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

utterance: Hey Gia. How are you today?

utterance: I am doing very well today. How about you?

utterance: You know what I I'm doing good and I think I'm gonna do even better after this call because I think I might end up doing good for me and my business and I'm gonna do good for you and Intelligent Bank's business as well.

utterance: Oh my goodness! That is so funny. I'm so sorry. I don't wanna come off as sarcastic but you are like the fifth customer today that said Intelligent Bank. It's Intellibank and I just get a kick out of it because we are very intelligent at Intellibank but everyone gets that wrong. They say Intelligent Bank.

utterance: But but it flows. Intelligent just flows.

utterance: Yeah.

utterance: Why stop at Intel? Intella you know. .

utterance: Keep going.

utterance: No, I get it.

utterance: Yeah. Like.

utterance: People have. You know you have your Nilla Wafers but in reality it's vanilla. It's the whole thing so it's intella it's intelligent.

utterance: So let. Let it flow. Let it flow.

utterance: I love the.

utterance: Yeah the the Nilla Wafer and intelligent. Yeah, I like that comparison. All right well how can I help you today?

utterance: All right so I'm I'm thinking I'm gonna save you guys some stamps.

utterance: OK.

utterance: Because in in in Intella bank continues to constantly send me notices in the mail about different forms of business credit cards for my business to you know to to partake in.

utterance: Mhm.

utterance: And as much as I've been on the fence I'm now oh I think I'm leaning towards the other side of the fence and I'm ready to jump over and I I'm thinking that it's time because I have a lot of people now in charge and things are going really well and and I need a card that you know for for my corporation and and to really designated people can use as well beside myself.

utterance: Right OK well we have three really awesome Intellibank business cards. For our small business owners. They are fantastic. so if you want let me start your application cuz you definitely want a credit card right?

utterance: OK.

utterance: Yes.

utterance: OK so let's start your application and then at the end I'll let you know the different types. We have three different types and then you can choose it then at the end of the application.

utterance: OK.

utterance: Do you have a few moments?

utterance: I do.

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

utterance: my name is Ian.

utterance: OK.

utterance: McKee. It's M C.

utterance: K.

utterance: E E.

utterance: OK Mr. McKee and what is your personal address?

utterance: my address is five nineteen.

utterance: Mhm.

utterance: Willowbrook Drive.

utterance: OK.

utterance: And that's Philadelphia Pennsylvania.

utterance: Mhm.

utterance: One nine one five one.

utterance: OK and your social?

utterance: The social is one seven nine one one two zero seven six.

utterance: OK and Mr. McKee do you happen to have your driver's license number on you?

utterance: I do hang on one second. It's in my wallet.

utterance: OK, no problem. I'm here. Take your time.

utterance: OK the license number is three one oh seven six two five one. And that's for Pennsylvania.

utterance: Oh great. Thank you. I was just about to ask you the state. And what was your PIN number?

utterance: my PIN number is one five eight zero.

utterance: All right and your email address?

utterance: the email address is Ian McKee.

utterance: Mhm.

utterance: Nineteen eighty at Gmail dot com.

utterance: And what is your. What is the name of your business?

utterance: It's McKee Finances.

utterance: All right and are you the sole owner?

utterance: I am.

utterance: All right and what date did you establish your business?

utterance: It was June first twenty ten.

utterance: OK and your gross annual sales?

utterance: three hundred and seventy-five thousand.

utterance: OK and Mr. McKee, do you have your tax ID number on you?

utterance: I do. hang on one sec just let me get that in my pile of paperwork here.

utterance: OK great.

utterance: OK.

utterance: OK it's zero nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: OK. And what is your business address?

utterance: The business address is seven five zero zero.

utterance: Mhm.

utterance: Barkley Drive.

utterance: Mhm.

utterance: And that's Philadelphia.

utterance: Mhm.

utterance: PA.

utterance: OK.

utterance: One nine one eight zero.

utterance: All right and do you want your mail to go to your business address or your home address?

utterance: Business please.

utterance: All right. OK so these are the the credit card types. I would. My favorite and I would recommend are the the biggest one that we have that a lot of the small businesses use it's our Intellibank Business Platinum Card.

utterance: OK.

utterance: and you get two percent cash back on all purchases. No matter what you use the card for an there's a hundred dollar annual fee which is pretty good for that type of a card. and then we have the.

utterance: And that's the biggest card you said?

utterance: That's like our most popular one.

utterance: OK.

utterance: That larger you know small businesses but a little bit larger. A little bit more employees.

utterance: OK.

utterance: because of the two percent cash back on anything you buy.

utterance: OK.

utterance: But the gold is really good. The Intellibank Gold Business Card it's two percent cash back on gas and groceries and there's no annual fee.

utterance: Oh.

utterance: Oh well oh that's like a no brainer.

utterance: Yeah and then we have the Silver Business Card which is pretty good, but there's no cash back and the yeah. OK the cash back yeah.

utterance: Oh I I.

utterance: Yeah. Yeah.

utterance: Yeah exactly. I I want that cash back.

utterance: All right.

utterance: So you wanna go with the gold?

utterance: Let's go gold.

utterance: OK great. So gonna put you down for the gold. So what's gonna happen now is I filled out your application. You're gonna get an email.

utterance: Mhm.

utterance: and it'll tell you. It'll there'll be a portal where you can upload your supporting business documentation that we'll need.

utterance: OK.

utterance: When you get the email it'll tell you what we need from you like your business license specific things like that.

utterance: OK.

utterance: Upload that to us. As soon as you do that.

utterance: Mhm.

utterance: Then we can get the process started and you'll have an answer within twenty-four hours once you upload everything to us.

utterance: OK.

utterance: OK.

utterance: All right.

utterance: Sign me up. I'm ready.

utterance: All right Mr. McKee, is there anything else I can help you with right now?

utterance: No that seems to be everything.

utterance: All right, well thank you so much for choosing Intellibank and we will talk to you soon.

utterance: Sounds good. Have a great day.

utterance: You too. Bye bye.


speaker_role: Agent

utterance: Good afternoon. This is Allen speaking. Intellibank. How may I help you?

speaker_role: Customer

utterance: Yeah. I have a loan with you guys. And the main reason I'm calling is because I wanted to check on the balance. I I know what it says on the system online but I've been making payments this whole time and it just doesn't compute to me. So I thought I'd give you guys a call. See what you've got on your end.

utterance: OK. We can certainly help you with that. And again, before I go further, thank you so much for banking with us. And opening an account with us.

utterance: Yep.

utterance: So before we proceed, what is your first and last name and your date of birth as well?

utterance: It's Tom Jennings. And you need the full date or just my day and month? Do I need to give you the year?

utterance: We do need the full date and year just for verification purposes, sir.

utterance: It's two eight eighty-seven.

utterance: OK. Thank you so much, sir. And what is the PIN number for your account?

utterance: Boy. I almost never use this. You can't just do it with my name and my birthdate?

utterance: I'm sorry sir. Just because of our security precautions recently instated at our bank, we do need these every single piece of information before we can access your account.

utterance: You can't do like a mother's maiden name or a social? It's gonna have to be this PIN? It has to be these four numbers? It's not like I just carry this thing around all the time. You gave it to me when I got the loan and I haven't used this thing since.

utterance: I understand, sir, but unfortunately the PIN is the next item that we would need for access this account.

utterance: OK. Look. I'm gonna need you to hold. I'm gonna have to go through the paperwork. And find this thing. Cuz like I said, this is not something that I just have. Like, hanging around. I don't know how long this is gonna be. Just, hold on. OK?

utterance: OK, thank you.

utterance: Look, I'm trying to find this thing. I got my social memorized. You sure you can't pull it up with that?

utterance: Unfortunately, sir, we do, like, our current policy does require that we.

utterance: I'll keep looking. OK. Hold on.

utterance: Is it the four digits on the top of the paperwork?

utterance: That would be it, sir.

utterance: It's four two seven two. Is that it? Are you happy now?

utterance: OK. That would be the correct PIN sir. Thank you so much for sharing. And we are now at your account and just one last thing. We do need the you to confirm the loan account number before we can show you the balance.

utterance: I've given you so much information. It's clear you have the loan number right there.

utterance: Or you wouldn't know that it matches the PIN and the date of birth and everything else. But now I've got to give you the loan number too.

utterance: That is correct sir. Unfortunately we must abide by these regulations.

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

utterance: Thank you very much sir. And we do we are showing your SBA five A loan with us. And it is showing a balance of eight thousand six hundred and fifteen dollars and fifty-one cents.

utterance: Can you give me that balance one more time?

utterance: Yes. One second. Eight thousand six hundred and fifty-one dollars and sixty-one cents.

utterance: All right. That's all I needed. All those hoops to jump through just for you to tell me that one number.

utterance: We apologize for the inconvenience sir. How may I help you. Is there anything else that I can help you again?

utterance: That's it. That's all I needed. I needed to find all that information just so you could tell me that number. So. Seems like a lot.

utterance: Hope you have a nice day sir.

utterance: Thank you.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Eric. Who do I have the pleasure of speaking with today?

utterance: Hi Eric. I'm Gene Roberts.

utterance: Hi Gene.

utterance: I've been with you guys for a while.

utterance: All right thank you for that Gene how are you doing today?

utterance: I'm doing well thank you.

utterance: And can I have your last name could you spell that for me? Your first name as well is it with a G G?

utterance: yeah.

utterance: It sure is yes. And Roberts R O B E R T S.

utterance: Got it.

utterance: And can I have your social and the PIN on your account?

utterance: Social is two eight five five five three five five and the PIN is three three five three.

utterance: Three three five three got it.

utterance: Thank you for that. Just pulling up your account here. All right and what's the purpose of your call today?

utterance: Well I was thinking about getting a loan.

utterance: Excellent thinking about getting a loan sounds good. were you thinking about a term loan, an auto loan, a secured loan?

utterance: What were all of my options?

utterance: Well you those are all available to you but I think your looking at your account I think you'd be more suited for a secure loan.

utterance: OK what are the details there?

utterance: There's a fixed interest rate of twelve point eight per cent and you have up to seventy-two months to pay it off. of course you could pay it off as soon as you like and the sooner you pay it off the less interest you'll end up accruing and you would just need to put something down as collateral in case of default on the loan.

utterance: OK. I'm looking to get a five thousand dollar loan.

utterance: OK.

utterance: Could I use my car as collateral?

utterance: what is the estimated value of your car?

utterance: I two thousand thirteen Toyota Prius and I believe the Kelley blue book still goes for about eight grand.

utterance: Well yes then I think that would acceptable.

utterance: OK.

utterance: All right well with that said let's get this application started so we can get you on your way. All right can I get your social again please?

utterance: Yeah two eight five five three five five.

utterance: All right and your drivers licence number?

utterance: It's Californian issued at F five six four two.

utterance: Thank you. And a good email.

utterance: The Bob's Burgers fan at Hotmail dot com.

utterance: Got it and could I have the name of your business?

utterance: Party Supplies Are Us.

utterance: And you the sole owner?

utterance: I am yes.

utterance: Perfect. What date was that established?

utterance: two thousand and three.

utterance: OK and your gross annual sales?

utterance: about a hundred thousand.

utterance: A hundred thousand got it. And would you happen to have your tax ID number with you?

utterance: F five two six seven five.

utterance: Got it and where is this business located?

utterance: California.

utterance: California and we're gonna need a street address.

utterance: six three zero zero Wiltshire Boulevard.

utterance: Six three zero zero Welsh Road. And what city is that?

utterance: Los Angeles. Nine zero zero three six.

utterance: Nine zero zero three six perfect.

utterance: All right is that a good address to send mail?

utterance: Yes.

utterance: Perfect. All right and the purpose of your loan today?

utterance: I'm looking to get a new storage space so just need about five thousand to set that up.

utterance: Got it.

utterance: Expanding business, five thousand. And using car as collateral. What year did you say the year of your car was again?

utterance: Twenty thirteen.

utterance: Twenty thirteen thank you. And you said you wanted to go ahead and take all seventy-two months?

utterance: Please yes.

utterance: Alright sounds good. One second while this processes thank you for your patience.

utterance: I do apologize my system is just going a little slower than normal.

utterance: That's OK.

utterance: Bear with me here. Still there Gene?

utterance: OK yeah I do apologize for this wait. Alright fantastic it looks like your loans approved.

utterance: Oh great thank you so much you're very helpful.

utterance: Of course anything I can do.

utterance: Uh huh.

utterance: I'm gonna send you an email that's gonna detail everything we discussed today.

utterance: OK.

utterance: It will have a confirmation number and if you need anything you can either reply to that email or you can give us another call back.

utterance: OK sounds good.

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

utterance: No that'll be it thanks so much.

utterance: All right well thank you and you enjoy your day.

utterance: Thank you.


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

utterance: Hi. Yes. I was hoping that you could help me. I need to schedule a payment on my gold card credit card.

utterance: Absolutely ma'am. I can help you with that.

utterance: I just need to get some information first, OK?

utterance: Sure. No problem.

utterance: May I please have your first name please?

utterance: Sure. It's Alexandria Lopez. Date of birth is six six eighty-two.

utterance: That was Alexandria Lopez L O P E Z?

utterance: Yes, ma'am.

utterance: And I'm sorry. What was that date of birth again?

utterance: Six six eighty-two.

utterance: Six six eight two. Got it.

utterance: All right. And may I please have your account number?

utterance: sure. Out of curiosity, did you need my address or can we actually change that because I believe you guys have my old address which is twenty-seven hundred northwest forty-fourth street. And I now live at fifteen oh one northeast forty-fourth court.

utterance: No problem. As soon as I get the account number from you I can look that up in my system, OK?

utterance: OK. Sure. Thank you. Give me one second. I just got to go get that information for you.

utterance: Sure no problem.

utterance: OK. I'm sorry about the wait. I'm back. So you said you need the bank account number.

utterance: Yes, ma'am.

utterance: That's the one that I'm supposed to give you that I'm using the money to pay the credit card, correct?

utterance: Well to log oh yeah. That's fine. I need that too. I guess we can just use the credit card number to log in. No problem.

utterance: The credit card number. OK. I got that for you. Give me one.

utterance: No problem.

utterance: All right. six eight six two three six one nine four six two eight seven one two one.

utterance: Thank you for that information. Let me just repeat that back, OK?

utterance: Sure.

utterance: I got six eight six two three six one nine four six two eight seven one two one.

utterance: Yes ma'am. That was correct.

utterance: Thank you for that. And the payment amount that you'd like to make today?

utterance: I was thinking so the minimum is it like a hundred dollars? And I want to you know kind of pay it off more quickly and without the interest rate of course. So I think I'm gonna pay two hundred.

utterance: Sure. Not a problem. So you'd like to make a payment of two hundred dollars?

utterance: And what date would you like me to schedule this for?

utterance: Oh, you can schedule it?

utterance: Yeah, absolutely.

utterance: I thought. I mean I know I could schedule it for today but I didn't know I could do it you know at another date.

utterance: Oh, yes ma'am. You could schedule it up to one month in advance.

utterance: Oh, wow. OK. So. Let's see. Today's the fourth. Could we do it for for the twentieth?

utterance: Absolutely. So eleven twenty?

utterance: Yes. Please.

utterance: A two hundred dollar payment, correct?

utterance: Yes, ma'am.

utterance: All right. And what is that payment banking account number, that the money's going to be withdrawn from?

utterance: OK. It is I'm sorry. You said the account number, not the routing?

utterance: The account number, correct.

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

utterance: That was six three two seven one nine eight four two six one?

utterance: Oh. I'm so sorry. Yes. That is what I said but I made a mistake. I I don't have my glasses on you see so I couldn't really see the number.

utterance: So I'm gonna read it one more time. I just messed up one number.

utterance: Sure.

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

utterance: No problem ma'am. Let me just repeat that. Six three two seven one nine eight five two six two?

utterance: Two six one.

utterance: Two six one. I my apologies, ma'am.

utterance: Thank you for that. All right.

utterance: No problem.

utterance: And the payment bank account route number?

utterance: OK.

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

utterance: OK. So that was routing number four three two nine eight seven six five one?

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

utterance: OK. So let me just recap one more time here. We're making a payment of two hundred dollars scheduled for eleven twenty on card ending in seven one two one. Correct?

utterance: Yes ma'am.

utterance: All right. I'm going to go ahead and process this now. And you're going to receive an email confirmation of this.

utterance: let me just verify your email address on file here. Is it still that A Lopez at Gmail dot com?

utterance: Yes, ma'am. It is.

utterance: OK. Let me know when you receive that email, OK?

utterance: All right.

utterance: I think I received it. I'm gonna check right now.

utterance: OK miss Laurie. Yes. I did receive the email confirmation. Thank you so much.

utterance: Oh. You're very welcome ma'am. Thanks again for calling Intellibank. You have a great day.

utterance: You too. Thank you. Bye bye.

utterance: Bye bye.


utterance: Hello! Thank you for calling Intellibank. This is Maxwell. How may I help you this lovely Fall afternoon into evening?

utterance: Oh, hello Maxwell. I'm excited for the evening rapidly approaching.

utterance: All right. We're just about there.

utterance: Yeah.

utterance: Which part of this beautiful country are you in?

utterance: Oh, we're in Iowa.

utterance: Oh, wow. Oh, wow. Have the leaves started to change there?

utterance: Unfortunately there are no leaves. It's just flatland and commercial property.

utterance: OK. All right then. So

utterance: How about where you are?

utterance: Yeah.

utterance: Is Fall falling into place, as they say? I don't know if people say that.

utterance: Uh-huh.

utterance: They should.

utterance: I say that.

utterance: that's sweet. I live in a pretty industrialized area region myself, so. So I don't really know much about Fall, change of leaves, anything like that, but I do know I need some information about my debt to income ratio, which is why I'm calling tonight.

utterance: All right. Well, I assume that means you have a business account with us.

utterance: You're assuming correctly..

utterance: All right. Let's go ahead and start by getting some personal information so I can log into that account.

utterance: Yes.

utterance: OK.

utterance: And we can get going from there.

utterance: Let's do it.

utterance: Awesome. Oh! No problem at all. So, we're gonna start by needing your full name first and last as it appears on your account.

utterance: Pardon.

utterance: That would be Rowe. Rowe is my first name, and Shalina is my last.

utterance: All right. And, I'm gonna need your date of birth.

utterance: September ninth, nineteen eighty-nine.

utterance: And I'm gonna need your social security number and a state issued ID or a driver's license number.

utterance: Four three two one two one four four one. Driver's licence D nine eight eight four two zero three.

utterance: Fantastic. And what is the four digit pin for your account?

utterance: That should be seven two one nine.

utterance: Seven two one nine.

utterance: That is not coming up. Could it be a different four digit number?

utterance: Mm.

utterance: Would that be the incorrect information I've given you so far? It wouldn't be anything else right?

utterance: Yeah, I'm sorry.

utterance: Oh, that's all right.

utterance: I'm gonna, I'm gonna say. I think it's five four three nine.

utterance: That is correct. Five four three nine. OK, we are in your account.

utterance: OK.

utterance: Perfect. Thank you.

utterance: Great.

utterance: All right. Well I am seeing that you have our Intellibank business checking account.

utterance: Yes.

utterance: And our Intellibank smart business savings account. And you said you were calling today to check your debt to income ratio?

utterance: Yeah.

utterance: Yes.

utterance: All right. That will not be a problem at all. I can help you with that.

utterance: Very well. Thank you.

utterance: Now I see here that you are not a member of our online banking.

utterance: Correct.

utterance: So I would just like to let you know that in the future you can access all of this information and calculate your debt to income ratio.

utterance: Mhm.

utterance: Mhm.

utterance: Yeah.

utterance: On our website or our mobile app.

utterance: Oh.

utterance: Oh!

utterance: Yep, no more having to make a call. All you have to do is log in to our website.

utterance: Oh.

utterance: OK.

utterance: At Intellibank dot com.

utterance: Yes.

utterance: Or download our mobile app which is available at any app store.

utterance: Wow.

utterance: And then it's gonna ask you the same information that I already asked you today. And once you enter it one time you are then registered. You're all set up. And going forward all you would need to get into your account is your email address and that same four digit code.

utterance: Oh!

utterance: Well, that's just. That's great news.

utterance: But while I have you here, let's go ahead and pull up that debt to income ratio. So I'm gonna need to start by finding out what how many months do you wanna look this up for.

utterance: OK.

utterance: five please.

utterance: All right. So to find out your last five months' debt to income ratio we're gonna take the value of your company's monthly debt payments and we're gonna divide by its gross monthly income.

utterance: OK.

utterance: OK.

utterance: And, your debt to income ratio is eight point nine percent.

utterance: Ooh, nice. Thank you so much.

utterance: You're very welcome.

utterance: OK.

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

utterance: Today, I think that'll be it.

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

utterance: Do the same.

utterance: Bye.


utterance: Thank you for calling Intellibank. How may I help you?

utterance: Hey, what's going on man? How you doing? My name is Alex Felix and I'm calling in regards to paying off my credit card, my business credit card, and yeah man. I called earlier tried to get it done. Nobody responded back so you know thanks for picking up and everything being in business sometimes can be just a headache, you know what I'm saying? So try to be right and you know you know. Get all the expenses and do everything for everyone, but man, just I'm out here man. I'm like oh no, I gotta pay my stuff off. Gotta make sure I'm good before I help everybody else all the time. So, yeah

utterance: Sure.

utterance: Sorry, I can't help with that.

utterance: Well, we'll

utterance: Do our best to take care of you today and keep everything running smoothly.

utterance: Thank you so much I really appreciate that man. you know. I'm just trying to make it happen and you know, earlier today I was like I'm going to pay this off. I'm going to make a payment on this so I need to get this done ASAP. And then my secretary was just like what is going on and I'm like I don't know. Then my assistant was down my throat. I'm like yo guys relax you know. I'm trying to make sure everything is good. We won't over spend, you know. But hey. Running a business at times is is not easy right?

utterance: That is the truth. Well, I'm glad we can help you take care of that today.

utterance: Yes sir. Yes sir.

utterance: So.

utterance: What is your credit card account number that you're calling about?

utterance: it is fifty-two forty-one seventy-five twelve zero six one six zero seven seven zero.

utterance: Thank you. And what's the expiration and the three digit code on the back?

utterance: That is one two three and the expiration date is zero two zero two twenty-five.

utterance: Got it. Thank you. it looks like your current balance due is two thousand five hundred dollars and ninety two cents. Would you like to pay the full amount today or just a partial payment? Full amount? OK, great.

utterance: OK.

utterance: Yep.

utterance: Let's just knock it all out. Yeah. Let's.

utterance: Knock it out.

utterance: Perfect.

utterance: And what method of payment would you like to use? A checking account or something else?

utterance: I would like to use the check account for sure.

utterance: Okay great. Can I get the check account number?

utterance: Yes you can. checking account number is seven six one five four three three three one one.

utterance: And the routing number?

utterance: routing number is five five three eight two nine and yup.

utterance: Great.

utterance: OK. So and the payment date you would like that to be effective on. Is that today or another a today.

utterance: Oh, yep. That'll be t~

utterance: Nah, that would be today man. Knock it out. Get it done.

utterance: Today.

utterance: Fantastic.

utterance: Excellent.

utterance: OK. So that payment has been processed and you know I can set up an auto-pay, if you like, to just keep paying whatever your balance is every month if you like.

utterance: That'd be cool.

utterance: Yeah. Yeah. Autopay that would be cool.

utterance: Great. So there would be one one time charge just for this transaction that we're doing and then on the first of every subsequent month you will be charge the existing balance.

utterance: OK.

utterance: OK?

utterance: No problem.

utterance: Great. So let me just put that in.

utterance: OK.

utterance: And

utterance: Wait.

utterance: Do I don't I already have the account on file? The this account that I put on.

utterance: no. I mean if you go online to make a payment or if you just do it on the phone and you don't save the method of payment, it's not going to hold on to it.

utterance: But now that you are on auto-pay it will save this checking account and it'll always be on file for you.

utterance: Awesome. Makes a lot of sense. OK, cool.

utterance: Great. well like I said, you can always to online to change this at any time by looking at your account page where you can also see your other business accounts, your loans, you know payroll for your employees and all the other benefits associated with your account.

utterance: Cool.

utterance: I have a question. How long does it take to update any type of paid information. Like if I wanted to put another account on there to have this paid is that possible or does it take you know business days. Three five business of or payment solution.

utterance: What?

utterance: Two.

utterance: Two to five.

utterance: To update like the checking account that you have on here? You can do that at anytime instantly.

utterance: The credit card. The checking.

utterance: Account. Yeah.

utterance: Anytime? Instantly? .

utterance: Sure you can always.

utterance: Changed your method of payment.

utterance: And it should be totally fine. and if you ever have any questions about anything you can email us or you can also just call.

utterance: All right. Cool.

utterance: OK. Cool. yeah. All right. Great.

utterance: nine to six.

utterance: Awesome.

utterance: And I do believe that's it. Is there anything else I can help you with today sir?

utterance: No, you've been a blessing man. God bless. Thank you.

utterance: Thank you. Have a great rest of your afternoon.

utterance: You too.


utterance: Hello, thank you for calling Intellibank customer service. I am your customer representative George. How can I help you?

utterance: Hey George.

utterance: I like one I gotta I need to get a a loan. Wanna do like the S SPA loan. S five oh four, I believe. SBA five oh four loan.

utterance: Yes. Yes. Actually that would be the SBA loan. That's a small business administration loan.

utterance: That. That.

utterance: That's right. That's right. OK yeah. I'd like to enquire about a loan. I need it for my business.

utterance: if you can give me that information, yeah that'd be great.

utterance: Absolutely. I'd love to get you started on the application for an SBA loan. First we'll need to get into your account to take a look at your finances.

utterance: Can you help me out with your first name and last name?

utterance: Name is James Hilton.

utterance: All right, James Hilton. Fantastic, and what is your address, Mr. Hilton?

utterance: nine three nine South Eagletown Drive.

utterance: Westwood, California. Nine two five one one.

utterance: Fantastic. Now what is your social security number?

utterance: Three three five zero eight two two one two.

utterance: Great. I'm just putting that in the system. Now what is your driver's license?

utterance: Driver's license is D six eight five three one one two.

utterance: California.

utterance: Great. Thank you very much. OK what is the PIN for your account?

utterance: The PIN for my account is four four one six.

utterance: All right, and the email associated with your account.

utterance: It's just gonna be James Hilton at The Pacific Seafood Restaurant dot com.

utterance: That's great, and your business name.

utterance: Business name is The Pacific Seafood Restaurant.

utterance: Sounds delicious already.

utterance: Mm.

utterance: Are you the sole owner of this business?

utterance: I am.

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

utterance: It's May sixteenth two thousand ten.

utterance: May sixteenth two thousand ten. Fantastic.

utterance: Now what would be your gross annual sales? This will help in determine in determining your loan amount.

utterance: we had a good year last year. We did We finally topped three million. So it's three point one million on gross sales last year.

utterance: Well that's fantastic.

utterance: Mhm.

utterance: And what is your tax ID number?

utterance: It is give me one sec.

utterance: Mm it's eight eight four five six three.

utterance: OK. I'm just throwing that in there, and what is your business street address?

utterance: It's one zero one zero Ocean Way, Malibu, California. Nine two three three one.

utterance: Malibu, that's a great location for seafood.

utterance: Yeah.

utterance: And the mailing address, is that going to be the same as your business address?

utterance: It is, yes.

utterance: Can you just confirm that for me again?

utterance: Yes, it's one zero one zero Ocean Way, Malibu, California. Nine two three three one.

utterance: Fantastic. All right. Now that we got all your information, I'd love to know what the purpose of this loan is for.

utterance: So yeah king crab is back in season and you know, with inflation and with labor shortages, they cost a lot more money and So I just need a little bit more capital to. For my inventory cuz we're known for our king crab legs. It's one of our most popular items. So I just need a need a little capital to get some more. as well as we're expanding our outdoor dining. So I just need. Need some. Some heat. Heat lamps and some more chairs and stuff like that.

utterance: Well it sounds like you have a a great business going on there and based on your history this shouldn't be a problem.

utterance: What would be the total loan amount that you're asking for?

utterance: OK, I think I need a good clean number like three hundred thousand.

utterance: Three hundred thousand.

utterance: All right. I think based on your credit score and your sales this should not be a problem. You had a great year last year.

utterance: Mhm.

utterance: And we'd love to continue doing business with you.

utterance: if you're going ahead with this loan amount, what would be the down payment percentage?

utterance: I can put down a decent amount. What's the max I can put down?

utterance: The maximum is twenty percent.

utterance: Let's do that. I can do twenty percent.

utterance: Great.

utterance: All right.

utterance: Putting you down for twenty percent.

utterance: So we were We are gonna be sending you an email requesting some additional documentation just to verify some of this information. So you can go ahead and either bring it into the bank or you can upload it digitally, that will be much faster to do online, if you want my two cents.

utterance: Mhm.

utterance: So you're gonna be getting that email momentarily and you can continue with your application online.

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

utterance: Yeah, I wanna. I wanna get a a custom. I wanna get like a a cashback credit card. You guys have like a Signature Advantage Cashback Card I think, right?

utterance: we have.

utterance: We do have a card similar to what you're talking about, but it's simply called the Cashback Card.

utterance: Oh OK.

utterance: what's the. What's the percentage on the cashback?

utterance: three percent.

utterance: Three percent? That's Oh that's great.

utterance: Yeah.

utterance: Ok, yeah let me I'm interested in that one.

utterance: All right, great. Well I can go ahead and put in the application for you and get that rolling.

utterance: if we need any additional information we'll ask, but you have a great credit so you should be getting this credit card in the mail within fourteen days.

utterance: Oh nice.

utterance: Great.

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

utterance: No, that's it.

utterance: All right, I hope you have a great day and thank you for being a loyal customer here at Intellibank.

utterance: Thank you. Have a good one.

utterance: Take care.


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

utterance: Hi Jerry oh oh I was gonna stop by the office there and I got something in in. I got something in the mail saying talking about my interest rates. Going up and I. I thought sure I had a fixed interest cuz I'm a preferred customer.

utterance: Absolutely I'll be happy to explain what it is that we may have sent you in order for me to pull up that information I'm just gonna ask you a few questions so that I can obtain that account information. Is that all right?

utterance: Yes sir.

utterance: OK and if. First of all if I could just ask what's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman if I could ask what's the business name of the account that you have with us?

utterance: Ray's construction company.

utterance: All right terrific and I'm just gonna ask a few questions for security purposes to verify your account because we do take account security very seriously here. Is that OK?

utterance: Yes sir, proceed on.

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

utterance: three twenty-six nineteen seventy.

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

utterance: OK shoot. hang on just a moment Jerry.

utterance: Certainly.

utterance: OK. OK I got it. that that number is is is nine eight four six five nine one nine.

utterance: OK and one last question what is the PIN number for you account?

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

utterance: OK thank you for that Mr. Freeman. Let me see if I can get your account information pulled up here and yes I was able to locate your account for your. you are correct, your business preferred checking account. and as I review your account here the notice that we sent you is indeed about the interest rates. Now just so that you're aware you are also correct. You do have what appears to be as I review your account, a real estate loan with us and that real estate loan is indeed a fixed rate. but what the notice that we sent you in the mail is referring to are our promotions for our term loans that we provide. So you're correct. you loan does have a fixed rate on your real estate loan. However what we sent you in the mail is referring to a different type of loan that has different interest rates.

utterance: OK I. That looks just fine about that because yeah trying to make sure that I know exactly what's happening with the finance. and because it's very important to me that I be on top of it as much as just as much as . The people I got in the accounting office. I want to know just as much about it as they do and more when they come bring me their report. I wanna already know that they bring me something different. I know something's wrong.

utterance: I fully understood and fully understandable Mr. Freeman. I. It is of course why we offer you the tools to monitor your account and have the ability to pull up your account information when it pertains to monitoring your account and being fully equipped to address whatever financial needs and concerns you may have.

utterance: thank you very much. I I appreciate that so much and I thank you that this this is only apply to the real estate account. Do you have a fix on that. So that only tells me about the things that I could get into later on and what else interest rates would be at. I appreciate that.

utterance: Well speaking of, as you mentioned a few moments ago, knowing what your account is. are are you of course aware of what your account balance is?

utterance: Nah no fill me in on that cuz I we been doing some spending and I hadn't calculated some of the receipts yet so let me. Tell me what that is right now and you may save me the trouble looking at the receipts right now.

utterance: Absolutely again for your business preferred checking account your current balance right now is three hundred seventeen thousand six hundred and twenty-six dollars.

utterance: OK I appreciate that I I matched . I matched receipts up that number you just gave me.

utterance: yes sir that's of course as of this call obviously. If a transaction were to occur after the call or during the call from you or one of your employees obviously it'll be updated minute by minute but as of my speaking with you now that is your balance.

utterance: I appreciate that. That sounds good. That sounds workable. It is very important to me and the company that I stress in our meetings that we keep everything straight across the board where the money at and therefore it it it it lets the people know where we at and and when a raise is coming in which we try to do often as possible so like I say I I appreciate everything you're saying. Thank you so much.

utterance: Well it sound like you're on top of your finances there Mr. Freeman. I. And how long you you you. Sounds like a a a man who's been in business for a while. You you keep your eye on the numbers there.

utterance: Yeah it's been thirty years. You you need to watch numbers. You don't they you gone be have some very disappointed days.

utterance: yes sir indeed. Well hopefully we can make the next thirty years for you and your business even more convenient and simplify your financial concerns by providing you with safe place keep your funds as well as frankly of course offer funding for your future property purchases or equipment purchase in the in the future.

utterance: Oh yes that's very important yes. thank you very. thank you so much for that because it's very important that everything stay on point and I'm a raise up some people to start doing the heavy lifting if I can get me to sat down and really listen to me. What I'm saying instead of looking at what they can go buy

utterance: again I certainly can understand that concern as well. keeping costs down and frivolous spending down I think is key to probably most businesses.

utterance: Yeah I appreciate that. You know as just. Other other than that. Hey I have no complaints. You know, always well.

utterance: Well terrific if there's nothing else I can assist you with Mr. Freeman?

utterance: that that be all for right now Jerry.

utterance: Well again thank you for giving us a call today and you have a pleasant day.

utterance: Thank you. You too. Have a good day, bye bye.

utterance: Bye bye.


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

utterance: Yes. Sorry, I just hired a new secretary a few months ago. she's just out of college, she's a little shy. I sent her to make a deposit on Friday and the teller wouldn't let her access my business account.

utterance: but, she's going to be making a lot of deposits for me.

utterance: So, I need to know what can I do to to maybe move that along for her.

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

utterance: It's Jill Baker.

utterance: And, do you prefer that I call you Jill or Miss Baker?

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

utterance: All right, Jill, so you sent your secretary to make a deposit for you but the bank wouldn't allow her to make that deposit for you. Am I understanding that correctly?

utterance: Yes, that's right.

utterance: OK. Is your secretary an authorized user on the account?

utterance: No. Does she need to be?

utterance: Yeah. So what we can do is we can add her as a delegate on the account and that way if she needs to make any deposits for you, she's authorized.

utterance: Would you like to do that?

utterance: So, when you say delegate does that mean she can just do things on my account on my behalf or does that mean she has like legitimate access to my account?

utterance: Yeah. So that's correct. She she can do things on your account on your account on your on your behalf but she will have limited access to that account.

utterance: So she can make deposits or withdraws but within a certain threshold on your behalf.

utterance: OK then. that's good. Let's do that then.

utterance: OK, Jill. I just need to get some information from you. Is this a business account or a loan account?

utterance: It's my business account.

utterance: OK. And, what accesses are you wanting your secretary to have for this account?

utterance: So, I guess I would like her to be able to call regarding account. She can make telephone calls, deposits, withdrawals, that kind of thing. I just don't want her to be able to withdraw a whole bunch of money or anything like that, if that makes sense.

utterance: Yeah. So for delegates on the account there's a there's a threshold for how much that delegate can withdraw without the account holder's permission.

utterance: The threshold, I believe, is five hundred dollars. So, if she tried to make a withdrawal exceeding that then the bank would call for authorization before she was permitted to do that.

utterance: this is also a daily limit not a person transaction limit so for example she wouldn't be able to go through the bank drive-thru and take out five hundred dollars and then go to an ATM and withdraw five hundred dollars. It's a five hundred dollar amount for the the entire day for her.

utterance: OK. That that's perfect. I mean I don't think she'd do something like that but I just want to be safe.

utterance: That's all right. I understand. You can also remove her as a delegate from the account at any time should you choose to.

utterance: OK, then let's add her please.

utterance: OK. So what is your account number?

utterance: So my account number is three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: All right, Jill, and can I also get your date of birth?

utterance: It's March second of nineteen eighty.

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

utterance: Yes, sorry, it's six four seven eight.

utterance: OK.

utterance: So, I have your account up and I'm going to need to get some information for your secretary now, OK?

utterance: So, what is your secretary's first and last name?

utterance: It's Sandra and her last name's Miller.

utterance: OK, and what is Ms. Miller's date of birth?

utterance: So, her birth date is April eighth of nineteen seventy-six.

utterance: OK. And, do you have a social security number for her, Jill?

utterance: Yes, so that's six three seven zero nine zero two eight zero.

utterance: OK. And, the last question. Do you have an I'm sorry, this isn't the last question but we're getting to the last of the questions. Do you have an address we can add for her?

utterance: Yes. So, her address is three two zero Westin Place and that's Kansas City, Missouri. It's seven three eight two nine, I believe.

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

utterance: it's M as in Mary nine three seven zero zero two zero zero.

utterance: OK, and what state is her license out of?

utterance: That's Missouri.

utterance: OK.

utterance: And, can I get an email address for her?

utterance: Yes, so her email address is S as in Sandra Miller at Johnson controls dot com so it's S Miller at Johnson Controls dot com.

utterance: All right. Thank you for that. And, would you like to add a four digit PIN for her?

utterance: This will just kind of help differentiate between who was responsible for certain activity on the account.

utterance: so if she's using, if she's doing certain transactions and using her PIN number then whenever you look on your online banking you should be able to tell whoever made that transaction.

utterance: OK. can she change it later if she wants? Like I just don't want her to to pick something she's not going to remember.

utterance: Yeah she can. She will just have to provide the one you create for her today to be able to change that. And, she can change that at any branch or over the phone at Intellibank.

utterance: OK then. Let's do four zero zero nine for her PIN right now.

utterance: OK. Give me just a moment. I'm going to get her added to the account and get that PIN number put in for her.

utterance: Just one second. Ok, Jill, I have her added to the account. Can I ask you real quick, Jill, do you have access to online banking with Intellibank?

utterance: Yeah, I do.

utterance: OK, Jill, I also want to let you know that if you choose to give Sandra access to online banking, you can go to customize her permissions on that account by using her PIN number for the account.

utterance: This way she can conduct limited online transactions for you that you set up for her if she should need to do something through your online banking.

utterance: Oh, OK. Thank you. That's that's appreciated.

utterance: No problem. Was there anything else I could do for you today?

utterance: No. That's everything I wanted. Thank you so much.

utterance: Not a problem at all. Thank you for choosing Intellibank. You have a good day.


utterance: Hello and thank you for calling Intellibank. My name is Dolly and I will be assisting you on tonight's phone call. Who do I have the pleasure of speaking to?

utterance: Intellibank Dolly I am wanting to do some configuration with my company's debt to income ratio because there was a loan product I was reading about and we'll get to that but I wanted to see what my company's cash flow situation

utterance: OK. I'll need your

utterance: Name to get started.

utterance: Oh yeah OK yes my name is Jelani Woods.

utterance: Gelani can you spell that for me?

utterance: J E L A N I.

utterance: OK and Woods, OK. W O O D S.

utterance: Woods.

utterance: Yeah.

utterance: OK great. And may I get your four digit PIN number that's associated with your accounts?

utterance: Five nine nine three.

utterance: Five nine nine three. Terrific and can you please verify your date of birth?

utterance: Five sixteen nineteen seventy-five.

utterance: OK great. All right I am in the system. I can pull up your accounts with us and so you'd like to look at your debt to income ratio is that correct?

utterance: Yes.

utterance: All right. Are we looking at just the last quarter?

utterance: let's look at the last two quarters to make sure.

utterance: OK.

utterance: You got it. All right for the previous quarter it looks like your debt to income ratio was twenty-two percent

utterance: And then for the last quarter. That's actually considered good. It's anything between twenty and twenty five percent is good but you I you hit the ideal mark on your last quarter of eighteen percent because obviously you've been working very hard making payments. So the last quarter is at eighteen percent.

utterance: Right.

utterance: Yeah. Twenty-two is not the greatest number. I don't remember much that happened when I was twenty-two years old but I remember more when I was eighteen.

utterance: I see.

utterance: So eighteen's a better number.

utterance: Yeah that's actually excellent and if you I don't know if you're interested in applying for any kind of credit cards or loans but when you have numbers drop down like that it's a really great opportunity.

utterance: Well you know yeah I was thinking about the SBA five oh four loan and now that you mention that it might be good to get a rate locked in

utterance: Yeah.

utterance: It absolutely is because with the with these government funded loans that are you know backed by the government we are able to lock you in at ten years at only two percent and there's no penalty for paying it off early. So would you like?

utterance: Oh.

utterance: Ten

utterance: Years at two percent, you say.

utterance: Yeah.

utterance: Did you wanna go ahead and apply for the SBA five oh four loan?

utterance: I do wanna do that. Let's see what these numbers come out.

utterance: OK.

utterance: Let's rock and roll. All right here we go and so we'll doing under your name of Jelani Woods?

utterance: Jelani Woods yes.

utterance: Great. And what is the business address?

utterance: Our address here is three one one seven Astoria Lane Los Angeles California nine zero zero zero eight.

utterance: Great. What is your?

utterance: Tax.

utterance: ID here is two one three four four.

utterance: Oh.

utterance: nine five six.

utterance: One moment

utterance: Mr. Woods I will but I'm just not on that screen yet.

utterance: OK cuz I had it on the same page.

utterance: What is your social security number?

utterance: Six two six three two three. Eight one eight one.

utterance: Great your driver's license number?

utterance: Six two five eight four seven Five two eight nine.

utterance: Your email address?

utterance: It is J Woods at Woods dot com.

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

utterance: I am.

utterance: What year did you establish the business?

utterance: Twenty thirteen.

utterance: Great OK your gross annual sales for last year?

utterance: It's it was actually five hundred thousand last year. It was a banner year.

utterance: Oh congratulations.

utterance: I think that's why we got down to eighteen percent.

utterance: OK. Could be.

utterance: Yeah.

utterance: All right and your tax ID number now I'm ready for that.

utterance: Oh OK tax ID is five two four six zero seven eight nine two three.

utterance: OK and the amount you'd like to apply for? The loan amount.

utterance: Oh I guess I should have thought about that. OK let's do seven hundred thousand.

utterance: OK and then the purpose of your loan?

utterance: this loan we're going to be company expansion, equipment upgrades And.

utterance: Will you also

utterance: Be purchasing properties?

utterance: And we're gonna move to a different. A different office space, yes.

utterance: OK.

utterance: OK.

utterance: Since the five oh four is primarily is focusing on real estate. Ok great.

utterance: Yeah we'll get the we'll get the the place but we're gonna have to fill it with something you know?

utterance: Mhm OK and what downpayment would you like to to put down? It's between five to twenty percent.

utterance: Let's do fifteen percent.

utterance: OK great. and I am processing this loan. If you are approved you can also have the funds sent right to your checking account. would you like would you like the funds distributed there?

utterance: Yes that'd be fine.

utterance: OK great. I have finalized your application. I've sent you an email with your confirmation. And please upload your tax ID and your driver's license there. That completes the process and oh if I didn't say so already you'll find out between seven to ten business days.

utterance: OK great.

utterance: Is there anything else I can do to assist you?

utterance: No you've been a great help.

utterance: All right well thank you for calling Intellibank and have a great night.

utterance: Thank you.


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

utterance: Yeah so I need to see about doing something to help my business with an expansion. I'm not really sure what I need but I don't know if there's someone that could possibly speak to me regarding this?

utterance: Yeah I can speak to you regarding this. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: Please just call me Jill.

utterance: All right Jill, so when you say expansion, are you referring to expanding the business location or purchasing a new property?

utterance: So we are purchasing a second location so what I've been doing is I've been doing some research and it's kind of come down between the SBA seven A and the SBA five oh four loan options. but if you could tell me about them like I'm thinking maybe the SBA seven A loan might be one to one to go with but if you could maybe explain it to me, that's kind of where I'm at now.

utterance: Yeah I can Jill. So first of all are you currently a customer of Intellibank?

utterance: I am, I have a business checking account with you.

utterance: OK. Thank you. So for the SBA seven A loan, that is a business administration loan that's offered to small business and that's why the government assumes some of the risk for the bank. So that way the bank can approve these loans, even when the business debt may be a little bit higher than are allowed on maybe one of our normal Intellibank loans. The government the government guarantee some of that loan and then they assist with capping interest rates and limiting the loan fees and things like that with the bank.

utterance: OK so there's a strict qualification for the loan?

utterance: Yeah so you will need to meet the loan criteria to be eligible for that loan.

utterance: So what about the SBA five oh four?

utterance: OK. So the SBA five oh four is specifically for the purchase of real estate purchase for the business. It has the same government participation as the seven A loan, it just has to be used for the purchase of real estate. Are you planning on purchasing a property you said with this loan?

utterance: Yeah, so we're trying to expand the business out and open another location so we're purchasing real estate for that. So let's disregard the seven A. It sounds like maybe the five oh four might be best for me.

utterance: Yeah, so if you're purchasing property the five oh four loan would be the best option for you if that's what you're trying to accomplish.

utterance: OK then. Let's scratch the seven A. Let's move forward with the SBA five oh four then OK?

utterance: OK. I'm just gonna need to get some information from you Jill. What is your account number?

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

utterance: All right Jill. What is the name of your business?

utterance: It's Johnson Controls.

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

utterance: That's March second of nineteen eighty.

utterance: All right Jill. So looks like your account has a four digit PIN number on it for security purposes. Could you provide that PIN number for me as well?

utterance: Yes I can, that's six four seven eight.

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

utterance: It's Kansas City, Missouri.

utterance: And can I get your address please?

utterance: Five three nine Hooder Road in Kansas City. And the ZIP code that's seven three eight two zero.

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

utterance: Yeah so that's seven three eight zero two zero seven eight three.

utterance: Thank you Jill and what is your driver's license number and your state of issuance?

utterance: It's M nine three seven zero zero two zero zero and that's the Kansas driver's license.

utterance: OK Jill. Let me ask you, are you the only owner of the business?

utterance: Yes I own it by myself. I had a partner years ago but not in a really long time.

utterance: OK when did your business open?

utterance: It opened August of two thousand and fifteen.

utterance: And Jill do you know what your business grosses annually?

utterance: So I believe in twenty twenty it was like five hundred thousand.

utterance: OK what is your tax ID number Jill?

utterance: It's seven three eight eight two nine zero. That's a Missouri tax ID.

utterance: All right and I just wanna verify real quick the address of the business.

utterance: That would be eight three seven two Hillshire Way, Kansas City, Missouri, eight six three seven two I believe.

utterance: OK and what is an email address for you Jill?

utterance: That's J as in Baker. I'm sorry J as in Jill Baker at Johnson Controls dot com.

utterance: OK Jill and for your mail that comes from Intellibank, do you receive that at home or do you receive that at the business?

utterance: I pretty much get everything involved with the bank account at the business.

utterance: All right and Jill just to confirm you're seeking a loan to buy a property, correct?

utterance: Yes that's correct.

utterance: OK what is the address of the property you're looking at?

utterance: It's eight four three seven and that's West Buckley Road, Kansas City, Missouri and it's three eight four nine zero.

utterance: All right Jill and do you know this property what this property is currently listed at or do you know about how much you are looking to borrow?

utterance: So the property is two hundred thousand so that will be what I needed to borrow.

utterance: OK and are you going to try to put anything down for that loan?

utterance: So probably put like five percent down if I could.

utterance: OK, so it looks like five percent's going to be about nine thousand five hundred dollars. Does that that sound like what you're aiming for?

utterance: We could probably do an even ten thousand if that would work?

utterance: Yeah, that's fine. I can put that down. Jill, what kind of terms are you looking at for this loan?

utterance: probably like a twenty year term, maybe thirty for the two hundred thousand so, if I could get thirty, let's go with thirty.

utterance: All right, Jill. So I think that that's everything that I need for now. If you have just a few moments, I'm gonna run this through to see if I can get that pre-approval for you. OK?

utterance: That's fine. How long do you think will it take?

utterance: it's almost in processing so it shouldn't be that much longer.

utterance: OK. I don't really have anywhere to be. We're closed on Monday's so I'm just kind of sitting around but I was just curious.

utterance: Well that's nice, I mean it makes for a really long weekend for you if you get a Monday off.

utterance: Yeah we just never really get much business on Monday's. So I like to call Monday's my spa days.

utterance: Oh. Well everybody needs a good unwind every week kind of day so I'm glad that you get a spa day in there.

utterance: Yeah my husband likes to lovingly refer to it as my maintenance Monday. It's like when I get my hair done or pampered or nails or whatever, it's it's a me day.

utterance: Well that's that's great, I think everyone could probably use a maintenance Monday, I know I absolutely could.

utterance: I know that's what I'm saying, like I definitely could.

utterance: Well that's great Jill, I did get that pre-approval for you on this loan, so what I'm going to do now is I'm gonna email you a link to our loan portal with a list of documents I'm gonna need you to provide. Once you access that email, if you could upload those required documents there and then a loan agent will reach out to you to assist you with the loan process. I do want to let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided can be verified. Did you have any questions regarding that?

utterance: No so you said you'd send me an email though with everything in it so that's what I need to be looking out for then?

utterance: Yep that's correct, so I'm gonna send you an email right now. Get all that information emailed over to ya and then if you have any questions just give us a call back. Was there anything else that I can do for ya?

utterance: No, you've been great. I appreciate it.

utterance: All right, Jill. You have a great day and thank you for choosing Intellibank.


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

utterance: Hi Jess, I've been having a lovely day. How's your day going so far?

utterance: So far so good, I can't complain.

utterance: Nice nice. OK so I'm pretty sure you're getting a hundred of these calls today, but I got something in the mail about some special program that y'all are offering it got some cards involved and so I kinda wanna speak to someone about this.

utterance: Yeah so, I think you're referring to our new program where you can be financially advised by one of our risks specialists. Is that something that you'd be interested in scheduling today?

utterance: Yes and and I also wanna speak to someone about that and also the yellow card.

utterance: OK it sounds like you might be talking about our gold card.

utterance: Yes yes, I'm sorry I'm sorry.

utterance: Yes OK so, when you do have your consultation with our risks specialist, they'll be able to walk you through the benefits of the gold card as well.

utterance: Nice.

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

utterance: Absolutely, my full name. Let me know when you're ready.

utterance: I'm ready.

utterance: our first name is gonna be Eli, E L I. Last name is going to be Sands, S A N D S. Address is going to be three zero three six Thousand Oaks Boulevard and then my social is going, last four of my social is gonna be seven one five six.

utterance: OK I just needed the social, so can you repeat the last four digits?

utterance: sev.

utterance: Seven.

utterance: Seven one four six right?

utterance: Yes.

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

utterance: Yeah absolutely, give me one second. Let me know when you're ready.

utterance: I'm ready.

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

utterance: OK and so that was five zero three eight eight six five one five three nine one five one five five.

utterance: Correctomundo.

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

utterance: OK.

utterance: OK and I have all of my security stuff and password in like a little journal thing. Give me one second, I'm gonna go grab that real quick.

utterance: Of course, take your time.

utterance: OK. Hello?

utterance: Yes.

utterance: OK, awesome. Ready for you.

utterance: OK, I'm ready.

utterance: OK

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

utterance: Yes, let me know. You say you're ready, OK we got three five five three.

utterance: OK, great. And you set up some security questions when you created your account, I'm gonna just go ahead and ask you those.

utterance: All right.

utterance: OK, what is your favorite color?

utterance: Blue, B L U E.

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

utterance: I grew up on Mock Avenue, M O C K.

utterance: OK great, thank you for verifying that information for me. I'm gonna go ahead and pull up your account. OK, I am in your account and I also have our scheduler open so we can get you in contact with one of our risks specialist. Is there a specific day and time you're hoping to speak with someone?

utterance: yeah I would love to do like give me one second, let check my little calendar here let's do Monday after two.

utterance: OK, let me see our availability on Monday, just a second. OK so, we do have an appointment available on Monday at two thirty, does that work for you?

utterance: Yeah, that should be perfect.

utterance: OK so, would you like that to happen in person or online?

utterance: Let's do in person.

utterance: OK great, what's you ZIP code?

utterance: Let me know when you're ready.

utterance: I'm ready.

utterance: Seven eight two two five.

utterance: Seven eight two two five, just one second. OK, that looks like you're gonna be at our Montague Road location.

utterance: OK.

utterance: So I have you all set up. All you need to do is show up with your ID and let our receptionist know that you have a pre-scheduled appointment.

utterance: Nice OK, thank you very much.

utterance: Of course, is there anything else that I can help you with while I'm still on the line?

utterance: no, I think I think you answered everything lovely. Thank you again, I appreciate it.

utterance: Of course, I'm so happy to help out. You have a lovely day.

utterance: OK, thank you. You as well and God bless.

utterance: Thank you.

utterance: Bye.


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

utterance: Hello Lori. I need to make a payment on my credit card for my business account.

utterance: Sure I can help you with that sir. What is your first name?

utterance: My name is Alex.

utterance: And your last name?

utterance: Lopez.

utterance: And your date of birth Mr. Lopez?

utterance: Six six nineteen sixty-two.

utterance: Thank you for that information sir.

utterance: Yes. You're welcome. How are you today?

utterance: I'm doing excellent sir. Thank you very much for asking. How are you?

utterance: I'm OK. I'm OK. Thank you for asking.

utterance: That's good to hear. All right. Let me see sir. And What is the PIN number for the account?

utterance: The PIN number is six two six two.

utterance: And your date of birth please?

utterance: My date of birth is six six nineteen sixty-two.

utterance: Thank you sir. All right I do see your information here. And can you tell me what's the payment account number?

utterance: can you hang on for a minute?

utterance: Absolutely.

utterance: Sure.

utterance: OK so the account number is eight six seven two three five eight nine two seven five.

utterance: And the routing number sir?

utterance: OK. so what's the routing number? OK. six three two nine six one eight.

utterance: That was six three two nine six one eight?

utterance: That's it Lori.

utterance: And the payment account again was eight six seven two three five eight nine two seven five?

utterance: Yes.

utterance: Thank you sir for that information.

utterance: You're welcome.

utterance: And the payment amount?

utterance: It's gonna be two hundred and sixty-seven dollars.

utterance: Two sixty-seven even sir?

utterance: Yes even Stephen.

utterance: All right sir not a problem. And the payment date?

utterance: hang on a minute. Let me look at my calendar here real quick. I'll check what's the best date here. I got something circled. OK schedule it on the eleven seven twenty-one please.

utterance: Sure I can schedule that for you for the seventh. Not a problem.

utterance: Why thank you.

utterance: All right sir so we have your payment set for two hundred and sixty-seven dollars coming out of account eight six seven two three five eight nine two seven five for your credit card and we're scheduling it for eleven seven. Is that correct?

utterance: Yes.

utterance: Thank you sir. Would you like me to go ahead and give you your balance?

utterance: Sure.

utterance: All right. Your balance remaining on the card today is five hundred dollars. And your next payment due is going to be on twelve seventeen. Is there anything else I can do for you today?

utterance: Yes is there a way to make payments online?

utterance: Absolutely yes sir you can. You can set up online banking at any time by going to WWW dot Intellibank dot com.

utterance: OK, sounds good, thank you.

utterance: You're very welcome, sir. You have a great day, OK?

utterance: OK, you too. Thanks Lori.

utterance: Bye bye.


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

utterance: Hey, Arthur. I I'm recently, I've been worried about security issues here. I've had some friends say that their, their accounts have been hacked and I'm really worried about it. I know there's a lot of hackers going on, lot of thievery and I was hoping you could help me figure out or at least tell me about security measures your company takes to make sure my accounts protected any advice you can give me on what I can do moving forward. cause I'm a little concerned.

utterance: Absolutely. Well some of the security measures that we have in place are two point verification and there are definitely security question and security in place to keep your information as protected as possible. the only sensitive information that could get out there is if is if password leaked or a pin leaked through through a third party service if you have it stored if you have it stored anywhere.

utterance: Do you do you guys, do you guys?

utterance: Take care of security on your own, or do you like outsource it to like a different like an out. Different security company?

utterance: Both. We have we have a lot of security in place.

utterance: OK great. OK.

utterance: Yeah. That sounds good.

utterance: So based on the information you gave me is there anything that I suggested that you would like to do for example changing your pin for added security?

utterance: Yeah you know what. That sounds like, that sounds like the move. Let's do that.

utterance: OK. In order to do this I'll need to verify your identity and open up your account page. In order to do so I'm gonna ask you some personal information. Let me get your first name and last name.

utterance: Name is Albert Hong.

utterance: OK. And is that H O N G?

utterance: Correct.

utterance: Fantastic, and what is your date of birth Mr. Hong?

utterance: It's February twenty-eight nineteen eighty.

utterance: Fantastic, and what is your old pin?

utterance: My old pin is seven two six one.

utterance: Seven two six one. Fantastic, and what is the new pin that you would like to change to?

utterance: new pin, eight three five five.

utterance: Fantastic. Eight three five five.

utterance: I am updating that for you right now.

utterance: All right. So the next time you go to an ATM you're going to be using this pin.

utterance: Sounds good.

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

utterance: Yeah can I I'd like to are you able to check my credit card balance that's that I have right now and like when it's when it's due?

utterance: Yeah. Absolutely. all I need is this will be a little bit redundant cause you've already given me this information. But I'll need your first and last name again.

utterance: It's Albert Hong.

utterance: Your date of birth?

utterance: date of birth is February twenty-eighth nineteen eighty.

utterance: Fantastic, and your new pin?

utterance: New pin is eight three five five.

utterance: great and you'd like to check the balance due on your credit card? What is the credit card number?

utterance: Mhm.

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

utterance: Fantastic, and I'm just looking that up for you right now. And it looks like you have made all your past payments on time that's fantastic the current billing period is almost up. At the end of the month will be your next payment and that is going to be, your minimum payment will be two hundred and fifty dollars but your total bill is at three thousand seven hundred and fifty.

utterance: OK.

utterance: OK great. That sounds that sounds about right.

utterance: Great. Now do you wanna check the balance on any other cards?

utterance: No I'm OK but I do have a question about looking at, I wanna open another credit card account. And I know you guys have like platinum rewards card I was thinking about. Can you tell me about the platinum rewards card?

utterance: OK. So we have platinum card and then the rewards card is separate, but platinum has a lot of benefits too. But if you just want the rewards card. There are a lot of built in benefits as well.

utterance: Oh.

utterance: Oh OK. Which would you recommend?

utterance: the platinum card requires a a relatively high bank account statement. which we'll have to see if you qualify. But the rewards card is you already qualify. So it won't take too long to apply for that one.

utterance: OK. Let's go ahead and do the rewards card.

utterance: Fantastic. All right. I'm gonna put the application through right now and pending your approval you'll get a card in the mail in the next four to eight weeks and that will be your new credit card.

utterance: Sounds good.

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

utterance: No that's it.

utterance: All right. Great. Please hold on the line for a short survey, and we'd appreciate your feedback if if nothing else then we will end this call.

utterance: No nothing else. Thank you.

utterance: All right. Take care.

utterance: You too.


utterance: Good afternoon and thank you for calling Intellibank. My name is Dexter. Who may I have the pleasure of serving?

utterance: Hi. I am Michael Galahad.

utterance: Hello Michael. How are you doing today?

utterance: I'm good. I'm good. I just wanted to get some information about my account.

utterance: Of course. Well I need to access your account. So I'm gonna need your name and your Social Security number. You said your name was Michael Galahad. How would I spell that?

utterance: Michael is M I C H A E L. Galahad G A L A H A D.

utterance: All right and can you give me that social?

utterance: Social is two, three, five, nine, seven, three, five, two, two.

utterance: Got it and lastly I need your pin.

utterance: The pin is two, seven, three, five.

utterance: Perfect. All right just give me a moment here while I access your account. OK. everything looks good. So what can I do for you today Mr. Galahad?

utterance: Yeah I wanna know given the amount that I have and I'm trying to to to increase the sales and the reach of my business. So I need to I don't have the available money in my account to to make any adjustments or or repairs to to my store at the moment and I was hoping that Intellibank would be able to find a way to to assist my business.

utterance: OK. So it sounds like you're looking for a loan?

utterance: Yeah. Yeah if that's if that's the most appropriate course of action for me to get some sort of financial help from the bank.

utterance: Ok. Well we have a couple different types of loans. but just based off eyeballing your account for a second. I think you would be best suited for the secured loan.

utterance: OK. OK. Can you tell me about that?

utterance: Yes. Basically we give you a loan up to a certain amount based off the type of. You'd have to put up something for collateral. So let's say if you wanted a ten thousand dollar loan you'd have to give us something, put up something that would be worth about ten thousand dollars. So just in case you would unfortunately default on your loan, we have something that we would possess that would cover our ten thousand dollars that we loaned you. Thus a secured loan.

utterance: OK. That sounds fair.

utterance: So would you like to proceed with applying for that?

utterance: Yeah. Yeah I think I think that would be an appropriate course of action. Let's go ahead with. You said that was a secured loan?

utterance: Correct.

utterance: OK. OK. Yeah if that's my only option then I think that's something that I would be interested in.

utterance: All right. Well, let's get this application started. Moving onto the next screen. I apologize if some of this information seems redundant but I I kinda need to repeat it a little bit. First name Michael Galahad. Can you confirm your street address?

utterance: Two thousand Millennium Boulevard, Newark, New Jersey, two, one, zero, two, two.

utterance: Got it and could you give me your social one more time?

utterance: Two, three, five, nine seven three five two two.

utterance: Got it. And would you happen to have your Driver's license handy?

utterance: Yes I do. It's two, seven, five, three, nine, two, and that is a New Jersey Driver's License.

utterance: Perfect and could you also confirm your email ?

utterance: Michael at Galahad dot com.

utterance: All right and what's the name of your business Mr. Galahad?

utterance: That would be Medical Supplies Incorporated.

utterance: Medical Supplies Incorporated. Are you the sole owner? OK. What's your establishment date?

utterance: Yes.

utterance: September seventh, two thousand ten.

utterance: Twenty ten and what are your gross annual sales?

utterance: A hundred thousand.

utterance: A hundred thousand. would you happen to have your tax ID?

utterance: Yeah. It's right here. It is five, two, two, six, two.

utterance: Perfect and where is that business located Sir?

utterance: That is eight, two, two, North Largemont Boulevard, New Jersey, two, one, five, five, six.

utterance: Got it and do you have a separate mailing address?

utterance: I. That would be either my personal address would be two thousand Millennium Boulevard or the business address eight, two, two, North Largemont Boulevard. One of those Let's do eight, two, two, North Largemont Boulevard for any additional mail that needs to be sent to me.

utterance: Got it and what type of collateral are we using today?

utterance: I will put my boat up for collateral.

utterance: Your boat and your boat is worth roughly how much?

utterance: It's worth about sixty thousand.

utterance: Sixty thousand and what's the purpose of this loan?

utterance: It's to to to build a new storefront.

utterance: To build a new storefront. OK. So going off the worth of your boat you're looking to get a loan for about sixty thousand?

utterance: Yes.

utterance: Perfect. OK and for repayment of the loan are you looking for twelve months? Twenty-four? Thirty-six months?

utterance: Twelve months is fine.

utterance: OK twelve months. Give me one second. Let me run this. OK. Great looks like you've been approved.

utterance: Fantastic.

utterance: OK. Do you have any questions for me?

utterance: No I think that that answers everything.

utterance: All right well I'll be sending out an an email with the confirmation number of this. and any. And it'll. It'll detail everything that I've discussed with you today. So if you have any questions. If they're not answered in that email feel free to call us back.

utterance: Awesome. Thank you.

utterance: Well thank you so much Mr. Galahad, you enjoy the rest of your day.

utterance: Thanks.


utterance: Hi. Thank you for calling Intellibank. I am your customer service representative and I hope to take care of all of your needs today. How can I help you?

utterance: hi. I I'd like to apply for a loan. A business loan.

utterance: All right. We have several business loans that I'm sure fit your needs. Let's go ahead and open up your account and take a look at things. To in order to do so, I'll need some information to verify your identity. Let's start with the first name and last name.

utterance: Cool. name is Max Seager.

utterance: Great. And how do you spell Seager?

utterance: S E A G E R.

utterance: Fantastic. And what is your address, Mr. Seager?

utterance: OK, my address is one one two four Chavez Road Los Angeles California nine zero zero four eight.

utterance: Great. And what's your Social Security number?

utterance: it's three six one oh five nine two six five.

utterance: Great. And your driver's license?

utterance: D five eight two nine nine one nine California.

utterance: Fantastic. And what's the PIN number for your account?

utterance: It's eight five one zero.

utterance: And the email on your account?

utterance: It's gonna be just Max Seager eighty at Gmail dot com.

utterance: Great. I'm just putting this information in. All right. I'm gonna need to know a bit more about your business. What is your business name?

utterance: Wine Is Great.

utterance: Fantastic. Love that name. And are you the sole owner?

utterance: I am.

utterance: Great. And what is your business establishment date?

utterance: It was May two thousand and fourteen. May second two thousand fourteen.

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

utterance: Right now, it's about two hundred and ten thousand dollars.

utterance: Two hundred and ten thousand dollars. That's great. OK. Putting in this information. What is your tax ID number?

utterance: OK, lemme look for it here. OK, here it is. Three three four zero six seven.

utterance: Great. And what's the business street address?

utterance: Business street is seventeen seventy-five West Olive Avenue in Burbank California nine five six one two.

utterance: And would you like that to be used as your mailing address as well?

utterance: Yes.

utterance: Fantastic. I'll go ahead and copy that information over. All right. Now that we're at the small business loan application, I'd like to know the purpose of the loan.

utterance: yeah, I just need to. I've been. I really like red wine but I'm gonna start to venture out and do some white wines as well so I I'm essentially doubling my inventory. So I need to I need some capital to help with that. might have to change the name too. But I I kinda just like Wine Is Good but I'm known for red wine. But but yeah, I just need to get more need to get some white wine in there.

utterance: Absolutely. And I think we can help you with this loan. Now how much do you think you'll need in this loan in order to achieve your dream?

utterance: It's just a hundred thousand.

utterance: A hundred thousand. A cool hundred thousand.

utterance: Cool hundred.

utterance: Thousand. Yeah.

utterance: Very good. All right. That seems like a decent amount. What would be the down payment percentage you'd like to put on that?

utterance: I can do twenty percent I think. Is that the max I can do?

utterance: That is the max you can do. So that would be twenty thousand dollars that you'll put down and you will get this loan of a hundred thousand dollars. and there is a an interest fee of two percent. Is that OK?

utterance: Yes.

utterance: OK. So I'm gonna go ahead and put the application through. And pending the pending your verification. It will take about a week or so and you'll get you'll get a letter in the mail confirming and you'll also get an email confirming that the loan has been approved. but before we do that, we will need you to send in some some additional documentation to verify some of the information you gave me just now. so please look out for that email and you can upload that stuff online which is very easy to use. is there anything else I can help you with today?

utterance: Mhm.

utterance: No. I think you were very helpful. I think that that about that about covers it.

utterance: That's great. I appreciate that. And again, if you wanna do any of this online we have a great online platform where you can update your information and apply for credit cards or loans online. is there anything else I can help you with?

utterance: That's it.

utterance: All right. Thank you very much and we appreciate your loyalty.

utterance: Thank you.

utterance: Thank you.


utterance: good evening, this is Derek at Intellibank, how may I help you?

utterance: Hi Derek I wanted to I wanted to schedule a payment coming out of my account.

utterance: OK, you want to schedule a payment?

utterance: All right, yeah, I can actually do that for you. now before that happens may I have your credit card number?

utterance: Yes of course just one moment, I don't have my card on me. Let me go run and get that.

utterance: OK yeah.

utterance: OK sorry it's actually not in my wallet my kid plays in my purse all the time. I'm sorry just one second.

utterance: OK yeah.

utterance: OK sorry about that. I do have my credit card now.

utterance: Beautiful.

utterance: OK, are you ready?

utterance: Yes.

utterance: OK that number's gonna be five six.

utterance: Five six.

utterance: Two six.

utterance: Two six.

utterance: Three nine.

utterance: Three nine.

utterance: Eight eight.

utterance: Eight eight.

utterance: Seven eight.

utterance: Seven eight.

utterance: Six nine.

utterance: Six nine.

utterance: Three two.

utterance: Three two.

utterance: Two four.

utterance: Two four.

utterance: OK. Beautiful.

utterance: All right and now before I can proceed I need to get a little bit of information for the security.

utterance: OK.

utterance: So, I would like to have your full name and date of birth please.

utterance: OK that's going to be Veronica White. And the Whyte is spelled W H Y T E.

utterance: W H Y T E, and Veronica is V E R O N I K A? Or C A?

utterance: it's C A.

utterance: C A. Got it.

utterance: And date of birth is April tenth.

utterance: Mhm.

utterance: Nineteen ninety-six.

utterance: April tenth nineteen ninety-six.

utterance: OK.

utterance: Now as the last question, what's is the name of your first pet?

utterance: oh should say Bowser?

utterance: Bowser?

utterance: Yes but with a Z.

utterance: Is it is that like Bowser like of Mario?

utterance: Yes I was a big Mario fan growing up.

utterance: Wow, great.

utterance: OK but with a Z, so B O W Z E R.

utterance: Yes.

utterance: Perfect. OK, well now you said you wanted to speak about your credit card payment?

utterance: Yes I wanted to find out if I could schedule an a payment for two weeks from now?

utterance: For two weeks from now?

utterance: OK.

utterance: And how much would you like that to go for?

utterance: I actually am not sure can you tell me what my current balance is?

utterance: yes I can absolutely do that. OK it looks like you are at seventeen hundred and twenty-two dollars and eleven cents.

utterance: OK that eleven cents interesting

utterance: Yeah.

utterance: So let me see. Can I make a payment, yeah let's do two weeks from now so maybe like let's see like November, November twentieth?

utterance: November yeah November twentieth. OK and how much would you like to do this for?

utterance: Can we do that?

utterance: let's do two fifty.

utterance: Two fifty.

utterance: OK. With eleven cents?

utterance: Because the eleven cents was such a problem to you?

utterance: yeah go ahead two fifty and eleven cents.

utterance: OK. Two.

utterance: Got it, two fifty and eleven cents.

utterance: OK great and so if I want to keep making these payments, do I have to call in every time?

utterance: No we can set up a recurring payment online if if that's what you want to do. I don't know if you'd want to do two hundred fifty dollars and eleven cents? For each recurring payment, or if you'd rather it be a a standardized number.

utterance: OK so after the two fifty and eleven cents, two weeks after that can we just start at two fifty?

utterance: Yeah. Yeah, absolutely.

utterance: And then that could just be the.

utterance: So.

utterance: Recurring.

utterance: So the twenty-eighth you want it for.

utterance: the the twentieth.

utterance: Oh the twentieth? The twentieth, yes. The twentieth you want it for two hundred fifty and eleven cents.

utterance: Yes.

utterance: And then for two weeks after that you want and every two weeks after that you want to have two hundred and fifty dollars. Is that correct? OK.

utterance: Right yeah yeah.

utterance: Yeah, we can absolutely do that.

utterance: All right.

utterance: OK great. And can I get a receipt emailed to me once the money does come out of my account, just for my records?

utterance: Yeah.

utterance: And the email is green monster twenty-five at Yahoo.

utterance: Yes.

utterance: OK.

utterance: Yup.

utterance: My son actually chose that email address.

utterance: Oh oh that's great. No I've, I've got a couple little ones myself, so I get ya.

utterance: All right well, is there anything else I can do for you today?

utterance: No I think that's it, you've been really helpful.

utterance: Oh well, thank you very much and in that sense I guess we'll we'll say goodbye here.

utterance: OK thank you so much.

utterance: Have yourself a good one.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Yes. So I'm needing to do a wire transfer for an invoice on my business account.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So you're wanting to pay an invoice with a wire transfer. Is that correct?

utterance: Yes all from my business account please.

utterance: OK. So the account you're wanting to transfer from so is that a savings or a checking business account?

utterance: It's a checking account please.

utterance: All right Jill. Let me check on this for you. What is your business account number?

utterance: Can you hold on just a second and just grab my check book so I can find that. Give me one second. it's in this stuff right here. Oh it's three four six zero two nine nine eight.

utterance: Thank you Jill. Can I also get your date of birth?

utterance: Yes so that's March second of nineteen eighty.

utterance: All right Jill and it looks like your account has a four digit pin number on it for security purposes. Can you tell me what that pin number is?

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

utterance: All right Jill. What is the name of your business?

utterance: It's Burgundy Bo's Bar.

utterance: All right. Thank you. I have your account up and what is the name of the business that we'll be transferring these funds to?

utterance: So that's Jackson Wine and Spirits.

utterance: All right and what is the bank that we are transferring those to?

utterance: So they bank at Bank of the West.

utterance: OK. Do you have a reading number for that bank by any chance.

utterance: Yeah gimme just a second. I have a piece of paper with everything on it. Yes OK. So their routing number is zero zero zero nine eight two seven three eight.

utterance: All right. Thank you for that. Can I also get a business account number for that that business?

utterance: Yeah so that number is four nine eight seven two zero zero four seven.

utterance: OK and do you know is there is a checking or a savings account for their business?

utterance: Yeah it's their checking business account. I. I. From what I understand. this is going to go through like a regular banking transfer thing though right? Like an outside banking transfer? Is that what it's called?

utterance: Yeah. So Jill since we are making this transfer to an external account it will be processed as a as a wire transfer like we discussed before and those are called wire transfers. and that's the the official name for that.

utterance: OK. I'm sorry I couldn't think of what the word was I was thinking of. That's great. I just wanted to make sure that it was going to be it was going to be one of those type of transfers since they don't have the same bank as I do.

utterance: Yep. That's. That's fine. Give me just a moment OK? I'm gonna get this money transferred. OK. Real quick Jill can you give me that four digit passcode for security purposes again? Just to verify.

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

utterance: OK. All right. So I'm getting the money transferred over for you now. All right. Did Did you want a receipt emailed to you for that. That payment?

utterance: Yes. So can I get it sent to the business account please?

utterance: Yeah. I can do that for you. What is the email for the business account?

utterance: So it's Burgundy Bo's Bar at Bars dot com. So that's Burgundy Bo's Bar at Bars dot com.

utterance: OK. All right Jill. So I'm gonna get the receipt emailed to you. I'm getting that money transferred over to you. Was there anything that you wanted me to put in the note section of this transfer? like a invoice number? just a short little message. basically once. If they have any kind of online banking once that transfer goes through or if they print a receipt. When they get that receipt from their transfer on their end. It'll have that little note on the bottom of it.

utterance: Can we put an invoice number on there then? That'd be great?

utterance: OK yeah sure. What's your invoice number?

utterance: So it's one five seven three two is the invoice number and it's again from Burgundy Bo's Bar.

utterance: OK and did you want anything else in there like a message or anything?

utterance: You can just put thank you for everything, Jill, in there. If that's OK.

utterance: Yeah. That's fine. So thank you for everything and then Jill. OK. I'll actually email you a receipt for that copy of sorry a copy of that receipt that they're gonna get as well too just so you have it for your records. OK. And just also till too Jill in the future if you want to make a if you have an online access to online banking you can actually do transfers the wire transfers via your online banking account as well. There is actually a. A selection at the top of your account that will tell you if you want to transfer funds and then it just asks for the same information that I asked from you today. The. The business account number, the routing number, their bank information, and then you can transfer that money to your online account as well. But. Any. Or just give us a call back we'll we're more than welcome to do that for you at any time. over the phone. So either way but. But if you do have access to that and you ever wanna do another transfer that. That you do have that availability on your online banking.

utterance: OK. The. I never knew that. Thank you so much. I appreciate it.

utterance: No problem at all Jill. So I have that transferred. I had the receipt sent to you. Was there anything else that I could do for you today?

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

utterance: Not a problem at all Jill. Thank you for choosing Intellibank and you enjoy your day.