

utterance: Yeah. so what's the last part of the card?

utterance: It's four three two nine.

utterance: Four three two nine. And you just want to check the available balance? OK. The available balance here is one thousand five hundred and forty-three dollars.

utterance: Mhm.

utterance: Of that card as well, yeah.

utterance: OK.

utterance: OK. That sounds good. while we're on the phone do you think you could just describe to me what some other options are for my interest?

utterance: What's your interests?

utterance: Well, I don't know.

utterance: Oh. Your interest rate?

utterance: Yeah.

utterance: Gotcha. OK. So so here are the cards we have available for your interest rates Let's see. We have one that offers one percent cash back. On every grocery store purchase. And then we have an airline miles one where you get miles for each purchase you make at a gas station.

utterance: Mhm.

utterance: OK. And then it's not available for the silver, platinum and gold cards that you have here with this?

utterance: Yes, they are.

utterance: Banking.

utterance: Yeah. Would you like to see if your if you qualify for one?

utterance: Hmm.

utterance: well, I'm unsure. I don't what what will it do if I check and I don't qualify?

utterance: you'll get a letter from our offices explaining why. I won't know why but they will send you a letter as to what the reasons were.

utterance: Mhm.

utterance: OK. Guess while we're on the phone if you just could do it quickly that would be great.

utterance: Sure.

utterance: Of course.

utterance: Gonna do it right now? I'm doing in the process of doing it.

utterance: OK. What else are you doing?

utterance: all my attention is on you right now.

utterance: Oh. What a great customer service representative you are.

utterance: let's see here you were declined.

utterance: OK. All right. I'm not really surprised. So now you said that I'll get a letter explaining why. A detailed letter?

utterance: Yeah.

utterance: Yes yes, you will. And should come within five business days.

utterance: Mm OK.

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

utterance: I heard that there's an app available that I could download. can you tell me how to access that?

utterance: Uh-huh.

utterance: So are you interested in online banking?

utterance: Yeah, I guess I am.

utterance: Oh, great, perfect. Well online banking is really simple, we have an app And it you can even you could transfer account balances, you could check your balance, you could you could deposit checks on there. And it's so simple. can be done in the palm of your hand I can email you a link and if you want to go to the website and you can download the app from there. What's your email?

utterance: Mhm.

utterance: Oh.

utterance: Mhm.

utterance: OK.

utterance: My email is Porgis pies at Yahoo dot com.

utterance: Porgis pies at Yahoo dot com. All right. And it should be in your inbox now. Yeah. Thank you very much. Is there anything else I could do?

utterance: Yeah.

utterance: OK. Great. Thank you.

utterance: No.

utterance: All right. Well thank you for calling.

utterance: OK. Bye.

utterance: Bye.


utterance: Thank you for calling Intellibank how may I help you?

utterance: Hello sir how are you doing? This is Shawn Erics and just wanted to give you a call in regards to paying off my credit cards and everything so need to do that but before I get started I wanted to ask you in regards to what's going on with the website I tried to you know give a you know do updated information on there and kind of just go through there but I couldn't get it done or anything like that.

utterance: I'm sorry to hear you're having trouble with the website sir.

utterance: Yeah that's why I had.

utterance: To call.

utterance: I'm.

utterance: Unaware of any service outages perhaps it's an issue with your browser or there's a.

utterance: Maybe maybe maybe not maybe you guys on that side we got strong internet here but don't know that but yeah going forward.

utterance: OK.

utterance: Trying to pay that just want to follow up on that. .

utterance: OK well I'm.

utterance: Happy to take care of that for you here and then we can look into what's happening with your account online.

utterance: All right cool.

utterance: so can you give me your name, date of birth again?

utterance: Yes my name is Eric Robert Erics I mean I'm sorry that's my middle name Shawn Erics and just wanted to call and get this payment done but I'm not for sure in regards if I can pay the full price so I kinda wanted to see what can be done.

utterance: OK.

utterance: Got it can you give me your date of birth actually.

utterance: yes it is November twelfth nineteen ninety-two.

utterance: OK great and the the credit card number that you're looking to pay off.

utterance: Yes, credit card number is forty forty-three eighty-eight nine zero two six zero six seventy-seven zero eighty-eight three.

utterance: Got it.

utterance: Thank you. it appears the balance is one thousand two hundred fifty-six dollars and fifty-two cents.

utterance: Cool.

utterance: you would like to be making a full payment or a partial payment today?

utterance: No.

utterance: I would think I would just do three hundred. yeah. That's a good one.

utterance: Three hundred? OK.

utterance: Sure.

utterance: That works can you give me your checking account information for the payment you'd like to use.

utterance: Yes the checking account is three three eleven forty-five sixteen seven six one.

utterance: OK and the routing number?

utterance: The routing number is two eight two nine three eight five three five.

utterance: Got it.

utterance: And would you like this to be taking effect today or what payment date would you like me to enter?

utterance: is there any way we can maybe cuz I get paid next week.

utterance: Mhm.

utterance: Could I start just set this up for next week?

utterance: Sure.

utterance: OK cool.

utterance: Got it. So which day next week?

utterance: Tuesday Tuesday.

utterance: Tuesday the eighth. OK great.

utterance: Yes.

utterance: Fantastic then I have you set down to make a three hundred dollar payment next week Tuesday the eighth and of course you can go online in order to set up future payments or to set up an auto pay so that you don't have to remember to make payments every month would you like to do any of that?

utterance: I can set that up for you or if you want to jump on the website you can always go there to check out your balances and check transactions and everything of that nature.

utterance: Mhm.

utterance: is there anything else I can help you with in terms of sorting out what was going on with your online account? I'm unclear what what the issue was with signing in.

utterance: Oh yeah man I I don't know it kept kicking me out or whatever but maybe it was my browser maybe it wasn't.

utterance: Mm it's always good to clear your cache there could be something interfering and to make sure that you are not using a pop up blocker sometimes that will interfere with the windows

utterance: Oh.

utterance: I did not know that.

utterance: Yeah that can be.

utterance: Thought pop ups were good for you.

utterance: They block everything.

utterance: yeah I mean usually you are blocking you know ad pop-ups, or whatever you know for this you need to have it the ad blocker paused on our website so that we're able to get all the information to you.

utterance: Oh OK, OK.

utterance: I see.

utterance: I see.

utterance: Yeah I hope that helps and if that doesn't solve the issue you can always give us a call back or send us an a message on the live chat on the website and a representative will get back to you about dealing with that.

utterance: Mm.

utterance: Alrighty.

utterance: Thank you so much man greatly appreciate you.

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

utterance: No you covered everything and I'm ready to go so I got it got it done by next for Tuesday so we're good.

utterance: Excellent well I appreciate your business and please give us a call if there's anything else we can help you with.

utterance: All right thank you so much.


utterance: Hi, thank you for calling Intellibank. My name is Pearl and how may I help you today?

utterance: Hey, Pearl. How are you doing today?

utterance: I'm doing quite well, ma'am. Thank you so much for asking. I hope you're having a wonderful day yourself.

utterance: Yes, ma'am, I sure am. This is Valarie calling with Wheeler's Discount Auto. I was calling to see if I could check the balance of our SBA seven A loan?

utterance: I'd be more than happy to assist you with that today. I do need to get some information from you so I can pull up your account. May I have your first and your last name, please?

utterance: Sure. Again this is Valarie. V A L A R I E. And my last name is Warren. W A R R E N.

utterance: Thank you so much, Ms. Warren, and may I also have your date of birth, please.

utterance: Sure, it's July the fifteenth nineteen fifty-nine.

utterance: All right, I have July the fifteenth nineteen fifty-nine, and can I have your complete PIN number as well?

utterance: Absolutely, its three one one one six three seven eight.

utterance: All right, Ms. Warren. I have three one one one six three seven eight.

utterance: Yes, ma'am. That is correct.

utterance: Thank you so much. Now, you said it was the SBA seven A loan you'd like to check the balance for?

utterance: Yes, ma'am. That's correct.

utterance: Thank you so much. May I have that account number, please?

utterance: Absolutely, well, oh, I am so sorry, Pearl. I do not have that right in front of me. It's in the office. Would you mind holding for just one second while I run and grab that?

utterance: That's not a problem whatsoever, Ms. Warren. Just let me know when you're back.

utterance: OK, great. Thank you, and again I apologize.

utterance: OK. Pearl, are you still there?

utterance: Yes, ma'am. I sure am.

utterance: OK. Are loan account number is eight two five nine zero eight zero three two six.

utterance: OK. I have eight two five nine zero eight zero three two six?

utterance: Yes, ma'am. That's correct.

utterance: Thank you very much. I am showing that balance at seven hundred ninety-three thousand four hundred three dollars and seventeen cents.

utterance: OK. Great. That was seven hundred ninety-three thousand four hundred three dollars and seventeen cents?

utterance: Yes, ma'am. That is correct.

utterance: OK. Great. Thank you. And while I have you on the phone, Pearl. Could I go ahead and check and see what the available balance is on our Intellibank Business Platinum Card?

utterance: I'd be more than happy to check that for you, Ms. Warren. May I have that credit card number?

utterance: Sure, it is four nine two nine two seven six seven nine two seven six five one six two.

utterance: That was four nine two nine two seven six seven nine two seven six five one six two?

utterance: Yes, ma'am. That is correct.

utterance: Thank you, Ms. Warren. I'm showing the available balance for that Platinum Card is eight thousand one hundred eight four dollars and thirty-six cents.

utterance: OK. So, eighty-one eighty-four thirty-six?

utterance: Yes, ma'am. That is correct. Was there anything else I could help you with today?

utterance: yes, ma'am. I'm so sorry. Just one more thing? Could I also go ahead and check the balance in our Intellibank Business Preferred checking account?

utterance: I'd be more than happy to check that for you, Ms. Warren. May I have that account number, please?

utterance: Yeah, absolutely. It is zero zero three eight three four nine six nine.

utterance: OK. That was zero zero three eight three four nine six nine?

utterance: Yes, ma'am. That is correct.

utterance: Thank you so much, Ms. Warren. Just one moment. I'm showing your balance in your Preferred Checking at one hundred fifty-six thousand dollars four hundred Excuse me, one hundred and fifty-six thousand four hundred and nineteen dollars and fifty-two cents.

utterance: OK. That was one hundred fifty-six thousand four hundred and nineteen dollars and fifty-two cents?

utterance: That is absolutely correct, Ms. Warren.

utterance: OK. Great. Thank you so much for your help today, Pearl.

utterance: That's not a problem, Ms. Warren. Was there anything else I can help you with?

utterance: No, ma'am. That'll be all.

utterance: Well, thank you so much for calling Intellibank, and have a wonderful day.


utterance: Thank you for calling Intellibank. This is Nicole, how can I help you?

utterance: Hey Nicole. How are you doing today?

utterance: I'm doing well. How about yourself?

utterance: I'm doing good. I'm doing very good. So I wanted to call because I've been a long time customer of Intelligent Bank.

utterance: And

utterance: Oh yeah, I'm so sorry. I I don't mean to overset my bounds but it's Intellibank but so many people call it Intelligent Bank. We are very intelligent at Intellibank but I just wanna let you know, it's Intellibank.

utterance: why did they stop at Intella? Why didn't they just keep going with Intelligent?

utterance: I know. I I think we should do the name change because so many people really seriously, call and they say Intelligent Bank.

utterance: Yeah.

utterance: I I I've been calling it that for years. Since I've been a customer probably. OK this this is like the first time I've actually ever called. all right that's funny. So now I'm like laughing in my head cuz I see all the commercials and it doesn't even click in my head. But anyway.

utterance: Oh, no!

utterance: Right.

utterance: So I got a I I did get a notice in the mail from Intellibank. about some different loan programmes and I was you know like I said I'm a customer of your bank, I have a business and I have a flower shop and I was thinking about adding a couple more delivery vehicles to our fleet and I thought this might be a good way to do it. so I was wondering if you can like maybe talk to me about this and figure out what the best options are for me.

utterance: Right OK. Well I know we sent notices out to our small business owners in the past couple of weeks about our secured loan. and then our secured loan is a type of loan when you have to put something up for collateral.

utterance: Oh OK OK.

utterance: But the the only thing about that is if you default on it that can be repossessed, whatever you put up, so that's what we're offering this month. Is that something you might wanna explore for your business?

utterance: Right.

utterance: Yeah I I mean I feel very confident, my business has been in around for almost ten years now and we've been we've been doing pretty good.

utterance: OK. All right great. Do you have a few moments to just fill out the application with me?

utterance: Yeah I do actually, yes.

utterance: OK.

utterance: All right great so what is your first and last name?

utterance: My name is Mike Arnold.

utterance: OK Mr. Arnold. And what is your personal customer address?

utterance: my home address is two two one.

utterance: Yeah.

utterance: Mhm.

utterance: Forge Road.

utterance: OK.

utterance: And that's Valley Forge, Pennsylvania.

utterance: OK.

utterance: One nine oh one oh.

utterance: OK. And is Valley Forge one word or is it two? Two words OK. All right perfect, and do you happen to have you driver's license number on you Mr. Arnold?

utterance: It's two words.

utterance: yeah lemme lemme get it out of my wallet here. OK so the driver's license number is, it's from Pennsylvania, and the number is two two.

utterance: Mhm.

utterance: Oh eight five.

utterance: OK.

utterance: Three seven four.

utterance: All right and your PIN number?

utterance: the PIN is one two eight zero.

utterance: OK. and Mr. Arnold, what is your email address?

utterance: It's Mike Arnold nineteen eighty at Gmail dot com.

utterance: All right. And are you the sole owner of the business?

utterance: I am.

utterance: All right and what was your business establish date?

utterance: Oh it was what was the date? It was June first.

utterance: OK.

utterance: Twenty twelve.

utterance: And your gross annual sales?

utterance: it's a hundred and seventy-five thousand a year.

utterance: All right. and I'll need your tax ID number if you have that.

utterance: Mm lemme get that one, hang on one second for that one as well.

utterance: Sure.

utterance: Take your time.

utterance: OK that is oh nine.

utterance: Mhm.

utterance: One five.

utterance: OK.

utterance: Seven one Excuse me. Six six three.

utterance: OK. and what is your business street address?

utterance: the business address is thirty-one hundred.

utterance: Mhm.

utterance: Valley Road.

utterance: OK.

utterance: And that's in Malvern, Pennsylvania.

utterance: OK.

utterance: And that's one nine one three one.

utterance: OK and is that M A L V E R N E? No E? OK. Perfect. All right and where would you like your mail sent to? The business or your home?

utterance: N

utterance: no E. Yeah.

utterance: Yeah, absolutely to the business.

utterance: Business?

utterance: OK. And what would you be putting up for collateral?

utterance: my home.

utterance: OK. and so the loan purpose, we'll put down expansion, expanding the business? OK. And what amount are you looking for on this loan?

utterance: Yes, please. Mhm.

utterance: forty thousand dollars.

utterance: Alright.

utterance: and your loan term? Like when do you think that you'll be able to pay it back?

utterance: seven years.

utterance: Seven years?

utterance: Mhm.

utterance: All right. All right so I have your application all set up. All we need from you now, you'll get an email.

utterance: OK.

utterance: If you didn't already telling you all the supporting business documentation that we're gonna need for you to upload, send it over to us.

utterance: OK.

utterance: So that we can start processing like we'll need a copy of your business licence, your deed to your house, your mortgage information. It'll it'll tell you, it will break everything down that you need. You know, the documentation you need to upload to Intellibank.

utterance: OK.

utterance: And then we can get the process started. It'll take about usually about twenty-four to forty-eight hours to get an answer.

utterance: OK.

utterance: and yeah it it's just get that to us right away, this way we can get the process started. And Mr. Arnold is there anything else that I can help you with?

utterance: No that's everything.

utterance: All right well thank you for being part of Intellibank and we'll be in touch soon.

utterance: Thank you so much.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Lisa. I'm calling to get information on my stocks.

utterance: OK. So, do you have an an account with us?

utterance: Yes I do.

utterance: OK, let me pull that up for you here. Can I have your first and last name please?

utterance: Hi it's Tammy Couch.

utterance: Can you spell your last name?

utterance: C O U C H.

utterance: Great, thank you. And your address please?

utterance: One eight three five Rice Boulevard. And that's in Fairborn Ohio. Four five three two four.

utterance: Great. And your date of birth?

utterance: It is May ninth nineteen sixty.

utterance: And your social security number?

utterance: It is two six nine six eight four three seven three.

utterance: OK. Can I have your driver's license number please?

utterance: I'll have to get that, hold on, can you hold on a minute? OK. OK, I'm back.

utterance: Sure.

utterance: OK.

utterance: My driver's license number is F T two eight zero eight eight one.

utterance: And what state was that issued in please?

utterance: Ohio.

utterance: Thank you. And your customer PIN number?

utterance: Five seven zero seven seven one.

utterance: Thank you and your businesses address or your business name, I'm sorry, is Brass and Chain?

utterance: Yes.

utterance: And you're the sole owner, is that right?

utterance: Yes.

utterance: Great. Can you give me the establishment date?

utterance: January first, of Twenty twenty.

utterance: Thank you, all right. And let's go ahead and pull your stocks up here.

utterance: And you wanted the quote on the stocks? Or what information were you looking for?

utterance: I like to know what the current value of the stocks are. for Amazon?

utterance: For Amazon? All right. It looks like, for Amazon, your total value right now is thirteen thousand, seven hundred and fifty-eight. Are you interested in the value of your other stocks?

utterance: Yeah, Walmart.

utterance: OK. Walmart is gonna be fourteen thousand seven hundred and sixty-eight dollars.

utterance: OK hows the weather there?

utterance: The weather here's not bad, it's warm an it's not raining.

utterance: that's good. It's raining here.

utterance: That stinks.

utterance: It's supposed to rain for a little while and then stop later this afternoon.

utterance: That stinks.

utterance: Well.

utterance: Can I tell you about online banking where you can check the the quote of your stocks at any time?

utterance: Yes.

utterance: Do you have online banking with us?

utterance: Not yet.

utterance: OK, great. So, you would either download our Intellibank app or go to WWW dot Intellibank dot com.

utterance: OK.

utterance: An you gonna click on the the online banking tab at the top.

utterance: OK.

utterance: And then after that your going to click on register.

utterance: OK.

utterance: And you'll enter in your name, your address your date of birth, your social security number, just the same things that I've asked you. Your customer PIN.

utterance: OK.

utterance: And that'll verify who you are.

utterance: OK.

utterance: And after that, when it clicks the information and verifies that it's correct you'll be able to log in and see all your account information. So, you'll be able to see your checking account balance and transactions. Your savings account balance and transactions. along with your credit balances.

utterance: OK.

utterance: OK.

utterance: You can pay for anything you want. Such as your credit card bills, or your over limit, overdraft. Payment protection.

utterance: OK.

utterance: you can, for your stocks you can go in to the stock tab and click on I'm sorry, the investment tab. And click on each stock separately. That'll give you their their current value.

utterance: OK.

utterance: by stock and then your total current value.

utterance: Can I buy and sell stocks online?

utterance: Absolutely. So, there's a buy tab or a buy button under the invest tab. and there's a sell button under the invest tab.

utterance: OK.

utterance: And use these buttons to buy and sell any stock that you want to.

utterance: And how do I order cheques?

utterance: Ordering cheques is easy, so you're gonna go to the the accounts button and you're gonna click on the account that you want to order the cheques for. So, in this case, it'd be your checking account. And then you're going to go to that account and you hit order, the order button. And then you'll be able to order the amount of cheques you would like to have.

utterance: OK.

utterance: OK.

utterance: So, you can either pay a regular generic brand of looking checks or you can pick a deluxe brand, which is cartoons or your banks or your, I'm sorry, or your businesses no, your businesses icon an an graphics.

utterance: OK.

utterance: How does that sound?

utterance: OK. That sounds good.

utterance: All right. Is there anything else I can help you with today?

utterance: no, I think that was it.

utterance: All right, you have a good day.

utterance: You too. Bye bye.

utterance: Bye.


utterance: Hello, thank you for calling the Intellibank call center. My name is Ralph, how can I help you today?

utterance: Hey Ralph. I'm calling because I wanted to make a, a wire transfer and then I also wanted to to apply for the SBA five oh four loan.

utterance: OK, I can help you with both of those on the phone today.

utterance: OK great.

utterance: Let's get you started on the wire transfer first of all.

utterance: Mhm.

utterance: I need your first and last name.

utterance: first name is Shiv. Last name is Max.

utterance: All right. Your date of birth?

utterance: Date of birth is October seventeenth.

utterance: And that would be nineteen ninety-five.

utterance: And your PIN number?

utterance: PIN number is one two three four.

utterance: What's the withdrawal account number?

utterance: sure. That's zero zero three three nine nine eight.

utterance: The transfer amount you are making today?

utterance: ten thousand dollars.

utterance: And your transfer type, domestic or international?

utterance: International.

utterance: OK. I need the deposit routing number from you as well.

utterance: Sure. Three six nine seven two three.

utterance: And can I please have the deposit account number?

utterance: eight zero zero nine two three.

utterance: OK, I'm gonna put all that information into the system here and see if that wire transfer can complete in a timely manner. Will take just a minute though for our systems to update If you could just please stand by.

utterance: OK.

utterance: All right. How are you doing today?

utterance: I'm all right, how are you doing?

utterance: Pretty good over here at the call center, thank you.

utterance: Right.

utterance: just taking its. Oh. Just taking a second.

utterance: it looks like it went through. .

utterance: OK great.

utterance: Perfect.

utterance: OK so, we can move on to the SBA five oh four loan for you.

utterance: Mhm.

utterance: I need your address.

utterance: Didn't I just give it to you?

utterance: You need it again?

utterance: No, I did not. We do not have an address.

utterance: You . Are you sure you don't have a, just an address on file for me? Do I really have to repeat all this information to you?

utterance: OK, well I can access your account and do you have the address on file as two four one Oak Street?

utterance: No

utterance: That's my. That's my old address. You guys didn't update my information? Really?

utterance: No

utterance: If you can provide that right now, I can go ahead and do that right now.

utterance: All right.

utterance: Sure. It's sixty-three hundred Yucca Street.

utterance: Sixty-three hundred Yucca Street. Is that still Ontario, California?

utterance: Yep, that's right.

utterance: Nine one five two four?

utterance: Mhm.

utterance: OK.

utterance: Sorry about that.

utterance: Yep.

utterance: And your social security number?

utterance: Why do you need that? Why do you need my social?

utterance: Just to make sure that your loan is not tampered with. These are just security measures we take to make sure that your money and our funds provided to you in the loan are secure at Intellibank and these are the measures we take to protect our customers.

utterance: All right, well, I mean, I really only feel comfortable giving you the last four digits.

utterance: I will need the whole Social Security number in order to process the loan today. I'm sorry.

utterance: The whole number, really? I have to give you the whole number? Is there like an alternative form of ID I can give you instead?

utterance: Yes.

utterance: That's all I can do today. If you wanted to.

utterance: All right. I mean, can, is there like a supervisor I can speak with at the end of this call?

utterance: I can send in a request for you at the end of the call. I just wanna make sure I get this loan processed for you though.

utterance: OK fine. Let's sure. Two five zero three three five four three zero.

utterance: OK I need your ID number as well.

utterance: Oh OK three six seven eight nine ten C A.

utterance: All right, and your PIN number.

utterance: Seven seven seven seven.

utterance: Email address?

utterance: Email address that's Shiv Max at AOL dot com.

utterance: What's the name of your business?

utterance: Name of my business is Shiv's Steakhouse.

utterance: You're the sole owner of this business or somebody else? .

utterance: Yep,

utterance: Sole owner.

utterance: All right. What, what date was the business established?

utterance: that was October of twenty sixteen.

utterance: And what are your gross annual sales?

utterance: sixty-three thousand.

utterance: Also need your tax ID number.

utterance: Seven three eight zero.

utterance: And business address?

utterance: Business address is sixty-three hundred Wilshire.

utterance: City state and ZIP code?

utterance: Los Angeles, California, nine zero zero five four.

utterance: Is that also the mailing address of the business?

utterance: Yep.

utterance: OK. What's the purpose of your loan?

utterance: to restock supplies.

utterance: All right, what's the loan amount you are seeking?

utterance: let's go with twenty thousand.

utterance: Twenty thousand dollars.

utterance: And as a down payment today, what percentage between five and twenty percent would you like to put down that loan?

utterance: Five percent please.

utterance: Five percent. We'll start you there.

utterance: All right. So I will process that loan for you immediately. It will take seven to ten business days for it to pay on it official for approval. You'll be notified by email and as you requested, I will forward this information to a supervisor. I assure you I am here to provide you with the best quality customer service I can, but a supervisor will still call you back if you'd still like that to happen.

utterance: OK, yeah, that's, that's fine.

utterance: OK. I'll put that in, in the request form here and we'll have somebody call you back within the next twenty-four hours.

utterance: OK great, thank you so much.

utterance: Thanks for calling. Bye bye.


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

utterance: Hi. My name is Henry. Henry Truman.

utterance: Hi Henry.

utterance: And the reason for my call is because. So I I do have. I have a rewards card with you and I also I mean I have a business I have a business account. and so I'm looking to expand potentially my business and in order to do this I I need an SBA loan.

utterance: Mhm.

utterance: And

utterance: So I I have other business accounts in other places but I don't know. I've had a really good experience with the rewards card with with with Intellibank so I think it it just makes sense to, you know, get this business loan through Intellibank. Like that that would probably most convenient for me.

utterance: Well I'm glad to hear that you've been having such a good time with us. we strive to keep you satisfied. So I can go ahead and pull up your account information right now.

utterance: Oh, please. Please do. Yes.

utterance: And would you mind spelling your last name for me.

utterance: Absolutely. yeah, so, my my my last name so my first name's Henry. Last name is Truman, you know, like like like like the show. T R U M A N.

utterance: OK. Great. Great. And can I go ahead and get your credit card number.

utterance: Yeah. Yeah. Yeah. Hold on. It's. It's in my. It's in my briefcase. Hold on. Oh. Hold on. I I I thought it was in my briefcase. I think it's in my pants pocket. Hold on. Hold on. It's. Maybe it's in my coat. Hold on. I got it. I got it. It's getting. It's getting cold over here. Is it cold where you're at?

utterance: it's a little cold. It is. The weather's changing.

utterance: It's you know. Fall is definitely here here to say. But You know, you wear so many layers that sometimes, you know, it's easy to misplace a coat. You know what I mean?

utterance: Yes. Of course. Well if you can't If you don't end up being able to find that card. We can proceed with your account number.

utterance: Oh. I think that yeah. I could give you the account number.

utterance: OK. I'm ready whenever you are.

utterance: It's one zero zero two two nine.

utterance: OK. One zero zero two two nine?

utterance: That's it.

utterance: OK. Great. So let me pull up your account for you. so before we proceed, I'm just gonna need to verify some information for the security of your account.

utterance: OK. Yeah.

utterance: OK. Great. So can we start with your birth date please?

utterance: So birthday is eleven eleven ninety-one.

utterance: Eleven eleven nineteen ninety-one. OK. Great. And what was your PIN number?

utterance: PIN number. Six seven five.

utterance: Six seven five. OK. Great. And now I'm just going to go ahead and ask you a few security questions. What is your favorite musician?

utterance: My favorite musician is definitely Kenny G. I just love some Kenny G.

utterance: OK. Great.

utterance: Do you like Kenny G?

utterance: And.

utterance: I've never heard Kenny G.

utterance: Oh. You are missing out. You gotta.

utterance: I'll definitely have to give him a listen then. OK. And so, you. The next question is what street did you grow up on?

utterance: Absolutely.

utterance: I grew up on Utica Ave in in Brooklyn. You ever been there?

utterance: No. I can't say that I have. But yup. OK. That's coming up in the system. Utica Ave. OK. Perfect. So I'm pulling up your account right now. Just give me one moment. OK. I'm in your account. And you wanted to find out your financial information today?

utterance: OK.

utterance: Yeah. I I'm I'm looking to get the more than anything the quick liquidity ratio.

utterance: OK. Yes. Of course. I can check on that right now. OK. So you are at point three three.

utterance: Oh, that's that's wonderful. Right? Is that. That's that's great, right? That's that's like as good as it gets, right?

utterance: Yeah.

utterance: yeah. I mean there's always room for improvement. you haven't been with us for, you know, super long. So, something to look forward to. but yes, is is there anything else I can look up for you? Or or is.

utterance: No.

utterance: You you're so encouraging. OK. I'll I'll definitely. I'll I'll apply on on on the website.

utterance: OK. Great. well I'm happy that I could help. Is that it?

utterance: That's it. Thank you so much.

utterance: OK.

utterance: You're welcome. Have a good day.


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

utterance: Yes, I'm trying to find out what I owe for my credit card.

utterance: All right. I can help you with that. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: You can call me Jill.

utterance: All right, Jill. So are you wanting to find out your current credit card balance or the current amount due?

utterance: So I want to find out how much I owe.

utterance: All right, Jill. So is this a business account for you?

utterance: Yes, it is.

utterance: And what is your credit card or your account number?

utterance: My credit card number is two eight nine four nine zero zero zero three.

utterance: OK, Jill, what is the business name?

utterance: It's Johnson Controls.

utterance: All right, Jill, what is your date of birth?

utterance: It's March second of nineteen eighty.

utterance: OK, Jill, so it looks like you have a four digit PIN number on this account. Could you share that PIN number with me as well?

utterance: It's six four seven eight.

utterance: I'm sorry. Can you tell that PIN one more time?

utterance: Oh, my goodness. I'm so sorry. It's actually nine three zero eight. I'm so sorry. I changed it a while ago. Can you just disregard that last number? It's nine three zero eight. That's the PIN.

utterance: OK. Yes, yes, that is correct. Jill, what is the city and state that you're in?

utterance: It's Kansas City, Missouri.

utterance: OK, and can you tell me the street address for that for you?

utterance: Yes, it's five three nine Houston Avenue. that's my address for my home and yes, that's my address.

utterance: OK, what is the ZIP code there?

utterance: it's ZIP code seven one five two.

utterance: OK. All right, Jill. So I have your account pulled up. Are you wanting to know the monthly payoff balance or the monthly payment due?

utterance: Can I get both of them?

utterance: Yeah. Absolutely. So it looks like the currents current balance owed on your Intellibank Gold Corporate credit card is ten thousand dollars eight hundred and, ten thousand eight hundred and seventy-three dollars and ninety cents. and it looks like the current monthly payment due on October thirtieth is three hundred and eighty-nine dollars and forty-five cents. did you need to make a payment today while I have you on the phone?

utterance: So would you be able to email me my current statement for that by any chance?

utterance: Yeah, I can do that. Can you verify your email for me?

utterance: Yes, it's J Baker Jill Baker at Johnson Controls dot com. I'm sorry. Can you hear me? It's, it's. I'm in my car and it started to pour down rain.

utterance: OK, are you, are you somewhere stopped or would you like to give me a call back?

utterance: Hey, no. I'm still I'm still sitting in the park and all. It just started raining really hard and I didn't even know it was supposed to rain.

utterance: Yeah, I actually just got an alert on my phone maybe a few minutes ago saying that we are under a severe thunderstorm warning.

utterance: Are you serious? I didn't even check the weather this morning but it wasn't overcast or anything when I left this afternoon. It just literally just came out of nowhere while I was talking to you.

utterance: Well, I, I don't wanna keep you on the phone if it's storming out. Did you, did you mean you want me to take a payment for that card for you over the phone or was there something else I could help you with?

utterance: No, I don't want to make a payment right now. I think I might want to just pay the balance off in full but I really need to go and do some figures to see what's, what money I have available to do that with.

utterance: Not a problem, Jill. Do you have access to online banking?

utterance: yes. I have an online banking account.

utterance: All right, perfect. If you have access to online banking then you can actually check your, your account balances and make payments for your credit card on there. You just need to log into your account and then at the top of the page there'll be some tabs. And you'll wanna select the tab that says credit on it. Once you go to that credit tab, it should. If you only have one one credit card, it will only pull out one credit card up. if you have several, it will show all of them. But you'll select whatever credit card you wanna see the balance of. It'll tell your balance on there. And you can also make payment on there as well.

utterance: So I could pay like the entire balance off there or would I have to just make single payments?

utterance: No, you should be able to pay off the entire balance. It should give you an option in the breakdown for that credit card on the online account where it'll say full payoff or whether or not you wanted to make your minimum payment due. So you'll just have to select which one you wanna do and then set up your payment from there.

utterance: OK. So can I pay it from my Intellibank account or through the online banking?

utterance: Yes, so if you're wanting to pay that off with your Intellibank business or checking account you can do that. It'll actually ask you for an internal transfer once you go to their online banking system. So you can internally just transfer it from one account to your credit card to do that payoff. But if you have any trouble with it, you can always give us a call back here and we can help you with that as well. Was there anything else I could do for you today, Jill?

utterance: No, I don't think so. I think that was everything. I really appreciate it.

utterance: Not a problem at all, Jill. Thank you for choosing Intellibank. You, you drive safe OK and stay and stay stay safe in that weather, all right. I, I don't wanna see you driving in that, in that rain. OK?

utterance: All right. Well, I appreciate it. You stay safe as well.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank. This is Maxwell. How may I help you today?

utterance: Hi I'm I'm having trouble remembering to pay off my loans each month. And I feel like I signed up for some email reminders but I never got them. And it's just like I can't keep paying all these late fees. Yeah is there any way to like fix that ?

utterance: Yeah I would recommend setting up a automatic loan payment from one of you accounts. So every month the loan amount will just be debited out.

utterance: Oh.

utterance: Is that something you'd be interested in doing today?

utterance: yeah I think so.

utterance: All right great.

utterance: Is there like a fee for like taking the automatic?

utterance: no not at all.

utterance: OK. All right. Let's do it.

utterance: Great. So let's start by pulling up your account. And to do that I am going to need your full first and last name as it appears on your Intellibank account.

utterance: Angela Green.

utterance: And you're date of birth.

utterance: September seventh nineteen ninety-four.

utterance: And your twelve digit account number?

utterance: Three seven seven seven eight two one three five six one eight.

utterance: All right and your four digit PIN.

utterance: Oh my God I'm sorry. I just I never remember where I put my PIN.

utterance: Do you ever do that? Just like forget where you put your passwords? These like sticky notes on my desk.

utterance: All the time.

utterance: Oh OK I found it.

utterance: Oh great.

utterance: Oh my God. I have such a hard time reading my own hand writing. I got some seven and six one five.

utterance: Yup. That is correct.

utterance: Great.

utterance: hold on just a moment here while we pull up your account.

utterance: How's your day going?

utterance: Not too bad, yourself?

utterance: It's going all right. I'm pretty tired.

utterance: Yeah I really have to make time to clean up this desk. It's like really affecting my work flow.

utterance: I hear you my desk is so messy.

utterance: Do you have any like fun objects on your desk? You know people bring in like pictures of their family.

utterance: Oh I got a couple of pictures. Picture of my daughter and you know a couple of bobble heads. But you know it's time to time to change it up I think.

utterance: What kind of bobble heads do you have?

utterance: Oh just some baseball players from our team here in Arizona.

utterance: Oh Arizona. Nice.

utterance: All right I have your account pulled up.

utterance: So which account would you like that debited from every month?

utterance: I think the checking one.

utterance: All right and what is that twelve digit account number?

utterance: It should be six eight three four one five nine nine three two.

utterance: All right and your nine digit routing number?

utterance: I think that is three two two seven six three four eight five.

utterance: All right.

utterance: And what amount will be debited out each month?

utterance: I think that the statement each month says forty-two dollars and sixty-seven cents.

utterance: All right.

utterance: And what date every month would you like this debited?

utterance: Well my credit card bill was due on the eighteenth so maybe like the twenty-first?

utterance: All right. This will just take a second here while this loads.

utterance: Mm.

utterance: All right well this is all set. Is there anything else I can help you with today?

utterance: I don't think so, thank you.

utterance: Then thank you for calling Intellibank and have a wonderful rest of your day.