utterance: We're having a wonderful day here at Intellibank. This is Ellen speaking. How may I assist you today?

utterance: Hey Ellen I'm calling from Big Bear Stores and I'm meaning to make a couple of internal transfers if I could please.

utterance: I'd be more than happy to assist you with that today ma'am. I need to get some information so we can go ahead and pull up your account may I please have your full name as well as your birth date?

utterance: Sure this is Patti P A T T I my last name's Turner T U R N E R and my date of birth is July the thirtieth nineteen sixty-six.

utterance: Thank you so much Ms. Turner I have your last name spelled T U R N E R and your date of birth as July the thirtieth nineteen sixty-six.

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

utterance: Thank you and may I also have your PIN number please?

utterance: Oh, you know what? I was so busy make sure I got all the account numbers and everything written down. I'm in an office I'm not usually working at and I completely forgot to write down the PIN number. Would you mind holding for just one second while I run and grab that?

utterance: That's no problem whatsoever Ms. Turner just let me know when you're back.

utterance: OK, thank you Ellen it'll just take one second. OK, Ellen are you still there?

utterance: Yes, ma'am I sure am Ms. Turner. Were you able to locate your PIN number?

utterance: Yeah, I sure was PIN number is five oh two seventy-two four ninety-four.

utterance: Thank you. That's five zero two seven two four nine four?

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

utterance: Thank you so much. And you said that you had multiple internal transfers to take care of today?

utterance: yeah two actually.

utterance: All right, that's no problem whatsoever. Let's go ahead and get started with the first one. May I have the account number that you would like the funds withdrawn from?

utterance: Yeah, that'll be from our savings and that account number is four nine eight five six eight sixty-two thirty-eight.

utterance: I have four nine eight five six eight six two three eight.

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

utterance: Thank you so much. And may I have the account number you would like the funds deposited into?

utterance: Yup this one will be into our checking and that account number is nine thirty-three triple nine eighty-four twelve.

utterance: I have nine three three nine nine nine eight four one two was that correct?

utterance: Yes, ma'am.

utterance: Thank you and how much would you like to transfer?

utterance: for this one we need to do four thousand two hundred and one dollars and eighty-one cents.

utterance: All right, I have four thousand two hundred one dollars and eighty-one cents.

utterance: Yes ma'am that is correct.

utterance: Thank you so much Ms. Turner. Just one moment while I get this processed for you. OK, Ms. Turner I do have that processed for you. I do have the four thousand two hundred one dollars and eighty-one cents transferred out of the account number ending in six two three eight and deposited into the account number ending in eight four one two. and I'm ready to go ahead and proceed with the second internal transfer when you are.

utterance: OK, I'm ready.

utterance: Thank you Ms. Turner. may I have the account number that you would like the funds withdrawn from from this one?

utterance: yeah it'll be the same one as the last transfer the savings account number four nine eight five six eight six two three eight.

utterance: All right, so I have that account four nine eight five six eight six two three eight.

utterance: Yes ma'am.

utterance: Thank you and may I have the account number you would like the funds deposited into?

utterance: yeah, this one will be into our wealth management account and that account number is three seven four six one three nine eight two three.

utterance: Thank you. I have three seven four six one three nine eight two three.

utterance: That is correct.

utterance: this one will be nine thousand five hundred dollars even.

utterance: Thank you I have nine thousand five hundred dollars and zero cents. Was that correct?

utterance: Yup, it sure is Ellen.

utterance: Thank you so much. Just one moment while I get this processed. OK Ms. Turner I do have this internal transfer processed for you were there any other transfers that I could assist you with today? Or is there anything else I could assist you with today?

utterance: No ma'am, you have been extremely helpful Ellen but I think that'll be it.

utterance: All right, well thank you so much Ms. Turner for calling Intellibank and I hope you have a wonderful rest of your day.

utterance: Thank you Ellen you too.


speaker_role: Agent

utterance: Hello and thank you so much for calling Intellibank. My name is Hillary. And how may I help you today?

speaker_role: Customer

utterance: Hillary, I got a notice in the mail talking about your different loan products.

utterance: That you have there at Intellibank. And I was wanting to see about a couple of your loan products that you have there.

utterance: Mhm.

utterance: Can you give me a little bit more information about your SBA seven A loan please?

utterance: Certainly. And may I ask who I speaking to?

utterance: Oh, I'm I'm sorry about that. My name my name is Richard James.

utterance: Oh that's OK.

utterance: Hi Richard. How are you doing today?

utterance: I'm doing well. I'm doing well. How are you?

utterance: Great.

utterance: well I'm glad to hear that. I can definitely provide you information about the SBA seven A loan. but since you did start off by saying you just wanted some information about loans just to let you know we have different types. We have secured loans, term loans, of course real estate loans and the two different SBA loans.

utterance: The seven A that you're referring to is a business loan.

utterance: Mhm.

utterance: it's a little bit easier to obtain an SBA loan as opposed to a term loan just because it is also backed by the government so there is less of a risk factor.

utterance: And of course the interest rates will be lower.

utterance: OK.

utterance: OK. That sounds good.

utterance: OK.

utterance: well now you said there were a couple of other loans that weren't associated with the business?

utterance: Yes, well that are that are not associated with with the government, with the SBAs. But those those loans be would be coming directly through Intellibank.

utterance: With the government, OK.

utterance: Your SBA loans are associated with Intellibank but they are you know backed by federal federal funding or government funding I should say. And just so you know we can even do applications right here over the phone.

utterance: Oh you can?

utterance: Yeah, absolutely.

utterance: OK. Is it possible that we can start the process for the SBA loan?

utterance: Great. Let me go ahead and do that for you now. all right. So the loan will be under the name Richard James?

utterance: it should be under the company name right? Or is how does that work?

utterance: Well I'm gonna be putting I'm gonna be asking you for some information. So I'm asking if we're gonna be doing the loan under your name?

utterance: Oh, yes. Yes, it'll be under my name.

utterance: OK.

utterance: And what is your home address?

utterance: My home address is three one one seven Astoria Lane.

utterance: That's Los Angeles California, nine zero zero zero eight.

utterance: OK. Great. And your social security number?

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

utterance: OK. Great. And your driver's license and the state it was issued from.

utterance: It is a California driver's license.

utterance: Five two four six zero seven eight nine two three.

utterance: Great. And the best email address for you?

utterance: we can use my company address. R James at web dot net.

utterance: OK.

utterance: And James are you the soul business owner.

utterance: Yes, I am.

utterance: Great. And when was your business established?

utterance: May seventeenth two thousand and eighteen. Five seventeen twenty eighteen.

utterance: You

utterance: Have it down to the day, I love that.

utterance: Oh yeah. It's it's my son's birthday.

utterance: Oh, that's great. and excuse me. Mr. James your gross annual sales for last year two thousand twenty.

utterance: One point two million.

utterance: OK. And your tax ID number?

utterance: Tax ID is two zero seven six zero five five four three two.

utterance: All right. And if your business address is different than your home address what is that address?

utterance: Yes it is different. It is five seven eight five Westinghouse lane also in Los Angeles, California nine zero zero zero eight.

utterance: Great. And the mailing address is the same? Yes?

utterance: Yes. .

utterance: OK.

utterance: And what is the amount of the loan that you would like to take out?

utterance: Five hundred thousand.

utterance: OK. And how long would you like the terms for the loan? How many years?

utterance: We can do up to we we can do up to ten years.

utterance: What terms do you have?

utterance: Up

utterance: To ten?

utterance: I don't think we want that many. Let's do seven.

utterance: Seven years.

utterance: OK.

utterance: All right. And then you will be required to put a down payment upon approval of the loan anywhere from five to twenty percent.

utterance: OK.

utterance: What down payment would you like to put down?

utterance: we'll do twenty twenty percent.

utterance: OK.

utterance: All right. And the bank account number I see here you have our business total checking so I'll use that account number.

utterance: OK.

utterance: so I can fund it through there upon approval as well as the routing number. So I have that information. that finalizes your application for the seven B A loan. And I just sent you an email verification where there is also going to be a link to upload your photo documentation of your tax ID number and your driver's license.

utterance: Mhm.

utterance: And that will complete your application.

utterance: Is there a timeframe on when I will hear back from.

utterance: it should be between seven anywhere up to seven business days.

utterance: OK. Seven business days. OK, and I had a second. Oh, I'm sorry. Are we we're complete with that .

utterance: We're complete

utterance: Here, yes.

utterance: OK. I had a second question. There was something else I wanted to ask you about. The secured loan.

utterance: Did you wanna go ahead and apply for that today as well? OK. Terrific. Let's go ahead and get that processed.

utterance: Yes.

utterance: OK. And that will be under the same name and the same addresses?

utterance: Yes.

utterance: OK. Great. I'll I have that on your screen so let me just go ahead and input the name, Richard James. Same home address.

utterance: Yeah. Astoria Lane. Yes.

utterance: Sa~

utterance: Same Social Security number?

utterance: Correct.

utterance: Same driver's license?

utterance: Same email address?

utterance: Yes.

utterance: OK great. Still the same sole business owner. Same business establish date.

utterance: Correct.

utterance: Yes.

utterance: OK. Yeah, I kept that screen open just in case.

utterance: Mm, good.

utterance: All right, I got the gross annual sales. I have the tax ID number.

utterance: and for this loan same business address?

utterance: Yes, correct.

utterance: OK. And then say it's also the mailing address.

utterance: All right terrific. And for the loan amount. What would you like to apply for on the secured loan?

utterance: Secured loan we're going to do fifty.

utterance: Fifty thousand.

utterance: Fifty thousand. OK. And how long would you like this loan for?

utterance: This one can be up to five years.

utterance: Two. We're only gonna do two years.

utterance: Two years? OK. Terrific.

utterance: We just we just need to get a an upgraded product vehicle.

utterance: Terrific. And the purpose of this loan is for upgrades. OK. Great.

utterance: Yes.

utterance: Upgrade and security. We're gonna have to do security and insurance and everything that comes with that.

utterance: That just.

utterance: All right. Great. And lastly what collateral would you like to put up for this loan?

utterance: Well I have I have some stocks I can do. Would you prefer tangible?

utterance: Yeah you could.

utterance: Buy

utterance: Property.

utterance: Yeah, property, homes, cars.

utterance: I have a small property I could put up for collateral for that.

utterance: OK.

utterance: OK. I've got that address listed in here.

utterance: Yeah.

utterance: And.

utterance: No.

utterance: I I bought it through Intellibank so yes I .

utterance: OK terrific.

utterance: Well that completes the secured loan process.

utterance: And another link went out for that as well. And that way you can also upload the photo documentation for that.

utterance: That completes your process. Is there anything else I can do for you today, sir?

utterance: And the decision-making process on the secured loan is it about the same timeframe as the SBA?

utterance: Yes, it is.

utterance: Mhm.

utterance: OK.

utterance: Sounds good.

utterance: OK. Great. Well thank you for calling Intellibank and have a great day.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Yes. I need to add an authorized user and I need to apply for a term loan.

utterance: Certainly. I'd be glad to assist you with that ma'am and if I could just ask what your name is?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of the business with an account with us?

utterance: Jones Bed and Bath.

utterance: Terrific. OK and Ms. Richards I'll just need to ask you a few questions in order to verify your account what is your date of birth?

utterance: Eleven eleven eighty-four and my phone number is six seven eight two zero two. Four two five three.

utterance: OK thank you for that and what is your account number Ms. Richards?

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

utterance: And finally Ms. Richards, what is your pin number?

utterance: One zero one seven.

utterance: OK terrific thanks. And Ms. Richards you said you wanted to go ahead and add an authorized user to your account?

utterance: Yes.

utterance: OK if you could just give me their name. and the first and last name of the person you want to add to the account.

utterance: OK sure. You doing all right today?

utterance: I'm doing great ma'am. Thanks. it's been quite a busy day but I you know certainly I am happy to be speaking with your here as well.

utterance: OK thank you. the person I'm addings name is Benjamin Freeman.

utterance: OK Benjamin Freeman and what is his address?

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

utterance: OK and do you have Mr. Freeman's social security number?

utterance: Yes it's zero eight eight. Five six seven three one zero.

utterance: OK and what is his drivers license number for Mr. Freeman?

utterance: All righty. Let me see. His drivers licenses is zero nine seven five nine eight two two.

utterance: And what state is that in?

utterance: It's in Georgia.

utterance: And what is his email address that you'd like to add to the account?

utterance: All right it's B Freeman at Jones BB dot com.

utterance: All right and what pin number did you want to authorize for Mr. Freeman?

utterance: One seven zero nine.

utterance: OK and you're gonna be adding him am I correct as an authorized user to your Business Preferred account Ms. Richards?

utterance: Yes.

utterance: Terrific and I think we've got everything here Ms. Richards of adding Benjamin Freeman to the account and you also mentioned if I'm correct that you wanted to apply for a term loan?

utterance: That's right.

utterance: OK I'll just need to ask a a bit of information for you so that we can get the application started for your term loan. OK?

utterance: All right.

utterance: And Ms. Freeman what would again be the business name that you're wanting to do the business term loan in under?

utterance: Jones Bed and Bath.

utterance: OK that's Jones Bed and Bath and Ms. Freeman are you the sole owner?

utterance: Yes.

utterance: OK and Ms. Freeman what is your personal address?

utterance: It's eighty-eight sixty-three James Way. Smyrna Georgia. Three zero zero eight zero.

utterance: OK and if you could provide me with your driver's license number I'd appreciate that.

utterance: All right it is zero six two four eight seven one two.

utterance: Terrific and do you recall what year your business was established? was that.

utterance: Yeah it was about let me see five years ago.

utterance: OK was that May was it July?

utterance: Yeah it was July.

utterance: OK. July of twenty sixteen?

utterance: Yes.

utterance: Do you recall the date?

utterance: Yeah the seventeenth.

utterance: All right so July seventeenth twenty sixteen?

utterance: Yes.

utterance: And what is the gross annual sales for your business?

utterance: All right it's about seven million five hundred and twelve thousand.

utterance: All right and what is your business email address?

utterance: OK just a second. all right it is E Richards at Jones BB dot com.

utterance: Fantastic and also what is your personal email address?

utterance: All right that would be E Richards at mail dot net.

utterance: All right. Terrific and just to verify oh again your pin number. You gave it to me earlier but is the pin number going to remain the same for this?

utterance: Yes.

utterance: All right. And I believe we have everything here for your term loan. what's the tax ID number? for your business?

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

utterance: Terrific. And what is the loan amount that you're looking for for your business?

utterance: About five hundred thousand.

utterance: All right. OK. Five hundred thousand dollar term loan and we'll say right now generally it's standard for forty-eight months. Were you looking for that or were you looking for thirty-six months or sixty months?

utterance: Yeah about forty-eight.

utterance: All right. So forty-eight month term loan for five hundred thousand dollars for Jones Bed and Bath and what I'll do Ms. Richards is to get this over to our loan department and one of our loan officers will start processing your application and they'll reach out to you in time Is there anything else I can assist you with?

utterance: No not today.

utterance: Terrific well I've gone ahead and added Benjamin Freeman to your account as an authorized user and I'm now gonna go ahead and submit the application for the loan over to our loan department. OK?

utterance: All right. Thank you so much.

utterance: Thank you and you have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Man. I spoke to some motherfucker yesterday. Oh, I'm so frustrated. I I need you to connect me to a financial advisor. I'm sorry. What was your name?

utterance: my name is Jess Jones.

utterance: OK. You have an employee ID number as well?

utterance: yes, I can give that to you right now.

utterance: OK.

utterance: Please do.

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

utterance: OK. Now please transfer me over to a financial advisor.

utterance: OK. I'd be more than happy to help you with that today, sir, and I'm so sorry that you had a terrible experience with us in the past. We'd like to rectify that today. Can I start by getting your first name and your date of birth?

utterance: First name is Tyrone.

utterance: OK.

utterance: Last name Washington.

utterance: Tyrone Washington. And your date of birth, please?

utterance: Ma'am, please connect me to a financial advisor.

utterance: I'm sorry. I need to access your account before I can schedule you with one of our advisors.

utterance: OK. What's the question?

utterance: your date of birth.

utterance: Zero six zero one seventy-seven.

utterance: Six one nineteen seventy-seven.

utterance: Correct.

utterance: OK. I'm gonna go ahead and pull up your account, but in the mean time can I get your credit card number from you?

utterance: No, you cannot.

utterance: I'm sorry, sir, but I won't be able to pull up your account unless I have either your account number or your credit card number on file.

utterance: I've been a

utterance: I've been a customer for at least four months now, and I run into this issue every single time I have to call y'all.

utterance: I'm so sorry, sir. I understand your frustration, but.

utterance: I don't.

utterance: Wanna hear that. connect me to a financial advisor. Please.

utterance: I'm so sorry. I have to access your account first. It's for the benefit of you so that your account has security.

utterance: Credit card number five five three eight two two nine six four five five three two three three four.

utterance: OK. And just to confirm, that is five five three eight two two nine six four five five three two three three four.

utterance: Yeah.

utterance: OK. And so, before we proceed, I just need to verify some information for the security of your account. Can I go ahead and get your PIN number?

utterance: You mean like, what I use at the ATM?

utterance: Yes.

utterance: Ma'am, I just gave you my card. I verified everything. I need to speak to a financial advisor. You know what? Three three four eight. Let's just.

utterance: OK. Three three four eight. And you may recall, when you set up your account, that you answered a few security questions? We're gonna go ahead and run through those as quickly as possible right now, so we can get you into your account and speaking to a financial advisor. So the first one is, what is your favorite book?

utterance: Oh, lord. I don't remember that answer. My son helped me set up this account. One second.

utterance: James! What the hell is my favorite book? That you helped set me up on this damn bank account? That Michael Jordan biography. Songs To My Mama by Michael Jordan.

utterance: OK, great. And what is your favorite food?

utterance: Chicken.

utterance: Chicken. OK, great. Thank you for verifying that information. I'm pulling up your account right now. OK. I'm in your account, and you said you'd like to speak to a financial advisor today?

utterance: Please.

utterance: OK.

utterance: I spoke with one yesterday, and that guy, I don't know where y'all are getting y'all training from. But that guy couldn't tell me the basic requirement, and the things that I needed, to apply for an auto loan.

utterance: I'm so sorry that you were disappointed with.

utterance: And that.

utterance: Should be something that's on a piece of paper.

utterance: Of course. Let me see what I can do for you today to get you speaking to one of our senior financial advisors. OK. I'm in the scheduler right now. Is there a specific day that you'd like to have this meeting?

utterance: Tomorrow.

utterance: Tomorrow. OK. Let me check our availability. OK, and.

utterance: Got all that shit.

utterance: That I gotta do for the fucking kids. Let me ask you. have you ever barbecued before?

utterance: yes, I have.

utterance: Nevermind.

utterance: OK, well I am in the scheduling system right now and I'm checking our availability for tomorrow.

utterance: And I and I'm I'm sorry to be so rude and mean, it's just I get frustrated. This happens every time.

utterance: I understand. It can be very taxing. OK, so we do have some availability tomorrow. Is there a specific time that you were looking to speak with someone?

utterance: late as possible.

utterance: As late as possible. OK, our latest appointment is four forty-five. Does that work for you?

utterance: Perfect.

utterance: OK, and were you looking to speak to someone by email, over the phone, or in person?

utterance: I wanna go in person. I'm sick of this email, texting, phone call shit. I wanna speak to someone in person. I want you to give me his name. And I want this motherfucker to give me what I need.

utterance: In person.

utterance: OK. can I get your ZIP code so I can figure out which bank you'd be going into?

utterance: Why the.

utterance: We have multiple branch locations, and I wanna make sure that your appointment goes smoothly.

utterance: I want. OK. Seven eight two one seven. I wanna go to the branch that I called.

utterance: OK. That would be seven one two eight seven. OK. So I'm having you You are set up at four forty-five tomorrow, and the person you'll be speaking to is Des James. He is one of our senior financial advisors, and I think you'll be more than pleased with his customer service.

utterance: Great.

utterance: Can I help you out with anything else today?

utterance: Bye.

utterance: OK.


utterance: Hello, thank you for calling Intellibank. My name is Tamara, how may I assist you this evening?

utterance: Hi, I'm calling because I need to cancel a check.

utterance: Alright, you need help canceling a check.

utterance: Yeah, what they call that, stop payment on a check?

utterance: yes, cancel a check, stop payment, yes sir, I'd be glad to help you with that. may I get your name please?

utterance: Yes, it's Chris Silverman.

utterance: OK. And let me just ask you a few more questions so I can pull up your account.

utterance: For sure, and but before you do that could you confirm that my my Intel bank gold card is, hasn't been mailed out yet cause I was supposed to get it like, two days ago, I think. But it hasn't arrived.

utterance: And you have.

utterance: OK, you're referring to your Intellibank Business Gold Card?

utterance: yes.

utterance: OK, yes I, let me just pull up your information and then I can see if it's been mailed out.

utterance: OK.

utterance: OK, Chris, I'm sorry, one more time on your last name?

utterance: Silverman, it's S I L V E R M A N.

utterance: OK, great. And may I also get your date of birth?

utterance: Yes, it's eight twenty-four eighty-two. Social security number four two one sixteen three four seventy five.

utterance: Oh.

utterance: Oh, thank you Chris, I don't need your social security number, but thank you. may I get your pin number please?

utterance: yes you can, but may you hold on for a brief second first please?

utterance: Yes, certainly.

utterance: Alright, I'll be right back.

utterance: Alright, I've got it, Is it rain where you are? It sounds like I hear water.

utterance: no, it's not raining here. We, we did have some rain yesterday, but I don't know what that is.

utterance: Gotcha.

utterance: Is it raining where you are?

utterance: It is not. Very dry, very humid right now.

utterance: Mhm.

utterance: Yes, I hear that.

utterance: I actually have the, the the pin number ready now.

utterance: OK.

utterance: It's twelve ten.

utterance: Twelve ten?

utterance: Yes.

utterance: OK, let me just input that. OK, very good. I see here that your a Business Total Checking account member with us?

utterance: Yes.

utterance: OK, What is the check number that you would like to put a stop payment on?

utterance: It's two eight eight nine three two and I wrote it three days ago.

utterance: OK. Two eight eight nine three two?

utterance: Yes.

utterance: And what is the amount on the check?

utterance: It should be four hundred and thirty-seven dollars and twenty-six cents.

utterance: OK. Four thirty-seven and twenty-six cents?

utterance: Yes.

utterance: Alright, and the reason that you need to put a stop payment on the check?

utterance: well, I found out that this person was a scam artist and they don't actually provide the services that they advertise.

utterance: Oh my, all right.

utterance: Yes.

utterance: All right. So I'm gonna list this as potential fraud.

utterance: Not potential, it's definitely fraud.

utterance: OK, all right, I just have to have a reason to input that into the system for you. OK, Chris let me just read this back to you and then I will go ahead and process this. We're canceling, we're putting a cancellation or a stop payment on check number two eight eight nine three two for the amount of four hundred and thirty-seven dollars and twenty-six cents due to fraud.

utterance: Yes, and I want you to expunge that with extreme prejudice.

utterance: Absolutely, I'm gonna go ahead and out that through right now, one moment. OK Chris I did go ahead and process this. There is an email confirmation coming out to you, it will have a confirmation number. Would you like to record the confirmation number now while I have you on the phone?

utterance: no, I just got the email So I see the number.

utterance: OK.

utterance: OK, and then you also said that you wanted to see if your Business Gold Card was mailed out to you.

utterance: Correct.

utterance: OK that'll just take me a moment here.

utterance: OK.

utterance: Alright, I do see that it went out last week, on the twenty first. It does take seven to fourteen days to reach you, it should be closer to the seven days would be my guess, but if you haven't received it in another four days, then I would suggest that you give us a call. Otherwise, it sounds like it's on target.

utterance: No worries, I guess I'll just you know, suffer and starve until then.

utterance: was there any other service I could provide for you at this moment? do you need to access a new credit card or a new checking account?

utterance: No, that was everything.

utterance: OK, well I wanna thank you very much for being a valued customer here at Intellibank, and I hope I provided you with outstanding service.

utterance: Yes, you have, thank you very much.

utterance: Thank you Chris. Have a good day.

utterance: You too.


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

utterance: Hi Jerry, I'll like to add someone to my company account?

utterance: All right. I'll be glad to assist you with that. And if I could ask, what is your first and last name?

utterance: Benjamin Freeman.

utterance: All right and Mr. Freeman, if I could ask what is the name of the business that has an accounting file with us?

utterance: Rays Construction Company.

utterance: All right and Mr. Freeman, now how's the day going?

utterance: It's been a good day. Good day. I can't complain.

utterance: Good. Glad to hear that and it's always good to get things done early in the morning before it'll pass.

utterance: Oh Yes!, yes. Yes, early riser get it done.

utterance: and Mr. Freeman, I'm gonna ask you a few questions because we do have to verify your account because we do take your account security very seriously here and it's for your account protection. Is that all right?

utterance: Yes sir.

utterance: And Mr. Freeman, if I could ask, what is your date of birth?

utterance: Three twenty-six nineteen seventy.

utterance: All right.

utterance: And my phone number is seven seven zero two two zero five eight five nine.

utterance: All right. thank you for that. I was gonna ask for that and Mr. Freeman, if I could ask, what is your account number?

utterance: My account number my account, wait, hang on a second let me look it up for you right now. Give me a moment.

utterance: All right.

utterance: The account number is seven nine eight six eight nine one two.

utterance: Thank you for that and Mr. Freeman, what is your pin number?

utterance: The pin number is one seven zero nine.

utterance: Thanks for verifying your account Mr. Freeman and I was able to pull up your information and you mentioned you wanted to add a new user to the account?

utterance: Yeah, that's correct.

utterance: All right. What is the new user's first and last name that you'd like to add to the account?

utterance: Her name is Mary Black.

utterance: All right and What is Mary Black's add-street address?

utterance: Mary Black's street address

utterance: just one second. I'll get that address. Give me just a second. Find the address real quick. Her street address is seven nine eight one Leyman's Court Smyrna, Georgia. three zero zero zero eight oh.

utterance: Okay, the city and state is Suwanne Georgia.

utterance: Yes sir.

utterance: All And what is the ZIP code?

utterance: Her ZIP code would be three zero zero eight zero.

utterance: All right. Thank you for that and oh, what is Ms. Black's social security number?

utterance: Her social security number is two seven nine two two five three one seven.

utterance: And what is the drivers' license number for Ms. Black?

utterance: Her drivers' license number is zero nine two five nine eight two two eight.

utterance: OK. Could you repeat that?

utterance: Zero nine two five nine eight two two eight.

utterance: All right and what is the state for that drivers' license number?

utterance: State of Georgia.

utterance: And what is the email address for Ms. Black?

utterance: is is B black at Rays Construction dot com.

utterance: OK. Is that B black or M Black?

utterance: B Black at Rays Construction dot com.

utterance: All right and what is Ms. Black's date of birth?

utterance: Eleven eleven eighty-four.

utterance: And what is the pin number for Ms. Black, the new number you'll like to set up for her.

utterance: Oh that I'd be two nine seven two nine seven would be her pin number.

utterance: It needs to be four digits, sir.

utterance: OK two nine seven one.

utterance: All right. Thank you for that Mr. Freeman and we have gone ahead here as you've requested and added Ms. Black as a user to your account just so that you know you have the ability to change and customize what her permissions are for the account. so that she for instance may only have access to authorizing payroll or she may only have a access to checking account balances but she doesn't have access to for instance transfer funds out of the account those are things that you can set up based off of however whatever permissions you wish to grant her.

utterance: Oh I'll take care of that a little later on.

utterance: Terrific! And Mr. Freeman is there anything else I can assist you with?

utterance: that'll be all I appreciate, you got her on board so, hey thank you very much.

utterance: Terrific! Thank you for giving us a call Mr. Freeman, we appreciate the business.

utterance: Thank you. Do have a good day.

utterance: Thank you. Bye bye.


utterance: Hello. Thank you so much for calling Intellibank today. How can I help you today?

utterance: Hello, my name is Charlene. And I was I had the. I was wondering how long does it take to make a wire transfer?

utterance: Absolutely, Charlene. So, to make a wire transfer, It takes around two business days for domestic transfers, and about up to five business days for international transfers. So would you like to make a transfer today?

utterance: No. It. and my other question is is it even for a a business account because this but because my account is a business account.

utterance: Yes, so it will take the same amount of days. Yes, two business days for domestic and five for international.

utterance: Oh, OK. Because I was really looking at the option of making one and I had resent a check a couple of days ago and I realize that I don't have enough funds for it to go through so I was wondering can anything be done about that?

utterance: OK, no problem. So instead of making a wire transfer, you would like to cancel a check?

utterance: Yes, I like to cancel a check.

utterance: All right, no problem. I could definitely help you out with that.

utterance: Mhm.

utterance: First, I will gather some information for you so I can access your account. Can I have your name and date of birth, please?

utterance: OK. My name is Charlene Peterson and my date of birth is on the twenty-ninth of December, nineteen ninety.

utterance: All right. And can you spell your last name for me, please?

utterance: that is P E T E R S O N.

utterance: All right, thank you for that. And can I get your PIN number?

utterance: K, a minute.

utterance: OK. My PIN number is three five four six.

utterance: All right, thank you for that. And also, your account number.

utterance: Oh. I will need to go and get it.

utterance: All right, no problem.

utterance: OK. My account number is three five four six six eight seven nine two four.

utterance: All right. And to confirm, that is three five four six six eight seven nine two four?

utterance: Yes, that's correct.

utterance: All right. No problem. And can I also get the check number and the dollar amount of that check that you're trying to cancel?

utterance: OK. The check number is seven zero nine zero and the amount is a thousand dollars.

utterance: All right. And can you go over with me the reason you're canceling this check once again?

utterance: I just realized I don't I I don't think I have enough funds together for the check.

utterance: All right. No problem. I can go ahead and cancel that for you. And, all right. I have gone ahead and just canceled it. Do you have any other checks that you'd like to cancel?

utterance: No, it's only that one that I'd like to cancel.

utterance: All right. No problem. I have just confirmed it has been canceled, and you should receive a notification of that shortly through your email.

utterance: Oh, thank you for that. And how's the weather over there?

utterance: Oh, the weather is so nice. Thank you. It's been very sunny over here. How's the weather with you?

utterance: Oh, here it's still a bit rainy. But I I guess in in a couple of days, maybe two or three days the rain will stop and I will also have a chance to enjoy the sun also.

utterance: Yes, absolutely. It's been so cold lately, and so rainy. So I'm so happy with the sunny weather we've been having lately.

utterance: Oh, that's great to know.

utterance: Yes, absolutely. OK, so I've gone ahead and canceled your check. is there anything else I can help you with today?

utterance: No, that's it. That's all for today.

utterance: All right, no problem. Have a great day. Take care.

utterance: Oh, thank you, and thank you for your service.

utterance: All right, no problem.

utterance: OK.


utterance: Thank you for calling Intellibank commercial services. This is Steven. How may I assist you?

utterance: yes, I need to check the balance of my real estate loan.

utterance: All right, I can certainly assist you with that. Can I get your name please?

utterance: Dan Thomas T H O M A S and my birthday is May twelfth nineteen sixty.

utterance: Thank you sir. And can I get your authenticating PIN number please.

utterance: One zero six two.

utterance: Thank you. And may I have the loan account number?

utterance: OK, I've got two loans and I don't know which is which number goes to which one. I'll give you both of them.

utterance: All right sir, whenever you're ready.

utterance: Seven one eight eight one nine seven three nine. And the other one is two zero nine zero two one eight four two zero.

utterance: All right sir, and just to confirm that's seven three zero six nine five six eight two nine and nine one eight eight one nine seven three nine. Is that correct?

utterance: Yes it is.

utterance: All right, and it appears the one ending in six eight two nine belongs to a real estate loan. Is that the one in question?

utterance: Yes my real estate loan balance.

utterance: All right sir, I can certainly get that information for you and you were wanting to know what the remaining balance of that loan is. Is that correct?

utterance: Yes it is.

utterance: All right.

utterance: It appears that that loan has a remaining balance of

utterance: Two hundred and ninety-seven thousand four hundred nineteen dollars and twenty-seven cents.

utterance: OK, is there any other way for me to be able to check my balances without calling?

utterance: Yes sir, there is do you have online banking with us?

utterance: I do not.

utterance: OK, well I can help you get that setup and you will be able to login on any internet connected device or through our mobile app and you can check your loan balance make payments as well as manage any other Intellibank business accounts that you may have.

utterance: OK, that sounds good. I thinking about paying off my real estate loan balance. I think that would be a pretty good idea. But anyway yeah, if you could help me set that up that'd be great.

utterance: Absolutely sir, can you verify your email address for me?

utterance: D Thomas at ABC dot com.

utterance: Thank you and is that the email address that you would like your online banking communications to be delivered to?

utterance: yes.

utterance: Great.

utterance: And then I have got a username and a temporary password for you. Whenever you are ready just let me know.

utterance: OK, just a second.

utterance: No problem.

utterance: OK, I'm ready.

utterance: All right, your username is D Thomas zero two.

utterance: OK.

utterance: And your temporary password is capital E capital B seven three capital Q five.

utterance: OK, I've got that written down.

utterance: Perfect, and so all you'll need to do now is go to the Intellibank dot com web page click in the top right hand corner where you see the login button enter those credentials. And it will prompt you to create a unique password for the account. And it will then guide you through the rest of the process.

utterance: OK, sounds easy.

utterance: Yes sir. Is there anything else that I can assist you with?

utterance: can't think of anything.

utterance: Your day going pretty good so far?

utterance: Yes sir, my day is going quite well. How is yours?

utterance: It's going good.

utterance: That is wonderful sir.

utterance: All right, if there's nothing else that I can assist you with. There will be a brief survey here in a moment. That you can fill out to let us know how we did today. And how we can better service you and your business needs in the future.

utterance: All right, thank you.

utterance: Thank you and thank you for choosing Intellibank. You have a wonderful afternoon.

utterance: You too.

utterance: Goodbye.


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

utterance: How you doing, Jerry? I would like to make a market order for for the gap.

utterance: Sure. I'll be glad to assist you with that. And if you would. if I could ask, what's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is the name of your business?

utterance: Ray's Construction Company. and What are the hours are y'all open?

utterance: sure. Well, the hours for our branch locations are Monday through Friday from nine a.m. to five p.m. and closed on the weekends.

utterance: Oh, OK. Cuz I know there's one there's one one one close to me over over there on Baker Street about three streets over.

utterance: OK, yes sir. we certainly would be happy to have you stop by at your convenience and talk with any of our terrific personnel and staff there at the branch. But with that said, I'd like to ask a few questions in order to verify your account Mr. Freeman. And then we can go ahead and take care of that market order as you've requested. first of all, what is your date of birth and phone number?

utterance: three twenty-six nineteen seventy. My phone number is seven seven zero two two zero five eight five nine.

utterance: All right. Thank you for that. And what is your business address, Mr. Freeman.

utterance: My business address is three six eight eight Layman Court, Savannah Georgia, three zero zero eight zero.

utterance: All right. Thank you for that. And, Mr. Freeman what is your account number?

utterance: my account number is nine eight four six five nine one nine.

utterance: OK. Thank you and last question to verify the account, what is the PIN number associated with your account?

utterance: That PIN number's one seven nine five.

utterance: All right. Thank you for that, Mr. Freeman. And how is your day going?

utterance: Oh, it's a good day. I can't complain. It's a pretty sunny day. It's it's real nice outside right now.

utterance: wonderful, wonderful. It's always good to have good weather. It get's people in the mood.

utterance: Oh, yeah. Get them outside, you know, before it get dark at five o'clock.

utterance: Exactly. more productive. And

utterance: Oh, yeah.

utterance: And Mr. Freeman, you mentioned that you wanted to do a market order. Do you have the symbol of the stock?

utterance: Yeah. GPS.

utterance: OK. And Mr. Freeman, how many shares did you wish to purchase?

utterance: ten.

utterance: All right. And that's tens shares of stock symbol GPS and that's a market order.

utterance: Yes, sir.

utterance: All right. OK. I've gotten that confirmed for you Mr. Freeman and that order has been placed as requested and it now is reflected in your account as purchased stock.

utterance: Oh, very good. That sounds good.

utterance: And Mr. Freeman, just so that you're aware, you can check online as well. Are you familiar at all with our online banking?

utterance: Yeah. I'm a little familiar with that, you know. That's that's why I got a tip on on the stocks and I thought maybe I'll let me check it out.

utterance: Well, terrific terrific. Since you are familiar then you know that you can visit our website and simply enter in your username and password there and from there you'll have access to your account online and you'll be able to monitor the transaction that we just conducted as far as the purchase of the GPS stock. Additionally, if you want, you're also able to place market orders yourself right there online.

utterance: OK.

utterance: as well as see what your available balance is and of course see what the value is of your purchases.

utterance: Oh, that sounds good. that sounds real good. definitely be doing that.

utterance: Well terrific, Mr. Freeman. We certainly do try to make it convenient as possible for you and if that be said Mr. Freeman, is there any other questions that you may have?

utterance: no. Not at this moment. I think we covered everything pretty good now. I I'm happy what we got done.

utterance: All right. Well Mr. Freeman, if that is all, we certainly do appreciate you giving us a call today and of course if you have any further questions don't hesitate to give us a call.

utterance: I sure will. Thank you very much. You have a good day.

utterance: Thank you. You as well.

utterance: All right. Bye bye.

utterance: Bye bye.


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

utterance: Hi, I need to order a new credit card.

utterance: OK sure, no problem. I'll need to grab some information from you real quick here what is your first and last name?

utterance: My first and last name is Amy Smith.

utterance: OK Amy and your date of birth?

utterance: November twelfth nineteen seventy-five.

utterance: Great yeah it looks like what type of account where you wanting to add a add a card to? Is this an existing?

utterance: yep, it is my my business checking account that I wanna add it to, and I just hired a new employee and I need to get that a new employee a credit card for business use.

utterance: OK.

utterance: OK I do see that here, do you mind just to verify the account number?

utterance: Oh sure, the the credit card number is four four zero four one two three six five five one two one seven one four and it expires December of two thousand twenty-five and that six digit code on the back is six six seven.

utterance: OK great thank you for that information. So I'll go ahead and use that number you provided here and are you needing to add more than more than one card, or just looking for the one?

utterance: right now I'm not really gonna do any more hiring for the time being, it's just that business has picked up a little thank goodness after COVID has started to settle down and so I just needed to hire that one more person and he's just gonna be a driver he'll be driving the cakes to where they need to go and such.

utterance: OK well I can get that set up for you. I do need a little bit of information on the employee and if you can provide first and last name there?

utterance: Yeah his first name is Chad and his last name is Warren. Which is easy for me to remember because I lived in Warren Michigan for a while.

utterance: Awesome! OK well I I bet it's probably cold up that way?

utterance: Oh my gosh yeah way m- way colder than here, I'm in Alabama.

utterance: Oh my goodness. All righty so I've got that information entered here and is that how you want it to appear on the card? Is there any middle initial?

utterance: no, no middle initial, that's fine.

utterance: OK and then do you mind and provide the birth date?

utterance: my birth date or Chad's birth date?

utterance: Chad's

utterance: Birth date.

utterance: Oh Chad's birth date is-.

utterance: Don't worry we can keep

utterance: On file.

utterance: Oh yeah no worries, is July second of nineteen ninety-eight.

utterance: Great and then a social security number please so that our bank just requires it for the business.

utterance: Is it Chad's social security number? Or my?

utterance: Uh-huh. Do you have?

utterance: His last four there?

utterance: I can give you his whole number. It's zero zero seven two three one zero eight one.

utterance: OK.

utterance: OK thank you for that information and where can we send this card to?

utterance: can you send it to the business address or is it possible for you to send it directly to Ch- well you know what, let's just send it to the business address.

utterance: OK great we'll go ahead and do that I've got it on file but I'd like you to confirm that.

utterance: Yeah so the business address is ten South Main Street in Birmingham Alabama and the ZIP code is five six two zero one.

utterance: Great thank you for providing that and last thing here we need to get a new user PIN set up for Chad.

utterance: Oh OK.

utterance: Do you wanna

utterance: Go ahead and do that today? Or would you prefer to do it automated?

utterance: Oh no we can do it, we can do it. If you if you can just set it up that'd be great and then I can just tell him what it is.

utterance: Yes absolutely so it's four digits, anything that is non sequential so you wouldn't want them to go in order.

utterance: OK let's just do nine two seven six.

utterance: Nine two seven six and that will also change your existing PIN on your your current account if it's if it's anything different than what you have, so just be aware of that.

utterance: Oh OK, so nine two seven six is what I'll now use as well as Chad and my other cuz I have one other employee who has a card as well, so all of them change to nine two seven six?

utterance: Yeah.

utterance: OK all right, just wanna make sure, no worries.

utterance: OK and got that all established for you here, thanks for providing all that information. it looks like this card's gonna take five to seven business days to come out in the mail and then once he receives it it'll be active and ready to go. The PIN is already set so we are good there.

utterance: OK.

utterance: And and again that's coming didn't we set it up to come to the business address is that right?

utterance: Yeah.

utterance: OK well I was just making sure, sometimes I g- I have multiple things going on and I forget what I've said.

utterance: Right.

utterance: All right and on that credit card I know when I got mine and my prior, my other employee Samantha our credit cards are really pretty green color, is that what this one's gonna look like?

utterance: it will just be our, that so that's the basic issue, so it will be that green. We still have that, we've not changed the pattern yet for the year.

utterance: OK have you guys done anything yet with credit cards like where you can put like we I run a cake business, where you could put cakes? You can kind of personalize these credit cards?

utterance: Absolutely so what I would recommend is to access your account through the online portal and there are some customization options there. You can upload photos that you'd like to add for personalization, all kinds of stuff like that and we can print those cards out at the bank. but you will just get that basic card at first. So you'd have to sign up for the customize one on the online portal.

utterance: Oh.

utterance: Oh OK and does it cost extra to have these new cards customized and printed and sent out?

utterance: it does, there will be a small fee I believe it's around fifteen dollars.

utterance: Per card?

utterance: Mhm.

utterance: OK well I get on the online portal and I'll kind of look around and see if I see anything that I like and I'll kind of take it from there, I just was curious.

utterance: OK great, is there anything else that I can help you with today?

utterance: no and I gotta get back to the oven because I got three cakes coming out right now.

utterance: OK well I hope you have a good day.

utterance: All right you too, thank you, bye bye.

utterance: Bye bye.


utterance: Hi there. Thank you for calling Intellibank. This is Stephany and who am I speaking with?

utterance: Hi Stephanie, this is Justin.

utterance: Hi Justin. Nice to meet you.

utterance: Nice to meet you as well.

utterance: Great. Where can we get started today?

utterance: Well I was looking to open up a checking account.

utterance: OK. We can open a checking for you. And Justin, what's your last name?

utterance: Thompson.

utterance: Thompson. T H for Thompson?

utterance: that's correct. Yeah.

utterance: OK. And Justin, what's your address?

utterance: Sixty-three hundred Wilshere Boulevard, Los Angeles, California, nine zero zero three six.

utterance: OK. And how about your Social Security number?

utterance: Two eight five five five four two eight one.

utterance: OK. And can you pull up your driver's license number for me?

utterance: Absolutely. That is California issued and it's one zero zero two nine nine.

utterance: Great. And what is your four digit customer PIN?

utterance: five six nine nine.

utterance: OK. And what is your email address that we have?

utterance: funkytown at Yahoo dot com.

utterance: Funkytown at Yahoo. And what is the name of your business?

utterance: Mhm.

utterance: Justin's Funky Town.

utterance: Justin's Funky Town. Great. All right and are you the sole owner of Funky Town?

utterance: Mhm.

utterance: That is correct. Yes.

utterance: All right. And when did you establish?

utterance: twenty eleven.

utterance: Twenty eleven. OK. What's your gross annual sales amount?

utterance: About ten grand.

utterance: Ten grand. OK. Do you have your tax ID number?

utterance: I do. It is one nine nine two.

utterance: Great. And what is the address of Justin's Funky Town?

utterance: six zero three South Cockerin Avenue, Los Angeles, California, nine zero zero three six.

utterance: OK. Would you like to keep that as your mailing address as well?

utterance: please. Yes.

utterance: Great. All right and is this gonna be your personal checking account or your business checking?

utterance: Well go ahead and. What are the differences there?

utterance: Well right now you You're at a personal checking account so there's no monthly fee. Your interest rate is going to be seven percent. And if you open a business account today, the interest rate and monthly fee will be waived.

utterance: OK. I think I'll go for just personal.

utterance: Personal. OK. Sounds good. And then what will your initial balance be?

utterance: we'll go right about three grand.

utterance: Three grand. OK. All right. And what's your bank account number?

utterance: the bank account number is two zero three nine four zero.

utterance: Mhm. How about the routing number?

utterance: that would just be one zero zero three three.

utterance: OK. Sounds good. Well if you do decide later that you wish to open up your business checking account and attach a savings account to it, you can always add that at a later date. and we do have a few different credit cards that you can apply for as well. Do you have any other questions for me?

utterance: Could I put you on hold for a second?

utterance: Yeah. Take your time.

utterance: OK. I'm back. I just want to double check one thing. Am I going to have an annual fee or anything?

utterance: Annual fee? for your personal checking account? No. You will not have an annual fee. if you were to open a business account, the annual fee would be forty-nine ninety-nine.

utterance: Gotcha. OK. Well that's all very good to know. Thank you so much.

utterance: Of course. My pleasure. And if you have any other questions you can always reach out to us later and of course I'll send you a confirmation email with all of these details.

utterance: Thank you. You were you were very helpful.

utterance: My pleasure. Not a problem.

utterance: OK. Take care. Goodbye.

utterance: Take care.


utterance: Thank you for calling Intellibank. My name is Janet and I will be assisting you on today's call. How may I help you?

utterance: Janet. OK so I oh gosh. I I I I wanted to see, first of all, what is this fixed rate that you guys have for this for applying for a corporate card?

utterance: Is it a fixed rate?

utterance: Is there flexibility on it? What's what's what's the interest rate on this card?

utterance: It's just something that I saw and you know and I wanted to see what you guys have to offer. I look I I got some crappy experience with with other credit card companies you know for one I had a bank that they made it sound like they gave me a credit line and and then it just threw me into massive debt and it's just like anyway. I I have a really I have I have trust issues with banks.

utterance: OK.

utterance: OK.

utterance: Sorry. Go ahead.

utterance: OK. I hear what you're saying and I wanna provide the best information I can for you. may may I first ask you your name?

utterance: yes it's Tony. .

utterance: OK,

utterance: Tony. Nice to meet you.

utterance: So you're interested in knowing about our corporate credit cards which we have either a Business Gold Card or a Business Silver Card.

utterance: And as far as rates go what I can tell you is that the rates are set by the Federal Reserve however and and interest rates can change. However, what we do with our customers is we Once you are set into a rate we lock you in that rate for twelve months. It it will not go up in that time. After twelve months, it's going to be based again on your credit score and you can request to have that set again for another twelve months. But we do not change the rates on you for a for a year.

utterance: Even and I should say. Even if you've have it you're having credit problems, it would not affect you that year. It would affect you the year after. Even in the worst case scenario.

utterance: Does that make sense?

utterance: It does. It's just this is the few that I had. It is what they say and then something else comes about and it's like I don't know who's being honest here.

utterance: Well, it what I'm telling here is pretty straightforward. and once you. if you'd like me to send you a description to your email. it would talk about the the terms and the rates

utterance: Well I

utterance: Mean, who you should send it to is my lawyer because I just it's just too much of a headache for me. I've been through this with other banks already and you know anyway.

utterance: Sure.

utterance: I I understand, and if if you don't wanna apply today, I can send you the information to your account so you can review it. but if you did wanna go ahead and apply, we can do that. It's it's up to you.

utterance: All right. Well, let's go ahead and apply.

utterance: OK. I'll make this as quick as possible for you and do know that I will be sending you everything that I said in your email so you have a written written back up.

utterance: OK.

utterance: OK. So we'll be applying for this under your full name is?

utterance: Tony Corlosi.

utterance: OK. Great and what is your social security number?

utterance: Seven two eight three four nine two eight nine.

utterance: Great. Thank you so much and your driver's license.

utterance: D L seven six two three five six.

utterance: Terrific and you I still see that you're a customer with us for other accounts. What is your four digit PIN number?

utterance: Nine eight two nine.

utterance: Nine eight two nine and Tony what is the best email address for you?

utterance: watered down at Gmail dot com.

utterance: OK, very good.

utterance: And Tony what is the name of your business?

utterance: Water Spring I K Incorporated.

utterance: OK and are you the sole business owner?

utterance: Yes.

utterance: Wonderful.

utterance: And when did you establish your business?

utterance: about fifteen years ago, two thousand five.

utterance: OK.

utterance: January two thousand five.

utterance: And your gross annual sales for last year.

utterance: about a hundred thousand.

utterance: OK very good and your tax ID number.

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

utterance: Great and then the address for your business.

utterance: yeah. It's seven two Chattanooga Avenue Brooklyn, New York nine two seven eight five.

utterance: Terrific and is your mailing address the same?

utterance: That's right.

utterance: OK. So Tony, that's all that I need from you to process your application. But just for your piece of mind, based on what you said, what I wanna let you know that the application is not finalized until you upload your tax ID number and your driver's license.

utterance: Uh-huh.

utterance: So I just generated that to your email. There'll be a link to review the application.

utterance: All the terms and conditions that we discussed. once you do upload the documentation, you should hear back on your loan within seven to ten business business days.

utterance: OK. .

utterance: Does that.

utterance: Answer all of your questions?

utterance: I hope it does.

utterance: All right. Well, you review those terms and conditions and if you have any questions, you call us back. OK?

utterance: OK. Thank you.

utterance: Thank you for calling Intellibank and have a great day.

utterance: Bye.

utterance: Bye.


utterance: Good afternoon and thank you for calling Intellibank. I'm here at the call center and my name is Rodney. Happy to help you. How are you doing today?

utterance: well I could be doing better Rodney. I I had to wait quite a bit on hold just to just to get through to you. I don't know if that's common at your company. Or you could maybe tell your supervisor. I don't know what. It just wasn't the experience I was expecting.

utterance: Oh I'm sorry. We do have an unusually high call volume today so I hope to make up for that time on this call and I can guide you through whatever you need hopefully by providing you with great customer service so what can I help you with today?

utterance: Well OK I was just you know I wanted to move some money around. invest not really certain yet exactly what kind of vehicles financially. but my actually to be honest my wife's the one that gave me this number and told me to call she usually you know given her background she knows more about that than I do but I wanted to she wanted me to call and place an order I I think is what she said.

utterance: OK so you she wanted to place some sort of order and you wanted to move some money around. You do have a checking and or savings account with us?

utterance: Oh yeah yeah I'm on the account. She just knows more about it than I do.

utterance: OK yeah so basically there's a couple of different options. We do have a wealth management investment program but that's something you have to meet with a specialist either in person or by appointment but if you're looking to do something actually today I could purchase a stock market order for you by phone upon your verbal approval. would that be something you'd want to do today by phone?

utterance: Yeah yeah. That's that's. I think that's why I called. Yeah.

utterance: OK. Absolutely. I'd be happy to help you out with that and I will try to get this done as quickly as possible so that we don't take up any more of your time. and first of all I'm gonna need your first and last name.

utterance: It's Michael Stevens.

utterance: Michael Stevens. And your date of birth?

utterance: September twelfth nineteen eighty-seven.

utterance: And your four to eight digit pin number?

utterance: Yeah I got that here. That was three seven seven three five.

utterance: Also need the account number.

utterance: that was one zero two four four five eight.

utterance: OK and though I am not available or actually it's against our policy for me to give you any sort of stock advice I would need to know which stock you are looking to purchase today.

utterance: Oh yeah I have that down. That. That. It's. It's T. The, the stock symbol. I think is what you call it. It's T L A.

utterance: T L A and yes under T L A I have Trans Land Airlines. Is that correct?

utterance: I believe so. Yeah. I think the company might have had a different name where you know where it's kind of an umbrella name for the the holding company. But yeah T L A is the stock symbol.

utterance: Mhm and how many shares of that stock are you looking to purchase?

utterance: We wanted to go with thirty. Three zero.

utterance: Thirty. thirty shares of T L A. OK. I can process that through for you. Just so you know thirty shares of T L A would be two hundred and sixty-five dollars and nineteen cents. Is that OK with you?

utterance: Yeah, that actually yeah that number sounds good. God it's you know I got in a fight with my wife last night. I was spending too much at the grocery store you know you know how it goes. anyway.

utterance: I'm sorry to hear that.

utterance: You know you know marital squabbles you probably appreciate that yourself. Anyway, I'm sorry that wasn't really relevant. yeah, let's go ahead and place that order.

utterance: Absolutely, I can just process that through for you with one click of the button here as our systems are updating looks like it's going through.

utterance: OK it went through. Alright. So, get a confirmation and so hopefully I can I can tell people this is already in. I think that'd be helpful. Because you know financially I've been a bit up and down. it'd be nice to have something you know to rely on here.

utterance: Yes.

utterance: My wife. My wife will be pleased. I know that.

utterance: Well I'm glad that the whole family's being helped out. By our services here at Intellibank. And once again I want to apologize for you being put on hold earlier and hopefully this process went smoothly and swiftly for you and if it did you will receive a call after there this where there will be a brief survey asking of the service I provided you rating one to five stars and I ask that you rate me as high as possible. So if that's all I can help you with today I can let you go. Are you happy with the service and anything else you need?

utterance: Yeah you know I appreciate it again. The wait time could have been shorter. But yeah thank you for your help.

utterance: Alright, well thank you and you have yourself a great day. Bye bye.


utterance: Hey, good afternoon! This is Tom at Intellibank. How can I help you today?

utterance: Hi, Tom! Yes. I want to set up an appointment with one of your investment specialists.

utterance: Oh, great! Yeah, you saw that we offer that. It's a free you know, specialist. It'll go over investment investments in any kind of way that you want to save money. all right! So, there's a few things. Can I get your name first?

utterance: Yes, yes! My name is Derek Crosby.

utterance: All right, Derek, can I get your account number?

utterance: That'll be four one one four one five.

utterance: All right. looks like your account. We need your PIN, and also we have a question which is you've listed your first pet's name. Can I get your PIN and your first pet's name?

utterance: PIN is one zero eight two. First pet's name is three six. Sorry, that's PIN! First pet's name is Bronco.

utterance: Bronco?

utterance: Mhm.

utterance: Cool name. All right. So You know what? Hold on just a second. it just froze . The system froze on me for a minute.

utterance: It's OK.

utterance: Happens occasionally

utterance: It's OK.

utterance: It's all right.

utterance: Did you hear. Did you hear shopping malls are coming back? Like it's crazy cuz pre-pandemic people were saying the malls were like a thing of the eighties and nineties, and now now people are saying that. People just hanging out there again. It's weird.

utterance: Yeah! I've heard of that a little bit. You know, I liked hanging out in a mall when I was a kid, so I get it. You know, wanna socialize and.

utterance: I don't know! I'm trying to figure out why people go there. Like I have this neighbor and he goes there just to sit in those massage chairs. Maybe he like to people watch? He's a weird dude! I know that!

utterance: It takes all kinds, right?

utterance: well he's. That's actually kind of what we say about him. We say he's a weird dude, and it takes all kinds. And we mean all kinds of weird stuff going on with that guy. His. I don't know, but the malls are cool. I I tried it myself, and I'm like what is it about? I went and walked around like what what is it about mall? But it was kinda. For me, it's nostalgia. You know, I'm like oh, the GAP. Used to go there when I was a kid. When we were young though, like junior high. we weren't looking for clothes. We're like oh let's go there and see if the prettiest girl in the class is working there, and you know, it was like all that stuff when you're growing up and I don't know. It's just something that crossed my mind like shopping malls, man, in twenty twenty-one. I would. The the world's changed so much in last year or two. Would not think that would be something that would be coming back especially with all this online shopping, but here here we are, huh?

utterance: Yeah. I think it's gonna. I'm glad they're still surviving actually. Gives gives people some options.

utterance: Yeah.

utterance: all right! So what I can do here is set you up with an investment specialist.

utterance: OK.

utterance: what day would work best for you?

utterance: go with this Wednesday.

utterance: OK. It's the twenty-fifth. would you like an appointment in the morning or in the afternoon?

utterance: Morning.

utterance: All right. we have nine thirty or ten fifteen.

utterance: Nine thirty or ten fifteen? Could you hold on one sec? I'm I gotta check on something.

utterance: Sure.

utterance: Thank you. OK. Sorry, I had a couple other appointments that I need to cross-reference, and so based on that, the nine thirty works better for me.

utterance: All right. We got you a nine thirty on the twenty-fifth. are there any questions you have?

utterance: No, that's it! Thank you for your help!

utterance: sure. hope I provided great service today. I'm fairly new here, and we have a survey that's gonna go out. And my supervisor, you know, pay attention to those. I would appreciate it if you would take any time to answer that. and we do have a new Gold card that's coming out with a really good no interest plan for the first twelve months. And if you'd like information on that, I can send you a text or an email. Are you interested?

utterance: Yeah, just send the email. I'll look at it on my own time. Thank you!

utterance: OK, sounds great. You have a nice day. Take care!

utterance: Thank you. You as well. Goodbye!


utterance: Hello and thank you for calling Intellibank. This is Sampson. How may I be of service today?

utterance: Hey how are you Sampson? I need to cancel a check. Wrote it? Sent it? But it was the wrong amount. and this is kind of a very important client of mine and kind of what I have is sort of this immediate sense of professionalism. that wanted them to send in the check. Make the payment and it's too little it's wrong. I've already contacted somebody on their end. Who's you know, working with me to make sure they can intercept the check in time. but I'd also like there to be no no issues fumbling it. So hopefully that person doesn't say take the check cash it and then we had another whole issue we're going to have to deal with. I'd like to get in front of it. As well if that's if that's if that's able to happen.

utterance: Well.

utterance: I'm very sorry to hear that but this is should not be an issue. We should be able to solve this without a problem. I just need to start by asking your first and last name as it appears on your account and your date of birth.

utterance: Chris Gordon and date of birth is. January twenty-first nineteen eighty-eight. Funny thing about that day actually day of my birth was that that was the first time that Toyota sold a thousand units in the US on the west coast and their Los Angeles hub. Just a little little little background. I don't know.

utterance: Oh, that is very very interesting.

utterance: Yeah, I'm in the I'm in the car business so I've got a little bit of knowledge that comes out and I mean I funny enough I'm working with Toyota right now and so yeah it's it's been a real honor to work with that company.

utterance: Wow.

utterance: They give you great kind of company cars great company benefits Yes it's something I pride myself on. I'm sorry.

utterance: That's wonderful. No, I was actually born on the day Robert Kennedy was killed.

utterance: Oh fantastic.

utterance: Yeah, so easy easy for me to remember.

utterance: Yeah sticks in your mind.

utterance: So I'm gonna need your account number, the account that that check was written from.

utterance: And I'm gonna need that account's PIN.

utterance: Alrighty two one six four nine one four nine six one also mother's maiden name is Brendins.

utterance: Not. No need for that. No need for that just yet.

utterance: And also.

utterance: Oh.

utterance: Right now just the the the PIN is is fine. We will get back to those questions, but Not quite there yet. So in order to cancel this check I'm going to need to know the check number and I'm going to need to know the dollar amount that the check was written for.

utterance: OK, yes the check number is number one twenty-two and the amount should have been for two thousand two hundred and five dollars.

utterance: OK. I am seeing that here. The good news is that this check has not been cashed. So we can put a stop payment on it without a problem.

utterance: OK excellent.

utterance: And I believe you already mentioned that you contacted the recipient of the check.

utterance: Yes I let them know that we're going try to get ahead of this. Cancel the check and send out payment.

utterance: Immediately.

utterance: So you will be reissuing a new check to that account.

utterance: Yes that's that's that's the goal.

utterance: Oh man with this cancellation happening this happening immediately they won't they won't see it show up on the account and it won't debit from mine?

utterance: No not at all. Once it's canceled it is canceled and that will be that.

utterance: And the client won't have a chance to work anything around it in terms of their end. Try to set up a dispute or.

utterance: Unless unless they're in there cashing it at the bank right now there won't be any sort of issues.

utterance: OK.

utterance: and because I see here that you have our business preferred checking account. Our Intellibank business preferred checking account there will be no fee. For this canceled check. and Now we're going to need those security questions. So, now what is your mother's maiden name?

utterance: Terry.

utterance: And last four of your social.

utterance: Six one eight four.

utterance: All right. We are all set. That check is canceled. There is no way that check can be cashed. and you should be all set and ready to write them another check. Is there anything else I can help you with today?

utterance: no. That that was that was everything.

utterance: Well thank you very much for calling Intellibank and you have a nice rest of your day.

utterance: You too. Bye.


utterance: Hello. My name is David. How are you?

utterance: I'm good David.

utterance: What can I do for you today?

utterance: I wanted talk to you about a secure loan.

utterance: Perfect. That's definitely something we can discuss. I'm gonna need to pull up your profile. Can I have your Social Security number?

utterance: Sure thing.

utterance: Yeah. eight one two two five eight three three five three.

utterance: And I'm also gonna need your full name.

utterance: Joe O'Brien.

utterance: Joe O'Brien. Hi Joe.

utterance: Hi.

utterance: could I have your PIN?

utterance: Three three five three.

utterance: Three three five three. Perfect. And you said we were looking at a loan today?

utterance: that's correct.

utterance: did you wanna discuss one of the loans you already have open with us? Or are you looking to make a take out a new loan?

utterance: take out a new loan please.

utterance: OK. One second while I pull up this account. All right. Can you give me that social one more time Joe?

utterance: yeah. It's two eight three five two three three five three.

utterance: Got it. And I'm gonna need your driver's license number and the state.

utterance: Can I put you on hold for a minute? I got a I got a customer here.

utterance: Sure.

utterance: OK thanks.

utterance: Hello.

utterance: Yes I'm still here.

utterance: OK what were you looking for?

utterance: I'm gonna need some more of your information to process this loan request.

utterance: yeah. what did you need?

utterance: I need your driver's license number and the state it was issued in.

utterance: California nine five eight two four.

utterance: All right. And your email?

utterance: tushy wushy at Gmail dot com.

utterance: OK. Could you spell that for me?

utterance: T U S H Y W U S H Y Gmail dot com.

utterance: Got it. And your business name?

utterance: Joe's Party Planners.

utterance: Joe's Party Planners. Are you the sole owner?

utterance: I am yeah.

utterance: All right. And what's your establishment date?

utterance: two thousand three.

utterance: Two thousand three. Got it. What would you say your gross annual sales are?

utterance: about a hundred grand a year.

utterance: Hundred grand. Perfect. And can I get that tax ID number from you?

utterance: Oh fourteen eighty-five.

utterance: Fourteen eighty-five. Excellent. And where is this business located?

utterance: California.

utterance: I'm gonna need a street address.

utterance: six zero three South Cochrane Avenue.

utterance: Six zero three South Cochrane Avenue. All right. Is that also a good mailing address seeing as it's your personal address as well? what's the purpose of this loan today?

utterance: Yeah, it is. Mhm.

utterance: just need to secure a warehouse for my party planning stuff.

utterance: All right. Business expansion.

utterance: Yes correct.

utterance: And how much are you looking for?

utterance: about thirty grand.

utterance: Thirty grand.

utterance: I can put my house up for collateral which is about four hundred grand.

utterance: Got it. All right. And are you looking to pay this off in twelve months? Twenty-four? The highest we go is seventy-two.

utterance: Mhm.

utterance: The interest rate is about eight point three percent.

utterance: I can do

utterance: Seventy-two yeah.

utterance: All right. Seventy-two. Just bear with me while I submit this. And how's your day going?

utterance: It's going great yeah. Yourself?

utterance: Can't complain. I'm also here in sunny California and I have a very nice view. I can't complain at all Mr. O'Brien.

utterance: Oh that's fantastic.

utterance: So it looks like my system is going a little slower than normal. So please bear with me.

utterance: Oh sure yeah.

utterance: I do appreciate your patience. All right. Well it looks like you were approved Mr. O'Brien. So I'm gonna be sending you an email detailing everything we discussed today. Your confirmation number will be included in that email.

utterance: Mhm.

utterance: Mhm.

utterance: Fantastic.

utterance: Thank you so much for being such a loyal customer.

utterance: Oh thank you so much.

utterance: And as soon as I in this call there will be a short survey where you can rate my performance. And hopefully I was able to satisfy all your needs today.

utterance: Yep. OK. Thank you so much.

utterance: Well you enjoy the rest of your day and I thank you so much again.

utterance: OK. Take care.


utterance: Thank you for calling Intellibank. This is Frankie. How can I help you?

utterance: Hey Frankie, how you doing? couple things I wanted to go over with you. the first thing first I just got a letter in the mail about a rate increase and I just wanted to double check I thought I was kinda locked in on a rate for a little bit more.

utterance: OK, no problem. I can help you with that. Let me just get some information from you first. what is your first and last name?

utterance: It's David Kennedy.

utterance: OK, Mr. Kennedy and what is your date of birth?

utterance: It's June first nineteen seventy-six.

utterance: OK, and your PIN number?

utterance: The PIN is one eight seven seven.

utterance: OK, and your credit card number when you're ready?

utterance: card number OK, it's four zero

utterance: OK.

utterance: Eight five

utterance: Mhm.

utterance: five five five five three

utterance: Mhm.

utterance: Two six five

utterance: OK.

utterance: four one four eight.

utterance: OK, I'm just gonna look at your notes real quick. Gimme one second. OK all right, well that notice was just sent out like as a heads up for you.

utterance: OK.

utterance: It's n- your rates are not gonna be increased until the new year so you still have a few months. we're just like g- giving you letting you know so you're prepared for that rate increase.

utterance: OK. OK, I understand.

utterance: Yeah. So it's.

utterance: Not gonna happen right away.

utterance: I understand.

utterance: Yeah.

utterance: OK, oh so that was like actually the minor issue. It wa- the funny thing is like I I was saying to myself get the minor issue out of the way first because a lot of times I might go into the main issue and I forget the minor issue and yeah so.

utterance: Oh.

utterance: Yeah.

utterance: so l- I wanted to tackle the big ones so I'm not sure which direction to go here so I have as you can see a small business

utterance: Right.

utterance: And we have the opportunity to make a huge purchase of inventory for our company and I really wanna do this and a big part of me is just just saying to myself all right just throw it on the credit card on the business credit card and do it that way or do I take a small business loan out and do it that way. Which do you think would be the best route to go?

utterance: OK yeah, well we can. If you like we can just take it step by step and take our time and if you want to first check your balance.

utterance: OK.

utterance: We could do that. We can check your credit card balance and we can take it from there and see. We do have m- a few quite a few nice loan op- options for small businesses

utterance: OK.

utterance: that we can talk about after you know I'll let you know what your balance is and then maybe you can make a decision off of that.

utterance: OK.

utterance: OK, so let me. OK, so you have twenty-three thousand seven hundred and eighty-five dollars and thirty cents.

utterance: And that's that's that's the balance I have left?

utterance: On your credit card.

utterance: Yes.

utterance: OK.

utterance: Correct.

utterance: So trying to think in my head. I mean it's it'll be like ten thousand dollar investment.

utterance: OK.

utterance: And I don't really. I don't use the card that much.

utterance: Mhm.

utterance: So I think that might actually be the way to go instead of going you know through the whole loan process and then creating a whole another bill.

utterance: Mhm.

utterance: Right. I understand that. I mean you do have you're you're in high standing with Intellibank and you would get a nice sufficient loan. You'd have the lowest just based on looking at your account, you would be offered the lowest interest rate.

utterance: Right.

utterance: For a loan and then also as a side note, I would suggest for your type of business the Intellibank business silver card because there are so many perks and benefits of using that. You could even get money off of your mobile cell phone bill. You can, I mean we partner with a lot of different businesses. There's so many discounts from using that card, so I mean going forward if you don't take a loan, this is a great way for you to save money and cut corners on certain things.

utterance: I'm wondering if maybe I should look into that

utterance: Mhm.

utterance: And maybe Me. Be you know be able to also cash in on all those perks you know with this big purchase that I'm about to

utterance: Right.

utterance: Right.

utterance: Mhm.

utterance: Make. It might be beneficial in other ways to me as well.

utterance: Right, right, I mean that might be the smartest route to go before you start like dipping into using your credit cuz your credit is really really really outstanding right now.

utterance: Right.

utterance: So yeah I mean if that's what you wanna do you could totally do that and then I can send you the information about the Intellibank business silver card. and I can also, if you're interested, get you set up on your way for online banking as well which is really convenient and easy and probably best for what you're trying to do with you know your business. You can go on twenty-four hours and monitor everything.

utterance: Yeah, let's do that. Let's let's go with the online banking set up and then the information for the silver card. This way I can look into that process and ha- like if if I decide to go that route how long would it take me to get the card?

utterance: OK.

utterance: OK.

utterance: Well, I'll send you the link about it. You can read all about it and then I'll they'll have a a second link.

utterance: OK.

utterance: That will take you through applying and I'm sure you will get instantly approved.

utterance: OK.

utterance: And then it'll take about five to seven business days to get the card.

utterance: OK, yeah let's d- let's do that.

utterance: OK, so let me just confirm your email. What is your email?

utterance: It's David Kennedy

utterance: OK.

utterance: Nineteen seventy-six

utterance: OK.

utterance: At Gmail dot com.

utterance: OK, perfect OK, so I'm sending you over the link for your online banking which is gonna take you step through like step by step prompt you through everything. If you do have any questions do not hesitate to call back but we try to set it up where you don't have to call back cuz we don't want you to keep wasting your time calling back and forth so that is that and then I'm sending you right now the link to the silver card

utterance: OK.

utterance: Perfect.

utterance: And how to apply for that.

utterance: Perfect, thank you so much, yes

utterance: Oh, OK.

utterance: OK, Mr. Kennedy. Anything else I can help you with?

utterance: No that's everything.

utterance: All right have a great night.

utterance: You too.

utterance: Bye bye.


utterance: Thanks for calling Intellibank. This is Jerry, how can I help you?

utterance: Hi Jerry I received I was checking my email this morning I saw a security alert. Can you explain that to me?

utterance: Sure, I'll be happy to assist you with that. I'll first need to pull up your account information so I can see what that alert was that we sent you. If I could ask, what is your first and last name?

utterance: Benry Freeman.

utterance: And Mr. Freeman if I could ask, what is the name of the business on the account?

utterance: Ray's Construction Company.

utterance: And Mr. Freeman what is I'll just ask a few questions to verify your account because we take account security seriously here. And it is for your account protection. and any questions or or do you mind if I ask these questions?

utterance: No no go ahead.

utterance: All right and thank you for that. Mr. Freeman if I could ask, what is your business address and your business email?

utterance: my business address is three six eight eight Layman Court. Smyrna, Georgia. Three zero zero eight oh and my email is B Freeman at Ray's Construction Company.

utterance: All right.

utterance: Dot com.

utterance: All right and Mr. Freeman if I could ask, what is your date of birth?

utterance: Oh my date of birth? Date of birth is three twenty-six nineteen seventy.

utterance: And Mr. Freeman if I could ask, what is the account number?

utterance: my account number is seven nine eight six eight nine seven one two.

utterance: And Mr. Freeman, what is the PIN number on the account?

utterance: The PIN number is one seven zero nine.

utterance: Thank you for that Mr. Freeman for verifying your account and yes. I was able to pull up the alert that we sent you and it appears that from what the alert was informing you of is that there was someone who attempted to call in to inquire and access your account information and we wanted to notify you of that.

utterance: OK.

utterance: OK was is Mary Black?

utterance: yes it appears it was a Mary Black that we don't see as someone as an approved user or person for the account. Was that someone that you wanted to add to the account to have access?

utterance: Yes yea~

utterance: OK well certainly. I'll be happy to assist you with that there Mr. Freeman.

utterance: I appreciate that.

utterance: And Mr. Freeman you stated that her name was Mary Black?

utterance: Yes, Mary Black.

utterance: And Mr. Freeman what is the address for Ms. Black?

utterance: Oh she live at. Oh hang on just a moment get her address down here for you.

utterance: Sure.

utterance: Her address is seven nine eight one Layman Court. Smyrna, Georgia. Three zero zero eight oh.

utterance: And what is the business email for Ms. Black?

utterance: Her email is M B Black at Ray's Construction dot com.

utterance: OK thank you for that. And what is her date of birth?

utterance: Her date of birth is eleven eleven eighty-four.

utterance: And what is her social security number?

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

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

utterance: Her driver's license number is zero nine two five nine eight two two eight.

utterance: And what state is that license?

utterance: it's state of Georgia.

utterance: OK And what is the new PIN number that you'd like to create for her?

utterance: that be two nine seven one.

utterance: All right. Thank you for that Mr. Freeman. And let me see if we can get this processed.

utterance: I appreciate that. Thank you very much I this a new employee and this is is is this is my fault that I hadn't called in and got this done but hey. in time I appreciate you getting with me. Sending the alert out and just made me sure I was sitting down when I should've been up.

utterance: Oh no problem at all we know that you got a lot on your plate. And that's why we wanted to you know assist in protecting your account. The there Mr. Freeman you so you mentioned this is a new employee there?

utterance: Yes, new employee. Yes.

utterance: OK what department is this person?

utterance: she in finance.

utterance: All right well good. Good. I I take it that you are happy to have her on board.

utterance: Oh yeah, oh yeah. She's very qualified to take care of the job she qualified with high high marks. You know, looking forward to a long term service with her.

utterance: All right and congratulations to you and I'm sure she's exited as well.

utterance: Oh yeah, she is.

utterance: Well Mr. Freeman I was able to get this processed. and added Ms. Black to the account. And just so that you're aware you'll have the ability to customize what her permissions are for the account. So if you want to allow her to have full access to the account or limited access you can do that at your discretion.

utterance: Oh yeah I tweak that as needed.

utterance: Indeed. Well Mr. Freeman is there anything else I can assist?

utterance: that will be all. Thank you very much.

utterance: Thanks for giving us a call and we appreciate the business.

utterance: Thank you. Have a good day.

utterance: bye.


utterance: Hello, and thank you for calling Intellibank. My name is Heidi, and I will be glad to assist you today how may I help you?

utterance: Hi, I need to apply for a line of credit please?

utterance: Oh, I'll be glad to help you with that today. May I ask your name?

utterance: Sarah Thompson.

utterance: Hi Sarah, how are you today?

utterance: Good, you're chipper.

utterance: thank you.

utterance: I'm glad to help you, and Sarah, we have several lines of credit. Do you know what type of loan you would like, or shall I go over the the different types of loans?

utterance: I want the secured loan please?

utterance: The secured loan, great so Sarah, I'm gonna be asking you for some information so I can do your application online just need to you to have your driver's license and your tax ID number. I can hold if you don't have those.

utterance: I have it.

utterance: Great, all right so then let me start with your name, can you spell your first and last name for me?

utterance: first name is S A R A H.

utterance: Mhm.

utterance: Last name T as in Tom, H O M as in Mary, P as in Paul, S O N.

utterance: OK, just like it sounds, thank you. And then the, I will be needing your home address please.

utterance: Home address is two one one nine Ryecrest Road.

utterance: Ryecrest, would that be R Y E?

utterance: Correct.

utterance: And then Ryecrest is all one word or two words?

utterance: one word.

utterance: Great. And the city?

utterance: LA California nine zero zero one six.

utterance: Great, one moment. Thank you. And Sarah, what is your social security number, please?

utterance: two one three six six nine nine zero four.

utterance: Nine nine zero four?

utterance: Right.

utterance: Great. and the drivers license, what is the state it is issued from and then the number?

utterance: California.

utterance: OK.

utterance: A as in apple.

utterance: Mhm.

utterance: Six one four seven one nine two.

utterance: Seven one nine two.

utterance: Right.

utterance: Terrific. And then, we are going to create a pin number for this. and it's going to be four digits. What number would you like to use?

utterance: nine zero zero one.

utterance: Nine zero zero one.

utterance: Mhm.

utterance: Thank you, and this number you can use if you need to check your results online and going forward if the application is approved that will be your pin number, so keep it in a secure location.

utterance: OK.

utterance: All right, and then what is your email address, Sarah?

utterance: Email is Sarahs massage parlor at Gmail dot com, all one word.

utterance: OK, Sarah's Massage Parlor.

utterance: At Gmail.

utterance: Dot com, great. OK, one moment. Thank you, and Sarah are you the sole owner of your business?

utterance: I am.

utterance: Thank you. The approximate date your business was established?

utterance: Twenty seventeen, September of twenty seventeen.

utterance: Thank you, I was gonna ask you for the month, thank you so much.

utterance: Uh-huh.

utterance: What's the weather there where you are?

utterance: It is sunny and beautiful I I'm in Miami Florida and

utterance: OK.

utterance: Oh.

utterance: Interesting.

utterance: and yes it's what's the weather like where you are?

utterance: Same. Sunny, hot.

utterance: Oh, yeah, it's October in California I guess it still gets hot this time of year.

utterance: It does.

utterance: Great. Sarah, what is the gross annual sales that you had last year?

utterance: A hundred thousand.

utterance: OK. And then I will need your tax ID number please?

utterance: One one three four.

utterance: One one three four.

utterance: Nine seven six two.

utterance: OK, thank you so much. The address for your business?

utterance: Two zero five six Ventura Boulevard.

utterance: Is there a suite number?

utterance: No.

utterance: OK.

utterance: Woodland Hills, California. Nine one three zero four.

utterance: Nine one three zero.

utterance: Four.

utterance: Thank you, one moment. And Sarah, what is the line of credit you would like to open?

utterance: I'd like a line of credit for fifty thousand dollars, please?

utterance: OK. One moment. Thank you, and Sarah, the purpose of the loan.

utterance: I want to open up a different location in a second location.

utterance: Oh, that's great. All right. So I'm going to say to expand check expand the business.

utterance: Uh-huh.

utterance: Great. OK, have all this information. Sending you an email confirmation of your application. Now, all I'll need from you is for you to send photo documentation of your driver's license and a copy of your tax ID number. You can just upload it into our system.

utterance: Great, thank you.

utterance: You're welcome, thank you for calling Intellibank and have a great day.

utterance: Thank you, bye.

utterance: Bye.