utterance: Hello, thank you for calling Intellibank, this is Stevie, how can I help you today?

utterance: Hi yeah I am looking to get a stock quote.

utterance: Just a stock quote for you, huh?

utterance: Yeah. Yep yep yep.

utterance: Yeah.

utterance: I absolutely can do that for you in just a few minutes here just a few minutes of your time, I mean. you are an existing customer with us?

utterance: Yes, I am, I I just had the most delicious snack, I have to tell you. Have you ever had the sweet plantain chips from Trader Joe's?

utterance: I have and several times you're a fan yourself, huh?

utterance: Oh my gosh, yes I just had them before I got on the phone with you, they're so delicious. I had to I had to praise about them for a second. I'm I'm a snacker. Do you do you typically snack a lot?

utterance: No.

utterance: Being here at the call center, snacks is a way of life.

utterance: Oh, I yes, I have lived that life. I used to do call centre work, and that was definitely the environment.

utterance: I share a cubicle with my friend Anthony and he has snacks tattooed on his neck.

utterance: Oh snack.

utterance: The word snack

utterance: The word snacks.

utterance: Snacks tattooed on his neck. The front of his neck, or the back?

utterance: Like I said, way of life. down the side.

utterance: Wow, wow that's wild. Way of life for sure, that's crazy.

utterance: Yeah lemme generate that stock quote for your, sorry I got a little side-tracked.

utterance: That's OK, that's OK.

utterance: you're an existing customer with us?

utterance: I am indeed, yeah.

utterance: Can I get your first and last name?

utterance: Yup, my first name is Janice. My last name is Metropolis.

utterance: Janice Metropolis. Your date of birth?

utterance: Oh gosh, it makes me feel old whenever I have to say my date of birth. it's December seventh nineteen eighty-two.

utterance: December seventh, nineteen eighty-two is what we have here. And your four digit PIN number you set up with us?

utterance: Uh-huh.

utterance: yeah that's gonna be twenty twenty-one.

utterance: Twenty twenty one.

utterance: Mhm.

utterance: And the stock symbol your are inquiring about, the three usually three letters.

utterance: Yes, C D R.

utterance: C D R That's the Cadillac Development Routine?

utterance: Yep, that's correct.

utterance: Got it. CDR. should be able to pull that up rather quickly. All right, CDR, currently as of four nineteen Eastern Time today it's selling at eight hundred and forty-two dollars and fifty two cents per share.

utterance: Wow, OK.

utterance: Mhm. And now is there anything else I can help you with today?

utterance: Actually yeah, I do have a quick question about that though,

utterance: Oh go right ahead.

utterance: Have you, are you are you familiar with that stock? Is that a normal price for that usually?

utterance: I'm not really sure about that, but you might want to talk to one of our investment specialists online or at your local branch.

utterance: OK.

utterance: Yup.

utterance: OK, yeah I guess I guess I'll do that. before before I go, I actually do wanna do one more thing am I able to set up an automatic credit card payment with you?

utterance: Oh yep yep, no problem. do you wanna take care of that right now?

utterance: yeah yeah, that'd be great.

utterance: OK, so I can carry all the information from your stock quote, your first and last name, your date of birth. and is it looks like a separate PIN number set up for credit card account so do you have a different PIN number?

utterance: yeah it is a different PIN number, this one should be three four nine nine.

utterance: Three four nine nine, great. now what is the bank account number you'll be paying from, your payment source into the credit card?

utterance: Yeah that's gonna be two eight seven seven one seven eight seven.

utterance: Two eight seven seven one seven eight seven.

utterance: Yep.

utterance: and the routing number for that bank account.

utterance: Six eight seven seven two four.

utterance: Great. So you're gonna set this up for auto pay, what's the monthly amount you'd like to set up?

utterance: What's my minimum payment again?

utterance: minimum payment is currently set at thirty-two dollars per month.

utterance: OK, let's just do fifty per month, then.

utterance: Fifty dollars, I'll set that up with auto pay, you're also able to control which day of the month you'd like that to take place, what day would that you like for that?

utterance: Can we do the fifteenth please?

utterance: The fifteenth. OK. fifteenth and according to my records you have the Intellibank silver card with us, but just to verify could you give me that credit card number?

utterance: Yeah.

utterance: yeah. I do have that card and the number is five three one five zero seven three eight five two.

utterance: that is correct. so I am processing this right now, you'll see your first payment come up on the fifteenth. Just because there might be a little bit of a lag time on the first payment it will go through on the fifteenth but on your online banking records the actual payment date might appear as the sixteenth even though it was processed on the fifteenth. But I assure you I set you up for the fifteenth each month for the amount of fifty dollars and that you are now on auto credit card pay for your Intellibank business silver card.

utterance: OK.

utterance: OK.

utterance: Anything else I can help you with?

utterance: no I think that's it for me, thank you so much.

utterance: Yeah, absolutely, thank you so much for calling and thank you for being a valued Intellibank customer according to your profile, since two thousand and twelve.

utterance: yeah thank you.

utterance: Thank you, have a good night.

utterance: You too, take care.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes so I'm possibly wanting to open a business account and I was wondering what you'll required. before I'll be able to do that like what do you require for someone to do that?

utterance: Yeah I can help you to do that. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: You can call me Jill.

utterance: OK Jill so I just wanna clarify real quick, so you are wanting to open a business account so is that correct?

utterance: Probably yes but I just wanted to see what you require to do that first.

utterance: So when when you say require you, you're asking like what documentation will you require?

utterance: Yes I'm just really unhappy with my current bank and I've made several complaints and I'm really not getting anywhere. So I think I want to make a change and just change all of my bank accounts but I kinda want to get some feel out there from other banks and see what they require.

utterance: OK well Jill I'm very sorry to hear that you are very unhappy with your current bank at an Intellibank to open a business account we do require a copy of your business license. two years of personal federal tax returns two years of business tax returns and we also require two years of financial end of the year statements from your previous banking institute with those few things that you can provide.

utterance: Yes so do I have to come into a bank branch to provide all of that once I set something up or can I do it another way?

utterance: Yeah so if you think that you do wanna switch to Intellibank what I can do is, I can get some information from you over the phone today. To get that account request started. Then I will email you information pertaining our communication link and you can actually upload all the required information there for our review for us to make a determination regarding that account. Or if you feel more comfortable I can also schedule you an appointment to meet with a business banker at one of our local one of our local branches.

utterance: OK so if I start with the set up and basically do the set up over the phone and can I schedule the appointment to bring all my documents soon.

utterance: Yeah Yes I can do that for you. If you just bear with me I'm gonna need to get a bunch of information from you OK.

utterance: OK that's fine.

utterance: All right. Just a second okay.

utterance: It's no problem. I've been on vacation all week so I'm just trying to get my stuff together now, I'm not in any rush.

utterance: that's sounds like a great time. Where did you go for a vacation?

utterance: I went to Dallas it was not very exciting or anything but it was a nice little get away for me.

utterance: Well I'm sure it was at least a lot warmer there.

utterance: It definitely was for sure. It was like eighty-six degrees there when I left and I got back here and it is like forty-one degrees.

utterance: Yeah it's definitely starting to get cold here now and I'm I'm sure that Texas weather felt a lot better than it did here in Missouri. fall is upon us, so we've got nothing but rain and cold right at the moment.

utterance: Yes it was pretty heard to come back, but I'm glad I'm home. it's always nice being home after you've been gone a while.

utterance: I can understand that Joe, I do have a couple of questions for you, the first question is, what is the name of your business.

utterance: Okay and what is your date of birth Joel.

utterance: It's March second of nineteen eighty.

utterance: Ok, can you tell me what city and state you are in?

utterance: It's Kansas city, Missouri.

utterance: And what's your street address?

utterance: It's five three nine and that's Hubert road in Kansas city.

utterance: And what's your zip dear.

utterance: Seven three I two zero.

utterance: Thank you. Jill can I also get your social security number?

utterance: Yes it's seven three eight zero two zero seven eight three.

utterance: OK and do you have a driver's license and if so what's your driver's license number?

utterance: Yes so I have a driver's license it's M as in Mary nine three seven zero zero two zero zero and that's a class C driver's license. I I don't know if you need to know that. but it's a class C.

utterance: Yeah I don't need your driver's license class right this time for the account but if you tell me what state that was issued out of.

utterance: Yes so it's in Kansas, it's a Kansas license.

utterance: All right Jill.

utterance: Are you the only owner of this business?

utterance: So it's it's actually an LLC but I'm the only owner of the LLC if that makes sense.

utterance: Yep that makes sense and when did you open this business?

utterance: I opened it on April third of two thousand and sixteen.

utterance: All right, what's your tax ID number Jill.

utterance: It's seven three I two nine zero. That's a Missouri ID number too.

utterance: What is the address of the business?

utterance: It's I three seven two in Kansas city, Missouri. It's I three seven two.

utterance: Can I get an email for you Jill?

utterance: Yes it's, Jais and Jill Paica Jonson controls dot com, so it's J Paica Jonson controls dot com.

utterance: Ok. And Jill do you receive your mail at the business address or do you receive that at home?

utterance: I mean, I receive mail at both, but you can send it to the business address. I'll be more likely to get it there.

utterance: All right Jill, so you are just using a business checking account or do you also need to saving account for the business?

utterance: If I can open both, I'd like to get both.

utterance: Yap we can do that for ya. So what I'm gonna do is, I'm gonna put in a request for the Antele bank total checking account and smart saving account for the business. Ok? So, I'm gonna put that request in here Ok, I'll put the request in for ya that way you'll have all that information when ever you go in.

utterance: Yes, that'll be good.

utterance: Ok. And will it be just you applying for this account.

utterance: Yes, I'm the only owner.

utterance: Ok. So, I have all the information for ya would you like me to find a bank location close to your business, to schedule that appointment with you.

utterance: Yes, can you do that, that'd be real great.

utterance: Absolutely, so it looks like the nearest bank location to your business is about two miles away and that address is, six four nine young lane, and that's in Kansas city Missouri would you like to schedule an appointment with an account specialist at that location.

utterance: Yes that's perfect. Yes I'll do that.

utterance: Ok, do you have a time that'll work best for you or a day?

utterance: So, any time on Wednesday I'm available.

utterance: Let me see what we have available on that date. So, it looks like we have a two p.m. on Wednesday and that's with Ingrid one of our account specialists. Will that time work for ya?

utterance: Yup, I can do two p.m., That'd be perfect.

utterance: All right Jills, I'm going to email you, I'm gonna email you that list of required document that you will need to bring with you that day. And I'm also going to send this application over to Ingrid as well, so she has all of your core information I need you to please also remember to bring a valid photo ID that day cuz you will need that at the meeting as well. OK?

utterance: Ok I've got that, thank you Brenda.

utterance: Alright Jill, so I have all that information emailed there. Was there anything else I could do for you today?

utterance: No, I think that's every thing. Thank you so much.

utterance: That's no problem Jill, thank you for choosing Intellibank. Do have a great day.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Lavinda, and I'm here to assist you today.

utterance: I love your name. I'm calling because I'm trying to get into my account, but unfortunately the website isn't working. and the app also isn't working. . Yeah.

utterance: Oh.

utterance: Gosh.

utterance: I'm sorry to hear that.

utterance: Yes, I think your whole company is just working against me right now.

utterance: Oh, no. I I will say that I have had another call tonight, so perhaps there. For the same reason. Perhaps it's maintenance. but I can definitely help you with whatever you need tonight over the phone.

utterance: Oh, OK. Were you able to help them?

utterance: I was, yes.

utterance: OK, well give me help.

utterance: let me just ask you, sir. What is your name?

utterance: My name's Nick. my last name is Davis.

utterance: D A V I E S?

utterance: no, Davis, yeah. D A V I S.

utterance: I.

utterance: OK. Ay, I've seen it spelled both ways before, so I always like to confirm that. and Mr. Davis, what information or what type of account information were you looking to access tonight? Oh, excuse me one moment. Mm-mm. Pardon me.

utterance: No problem.

utterance: I have a. I have a I have a to me lern. Tome. A to me. Loan with you guys. Is that right? term loan. Term loan with you guys. But I'm just needing to update my street address.

utterance: Oh! OK, well that's definitely an easy thing to do.

utterance: Yes.

utterance: OK, so let me just ask you a few more questions so I can pull your information.

utterance: Mhm.

utterance: Mr. Davis, may I ask your date of birth, please?

utterance: Yes, five twenty-eight seventy-two.

utterance: Five twenty-eight one nine seven two. OK.

utterance: Mhm.

utterance: And then may I also get your four digit PIN number?

utterance: Yes, it's two two one seven.

utterance: Two two one seven. All right. Let me just pull this up here.

utterance: Yes.

utterance: All right.

utterance: OK, yes I do see you have a term loan with us. I also see that you have our business silver card as well as your business preferred checking account.

utterance: Yeah, actually could you tell me what the balance on that is?

utterance: On which one? The.

utterance: On both.

utterance: OK, well you want to know the balance on the checking and then the balance on the credit card?

utterance: Yes.

utterance: OK, certainly. And then you also wanted to update your address, correct?

utterance: That's correct.

utterance: All right. Very good. OK, Mr. Davis. The account balance on the silver card is two thousand twenty-eight dollars and twenty-two cents.

utterance: OK.

utterance: OK. And just so you know, we did receive the payment back on the fourteenth. The next payment won't be due again until the fourteenth of November.

utterance: OK.

utterance: All right. And then the total checking account is fourteen thousand dollars.

utterance: Cool.

utterance: OK, and now what. You want to change your address.

utterance: Yes.

utterance: OK, yeah. The address that I have here is on Orange Street, so you'd like to change that?

utterance: Yeah, I'm on Adams Lane now.

utterance: OK, and what is that address number?

utterance: It's five nine four.

utterance: Five nine four.

utterance: Yes.

utterance: And can you spell Adams for me?

utterance: A D A M S.

utterance: OK. Street, Avenue, Lane?

utterance: Lane.

utterance: Lane. OK. Is there an apartment number?

utterance: No, it's a house.

utterance: OK. And the city?

utterance: Charlotte, North Carolina.

utterance: Oh, I love it over there.

utterance: Really?

utterance: Yes, yes. I used to spend my summers there with. When I. Back when I was in college when I'd go back to visit my aunt.

utterance: Well, hopefully we love it as much as you do.

utterance: Oh, it's it's beautiful there. It can get quite quite hot and humid in the summer, but the oh, the countryside there is beautiful.

utterance: I hope I hope you love it there as much as I have.

utterance: Nice.

utterance: Me too, thank you.

utterance: You're welcome. Mr. Davison, I just need the ZIP code as well.

utterance: it's two eight four seven nine.

utterance: OK, excuse me. All right. So, let me just confirm so I can input this information, Mr. Davis. The new address is five nine four Adams Lane That's in beautiful Charlotte, North Carolina. ZIP code, two eight four seven nine.

utterance: Mhm.

utterance: That's correct.

utterance: OK. Let me just go ahead and process this for you. It'll just take one moment to update in the system.

utterance: Oh, OK.

utterance: It should. And it should show right away if you're able to access the website. It should show right away.

utterance: OK.

utterance: OK. That has been updated.

utterance: Perfect.

utterance: All right. Mr. Davis, is there anything else that I can assist you with tonight?

utterance: No, I think that's gonna be all.

utterance: OK. Well, thank you again for your call. And you enjoy your new home in North Carolina.

utterance: Thank you so much. You do the same.

utterance: Thank you for being a valued Intellibank customer. Good evening.

utterance: All right.


utterance: Hi, this is Danny Brooks at Intellibanking, how can I help you today?

utterance: Hi, this is Luis. And, I'm calling because I have a, well, I have a checking account with you. And I I was thinking of applying for a gold card next month, not not in a rush to do it right now, I'll probably due it next month. But I am considering getting an auto loan and then, I'm also thinking of starting a business, so I might want to expand and get a business account. And potentially get a SBA loan, but, before I do any of this, I I I would like to talk to a financial advisor. I've I've heard that you have a very good department of financial advisors. So, yeah, if I could get put into contact with with someone, I I'd love to set something up.

utterance: Yes, I'd love to help you get started with that today. Can I start off by getting your full name?

utterance: Oh, absolutely, absolutely, my name is Brett, Brett Mathews.

utterance: Brett Mathews, OK. And, let's see, I'm going to pull up your account. So can I get your credit card number please?

utterance: Absolutely, yeah, no problem, its its three, five two six seven eight one four four four two five nine seven four three.

utterance: OK and that was three five two six seven eight one four four four two five nine seven four three?

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

utterance: OK, great. I'm going to pull up your account. so before we proceed, I just need to verify a couple security questions.

utterance: Yeah, we can do that.

utterance: OK. Can I get your PIN for your account?

utterance: Its three two one nine.

utterance: Three two one nine. And can I also get your date of birth and the last four digits of your social?

utterance: Yeah, ten fourteen ninety and the last four are four five three eight.

utterance: OK, so ten fourteen ninety, and I'm sorry what was your?

utterance: Five four eight.

utterance: Five four eight, and what's the last digit?

utterance: zero.

utterance: Five four eight zero. OK, great. so, just the last thing is your security question. You set this up when you created your account.

utterance: OK.

utterance: What was the name of your best friend in high school?

utterance: Oh, Garret.

utterance: Garret. OK, great. so I'm opening up your account right now, I see Ok, great. so I can go ahead and help you get set up with a financial advisor. Did you have a specific date that you wanted to have this conversation on?

utterance: I was hoping to do Could we do next Monday?

utterance: OK, let me check in the system and see. One moment please.

utterance: I could do Tuesday as well.

utterance: OK, it is looking like Monday we're all booked up but let me check Tuesday for you.

utterance: OK, thank you.

utterance: OK, so Tuesday we have actually a lot of availability. Is there a certain time of day that you are looking at?

utterance: maybe around noon or one o'clock would be great.

utterance: OK, let me see, OK, we do have one at twelve thirty. Does that work for you?

utterance: That's great.

utterance: OK, so I will put you in for twelve thirty. And, how would you like this conversation to go? Would you like it to be over the phone or by email?

utterance: Oh you don't want me to show up in person?

utterance: Oh, you can also show up in person if you'd rather do that.

utterance: Oh. I think, I don't know, because then I'm going to have to move my car, I don't know if I can find parking. Its parking in is so tough. And I have

utterance: Well, we can go ahead and set you up with a phone call if that works better?

utterance: Yeah, phone is best.

utterance: OK, so I have you on Tuesday at twelve thirty and let me let you know who will be giving you a call. OK, so, it's looking like Ray Jones is going to be calling you at that time. He is one of our best financial analysts.

utterance: OK, Ray Jones.

utterance: So, yes, so he'll be giving you a call, so be on the look out our number usually pops up under Intellibank when it rings, so you'll know that's us.

utterance: OK.

utterance: I'll be looking out on on. I'll be looking out for the call on Monday, I will be.

utterance: OK, great. Is there anything else that I can help you with on my end?

utterance: No, what's your name?

utterance: I'm Danny Brooks.

utterance: Danny Brooks, you've been, you've been just so helpful, you really have.

utterance: Oh thank you, I'm so glad to hear that.

utterance: Well, thank you so much. I I really appreciate all this.

utterance: Thank you, you have a good day.

utterance: Likewise.


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

utterance: Hi Jerry. I I usually do it online but I didn't wanna do it online. I have talk to a person right now. I'd like to make a market order on the gap.

utterance: Sure I'll be happy to assist you with that there. I'll just need to pull up your account information. If I could first of all ask what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman if I could ask what is the name of the business that has an account with us on file?

utterance: Ray's Construction.

utterance: Okay. Thank you for that. And how's the day going Mr. Freeman?

utterance: Oh, it's a good day good day. Can't complain. Time has changed. It's getting dark quick now.

utterance: Indeed indeed. And you mentioned the gap. they they've got this interesting thing going on with this guy I this Kanye guy I think his name is.

utterance: Oh, OK. Yeah, he seem like a very well known popular person.

utterance: Yeah. You know my my son was telling me about him and he was telling me about how he's changing the fashion world. So and they've got some sort of deal with The Gap so I'm sure you may be following that since you're looking to buy some stock with them.

utterance: Well I just got a tip I just wanted to follow up on to see see will it pay off on me. You know?

utterance: I see. I see. Well there you go. There you go. Now I'm gonna ask you a few questions here Mr. Freeman.

utterance: And we of course do take your account security very seriously and this is for you and your business's protection. Mr. Freeman is it all right if I ask you a few questions?

utterance: Oh, sure. Go ahead.

utterance: All right. Thank you for that. first of all Mr. Freeman, what is your business address?

utterance: Business address is three six eight eight Layman Court Smyrna Georgia three zero zero eight zero.

utterance: OK. That is three six eight eight Layman's Court.

utterance: Right. Smyrna Georgia.

utterance: Three zero zero eight zero.

utterance: That's correct.

utterance: Thank you for that.

utterance: Mhm.

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

utterance: Date of birth is three twenty-six nineteen seventy.

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

utterance: OK. Thank you for that Mr. Freeman. I was just about to ask you for that as well.

utterance: Sure.

utterance: And Mr. Freeman what is your account number with us?

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

utterance: All right. And this is OK here. I pulled up your your wealth management account here and let's see final question here what is your PIN number?

utterance: PIN number's one seven nine five.

utterance: OK. Thank you for that.

utterance: Mr. Freeman I was able to go ahead and verify your account. Now you mentioned that you wanted to place a market order for Gap stock?

utterance: Yes, sir.

utterance: Let me ask Mr. Freeman. What is the symbol stock symbol for your Gap stock?

utterance: G P S.

utterance: OK. And Mr. Freeman how many shares of the Gap stock did you wish to purchase?

utterance: Oh twenty.

utterance: All right. OK. Thank you for that.

utterance: There Mr. Freeman.

utterance: OK. I've gone ahead and processed you request for twenty shares of Gap stock a a with a market order purchase. and that is reflected in your account as having been purchased and available in your account.

utterance: Thank you. Sounds good to me.

utterance: Now Mr. Freeman are there any other questions that you may have?

utterance: Naw no other questions. thank you so much. I got a tip. I love to followed up on it. And did just that.

utterance: Well I hope the tip is something that is profitable for you. And again we appreciate you considering us to place that order and of course we appreciate the business.

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

utterance: thank you Mr. Freeman. You have a great day as well.

utterance: Oh.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hey, good afternoon. It's Tony with Intellabank. How can I help you today?

utterance: Hi, Tony. where's your accent from?

utterance: you know, a little bit a here, a little bit a there, a little everywhere.

utterance: you're a world traveler. I understand. I'm the same way.

utterance: Yeah, yeah.

utterance: so, I was calling today to talk about my account. So, I have the travelers card with you guys, and like you, I like to get around. And so, I am currently paying every month. I usually give you guys a call and I've never spoken with you before. I would definitely remember a voice like that.

utterance: OK.

utterance: Mhm.

utterance: but I I do usually call, but I was wondering if I could set up an auto credit card payment?

utterance: OK. Yeah, yeah. We can do that for you. I'm gonna have to ask a few questions to, you know, make sure we got everything right. So first of all, what is your first name, last name, and date of birth?

utterance: OK, yes. It's Francine. Lonergan.

utterance: Mhm.

utterance: OK.

utterance: And that's Francine, spelt F R A N C I N E. And then Lonergan, L O N E R G A N.

utterance: Mhm.

utterance: All right. OK.

utterance: And then

utterance: date of birth, is April second nineteen ninety-six.

utterance: All right. OK.

utterance: Am I your youngest customer of the day?

utterance: yeah you might be. You might be, yeah.

utterance: I bet you get all the young girls saying you have a great voice?

utterance: You know, you got a little here, little there. You know. but you know, your my favorite one so far. I'll say that. Yeah, OK. So, for this automated, which credit card we using?

utterance: Oh, I feel honored.

utterance: let me see. OK, I I I have my card. Are you ready?

utterance: Yep.

utterance: OK. It's gonna be five five two one. Six six seven one. Eight three one nine. Two two five nine.

utterance: Five five two one.

utterance: Six six seven one.

utterance: Eight three one nine.

utterance: Two two five nine. OK and How much dough we looking to put on this ?

utterance: can you tell me what I balance is?

utterance: Yeah, right now your balance is at a reasonable six seventy-eight. Six seventy-eight.

utterance: OK, six seventy-eight. Yeah. I like to I like to pamper myself a little bit sometimes. sometimes a little too much. But you know, ladies gotta have her lingerie and candles.

utterance: Hey.

utterance: I I get you. I get you.

utterance: OK, let me see. Can we do. Can we do. Let's do let's do three hundred.

utterance: Three hundred. OK. All right. So, automatic payments of three hundred bucks a month. and what's the bank number and routing number for this?

utterance: OK, hold on one second. I just need to get that info. OK, I have that. Are you ready?

utterance: Mhm.

utterance: I got it!

utterance: OK, it's five three nine three.

utterance: Five three nine three.

utterance: Mhm. Six six five one.

utterance: Six six five one.

utterance: Seven one two zero.

utterance: Seven one two zero. OK, and the routing number?

utterance: OK. The routing is six six six seven.

utterance: Six six six seven.

utterance: Two one three nine.

utterance: Two one three nine.

utterance: Three one three one.

utterance: Three one three one. OK. So, we're trying to do the three hundred dollars and how about today as the payment date?

utterance: That's lovely.

utterance: OK. So, today the sixth. Three hundred dollars every month. And let me do a little this, a little that and boom. We got you in for three hundred dollars we're current. So.

utterance: OK. That's great. And I hope I hope you don't think this is a little too forward of me to ask, but do you usually man the phone lines?

utterance: You know, I I'm a little new at the the phone thing, but You know, it's it's it's different. It's good. I like it.

utterance: OK. So, if I end up needing to give you guys a call back, will I possibly be speaking with you?

utterance: It's possible, but I can't guarantee it.

utterance: OK. Well, that's that's good enough for me. I'll be looking forward to it.

utterance: All right. Well, it's it's a pleasure talking with you. And is there anything else I could do for you?

utterance: let me see. Is there anything else you could do for me? how about you just you just have a really lovely day.

utterance: well, I hope you do too.

utterance: Thank you. And is there anywhere that I could fill out a survey for you?

utterance: Yeah. Actually, after the call you'll get a text message in like five minutes. And you can do what you do.

utterance: OK, great. I'll definitely be leaving you a great review.

utterance: All right. Well, thank you very much and you been a great customer and I hope you continue being a being a great person.

utterance: All right. Thank you. Have a good day, cute voice.

utterance: All right. Thank you. You too.


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

utterance: Yeah, I need a copy of my loan statement. I'm just using a check with one of my distributers and my attorney needs that statement to piece together past statements.

utterance: Ok. I can help you with that. Who am I speaking with?

utterance: It's Jill Baker.

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

utterance: Just call me Jill, that's fine.

utterance: All right Jill. So you're wanting a copy of your loan statement. What type of loan do you have with Intellibank?

utterance: it's a structured loan.

utterance: OK Jill. So Intellibank does not offer structured loans. Could you possibly mean a secured loan?

utterance: Yeah. I'm sorry, that's what I meant. It's It's secured loan.

utterance: All right Jill. So I'm just gonna need to get some information from you real quick here and then I can I can do that for and get that statement for you. What is your account number?

utterance: Can you give me just one second while I look it up? Hold on one second. it's three four six zero two nine nine eight.

utterance: All right Jill and what is the name of the business?

utterance: It's Johnson Controls.

utterance: OK, Jill can I get your date of birth please?

utterance: Yeah, March second nineteen eighty.

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

utterance: Yeah, that's six four seven eight.

utterance: OK Jill and can I get the city and state that your in?

utterance: Yeah. Kansas City, Missouri.

utterance: OK Jill. Thank you for that and what is your street address?

utterance: It's five one five Hewton Road and seven three eight two zero is the ZIP code.

utterance: All right and can I confirm an email address for you?

utterance: Yeah. J Baker at Johnson Controls dot com.

utterance: All right. Thank you for all that information Jill. what periods are you wanting this loan statement for Jill?

utterance: I will just need it for the whole year of twenty twenty if I can?

utterance: Yeah. I can get that sent to you. Well so, what I can do is I can also set up your accounts for email alerts and that way those email alerts will come to you when your monthly statement is available online and then you can go log into your online account and you can download those statements there under the loan tab. right now I'll go ahead and generate these twenty twenty statements for you and then get those emailed over to you, but I did want to let you know that was also an option if in the future you you need to to come across a statement and and for some reason it's during. Not during our business hours. give me just a second OK? In just a moment I'm gonna get that pulled for you.

utterance: Thanks I didn't realize I could print them off or I would have done it myself. I'm sorry.

utterance: No. No. No, it's no problem at all. All right Jill. So I. I've got that statemail emailed over to you and I'm also gonna set those alerts up for you and did you want me to cancel that paper statement for you?

utterance: I mean, yeah that's fine. I guess if I can pull them off-line I don't need that.

utterance: OK. Let me get that canceled for you too. Give me just one second on this OK?

utterance: OK. Are you in Missouri?

utterance: Yeah. I am actually in Kansas City as well.

utterance: how you feeling about all this weather? It's been raining for weeks here.

utterance: Yeah, it's definitely been a very. you know a very dreary dark week. I think it's just kind of. There's been some you know there's been just a lot of bad storms that have kind of hit all at once in the last couple days.

utterance: Yeah we've had like some really pretty serious flooding in the area too. So I mean the rain's definitely caused a lot of damage.

utterance: Yeah I lived. I don't live very far from the riverfront, so it always makes me really nervous being in that area when ever it rains as much as it has lately, but so far you know the river. I know that there's thoughts that it's pretty high up and that it's probably flooded, but where I'm at it's still maintaining it's banks. So you know so that makes me feel more comfortable. But hopefully everything starts to kinda dry up and we get back to some normalcy, a little bit of sunshine.

utterance: Yeah, I'm ready to see some sunshine too for sure.

utterance: All right Jill, so I have that set up for you. and I have those notifications set up for you. Was there anything else that you wanted me to do while I had you on the phone?

utterance: yeah, actually can you just tell me like what my account balance is? And then I know you said that you. That is was gonna draft, but can you tell me what day it draft's on?

utterance: Yeah, I apologize I actually should have provided you with that. So it looks like on your account that your payment draft on the eighteenth of the month. So. so that should have you. That I'm So your payments on that loan will draft on the eighteenth Draft on the eighteenth of the month cuz your enrolled in the automatic payment. So I I apologize for that. I should have told you that as well. but it looks like for your. That. The loan that we've pulled up here today that I'm sending you the loan statement on, it looks like for that one you have a balance on that account of nine thousand twenty-one dollars and thirty-six cents. So that's your balance and then your next payment which is due on the eighteenth is for four hundred and four dollars and nineteen cents. and I can go ahead and include that in an email, just send that to you too. I can just do basically a a little voucher. for what you have due in the on the eighteen for that loan too and I'll go ahead and send that over to you too real quick just so you have that. So you should have those loan statements that voucher just letting you know what the. When the next payment is due. and you should have all of that stuff sent to you now. Was there anything else I could do for you today Jill?

utterance: No, I I think that's everything thank you.

utterance: All right, no problem Jill. Thank you for having a good. I'm sorry thank you for choosing Intellibank, you have a great day.


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

utterance: Hey how you doing, Jerry? I was going to stop by but didn't happen. I run out of time. But I want to transfer some funds to my cause I got a big big hit going hit my checking account. I want to make sure the funds was there to cover it.

utterance: OK. Absolutely. I'll be happy to see if I can assist you with this. If I could just ask, what's your first and last name, sir?

utterance: Benjamin Freeman.

utterance: OK. Mr. Freeman, I'll see if I can pull up your account and see if we can get this matter handled for you Mr. Freeman. What's the name of the business on file that has an account with us?

utterance: Ray's Construction.

utterance: OK. And just for account security purposes I'm going to ask a few questions of you Mr. Freeman because here we do take account security very seriously. because that is really for your protection. Is it all right if I ask you a few questions?

utterance: proceed on, sir.

utterance: All right. Mr. Freeman, let me just ask what is your date of birth?

utterance: three twenty-six nineteen seventy. And my phone numbers seven seven zero two two zero five eight five nine.

utterance: All right. And Mr. Freeman, if I could just ask what is your checking account number?

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

utterance: OK. And Mr. Freeman, what is your pin number?

utterance: Oh, one seven zero nine.

utterance: OK. Mr. Freeman, I was able to get your account verified and pulled up your account. And yes see here again, as you mentioned earlier you wanted to make sure that you had funds to cover an unexpected transaction. do you know about how much you were looking to or needing to make sure that you have funds to cover that?

utterance: it'd be ten thousand dollars.

utterance: OK. So about ten thousand dollars. what I'm seeing here sir is you also looks like you may have several accounts. One of which is your smart savings account. What might be an option for you Mr. Freeman, is we could likely look at transferring funds of the ten thousand from your smart savings account over to your total checking account. Is that something that is an option for you?

utterance: Oh, that sounds good. That's very good. It's a great option.

utterance: Terrific. And the reason I was asking is simply is because I didn't know if maybe you were calling in because you maybe wanted to a do a mobile deposit or some other type of transaction. But yes, I mean if you're looking to ensure that the funds are there you do have that balance available in your smart savings account and we can just do a transfer from that account. by the way, do you know what your smart savings account number is?

utterance: hang on just a moment. OK. OK it is right here. It's seven nine eight six eight nine one two.

utterance: OK.

utterance: OK. thank you for that, Mr. Freeman. I will look into seeing if we can get this transaction processed for you. And with that being the case while I'm getting this handled for you, are you aware at all of our online banking, Mr. Freeman?

utterance: I'm aware but I never actually did it.

utterance: Yeah, I never really put it to practice. Not really, but I've been calling in so so long, you know it's just been a habit. You know maybe you could maybe I can break this habit. Just go online and do it.

utterance: Well absolutely. Mr. Freeman certainly. We first of all want to say never ever feel as if we don't want you to give us a call. Because we certainly do appreciate you giving us a call. We're always happy to answer your call when you come in. However, there are times where we frankly are not available due to we may be closed at the time. But you do have access online twenty-four seven, three hundred and sixty-five days a year. No matter holiday weekend or what have you. where if you visit our website simply enter in your username and password. If you don't have one, you can create that yourself. Takes less than thirty seconds. And from there you'll be able to access your account information. Of course view what your account balances are within both your total checking account as well as your smart savings account. You can also transfer funds from your different accounts back and forth between each. As far as the funding goes on the transfer. You also have the ability to update your phone numbers, contact information, address add locations if you do have new locations or what have you. any questions about that?

utterance: it's no question. It sounds good. That sounds, you saved me some time and now do appreciate that. You know I'm so used to talking to a live person on a transaction business. I guess that would be optional though calling and I don't get a chance to talk to nobody. I guess I'll do it automatic. I'll do it online.

utterance: Absolutely, sir. And again we certainly do appreciate the opportunity to speak with you by phone and yes, Mr. Freeman I was able to get that processed for you. For ten thousand dollar transfer from your smart savings account over to your business total checking about and Mr. Freeman are there any other questions?

utterance: No, no, no questions. I'm just happy to know that, hey, the phone's always there.

utterance: When I check it.

utterance: Absolutely, Mr. Freeman. we certainly do appreciate you considering doing business with and us and continuing to do business with us and hopefully I'm not sure if you're going to be checking out the World Series at all but it should be a good one.

utterance: Yeah, go Braves!

utterance: Yes, sir. Have a great day.

utterance: You too. Bye, bye.

utterance: Bye, bye.


utterance: Good morning. This is Tom at Intellibank. How can I help you today?

utterance: Yeah. Hi hi, It's on I actually have my account open right now. It just kinda came to me that I've been very dormant over time. I've had a steady income for years. But I I always see these guys and these gurus talk about how to grow your wealth and I think it's time for me to do something with my money like it's not income necessarily but It's the way to grow my income. I thought you guys are bank so I'll call you guys.

utterance: Yeah, we can definitely help you out. We've got a lot of options. If you want to discuss like wealth management investment options. we've got different programs. We've got term loans, secured loans.

utterance: Do you.

utterance: Do that? Or who?

utterance: Well, basically I'm gonna set you up, book an appointment with a specialist. So it's an investment specialist. And they'll be be able to go over every program that we have And then if you're specifically interested in like investments and you'd like to, you know, plan for your future and that I'll set you up with a investment specialist that can handle all of the different programs. That's just their specialty. Can I let's start off, can I get your name?

utterance: Oh.

utterance: Yeah, yeah, Scott Sanderson.

utterance: All right, Scott. can I also get your account number?

utterance: My account number is three oh three nine six two. My date of birth is twelve twelve eighty-six. I have a bachelors degree I'm a Sagittarius.

utterance: Yeah, thanks for that information. We actually don't need that specifically although it's cool here So can I get your Pin number?

utterance: Yeah, yeah. Twelve twelve.

utterance: Twelve twelve. And we have an added security. it's just started. It's question basically. Can you give me the name of your first pet?

utterance: First pet.

utterance: Did you have a

utterance: Pet?

utterance: Yeah.

utterance: OK.

utterance: Fido. Fido. F I D O.

utterance: Fido. That's a great name.

utterance: Yeah.

utterance: OK. All right, so just entered that in. Everything works out. I got your account up here. You said, you mentioned you had your account open as well. You in front of a computer?

utterance: Yes, checking it out.

utterance: OK. That'll be great. So we have see a few options what date would work for you to meet with this investment specialist?

utterance: how about next Wednesday. Next Wednesday.

utterance: OK. Is there a morning or afternoon preference?

utterance: afternoon.

utterance: OK.

utterance: Two o'clock.

utterance: see we have two thirty open.

utterance: Great, great. That works.

utterance: OK. Next Wednesday. That's the eleventh all right. Two thirty. So would you feel more comfortable, would you like to do this as an online chat? Would you like to speak to someone?

utterance: I'd like to come in person.

utterance: OK. We definitely have that option. see. Can I get your ZIP code and lock in the closest branch for you?

utterance: That would be nine zero zero five eight.

utterance: All right. Second while I just type that in. looks like there's two options. there's one that's a mile away from you on three miles away from you.

utterance: Oh, three thr~

utterance: I know the three mile one is on Larken Drive. Is that the one? Let's do that one cuz it's kinda on my way to work and on a my way back to. I can stop by cuz I'm getting off early.

utterance: That's right, yeah.

utterance: OK. Sounds great. So we're gonna send you a text reminder of your appointment.

utterance: Mm.

utterance: it'll have the address. Sounds like you already know where you're going. So do you have any?

utterance: I just wanna confirm I'm going to the the Telegraph bank on Larken?

utterance: Yes. Larken. the text you get is gonna have a map. You can click on it.

utterance: Sorry.

utterance: OK. Telegraph bank on Larken. Right.

utterance: Is that your best? Is that one gonna work out the best? Let's see. Oh, I'm sorry, did you yeah, did you say Intellibank? Or did you just say something else?

utterance: What?

utterance: I'm sorry, I just wondered if I misheard you. Intellibank is what you're going. I just want to make sure you know that. Correct location.

utterance: Oh.

utterance: Yeah. I said telegraph. Huh. Sorry,

utterance: I went to college in Berkley. It's a little stupid. Yeah, yeah, yeah, yeah, yeah, let's let's lock it down.

utterance: OK. Sounds great. Is there any other questions or anything that I can help you with?

utterance: That's it I our daughter just spilled something. I I gotta go man.

utterance: OK. Take care.

utterance: All right. Thank you. Bye bye.

utterance: Bye bye.


utterance: Hi. This is Tom with Intellibank. How can I help you?

utterance: Hi Tom. Yeah. I've got the investment I've forgotten the investment lines you've got. I think it's the the wealth management loan and my account I think has been violated or I don't know what term you guys use over there but I, I, I called before. The guy didn't help me out. Forget his name. I don't know if you guys have in the notes that, that somebody helped me before. But they didn't, like, so help me. I don't even know why I'm using that word. Anyway, my wealth management loan, which I was suppose to receive on the fifteenth, still hasn't processed. Twenty-second now So that makes you guys a week late. And I'm trying to figure out like, what's going on? Did you have somebody that can help me? That can rush that money to me? Or, or, what, what, what, what's, what's happening?

utterance: I understand your frustration. Let's Let's get this solved. OK. Can we start off by getting your your name?

utterance: Very good. Steve. Danberry.

utterance: OK, thank you Steve. Also can I get your account number?

utterance: OK, let me see if have it on hand. Ho ho ho ho ho Yeah, four six two one nine three three three eighty-six forty one one five nine.

utterance: Alright, and can you just verify your PIN please?

utterance: Is that the four digit PIN?

utterance: Yes.

utterance: Gosh, match all this stuff, huh? OK, I think its two two nine seven, if I'm correct?

utterance: Do you want me to try that?

utterance: OK.

utterance: . That's it. Let's get started. So your concern is about your account being hacked or someone? someone got into it?

utterance: Yeah.

utterance: No, no.

utterance: look, I didn't know what happened at first but, basically my loan was confirmed and they said I would receive it by the fifteenth. I'm running a business. It's the twenty-second now. I still haven't received the loan. That's a week late. I mean what are you guys? can, who can I talk to about this? Is there a loan expert, or ?

utterance: Yes, I should be able to help you with this and First off, so you said that on the fifteenth that you were expecting?

utterance: That, that's what they confirmed. That I would, by the latest, receive the loan by the fifteenth and I still have not received it.

utterance: OK. Is that why you think that there is, like, your account's been hacked? That maybe that's why or?

utterance: No, I, I, I don't know. Like, I, I'm just using the term hacked. What I'm saying is I don't know if somebody put a stop payment on it. But I was was suppose to receive the loan so all I need from you, is, like, is there somebody I don't know if this is above your pay grade, but is there somebody who can advance the loan to me so I get it in the next day or two, even today preferably out gosh, hold on, hold on, my Hey! My dog hey Man, my dog, have, do you own a dog?

utterance: I do.

utterance: My dog is running around, eating the remote control. Which, he actually chews into the buttons and the buttons don't work and I have to actually manually get up press the buttons on the TV which you can't access the TV. This isn't nineteen seventy-two you can't use the same buttons on the TV and and I you know, now that's, that's happening too. So all this at the same time, like look, look. I just want to kind of, kind of, kind of get this done. Is there is there somebody you can, can, can send me to, that will?

utterance: I really think I can help you out. I'm sorry about your dog. I totally get it. That's pretty frustrating and totally old school. As far as it the TV stuff. how about can you tell me the amount of?

utterance: Yeah.

utterance: It's Twelve twelve thousand dollars. I just need you to.

utterance: That you were expecting?

utterance: OK.

utterance: Set, set, set something up for me. You have somebody I can talk to?

utterance: yeah, would you like to set appointment? Sally is someone that can meet with you on Zoom.

utterance: OK.

utterance: she's available most days of the week.

utterance: I can. This is tomorrow?

utterance: tomorrow would be possible. Yeah. Let me just confirm real quickly Is there a certain time of the day that works best for you?

utterance: Yeah, I don't know. What are, what are my hours, do you have?

utterance: We have nine a.m. to noon and then one to five.

utterance: OK, eleven fifteen a.m.?

utterance: All right

utterance: She's got an opening at eleven thirty.

utterance: Yeah, yeah, that's fine.

utterance: OK, lets put you in at that and would you like to have this done by phone or on Zoom? Would that help you But also kind of see a person.

utterance: So.

utterance: So

utterance: Just, just, just, just give me a call. I, I, I got, I got to get going, OK, OK? Is can you take care of this for me? Can you process that through? Just let me know it's processed through.

utterance: Yes. All right. I'm going to put in an advance There was a lock on your loan, that's for ten thousand dollars. And you wanted twelve thousand. I'm going to unlock that so that they can make the deposit. Looks like that was the reason why it wasn't deposited rules that.

utterance: OK.

utterance: Amount.

utterance: So. Thank you.

utterance: Is that it?

utterance: Yeah, unless you have any questions I'll go ahead and transfer this information to Sally.

utterance: OK. Thank you.

utterance: You're welcome.

utterance: Buh-bye.

utterance: Take care.


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

utterance: Hello Giana. I keep forgetting when I have to pay this bill. my business has me working late almost almost almost night almost every night. and so it's hard to even pay attention what's going on at the end of the day sometime. I would like to set up a I would like to set up this bill for automatic payments, so I don't have to worry about this anymore. Can you help me with that please?

utterance: Absolutely sir. I can go ahead and set up automatic billing in our system for you. But first I'll need to get a little bit of information from you so I can pull up your account and set that up. Is that all right sir?

utterance: Yes. That sounds fine.

utterance: Alright sir.

utterance: Can I have your first and last name, firstly?

utterance: Yes. My name is Gabriel. My last name is Robertson.

utterance: Alright Gabriel. Mr. Robertson, can I also have your date of birth now?

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

utterance: OK sir. To verify that was ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: Alright. Thank you so much Mr. Robinson. And couldn't you give me the PIN associated with your account with us?

utterance: Yes. I sure can I got a a few of those and I don't know which one you might have on file. So I'm just gonna call them out.

utterance: All right sir.

utterance: OK.

utterance: OK. The first one is four four four three four five. the second one is three three seven eight seven eight four and the last one is four four nine five four nine.

utterance: Alright sir. It looks like you went ahead and updated your PIN from the from the first one you gave to four four nine five four nine. So if you could make a note of that in the future. Yeah. You won't have to go through that whole list of PINs anymore.

utterance: OK.

utterance: OK.

utterance: I appreciate it.

utterance: That's no problem Mr. Robinson. Alright. Next sir, we're gonna need the recipient name that you're gonna set up the billing for.

utterance: yes. The the the recipient name is M and M Wholesale.

utterance: OK sir. That was M and M Wholesale? All right. Could you give me the street address for that business?

utterance: Yes.

utterance: Yes. That is nine ten Willow Road.

utterance: OK. Nine ten Willow Road? And could you list the city, state and ZIP code please?

utterance: Yes.

utterance: Yes. That city is Seattle that state is Washington and that ZIP code is nine eight one one three.

utterance: Alright sir. Again you said that this business location is nine ten Willow Road in Seattle, Washington ZIP code nine eight one one three?

utterance: Yes, that's correct.

utterance: Alright sir. Thank you so much for that information. Alright. Could you now list the source account you're gonna want this auto-billing set up with sir?

utterance: yes. That source account number is four zero nine five five two three one five seven.

utterance: Alright sir. You said four zero nine five five two three one five seven?

utterance: Yes. That's correct.

utterance: Alright. Thank you sir for that. And could you get the payment medium you would like set up for that account. Would you like that direct debit or would you like that set up as a checking withdrawal?

utterance: let me do a checking withdrawal please.

utterance: Alright sir. Let me advise you that the direct debit is an immediate transaction withdrawal from your account. The checking withdrawal will take anywhere from one to three business days.

utterance: well. Well let me get the direct.

utterance: All right sir. that's no problem sir. I will absolutely set this up as direct debit. A lot of people don't understand how that works sometimes. That's no problem sir.

utterance: Thank you for that.

utterance: Well, I'm happy you explained it to me.

utterance: OK. Next Mr. Robinson, I'll need the destination account number please?

utterance: Yes. Destination account number is, I believe is, six nine one three three six seven four seven zero.

utterance: OK sir. To verify that was six nine one three three six seven four seven zero?

utterance: Yes. That would be it.

utterance: OK sir, and the destination routing number please.

utterance: OK. And that number is three zero nine four four eight seven four one.

utterance: OK sir. You said that number as three zero nine four four eight seven four one. Is that correct?

utterance: Yes.

utterance: Alright. Thank you so much sir. Could you give me just one moment while I set up your request for automatic billing in our system.

utterance: Yes. I sure can. That's fine. So have you been. So you have been having a busy day today?

utterance: Oh actually Sir, I actually been very busy today. I've actually answered about sixty calls today.

utterance: Oh wow.

utterance: Oh yes. It's been back-to-back. Most of them have just been simple enquiries though so it hasn't been too hectic.

utterance: stay busy.

utterance: Oh yeah. It really is. Makes the day go by quicker.

utterance: Alright sir. I've gone ahead and set up the automatic automatic billing request in our system. That will go into effect immediately and the next billing cycle should be around the twenty-fifth of this month. That's usually when these billing debits take place. if you need any further information on this we will be sending out a notice to let you know about your billing and how you set up this account in our system. We can also notify you by email if you would like information sent that way sir?

utterance: OK.

utterance: Alright sir. first of all let me go ahead and verify that email address on file. You have a business and a personal. Which one would you like that sent to sir?

utterance: Send it to my personal.

utterance: Alright sir. That is listed in our system as G Robinson four seven four two at Gmail dot com.

utterance: Yes. That's it.

utterance: Alright Sir. I'll go ahead and send that notice though to that email address as well. And for future reference if you would like to set up any more automatic billings and you don't wanna give us a call, you can always set this up online at Intellibank dot com when you access your online banking account sir.

utterance: All right, thank you. I'll keep that in mind.

utterance: All right.

utterance: No, it's no problem Mr. Robinson. Is there anything else I can help you with sir?

utterance: no, that's about it.

utterance: All right. Thank you for your time and patience sir. Again, my name was Giana and I hope you enjoy the rest of your day. Thank you sir.

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi there. My name is Bob. Thank you for calling Intellibank, and who am I speaking with?

utterance: this is Bob.

utterance: Hey Bob. Nice to meet you and

utterance: Nice to meet

utterance: You too.

utterance: how can I help you out today?

utterance: have a new credit card.

utterance: Mhm.

utterance: lost the one I had. gold card. I just need to get that replaced.

utterance: Mhm.

utterance: OK I'm sorry to hear that you lost your card, but I can certainly help you out in replacing that gold card.

utterance: Mhm.

utterance: And Bob what is your last name?

utterance: Roberts.

utterance: Roberts. OK. Let's see if I can pull you up. can you confirm your email address for me please?

utterance: Yeah. Bob Roberts at Gmail dot com.

utterance: OK let me pull you up here. All right Bob. Well it looks like your account has been flagged for previous suspicious activity so it notated to confirm some privacy information.

utterance: OK.

utterance: Can I get your date of birth please?

utterance: Ten one eighty-eight.

utterance: Mhm. OK. And then can you confirm your date of birth with me please? Or I'm sorry your pin number?

utterance: Yeah three two three two.

utterance: Pin number. OK. And then how about your account number?

utterance: Account number is one eight five two five seven.

utterance: All right and how about the last four of your social?

utterance: Two zero seven six.

utterance: OK. I don't know if you could just answer one security question for me. What is your favorite fruit?

utterance: bananas.

utterance: Bananas. All right. Looks like it is you. And we can go ahead and replace that gold card for you. And what will be your desired credit limit?

utterance: Well what what exactly can I do there?

utterance: Sure. Well previously it looks like you had a credit limit of thirty-five hundred.

utterance: Mhm.

utterance: And that's actually as high as we we allow for the gold card, but if you did want a higher credit limit you could also apply for the platinum card today.

utterance: Oh OK. let's go ahead and try that.

utterance: OK great. You. Let's talk a look here. What's your shipping address?

utterance: six three zero zero Bootstrap Way.

utterance: Mhm.

utterance: OK great. Well I went ahead and applied you for that platinum card and you did get approved, so I can go ahead and ship that out with your gold card.

utterance: Oh great.

utterance: Yeah absolutely. And what would you like to set those pin numbers to for both cards?

utterance: three three five three.

utterance: Three three five three. OK. And I recommend using a different pin number for the other card as well just since you did lose the first one.

utterance: OK.

utterance: Mhm. What'd you like the pin to be for the gold card?

utterance: two five two five.

utterance: OK great. All right. So that'll be for your gold card and the first number will be for your platinum card. And then would you like to link an existing credit card to your gold and platinum cards?

utterance: sure yeah. Thanks.

utterance: OK great. So we go ahead and link. Looks like you have a traveler's card. I can link the traveler's to both cards and that'll earn you some more cash back and double your rewards points as well.

utterance: Oh that's great. Thank you so much.

utterance: Of course. All right. So I will go ahead and request to have these shipped out. And can you confirm your shipping address one more time for me?

utterance: yes. sixty-three hundred Wilshire Boulevard Los Angeles, California. Nine zero zero three six.

utterance: Mhm.

utterance: OK great. And it looks like you've had an auto shipment of checks being sent to you, but you've canceled that when you canceled your card. Would like to resume the the shipment and get a new sheet of checks?

utterance: Yes.

utterance: Ye~

utterance: Yes please.

utterance: All right I'll go ahead and send those out. And that'll just be and eight dollar service fee. Is that OK with you?

utterance: yes. Thanks.

utterance: OK great. All right. I'm sending those two cards out and you can expect to receive the new credit cards as well as your sheet of checks within the next few business days. I would say give it three to five. So it's Friday today, so they should go out on Monday.

utterance: Oh OK. That's fantastic. Thanks so much.

utterance: Of course. did you have any other questions about your cards today or your other existing accounts?

utterance: No. I I don't think so.

utterance: OK. Well I'll go ahead and send transcript of our call today to your email. That way you're able to reference in the future. And if you have any questions upon that reviewal feel free to give us a call as well.

utterance: OK great. Thanks so much. That was very helpful.

utterance: Of course. It was my pleasure assisting you. Take care.


utterance: Hello and thank you for calling Intellibank. My name is Leslie, how may I assist you today?

utterance: Hi, Leslie.

utterance: I need to make a wire transfer please.

utterance: You'd like to make a wire transfer?

utterance: That's correct.

utterance: All right. I'd be glad to help you with that. And, who do I have the pleasure of speaking to today?

utterance: My name is Jennifer.

utterance: Hi Jennifer.

utterance: Hi.

utterance: How you doing today?

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

utterance: Good. Oh, you're in a great mood.

utterance: I know.

utterance: Jennifer, let me just get a little information so I can pull up your account.

utterance: Mm

utterance: What is your last name?

utterance: last name is Coleman. C O L E M A N. Middle name is Rebecca.

utterance: Oh.

utterance: Thank you for that. Jennifer Coleman will work purposes.

utterance: Oh, OK.

utterance: Thank you for having that though. And, may I please get your date of birth?

utterance: date of birth is five two nineteen eighty-one.

utterance: OK.

utterance: My social or last four numbers are six two one seven.

utterance: my address.

utterance: Oh, one one moment please, Jennifer. Thank you so much. I won't need all that information but again, thank you for having it prepared.

utterance: Oh, OK.

utterance: date of birth and all right the next thing that pops up for me to ask if your four digit PIN number.

utterance: Three three one seven.

utterance: Three three one seven.

utterance: All right. Terrific. Now you'd like to do a wire transfer. I see that you have our business preferred checking.

utterance: Yes.

utterance: And, I guess you also have our smart savings.

utterance: Which account would you like to do the transfer from?

utterance: from my checking please.

utterance: Wonderful. And, is this going to be an international or a domestic transfer?

utterance: domestic.

utterance: OK.

utterance: Can you please provide the checking account number?

utterance: Checking account number is seven seven two six.

utterance: Oh, Oh I'm seven seven two six. OK, very good. And, how much would you like to transfer?

utterance: Fifty dollars.

utterance: Fifty dollars. All right.

utterance: Yeah, I know that seems silly, but I just wanna. Yeah I know it's a very small amount. It's actually probably the wire fee is probably more money than I'm transferring. Is that true?

utterance: I will be able to see that when I know where where's it's going. It is based on where where it's going.

utterance: Oh, it's a domestic account.

utterance: OK. The fee should be nominal if there is any fee but, I I will be and I can verify that for you before we put anything though. If that's a help to you.

utterance: OK.

utterance: Sure.

utterance: All right. Can you please provide the routing number for the wire transfer?

utterance: Oh shoot.

utterance: Can you hold on please? Let me get that information.

utterance: No problem.

utterance: OK. I have it are you ready?

utterance: I am. I'm sorry. My screen is freezing. Just one moment please.

utterance: It's

utterance: Yeah?

utterance: Oh

utterance: boy.

utterance: we've been having some technical difficulties today but it shouldn't be long.

utterance: Oh.

utterance: I hate technical difficulties.

utterance: Oh, I know. The more advanced we get the more we fall behind.

utterance: All righty. Got it. Can you go ahead and provide that routing number please?

utterance: zero one two seven six five three four one seven.

utterance: All righty. That's quite the number there.

utterance: I know.

utterance: All right. And, the account number where you would like the transfer?

utterance: Account number is seven seven six five.

utterance: OK. And, that is domestic so let me just look that up here.

utterance: All right. See here that the fee is five dollars for this transfer.

utterance: Oh, that's not so bad.

utterance: All right. So then let me go ahead and confirm what we're doing.

utterance: We are transferring fifty dollars from your smart savings account number seven seven two six using the wire transfer number of zero one two seven six five three four one seven into the domestic account of seven seven six five.

utterance: And the fee for that is five dollars.

utterance: Do you agree to that before I go ahead and initiate the transfer?

utterance: that's fine.

utterance: All right. One moment. You will hear a brief silence while I am initiating the transfer.

utterance: OK.

utterance: Terrific. Everything went through and an email confirmation was just sent to the email address that we have on file, at Jennifer Coleman at Gmail dot com.

utterance: Great.

utterance: Is there anything else that I can assist you with today? Any questions I can answer for you?

utterance: Yeah. Can you tell me what the meaning of life is please?

utterance: Oh. Well, I tell you what, I figure that out I'm gonna give you a quick phone call.

utterance: Thank you.

utterance: You're welcome. Although, I think maybe it's to just be kind to each other.

utterance: Oh.

utterance: Thanks.

utterance: Bye.

utterance: Thanks for making my day and have a great day.

utterance: Bye.


utterance: Hi. Thank you for calling Intellibank customer service. My name is James and I will be your customer service representative. How can I help you today?

utterance: hi. yeah I'm just calling because I need wanna hear about your guy's loans that you guys offer.

utterance: Yes absolutely we offer all sorts of loans. first of all let me get your first name and last name and we'll go ahead and get your your account opened up.

utterance: Great it's Scott Purrell.

utterance: All right and can you spell that last name for me Scott?

utterance: P U R R E L L.

utterance: Fantastic. OK. And can I get your street address and social security number?

utterance: street address is three six four nine Glendale Boulevard in Glendale California nine zero two four two.

utterance: Fantastic and can I also get that social security number.

utterance: Oh sorry.

utterance: Sorry, social security is three seven four zero five two two one two.

utterance: Fantastic and what is your driver's licence number?

utterance: It's D six eight six zero seven seven one California.

utterance: Fantastic and what is your PIN number for this account?

utterance: Eight two eight zero.

utterance: Fantastic and can I also get your email?

utterance: My email. My personal email?

utterance: Your your business email.

utterance: My

utterance: Business email is Purrell photography spelled out at Gmail dot com.

utterance: Fantastic. And I'm going to assume that Purrell Photography is your business name correct?

utterance: Correct.

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

utterance: I am.

utterance: Great and when was your business established? What was the establishment date?

utterance: let's see is twenty-seven twenty eighteen is when I started yep.

utterance: Fantastic. What are your gross annual sales?

utterance: Gross annual sales is about. What I do last year? I'd say it's definitely over forty. I would say forty-two K. Forty-two. Forty-two thousand yeah.

utterance: Fantastic.

utterance: Fantastic. Thank you for that information and can I get your tax ID number?

utterance: Mm OK Give me one second OK? I gotta go get it.

utterance: Absolutely. Take your time.

utterance: Mm OK hello?

utterance: Yes I'm right here.

utterance: OK Tax ID three five eight two one.

utterance: Fantastic and can I get your business street address as well?

utterance: Yeah it's one one two Oak Park Drive suite two zero one in Pasadena California nine zero one five three.

utterance: Fantastic and I'm also going to need a mailing address. Would you like us to use your business street address or your personal street address for the mailing?

utterance: Yeah.

utterance: It's.

utterance: Business one please. It's the same. It's the same one.

utterance: Great thank you. I'll just go ahead and copy and paste that information over. OK so I'm looking at your information and the type of loan that I think would be most appropriate for you and your business is a secured loan

utterance: OK.

utterance: Now how much how much would you like your loan to be?

utterance: OK I'm thinking I need fifty thousand.

utterance: Was that fifty thousand?

utterance: Correct. Five zero zero zero zero.

utterance: Great. Now how long would you like to How long would you like to? what's the long term? Would you like to pay this off in twelve months, in twenty-four months?

utterance: I need a little more time than that. Do you guys have a sixty month term? Can I do that sixty? Five years?

utterance: Yeah we can absolutely do that.

utterance: Cool.

utterance: Yeah and what is what's the purpose of this loan?

utterance: Oh man. I just need to need to update some of my lighting equipment, get some more mobile backgrounds, yeah yeah. About it. Lights are getting kinda old. mm.

utterance: Yeah.

utterance: Sounds like a good reason to to to get a loan absolutely. So given the the amount that you are asking for we will need a collateral type that is of generally an equivalent equivalent value. Do you know what you'd like to put up as collateral for this loan?

utterance: Mm.

utterance: Yeah I'd like to put my car please.

utterance: OK great can I just get the make and model of the car?

utterance: sure it's a Tesla.

utterance: Fantastic. That would.

utterance: Yeah.

utterance: That'll work perfectly.

utterance: model model X.

utterance: That's great. I bet she's smooth.

utterance: It is.

utterance: so based on the type of loan that you're going to be getting, there's gonna be a two point nine percent interest fee on top of the loan. Is that OK with you?

utterance: Yeah that's a great that's a great rate thank you.

utterance: Great so we're going to need some supporting business documents to to verify this information so I'm going to be sending an email to your account which will which will kinda itemize what you can provide as information and then we will let you know once we have that information whether you are approved for the loan or not. Does that sound good to you?

utterance: Great.

utterance: Fantastic. We'll be back with you very soon. Otherwise I hope you have a fantastic day.

utterance: Actually can I ask I actually I wanted to ask you about like a credit card. I'm wanna get another credit card as well. Do you guys have like a like a bronze card or like something like that like . What kind of cards do you guys offer in terms of cards?

utterance: Yeah.

utterance: We offer all sorts of credit cards. It looks like right now you have a a rewards card but you are eligible to to upgrade to a cash back card if that is if that's good for you.

utterance: Mm.

utterance: Oh cool yeah like a OK yeah let's do that. But they're not colored? You guys I kind of always wanted like a colored card.

utterance: This one is colored it's red.

utterance: Oh.

utterance: Oh great great great love red.

utterance: That's great. OK well I'll go ahead and put that request for you as well and you'll be getting a lot of information from us over the next couple of hours but bear with me that's going to be about your credit card and your secured loan. Is there anything else I can help you with?

utterance: That's it thank you.

utterance: All right take care.

utterance: Bye.


utterance: Hi. Thank you for calling Intellibank. My name is Cindy. And how may I assist you today?

utterance: Hey Cindy. How are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. And how about yourself?

utterance: Oh I'm doing great thank you. I was thinking about applying for a loan. We're going to hopefully be adding a new building on to my business. And I was wondering what the required business documentation would be that I would excuse me that I would need for that?

utterance: All right ma'am. we would need your business license, two years of your personal tax returns, two years of your business tax returns and then two years of your year-end financial statements.

utterance: OK well that sounds great. Now if it's OK could I go ahead and well see about borrowing some money for that? What I'm needing to do like I said is we're thinking about adding on a new building. And I would have collateral for that if needed.

utterance: All right ma'am. So were you needing to apply for a secured loan?

utterance: Oh yes ma'am. Thank you.

utterance: That's not a problem ma'am. I do need to get some information from you so we can get the application started all right?

utterance: OK. What info do you need ma'am?

utterance: Well ma'am let's start off with your name please.

utterance: OK. this is Elizabeth Smith.

utterance: All right Ms. Smith. Thank you. And may I have your home address please?

utterance: yeah. My home address is four eight seven zero College Avenue. And that is in Fletcher Ohio four five three two six.

utterance: Thank you ma'am. I have four eight seven zero College Avenue in Fletcher Ohio. And that ZIP is four five three two six?

utterance: Yes ma'am.

utterance: Thank you Ms. Smith. And may I have your Social Security number please?

utterance: sure. My Social is two eight one five four eleven ninety-one.

utterance: Thank you ma'am. So that's two eight one five four one one nine one?

utterance: Yes ma'am.

utterance: Thank you. And may I have your driver's license number please?

utterance: sure. It's an Ohio driver's license. And the number is S E three nine two nine zero zero.

utterance: Thank you Ms. Smith. So that's an Ohio license. And the number is S E three nine two nine zero zero?

utterance: Yes ma'am.

utterance: Thank you. And I do need a PIN number for you. so if you ever need to call in and get any information. Then you would need this to be able to access that. Now this can be between four and eight digits long.

utterance: OK. how about four eight nine five one eight three six?

utterance: All right ma'am. So that PIN number's gonna be four eight nine five one eight three six?

utterance: Yes ma'am.

utterance: Thank you so much. And may I have your email address please?

utterance: sure. That is Smith underscore Elizabeth sixteen at Gmail dot com.

utterance: All right ma'am. So that's Smith underscore Elizabeth one six at Gmail dot com?

utterance: Yes ma'am.

utterance: Thank you. And may I have the name of your business please?

utterance: Sure. our business name is Capital Corp.

utterance: Thank you. Now is that C A P I T A L C O R P?

utterance: yes ma'am. It sure is.

utterance: Thank you. And are you the sole owner of this business?

utterance: Yes ma'am. I sure am.

utterance: Thank you. And what date was your business established?

utterance: Oh it was established August the fifteenth two thousand and nine.

utterance: Thank you ma'am. And what are your gross annual sales?

utterance: our gross annual sales are twenty-two million a year.

utterance: All right. Thank you so much. And I also do need your tax ID number please Ms. Smith.

utterance: OK My tax ID is three six eight five eight nine four one two.

utterance: Thank you ma'am. I have three six eight five eight nine four one two?

utterance: Yes ma'am.

utterance: Thank you and may I have your business address please?

utterance: sure. That business address is four one nine four Hoffman. H O F F M A N. Avenue. And that is in Fletcher Ohio. And the ZIP is four five three two six.

utterance: Thank you so much Ms. Smith. I have four one nine four Hoffman. H O F F M A N. Avenue in Fletcher Ohio. four five three two six?

utterance: Yes ma'am.

utterance: Thank you. And I do need a mailing address for you. That can either be your home address or your business address.

utterance: I would prefer to get my mail at my business.

utterance: All right ma'am. So that's the address of four one nine four Hoffman Avenue in Fletcher Ohio four five three two six?

utterance: Yes ma'am.

utterance: Thank you. And what type of collateral would you like to use for this loan?

utterance: inventory please.

utterance: All right ma'am. And what how much were you looking to borrow?

utterance: probably five million.

utterance: All right ma'am. So five million. And you said the purpose for this loan was for construction costs. Is that correct?

utterance: Yes ma'am.

utterance: Thank you.

utterance: And how long do you think it would take you to pay this back? I need a loan term that can be from six months to ten years.

utterance: probably eight years.

utterance: All right. Well Ms. Smith that does it for my side right here. That's all the information that I do need for the application. Now I do need you to please send in your supporting business documentation. And we will get back to you just as soon as possible with the results of your application. All right?

utterance: OK well that sounds great Cindy. Thank you so much for your help today.

utterance: Thank you so much Ms. Smith. Was there anything else I could assist you with?

utterance: No ma'am that is it.

utterance: Thank you Ms. Smith for calling Intellibank. You have a wonderful day.


utterance: Oh thank you for calling Intellibank. My name is Maribell and I'm happy to assist you on this call today. Who do I have the pleasure of speaking to?

utterance: I have.

utterance: Mike.

utterance: Hi Mike, how are you today?

utterance: I'm OK how are you?

utterance: I'm doing just great. What can I help you with today?

utterance: OK I have a couple things. I wanna look at exchange rates and also have a previous question too. so last time I I called up here about an exchange rate for what's it called, the Yen?

utterance: Mhm.

utterance: Yeah OK so I I got a number and it was point nine three and I went there like a week later, it'd had dropped it was like point eight two. So I'm just kinda curious where the discrepancy there is. I don't know what's going on.

utterance: OK, not a problem. the reason that you see a drop is because it can change from day to day. Dollar values are based on current currency trends, the market people's spending habits. So it can change daily, it can change weekly. It's not set by us, it's set by the federal trade.

utterance: Oh.

utterance: OK. That's a big drop.

utterance: Yeah. if you're planning a trip or if you have some travel coming up what I like to suggest and if you have some time to plan, keep your eye on it because you could see forecasts, you can see trends. There might be a better time for you to exchange.

utterance: No I understand.

utterance: I'm gonna forget Yen, I'm gonna go with the Euro. Can you tell me what's some of the information on that?

utterance: Sure, if you'd like me to pull up that, I just need to get you into our system. May I have your first and last name please?

utterance: I'm Michael.

utterance: And your last name?

utterance: Adams.

utterance: Would that be A D A M S? OK great and there is a four digit security PIN that you created for your account.

utterance: A D A M S.

utterance: Yeah, OK.

utterance: And that, I'm sorry, go ahead.

utterance: Three two six one.

utterance: Three two six one. OK great, that does let me into the system and if you could please just verify your date of birth?

utterance: Yeah. July fourth Nineteen ninety-five.

utterance: OK. All right, independence baby.

utterance: Born on America's birthday yup.

utterance: There you go.

utterance: All right so, let me pull up and I apologize, I forgot, what is the other currency you wanted to look at?

utterance: Well I'd like to look at the Euro.

utterance: The Euro, oh of course. All right. I'm just loading this into the system. and while I'm doing that, I just wanted to let you know, this is actually something you can do online as well. There's a tab called categories on the website. You just click on that and you'll see get exchange rate.

utterance: OK.

utterance: Categories yep. Sorry can I have the websites?

utterance: WWW dot Intellibank dot org.

utterance: Dot .

utterance: I can also send you an email with a link to it. I see your email on the system.

utterance: No, that's that's OK. I can do this. Do it there. OK WWW dot Intellibank dot org yeah. Then we start using that.

utterance: OK.

utterance: Oh.

utterance: Yeah. That way you can.

utterance: Keep an eye on the or you can just call us and we can do it.

utterance: Yeah.

utterance: I can I'm gonna start checking more often if it can change that much but.

utterance: Yeah.

utterance: It's neither here or there you were talking.

utterance: If you follow the stock market too, that's always a good indicator of change.

utterance: Oh no.

utterance: OK, so Michael for the Euro, I'm just looking at the actual transport too. It's actually been staying pretty consistent which is great. It's coming in at point nine five compared to the American dollar.

utterance: Point nine OK, that's that's nice, that's good. OK.

utterance: Yeah. That's.

utterance: That's for today. overall it's ranged between point nine two and point nine five over the last quarter.

utterance: It's not having a.

utterance: Crazy drop off like Japan's having so I think I'll the Euro. Huh. I think that can take me just about anywhere in Europe right? For for the most part.

utterance: Yeah.

utterance: For the most part yes any any part of the I don't know if you'd say the continental Europe but Italy, France.

utterance: Yeah those are the main ones I wanna hit, so I can just stick with that now and be good. OK.

utterance: England, yeah all of that.

utterance: Great. I think you think that's what I'm gonna do if you can go ahead and exchange five hundred dollars of American. Just gonna be a little spending money.

utterance: You wanna do that right now?

utterance: Oh yeah.

utterance: All right. I'll just need to gather a little bit more information to do that. Do you have a few minutes?

utterance: actually to something so I I don't I'm so~

utterance: OK, I'm sorry about that. just give us a call back when you have some time OK.

utterance: Of course.

utterance: Of course. So you have a good one.

utterance: Well thank you for calling, and have a great day. OK bye bye.

utterance: I gotta get going. Bye.


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

utterance: Yes. So I'm trying to find out what the Consumer Price Index is.

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

utterance: My name is Jill and it's Baker.

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

utterance: You can call me Jill, that's fine.

utterance: All right Jill. So you are wanting to check the Consumer Price Index. Is that correct?

utterance: Yes, that's right.

utterance: Do you currently have an account with Intellibank?

utterance: I do.

utterance: OK. And do you own a business?

utterance: Yes, I do.

utterance: OK. And what kind of goods do you sell at your business?

utterance: So I own Johnson Controls. it's a medical supply place. I So we sell medical supplies.

utterance: OK. And what periods are you wanting to look at for that price index?

utterance: So if I can look at just twenty twenty if I can. My my sister and I, we have a bet. about what's up right now. So I want to see what it's up to. So I really need to know this information so I can win that bet against her basically.

utterance: OK, I understand that. let me look into this for you. Give me just a moment, OK?

utterance: OK. That's no problem. Take your time.

utterance: OK. So, right now for twenty twenty the cost of consumer goods sold for medical supplies looks around it's around twenty-four percent. This is actually one of the highest averages since ninety ninety-eight. And in. I mean the surge is probably a likely result of the pandemic and just the influx of medical supply needs that that pandemic has caused but but yeah, right now it's twenty-four percent and it's it's the highest average since nineteen ninety-eight.

utterance: What do they usually use these figures for? Like what agency is responsible for researching these figures. I'm just curious.

utterance: Yeah, so the CPI measures and examines the weighted average price of a a basket of consumer good or services. So it's it's a statistical measurement that we use for of inflation. it measures the average change over time in the prices paid by the urban the urban consumer goods and services in the US. And the Bureau and Labor. The Bureau of Labor and Statistics, they're the ones who conducts this research on the national level. So, there is there's actually also some business software that keeps track of these statistics for businesses and then they compare them with the national statistics. So it's kind of a cutting edge way for businesses to do some some cost comparisons.

utterance: That's super super interesting. I appreciate it. Thank you for running that for me.

utterance: Not a problem. any time you'd like to find out any of the CPI what the current CPI is or any any CPI information you can also find that information on the US Bureau of Labor and Statistics website. They do a really great job of breaking down each good in each period and give a pretty detailed explanation to the current index. or you're also welcome to call us here at Intellibank and that's that's essentially what we do is we go to the US Bureau of Labor and Statistics and we have a contract with them to get gather that information.

utterance: OK. So you said that's Department of Labor?

utterance: No, it's actually the US Bureau of Labor and Statistics. so I can actually give you their website number if you have a pen.

utterance: Yeah, go ahead.

utterance: Yeah. So their website is W W W B as in boy. I as in Igloo. S as in Sam. Dot gov. So it's W W W BIS dot gov.

utterance: OK. So just for for clarification purposes, so what they're doing is they're basically comparing an average for whatever that good is. So if I was for instance selling food, then they'd compare that average compared to all the people in the US selling good. Selling food. I'm sorry. Is that how they do it?

utterance: Yeah. So like I said it's a statistical major, so they're used. They use it to basically determine the proxy for inflation on on the cost of goods sold. So, they'll they'll take that consumer good. It's it's what the price of that is paid by an urban goods and services in the US, and so then they kind of take that over the national average and compare it to all those all of those goods sold. and then they they break down a a national average for whatever that good is or that service is. So, travel is one that they they often keep track of, they keep travel, you know obviously the whatever goods and services as far as food. you know grocery items, clothing. I mean they do they do all the different breakdowns. You can actually when you go to that website you can actually on the the US Bureau of Labor and Statistics, they have an a section where you can kind of break down your exactly what you sell so that they can break that ratio up for you and give a determination.

utterance: OK, right, that's super interesting. I appreciate it. I'm sorry. I didn't mean to bother you for that information. I knew if I could have looked it up myself. I just I just wanted to win that bet with my sister.

utterance: Any time Jill. was there anything else that I could do for you today while I had you on the phone?

utterance: No, I think that's that's everything that I wanted. I appreciate it again. I've got the website, so, appreciate it.

utterance: No problem at all Jill. I I want to thank you for calling Intellibank. Again, if you ever have any questions in the future or you want us to run that information from you again please just let us know but thank you for calling Intellibank and you enjoy your day.