utterance: Good afternoon. Intellibank business and commercial banking division. This is Amber, how can I help you?

utterance: Yeah, hey Amber, this is John Rivers at Three Rivers Pug.

utterance: Hello John, what can I help you with today?

utterance: Well, business hasn't been so great lately and unfortunately I might be packing up and heading north and riding off into the sunset.

utterance: Oh, I'm sorry to hear that. That's unfortunate.

utterance: Yeah, I need to look into my wealth management account.

utterance: OK. Yeah I can definitely help you with that. Just need to get some information here from you.

utterance: Yeah not a problem. that's John Rivers. my PIN is fifteen ninety-five and that account is zero two two one seven three.

utterance: OK, and can I please get the date of birth?

utterance: That's one eighteen of eighty seven.

utterance: OK.

utterance: I'm showing here with this account number, it is not tied to a wealth management account, but it is tied to a smart savings account.

utterance: Oh well let me put you on hold. I think I gave you the wrong account.

utterance: OK, yeah.

utterance: Oh OK, that account was actually thirty-one seventy-nine fifty-nine.

utterance: OK. So this is the wealth management account number.

utterance: oh, I'm sorry. I meant to say that this is my preferred checking.

utterance: This was your preferred checking account.

utterance: Yeah sorry.

utterance: OK.

utterance: That makes a little more sense. I was just a bit confused here with all the account numbers floating around. yes. So that number is tied to your preferred checking account.

utterance: Yes, that's correct.

utterance: OK, and were you needing to check your balance?

utterance: Yes, how much is in there?

utterance: So your preferred checking is showing a balance of twenty-eight thousand three hundred twenty-two dollars and eighty-nine cents.

utterance: Well that might be just enough to get me. The creditors off my back. well, what happens if I pull all that money out and then transfer it to another account? Is there any penalty fees or anything or maintenance fees?

utterance: No. So if you're looking and wanting to close that preferred checking that is not a problem. it looks like you still have your smart savings account.

utterance: if you're wanting to just transfer that checking amount into the savings account that's perfectly fine.

utterance: There is no penalty or anything for doing that and closing your checking.

utterance: yeah. How about we do that?

utterance: OK, and can I just just to document here. What is the specific reason you're you're wanting to close your preferred checking?

utterance: Oh well it's rather embarrassing, but it turns out POGs are not as popular as they were nowadays.

utterance: I understand. That was decades ago.

utterance: Well, you know, I thought it would be one of those retro trends.

utterance: I'm sorry, that didn't pan out very well for you and you're wanting again just to reiterate, you're wanting to close your preferred checking and transfer that remaining balance into your total saving.

utterance: I'm sorry your smart savings.

utterance: Yes, that's correct.

utterance: OK.

utterance: Now once I do this your checking will be immediately deactivated.

utterance: Your credit cards will not work for this account. any sort of transactions that you have set up for automatic payment, they will be denied. You could incur fees from that aspect of things.

utterance: yeah, that'd be fine.

utterance: OK. Just give me one moment here while I close the account and make the transfer.

utterance: OK. The account is now closed. That is an immediate thing as well as the transfer has been made as well.

utterance: All right, that sounds great. Thank you.

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

utterance: No, you've been great.

utterance: OK, then you have a good rest of the day and I hope things start to look up for you.

utterance: They will.

utterance: Bye bye.


speaker_role: Agent

utterance: Thank you for calling Intellibank. This is Steven. How can I assist you today?

speaker_role: Customer

utterance: yes. My accountant is on vacation and I need to set up an automatic loan payment.

utterance: OK. I can certainly assist with that if you'll give me just a second so I can get some information from you. Can I have your name please?

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

utterance: Thank you. And your date of birth Mr. Thomas?

utterance: May twelfth, nineteen sixty.

utterance: Great. And your security PIN number?

utterance: One zero six two.

utterance: Thank you. And then can I have you confirm your email address for me?

utterance: OK. I recently got a new email address and I don't know if you have that one on file or not but I will give you both of them.

utterance: All right, whenever you're ready.

utterance: my old one is Thomas Customs at Gmail dot com. And my new one is Thomas Cabinets at Gmail dot com.

utterance: All right, yes. I see the Thomas Cabinets at Gmail dot com is the one we have on file for you.

utterance: OK. That's great. That's my new one.

utterance: OK. Great. And all right and thank you for that information. And then can I have the account number for the loan that you'll be setting up the automatic payment for today?

utterance: OK. Hang on a second. Let me get it.

utterance: No problem sir. Do take your time.

utterance: OK, I found it.

utterance: All right sir, whenever you're ready if you'll just give me that loan number.

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

utterance: OK, and to verify that's seven three zero six nine five six eight two nine. Is that correct?

utterance: That's correct.

utterance: Great. And how much would you like the automatic payment to be each month?

utterance: the minimum payment.

utterance: OK. So just whatever the minimum payment is of that month you would like that to be the amount paid.

utterance: Yes.

utterance: All right. I can certainly do that. And what date would you like this to be processed on?

utterance: The tenth.

utterance: All right sir, and is that the tenth of each month?

utterance: Yes.

utterance: All right, great. And then I'll just need the account number for the account you'll be making the payment from.

utterance: OK, this would be from a Business Total Checking account. And the account number is two zero nine zero two one eight four two zero.

utterance: All right, let me read that back to you. That's two zero nine zero two one eight four two zero.

utterance: Yes, that's right.

utterance: Great. And the last thing I will need is the routing number for that account.

utterance: OK. The routing number is one seven zero five five four nine two one.

utterance: OK. That's one seven zero five five four nine two .

utterance: That's correct.

utterance: All right sir, so I've got that set up and you will begin seeing these on the fifteenth of the month. And the minimum payment will be auto-drafted from the bank account that you gave me. And this payment will continue recurring until you either let us know to stop this payment or change the amount or until the balance of your loan is paid off.

utterance: All right, that sounds fantastic. can you tell me what other services that you offer?

utterance: Yes sir. We offer three tiers of corporate credit cards. we have our checking accounts, a smart savings account, our wealth management investment account, a variety of different types of loans. And then we also have a number of specialists on staff to help with any business financial needs, such as investment specialists, tax specialists, risk management specialists, financial advisors, and then we also have notary publics on staff.

utterance: OK, and if I wanted to make an appointment with one of the specialists how would I go about doing that?

utterance: Yes sir, you can make an appointment by either calling us here and one of our agents can help you get that appointment set up. Or if you have online banking with us. You can go through the online banking portal and set that appointment up through there as well. And those appointments can be conducted either online or in person.

utterance: All right, that sounds great.

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

utterance: I don't think so.

utterance: All right, well thank you for choosing Intellibank and you have a fantastic afternoon.

utterance: All right, thank you.

utterance: Thank you. Goodbye.


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

utterance: yes, I have a business, and I'd like to apply for a credit card.

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 Ms. Baker?

utterance: You can call me Jill.

utterance: All right, Jill. So you were wanting to apply for a corporate credit card for your business, is that correct?

utterance: Yes, that's right. I really hate credit cards, but I think we need to get something, just in case of an emergency. I'm trying to build up credit for the business, you know. Just, I just have always hated credit cards, really.

utterance: I can totally understand that, Jill. are you currently a customer with Intellibank?

utterance: Yes, I am. can you tell me what the interest rates are on your cards?

utterance: Yeah, I can. So, the interest rates on our cards do vary. they go from about nine point two percent to twenty-one point three percent. So we consider a variety of factors before we determine the interest rates on those cards, and so I can't really tell you up front what that is. It would be something that we kinda come across once we did an application.

utterance: OK, thank you.

utterance: OK, so do you want me to go ahead and try to process for a credit card?

utterance: Yes, if we could, that'd be great.

utterance: OK, Jill, so what is your account number?

utterance: It's three four six, zero two, nine nine eight. and then my FEIN number for the business, that's seven three eight, two eight, two nine zero zero.

utterance: Thank you, Jill. I I don't need your FEIN number right now at this time, but let me get that account number. And can you tell me what the name of the business is?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

utterance: OK 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. It's zero zero nine five.

utterance: All right, Jill. And what city and state are you in?

utterance: I'm in Parkville, Missouri.

utterance: And what is your street address there?

utterance: My address is three five three nine Hutton road.

utterance: OK. And your ZIP code?

utterance: Seven three eight two zero.

utterance: Jill, can I get your social security number for you too?

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

utterance: Jill, do you have a driver's license by any chance, and if so, could I get that driver's license number?

utterance: Yes, my driver's license is M as in Mary, nine three seven, zero zero, two, zero zero.

utterance: And is that a Missouri driver's license?

utterance: No, no. It's, it's Kansas.

utterance: Okay. And Jill, can you tell me, are you the only owner of the business?

utterance: Yes, I'm the only owner. It's actually an LLC, but but I'm the only one on it.

utterance: OK. And when did your business opened?

utterance: It opened in August of two thousand fifteen.

utterance: Do you have like a specific day in August that it opened?

utterance: I'm not a hundred percent sure. I think it was the third.

utterance: OK, so August third of two thousand fifteen. Jill, what is your business gross annually? Do you happen to know that information?

utterance: So I think last year we made like five hundred and eighty-five thousand I think. I think that was about what it was.

utterance: OK, Jill. What is your tax ID number?

utterance: my number's seven three eight eight two nine zero.

utterance: All right. Jill, I just want to confirm real quick. So is the business name Johnson Control or Johnson Controls with an S?

utterance: it's Controls, with an S.

utterance: OK, and what is the address of the business?

utterance: So the business is eight three seven two and that's Hillshire Way in Kansas City, Missouri. I think it's eight three six seven two, if I'm right.

utterance: OK, thank you for that. Jill do you have an email I could get for you?

utterance: Yes it's J Baker as in Jill, Jill Baker, at Johnson Controls dot com.

utterance: OK. And Jill, where do you receive your mail? Is that at the business address or the home address?

utterance: I pretty much get everything at the, the business address. You can just send it there.

utterance: All right. So Jill, you were wanting to apply for a corporate credit card for the business, is that correct?

utterance: Yes, that's right.

utterance: All right, Jill, so credit line balances are determined, are determined by a business analysis based on the information that you provide. But is there a specific credit, line of credit that you're hoping to get today? Like a specific amount you're hoping to get for a credit line?

utterance: I mean I'd like to at least get ten thousand if I could. that way we can use it for business expenses and then just pay off the card to build up our credit.

utterance: OK. So if you are approved for a card then you will have a delegate, no you can add delegates to the account to have that, to have access to that card. Was there someone specifically you might want to add for that?

utterance: probably just be me and my secretary.

utterance: OK, so you'd be needing two cards then or just one?

utterance: yes I, I'll probably get two.

utterance: All right, Jill. OK so, Jill, I think that's everything. I'm not gonna go ahead and add any of that delegate information until we get you approved, OK? but I think that's everything for now. Give me just a few moments, I'm gonna go ahead and run this through to see if I can get a preapproval for you, OK?

utterance: That's fine. do you know how long it will take?

utterance: it shouldn't take very long. if you give it just a little bit we should just have it here in just a few seconds, OK?

utterance: OK, thank you. We just moved locations, so we're closed today, so it's not a big hurry.

utterance: OK, no problem at all. That's great, where, where did you guys move to?

utterance: we're in the Summit Hill District now. it's a much larger store and just it's a really busy shopping district so you know there's, it's been good for us and our business. have you been there?

utterance: have I been to the Summit H, Hill District? I, I have been there several times, but I don't think I've ever done any shopping there. I, I know I went to eat lunch there before.

utterance: Do you like sushi? There's a little place there called Lusal, it's like the best sushi ever.

utterance: I do love sushi. I have not been there, but I'm gonna have to check that out.

utterance: I would highly recommend it, you won't be disappointed. They have like, the best sushi in all of Kansas City.

utterance: Well, I do love sushi, so I will go ahead and mark that down that I'm gonna go and check that out sometime there. And you said it was Lusal?

utterance: Yes, I think it's L U S A L.

utterance: Let me write that down. All right, Jill, I'm gonna check that out. I I actually got while we were waiting here, I actually got the pre-approval for you. And you got that gold card. it's the gold corporate credit card. You're approved for a fifteen K credit limit, and it looks like your interest rate approval was at thirteen point four percent. So what I'm gonna do is, I'm gonna email you some disclosures to sign for that credit card, and then I will get you those two new gold cards mailed out to you. Did you want those sent to your home or your, or your business address?

utterance: so will the disclosures I'm sorry, the disclosures, will those get emailed, or will they get mailed?

utterance: so I will actually email you the disclosures, and then we'll mail out the two credit cards for for that account to you. what address did you want those cards mailed to?

utterance: you can just mail them to the business address, that's fine.

utterance: All right, Jill. So, I'm gonna email you over these disclosures and get these cards set to be mailed. As soon as you sign those disclosures and get those sent back to us, those cards will be mailed out to you. Was there anything else I could do for you today?

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

utterance: No problem at all, thank you for choosing Intellibank. You have a great day.


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

utterance: Yes. Hey Jerry. I wanna apply for an SBA five oh four loan.

utterance: Sure. I'll be happy to help you with that. And if I can ask, do you have an account with us, ma'am?

utterance: I do have one.

utterance: And if what is your first and last name?

utterance: Evelyn Richards.

utterance: And, Miss Richards, what is the name of your business?

utterance: Jones Bed and Bath.

utterance: Thank you for that. And Miss Richards, I'm gonna ask you a few questions in order to verify your account. first of all, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And what is your phone number?

utterance: Six seven eight three six one eight zero three one. You know, I'm telling you, I wish that Hank Aaron would have still been alive to see the Braves get this fantastic World Series. I I really do wish that could have happened.

utterance: Yes. I mean, Hank Aaron certainly is an American icon. A terrific baseball player, and I know he was a a long time Brave, and of course the Brave's just won their World Series. So, congratulations to all of the Brave's fans, and you're right Hank Aaron certainly was a big part of that organization.

utterance: I absolutely one hundred percent agree with you on that.

utterance: Yes, ma'am. Yes, ma'am. And if I could just ask, what is your account number?

utterance: Nine eight four six five nine one.

utterance: And what is the PIN number for your account?

utterance: One zero one seven.

utterance: Thank you for that, ma'am. And, I'm understanding that you mentioned you wanted to go ahead and apply for the SBA five oh four loan?

utterance: I sure would.

utterance: OK. And is there any particular purpose for the loan that you're applying for?

utterance: Yes. It's for refinance.

utterance: OK. OK. Well, let's see here. If you could just let me know, I'm going to ask you a few several questions here in order to take your application here over the phone for the SBA five oh four loan, and the first question here will be what is your personal address?

utterance: OK. It is three six eight eight Avendale Court, Smyrner, Georgia, three zero zero eight zero.

utterance: All right. And, Miss Richards, what is the business address for the account?

utterance: Ten seventy-five Layman's Court, Smyrner, Georgia, three zero zero zero two.

utterance: And, what is the mailing address?

utterance: It's the same, and that would be ten seventy-five Layman's Court, Smyrner, Georgia, three zero zero zero two.

utterance: And, what is the social security number for yourself?

utterance: Two thirty-five zero six eighty-two sixty-eight.

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

utterance: Zero nine seven five nine eight twenty-two.

utterance: And what state is your driver's license in?

utterance: Georgia.

utterance: And what is the business email address?

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

utterance: And what is your personal email address?

utterance: E dot Richards at mail dot net.

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

utterance: Proud to say that I am.

utterance: Oh, congratulations there, and when did the business start?

utterance: March the first of nineteen seventy-nine.

utterance: Wow, you've certainly been around for quite some time there with the business.

utterance: It has. I'm so thankful.

utterance: Congratulations on that. And what is the tax ID number?

utterance: Seven thirty-one six ninety-five eight twenty-two.

utterance: And, what is the amount of the loan that you'd like to apply for?

utterance: I would like to apply for a one million dollar loan.

utterance: And, how much of a down payment were you looking to put down percentage wise?

utterance: Ten percent.

utterance: And, what is the term of the loan that you're looking for?

utterance: I'd like to do a ten year.

utterance: All right. All right. And, Miss Richards, what is the gross annual sales for your business?

utterance: Sixteen million dollars.

utterance: All right. Terrific. Terrific. I believe I have everything that I need on my end here, Miss Richards, to begin your SBA five oh four loan application. What I'll do is go ahead and get this over to our business loan department and from there they will review the application and within approximately two to three business days they'll, of course, reach out to you and let you know what the next steps are.

utterance: All right. That would be great.

utterance: Well, Miss Richards, is there anything else I can assist you with?

utterance: Yes, I also would like to purchase some Tesla stock from my Wealth Management account.

utterance: Oh, terrific. Glad to assist you with that there, Miss Richards. if I could ask, what is your Wealth Management account number?

utterance: I do not have that.

utterance: Oh, well certainly regret that you don't have that information, because unfortunately I wouldn't be able to access that account because your Wealth Management account is in a separate database, and so we would need that account number in order to access access that database. what you can do, of course, is simply go online. Are you familiar with our online banking?

utterance: Yes.

utterance: Terrific. You can simply go online and, right there, access your account including your Wealth Management account, and then you can make the purchase of the Tesla stock, or any other activities that you would like to perform within your Wealth Management account.

utterance: All right. Well, I'm a little disappointed about that but I certainly appreciate it.

utterance: Not a problem at all. I regret that we were unable to, here on the phone, handle that portion but glad that we were able to, of course, take care of getting the beginning of your SBA five oh four loan started.

utterance: Yes. I am happy happy about that. And and I'm thankful for the information you gave me cuz that is very helpful.

utterance: Well, terrific. Glad to be of assistance. And is there anything else I can help you with?

utterance: No.

utterance: All right. Well, we certainly appreciate your giving us a call today and considering us as a potential funder for your SBA loan.

utterance: Thank you so much.

utterance: You have a great day.

utterance: You too. Bye bye.

utterance: Bye.


utterance: Hey there. My name is Plastic and who am I speaking with?

utterance: this is Tom.

utterance: Hey, Tom. Nice to meet you. And how can I help you out?

utterance: Nice to meet you.

utterance: well I'm in need of opening up a new savings account

utterance: OK.

utterance: OK. Great. Let's take a look. New savings account for you business. And is this gonna be a and this is gonna be a business savings account. Do you already have a business checking account open?

utterance: I do. Yes.

utterance: OK. Great. Let's see if we can pull up your checking account.

utterance: OK.

utterance: And could I get your last name please?

utterance: Phelps.

utterance: Phelps. OK. And can you confirm your mailing address with me please?

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

utterance: OK. Great. All right. And the last four of your social?

utterance: two zero two three.

utterance: Wonderful. And do you have a driver's license number for me?

utterance: I do. One zero zero three three three three.

utterance: OK. Great. And can you confirm your email address we have on file?

utterance: yeah. Park slope at Gmail dot com.

utterance: Park slope at Gmail. OK great. And then what's the name of your business?

utterance: it's Park Slope.

utterance: Park Slope. OK.

utterance: Can you hold on? I have another call.

utterance: No problem.

utterance: OK. Here I am.

utterance: Wonderful. And let's see. All right. Can you confirm your customer pin number with me one more time?

utterance: Three two three two.

utterance: OK great. All right. Well we can go ahead and set you up with a business savings account. couple different ways to approach it. You can either open an independent savings account not attached to your checking account or you can open a savings account that links with your checking account. Which one would you prefer?

utterance: Great.

utterance: I'll do the I'll link them all up.

utterance: Link them all up. All righty. We'll go ahead and do that. And would you like me to go ahead and transfer those funds from your checking to your savings account?

utterance: Is that the only way to waive the fee?

utterance: That is the only way to waive the fee. so if we transfer three hundred dollars from your checking account into your savings you'll be waiving that twelve dollar service fee.

utterance: OK. Sounds good.

utterance: All right. I'll go ahead and get that started for you. And can you confirm your bank account number with me please?

utterance: yeah. It's one zero zero three five seven.

utterance: OK great. And then your routing number?

utterance: two zero three two.

utterance: OK. And let's go ahead and set up some basic security questions for you.

utterance: Great.

utterance: What was the name of your first pet?

utterance: Rascal.

utterance: Rascal.

utterance: Uh-huh.

utterance: All righty. And what did you wanna be when you were six years old?

utterance: Oh a cocaine dealer.

utterance: Cocaine dealer. Yeah. Don't we all. All righty. And looks like we have you all set up and locked and loaded for some good privacy. OK. Do you have any questions about your new savings account with me?

utterance: Yeah.

utterance: yeah. Just is there thing missing? I feel like I'm signed up so quickly.

utterance: It's a pretty speedy convenient process for you. You can access your bank account information online and you can do some mobile banking. So you can make withdraws, deposits and transfer funds all online or on our mobile app and if you're using our mobile app you can even make payments on the go.

utterance: Well that all sounds really cool. all right. Well could you just send some more info to me through my email there that I've provided?

utterance: Sure thing. I'd be happy to send you a confirmation email and take your time to review that. If you have any questions after looking through it feel free to reach out to us. We'd be happy to assist you.

utterance: OK. Well thanks so much.

utterance: Of course. My pleasure.

utterance: Have a good day.

utterance: Bye.


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

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

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

utterance: I'm doing good. I'm doing yeah. I'm doing good. But yeah, it's a. It's been a long day already and it's only like one o'clock in the afternoon. I'm just like. Wow.

utterance: Yeah. I hear you.

utterance: Can can this day be over?

utterance: Oh. I'm sorry.

utterance: It's all right. You know. It's I guess it's it's all part of being a business owner. So to say. You know, you have good days. You have bad days. You have stressful days. You have easy days and this seems be a rollercoaster day.

utterance: That's too bad.

utterance: Mhm.

utterance: Mhm.

utterance: Mm.

utterance: Up and down. Up and down. And I'm gonna try to make things easier for myself. I have one of my long, long time managers of my staff has really been stepping up and I and I want to give them more responsibility.

utterance: Mhm.

utterance: to take on more things to kind of lighten my load a little cuz it's just been so much and especially you know. going through after the pandemic. You're hearing and seeing just horror stories of what's going on in all these different businesses and and the quality of work employees. It's just horrendous. So I truly have been blessed by this person So he's been with me and stuck with me for a long time. And I I and I I don't know if I. What I need to do to do this or it can even be done or if I need to start it from scratch. But, I'm guessing like I I'm wanting to be able to give them responsibility to do some spending on my account and you know, just the just things like that. Handling more of those things for me. is there a way I can do that. I don't know how to exactly go about this.

utterance: Yeah.

utterance: Mhm.

utterance: Oh.

utterance: Right.

utterance: OK.

utterance: Yeah. OK. So that, first of all, I love your story. That is so amazing. You know, it's so great when you know, an employer can appreciate a worker and really embrace that. That makes me so happy. Like, so joyful. that's great of you. So what you.

utterance: I've been blessed. Trust me.

utterance: Aww.

utterance: Well, what you can do is you can just add them to the account.

utterance: OK.

utterance: And then, this way you know, they can get their own card. If you need them to go purchase items or, you know, purchase anything for you does that sound about right? Maybe adding them to the account?

utterance: I I. At this point, I I think I'm guessing that's what I really want to do and need to do.

utterance: OK. All right. Perfect. So let's just start off with your first name and last name.

utterance: my name is Joel.

utterance: OK.

utterance: Hart. H A R T.

utterance: OK. Aww And you do have a lot of heart.

utterance: Oh. Thank you.

utterance: what's your date of birth?

utterance: November fifteenth. Nineteen eighty-three.

utterance: OK. And your PIN number?

utterance: fifteen eighty-three.

utterance: OK. And what about the account number?

utterance: Hang on one second here.

utterance: OK.

utterance: OK. My account number is zero eight.

utterance: OK.

utterance: Eight six one one seven zero nine.

utterance: All right. And what is the new user's name?

utterance: it's Joseph.

utterance: Mhm.

utterance: Simmons.

utterance: OK. And is that S I M M O N S? OK. All right. And what is the address?

utterance: Yes, it is.

utterance: their address is two fifty-six.

utterance: Mhm.

utterance: Williams. That's what it is. Yeah. I'm sorry. Williams Boulevard.

utterance: OK.

utterance: And that's in Nashville, Tennessee.

utterance: Mhm.

utterance: And it's three seven two one nine.

utterance: OK. And do you happen to have his Social?

utterance: I do.

utterance: OK. Perfect.

utterance: OK. It's one seven nine.

utterance: Mhm.

utterance: One one.

utterance: OK.

utterance: Two zero seven six.

utterance: OK. This might be a little bit weird and I don't know if you'll have it, but do you happen to have his drivers license number?

utterance: I absolutely do.

utterance: Oh. So you came prepared.

utterance: I am the boss. I am the boss. So I have it all.

utterance: Nice. Nice.

utterance: OK. Great.

utterance: All right his driver's license number is.

utterance: Mhm.

utterance: Six nine.

utterance: OK.

utterance: Two five two.

utterance: OK.

utterance: One seven nine.

utterance: OK.

utterance: And that is Tennessee.

utterance: Well, thank you. All right. And what's his date of birth?

utterance: his date of birth is one. Oh one.

utterance: Mhm.

utterance: Eighteen.

utterance: Mhm.

utterance: Eighty five.

utterance: Perfect. And what will be his new user PIN number?

utterance: eighteen seventy-five.

utterance: All right. All right. You know what. So let me get your email so I can send over a confirmation of all this. And then a link to. If you would like to set up online banking, you can add him to more things as time goes on. You can order his card that way. It'll be quicker if you order it through online.

utterance: OK.

utterance: So what is your email?

utterance: Joe Hart eighty three.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. And is that a lower case J or?

utterance: Capitol.

utterance: OK. All right. So I sent that over to you Mr. Hart. You're all set. Is there anything else I can help you with tonight?

utterance: No, that's everything.

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

utterance: Thank you.

utterance: Take care.

utterance: You too.


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

utterance: Yes I need to speak with a tax advisor.

utterance: OK do you have a business account already with us?

utterance: Yes I do.

utterance: OK let's look up your account information and then I can help you with that. Can I have your first and last name please?

utterance: Sure it's Tammy Couch.

utterance: OK and your date of birth.

utterance: Five nine sixty.

utterance: Thank you. And your social security number?

utterance: Two six nine six eight four three seven three.

utterance: Great. And I need your address please.

utterance: I think it's eighteen thirty-five Rice Fairborn, Ohio four five three two four.

utterance: Thank you. And your driver's license number.

utterance: Man. Hold on one second. OK I'm back.

utterance: Great. Go ahead with that.

utterance: R T two eight zero eight eight one.

utterance: Thank you and what state was that issued in please? OK great. Now I need your business phone number.

utterance: Ohio.

utterance: I'll give you the one on file but I do need to change it.

utterance: OK we can do that.

utterance: It is six one four two three four three three one one.

utterance: OK let me get your customer PIN number just to verify first and then we'll change your phone number.

utterance: Five seven zero seven seven one.

utterance: Thank you. All right and what would you like that business phone number to be listed as?

utterance: Just make something up. Just as the main number.

utterance: OK and what number would that be?

utterance: Six one four two three four two two one.

utterance: Two two one?

utterance: One.

utterance: Thank you. OK so six one four two three four two two one one is the new number.

utterance: Yes.

utterance: All right. Good and then I need your business mailing address please.

utterance: It is seventeen oh eight Montgomery Fairborn, Ohio four five three two four.

utterance: Great. Thank you. And you were calling about an advisor today. What type of advisor did you need help with?

utterance: A tax advisor.

utterance: OK I can get you an appointment with a tax advisor. Do you have any questions about what a tax advisor does?

utterance: Yes, what does the services?

utterance: OK so a tax advisor is in our offices are an accountant and they can help you with how to file your taxes, how to amend your taxes if something goes wrong, how to look for errors or corrections that may need to made on your business taxes. It just helps keep your business in line with tax regulations and laws so that you don't have any problems later.

utterance: OK.

utterance: Is that what you were looking for?

utterance: Yes.

utterance: OK great. So let me open the calendar and see what date I can get you in on.

utterance: OK. How's the weather out there?

utterance: Oh it's not bad. How are you?

utterance: Good. It's getting a little chilly.

utterance: That that stinks. I like it warm too. All right so it looks like I can get you in next Monday. How does that sound?

utterance: Sounds good.

utterance: OK. Would you like morning or afternoon?

utterance: Afternoon.

utterance: OK can you do three p.m.?

utterance: Yes.

utterance: Great and would you like an online visit or an in-person visit?

utterance: Online.

utterance: OK you'd rather do it online?

utterance: Yeah.

utterance: OK do you have our online account services set up?

utterance: Yes I do.

utterance: OK so what you would do is go in to online banking and you're gonna go to the advising tab at the top of the page or the advising app I'm sorry tab on the app.

utterance: OK.

utterance: And then you will be able to see your tax advisor appointment that I'm setting up for you. And when it's time for your appointment you'll go to that page and they'll be a button there that says start and you will click it and it will go ahead and bring up the advisor and you'll be able to speak with the advisor and see them on video. Does do you have a video webcam on your computer?

utterance: OK.

utterance: Yes I do.

utterance: OK great. So that sounds like it'll work for you. Normally we would give you the location you're going to but since it'll be online you'll be talking to someone at the the business at four five four four nine ZIP code.

utterance: OK.

utterance: Just so you know it'll it'll be a local advisor not someone far away from you.

utterance: All right now if I wanna switch it to in person do I just call back?

utterance: You can call back. You can also go on to the advising tab and click on the calendar and click on change it to an in person appointment under the method option.

utterance: OK.

utterance: And then that will let you change it but I will tell you you need to change it at least two days in advance.

utterance: OK.

utterance: Does that sound OK?

utterance: Yes.

utterance: OK or you can also call us back here and we can change it for you.

utterance: OK.

utterance: Are you OK?

utterance: Yeah I just have a little tickle.

utterance: OK.

utterance: So it looks like we got your phone number changed to an updated number and we your tax advisor appointment made. It will be online on Monday at three p.m.. How does that sound?

utterance: Sounds good.

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

utterance: Nope I think that's it.

utterance: All right well you have a good day. I hope you feel better.

utterance: Thank you.

utterance: Bye Bye.


utterance: Thank you for calling Intellibank. This is David, how may I help you today?

utterance: Wait is this bank teller savings and loan? Or is this teller bank? I'm sorry I didn't.

utterance: neither, this is Intellibank.

utterance: Oh Intellibank. OK. I just wanted to be positive on who I was calling cuz I had my hearing aid is a little a little wonky. .

utterance: Not an

utterance: Issue, it happens all the time. Multiple banks very similar names. We completely understand.

utterance: And do you guys offer a notary service there as part of my my account?

utterance: Yeah are you already an Intellibank customer?

utterance: Yes I am

utterance: Well we do offer notary assistance and we can actually set you up an appointment with a notary at one of our local branches. to do that I would need to pull up your account and to do that I would need to start by getting your full first and last name as it appears on your account.

utterance: All right first name is David. D A V I D. Last name is Klein. K L E I N.

utterance: All right Mr. Klein and what is your date of birth?

utterance: date of birth is two eighteen fifty-eight.

utterance: All right. and what is your six digit account number?

utterance: I actually have two account numbers here let's see. I'm not sure which one is for this particular account. let's try this one first. One seven two nine two four. if that's not it I have six two nine five seven eight.

utterance: All right. Looks like it is the number ending in seven eight.

utterance: OK perfect. So yeah the six two five nine seven eight.

utterance: And do you have the four digit security code for that account?

utterance: Oh I did not I wrote it down somewhere. It's probably I'd have to say it's probably in my desk drawer. do you mind if I put you on hold I can go grab that?

utterance: Not at all please take you time.

utterance: All right thank you. All right looks like I got that four digit code right here here two eight nine nine.

utterance: Great.

utterance: That is correct. We are into your account. and what is your ZIP ZIP code so we can find your closest branch?

utterance: it's gonna be one two nine six five.

utterance: All right we have a branch with a notary at twenty-eight thirty-nine West Street Does that work for you?

utterance: Yeah I think that would work for us what is the earliest appointment you have? we could do something maybe this coming Friday if that is available.

utterance: We can get you in this coming Friday. How's two p.m. this Friday sound?

utterance: Two p.m.'s great. we can go ahead and schedule that if you have that available.

utterance: Mm right let me just pop this in here and we have you down for an appointment with a notary for two thirty this Friday.

utterance: All right so we have two thirty this Friday with a notary and we'll give you a call back if anything should change and I appreciate your help today.

utterance: Anything else I can help you with?

utterance: That is it.

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

utterance: Thank you.

utterance: Bye.


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

utterance: Oh hello my name is Charlene and I would like to know about my current loan balance, because I wanted to make a big purchase and I don't know if I can afford it.

utterance: All right no problem, you would like to know your loan balance?

utterance: Yes for this payment period.

utterance: Yes absolutely I can go ahead and help you out with that, first I'm gonna gather some information from you. So first can I have your name and date of birth?

utterance: OK my name is Charlene and my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right, thank you for that.

utterance: And can I get your PIN number?

utterance: OK my PIN number is one nine six zero.

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

utterance: my account number is three six four five seven eight oh excuse me it's it's I'm making a I've made a couple of mistakes. Can I repeat that again?

utterance: Yes of course.

utterance: OK, it is three five four six six eight seven nine two four.

utterance: All right, thank you for that.

utterance: All right I'm currently checking your loan balance right now. It's going to take a couple of seconds to pull up.

utterance: All right, so I do see your current loan balance that's due for this payment period is two thousand and four hundred dollars.

utterance: Oh OK.

utterance: Yes, and is there anything else you would like to know?

utterance: how is the weather over there?

utterance: Oh the weather is so nice, thank you for asking. It's very warm and sunny where I live right now. How about with you?

utterance: yeah it's also warm over here, it's great for outdoor activities. I'm going out for hikes actually.

utterance: Yes absolutely, it's so good because where I live it's been raining for so long. So I love the warm weather lately.

utterance: Yeah and I was wondering who can I talk to about taxes, or making or or paying my taxes.

utterance: So yes we offer a tax specialist, so if you would like to talk to a tax specialist about your taxes. You're always welcome to make an appointment.

utterance: OK, and are there any charges?

utterance: For if if I talk to one or consult one.

utterance: so not for the initial consultation, but for appointments after that there will be a one hundred dollar charge.

utterance: OK so for the first appointment I won't be charged, but for the later appointments it will be a hundred dollars each.

utterance: Correct.

utterance: Oh OK.

utterance: Yes and did you want to know about online banking, so you could check your loan balances easier in the future?

utterance: Yeah I'd like to know about the services that I can access using the online banking.

utterance: Of course, so with online banking you can do almost everything that you do at a branch, such as making deposits or making transfers.

utterance: you can also check your account balance and check your transactions, your transaction history.

utterance: you can also update your personal information up there, like your your personal information and your business information. And you could also check your loan balances and make payments.

utterance: that's interesting, so I won't have to come by the branch or call customer care to check up on my balances?

utterance: Correct, you can do that all through the app.

utterance: OK and what about depositing?

utterance: So you can deposit cheques through the app, however for cash you will have to come in person to a branch or to an ATM.

utterance: OK so it's only through the app or can I also use the website to deposit a cheque?

utterance: So the website unfortunately you can't use it to deposit a cheque, that will only be through the app.

utterance: Oh OK. So the app has more features, unlike the website.

utterance: Correct, it will it will have more features in that case.

utterance: And are there any requirements for me to start using the app?

utterance: No there's no requirements.

utterance: As long as you have an account, you are good to go.

utterance: Oh OK that's nice. I'll be sure to download it later in the day and if I come across any problem I'll call you right back again.

utterance: All right, absolutely you may call us back.

utterance: OK, thank you.

utterance: Oh, you're welcome. Have a great day.

utterance: You too.


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

utterance: Hi there. I was just talking with my business partner today today about stock value and realized my stocks are not very diversified. So I am calling to see if I can change that by purchasing a few stock. a few stock with a market order.

utterance: Yes sir. You can certainly purchase stocks through us with a market order. I will first need to get a little bit of information from you so I can go ahead and process the payments through your account.

utterance: All right.

utterance: All right, sir. Can I get your first name please sir?

utterance: Yes, my first name is Gabriel.

utterance: All right, Gabriel. Is that G A B R I E L?

utterance: Yes.

utterance: Alright, sir. Can I have your last name please?

utterance: Last name Robinson.

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

utterance: Yes.

utterance: Alright Mr. Robinson. Thank you so much for that. Can I have your date of birth please?

utterance: Yes. My birthday is ten twenty-four ninety seventy-four.

utterance: All right. Ten twenty-four nineteen seventy-four. Thank you, sir and could you give me the PIN for that account?

utterance: Yes. The PIN for that account is four four nine five four nine.

utterance: All right. To verify that number was four four nine five four nine.

utterance: Yes.

utterance: All right, sir. Thank you so much for giving me that information. I'm gonna need the account number next so I could process your payments through that account.

utterance: OK. The account number is four zero nine five five two three one five seven.

utterance: OK so to verify. That number was four zero nine five five two three one five seven.

utterance: Yes.

utterance: All right sir. Thank you so much for that.

utterance: Give me just one moment while I look up your account information.

utterance: OK.

utterance: OK, sir. which stock would you like purchase today?

utterance: and can I get stock AAPL?

utterance: All right. You want to purchase some apple stock today?

utterance: Yes, please.

utterance: All right sir. Let me just look that up right quick. OK. It looks like AAPL is trading at one fifty one twenty-eight today. That's up zero point two percent since the close of business today and how many shares of that stock would you like to purchase sir?

utterance: let me think. Let me purchase. Let me go ahead and purchase five of those.

utterance: OK, sir. at one fifty one one fifty one point twenty-eight. That will have your payment as seven hundred and fifty-six dollars and forty cents sir.

utterance: All right.

utterance: OK. That will be processed through that account. So give me just one moment while I place your market order request in our system please.

utterance: no problem. Thank you for taking the time to place a order for me. so how has your day been going so far?

utterance: Oh actually it's been pretty good today sir. How's your day been?

utterance: so far so good. Just need to get this market thing going.

utterance: Oh yeah. It's. It's very trying to diversify stock. It seems like every time you go in select a few, a few more come out that you need to go ahead and evaluate.

utterance: Yes, I believe you.

utterance: All right sir. I've gone ahead and processed your payment. Your stock market order right now. That's gone through your account. That's an immediate withdrawal so you are now the proud owner. Owner of five shares of Apple Stock.

utterance: OK.

utterance: OK are there any more stocks you would like to purchase today sir?

utterance: Well, yes. While I got you here, I've been looking at this one that my friend told me about. called PFE. I believe.

utterance: Oh.

utterance: Oh yes, sir. That's the Pfizer stock. That has actually been pretty good and today. let me look that up. I believe I was looking at that earlier for a customer. Yes, it's right now it's trading at forty-three point seventeen. That's up eleven percent sir.

utterance: OK. OK.

utterance: OK. So how many shares of that stock would you like to purchase today?

utterance: I'm gonna purchase quite a bit of that one. Let me get twelve.

utterance: All right. OK, sir. Let me go ahead and process that order for you. it looks like at forty-three point seventeen. That stock is gonna bring you five eighteen point oh four.

utterance: OK. Sounds good. Sounds good.

utterance: OK. So I'm gonna go ahead.

utterance: And process that through the same account you provided me earlier, sir. Just give me one moment while I go ahead and handle that.

utterance: OK.

utterance: All right.

utterance: OK Mr. Robinson. Looks like that payment has gone through. I've gone ahead and purchased twelve shares of Pfizer stock for you. At five eighteen point oh four and sir of course this information is going to be available to you in your account. It's also gonna be sent out to you so you can know how many shares and how much of your valuation you actually have on those stock purchases. All right?

utterance: All right. Sounds great.

utterance: All right, sir. Is there anything else I can help you with today? Is there any more stock you'd like to purchase?

utterance: no. Not at this time, but thank you for your help.

utterance: All right, sir. Just to let you know, we do have online banking. If you want to go ahead and look at some more stock options in the future, you can always call us back and we'll. We'll be glad to go ahead and purchase more stock for you.

utterance: thank you for your time. Thank you.

utterance: All right.

utterance: Thank you so much, Mr. Robinson, for your time and patience again. My name was Giana and I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you sir. Bye bye.

utterance: Bye bye.


utterance: Hi this is Robin Forsythe at Intellibank, what can I do for you today?

utterance: Hi Robin I'm trying to get my quick liquidity range for my company as well as some quotes on stocks I believe that I mean I could do that online but it's kinda nice to talk to someone you know I spend all day in front of a computer and.

utterance: Of course, I completely understand, well I will be more than happy to help you out with both of those requests, can I start by getting your full name?

utterance: Sure it's Julie Crane.

utterance: OK.

utterance: Yeah and my birthday is December seven nineteen eighty-four. As you can see I go through this process a lot.

utterance: Yes completely understandable.

utterance: OK and you said December seventh nineteen eighty-four?

utterance: Mhm.

utterance: OK great I am gonna go ahead and pull up your account Julie can I start by getting the PIN number associated with it?

utterance: Of course it is one seven seven one.

utterance: One seven seven one. OK great.

utterance: And before we can proceed any further I do need to ask you a few security questions for the safety of your account.

utterance: Have at it.

utterance: OK. Can I get the last four digits of your social?

utterance: I guess so my social security number ends in five four five six.

utterance: Five four five six.

utterance: OK Julie.

utterance: What is

utterance: your social security number?

utterance: I'm not authorized to give that out right now but so you did answer a security question when you created your account so I'm gonna go ahead and ask that now.

utterance: So what high school did you go to?

utterance: I went to Preceda high school.

utterance: OK.

utterance: It was back in ninety-three.

utterance: Oh so not too long ago.

utterance: No.

utterance: OK so I was able to pull up your account so thank you for verifying that information for me. So you were looking to first get your QIP liquidity ratio correct?

utterance: Yes.

utterance: OK OK and that is for Julie's Hamburgers and Shakes right?

utterance: Yes the finest hamburgers on Melrose.

utterance: Amazing I'll be sure to check it out.

utterance: OK so it looks like right now your quick liquidity sorry quick liquidity ratio is at a three point five.

utterance: Wow! That's much higher than it was last year.

utterance: Yes congratulations.

utterance: OK so is there anything else that I can help you out with this before we move on to scheduling you I'm sorry with getting your stock quote?

utterance: no no I guess that we can move on to the stock quote yeah.

utterance: OK great so can I start by getting the stock code?

utterance: yeah sorry I don't actually own any stocks in my portfolio currently but I would be curious like what are the like hottest stocks?

utterance: OK so currently let me see let me see what we have.

utterance: OK so one of our highest ones right now is Tesla and they're experiencing a big boom because they're expanding so that one is at let me see that one is actually at five thousand.

utterance: Five thousand?

utterance: Yes.

utterance: Is there a specific another specific stock like a company that you were looking into that you wanted me to look up?

utterance: what are what are those other other companies that that man Elon owns?

utterance: hey hey friend?

utterance: Hey Friend?

utterance: Pay Friend.

utterance: Pay Friend OK let me look that up just one moment.

utterance: OK so that one is currently at two thousand.

utterance: Wow!

utterance: I hope to buy some of these stocks one day.

utterance: Yeah so you can also I don't know if you're aware of this you can go into your online account and purchase stocks through there.

utterance: well I'll have to check that out.

utterance: Yes. So is there anything else that I can help you out with today Julie while I'm still on the line?

utterance: no I guess not.

utterance: OK so if that's it, I think we are good to go. Did you need us to email your quick liquidity ratio to you or are you good to go?

utterance: No.

utterance: I just wanted someone to talk to.

utterance: OK well I'm glad that I could be your agent today and if there's nothing else you go on and you have a lovely day.

utterance: We look forward to working with you soon.


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

utterance: How you doing Jerry? I I I'd like to transfer some funds over to my to close my term loan.

utterance: OK I'll be happy to help you with that and I'll just need to know first of all, what's your first and last name?

utterance: Benjamin Freeman.

utterance: OK and Mr. Freeman, what is the name of the business on file?

utterance: Ray's construction.

utterance: OK thank you for that Mr. Freeman, and I'll ask you just a few questions for account security purposes. Because we do take your account security very seriously here at Intellibank, and it's for your protection. Is it all all right if I ask you a few questions?

utterance: Yes Sir, you can ask sure actually.

utterance: All right and if you would let me know what is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: All right and Mr. Freeman, what is your account number?

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

utterance: Thanks Mr. Freeman and what is your business address?

utterance: my business address is three six eight eight Layman Court, Smyrna Georgia three zero zero eight oh.

utterance: OK and Mr. Freeman what is your what is your PIN number?

utterance: My PIN number is is one seven zero nine.

utterance: All right thank you for that Mr. Freeman and let me see if I can get this pulled up for you and as I pull this up here how's everything going with you today?

utterance: Oh everything's just fine I'm I well look at them Braves you know, hey, win the world series.

utterance: Yeah I mean this is gonna be an exciting world series, two very good teams. the Astros are very good hitting team but you know the Braves have surprised a lot of folks when the beat the Dodgers.

utterance: Oh yeah they did. Once they got over that mental part of it they can beat them.

utterance: And they look like they followed your advice, they did they beat the world champion dodgers and you know. So they've got a very good shot again of winning maybe their second world championship.

utterance: It's possible, it's possible if they stay focused.

utterance: Yes sir, yes sir. Well I was able to pull up your account and you mentioned that you wanted to close your account because of a loan, is that correct?

utterance: Yeah I wanna close that that that term loan account just to just pay it all off.

utterance: OK, and Mr. Freeman, are you aware of what the balance is on that term loan?

utterance: I'm not sure what the balance of that term loan it'd take to get me out of that.

utterance: OK yes. your remaining balance on the term loan appears to be at around twenty thousand dollars.

utterance: OK that'd be fine really easily pay it off.

utterance: OK and yes sir in your total business total checking account it appears you have a a balance available of around a hundred and seventy-five thousand.

utterance: Oh, that sounds about right.

utterance: All right and if you would let me know what is the account number for your loan?

utterance: for the the account number for my loan is nine eight four six five nine one nine and the account number for my term loan which we gonna close is six nine five eight seven nine eight nine.

utterance: So so just that I'm clear, your first number that you gave me, that is your business total checking account number correct?

utterance: Yes, yes that's that that that that nine eight four six five nine one nine that's the checking that we're gonna transfer and close out.

utterance: This term loan number is is six nine five eight seven nine eight nine.

utterance: All right and let me see if I can get this processed here for you and Mr. Freeman I was able to transfer twenty thousand dollars from your business total checking account over to your term loan to pay that particular loan off, and that will leave you with a remaining existing balance of a hundred and fifty-five thousand.

utterance: Oh that'd be fine, that'd be just fine.

utterance: That means I got that that means that I have a bill I don't have to pay so everything is just gonna grow.

utterance: Yes sir.

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

utterance: Oh that'll be all. I really appreciate everything your doing, thank you so much.

utterance: Thank you for giving us a call here at Intellibank Mr. Freeman, we certainly do appreciate you taking care of the loan in order to pay that off and of course we appreciate your continued business.

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

utterance: You as well.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hey there. Thank you for calling Intellibank. My name is Marley. And who am I speaking with?

utterance: Hi, Marley. This is Jessie.

utterance: Hey, Jessie. Nice to meet you.

utterance: Nice to meet you too.

utterance: Where can I get started today?

utterance: could you give me some details about opening a savings account?

utterance: Sure thing. We can definitely talk about opening a savings account. So you do have a checking account with us already. We can add a savings account to your account. We can link them, that way you can transfer funds to and from the accounts as you please. You can do it all online or on our mobile app. and if you would like to open a savings account on your own today, you could deposit three hundred dollars into that account. That would wave our twelve dollars service fee. or you can pay the twelve dollar service fee monthly and you can deposit any amount you would like.

utterance: OK, sounds good. Can I put you on hold real quick?

utterance: Yeah, of course, take your time.

utterance: OK, I'm back.

utterance: All right, Jessie. And how can I help you?

utterance: Well we I can't even remember where we left of. what were we talking about?

utterance: Sure, you were just requesting some additional information on opening a savings account. so were you still interested in opening that account today?

utterance: yes.

utterance: OK, great. and did you mention that you do have checking account open with us?

utterance: Yeah, I do.

utterance: OK. Would you like to link a savings account to that checking?

utterance: Yeah, please.

utterance: OK, sounds good. so what we can do. You have a couple different options. We could either deposit three hundred from your checking account into your new savings. I will wave the service fee for this month. as long as you always have a minimum of that three hundred, you'll never be charged that service fee.

utterance: OK.

utterance: or you can deposit any amount you'd like, you'll just have to to pay the twelve dollars service fee.

utterance: Well who wants to be charged the service fee.

utterance: That's what I'm saying. All right, so I'll just transfer the three hundred from your checking to your savings and you'll be all squared away.

utterance: very good I'm trying to think is there's anything else I need.

utterance: I don't believe so, just you know, be mindful of that savings account so that you don't go under that three hundred because you would be charged the twelve dollars service fee.

utterance: OK Do you know about the traveler's card?

utterance: Yeah we do have a traveler's card. you can accrue some sky miles. It can be used to purchase plane tickets. and as that accrues your interest rate will go down for your savings account.

utterance: Oh, OK. That's very good to know.

utterance: Absolutely.

utterance: And one more thing. Am I eligible for the platinum card?

utterance: Let me take a look here at your checking account. OK, looks like some of that checking account has been open for almost ten years now. You're definitely eligible for your platinum card. Would you like to apply for that today?

utterance: Thank you.

utterance: no. I Can I do it online?

utterance: Oh yeah, certainly you can do it online.

utterance: Well, I think I'll just go ahead and do it there then.

utterance: OK. Sounds good. If you have any questions while you while applying, feel free to give us a call.

utterance: OK, thank you so much and you're gonna email me about the checking, right?

utterance: Yes, I'll send you a confirmation email to the email you confirmed with me.

utterance: OK, that's so good. Thank you so much.

utterance: Of.

utterance: Course. My pleasure.

utterance: Mhm.


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

utterance: Yes Jerry. I wanna check the balance on my Silver Card.

utterance: I'll be glad to assist you with that ma'am. if I could just ask. who am I speaking with? What's your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, if I could ask, what's the name of the business that has an account with us on file?

utterance: Jones Bed and Bath.

utterance: Thanks Ms. Richards and I'm going to ask a few more questions here for account security purposes because here at Intellibank, we do take your account security very seriously and it is for your and your business' protection. Is that all right if I ask you a few questions to verify your account?

utterance: Yes.

utterance: All right. Thank you for that. And Ms. Richards, if I could ask, what is your business address?

utterance: One zero seven five Leyman's Court, Smyrna, Georgia, three zero zero zero two.

utterance: And let me see my. I want to just say this. I was out and about the other day and I I saw this man with a kid and the little mask he put on was so tiny. She was a tiny little girl herself. That was so cute. She had a bag on her arm and it was about as big as she was and I just thought that. That little mask was just tiny. And you know, I just thought. Obviously it was her father but I thought it was just darling.

utterance: Well, you know, kids can be cute at times, it's, you know. To go back to those days, it's it's always great seeing kids having fun, enjoying life and you know, getting all dressed up for Halloween or or whatever the the party was for.

utterance: I totally agree and I I know it was just to see it. You know, and she was a little tiny little something and that little tiny mask was But he was putting it on her, I'll just you know, she had this big bag on her arm as though and it was dragging, so it was just so cute so. I just wanted to say that.

utterance: Well it sounds like you really really got something out of that. I mean but again I can understand why. Kids are so adorable and and it's you know it's something to see.

utterance: It really is.

utterance: them dressed up in their mask and smiling and having fun you know. honestly, I don't think there's really anything better.

utterance: There really isn't.

utterance: and Ms. Richards just to continue. what is your date of birth?

utterance: It's eleven eleven eighty-four and my phone number is six seven eight three six one eight zero three one.

utterance: All right. Thank you for that Ms. Richards and let me ask just a couple more questions here. What is your credit card number?

utterance: It's four four seven nine Oh excuse me, it's four four seven zero six five three two seven four four six three nine two six.

utterance: OK, so that is four four seven zero six five three two seven four four six three nine two six. Is that correct Ms. Richards?

utterance: Yes, that's right.

utterance: And the last question here is what is your pin number Ms. Richards?

utterance: It's one zero seventy-one.

utterance: Terrific. Thank you for that Ms. Richards and yes Ms. Richards, it appears I was able to pull up your account and it appears that you have a business Silver Card with here us. And you mentioned you wanted to check your account balance. Is that correct?

utterance: Yes. That is correct.

utterance: All right and Ms. Richards it appears that your available account balance here appears to be forty-five thousand dollars.

utterance: OK.

utterance: And is there anything else I can be of assistance to you with?

utterance: No. No. Nothing else. I just needed to get that balance to make sure. I'm doing some different things, you know, making sure that I got the right money in place. So all of this helps when I'm doing you know, balancing and everything.

utterance: Absolutely. we want it to of course ensure you, Ms. Richards, our valuable customer, has the tools necessary for proper financial management. So clearly you can always give us a call here at the help line. But also we do offer tools online and are you aware at all of our online banking?

utterance: No.

utterance: OK. Well it's very simple Ms. Richards and I'll quickly share with you, with online banking you simply visit our website, have your account number accessible if you haven't already set up online banking. If you have, you of course can just enter in your username and password. If you have not set that up you can simply choose your own username and password, takes less than thirty seconds, and from there you'll be able to access your account right online, and we do offer tools as you mentioned earlier to address some of your concerns. so these tools allow for some financial planning and management. It shows you the percentage of your spending with various graphics. where you're spending it. what companies or businesses you are spending mostly with and also in addition to those financial management tools, clearly you obviously are able to pull up your account to check your account balance as you mentioned. called in here for. and update your account information as well.

utterance: OK. That's a lot that I could do. So thank you for letting me know all that.

utterance: Not a problem at all Ms. Richards. And again, is there anything else I can help you with?

utterance: No. Not today.

utterance: Terrific. Well, Ms. Richards, we certainly appreciate you giving us a call and you have a great day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


utterance: Hi. My name's Amy. Thank you for calling Intellibank. How can I help you today?

utterance: Hi. I need to close one of my business accounts, or and and I I I don't know what to do with the money that's in there. Like, I don't know if you should mail it to me, or mail me a check, or transfer it in bitcoin. I I I don't know. I've never closed a business account before, but I know there was money in there, and so I don't want to I don't want. I'm not like trying to donate it or anything. I need to close the account but not forfeit my hard-earned money that's in that account.

utterance: OK.

utterance: All right. first let me get your information. What is your first name?

utterance: my name is Steven.

utterance: Could you spell your name, Steven?

utterance: S T E V E N.

utterance: OK. What's your last name?

utterance: Johns. J O H N S.

utterance: OK. What's your date of birth?

utterance: nine seventeen nineteen eighty-five.

utterance: OK, and what is your PIN number?

utterance: Eleven seventy-six.

utterance: OK. What is your bank account information?

utterance: The one I wanna close is three six eight nine seven eight four nine nine eight.

utterance: OK. All right. So, I am in your account right now. what is the reason that you'd like to close this account?

utterance: Well, you know, there's a there's a damn car shortage right now, and I sell tires for cars, and you know, there's just there's just not that big of a market for it right now. So, I'm shutting down operations and I'm going back in to selling moon cakes during the harvest festival.

utterance: Mm.

utterance: You know. Going in to business with my my wife for You know. She she does pastries and and whatnot, you know, for holidays, you know. So, harvest festival was the recent one, and we'll do some like Halloween cookies, you know, type of thing. Gingerbread houses, right. Forget the automotive industry and tires and all that. So, I'm shutting that one down, and so you just gonna maintain the other business.

utterance: OK. so is there something we can do in order to keep the account open? Maybe with your other business that you are starting?

utterance: Well, no. I already have an account for that one. I'm just saying I wanna close this other one for you know, my tire business. I mean, in addition to that, I mean, white wall's just they just don't really. They're just not hot the way they used to be. You know, like during the there was kinda this throwback with the hot rods and whatnot, you know, but yeah, just with the chip shortage, tires, it's a bad business. So anyway I'm I'm gonna dissolve that one, but, like I said, I don't like I have money in that account, and I don't know if you should mail that to me, or if you should mail me a check, or if I could get that in bitcoin, or maybe ADA or something?

utterance: OK, well.

utterance: Ethereum

utterance: Perhaps?

utterance: All right. Well let's go in to that account and check on that. OK, so in the bank account number that you gave me, which is your checking account.

utterance: For that business, yes. Yeah.

utterance: For that business.

utterance: Yes. You have eighty-five twenty-seven dollars. I'm sorry. Eight thousand five hundred and twenty-seven dollars and thirty-five cents.

utterance: Yes, that that makes. Yeah, and see the thing is, I I wanna close the account but I don't wanna forfeit eight thousand dollars to do it, you know. Like, so when I close the account does that just like vanish, or like Can you mail me? Can you mail me that that money or would. You're gonna mail me the money?

utterance: Yes.

utterance: Yeah, we can cut you a check for that money. or if you'd like to open another account with us we can transfer it into another account?

utterance: I see. What about the account I already have? Can you transfer it into that one? Like, the one that I'm doing the cupcake and gingerbread house shop with. Like the other business account?

utterance: OK, well could you give me. Could you give me that account number?

utterance: Ten dollar.

utterance: Yeah, that one is four eight six seven nine four eight nine nine seven.

utterance: OK. I am in this account, and I'm seeing in this account you have two thousand eight hundred twenty-two dollars and eleven cents.

utterance: So you could transfer the other one over and then I'd have like ten thousand for that business?

utterance: Yes.

utterance: That would. That'd be great. because we'd be actually be able to open a store front. We're operating out of the garage right now, just delivery. You know, just door-dashing. Moon cakes. Halloween cookies. Gingerbread houses. You know, the works, but we could probably put down a deposit on our on rent for a storefront, you know, in one of these trendy parts of town. So, that would that'd be good if I could do that.

utterance: OK. all right, so then I just want to authorize that I'm going to transfer the information from your Intellibank checking account for the information you provided me into this other account you have also with Intellibank, so we will be making that transfer.

utterance: You authorize. That?

utterance: Yes, and.

utterance: I I do, yes. Thank you.

utterance: Great. Perfect. OK. Well, is there anything else I can help you with today?

utterance: that that'll be it. just please email a receipt of this transfer to Steven's Cupcakes at Gmail dot com whenever you get the chance,

utterance: OK let me.

utterance: Let me just add that. I don't see that email information on your file. So, Steven's Cupcakes at Gmail dot com?

utterance: Yes.

utterance: OK. All right. Well, if there's nothing else I can help you with, Steven, thank you very much. My name is Amy, and have a great evening.

utterance: Yeah.

utterance: Thank you. You too.

utterance: Bye.


utterance: My name is Chip Bell. I'm the owner of Halliday Helpers. I have my business accounts with Intellibank. My last accounting firm ran into some issues with the IRS, so I've just hired a new firm and they need copies of my financial records, but the owners of my last firm are taking an unplanned vacation at the government expense, if you know what I mean. So, I can't get my records from them, and I'm hoping you can help. I can give you my basic information, but I need assistance with figuring out exactly what accounts I have, as my last firm maintained all those records for me.

utterance: Yes, sir, I can assist you. Let me get some basic data from you first, so that I can look up your accounts. Your first and last name, sir?

utterance: My name's Chip Bell. I'm sorry, my full name is Charles Bell. Chip is my nickname.

utterance: Thank you, sir, and your date of birth?

utterance: May first nineteen seventy-eight.

utterance: Do you have your Intellibank PIN number, sir?

utterance: Yes, I have it right here. I always keep it in my wallet, so I know where it is. Here we go. It's seven five nine three two five. I have my checkbook right here, too. So, let me go ahead and give you that information also. My checking account number is eight three one seven nine three two five eight.

utterance: OK just to confirm, sir. Your checking account is eight three one seven nine three two five eight, and your PIN number is seven five nine three two five?

utterance: That's right.

utterance: Thank you, sir, that's what I needed. Give me a moment please while I access your records and determine exactly which accounts you have with us. I have a list of your accounts, sir. I see that you have our Intellibank Business Total Checking, Intellibank Smart Savings, an Intelligent Wealth Management Account, and two Intellibank Business Gold Cards. Which of your accounts do you need information on, sir?

utterance: I guess, all of them. My last accounting firm had all of my records, and now the IRS has them, cuz they took every document that company had in their office. My new accounting firm needs them right away, so that they can look everything over, and make sure that all of my financial forms have been filled out and submitted correctly to all of the appropriate parties.

utterance: I understand, sir. Intellibank provides a free copy of your investment reports free of charge every three months. How many years worth of data are you looking for on your accounts?

utterance: To be safe, let's go back five years, as that is how long I used my last accounting firm.

utterance: I can do that, sir. I also need to know how you would like to receive your reports. I can send them to you electronically or through the United States Postal Service.

utterance: Five years would be a lot of paper. Let's go electronically. That way I can easily send them to my new accounting firm and they can print out only the portions they need. I'm not a tree hugger but I do try to conserve and recycle where I can. I have two children and I care about the type of the world we're going to leave for their generation.

utterance: I agree with you, sir. I also have children, and do my part to recycle. If I forget my son says, Mom, that's my future world you're destroying. Intellibank is concerned about the environment also, and that's why we offer online access to almost all of our services. Do you use your online banking services?

utterance: I have to confess that I don't manage much of my own finances for the company. My wife does manage our household finances online. The accounting service handled our taxes and financial reporting for my business and they farmed out our payroll to another company. That is why I'm scrambling now. Thankfully, I found a very reputable accounting service to come in and pick up the pieces. But I think you're onto something. I need to start accessing my own account online, so that I can monitor what's going on, even if I don't prepare the actual reports.

utterance: Let me get the email that you want these reports to go to, and then we can discuss your online banking needs.

utterance: Certainly. I'd like them sent to C dot Bell at Halliday Help dot com. Or if that doesn't work you can try Chippie at Gmail dot com. This is a total headache. You'll probably have to do something like, send them one year per email, to keep from getting an email too big error. While I'm thinking about it why don't you just go ahead and send those to my accountants at the same time. Their email is H H dot account at Charles Brown Accounting dot com.

utterance: Thank you, sir, I'll see if we can get those sent to you today. Let's talk about your online banking needs now. Using online banking will allow you to get updates on these reports at any time, as well as a lot of other services we provide to businesses. Such as check-ordering, investment, and risk assessment services, or emergency holds on credit cards if one gets stolen or misplaced.

utterance: That last one sounds like a good idea. I should check on those credit card accounts. It wouldn't be fun for those crooks who used to do my accounting to use my credit cards to pay for their lawyers.

utterance: That's a good idea, sir. What do you want your login name to be? No longer than ten letters, numbers, periods or underscores.

utterance: How about Chippy and we can make my password.

utterance: Sir

utterance: I don't need a password. Our computer will send you a temporary password that you will need to change the first time you login. Don't hand your login name or password out to anyone, especially not your accountants. If someone claiming to be from the bank calls and asks for your password that's a sign they're lying. We don't need to know your password. We can change it if we have to, but we don't have any way to see what it is, so don't lose it. We can set up a special login for your accountants if you want that. That will limit them to just the things that you want them to see, and no ability to make changes. You'll also be able to revoke their access at any time.

utterance: Wow, that's real service. Could you send me information on doing that with the documents, so that I can talk it over with my new accountants and see if that would be something they can use.

utterance: I can certainly do that, sir. Can I make sure we have the right address in the computer to send your password and online banking instructions to.

utterance: Sure thing. My address is Happy Helpers, PO box four six six nine, Jackson, Wyoming. Or do you have four five three Crowns Avenue, Jackson, Wyoming as my address? Or three forty seven Millward Street Jackson, Wyoming?

utterance: We have your address as PO box four six six nine, sir. Would you prefer one of the other addresses.

utterance: No, that's a good address. I'll have to make sure I get by the Post Office and pick that up. Thank you very much. You've been a big help.

utterance: I'm glad to have been of service, sir. Is there anything else I can help you with?

utterance: No, I think that will be all. Have a great day.

utterance: You too, sir. Thank you for calling Intellibank.


utterance: Thank you for calling Intellibank this is Caitlyn how can I help you?

utterance: Hey Caitlyn how are you. I for some reason I feel like I know your voice already.

utterance: It's pretty generic, it's a generic voice I know.

utterance: All right so I'm a I'm a customer of your bank been a customer of you know Intelligent Bank now for quite a few years.

utterance: Did you say Intelligent Bank?

utterance: I did.

utterance: Seriously I can't tell you how many times people say Intelligent Bank because it's Intellibank and although we are very intelligent here at Intellibank it is Intellibank I'm sorry. I don't want to come off like a jerk in correcting you but I just wanted to let you know.

utterance: Oh, no. That's OK. That's OK. I mean I'm the one that should sound like a jerk for not having

utterance: The bank correct.

utterance: Well all right so so how about this how about I've called to talk to my new intelligent friend slash customer service representative about business options for myself. You see I have a I have a landscaping business and I started it like four five years ago.

utterance: currently we just you know thankfully have a big long driveway and we have you know the few trucks with our mowers all out there but it's getting to the point now where I need you know a shop.

utterance: Mhm.

utterance: To park our trucks, our mowers if we need to work on stuff and to fix stuff and I came across one I was just thinking to myself you know this would be the perfect thing to do for the business to to grow the business and do what we need to do to get to that next level.

utterance: And then you know I go through the mail today and I see a letter from Intellibank.

utterance: with different options for small businesses so I was wondering if I could talk to you about those options and what would be the best way for me to go about this.

utterance: Yeah absolutely I can totally walk you through it and suggest some thing for you. Do you have a few moments to to spend with me and. OK.

utterance: Yeah absolutely.

utterance: Well I would suggest since you you said you found a piece of real estate that you liked.

utterance: Yeah.

utterance: what about a real estate loan?

utterance: I think that would be your best bet to try for now.

utterance: OK.

utterance: but the thing about real estate loans they're treated a little differently than a standard loan because the bank can repossess the real estate if the customer defaults on a payment. It's kinda like a car loan.

utterance: Right.

utterance: Mhm.

utterance: But I think overall that will probably be your best bet.

utterance: Yeah I do to I mean.

utterance: All right.

utterance: yeah that's absolutely. I mean.

utterance: All right.

utterance: Great.

utterance: and I'd rather you know I I rather buy the the piece of property instead of renting it out.

utterance: Mhm mhm.

utterance: Yeah exactly so. All right so let's get your application on that started. What is your first and last name?

utterance: my name is Neil.

utterance: OK.

utterance: Webster. It's W E B S T E R.

utterance: OK.

utterance: OK Mr. Webster. And what is you personal address?

utterance: Oh my address is two twenty-one.

utterance: Mhm.

utterance: Glendale Road.

utterance: OK.

utterance: And Glendale Road is one word right?

utterance: Yeah and that's Havertown.

utterance: OK.

utterance: Mhm.

utterance: Pennsylvania.

utterance: Mhm.

utterance: One nine oh eight three.

utterance: All right and what is your social?

utterance: Oh my social is one seven nine.

utterance: Mhm.

utterance: One one two zero seven six.

utterance: OK and your drivers license number please?

utterance: that's for Pennsylvania.

utterance: OK.

utterance: And it's two two.

utterance: Mhm.

utterance: Two nine six zero seven seven.

utterance: And what state is that issued with?

utterance: Pennsylvania.

utterance: OK.

utterance: And your PIN number?

utterance: the PIN is nine five nine one.

utterance: OK. Mr. Webster what is your email?

utterance: It's N Webster ninety-one at Gmail dot com.

utterance: OK.

utterance: And what is your business name?

utterance: Webster Landscaping.

utterance: OK.

utterance: And are you the sole owner?

utterance: I am.

utterance: And what date did you establish your business?

utterance: It was September first twenty seventeen.

utterance: And your gross annual sales?

utterance: it's two hundred thousand a year.

utterance: All right and your tax ID number?

utterance: hang on one second.

utterance: All right that number is oh nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: All right and so you're right now you're business address is the same as your home address.

utterance: Yes.

utterance: Correct OK. All right so I'm just gonna for now obviously we'll continue to mail your stuff to your home address maybe we'll change that in the future. All right so for the loan purpose I'm going to put down expansion.

utterance: Yeah exactly.

utterance: Yes.

utterance: Is that OK with you?

utterance: Yes.

utterance: OK and how much does the property cost?

utterance: it's only a hundred thousand dollars.

utterance: Wow OK.

utterance: That's great. And what's the address for the real estate property?

utterance: Oh it's three thirty-one.

utterance: Mhm.

utterance: Ludlow Street. L U D.

utterance: OK.

utterance: Mhm.

utterance: L O W.

utterance: OK.

utterance: And that's also in Havertown, Pennsylvania.

utterance: OK.

utterance: And how much of a down payment are you going to put down?

utterance: twenty thousand so it's twenty percent.

utterance: OK.

utterance: Twenty percent. Awesome. OK.

utterance: All right so all right so I I have the application all ready to go we just need you to send over your supporting business documentation so I sent you an email and in the in that email there'll be a link where you can upload all the documents that we need from you and you'll see a list of things that you can choose from that we need to proceed with the application once you get that back to us like get that back to us right away so then we can start the process.

utterance: OK.

utterance: OK.

utterance: Mhm.

utterance: And then after that it will take about twenty-four to forty-eight hours to give you an answer.

utterance: And yeah so let's you know do that right away.

utterance: And Mr. Webster is there anything else that I can help you with while I have you on the phone?

utterance: No that's everything.

utterance: All right well thank you so much for choosing Intellibank and we really look forward to working with you.

utterance: Thank you so much.

utterance: Bye bye.


utterance: Hello. Thank you for calling Intellibank. My name is Cassandra, how can I help you today?

utterance: Hello, Cassandra. I will like to make a wired transfer from my checking account. I will also like to apply for a term loan can you help me with both?

utterance: Yes sir I can certainly help you with both of those transactions today but first why don't we go ahead and do your wire transfer and then we'll get into the term loan application if you don't mind?

utterance: Alright. Sounds good.

utterance: Alright.

utterance: I'll need to get a little information from you so I can go ahead and process that wired transfer.

utterance: Alright.

utterance: OK. First of all can I have your first, last name and date of birth?

utterance: yes. My name is William Grayson. My date of birth is ten twenty-three nineteen seventy-four.

utterance: Alright. To confirm, your name is William Grayson. Date of birth four twenty-three nineteen seventy-four?

utterance: Yes.

utterance: Alright. Thank you sir next could you give me the pin that's associated with your account?

utterance: Yes. The pin is five five two three.

utterance: Alright. That pin was five five two three.

utterance: Yes.

utterance: OK sir. Can you give me the withdrawal account number now please?

utterance: Yes. That number is six one zero four four four five one zero one zero

utterance: All right, sir. That number was six one zero four four four five one zero one zero. Is that correct?

utterance: Correct.

utterance: Alright Sir. What is the transfer amount you will like to initiate today?

utterance: I would like to do five thousand please.

utterance: Alright. You'd like to transfer five thousand?

utterance: Yes ma'am.

utterance: Is this going to be a domestic or international transfer sir?

utterance: Domestic please.

utterance: Alright. Domestic and could you give me the deposit account routing number please?

utterance: Yes. That number is four three eight five eight one two two seven

utterance: Alright. So to verify, that number was four three eight five one eight two two seven?

utterance: Yes.

utterance: OK, sir. And now can you give me the depo- the the account number for the deposit please.

utterance: Yes. The number is four one nine five five six three zero four three three one.

utterance: OK sir. To verify that number is four one nine five five six three zero four three three one?

utterance: Yes.

utterance: Alright. Thank you sir. Give me just one moment while I go ahead and process that wired transfer for you.

utterance: Alright.

utterance: Alright sir lastly I need to get a transfer date for transfer initiation period. Would you like this to be same day, next day or three day? There will be free there's a fee of three dollars for same for three day, ten dollars for next day and thirty dollars for same day.

utterance: same day.

utterance: OK sir. So the transfer amount is going to be five thousand and the withdrawal amount from your account is going to be five thousand thirty dollars. Is that OK?

utterance: That's OK.

utterance: Alright sir. Let me go ahead and process that then.

utterance: Alright.

utterance: OK sir. This wired transfer has been processed. It will be same day, today so you should have that initial amount pulled from your account within the next thirty minutes and that fee will actually be withdrawn from your account within twenty-four hours that's just to give the wired transfer time to actually complete.

utterance: OK.

utterance: Alright sir. Now are you ready to go ahead and apply for that term loan?

utterance: Yes. I believe I am.

utterance: Alright sir. I'm gonna need so- similar information I asked before but I'm gotta have to go ahead and ask it again so I can make sure that everything is verified. OK?

utterance: OK no problem.

utterance: Alright sir.

utterance: Alright again can I have your first and last name please?

utterance: Yes.

utterance: My name is William Grayson.

utterance: Alright. And what is your street address Mr. Grayson?

utterance: My street address address is three three five seven eight Clinton street.

utterance: Alright. That was thirty-five seventy-eight Clinton street?

utterance: Yes.

utterance: OK. What is the city, state and ZIP code please?

utterance: Little Rock Arkansas. ZIP code seven two two one one.

utterance: Alright. That was Little Rock, Arkansas. ZIP code seven two two one one.

utterance: Yes.

utterance: Alright sir. Can I have your social security number now please?

utterance: Yes. My social security number is four three two eight six three nine six nine.

utterance: OK. To verify four three two eight six three nine six nine was your social?

utterance: Yes ma'am.

utterance: OK sir. And could I get your driver's license and state please?

utterance: Yes. My driver's license number is four eight two two one nine one nine four and the state is Arkansas.

utterance: OK. So to verify the driver's license number was four eight two two one nine one nine four correct?

utterance: Correct.

utterance: OK sir. And could you give me that pin for this account please.

utterance: The pin is five five two three.

utterance: Alright sir. Thank you so much for that. And do you have an email you would like to add for this account?

utterance: Yes. It's Grayson W S A S two zero one zero at Gmail dot com.

utterance: Alright. That was Grayson W F A F twenty ten at Gmail dot com?

utterance: Yes.

utterance: Alright sir. And what is the business name?

utterance: my business name is Shocks Auto Supply.

utterance: Alright its Shocks Auto Supply?

utterance: Yes.

utterance: OK sir. Are you the sole owner of this business?

utterance: Well yes I am.

utterance: Alright. Thank you so much for that and what day was this business established on?

utterance: Yeah it was established on nine five two thousand and ten.

utterance: Alright. Nine five twenty ten.

utterance: Yes.

utterance: And could you tell me gross sign in your sales please?

utterance: I make I make two hundred and twenty-five thousand.

utterance: Alright. Around two hundred and twenty-five thousand.

utterance: Yeah.

utterance: Thank you sir. And could you give me the tax ID number please.

utterance: Tax ID number is five six five four three four six six zero.

utterance: Alright sir. That tax ID number was five six five four three four six six zero?

utterance: Yes.

utterance: Alright. Thank you so much sir.

utterance: And could you now give me the business address? Including the city, state and ZIP code please.

utterance: Yes. The business address is five five one Lincoln Drive Little Rock, Arkansas ZIP code seven two two one one.

utterance: Alright sir to verify that business address is five five one Lincoln Drive in Little Rock, Arkansas ZIP code seven two two one one. Correct?

utterance: Correct.

utterance: Alright. And which mailing address would you like to have your information for this loan sent out to. Your home or your business address?

utterance: Can I get it for my my business?

utterance: Yes, sir, and I'm gonna verify again. That business address was five five one Lincoln Drive, Little Rock, Arkansas seven two two one one correct?

utterance: Correct.

utterance: All right I'll make note of that sir and what is the loan amount you would like for this term loan?

utterance: the loan amount ten thousand.

utterance: Yes

utterance: OK sir. I'll process that ten thousand. And what is the purpose of this loan sir?

utterance: equipment purchases.

utterance: OK. You'd like to make an equipment purchase? All right. And what is the term you would like to set this loan for?

utterance: Let me get a settle up for five years if I can.

utterance: All right

utterance: Sir. Let me write that down. Five-year loan.

utterance: OK sir. I'm going to need a second while I go ahead and process this through our system.

utterance: Alright.

utterance: Will take just a moment.

utterance: OK.

utterance: OK so to verify I'll let you know that a term loan is a basic loan with a lump sum upfront payment and a specific repayment schedule you set yours at five years there's no collateral requirement and we're gonna need a list of supporting documents in order to make sure we process this loan accurately I will send you the list of supporting documents at the email address on file and could you please send in your supporting business documents and we'll get back to you with the results of your application.

utterance: Alright. Sounds great.

utterance: Alright. Thank you so much Mr. Grayson for your time and patience again my name was Cassandra and I hope you have a wonderful rest of your day

utterance: You too.

utterance: Thank you sir. Bye bye.

utterance: Bye bye.