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

utterance: Hey! How you doing, Jerry? I was was going to stop by, but I didn't have time. But I need to request a investment report on my business.

utterance: Certainly! I'll be glad to assist you with that. I'll need to pull up your account and see exactly how we can help you. first if I could ask, what is your first and last name?

utterance: Benjamin Freeman.

utterance: And, Mr. Freeman, what's the name of the business that has an account with us on file?

utterance: Ray's Construction Company.

utterance: OK. Thank you for that. And I'm going to ask a few questions for account verification purposes. And this is for you and your business's protection. first, Mr. Freeman, what is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: All right! And, Mr. Freeman, what is the phone number associated with your account?

utterance: that would be seven seven zero two two zero five eight five nine.

utterance: Thank you for that. And, Mr. Freeman, if I could ask, what is the account number associated with the account.

utterance: OK, hang on just a second. OK. A account number is nine eight four six five nine one nine.

utterance: Thank you for that. And, Mr. Freeman, if I could ask, what is the PIN number associated with your account?

utterance: one seven nine five. I wonder what the Braves doing now since they're on vacation now.

utterance: Well, you know, the. I think they won the World Series, is that right?

utterance: Yeah, they. That's right.

utterance: Well, they're probably in Mexico or in some country celebrating with the team and and their families.

utterance: Yeah, that sound that sounds about right. Maybe it's. Look like Matt Ryan ought to go on vacation. Just leave now in the middle of the season.

utterance: I'm not sure who Matt Ryan is, sir.

utterance: Oh, that's the quarterback for the Falcons.

utterance: Oh, that explains why I don't know who he is.

utterance: Oh, OK. Well, now he's not that famous.

utterance: but the Braves congratulations to them. I know that they won the World Series. And I did see the last game of that, and they really made it exciting with the home runs. I think that one guy hit it out of the park literally!

utterance: Yeah, he made a statement!

utterance: Quite impressive, quite impressive!

utterance: Yes.

utterance: and Mr. Freeman, now you mentioned that you wanted to request an investment report be sent to you?

utterance: That's correct.

utterance: And how did you want that? I believe you mentioned you wanted How did you want that sent? Was it by mail or email?

utterance: email be sufficient.

utterance: All right! And Mr. Freeman, let me just ask, what's the email address that you want the investment report sent to?

utterance: Oh, it'll be at B Freeman at Ray's Construction dot com.

utterance: OK. that email address is B Freeman at Ray's Construction dot com?

utterance: That's correct.

utterance: All right. And let me see if I can get this processed for you. let me also ask, Mr. Freeman, did you want this sent just this one time here today, or did you want that sent on a regular basis?

utterance: On a regular basis.

utterance: OK. So what we'll do then is have this sent out to you monthly to the email address you provided at B Freeman at Rays Construction dot com. And I was able to get that processed for you, your request Mr. Freeman. and you should receive that report shortly.

utterance: OK, that'd be good!

utterance: Oh, thank you! That's good.

utterance: Yeah, I'd like to check the balance on my credit card.

utterance: Certainly! I'll be glad to help you with that. Mr. Freeman, let me just ask, what is the credit card number that you have with us?

utterance: ! Shoot, man! I don't have it on me right now, man. Wow!

utterance: OK!

utterance: Look like we gonna have do it at another time or something. I wanted to do it now, but I don't have the card on me. I don't know. Maybe I left it in another pants pocket.

utterance: certainly! I understand and regret that we were unable to pull up that information because we would need that card number in order to access your account. However, you can one, either give us a call back once you have the card number, and I'll be happy to assist you. Or secondly, you can simply go online. And when you're online, you'll be able to access your credit card account and, of course, see what your credit limit is, what your payment due date is, and your account balance along with any transactions that may have been charged to the account.

utterance: That sound good! That look like the .

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

utterance: Yeah, that's it! Appreciate. Thank you for all you did!

utterance: Well, we certainly appreciate you giving us a call, and you have a great rest of the day!

utterance: You, too! Bye bye!

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: OK. Hello. My name is Charlene.

utterance: Hi Shirley. How may I help you today?

utterance: I've been making payments for but I'm not sure how for I've gotten with it and how much the balance is remaining because I am not haven't been able to look look up look up on it.

utterance: All right, no problem. So you'll like to check your loan balance?

utterance: Yes.

utterance: I'll like to check up my loan balance.

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

utterance: first I will gather some pieces of information from you so I can go ahead and do that. So may I have your name and date of birth please?

utterance: OK. My name is Shirley Peterson and my date of birth is twenty-ninth December nineteen ninety.

utterance: Thank you and can you spell your last name for me please?

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

utterance: All right. Thank you so much for that. And can I get your pin number?

utterance: OK. My pin number is three five four .

utterance: All right. Thank you. And also can I get your loan account number please.

utterance: All right. It is three five four six six eight, seven nine, two four.

utterance: OK and just to confirm, that is three five four six, six eight, seven nine, two four?

utterance: Yeah that is correct.

utterance: All right. Thank you for that.

utterance: So I do see your account shows you have a remaining loan balance of six thousand and five hundred.

utterance: Oh OK. That seems to be when I the payment that I've been making.

utterance: Yes. And just to let you know, you have made already payments in total of three thousand and five hundred.

utterance: Oh yeah, that's that's all right. That's OK. That adds up for me.

utterance: All right. Absolutely. Do you have any other loans that you'll like to check the balance of?

utterance: No that's that's the loan I wanted to check up on for today. But I was wondering, do you guys have business business credit cards or business placards?

utterance: Oh yes, so we do have business platinum cards. so these are credit cards that we offer we offer gold and silver as well. But platinum is our highest credit card. So with this card, it requires minimum balance of two thousand dollars.

utterance: And it's lower interest fees as well. And higher rewards than our other cards.

utterance: Oh OK. And can I just walk up to any branch and get one?

utterance: yes. You can go to any nearby branch or you could sign up for it online as well.

utterance: Oh OK. and how is the weather over there?

utterance: Oh the weather is so nice. Thank you. It's been very warm and sunny lately here. How about the weather with you?

utterance: over here is also nice but it's also very nice. But a bit more hot than expected. But it's all right with us.

utterance: Yes it's been raining lately where I have been so warm and sunny weather is nicely appreciated

utterance: Oh OK. And I would like to know can is there another way I can know my balance without having to call or come up to the branch?

utterance: Yes absolutely. we offer online banking so you can check your balance through our app that we offer in our app store. Or you can go to our website and log in through there.

utterance: Oh OK. And what are the requirements needed for me to access my accounts through the online app or website?

utterance: So the only requirements are that you will need to provide your username and password. but that is basically it. There's no extra fees or anything for online banking.

utterance: Oh OK. So theres, I won't be charged for using the website or or app?

utterance: Correct. No, there is no charge.

utterance: Oh OK. Thank you for that.

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

utterance: No that's it for now.

utterance: All right. Thank you so much Shirley and have a great day.

utterance: Thank you. And thank you for your time.

utterance: You too. All right.


utterance: Hello, thank you for calling Intellibank my name is Lynn. How may I assist you today?

utterance: Hi Intellibank. How are you?

utterance: I'm great and this is Intellibank. Want to make sure you're calling the right location.

utterance: Oh yes, I am. Sorry about that.

utterance: Well, that's no problem. It's a It's a common mistake. Intellibank I guess we like to think of ourselves as the Intelligent Bank.

utterance: Great.

utterance: How may I help you today?

utterance: I need to apply for a real estate loan, please.

utterance: Absolutely and you're an existing Intellibank customer already?

utterance: I am but I've moved recently so I'm not sure what address you have on file for me.

utterance: OK we we can check that. may I get your name, please?

utterance: my first name is Daniel second my last name is Fine.

utterance: F I N E?

utterance: Yes, that's right as if I'm as if saying I am a fine human being.

utterance: OK and the address that you have on file with us. That you think you have on file with us.

utterance: eighty-seven twenty-seven Moorcroft Place.

utterance: Let's see and what is your four digit pin number, please?

utterance: Seven two one seven.

utterance: Very good. and I'm sorry repeat the address again just the street is fine.

utterance: Eighty-seven twenty-seven Moorcroft.

utterance: Yes, that is the address we have on file for you.

utterance: Oh OK perfect.

utterance: OK. and you said you'd like to apply for a real estate loan?

utterance: Yes, please.

utterance: Alright, let me go ahead and pull up that application. And Danielle. Is that D A N I

utterance: E L.

utterance: One L OK. F I N E?

utterance: Yes.

utterance: Alright, and because I am now on a different screen could you repeat your address for me?

utterance: Eighty-seven twenty-seven Moorcroft Place. and that's Woodland Hills California nine one three oh four.

utterance: Thank you so much and Daniel your social security number, please.

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

utterance: Thank you. Your driver's license number and the state it was issued.

utterance: California twenty-nine fifty-seven sixty-one seven.

utterance: Sixty-one.

utterance: Seven.

utterance: Thank you and your pin number, please.

utterance: Seven six one seven.

utterance: Thank you so much and your email address.

utterance: Daniel Fine at Yahoo dot com.

utterance: Thank you and Daniel the name of your business.

utterance: Daniel Fine Properties.

utterance: Thank you and are you the sole business owner?

utterance: Uh-huh.

utterance: Alright, and approximately when did you establish your business both month and year?

utterance: January twenty eighteen.

utterance: Thank you so much and your gross annual sales for the year twenty twenty.

utterance: One hundred thousand.

utterance: Thank you and your tax I D number.

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

utterance: Thank you and the address of your business.

utterance: Address of my business is twenty-one twenty-two Sandlewood Street and that's West Hills California nine one three oh four.

utterance: Thank you and is that. is your mailing address the same as your business address?

utterance: Yes.

utterance: Thank you and what is the purpose of your loan?

utterance: I wish to purchase real estate.

utterance: Alright and how long would like to carry the loan for?

utterance: Ten years.

utterance: Thank you and what is the cost of the property you'd like to purchase?

utterance: A million dollars.

utterance: Alright and what is the address of where the real estate is located?

utterance: address is four six seven two Diamond Drive Palm Springs California nine one six six four.

utterance: Thank you so much and what is the down payment? It should be between five to twenty percent.

utterance: Twenty percent.

utterance: OK. Alright very good. I am finalizing your application to send in. I will send you an email confirmation where you can review this application and please be advised that it will ask for photo documentation that you will need to upload your tax I D number and your driver's license. That completes the application unless you have any other questions or anything I can assist you with.

utterance: No that's it thank you.

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


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

utterance: Yes Jerry, I called in earlier to check on my intelligent account balance but I'm calling back because I forgot to tell you that I didn't get my credit card statement.

utterance: Oh well we certainly regret hearing that and I will pull up your account and see if we can find out exactly what happened there. First of all, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards if I could ask, what is your business name that has an account with us?

utterance: Joan's Bed and Bath.

utterance: OK that's Joan's Bed and Bath.

utterance: Right.

utterance: Thank you.

utterance: And Ms. Richards I'm going to ask you a few questions for account verification purposes. We do take your account security very seriously here and it's really for you and your business's protection. let me just ask first, Ms. Richards what is your date of birth and phone number?

utterance: Eleven eleven nineteen eighty-four. My phone is six seven eight two zero two four two five three. And by the way I also would like to get my credit limit.

utterance: Absolutely. I'll be glad to assist you with that as well. And let me just ask Ms. Richards what is your business address?

utterance: All right now I'm not sure which on you have on file. ten seventy-five Layman's Court. Smyrna, Georgia. Three zero zero one zero. And that one forty-one Oakwood Avenue. Smyrna, Georgia. Three zero zero eight zero.

utterance: OK thank you Ms. Richards. And let me ask, what is your credit card number.

utterance: All right can you hold on for just a minute while I get that?

utterance: Sure.

utterance: All right that is four four seven nine six five three two seven four four six three nine two six.

utterance: All right thank you for that Ms. Richards. And I have a last question here for verification purposes is what is the PIN number for your account Ms. Richards?

utterance: One zero one seven.

utterance: Thank you Ms. Richards. And I do see that it is the one four one Oakwood that is the address that we have on file for you.

utterance: All right great. Thank you very much. you know I tell you I'm so excited about the holiday coming up. It's coming up pretty quick. bout it's a couple of weeks away. Thanksgiving and then that'll bring us on into the other it's just the rest of the year's just celebration. Birthdays for family members of mine and then we got just a lot going on and I just think it is so much to look forward to.

utterance: Absolutely you're exactly right. It's always exciting with the holidays. And in your case you mentioned you also have some personal family celebrations to enjoy. I I'm sure you are really gonna have a packed schedule really for the reminder of the year.

utterance: It's always that way.

utterance: Well that sounds exciting. I mean it's good to I guess look at it on the bright side of the things. It's good to have stuff to do.

utterance: I agree. I am not no complaints here.

utterance: indeed Ms. Richards indeed. Now Ms. Richards when I pulled up the account you mentioned that you didn't receive your statement. It seems as if. Pardon me. We have it where your statements are sent to an email. And the email address that we have on file for you Ms. Richards is J Robertson at Joan's B B dot com. Is that correct?

utterance: No that's not correct.

utterance: well that might be why you didn't receive your statement. Ms. Richards if you would let me know, what is the correct email address?

utterance: It's E dot Richards at J B B dot com.

utterance: E dot Richards at J B B dot com.

utterance: Yes.

utterance: OK well I have gone ahead and updated that for you Ms. Richards. And you'll now receive your statements at that email address moving forward. having said that are you aware of when you're next payment is due on your credit card?

utterance: No.

utterance: OK well if you're not just so that you know you're next payment is due on November the twenty-fifth of this month.

utterance: OK.

utterance: Would you like to go ahead and schedule a payment for your credit card?

utterance: Yes.

utterance: OK. Not a problem at all Ms. Richards let me just ask Ms. Richards when did you want to schedule your payment?

utterance: Next Wednesday.

utterance: OK you want to schedule that for next Wednesday. And what's the amount of payment that you wish to schedule for your credit card?

utterance: Fifteen thousand dollars.

utterance: All right so we are going to get this set set up for fifteen thousand dollar payments scheduled for next Wednesday.

utterance: Great.

utterance: And Ms. Richards what's the account routing number that you wish to have payment made for you credit card?

utterance: Three two eight one seven four two seven eight.

utterance: OK and what's the account that you wish to fund the payment to your credit card?

utterance: Six one zero four nine one.

utterance: All right. Terrific terrific. I've got this set up here for you and I know you mentioned that you called in earlier about the business smart savings account.

utterance: Yes.

utterance: And you don't do you need to know what the balance is on that?

utterance: No, I don't.

utterance: OK you they gave that to you earlier?

utterance: Yes.

utterance: All right. All right well Ms. Richards now that we've addressed this here for you. We've updated your contact information. So you'll receive your statements to the new email address. the correct email address. And we've gone ahead and scheduled a payment for next Wednesday for fifteen thousand dollars to your business platinum card. from the account information that you provided. Ms. Richards is there anything else we can assist you with?

utterance: No there's nothing else for today. I appreciate your help.

utterance: Thank you Ms. Richards for giving us a call and you have a terrific rest of your day.

utterance: Same to you, thank you.

utterance: Thank you. bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, this is Morgan speaking. How may I assist you?

utterance: Morgan, what's up?

utterance: Hi!

utterance: So, I need to make a payment, and then after I make that payment I need to schedule a payment for future payments.

utterance: OK sir. Would you like to be set up on auto pay?

utterance: yes, but first I need to make a payment for my, my credit card past due balance.

utterance: OK. I'd be happy to assist you with that, sir. May I please have your first name?

utterance: OK.

utterance: Yeah, absolutely. First name is gonna be Byron, B Y R O N. Last name is going to be Hue, H U E.

utterance: thank you Mr. Hue. may I also have your date of birth and PIN number please.

utterance: Date of birth is gonna be zero five, twenty-four, nineteen ninety. PIN is going to be zero eight, eighty-eight.

utterance: Excellent, Mr. Hue. And may I also have your account number please?

utterance: I don't have the account number, I tried to log onto y'alls website at WWW dot Zellibank

utterance: that would be Intellibank, sir.

utterance: OK, I'm sorry about that. lots going on here, which is why I'm, like, behind on my credit card bill. I I just I my home flooded and I just got super set back. but.

utterance: I'm so sorry.

utterance: To hear that, sir.

utterance: Yeah. Well I appreciate that. But anyways, So. Yeah, I need to make a Well first, can you tell me my past due balance?

utterance: yes sir. but before I can do that I do have to get into your account. You don't have your account number, but maybe. Can I have the last four digits of your social?

utterance: Yeah, absolutely.

utterance: Thank you.

utterance: Six four seven nine.

utterance: Excellent. And for your security question, what was your favorite video game when you were ten?

utterance: Madden, M A D D E N.

utterance: OK, excellent. OK. We are in. So you said that you would like to make a payment for your credit card? I'd be happy to assist you with that, sir. now we don't have a card on file for you right now, so what card would you like to use, sir?

utterance: Yeah, so, I would like to use my Visa.

utterance: OK. whenever you're ready, I can take the card number.

utterance: Yeah. Four eight four four, two three nine two, six two three three, zero nine zero five.

utterance: Wonderful. OK. Zero nine zero five. And may I have the expiration date please, sir?

utterance: Zero eight, twenty-two.

utterance: Perfect. And, may I have the security code on the back, please?

utterance: Yes, it's gonna be one eight three.

utterance: OK. And how much would you like to make a payment on your credit card today, sir?

utterance: What's the past due balance?

utterance: six hundred dollars and thirty-four cents.

utterance: Let's take care of all of it.

utterance: OK. I will go ahead and process that right now, and I will send an email confirmation to Hue Huey at Gmail dot com. Is that the correct address you have with us?

utterance: It sure is.

utterance: Yep.

utterance: OK. Wonderful, sir. So just give it about twenty-four hours and then you will see that confirmation, but it has been processed now.

utterance: OK. And then can we make a a schedule. can we schedule the payments from here on out?

utterance: OK.

utterance: Absolutely, sir. So you, you wish to have auto pay, correct?

utterance: Correct.

utterance: OK, great. Was there a particular day of the month in which you like to have your auto pay set up for?

utterance: I would like to do the twenty-first of every month.

utterance: OK, we can make that happen. All all right. would it be with that same card that we just put on file?

utterance: Yeah.

utterance: Absolutely.

utterance: OK, sounds wonderful. I'm gonna go ahead and set up that auto pay, and we are. Oh, just one second, sir.

utterance: Mhm.

utterance: Sorry, my, my computer. Oh, this technology, I swear!

utterance: No, no problem, I understand.

utterance: OK, it, it looks like we are good to go. With that auto pay for the twenty-first of every month, and so I'll go ahead and send that email confirmation as well, sir. And again, it might take twenty-four hours to fully show up, and also check your spam folder, just because. It's rare but sometimes our emails do go to spam.

utterance: Mm K.

utterance: OK, no problem, I'll definitely give it a look-see.

utterance: Absolutely! Now, was there anything else that I may be able to assist you with today, Mr. Hue?

utterance: no, I, I think that's fine. if I have any more questions I'll just give y'all a call back or even come in person, so, I think we're good to go here. I appreciate you so much.

utterance: Oh, you're very welcome, sir. Well, if there's nothing else I can do for you, thank you for calling Intellibank. You have a lovely evening.

utterance: Thank you, you as well. Goodbye.

utterance: Goodbye!


utterance: Hello and thank you for calling Intellibank. My name is Gianna, how can I help you today?

utterance: Hello Gianna, how are you today? The reason I'm calling is I would like to set up I would like to set up automated automated billing for my account. can you help me with that?

utterance: Yes sir I certainly can help you with that but first I'll need to get a little bit of information from you before I can complete your request. Is that OK?

utterance: Yes.

utterance: Alright sir. First of all, can I get your first name please?

utterance: First name, Gabrel.

utterance: Alright, is that G A B R E L?

utterance: Yes.

utterance: Alright. Gabrel, can I have your last name please?

utterance: yes, my last name is Robinson.

utterance: OK, that's R O B I N S O N Robinson?

utterance: Yes.

utterance: Alright, thank you very much sir. Can I have your date of birth please?

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

utterance: OK, that was ten, twenty-four, nineteen seventy-four?

utterance: Yes.

utterance: Thank you so much Mr. Robinson for giving me that information. I'm gonna also need the customer PIN for this account?

utterance: All right, the customer PIN for this account is, for my for this account is four four nine five four nine.

utterance: Alright sir, that number was four four nine five four nine?

utterance: Yes.

utterance: Alright, can I have the recipient name for this billing?

utterance: Alright yes. It's R J Trucking.

utterance: OK that's R J as in June Trucking?

utterance: Yes.

utterance: Yes ma'am.

utterance: All right thank you. And can I get the street address for that?

utterance: Yes, it's nine ten Willow Road.

utterance: Alright, nine ten Willow Road. And the city?

utterance: Seattle.

utterance: And the state as well?

utterance: Washington.

utterance: Alright sir, can I get the ZIP code for that location?

utterance: Yeah the ZIP code is nine eight one one three.

utterance: All right so we're sending this billing as R J Trucking, nine ten Willow Road, Seattle, Washington at nine eight one one three?

utterance: Yes.

utterance: All right. And can I have the source account number for the payment debit?

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

utterance: OK sir to repeat that number was four zero nine five five two three one five seven?

utterance: Yes.

utterance: OK and when exactly what's the way in which you would want this withdrawal, do you want this as a checking withdrawal or direct debit?

utterance: direct debit.

utterance: Alright sir, I'll put that down as notation. And can I have the destination account number?

utterance: yes can you hold on till I get that please?

utterance: Yes sir certainly can.

utterance: Alright. All right. I got that, it's six nine one three three six seven four seven zero.

utterance: All right.

utterance: Alright, that number was six nine one three three six seven four seven zero?

utterance: Yes.

utterance: Alright sir and can I have the routing number please?

utterance: Yes the routing number is three oh nine four four eight seven four one.

utterance: Alright to verify that routing number was three zero nine four four eight seven four one?

utterance: Yes.

utterance: OK sir, give me just one moment while I make sure all this information is in our system.

utterance: All right.

utterance: Alright Mr. Robinson I've set up your payment your automatic billing payment in our system it is the recipient name for R J Trucking. Street address nine ten Willow Road in Seattle, Washington ZIP code nine eight one one three we have the source account listed as four oh nine five five two three one five seven and the destination account is six nine one three three six seven four seven zero. That's gonna be a direct debit from your account so when it comes out it's gonna be automatically withdrawn that day for this billing cycle. The automatic billing will be set up immediately so you can expect that to go into effect within this coming billing period. Also you will get a notice in the mail and your receipt in the mail as well as an email because you have listed on file with us as email for notifications from your account.

utterance: OK.

utterance: Oh.

utterance: All right, so I got email for my notifications? OK.

utterance: Yes, sir. You have email

utterance: Listed as notification as well as direct mail this is for notifications. You will get the bill in the mail and all this information on this auto-billing statement so that you'll know in advance exactly when it's gonna come out and everything that's set up.

utterance: OK.

utterance: OK sounds great.

utterance: Alright sir, is there anything else I can do for you today sir?

utterance: no that's it.

utterance: Alright. And for your notification we also have online banking in order in just in case you wanna set up another automatic billing with us more conveniently in the future.

utterance: OK sounds great.

utterance: Alright sir. Thank you so much for giving us a call today Mr. Robinson my name was Gianna and I hope you enjoy the rest of your day.

utterance: Thank you, you too.

utterance: Thank you sir, bye bye.

utterance: Bye bye.


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

utterance: Hello Bill.

utterance: Hello. And your name?

utterance: Oh Martha P.

utterance: Hi Martha P. Martha P. what can we do for you today at Intellibank?

utterance: Mhm I just would like to add a user to my account.

utterance: OK. That's pretty simple.

utterance: It is isn't it?

utterance: Yes absolutely.

utterance: Mhm.

utterance: OK. So let me pull up your credit card and we can get started.

utterance: Great thank you. Yeah.

utterance: Sure thing.

utterance: Sure thing.

utterance: Did you get my account info pulled up?

utterance: No I just need your credit card. I'm just waiting on that.

utterance: Oh, you.

utterance: Oh, you're just waiting on that. It's one zero two eight zero six three four two two one.

utterance: Fantastic and before we proceed just need to get a little better information you know? Security on your account there. Give me your full name please.

utterance: Martha P. It's P E E I A.

utterance: P E E I A OK Martha. Thank you so much and Martha your date of birth please?

utterance: August twentieth nineteen seventy-six.

utterance: Fantastic Martha. Thank you.

utterance: Thank you.

utterance: good and lastly this is the answer to your security question your first pet?

utterance: Apples.

utterance: Apples absolutely great. OK Martha Peeia. you wanna add a user to your account here? I see your business account?

utterance: I think I also asked if the last four digits of my social security could be part of my.

utterance: OK, of course. .

utterance: My security

utterance: Entrance enter my account information.

utterance: Absolutely.

utterance: What are those last four numbers?

utterance: Four three two one.

utterance: Four three two one.

utterance: And can you please make sure that that's added to my account?

utterance: I'm gonna do it right now.

utterance: So that every time I call. I wanna be asked.

utterance: OK Martha absolutely. four three two one that has now been added to your security profile.

utterance: And now

utterance: Ask me.

utterance: They'll ask you right after they ask about Apples. There you go. So four three two one OK so I'm seeing a business account. it looks like you are Is everything OK Martha? Looks like you are eligible for our platinum card. If you have any questions about that I would love to text or email you the info about that. You can also Is everything OK on your end?

utterance: Everything's not okay. I just recently lost Apples.

utterance: Oh I'm so sorry. Would you like to change that question?

utterance: No I wanna be reminded of her.

utterance: Very good.

utterance: Mhm.

utterance: OK Martha

utterance: Can I can I tell you what happened?

utterance: If you would like yes.

utterance: Well do you have time?

utterance: I have all the time for you Martha.

utterance: Thank you Bill. So Apples she was just a little pup.

utterance: Mhm.

utterance: And she passed on.

utterance: I'm very sorry.

utterance: So early.

utterance: Yeah. Of course.

utterance: Has that

utterance: Have ever happened to you?

utterance: I've never owned a dog .

utterance: Any any creature?

utterance: I had a fish when I was younger and a hermit crab. Do you remember hermit crabs?

utterance: Oh I love a hermit crab.

utterance: Yeah we got a bought a few of those in Florida and They don't last very long either.

utterance: They don't?

utterance: No.

utterance: You know I was thinking I'm glad we had this talk. I'd like to get a hermit crab.

utterance: Well Martha any pet store I think especially in the Florida area.

utterance: Not if they don't

utterance: Last long. I'm not in Florida. Are you?

utterance: No, I'm not.

utterance: Oh. You just got Florida on the.

utterance: That's just where I bought my

utterance: Hermit crab. Kirby. That was his name.

utterance: Oh, OK.

utterance: That's a good name.

utterance: Kirby, yeah.

utterance: All right.

utterance: Little little tip about hermit crabs. You do have to buy extra shells because they like to change shells. That's what I learned.

utterance: As they get bigger?

utterance: As they get bigger.

utterance: Is that why yours didn't live long?

utterance: He didn't live long cuz I only had one shell and he climbed out of it and died. And he was just spread out on the floor and it was really gross looking.

utterance: Did you. What'd you do with him? His dead body? And then you ate it?

utterance: Yeah it was delicious. So we wanna add a another user to your account here? do you have the name for that person?

utterance: Mhm.

utterance: Yes.

utterance: What's their name?

utterance: Paula Ati.

utterance: Paula Ati? OK. And do you have a phone number for this person?

utterance: Yes it's six two four.

utterance: Yes of course. Yes yes yes.

utterance: Three one one.

utterance: One two

utterance: Zero nine.

utterance: One two zero nine. Very good.

utterance: Mhm.

utterance: Martha. OK so Paula has now been added to your account.

utterance: What was the spelling of the last name?

utterance: A T E E E?

utterance: There's a silent H.

utterance: OK. In the beginning or the middle or the end?

utterance: T? After the T? It's about Apple still. That's why I'm just a getting a little burst of.

utterance: Sure, of course.

utterance: Of course.

utterance: Burst of feelings.

utterance: So you're saying it's Paula A T H E E E.

utterance: Yes.

utterance: OK great.

utterance: That would be the correct spelling.

utterance: OK.

utterance: Well Paula's been added to your account. Martha, I'm sorry to hear about Apples, but is there anything else I can do for you today?

utterance: Mm.

utterance: Oh no, that's it. Thank you so much. OK.

utterance: Well thank you for calling Intellibank. Thank you

utterance: For banking with us.

utterance: Mhm.

utterance: You have a wonderful day.

utterance: Thank you. Bye.


utterance: Good morning. This is Steven speaking. How may I help you?

utterance: Good morning, Steven. something has happened and I I sent a check out in the mail, in in the paper mail and I it was for the wrong amount.

utterance: OK, and just to clarify, you do have an account with Intellibank?

utterance: Well, why would I call Intellibank if I didn't have an account with you?

utterance: This is just something we wanted to verify. but so thank you for banking with Intellibank for your small business needs. And we're sorry to hear about your situation.

utterance: Oh.

utterance: I'm sorry,

utterance: Too.

utterance: So, before we can help you. And we can certainly help you, by canceling your check. we do. We would need some basic identifying information from you. could you provide us with your first name and last name, please?

utterance: Yeah, my first name is Leela, L E E L A. And my last name is Romana.

utterance: Romana spelled R O M A N A?

utterance: Yes, yeah.

utterance: OK. And your date of birth.

utterance: Two twelve eighty-six.

utterance: OK. Give me just one second while I put your information in the system.

utterance: OK. Did you say I'm gonna have to cancel the check?

utterance: That's correct, Ms. Romana. but you don't have to do anything on your end. this is something that we'll process for you and we can it's. Essentially it's called a stop check service and that's something that we do provide for all of our small business customers.

utterance: Oh, OK.

utterance: OK, Ms. Romana. We are into your account. before we proceed though, we do need your PIN for this account.

utterance: Why would you need my PIN number?

utterance: As part of bank policy, the PIN number is something that we do request on a basic level from all of our customers before they can access their account. it would be the same way at an ATM. Physical ATM if you wanted to withdraw some cash.

utterance: I just really don't feel comfortable saying my PIN number over the phone. It's really frustrating for me. I have gone through this with other representatives from your bank. I just made a simple mistake on a written check that I sent in the mail and I would really just appreciate it if you could just stop the check, or whatever the term you used was, and not ask me for my PIN number.

utterance: We understand your frustration, Ms. Romana, but that's.

utterance: I don't think

utterance: You understand.

utterance: We understand. well, at least we attempt to understand. But that's something that, unfortunately, this is bank policy and we won't be able to process your your request without your PIN number, your four digit PIN.

utterance: Well, what do you recommend then? Because I'm just you know, I'm really stressed out with my small business owner duties and I just don't really have time for a conversation like this. I just need you to stop the check right away.

utterance: We understand. but we do need you you to provide the PIN. And we assure you that this is a secure line and nothing is being recorded. And we ensure the. We want to ensure the safety of all of our business customers.

utterance: Well, how do you secure the line?

utterance: that is something that from a technological perspective, I do not know the specifics. But just know that that this is something that we do care about very, very seriously and over the many years that Intellibank has been helping its customers, we have not had any sort of data breach. So.

utterance: OK, fine. Thank you. My PIN number is fourteen eighty-two.

utterance: OK. One four eight two. So, we just accessed your account. Thank you so much. And it looks like you did issue a check dated three days ago for the amount of five thousand dollars. is this the check that you would like to stop?

utterance: Mhm.

utterance: Mhm.

utterance: Yes.

utterance: And just. Can you just confirm the check number before we proceed?

utterance: four four zero zero eight.

utterance: OK, thank you so much for confirming. And we can process this stop check request for this check, which essentially means that whoever you mailed out this check to will not be able to cash it. and the amount will not be deducted from your account.

utterance: OK.

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

utterance: No.

utterance: OK. Well, I wanted to thank you again for banking with Intellibank. And you know, hopefully we can help you out with. For future requests.

utterance: Bye.


utterance: Good afternoon and thank you for calling Intellibank. My name is Matt, how can I be of service to you?

utterance: Yeah so I'm having a problem with with the bank in general, but it has to do with my phone number.

utterance: I I just need to update it because I've been getting all these all these calls from from spam accounts trying to trying to, you know, ask for information.

utterance: and it seems like they're coming from the bank, but I'm I'm pretty sure they're not.

utterance: And maybe you can verify whether these calls are coming from the bank or not, but either way I feel that my account has been compromised and not by any fault of mine but probably due to some sort of lapse of judgment on the side of Intellibank.

utterance: So to rectify this situation I would like to I don't know I feel like I'm at the point where I want to close my account but why don't we start at the root of the problem and change my phone number, can you help me with that?

utterance: Yes I I apologize for that can I get your first and last name so I can access your account?

utterance: Yes my first name is Tory, my last name is Frederick, my birthday is January thirtieth nineteen seventy-seven.

utterance: OK can you slow down there for me Tory, could you spell your your first name for me?

utterance: Yes, that is T O R Y, Tory.

utterance: OK, and could you spell your last name for me now?

utterance: It's F R E D E R I C K, you should have this on file.

utterance: Yes we actually do have it on file, I apologize, I just needed it to get in to your file and could I get your date of birth?

utterance: Yeah.

utterance: I believe I already mentioned this before but it is January thirtieth nineteen seventy-seven, that's oh one thirty seven.

utterance: Thank you so much, and could you provide the PIN on your account?

utterance: I mean the PIN was assigned to me by the bank, and I don't use this card very often so it's not something that I have off the top of my head.

utterance: it's probably you know what I'm gonna put you on hold for a second. I know I wrote it down somewhere.

utterance: I gotta find that piece of paper so bear with me for a second, just gimme gimme ten seconds right here, can you do that?

utterance: Not a problem Tory, take your time.

utterance: Alright.

utterance: OK I'm back, I believe I've found the. It was the PIN number you wanted correct?

utterance: Correct.

utterance: Yes and for the for the small business account, correct?

utterance: Correct, yes.

utterance: So that would be PIN number six six seven two.

utterance: Six six seven two, that is that is right. OK I'm accessing your account now looks like you have a couple of different lines with us. can you confirm which line it is that you'd like to update?

utterance: Yeah and again I believe OK fine, it's six zero two three three two nine one nine four. That's the number that I've been getting all the calls from and I believe it is the number that I would like to to just cancel in general. I am getting rid of this number because it has become it has become a headache, it is too much frustration and I generally just want to get rid of it.

utterance: So I am taking it off all my accounts I've been calling different credit cards and different companies all day trying to figure this whole thing out. But I think the root of it is here at Intellibank, so if you could help me just scrub it from my account that would be fantastic.

utterance: Well again Mr. Tory I'm so sorry to hear that but rest assured we're gonna do all we can to correct this, and just to confirm again you'd like to update the number ending in nine one nine four?

utterance: Yes, that's correct.

utterance: Could you provide me with the new phone number you'd like to assign to this account?

utterance: Yeah that'll be six oh two nine two three eight three nine three.

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

utterance: Yes, that's correct.

utterance: All right we got that taken care of, is there anything else I can do for you today Mr. Tory?

utterance: No, you know what I think I'm ready just to call it a day.

utterance: Well thank you so much for your service, you've been a great customer and enjoy the rest of your day.

utterance: Thank you.


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

utterance: How you doing Jerry. I need to make a payment on my SBA loan.

utterance: And on my SBA loan to transfer it over from a checking to to pay a SBA loan.

utterance: Okay. Absolutely. I'll be happy to assist you with that. Mr. First of all, if I could just ask, who am I speaking with? What's your first and last name?

utterance: Benjamin Freeman.

utterance: Alright, Mr. Freeman. And what is the name of the business that has an account with us on file?

utterance: Ray's Construction.

utterance: Thank you, Mr. Freeman. I'll just need to ask a few questions here in order to verify your account. And this is for account security purposes because we do here at Intellibank take your account security very seriously.

utterance: Thank you very much.

utterance: Mr. Freeman if I could just ask what is your date of birth and your phone number?

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

utterance: and what is your business address?

utterance: My business address.

utterance: Is three six eight eight Layman Court, Smyrna, Georgia. Three zero zero eight oh.

utterance: and Mr. Freeman what is your account number for the checking account that you want us to transfer funds from?

utterance: That checking account is seven nine eight six eight nine one two.

utterance: Okay, and what is your SBA account number?

utterance: Hang on just a second. Okay. Okay. That number is six nine five eight seven nine eight nine.

utterance: Okay.

utterance: Okay, and finally Mr. Freeman, what is your pin number?

utterance: That pin number is seventeen zero nine.

utterance: Okay. Thank you for that, Mr. Freeman. Let me see if I can get this pulled up for you.

utterance: Thank you very much. I appreciate that. I'm just wondering why do I have to keep calling in. Is it is there another way I can do this? Automated or something, keep calling in. I don't have a problem making my payment. But it's kinda sometimes time-consuming to be calling in every time.

utterance: I fully understand your concern there Mr. Freeman. And that's a very reasonable concern that you have there and yes it appears that. First of all, I was able to pull up both of your accounts for your business total checking account as well as for your SBA five oh four loan. and it appears that when the loan was originated or set up Mr. Freeman you did not choose the option here or it wasn't provided to you either one way or the other where you could have the payment set up for either an automated payment where you would not have to call in monthly to make your payment.

utterance: Thank you. I I appreciate to be updated to that now because like I said it's time-consuming doing it. it would save me so much time.

utterance: Fully understand that. Yes sir. I'll certainly go ahead and update your billing method here on the SBA loan so that you instead have an automated payment it appears that you're saying that you want the monthly payment to just come out from your business total checking account. Is that correct?

utterance: Yeah. Just take it out of the you can take it out of the checking account. That'd be fine.

utterance: Okay. I'll do that. And I was able to get that processed there for you Mr. Freeman as far as modifying the payment method for your billing on the SBA loan so it's automated coming from your checking. Now, with that said, I have not gone ahead and done the transfer for this month. Do you wish for me to go ahead and transfer the funds from the business total checking over to your SBA loan and before I do that, let me just ask, are you aware of what your account balance is?

utterance: Let me know what that account balance is anyway.. Please.

utterance: Yes.

utterance: Of course. The account balance for your business total checking account currently is three hundred and fifty thousand dollars.

utterance: Okay. That sounds good cuz that bill is eighteen thousand dollars a month, so it's not a bad deal.

utterance: Okay. I will now go ahead per your request there Mr. Freeman and transfer funds from your business total checking over to the SBA loan and that will cover your monthly payment for this month and as mentioned earlier I've gone ahead and set up it moving forward so that it is automated payment for your SBA loan coming from your business total checking account.

utterance: Thank you very much. That sounds good.

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

utterance: That'd be all. That'd be all.

utterance: Mr. Freeman, we certainly do appreciate you giving us a call today and of course of course hopefully you enjoy the holidays upcoming.

utterance: I sure will. Hope you do the same.

utterance: Bye bye now.

utterance: Bye bye.


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

utterance: Yes, I want to update my email address.

utterance: l'll be happy to help you with that. I'm just gonna need to pull up your account information. Is that all right?

utterance: Yes, it is.

utterance: OK. First of all, I'll need to know what's your first and last name?

utterance: Evelyn Richards.

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

utterance: Jones Bed and Bath.

utterance: OK, Ms. Richards. Thank you for that. And you said you wanted to update what exactly? Your?

utterance: Email address.

utterance: Email address? All right Ms. Richards what's your date of birth?

utterance: eleven, eleven, eighty-four.

utterance: All right and again, I'm gonna ask a few questions in this case because we need to verify your account because we do take account security very seriously.

utterance: OK, that's that'll be fine.

utterance: And what is your business address?

utterance: Ten, seventy-five Laymans court, Smyrna, Georgia three, zero, zero, zero, eight.

utterance: All right and Ms. Richards what is the bank account number that you have with us?

utterance: Nine, eight, four six, five, nine, one.

utterance: Terrific. And finally, what is the pin number on your account?

utterance: One, zero, one, seven.

utterance: All right and Ms. Richards, I was able to pull up your account and what I will do is go ahead and ask you, what is the email address that you want to change this to?

utterance: E dot Richards at J B B dot com.

utterance: And you know, I'll tell you, I'm just so excited. My daughter is is talking about Halloween Halloween and everything. And you know she's just eleven years old. So you know I it's just exciting, it's fun and you know you just have to. You as parents, you're concerned but you just have to you know just let them go ahead and enjoy themselves.

utterance: Yes ma'am. I agree with you. eleven years old? I'm sure she's just a bundle of energy.

utterance: She is, she really is.

utterance: and you're right. I mean the holidays are here you know right around the corner from that will be Thanksgiving and then right around from that is Christmas and New Year's.

utterance: Oh yeah.

utterance: Her name is Megan but yeah she she's something else.

utterance: Oh Megan, that's a beautiful name.

utterance: Thank you.

utterance: And.

utterance: And you know I I really have an invoice I need the currency exchange rate for twenty thousand dollars to euro. Can you help me?

utterance: sure, I'll be happy to help you with that. And just so that you know I was able to go ahead and change the email and to your account. So that new email address has been added and.

utterance: I really appreciate that.

utterance: As far as the invoice you mentioned. Yes, if you're looking to find out what the currency exchange rate is for your twenty thousand dollar invoice. Is that correct?

utterance: Yes, it is.

utterance: And you wanted to find out where exactly was the exchange rate what is the other currency that the destination currency that you are looking for?

utterance: Euro.

utterance: OK so twenty thousand US dollars to the euro is going to convert to seventeen thousand, one hundred and ninety twenty-eight euro.

utterance: OK.

utterance: All right.

utterance: So twenty thousand US dollars converts to seventeen thousand, one hundred and ninety point two eight euro.

utterance: All right . OK thank you so much.

utterance: You're welcome. So when you do that invoice if you're, for instance, looking to send an invoice, you would send the invoice over in that amount and that would translate to twenty thousand US dollars on your end.

utterance: Well that's why I'm glad I bank with you all cuz I definitely need help with things like this.

utterance: That's what we're here for because we know your money is very important and down to the very last penny and it's our job to help support you in making sure that you have the correct accurate information when you are particularly doing I'm sure what can be to some concerning these international transactions.

utterance: Yes, I'd tell you.

utterance: Thank you.

utterance: You're welcome. And by the way Ms. Richards, are you aware at all of our online banking?

utterance: No, I'm not.

utterance: No? OK, if you're not what you simply can do is visit our website. And with the online banking, just enter in your username and password. Takes less than thirty seconds. and from there actually, we offer you the ability to not only check your account balance but you can update your account information such as the email phone number that you mentioned earlier your address. But you also can right there see what the conversion rate is on the currency exchange for instance between the dollar to the euro or the British pound or what have you.

utterance: Well that is good.

utterance: well is there anything else I can assist you with there Ms. Richards?

utterance: Yes, can you just tell me my account balance?

utterance: Yes. As I've pulled up the account on your business preferred account. It appears you have a balance account balance of seventy-seven thousand.

utterance: Great.

utterance: Anything else?

utterance: No, that's it.

utterance: All right well again Ms. Richards we certainly do appreciate you doing business with us and thanks for calling.

utterance: Thank you.

utterance: bye.

utterance: Bye bye.


utterance: Hello, and thank you for calling Intellibank. This is Ronald, how may I help you today?

utterance: Oh Ronald, finally, someone answering the actual phone. I mean that, that hold time was ridiculous. Like, that is just a waste of half of my day. Like, I really don't appreciate that like, whatsoever.

utterance: Oh I'm very sorry to hear about that. Yes, we're a little understaffed here. hopefully I'll be able to help you swiftly, and get you off of this call.

utterance: I really hope so, cuz I, you know I, I'm really thinking about writing a pretty nasty email, and I'm not trying to take it out on you but, you know, I gotta, I gotta voice my opinion. You know, that was just a ridiculous hold time, and yeah, my time is valuable, just as I'm sure you think yours is as well.

utterance: Oh no, I've learned here at Intellibank that my time is not valuable unfortunately.

utterance: All right well, I mean that, that made me feel a little better, so appreciate it. But I just wanted to get his automatic billing set up, so I can move on with my day, and just kind of forget this, this ever happened.

utterance: Well, to start off here, I am gonna need your full, first and last name, as it appears on your account.

utterance: first name's Brody, B R O D Y, and the last name is Klein, K L E I N.

utterance: All right.

utterance: And your date of birth?

utterance: My date of birth is gonna be seven seven.

utterance: Eighty-two.

utterance: All right.

utterance: And I need your account number.

utterance: account number is gonna be one seven, three zero, four four.

utterance: All right. Give me a second here while your account loads. I'm sorry you're gonna have to hold again, but I guarantee you I'll be right back here.

utterance: All right, I'm gonna hold you to that.

utterance: Sorry, still waiting for this.

utterance: OK, I have all of your info here. I'm gonna need to get the info of the person that we're gonna be billing.

utterance: All right, you know that, that, that hold just kinda put me over the edge. You know, I just feel like, I'm gonna put you guys on hold, just so you know how it feels like. So, hold for me, while I go get that information.

utterance: All right.

utterance: All right, I got the information. so I'm sorry, you need the what? The name?

utterance: yes.

utterance: All right, so the name's gonna be Mark, M A R K. And the last name, B E R R Y.

utterance: All right, and I'm gonna need their account number.

utterance: the account number is gonna be seven seven, four eight, two nine.

utterance: All right, and I'm gonna need his nine digit routing number.

utterance: It's gonna be seven two, seven seven, six eight, four one nine.

utterance: All right, and I'm just gonna need an email address to send the billing to.

utterance: so I'm sorry, you want his email address or mine?

utterance: his email address.

utterance: OK. So it's gonna be Mark dot Berry at Gmail dot com.

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

utterance: Nope, that was it, and please try and do better in the future.

utterance: we definitely will. thank you for calling Intellibank, and have a wonderful rest of your day.

utterance: Thank you.

utterance: Goodbye.


utterance: Good morning. Thank you for calling Intellibank. This is Holly speaking and how may I assist you today?

utterance: Good morning Holly. How are you doing today?

utterance: Oh I'm doing very well ma'am. Thank you so much for asking. How about yourself? I hope you're having a great day.

utterance: Yes ma'am. I. It's been a good day. the reason I'm calling you. I need to ask some questions about how I can acquire a business documentation for. I'm I'm wanting to get a line of credit. My business is really doing well and we want to expand and we need some money for construction. Would you be able to help me with that?

utterance: yes ma'am. Absolutely. No just to clarify, were you needing to go ahead and do the application with us today? Or were you just needing to know what the required business documentation is?

utterance: I I need to know what the required business documentation is.

utterance: OK. OK. I understand that.

utterance: I'm just.

utterance: I'm just so excited that we're doing so well and I know that if we add on to our business and make it larger, we're gonna have to have some money. So I'd like to know what line of credit I can get.

utterance: OK. OK. I completely understand ma'am. Now for pretty much all of our business loans and that type of thing, for loans, for our lines of credit, and for our credit cards, we would need the same documentation for the application for three of those. And what you would need to get together. we would need a copy of your business license. We would need copies of two years of your personal tax returns. And then two years of your business tax returns. And then two years worth of your year end financial statements.

utterance: What was the last thing you mentioned?

utterance: that would be two years of your year end financial statements.

utterance: All right. Let me see if I've got this down so I don't overlook anything. You want to know my business license. Correct?

utterance: Yes ma'am.

utterance: And you want to know two years of my tax return?

utterance: Yes ma'am. we would need two years of both your personal tax returns and the two years of your business tax returns as well.

utterance: All right. And the last one. I'm gonna make sure I got it correct so I don't mess up. the year end financial?

utterance: Yes ma'am. two years worth of your year end financial statements.

utterance: All right. Now, how will I get this information to you?

utterance: OK. we actually. There's several different methods that you could use. I mean of course you could always go up to one of our branches and turn it in, if you would like. Either that or if it's easier you could email us the copies of those. You could mail us the copy of those. Or if it would be easier for you, you can always fax those to us.

utterance: All right. Can you give me the fax number please for the Intellibank.

utterance: yeah absolutely the fax number would be, for our loan department, is area code eight three one three two five five six five seven.

utterance: All right and if I was to choose to mail it. Can you give me your address? Your mailing address?

utterance: Yes ma'am. Absolutely. The mailing address would be to Intellibank, care of loan department. And the street address is three four zero zero two Ventura. V as in Victor. E N T U R A. Drive. And that is in Santa Clara, California, nine five zero five four.

utterance: What was the ZIP again please?

utterance: That was nine five zero five four.

utterance: All right. Let me make sure I have this right. Intellibank. Attention to the loan department. Three four zero zero two Ventura Drive, Santa Clara California, nine five zero nine four.

utterance: the ZIP code ma'am was nine five zero five four.

utterance: Oh. I can't read my own writing.

utterance: That's quite all right. I I do the same thing with my own writing ma'am.

utterance: It's five four. OK.

utterance: Yes ma'am.

utterance: Yeah. I must have heard nine and put a five. OK.

utterance: OK. Well was there anything else I could assist you with today?

utterance: No I think. once I get the four items up that you mentioned, that I'll probably just fax it. That'll be easier than trying to mail all that bulk. They'd probably charge a fortune at the post office. The rates keep going up, don't they?

utterance: Yes ma'am. Unfortunately they do. It seems like the rates on everything are going up, especially the past year. It's getting to be ridiculous if you want my honest opinion.

utterance: We

utterance: Used to be able to send out Christmas cards and now we just send out Christmas texts.

utterance: Yes ma'am. That is the absolute truth. It's a shame nowadays. Oh OK. And was there anything else I can help you with today ma'am?

utterance: No, but I'm excited about getting all this up so when my business expands, I'll have a a full line of credit. Thank you for helping me.

utterance: OK. And you're very welcome ma'am. If there's anything else that we can assist you with don't hesitate to call back. OK?

utterance: All right. Thank you Holly. You've been real sweet.

utterance: Well thank you so much. And thank you for calling Intellibank ma'am. I hope you have a wonderful day.


utterance: Thank you for calling Intellibank. My name is Steven, how may I assist you today?

utterance: yes, I called the other day crying about your loan types and I am ready to apply for a Intel bank SBA seven A loan.

utterance: All right, is that a Intellibank SBA seven A loan?

utterance: Yes, that's correct.

utterance: All right, and I do remember that call, I'm glad you went ahead and made a decision and I can certainly go ahead and get this process started for you.

utterance: OK.

utterance: All right, so I'm just gonna need to collect a bit of information from you, so can I first have your first and last name?

utterance: Dan Thomas. T H O M A S.

utterance: Thank you and your personal home address?

utterance: Thirty-six Edgemont Lane Canyon Country California nine one three eight seven.

utterance: Great, thank you for that and then I would need your social security number.

utterance: Three nine five two six eight zero one one.

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

utterance: OK, hang on just one second while I get it.

utterance: Not a problem.

utterance: OK, I've got it.

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

utterance: Oh M five three D V H A I Q nine. California.

utterance: All right, and just to confirm, that is O M five three D V H A I Q nine, is that correct?

utterance: That's correct.

utterance: Fantastic, and you said that was issued in California?

utterance: Yes.

utterance: All right, thank you very much. and then I would need your authenticating pin number.

utterance: One zero six two.

utterance: Thank you, and a good, current email address that we can contact you at?

utterance: Thomas Castens at Gmail dot com.

utterance: Thank you very much. And then what is the name of the business that your applying for this loan under?

utterance: Thomas Casten Cabinets.

utterance: And when was that business established?

utterance: July sixth two thousand seven.

utterance: Thank you, and are you the sole owner of that business?

utterance: Yes I am.

utterance: Great, and I would just need to know the gross annual sales for your business?

utterance: Three hundred and fifty thousand.

utterance: Thank you, and your business tax ID number?

utterance: Four five six eight two four five three one.

utterance: Thank you, and the address of your business?

utterance: Seventy-six Sunbeam Drive, Canyon Country, California nine one three eight seven.

utterance: Great. And then where would you like your mail related to this loan to be delivered to?

utterance: My business address.

utterance: All right, and that was seventy-six Sunbeam Drive in Canyon Country? California?

utterance: That's correct.

utterance: Great, thank you for that. And all right now we'll get into the actual details of your loan. What is the purpose for this loan?

utterance: I need to upgrade some equipment.

utterance: All right, equipment upgrade, and what amount were you looking for today?

utterance: Sixty thousand.

utterance: All right, and then what type of term were you looking to get?

utterance: how long do you offer them for? What's the maximum length time?

utterance: We do offer them up to twenty-four months.

utterance: OK, I'll do twenty-four months.

utterance: All right, fantastic, and what type of down payment do you think you're gonna be able to put on this?

utterance: I can do five percent.

utterance: All right, five percent down payment. and then I will just need the account number and routing number for the funding account for the deposit to be made into.

utterance: OK, this will be from my Business Total checking account.

utterance: OK.

utterance: The account number is two zero nine zero two one eight four two zero.

utterance: All right, that's two zero nine zero two one eight four two zero?

utterance: That's correct.

utterance: All right, and then the routing number?

utterance: Nine one eight eight one nine seven three nine.

utterance: OK, that's nine one eight eight one nine seven three nine, that's correct?

utterance: That's correct.

utterance: All right, well Mr. Thomas I'll go ahead and submit this application for you. If you'll give me just a moment to do that.

utterance: Your day going pretty good so far?

utterance: yes sir. My day's going pretty great. How's your day been?

utterance: It's, It's fantastic.

utterance: Well, that's great to hear. All right, I've gone ahead and submitted that application for you. and you will receive a letter in the mail outlining which documentation we need in order to further process your loan. and if there's any additional information we need, that will be on that letter as well and then you can either mail or fax that information to us or you can go on to your online banking and submit that documentation electronically.

utterance: All right, that sounds great.

utterance: All right sir, was there anything else that I can assist you with?

utterance: I don't think so.

utterance: All right, well then I will let you have a great afternoon.

utterance: All right, thank you.

utterance: Thank you sir. Goodbye.


utterance: Hi. This is Dani Brooks with Intellibanking. How can I help you today?

utterance: Hi Dani. Dani. Dani. Dani. How's it going Dani?

utterance: It's going well. How are you?

utterance: Oh. Couldn't be better. Couldn't be better Dani.

utterance: Glad to hear it. What can I help you with?

utterance: so my name's Cameron.

utterance: Hi Cameron.

utterance: My name is yeah Cameron. I've been banking with you for I think over a year now. I have a personal account. I have a checking and saving account but I also have a business account. So this is more. This call is more so for my business account than anything. but yeah so essentially I'm looking to. Well I have one one loan. It's an active loan right now. It's a secure loan. But I'm looking of getting an SBA loan.

utterance: OK.

utterance: And so before I get another loan out there, I I just want to make sure that my quick liquidity ratio is is at a good place. I for some reason can't. Like you guys sent me a statement in the mail and I can't I can't find it or I've misplaced it. I my my brother's in town who's visiting and he he tried to clean my office to be nice and and he he just misplaced it and don't you hate it when you have people come over and like they touch things and then stuff is out of place and then so so now I can't it so, so here I am talking to you trying to find out about my quick liquidity ratio. My. Is is this the right number?

utterance: Yes, this is the. This is the right number and I'm sorry, that sounds very frustrating. But I am very happy to help you get that information right now.

utterance: This is great.

utterance: Yeah. Yeah. Yeah. So, OK. That's that's the.

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

utterance: Yeah. Absolutely. so, Cameron.

utterance: Mhm.

utterance: And you could for my last name it's it's O'Conner.

utterance: Cameron O'Conner. OK. Great. And I'm going to go ahead and start pulling up your account. Can I get your credit card number please?

utterance: So it's four six eight five one five two four five three six four nine nine one eight.

utterance: OK. And I'm just gonna repeat that back to you. So that's four six eight five one five two four five three six four nine nine one eight?

utterance: Mhm.

utterance: OK. Great. And before we proceed I just need to check on a a few information things for the security of your account.

utterance: OK. Whatever you need to know.

utterance: OK. Let's start with your birth date please.

utterance: My birthday is three sixteen eighty-three.

utterance: Three sixteen nineteen eighty-three. OK and what is your PIN number?

utterance: PIN number is one one three one.

utterance: One one three one. OK. Great. And now I'm just gonna go ahead and ask you a few security questions that you input when you set up your account.

utterance: OK.

utterance: OK. What is your favorite movie?

utterance: My favorite movie is The Godfather.

utterance: OK. Great. And what street did you grow up on?

utterance: I grew up on Mable. Mable Avenue.

utterance: Mable. OK. Perfect. So I am currently pulling up your account. It'll just take one moment.

utterance: OK. I am in your account. And you said today you wanted to check on your quick liquidity ratio?

utterance: Yeah. Please.

utterance: OK. Let me get that going. Just one moment. OK. So it's looking like your ratio is point four three.

utterance: OK. OK. Great. That's That's. Think that's good enough to get to get a loan?

utterance: I think so. But what I would recommend is that you use our online portal to calculate that. So you can put in things like your net income, your liquidity ratio, things like that, and it will give you a good idea of what type of loan you would be approved for.

utterance: OK. Oh and and I could do that on my own right? On on the website?

utterance: Yes. You can go ahead and do that. it's under the calculation tab.

utterance: OK. Oh wait. I actually see. OK. I see it. I see it. Perfect. So I just calculate it, fill it out, I'll submit it and then I I I can hear back from.

utterance: Yes. So, once you calculate it, you will then have to go and submit a formal application once you decide that you wanna do that and we will email you, letting you know that we got it and then after that we will give you a call in one to two business days to let you know of you're standing.

utterance: Oh, that sounds perfect. Let's go ahead and do that.

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

utterance: No. No, you've been. You've been so helpful.

utterance: Oh, I'm so happy to hear that. OK. Well, you have a good day and give us a call back if you ever need anything.

utterance: Absolutely. Will do. Thank you.

utterance: Thank you.


utterance: Thank you for calling Intellibank, this is Eileen. How can I help you? Oh happy Tuesday to you. I'm doing well.

utterance: Hey, Eileen. Happy Tuesday. How are you?

utterance: Good.

utterance: So I'm just calling because I wanted to apply a loan. I was gonna say file an information but I don't need any information. I just want to go jump right to it. And I wanted to apply for a secure loan.

utterance: OK. Perfect.

utterance: So obviously, you're already a customer of ours.

utterance: Yes. I am. Mhm.

utterance: I'm assuming.

utterance: OK. All right well, I'm gonna ask you a bunch of questions. We're gonna get your application going.

utterance: So you have a little time for that? It's gonna take a few minutes.

utterance: Yeah, yeah. I got all the time and I'll help you out here. my name is Peter.

utterance: OK great. You anticipated what I was gonna ask. And your last name?

utterance: Thomas.

utterance: Thomas. OK. Here's Thomas. Is that. T O T H O M.

utterance: T H.

utterance: O M A S.

utterance: OK.

utterance: Perfect. And what is your personal street address?

utterance: It is, two two two.

utterance: Mhm.

utterance: Glendale road.

utterance: OK. And the the city?

utterance: It's Nashville. Tennessee.

utterance: OK.

utterance: And and the ZIP code please. OK. And your.

utterance: Three seven two two one.

utterance: Actually before that, actually I need your social please.

utterance: Oh all right. So that's gonna be all the numbers part. Right?

utterance: Should I, should I get some figure some of this numbers out, and possible play the lottery.

utterance: Yes.

utterance: . How about that? All right, so the. My social security number is.

utterance: Mhm.

utterance: three oh two.

utterance: OK.

utterance: One eight.

utterance: Mhm.

utterance: Two one seven five.

utterance: Did you happen to have your driver's license number on you?

utterance: No but hang on a second.

utterance: OK, no problem. take your time.

utterance: Lemme lemme get that for you.

utterance: OK. Driver's license number is, three two.

utterance: OK. Ready.

utterance: Mhm.

utterance: Oh eight eight two nine six.

utterance: OK, perfect. And what is your p~

utterance: And that.

utterance: Is Tennessee.

utterance: Oh.

utterance: Wow. Are you psychic? Because you're answering all my questions before I ask them.

utterance: Are you guys hiring?

utterance: Where is your PIN number?

utterance: The PIN number is one one seven five.

utterance: OK. And your email address?

utterance: It is Peter.

utterance: Mhm.

utterance: home improvements at Gmail dot com.

utterance: OK.

utterance: And is that a capital P?

utterance: Yes it is.

utterance: OK. And Mr. Thomas are you the sole owner?

utterance: I am.

utterance: OK. Perfect.

utterance: And what was the date that your business was established?

utterance: It was February first twenty twelve.

utterance: OK. And what's the business name? OK.

utterance: It's Peter's Home Improvements.

utterance: And what are your gross annual sales? OK.

utterance: One hundred and twenty thousand a year.

utterance: And I will need your tax ID number.

utterance: OK. Hang on let me get that one for you.

utterance: Sure, take your time.

utterance: OK.

utterance: OK.

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

utterance: Mhm.

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

utterance: The business street address is twenty-two hundred. South sixty-third street.

utterance: Mhm.

utterance: OK. It, is that Nashville also or?

utterance: It is, yes.

utterance: OK. Nashville, Tennessee. And the ZIP?

utterance: And the ZIP.

utterance: Code is three seven oh one tree.

utterance: OK. And which address would you want your mail sent to?

utterance: the business address is fine.

utterance: OK.

utterance: And what are you gonna be putting up for collateral? OK. Home.

utterance: OK, Mr. Thomas. And what amount are you looking for, for the loan? OK.

utterance: forty thousand dollars.

utterance: And how long do you think you'll need to pay that back?

utterance: seven years.

utterance: OK. Seven years.

utterance: OK. So I'm gonna need you to send over a copy of the business license, your EIN number. a copy of your deed, your house.

utterance: OK.

utterance: OK.

utterance: And get that back to us right away. I'm gonna send you a link right now to your email. Just click on that link and you'll be able to upload everything from there to us.

utterance: I already started your file, I already started your application. So everything will just go straight to that.

utterance: OK.

utterance: So as soon as you get that back to us. We can get started in processing it, it usually takes about forty-eight to seventy-two hours.

utterance: And for us to have a decision and to get back to you. And then we love we love for you to come in if you can possibly. then meet with one of our representatives if possible. Just as like a welcome and I.

utterance: Mhm.

utterance: You know encouragement and to meet you. And but you don't have to do that but we just we just like to, all right. We give you like a free gift and all that nice stuff.

utterance: I I I'm.

utterance: I'm always down for free gifts.

utterance: All right, awesome. So, you know look out for us to email you back. what is your phone number?

utterance: Sometimes I like to call as well. .

utterance: Phone number is six one five.

utterance: OK.

utterance: three five two.

utterance: Mhm.

utterance: Two one one three.

utterance: OK, perfect. OK, Mr. Thomas. Is there anything else I can help you with today? All right well, we'll be talking to you soon. Have a great day! Bye bye.

utterance: That's it.

utterance: Thanks, you too.


utterance: Good afternoon. My name is Alice and I will be assisting you today. How may I help you?

utterance: Hi. How's it going? Well, I've got calling you for a couple of things. First off, I'd like to change my phone number on my account and is also looking to apply for a loan too. It's called a S T A seven A.

utterance: OK. The SBA seven A loan.

utterance: SBA.

utterance: Seven one A loan.

utterance: You've got it.

utterance: I can take care of both of those things for you day.

utterance: OK.

utterance: let me start by getting your name. Your full name, please.

utterance: Sure thing. it's Jackson J A C K S O N.

utterance: OK.

utterance: Then Ruff. R U F F.

utterance: OK.

utterance: As in don't mess around with Jackson?

utterance: No nada.

utterance: Not that, but

utterance: I'm sure you hear that all the time.

utterance: Oh

utterance: I've had so many jokes about my name. It's nuts.

utterance: Jackson Ruff, are you ready to ruff them up?

utterance: Oh my.

utterance: But.

utterance: People will ask me if I'm good in a fight. I tell them absolutely not. No.

utterance: Well, glad to hear that. OK. So just to p~

utterance: Just to pull up your information. May I please have your four digit PIN number?

utterance: Yeah, it's three two nine three.

utterance: OK and your date of birth, please?

utterance: What? August thirtieth nineteen ninety-six.

utterance: OK.

utterance: Thank you.

utterance: All right. I have pulled up your information here.

utterance: let's see. Sorry I little loud in the the next room. I hope you can hear us.

utterance: Uh-huh.

utterance: No, I hear you fine. .

utterance: OK good.

utterance: All right so do you update the phone number? I see here you have three different accounts with us. Would you like me to change the phone number in all accounts?

utterance: Yup.

utterance: Yeah. That should be fine.

utterance: OK, and will we we be deleting the old number or using it as a secondary number?

utterance: No, just delete it.

utterance: OK, great. So I'm removing eight one eight nine nine nine two seven one four.

utterance: Mhm.

utterance: OK. One moment while I take that out of your checking your savings, and your investment wealth account.

utterance: OK. Great and what is the new number you'd like to use?

utterance: Three one zero.

utterance: Mhm.

utterance: Five four five nine seven two.

utterance: I feel like I'm missing a digit. Three one zero five four five nine seven two.

utterance: Nine seven three two. I'm sorry.

utterance: Three two.

utterance: OK, I may have misunderstood you. There we go.

utterance: Thank you.

utterance: OK, great. bear with me one moment.

utterance: All right. Updated the checking.

utterance: Fantastic.

utterance: Updated the savings.

utterance: All right. Your wealth management account is now updated.

utterance: Thank you.

utterance: All right and then regarding the SBA seven A loan. Would you like to do the application right now? We can.

utterance: Yeah, let's.

utterance: Get it done.

utterance: OK great.

utterance: Lemme just pull up that screen.

utterance: All right and will we be doing the loan under your name, Jason, excuse me, Jackson Ruff?

utterance: Jackson Ruff. That's right.

utterance: Great and what is your business address, please?

utterance: So I had a business address. It got moved. I'm not sure if it really matters which one's on the I'd like to the newer one, right?

utterance: Well for the Well, for the loan, you'll want to use the address where your business is indicated

utterance: It's not gonna matter.

utterance: OK.

utterance: K. Even if you previously had my other account on your.

utterance: You would wanna. Yes because this is now a new loan. So yeah that those business business addresses can differ.

utterance: Yes. OK.

utterance: OK. Great so this address is eight. Sorry, I don't why I said that. It's twelve hundred Marquish Boulevard.

utterance: OK. Is there a unit number?

utterance: No no unit number. That's in New Orleans. And area code should be eight two three four five five.

utterance: would either be a five-digit or a nine-digit number.

utterance: Sorry.

utterance: It's eight two five five four.

utterance: Great. The. The remaining four digits update automatically when I put it in.

utterance: Fantastic.

utterance: OK very good. All right. So now I will need your social security number.

utterance: social security number is three two three five zero eight four three five.

utterance: Great and then Jackson, I will need your driver's license number and the state it was issued.

utterance: Two things. It's Y six three one three two five. in Louisiana.

utterance: Great. And the email address you'd like associated for this loan.

utterance: All right. Super Ruff S U P E R R U F F at Gmail dot com.

utterance: And are you the sole business owner?

utterance: Yes, I am.

utterance: Great.

utterance: Gross annual sales for last year.

utterance: That was three hundred and fifty-two thousand.

utterance: OK. That just a rough number is good.

utterance: Yeah.

utterance: And the year the business was established?

utterance: That was established in twenty sorry. Twenty twenty.

utterance: OK. And your tax ID number. It should be a nine-digit number.

utterance: Yeah.

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

utterance: Great and your mailing address is the same as the business address?

utterance: Correct.

utterance: Great and what is the purpose of the loan?

utterance: Purpose of the loan. Well I was thinking about adding a patio to it.

utterance: OK. So a remodel. OK.

utterance: Remodel.

utterance: and what is the amount that you'd like for a loan?

utterance: Well, I'd like to go for a hundred thousand.

utterance: Hundred thousand. OK very good. We're almost done here.

utterance: if you were approved, you will be required to put a down payment down immediately. Anywhere between five to twenty percent.

utterance: Let me go with the ten percent, please.

utterance: OK. Great.

utterance: All right and lastly, I see that you have your bank account with us, your business checking. If you are approved, would you like that routed to that account?

utterance: Yes, please.

utterance: Great. I'm inputting the routing number now. Your application is complete on our end. I just sent you an email address to confirm that.

utterance: Please note there will be separate link you will need to upload two documents. Your tax ID number and your driver's license. Once you do that, your application is complete.

utterance: That was great. Thank you.

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

utterance: I think.

utterance: We're good.

utterance: All right. Thank you and have a great day.


utterance: What can I do for you today?

utterance: Oh, I was just calling to update some of my banking information.

utterance: OK. Well, let's pull up your account, so I can make those changes. may I have your credit card number please?

utterance: OK.

utterance: Sure which, did I call Intellibank?

utterance: Intellibank.

utterance: OK, just wanted to make sure. Wasn't starting the day off a little rough.

utterance: No, no everything's great. Intellibank.

utterance: Thank you. OK, and what did you ask for?

utterance: Oh, I'm sorry the your credit card number.

utterance: Oh, it's four two two eight seven one one four six eight.

utterance: OK, very good. before we proceed I need to verify some information. For the security of your account.

utterance: Mhm.

utterance: What is your full name?

utterance: My full name is Sylvia Martel. M A R T E L.

utterance: OK, thank you Sylvia. And your date of birth please.

utterance: Oh, it is six twenty-four eighty-one.

utterance: very nice. And for your security question. What is the name of your first pet?

utterance: Poppy.

utterance: Poppy?

utterance: Yeah.

utterance: That was a dog?

utterance: Yes.

utterance: Aww, what kinda dog?

utterance: A little Wiener dog.

utterance: Aww, how cute.

utterance: Yeah.

utterance: Well thank you, Sylvia, for verifying your information. and how can I help you today?

utterance: You're welcome.

utterance: I need to update some account information. change my phone number mainly.

utterance: OK.

utterance: Ya.

utterance: what is your new phone number going to be?

utterance: it's going to be six two six two four one one eight four seven.

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

utterance: not sure, but actually I gave you the wrong information.

utterance: Oh.

utterance: OK. No problem. You wanna go ahead and give me the the right phone number?

utterance: Yeah.

utterance: Sure, can you tell me the number I just gave you?

utterance: no I can not.

utterance: OK. Great, just wanted to make sure. It's six two six two four one one three seven eight. Is the number that I need to change it to.

utterance: In, that's the new number?

utterance: Yes, that's the new number.

utterance: OK.

utterance: OK.

utterance: great.

utterance: Did it, you got it?

utterance: I sure do.

utterance: OK, great.

utterance: And let's see. is there anything I else I can help you with?

utterance: I'm not sure.

utterance: OK. Are you with our Intellibank platinum cards?

utterance: Oh, I don't know. Do you think I qualify for that?

utterance: Well, let me look it up. Look at that. I mean, you actually do qualify, you qualify for the platinum, which is the, the highest.

utterance: Oh, wow.

utterance: Yeah, so go ahead and get you started, maybe with that paperwork?

utterance: Oh yeah, that would be great. Do you think? You know, I don't know how much time I have this morning so could you send me an email?

utterance: Absolutely. Is your email? Let's see. You wanna verify your email address?

utterance: Yeah.

utterance: Oh, what do you have on file?

utterance: I have Sylvia ha ha ha at Hotmail dot com.

utterance: Yes, I do still use Hotmail.

utterance: OK.

utterance: Yeah.

utterance: Yeah one of the last, one of the last few.

utterance: You got it.

utterance: Yeah.

utterance: great. Well I can send you all the information about the Intellibank business platinum card in there. And if you're interested we also have the Intellibank smart savings, or the wealth management plans.

utterance: Oh, magnificent.

utterance: OK.

utterance: Wow, wealth management sounds like it could be helpful.

utterance: Very helpful, especially if you have some wealth.

utterance: Well that I do. As a small business owner I'm pretty wealthy, I'm doing great.

utterance: Oh, that's great to hear. What kind of business?

utterance: Oh, yeah it's Poppy's Ha Ha Ha's is the name of my business and I just make little cupcakes that have ingredients that tickle your belly enough to make you laugh. there's like probiotics, prebiotics in the cupcakes.

utterance: Oh that sounds fantastic.

utterance: Oh sure yeah. What kind of flavors?

utterance: Yeah.

utterance: Every flavor. Any flavor your heart desires.

utterance: Pistachio?

utterance: Sure, yes.

utterance: Mm.

utterance: Mhm.

utterance: Well Sylvia, that all sounds good. That sounds like a fantastic business. and I I do think that maybe the our wealth management will be you know? Good for you, so we'll go ahead and email that as well. And Let me see if there's anything else I can help you with today?

utterance: Thank you.

utterance: You know, one of my, my personal bank, they have an app with their online banking available, does Intellibank, what is it Intellbank?

utterance: Intellibank.

utterance: Oh yeah, do you have that app?

utterance: Yep, we sure do. Yeah it's available at the Apple, iTunes store.

utterance: Yeah.

utterance: Perfect. Good to know. I'm really into online banking lately.

utterance: Yeah, it's better right?

utterance: Yeah. What did you say your name was?

utterance: Stephen.

utterance: Stephen OK, Stephen. Thank you so much.

utterance: Sylvia, you have a great day.

utterance: Yeah.

utterance: And thanks for calling Intellibank.

utterance: Thank you.

utterance: Goodbye, Stephen.

utterance: Goodbye.


utterance: Thank you for calling Intellibank. My name is Louisa, how may I assist you tonight?

utterance: Louisa I had and and application that I was submitting for your cooperate card online.

utterance: Mhm.

utterance: And the website shot down right in the middle of the app application.

utterance: Oh I'm so sorry to hear that. Would you like me to do that for you over the phone?

utterance: If we can do that, that'd be great, because I need this done as soon as possible.

utterance: You got it, it take may be five minute, if that's all right?

utterance: Five is good.

utterance: Ok great. May I get your first and last name please?

utterance: My name is Dan Franks.

utterance: Ok great and you have business with us also besides this card you're Appling for?

utterance: I do yes.

utterance: Great. May I get your four digit pin number so I can pull up your information.

utterance: Six two nine three.

utterance: Six two nine three. Ok great just one moment while I pull up your information

utterance: Ok, thank you. Yes, I see you're a long term costumer. Thank you so much for your business Mr. Frank.

utterance: Yes. It didn't make any sense why I couldn't get that application to go through.

utterance: Yes, some times technology is really frustrating.

utterance: Yeah.

utterance: the cooperate card you were applying for, were you applying for our business gold or our business silver card?

utterance: It was gold.

utterance: Ok great. Let me just pull up that form and it will be under your name, Dan Franks?

utterance: Correct.

utterance: Will be use Dan or Daniel?

utterance: Dan.

utterance: Ok. And what is the address for your business?

utterance: Five seven eight five Oil drive O R I O L E,

utterance: Ok.

utterance: Los Angelus California nine zero zero zero eight.

utterance: Ok great and what is your social security number.

utterance: Two one three.

utterance: Mhm.

utterance: Eight nine seven, four two nine five.

utterance: Ok, great. and your drivers license number please.

utterance: It's California drivers license nine four six eight four two five seven eight nine.

utterance: Ok terrific and what email address would you like associated with this credit card?

utterance: It'll be Dan dot Franks at Gmail dot come.

utterance: Ok are you the sole owner of the business?

utterance: I am, yes.

utterance: Ok what year did you establish your business.

utterance: I was established twenty sixteen. Twenty sixteen.

utterance: Ok and what were your gross annual sales for last year?

utterance: Last year was a hundred and ten thousand.

utterance: Ok and then your tax ID number please?

utterance: five eight zero six nine eight three one one nine.

utterance: Three one one nine?

utterance: Correct.

utterance: Ok, Very good. And is your mailing address going to be the same as your business address?

utterance: Yes.

utterance: OK, and you said this is for the gold card?

utterance: Correct.

utterance: OK. One moment please, while I'm processing this.

utterance: I read something about real estate loans that you guys have also.

utterance: Yes we do, we have we do have real estate loans sorry, just one moment. OK great, normally it takes between seven to ten business days, but you actually have been approved on the spot.

utterance: OK.

utterance: So congratulations. I will be sending you an email that will have confirmation number. It will also show you your credit limit, because that's secure information. I don't have access to that.

utterance: OK.

utterance: And that's all there is to that. So congratulations.

utterance: Thank you.

utterance: Mr. Franks, regarding real estate loan, did you have any questions or is there something I can help you with that? For real estate loans?

utterance: Yeah.

utterance: Well.

utterance: I was intrigued about them, because there, there are some, some real estate properties that as a business we're looking to acquire. So I was wondering is is.

utterance: OK.

utterance: I can. I can.

utterance: Is that.

utterance: Process as simple? As this credit card process was?

utterance: Pretty much. I'll have a few different questions. but again five minute or less.

utterance: Ok.

utterance: Ok. Let me go ahead and I'm keeping the screen open, with your credit card application, so I can actually copy and past some of that information that'll save you some time.

utterance: Mm.

utterance: Mr. Franks, do you wanna have the same name for the real estate loan?

utterance: Yes.

utterance: All right.

utterance: Yes is.

utterance: Will we, will we be?

utterance: My company.

utterance: My name. Yes. Yeah.

utterance: OK.

utterance: Will we, will you be using the same business address?

utterance: Yes.

utterance: Ok. I will ask, have to ask you again for your social security number.

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

utterance: I'm ready.

utterance: Two one three four nine five.

utterance: Mhm.

utterance: Mhm.

utterance: Six zero seven six.

utterance: Ok very good. Drivers license number, I do not need, I can copy and paste it I'm copying and pasting the email address, same, same address, email address?

utterance: Yes.

utterance: Ok same business name, same owner, same established date?

utterance: Same same same.

utterance: Ok, great we're using the same gross sales?

utterance: Yep.

utterance: Tax ID number, I got

utterance: I love copy and paste

utterance: It makes things simpler, doesn't it?

utterance: It does. All right now, I just need to ask you the purpose of the real estate loan.

utterance: This is, like I said, we are, we are looking to acquire a few more properties as a company.

utterance: Ok.

utterance: And

utterance: So property expansion? OK. Just checking that box. All right and the cost of property or properties that you are looking to purchase?

utterance: property expansion, yes.

utterance: Three so say about four hundred thousand.

utterance: Four hundred thousand, would that be per property or total combined?

utterance: That's all together.

utterance: OK great, let me put that down. All right, and if you are approved for this loan what percentage would you like to put down for a down payment?

utterance: Let's do fifteen percent.

utterance: Fifteen percent, OK very good. All right I am just finalizing this application, now a real estate loan does need to go on for further processing, you should hear back within seven to ten business days.

utterance: OK.

utterance: I just sent you an email that has a confirmation of the loan and it also will ask you for a copy of your drivers license and your tax ID number that you can upload into the system.

utterance: Ok.

utterance: And that's all you need to do for that.

utterance: It sounds good.

utterance: Great. Is there any thing else I can do for you this evening Mr. Franks?

utterance: No, you've been of great help.

utterance: Thank you for being a valued Intellibank costumer and have a great night.

utterance: Thank you.