utterance: Thank you for calling Intellibank, this is Randy. How may I help you today?

utterance: Hi, my name is Josie Backmell and yeah, I attended USC from the years twenty thirteen to twenty seventeen. they just left me with a lot of debt that I'm still trying to pay off. after all these years and all my friends have like manage to pay off their loans or their parents paid for them. yeah so, I guess like I'm just like yeah, I guess I have to like I don't know, I went to the bank and I was told that there's like a way that I don't really have to think about it and like maybe like the money just comes out of my account all the time

utterance: Yeah, we can set up a automated loan payment if you'd like.

utterance: Automated loan payment?

utterance: Yeah, so that each month the loan payment would just debit out of your account and it would be paid.

utterance: OK, all right. Yeah, let's try that.

utterance: Great. So to start, we need to pull up your account and to do that we are going to need your full name, first and last, as it appears on your Intellibank account.

utterance: OK well my full name, my legal name is Joselyn Green. And sorry, what was the other thing you needed?

utterance: your date of birth.

utterance: Oh yeah, December seventh nineteen ninety-two.

utterance: All right. And what is your twelve digit account number?

utterance: where can I find that?

utterance: you can find that at the top of your statement.

utterance: OK. I've just been throwing all my mail out so, I think I'm gonna have to like find that online. Yeah, let me, let me just go over. I'm gonna put you on hold for a bit and try to look that up.

utterance: All right.

utterance: All right, take your time.

utterance: Ok, I think I got it. it should be three two two seven six eight eight seven nine.

utterance: All right. That is correct and I am gonna need the four digit security PIN associated with this account.

utterance: OK. sorry I just have like so many PINs for everything and I like yeah I try to do a good job and like switch them up so

utterance: Totally understand.

utterance: How about we try six seven two one.

utterance: That is correct, all right. I have your account pulled up here. And I see you have both our Intellibank business checking account and our Intellibank smart savings account. which account would you like that money debited out of each month?

utterance: I guess the. I don't know, do you think like it's easier to do out of the checking or savings cuz like.

utterance: Yeah it works the same way no matter what. But if you do it from your savings account, you are no longer making money off of that money.

utterance: for sure. OK great, let's do the checking.

utterance: All right and what is your twelve digit checking account number?

utterance: Should be four three two, three eight eight, seven nine eight one, three two.

utterance: All right, and your nine digit revenue number.

utterance: Seven six five four, seven eight nine two.

utterance: And what date would you like that debited every month?

utterance: let's go with the eighteenth.

utterance: All right, and how much would you like that to be each month?

utterance: Three hundred. It's like the maximum I can afford right now.

utterance: Great, well that is all set up for you. Is there anything else I can do for you today?

utterance: I don't know if you could like get me a new job.

utterance: sorry I can't do that. Anything else here with the bank?

utterance: No that's all, thank you.

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


speaker_role: Agent

utterance: Hello and thank you for calling Intellibank, my name is Sue, and I will be happy to assist you today. How may I help you?

speaker_role: Customer

utterance: Hi I need to apply for a term loan please.

utterance: You'd like to apply for a term loan?

utterance: That's correct.

utterance: Yes ma'am I would be happy to assist you with that today. May I ask whom I'm speaking to?

utterance: My name is Katherine. Last name Argon A R G O N.

utterance: Katherine, Is that with a C or a K?

utterance: That is with a K.

utterance: Thank you. K A T H.

utterance: E R I N E. Argon A R G O N.

utterance: Thank you so much. All right Katherine I'd be happy to go ahead and process your application over the phone. I will just be needing you to have documentation of your address, social security number, drivers license And your tax ID number. Do you have that paperwork with you?

utterance: I do.

utterance: Great. Thank you so much. all right what is your street address?

utterance: My street address is twenty-one fifty-two Apple Tree Lane. And that's in Oklahoma City, Oklahoma. nine five six seven three.

utterance: Thank you so much for that. One moment as I finish inputting that. And what is your social security number please?

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

utterance: Thank you so much. And the drivers license number and state it was issued from.

utterance: Oklahoma O K C R Oop. Excuse me. Let me start it over. That's O K nine five three four seven one.

utterance: Thank you very much.

utterance: Are you okay today? You sound kind of bored or like this like your ten thousandth call.

utterance: Oh I'm sorry. No this is, this is just the tone of my voice.

utterance: Oh are you almost done for the day?

utterance: No, no I I just started about two hours ago but sorry I I just this sometimes people comment on my voice but that's just how I talk.

utterance: Oh well you must have a very soothing disposition.

utterance: Oh thank you my my little dog seems to think so, so if you don't mind me saying.

utterance: That's nice.

utterance: Do you have any pets?

utterance: I don't I'm allergic.

utterance: Oh

utterance: That's too bad I'm sorry to hear that. all right I will also need your email address.

utterance: I know.

utterance: My email address is king queens at Gmail dot com.

utterance: Thank you. And I'm sorry did I ask you for your pin number?

utterance: You did not but I can provide that.

utterance: Thank you very much.

utterance: Four seven three one.

utterance: Thank you very much. And just so you know with that pin number you can access this online at this application online as well.

utterance: OK. Thank you.

utterance: Your welcome and Katherine are you the sole owner of your business?

utterance: I am. I'm a feminist at heart.

utterance: That's good. All right let's see and the approximate month and date that your business was established.

utterance: Approximate month and date was February of two thousand.

utterance: Thank you. Oh you have a very long wedding business. Congratulations.

utterance: My pleasure. Thank you.

utterance: And the annual gross sales for Last year yeah just for last year.

utterance: Oh I thought you were almost gonna say yesterday

utterance: No no I just I didn't I wasn't I was checking to see if I needed to ask for two years or one year but just for last year.

utterance: Oh.

utterance: Last year was one hundred thousand.

utterance: Thank you very much. And your tax ID number please.

utterance: Tax ID number is nine five three four seven one one zero five.

utterance: Thank you. The address for your business is located?

utterance: The address where my business is located is seventy-one fifty-seven Henry Drive. That's in Oklahoma City, Oklahoma seven one one three four.

utterance: Thank you. And is your mailing address the same?

utterance: It is.

utterance: Thank you. And Katherine what is the credit limit that you desire?

utterance: Thirty thousand.

utterance: Thank you. And lastly what is the purpose of your loan?

utterance: I'm going to purchase another business.

utterance: Oh I see all right. And will that business be located at the same address?

utterance: yes.

utterance: OK thank you so much. I just sent a link to your email. It will have your application and also a link to to upload your drivers license and your tax ID number.

utterance: Thank you.

utterance: Thank you so much, is there anything else I may assist you with today.

utterance: No, you've been wonderful. Thank you so much.

utterance: Thank you and for calling Intellibank.


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

utterance: Oh, hello my name is Sharleen.

utterance: Hi Sharleen. How are you?

utterance: I'm good. I just wanted to make a few credit card payment because my mom visit me at I write back and I've had a couple of and it really gonna be handing my payment.

utterance: Absolutely. I could go ahead and help you pay your credit card.

utterance: that would be nice.

utterance: All right. So first I'm going to gather some information from you so could I have your full name and date of birth please?

utterance: OK. My full name is Sharleen Peterson. And my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right thank you. And could you spell your first name for me please?

utterance: OK. My first name is S H A R L double E N and the second is P E T E R S O N.

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

utterance: OK, that will be two four one three.

utterance: Thank you. And can I get the account number for which you will make this payment through?

utterance: OK. That will be three five four six six eight seven nine two four.

utterance: Thank you and can I get the routing number as well?

utterance: OK. That will be eight six seven five five four five one zero.

utterance: All right and just to confirm, that is eight six seven five five four five one zero?

utterance: Yes, that is correct.

utterance: All right, thank you. All right and what is the amounts you will like to pay for your credit card?

utterance: that will be five thousand dollars.

utterance: All right. And what is the date that you like this payment to take effect?

utterance: next week on Monday.

utterance: All right, let me just put that in. All right I have gone ahead and submitted that payment for you to take place next week.

utterance: Oh, OK. Thank you for that.

utterance: You're welcome. Any other?

utterance: how is?

utterance: over there.

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

utterance: Also been quite a couple of warm days, I hope it stays like that for the rest of the month.

utterance: Absolutely, me too. And would you like to know more about online banking so you can make payments easier in the future?

utterance: Yeah, I'd like to know what are the requirement one needs and how do I acc- How do I access it?

utterance: Absolutely. So we provide online banking through our app which you could download it at the app store. It's called Intellibank. And once you download it and sign in, you will have access to your account so you can check your balance, check . You can make deposits so just check deposits, you can make transfers between different accounts. you can also schedule appointments on there. Or update your business information. so most everything that you can do at a branch you could do online accept for cash deposits.

utterance: OK, that's interesting, and in terms of you said I can do transfers and payment through online banking. Can I also get for those transactions?

utterance: Yes absolutely. you will receive and email each time you complete a transaction. and that will be your form of receipt.

utterance: OK. That's good to know. And what about the security feature?

utterance: Yes, so the app is very secure you'll be required to enter a user name and password every time you log in. And if you have a smart phone you could enable face ID as well.

utterance: OK. And does the app have any downtime or is it just fully functional all throughout?

utterance: no, it's absolutely fully functional, so you could start right away.

utterance: Oh.

utterance: Oh, that's good to know. I'll definitely try to download it right after this call and see how it really works.

utterance: Absolutely. All right well have a great day.

utterance: Thank you and you too.


utterance: Good afternoon. Thank you for calling Intellibank. This is Sylvia speaking. And how may I assist you today?

utterance: Hey Sylvia. How are you doing today? I hope your day is going well.

utterance: Yes ma'am it sure is thank you so much for asking ma'am. And how about yourself?

utterance: Oh well my day is going great actually. Thank you. The reason I am calling is we have sold our business so we have a savings account with you guys for our business that we just sold and I'm actually needing to go ahead and close that. We won't be needing it anymore. Now before I do close it we're wanting to move the balance from that savings account over into our wealth management account that I do have with a Oh I'm sorry with an investment firm. what do I need to do with that balance? Do I actually have to go down to a branch and withdraw that? And then bring it down to our investment firm? Or how does that work?

utterance: Well ma'am what we can do is we can absolutely go ahead and get everything done over the phone or ya. We go ahead and close that account. And as long as you have the routing number and account number of your wealth management account we can just transfer the money straight on over to their for ya.

utterance: Oh great! Thank you Sylvia. Yeah that sounds wonderful. You just actually made my day sound a lot easier. Thank you.

utterance: Well ma'am I'm more than happy to help ya. let me go ahead and get some information from you so I can pull up your account, OK?

utterance: OK yeah. what info do you need?

utterance: May I have your full name as well as your birthdate please?

utterance: Yeah sorry. This is Denise D E N I S E. My last name is Grimshaw G R I M S H A W and my birthdate is January the tenth nineteen sixty-six.

utterance: Thank you much Ms. Grimshaw. And may I also have you PIN number please?

utterance: Yeah our PIN number is nine fifty-two thirty-three fifty-one.

utterance: Thank you. I have nine five two three zero three five one.

utterance: Yes ma'am that's correct.

utterance: Thank you.

utterance: And may I have the account number for the account that you would like to close today. I believe you said that was the savings account?

utterance: Yeah yeah it's our savings. And that account number is five sixty-six nine hundred thirty-six twenty-seven.

utterance: Thank you I have five six six nine zero zero three six two seven?

utterance: Yes ma'am that is correct.

utterance: Thank you. And the reason you'd like to close this account is because you sold your business was that correct?

utterance: Yup. That is absolutely correct.

utterance: Thank you.

utterance: And the account type that you would like your residual balance deposited into you said that was a wealth management account?

utterance: Yes ma'am. It sure is.

utterance: Thank you so much Ms. Grimshaw. May I have the routing number for that please?

utterance: Yeah absolutely. The routing number is eight forty-four one twenty-seven five oh seven.

utterance: Thank you. That was eight four four one two seven five zero seven.

utterance: Yes ma'am that's correct.

utterance: Thank you Ms. Grimshaw. And may I have that account number please?

utterance: Yeah it's three five two six forty-five ninety-seven eighty-two.

utterance: Thank you. That's three five two six four five nine seven eight two?

utterance: Yes ma'am that's correct.

utterance: Thank you so much Ms. Grimshaw. And I am showing that you have a residual balance in the account ending in three six two seven of seven hundred sixty-four thousand eight hundred seventy dollars and seventy-two cents. And we are transferring the entire amount over to the account number ending in nine seven eight two.

utterance: Yup. We sure are.

utterance: All right. Thank you so much. Give me just one moment to get this process this for ya.

utterance: OK great. Thank you again Sylvia.

utterance: Yes ma'am.

utterance: All right Ms. Grimshaw. I do have the seven hundred sixty-four thousand eight hundred seventy dollars and seventy-two cents deposited into the wealth management account ending in nine seven eight two. And I do have your savings account number with this that ended in three six two seven closed. Was there anything else that I could assist you with today?

utterance: no ma'am. That is it. And thank you again for making this such an easy process Sylvia.

utterance: Thank you so much for saying that Ms. Grimshaw. And I'm just glad I could help. And thank you so much for calling Intellibank. And you have a wonderful day.


utterance: Hello thank you for calling Intellibank how can I help you today?

utterance: Oh hello my name is Salan and I was wondering if I could get a copy of my loan statement?

utterance: Absolutely I can go ahead and help you get a copy for loan statement for you. First I will ask you some information. So first can I have your full name please.

utterance: Oh my name is Shalen Gitasbone.

utterance: Thank you and could you spell your first name for me please?

utterance: OK last name will be S H A R L E double E N.

utterance: All right thank you for that. And can I have your date of birth please?

utterance: OK that will be on the twenty-ninth of December nineteen ninety.

utterance: All right thank you for that. And can I have your pin number?

utterance: that will be two four one three.

utterance: OK thank you. And can I have your loan account number?

utterance: that will be three five four six six eight seven nine two four.

utterance: Thank you. And I'm also going to ask for your credit card number.

utterance: OK. give me a minute.

utterance: All right no problem.

utterance: OK that will be four nine two nine three eight one three two seven five five two two two four.

utterance: All right thank you. And to confirm that is four nine two nine three eight one three two seven five five two two two four?

utterance: Yes that is it.

utterance: OK thank you. And can I also ask how would you like your loan statement to be delivered to you? Would you like to bit delivered in the mail or through online?

utterance: I prefer through online for it to be much safer. And for .

utterance: Absolutely in that case would you confirm your email address for me?

utterance: OK that will be Shapete. That is S H A P E T E at Yahoo dot com.

utterance: All right thank you for that. All right I have gone ahead and sent you your copy of your loan statement and you should receive it within a couple of minutes.

utterance: Oh OK thank you for that.

utterance: Absolutely and would you like to know more about online banking so you could request loan statements easier in the future?

utterance: Yeah I'd like to know how to the stuff is the.

utterance: Absolutely. So we offer online banking through our app and through our website. And app the app is for mobile phone. And you can access the website on a computer. But for the app it's through the app store and once you download it and sign up. you can access your account and access information it suggests here account balance and all your transactions. You could also do things such as check deposit your checks. You could also make transfers within your accounts and to other accounts. You could also schedule appointments update your business information. as well as request copies of documents. and you could do all this on the website as well. However with the website you are not able to deposit checks that is only available for the mobile app. And also if you would like to make cash deposits you would have to go to in-person branch for that or to an ATM machine.

utterance: OK that's good to know and what are the requirements for me to have the app?

utterance: So the only requirements is that you have an account with us which you do so you you should be good to go on that. And.

utterance: And will I be charged for any services?

utterance: no so there will be no charge for this app.

utterance: OK thank you for that. And You said I can do bank transfers through the app?

utterance: Correct you could transfer amounts between your accounts or even other accounts.

utterance: so is it the bank or or also through other different banks?

utterance: you could transfer accounts between the accounts at Intellibank and other banks.

utterance: Oh OK that's good to know.

utterance: Absolutely and did you have any other questions for me?

utterance: No I think that's it for now.

utterance: OK no problem have a great day.

utterance: Oh you too.


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

utterance: Hello, I need to schedule a payment for my loan. You see, I have been away and you know my payment is due soon.

utterance: Sure, I can help you with that. May I have your first name?

utterance: Alexander.

utterance: Last name?

utterance: Lopez.

utterance: Thank you Mr. Lopez. And your date of birth please.

utterance: Six six sixty-two.

utterance: And can I have the PIN number for this account?

utterance: Six two six two.

utterance: Thank you very much, and the loan account number?

utterance: Can you hang on one second?

utterance: Absolutely, sir.

utterance: Excuse me sir.

utterance: So which one did you want, the loan number?

utterance: Yes sir.

utterance: OK, the loan number is two six seven three one two five eight nine four.

utterance: Thank you for that information sir.

utterance: You're welcome.

utterance: And what date did you wanna make this payment?

utterance: Eleven ten twenty-one.

utterance: Thank you sir, and the bank account that the. Bank account number that the money's coming from?

utterance: How's your day going?

utterance: Oh I I'm sorry sir, it's going excellent, how's yours?

utterance: What are you sorry for?

utterance: Cuz I I don't want you to think I sounded like a robot.

utterance: Oh OK, my day's going good.

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

utterance: Going OK. The payment bank number is eight six seven five three oh nine two one eight five.

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

utterance: Yes.

utterance: And the payment routing number please?

utterance: Six three two five six seven one.

utterance: Thank you sir. And just to be sure here, you want this to take effect on eleven ten twenty-one?

utterance: That's correct.

utterance: OK.

utterance: Mhm.

utterance: OK, your payment will take effect on eleven ten twenty-one. you will receive an email confirmation from me. may I suggest sir, do you know about our online banking services?

utterance: No.

utterance: Well yes sir, if you go to WWW dot Intellibank dot com you can just look up online banking and it will walk you through the steps to take to create the online account and from there, you are able to make payments on all of your accounts with us. Your loans, your credit cards. you can also order checks from your checking account, check balances. It's a wonderful tool.

utterance: Oh, that's very nice, thank you.

utterance: Oh you're very welcome sir. Was there anything else I can help you with today?

utterance: Sure.

utterance: Oh, what can I help you with?

utterance: can you give me some more information on my loan?

utterance: Oh absolutely sir. So your balance due at this time is twenty-six thousand five hundred and twenty-two dollars for your personal business loan and you're making payment of five hundred dollars, correct?

utterance: Yes.

utterance: for eleven ten twenty-one.

utterance: Yes.

utterance: All right, so that brings the total down be by five hundred from that amount that I just gave you. With all the information will be in the email confirmation.

utterance: OK, sounds great. Thanks Lori.

utterance: You're very welcome. All right sir.

utterance: You have a great day, thanks for your time.

utterance: Thank you, you as well. Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. My name is Daisy, how may I help you?

utterance: Hi Daisy, I have a crazy neighbor who takes mail out of my mailbox mailbox and throws it on the street, and sometimes stuff like bank papers get caught in that and it's a mess. It's really hard and it messes up my whole day. So, I'd like to change the way that my statements get sent to me. Right now, they're just sent through mail. I want them sent through email.

utterance: Sure, I'll be happy to help you with that. let's pull up your account. What is your full name and address?

utterance: It's George Emery, and I don't know if you have my account listed under my business address, one twenty-one Parkside Acres, or my home address, eighty-four Bluebird Court. They're both in Branson, Missouri five five three two four.

utterance: Thank you, George. We have your home address. And what is your date of birth?

utterance: September twenty-first nineteen ninety-nine.

utterance: Your PIN?

utterance: Sixteen sixty-two.

utterance: Thank you. Please verify your Intellibank business total checking account.

utterance: Zero zero one six three nine two two one seven.

utterance: Thank you. Your balance is four thousand two hundred sixty dollars and fifty-three cents. Now, you'd like to update the manner in which you receive your statements. I assure you're receiving them via mail and how do you want to receive them?

utterance: through email.

utterance: Email, great. Please provide me your email address.

utterance: It's George Emery Trades at Hotmail dot com.

utterance: Will you spell that for me?

utterance: G E M O R Y T R A D E S at Hotmail dot com.

utterance: Thank you it'll take just a moment for this to update and then I'll have a transaction ID number for you.

utterance: OK. How's your day going, Daisy?

utterance: Oh, it's going pretty good. We're having beautiful weather. How about you?

utterance: Same thing here, you know. I'm taking my family out to go grilling later today. Gonna have a lot of fun.

utterance: Great, that does sound like fun. I have your confirmation number.

utterance: OK, I'm ready.

utterance: Nine nine one seven six two nine.

utterance: Nine nine one seven six two nine?

utterance: Yes, sir. Anything else I can help you with?

utterance: yeah, I gotta a letter talking about an Intellibank Silver Card. I'd like to know more about that.

utterance: Certainly, sir. It sounds like you're talking about our IntelliBusiness Silver Card?

utterance: Yeah.

utterance: OK yeah, this card is meant for small and medium-sized businesses. it allows you to reduce the administrative charges and to manage easily all your expenses of your cards right online. It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit profile. It includes no annual fee. You can earn unlimited one point five percent cashback on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost and when you have those employee cards you could set individual spending limits for greater control over your company's expenditures. your card transactions will be monitored for possible signs of excuse me your card transactions will be monitored for possible signs of fraudulent activity using our real time state-of-the-art fraud monitoring systems, which means you won't be held responsible for unauthorized charges made with your card or account information. You can customize your card with your own business logo and design, and we are running a promotion currently through the end of the year in which you can earn seven hundred and fifty dollar bonus cashback after you've spent seven thousand five hundred on purchases in the first three months from account opening. How does this sound, George? Would you like to sign up for this card today?

utterance: the card does sound interesting but I need to talk to my financial team before I commit to anything. could you also send that information in an email?

utterance: Absolutely. G. Emery Trades?

utterance: Yes, ma'am.

utterance: OK, I will send it. Is there anything else that I may help you with today, George?

utterance: Nope, that should about do it.

utterance: All right, well thank you for choosing Intellibank and have a wonderful day.

utterance: You too, bye.

utterance: Thank you, bye bye.


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

utterance: Yes. Hey Jerry. I would like to open up a business checking account.

utterance: Sure. I'll be happy to assist you with that ma'am. And if I could ask first of all what is your first and last name?

utterance: Evlyn Richards.

utterance: And Ms. Richards, what's the name of the business that would like to open an account with us?

utterance: Jones Bed and Bath.

utterance: OK. Thank you for that Ms. Richards and that's for Jones Bed and Bath?

utterance: Yes.

utterance: All right. And Ms. Richards, I'm going to go ahead and ask a few questions here in efforts to set up your new business checking account with us. First of all, let me ask, what type of account did you want with us? Did you want what would be a free business total checking account? Or were you looking for our higher end business premium checking account?

utterance: Yes. The just the total.

utterance: OK. So you wish to open up the free total checking account?

utterance: Right. Yes.

utterance: OK. and first of all Ms. Richards, what is the name of the business again?

utterance: Jones Bed and Bath.

utterance: And what is the business address for Jones Bed and Bath?

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

utterance: And Ms. Richards, are you the sole owner of this business?

utterance: Yes.

utterance: And what is your personal address?

utterance: One forty-one Oakwood Avenue, Avondale Estates, Georgia, three zero zero zero two.

utterance: And what is your mailing address for the business?

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

utterance: Zero six two four eight seven one two.

utterance: And what state is that?

utterance: Georgia.

utterance: And what is your business email address?

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

utterance: E dot Richards at Jones B B dot com?

utterance: Correct.

utterance: And when did you start your business?

utterance: March the first, nineteen seventy.

utterance: All right. And what is your gross annual sales?

utterance: twenty-seven million.

utterance: And what is your tax ID number?

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

utterance: And what is your Social Security number?

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

utterance: All right. And Ms. Richards, with that being the case, what is the routing number that you wish to have the the funds deposited into?

utterance: OK. The routing number is three two eight one seven four two seven eight.

utterance: OK.

utterance: OK. yeah, that's what that would be. You know I'm so excited about the Braves winning the World Series and they really celebrated. I mean it was just wonderful to see all the people and they. It was so serene how they just carrying themselves. You know, they didn't disrupt it. They stayed back. You know, that was just great.

utterance: Oh, so. you all or did you enjoy. what was it, a parade or something?

utterance: Yes. It was a parade and then they had some other activities all around but you know it was just great to see you know, the the love that was poured into them and they felt that.

utterance: Did they have a ticker tape parade?

utterance: Yes.

utterance: OK. That had to be fun. Seeing the ticker tape.

utterance: Oh it was. It was just so wonderful to see all the players and you know, we got to hear them speak. You know, say things and and I just can't get over it.

utterance: Well congratulations on being the world champions there with the Atlanta Braves.

utterance: What a great feeling.

utterance: Yes indeed. Indeed. And what is the account number Ms. Richards, that you wish to fun deposit for this new account?

utterance: Six one zero four nine one.

utterance: And what is the amount that you wish to deposit into your new business total checking account with us from the transfer account?

utterance: A hundred thousand dollars.

utterance: OK. So you wish to do a hundred thousand dollar transfer from the routing number and account number you've given me into the new business total checking account with us?

utterance: Yes, I would.

utterance: OK. And let's see here Ms. Richards. Just want to be certain that I have everything I need on my end. One other question that I'll ask here, well actually a couple of more. What is your Social Security number?

utterance: Two three five zero six eight two six eight.

utterance: And also Ms. Richards, what is the. Let me see here. One moment. So. We have the Social Security number here Ms. Richards. And what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And of course to securely set up your account, this was the last question what is the PIN number that you want to create for your account?

utterance: One zero one zero.

utterance: All right. There we go and now I think we have everything we need. now that we've gotten your PIN number that will be added to the account for security purposes. Ms. Richards, I've gone ahead and processed this into the system and it appears that we've got you all set up Ms. Richards and we certainly do appreciate you considering doing business with us and obviously we appreciate it.

utterance: Well very good. Thank you so much.

utterance: And the funds once it transfers from the account you've given us, the funding account into your new account, those funds will be available to you practically immediately and you will be able to begin using those using those funds and having access to them same day and we'll be smailing out a debit card and of of course you can go online to set up your online banking with us.

utterance: That's good. I like that.

utterance: Any other questions?

utterance: No.

utterance: Well Ms. Richards, we certainly appreciate you giving us a call and thanks for doing business with us.

utterance: You're welcome. Bye bye.

utterance: Bye bye.


utterance: Hello, and thank you so much for calling Intellibank. My name is Carolina and I'll have the pleasure of assisting you today.

utterance: Hi, Carolina. How you doing?

utterance: I'm great. Thanks for asking, and may I ask your name?

utterance: yeah, it's Jay.

utterance: Hey, Jay.

utterance: Hey, how you doing?

utterance: I'm great. What can I do for you today?

utterance: All right. So. what I'd like to do is I'd like to find out a little bit about your SBA loan.

utterance: OK be glad to help you with that. I'm not sure if you're aware of this but I can actually do the application for you right over the phone as well.

utterance: All right, let's do it.

utterance: Great. So we have two types of SBA loans we have the five oh four loan for real estate and as well as the seven A SBA loan.

utterance: Oh, what's the seven A?

utterance: The seven A is for a bi. It's a business account but it's for if you have a business that grosses more than five hundred thousand to a year.

utterance: Oh, OK all right. So, we're gonna do the real estate loan because the thing about the real estate loan is I wanna do a podcast and I'm tryna look for a proper place cuz my podcast is taking off.

utterance: Wonderful. Good to hear. All right.

utterance: It is.

utterance: It's really good. It's really good. You should tune into it sometime.

utterance: All right, I'll get that information from you.

utterance: Yeah, sure.

utterance: All right, Jay, let's go ahead and start this then. May I get your last name?

utterance: sure, it's Silver.

utterance: S I L V E R?

utterance: That's right.

utterance: Terrific, and what is your social security number, please?

utterance: I don't got one. I'm just kidding, huh? !

utterance: Ugh. That's OK.

utterance: OK so it's basically two seven nine five six two three five eight.

utterance: Two three five eight. OK and the driver's license and the the state it was issued from?

utterance: Yeah, sure, it's Salt Lake City, Utah.

utterance: And driver's license number is D L seven seven seven three two five.

utterance: Three two five. All right. Terrific, and you have a four digit PIN number associated with your accounts.

utterance: Six three six three.

utterance: Six three six three. Terrific. And then, Jay, what is the email address you'd like to use for this application?

utterance: masculine five six at masculinity dot org.

utterance: Oh, my goodness. All right, I feel the testosterone coming right through the phone.

utterance: Well, you know, the podcast is actually about about healthy masculinity.

utterance: I see. Healthy masculinity.

utterance: Yeah, so.

utterance: That's right. You know, we try to break past the old paradigm of what is expected of the masculine, the man and sorta stepping in to being more open and heart centered instead of head centered, you know, tryna fix things.

utterance: That's a good that's a great idea.

utterance: Avoid the way to fix things and creating a space, a space for other people to just be, you know, and feelings, more focused based on feelings, instead of doings.

utterance: It sounds like you have a wonderful business model there.

utterance: It's a great successful you know podcast and talk show.

utterance: What's the name of your

utterance: podcast?

utterance: It's called Masculinity versus masculine.

utterance: There you go. A little bit of a learning experience there.

utterance: Yes, it is.

utterance: Are you also the sole business owner?

utterance: I am.

utterance: Great, and what is the approximate month that you established the business, and then the year?

utterance: well, it took off. Let's see it's been about a year and a half. So, what are we talking about? Two thousand so mid two thousand nineteen. I I started up, I think it was the July of two thousand nineteen, something like that.

utterance: Hey. OK and what are your gross annual sales for last year?

utterance: we get a lot of We keep getting sponsors and stuff, but I'm talking about maybe, I wanna say. What we talking like? the last I'd say about forty forty thousand.

utterance: Terrific. OK and your tax ID number?

utterance: Sure, it's one four three nine nine six six three five.

utterance: OK very good, and the address for your business?

utterance: Sure, it's twenty-nine Tripp Lane.

utterance: And Tripp, would that be T R P or double P?

utterance: I'm sorry.

utterance: T R I P P.

utterance: OK.

utterance: Tripp Lane. Salt Lake City. Utah. nine six five two three.

utterance: OK and the mailing address the same as your business address.

utterance: Yes, ma'am.

utterance: All right, and what is the amount of the loan you'd like to apply for?

utterance: I wanna good twenty thousand.

utterance: Very good. Twenty thousand, and then there will be a down payment required of between five to twenty percent. What amount would you like to put down for your down payment?

utterance: I wanna do six thousand.

utterance: Six thousand. Terrific. All right I have gone ahead and processed this. There is an email link that just got sent so you can view the application, and please be advised that we will need two photo documents uploaded into the system. The link is in the email. One for your tax ID and one for your driver's license. You are all set, unless you have any other questions.

utterance: You gotta check out the podcast. Masculinity versus masculine. It's on the Apple podcast, so you gotta check it out. It's for everybody.

utterance: Sounds great. Everybody. All r~

utterance: Everybody. Everybody. We have some

utterance: really great guests that we bring on. It's great.

utterance: It sounds great, Jay, I'll check it out.

utterance: All right.

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

utterance: You're the best.

utterance: Bye bye.

utterance: Bye.


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

utterance: yes, I need to do couple of things but first I need to check the balance on my credit card.

utterance: OK, I can help you with that. Whom 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're wanting to check the available balance on your credit card, is that correct?

utterance: yes that's right.

utterance: Can you give me your credit card or your account number?

utterance: Yes so my credit card's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: And can I get that date of birth for you Jill?

utterance: It's March second of nineteen eighty.

utterance: OK Jill thank you. So your account has a four digit pin number on it for security purposes. Can you tell me what that pin number is?

utterance: it should be six four seven eight.

utterance: That's correct.

utterance: What city and state are you in?

utterance: I'm in Kansas City and it's Missouri.

utterance: And what's your street address Jill?

utterance: It's five three nine Hooten Road in Kansas City.

utterance: Thank you Jill. What is the ZIP code there?

utterance: Seven three eight two zero.

utterance: Jill could I also get your social security number?

utterance: yes that's right. It's seven three eight zero two zero seven eight three.

utterance: All right Jill. Let me take a look here for you OK?

utterance: can you tell me real quick what is the business address for Johnson Controls?

utterance: It's eight three seven two and it's Hillshire Way in Kansas City Missouri eight three six seven two.

utterance: OK, Jill. Can I confirm your email?

utterance: It's J as in Jill Baker at Johnson Controls dot com.

utterance: Thank you.

utterance: All right so I've got your card pulled up and it looks like your available balance on your credit card is nine thousand nine hundred dollars and thirty cents. Does that sound correct to you?

utterance: yes that sounds like it's correct.

utterance: OK Jill. was there any other accounts that I can maybe check for you?

utterance: I don't I don't think so. That's the only credit card I have.

utterance: OK Jill. also just in case in the future did you say you did have an online banking account?

utterance: yeah I do. I have access to online banking.

utterance: OK Jill. So if you have access to an online banking account you can also check your credit card balances on your online banking account. You'll just go to the tab. Once you log into your account you'll go to the tab at the top that says credit. And then from there you can just drop down and it should give you all of your credit card numbers. And you can check the balances there and you can even make payments.

utterance: OK thank you. I didn't know that. I appreciate it. I I actually wanted to ask just one more question if you don't mind.

utterance: Yeah that's fine. Go ahead. What's the question?

utterance: So I wanted to ask you a question about the SBA five oh four loans that you have Can you tell me just a little bit about that?

utterance: Yeah so the SBA five oh four loans that we have are specifically for the purchase of real estate purchased for business purposes. with the five oh four loans, the government assumes some of the risk for the loan so it's a little bit easier to get approved than other loans and it also has some better terms and some lower interest rates than some of the normal business loans do. Are you looking to buy some property associated with your business?

utterance: so we're trying to buy a second location. is it possible to apply for the loan for that?

utterance: Yeah absolutely. let me input some the information I already got from you today from your account. The input what I already have gotten and then I will also ask to need you just a few additional questions OK?

utterance: That's fine.

utterance: OK Jill. So what is your tax ID number for the business?

utterance: it's eight three nine two zero one zero. It's a Missouri tax ID.

utterance: Thank you Jill. And what is your annual gross income for the business?

utterance: so twenty twenty, I think it was three hundred and ninety thousand.

utterance: OK. And did you say you already had a property that you were looking at?

utterance: Yes we do. We have one that we're interested in already thank you.

utterance: OK. And can you tell me what the asking price for that property is or how much you're looking to get out of a loan today?

utterance: so the property's a hundred and eighty thousand so that probably be what we need for the loan amount too.

utterance: All right. And can you give me the address that you're looking at there?

utterance: It's three seven three Youngton Road in Lakeview Missouri. it's eight three seven four nine. I'm sorry. Eight three seven four nine zero.

utterance: OK. Jill are you the only owner of the business?

utterance: Yes I am.

utterance: OK. And can you tell me when that business opened?

utterance: it opened in April of two thousand and sixteen.

utterance: All right. And what kind of terms were you looking for on this loan?

utterance: probably like a twenty year loan if possible.

utterance: OK. And were you looking to put anything down towards towards the down payment for the loan?

utterance: I could probably do like five percent down on it.

utterance: OK. All right, Jill. So what I'm gonna do is I'm gonna send all this information through to see if I can get a pre-approval for you on this loan. OK. Can you give me just a moment?

utterance: Yes, that'd be fine.

utterance: All right. it's processing here. Take just a few seconds. OK Jill, so it looks like I did get the preapproval for you on this loan. So what I'm gonna to do now is I'm gonna email you some information. I'm gonna email you a link to our loan portal. It's it's gonna give you a list of documents that I'm gonna to need you to provide. Once you access that email if you can upload those required documents and a loan agent will reach out to you to assist you with that loan process OK? I do want to let you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secured until the information is provided and can be verified OK? do you have any questions about that information?

utterance: No. You said I'll get an email with everything is that correct?

utterance: yeah. So I'm sending in an email right now with all the documents that you'll need for that loan I'll get that sent to you. You'll just get that information uploaded for them and then once once they're able to review that a loan agent will contact you to to kind of proceed with the the loan with you OK?

utterance: OK.

utterance: Was there anything else that I needed from you or that you needed from me today? I'm sorry Jill.

utterance: No, I think that's everything.

utterance: All right Jill. Well, thank you for choosing Intellibank. Good luck with your loan OK?


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

utterance: Hey. How you doing, Jerry. I was gonna stop by but or could you help me transfer some funds?

utterance: certainly. I'll be happy to assist you with that. I'll just need to pull up your account information and ask you a few question. First of all, what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, if you would let me know. What is the name of the business that has an account with us on file?

utterance: Ray's Construction.

utterance: OK, Mr. Freeman and I'm going to ask you several questions to verify your account because here at Intellibank, we take account security very seriously. Is that all right?

utterance: Yes, sir. Proceed on, sir.

utterance: and Mr. Freeman, if you would let me know. What is the name of your of your business address?

utterance: My business address is thirty-six eighty-eight Layman Court Smyrna, Georgia three zero zero eight oh.

utterance: OK. That address again is three six eight eight Layman Court Smyrna, Georgia three zero zero eight zero.

utterance: That's correct, sir.

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

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

utterance: And my phone number is four oh four two two seven six zero seven three.

utterance: OK. thank you for that, Mr. Freeman. And what is the account number that you have with us?

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

utterance: And what is your PIN number?

utterance: My PIN num is one seven zero nine.

utterance: Thank you Mr. Freeman and let me see if I can get this account pulled up for you. How is your day going today?

utterance: it's been a good day. It's been a good very good day. I tell you this it's good to be alive on a good day.

utterance: Oh, that's great to hear, Mr. Freeman, and I was able to pull up and access your account.

utterance: and it appears that you mentioned you wanted to transfer funds between your account so I pulled up here your Business Total Checking account what account did you wanna transfer funds to? Did you wanna pardon me. Did you wanna transfer funds from your savings account or to your savings account?

utterance: I want to transfer funds from my savings account to my checking account.

utterance: OK and what is your Smart account Smart Savings account number?

utterance: seven nine eight six eight nine one two.

utterance: All right that number is seven nine eight six eight nine one two?

utterance: Yes sir.

utterance: And that is the account that you wanted to withdraw funds from.

utterance: Yes, sir.

utterance: OK and you wanted to move that to your Total Checking Account.

utterance: That's correct, sir.

utterance: All right. And what is the amount that you wanted to transfer?

utterance: seven thousand dollars.

utterance: OK and just so that I'm correct Mr. Freeman, you wanted to transfer seven thousand dollars from your Smart Savings Account to your Business Total Checking Account.

utterance: That's correct.

utterance: All right. Let me see if I can get this processed here for you.

utterance: and while I'm processing this for you, Mr. Freeman. Are you aware at all of our of our online banking?

utterance: I heard. But you know, I've been calling so much talking to people on the phone. It has been a habit with me. You know, I've been so used to pretty much old school, you know, maybe I need to update, you know. But right now, I'd just been. Just just call in. Just just talking to a person. Been doing for years.

utterance: And we appreciate that and that's what we're here for and we will remain here for you to be able to speak to us. but we also wanna offer an additional convenience for you where you can simply visit online if you're unable to reach us because it's after hours or what have you and maybe you're traveling and you're in a different time zone from us and so maybe there's a miss on the time zone difference. You can simply visit our website access your account right there online. You could update your address update your phone number. You can check your account balances. You also have the ability to transfer funds between savings-checking or checking-savings. And of course, even check to see, if you're traveling, what location is a branch is near you even if you travel.

utterance: Oh, yeah.

utterance: Now, Mr. Freeman, having said that, I was able to process your request and the seven thousand dollars has been transferred

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

utterance: Oh, that'll be all. Appreciate that. I just want to get that out of the way. You know, cuz it was very important I get that done. I Thank you so much.

utterance: You answered all my questions.

utterance: Well, terrific. Mr. Freeman, we certainly do appreciate you doing business with us and be feel free to call us again.

utterance: Yeah. Thank you very much.

utterance: Bye bye now.

utterance: Bye bye.


utterance: Thank you for calling Intellibank my name is Daisy, how may I help you?

utterance: Hi Daisy, I need to check the balance left to pay on my term loan.

utterance: OK, I'll be happy to help you with that sir. Let's go ahead and pull up your account, what is your full name and address?

utterance: George Emery, one twenty one Parkside Acres Branson, Missouri. Five five three two four.

utterance: Thank you, George. What is your date of birth?

utterance: September twenty first, nineteen ninety-nine.

utterance: And your Intellibank pin number, please?

utterance: Sixteen sixty two.

utterance: Thank you. You said you wanted to check your balance on your term loan?

utterance: Yes.

utterance: How much you have left to pay?

utterance: Yup.

utterance: I see. Please verify for me, your loan account number.

utterance: Sure, it is I'm sorry, I have it written down here somewhere. Do you mind giving me a second to go look for that?

utterance: Take your time, George.

utterance: You know what Daisy I'm looking for it and I can't seem to find it. Is there any way we can check this without the number? Like, is it on my account or something?

utterance: I mean I have access to the number but I absolutely need you to be able to verify it in order for me to proceed. This is for your protection that we ask for this information so that no random person can call up and give us certain pieces of information, but not provide everything You know? I mean we don't want people to have access to your financials that shouldn't. So, unfortunately without that number I will not be able to proceed with this request.

utterance: That's unfortunate. OK well then, I'll find it and I guess I'll just go to a branch. could you tell me the closest branch to me?

utterance: Sure, I'd be happy to tell you the branch location closest to you. closest to you is one sixty seven Pittsburgh Way.

utterance: OK, that's great, that's right next to my favorite restaurant, actually. I think I'm gonna go pick something up before I go, after I go to the bank.

utterance: OK. what's the name of your favorite restaurant?

utterance: Oh that's I forget the name of it, it's Chinese. They have these really amazing sweet dumplings with this great vinegar sauce on the side it's absolutely amazing. What about you?

utterance: Oh I like Chinese food as well, absolutely. Yeah, is there anything else I can help you with today, George?

utterance: Yes, actually. I saw online that you guys have some sort of credit card, I think it's called a silver card. Can you just tell me a little bit about that?

utterance: Are you talking about our Intellibank Business silver card?

utterance: Yeah.

utterance: Oh certainly yeah this card is targeted to small and medium business owners. It allows you to reduce the administrative charges and to easily manage your expenses of your cards online. It comes with no pre-set spending limit so it can adapt to your needs based on your spending behavior payment history and credit profile. It has no annual fee you can earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cash back gift cards travel and more. You have the ability to earn rewards faster with employee cards which are available at no additional cost. If you choose those employee cards you can set individual spending limits for greater control over your company's expenditures. your card transactions will be monitored for possible signs of fraudulent activity using our real-time state of the art fraud monitoring systems. And you will never be held responsible for unauthorized charges made with your card or account information. you can customize your card with your own business logo and design. Does this sound like something you would like to sign up for George?

utterance: not right now, I I think I need to talk to my business associates before I can make a decision.

utterance: OK, would you like me to send you this information via email?

utterance: Yes, please.

utterance: All right George, that has been sent. Is there anything else I can help you with today?

utterance: Nope, that should do it.

utterance: All right, I'm sorry I was unable to help you with your term loan remaining balance, but hopefully you can get that information together and give us a call back.

utterance: Yeah.

utterance: All right George, have a great day and thanks for choosing Intellibank.

utterance: You too, bye.

utterance: Bye, now.


utterance: Intellibank. This is Sam. How can I help you?

utterance: Hey Sam. How are you?

utterance: I am doing fantastic today. How about you sir?

utterance: You know what? I'm doing much better because I I I gotta ask this question. I I was not expecting this at all. Are you like from the East coast?

utterance: Oh man how did you know? I try so hard to hide my accent. I am I am originally from Brooklyn, New York. But I live in Nashville for the past fifteen years. And I try so hard. I I really think that I have a handle on hiding my accent. And then when another Northerner calls they know. So you must be a northerner?

utterance: I I actually am like I I'm from the Philadelphia area.

utterance: OK.

utterance: Not too far away from Brooklyn so you know, a couple hours. So you know in this small little thing call the United States, we're basically neighbors.

utterance: Have you been to Brooklyn though?

utterance: I have not.

utterance: OK well I just have to say that I am almost positive that I could my Brooklyn could beat your Philly in a pizza fight.

utterance: Hold on now. Have you been to Philly?

utterance: I have not.

utterance: Well then touché. It it doesn't matter you know. if I haven't been there and you haven't been there how do either of us know?

utterance: I just have a feeling. So you're saying your pizza. I thought you were known for like Phili cheese steaks.

utterance: Of course but we're so good that we're we're good at pizza too.

utterance: All right well maybe one day I will get to Philadelphia. I would love to because I'm a huge Rocky fan. And I would love to go.

utterance: We are the home of Rocky.

utterance: I know.

utterance: I~

utterance: That's

utterance: Pretty cool.

utterance: I

utterance: I don't need to say anything else.

utterance: All right, all right.

utterance: Exactly.

utterance: So why did I call?

utterance: I don't know! But I'd love to help. I'm here to help.

utterance: All right. So All right. Help me help me help me help me.

utterance: Sure.

utterance: All right Business customer of Intellibank.

utterance: OK.

utterance: and personal as well but my main concern is the business right now. so I was calling to see if you obviously since you answered the phone so now you are the one. If you could help me figure out my debt to income ratio.

utterance: Right.

utterance: Oh yeah. Absolutely. I can totally help you with that. What is your first and last name?

utterance: It's Peter Millison.

utterance: How do you spell your last name?

utterance: M I L L.

utterance: Mhm.

utterance: I.

utterance: Mhm.

utterance: S O N.

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

utterance: It's July twenty-fifth. Nineteen seventy-six.

utterance: OK.

utterance: A

utterance: Bicentennial baby. It's another . You know the birth of the country .

utterance: OK I get it but I I I thought you might you know as as Rocky Balboa I thought you would be Italian. But Millison doesn't sound Italian.

utterance: Yeah.

utterance: We're all Italian at heart or a of them.

utterance: I love it. OK. So wait a minute. I'm so thrown off. Did you give me your date of birth?

utterance: Yeah.

utterance: You

utterance: Did. I'm sorry.

utterance: I did.

utterance: July twenty-fifth nineteen seventy-six.

utterance: Aww.

utterance: Oh my gosh. Mr. you just said that. I'm so sorry. Because I'm thinking of pizza and Rocky. I'm sorry. I I need to get focussed. What is your PIN number?

utterance: It's a bicentennial b~

utterance: Yeah. Bicentennial baby.

utterance: the PIN is two five seven six.

utterance: OK. And what time period were you looking for?

utterance: this quarter.

utterance: OK. so I just need to tell you this. I'm sure you know but it's just a policy of the bank. So the debt to income ratio for your company.

utterance: OK.

utterance: Is gonna be the value of a companies monthly debt payments.

utterance: OK.

utterance: Divided by its gross monthly income.

utterance: Oh. All right. OK.

utterance: OK. Just in

utterance: I know I know you probably knew that but they just like us to tell you. That's just a short summary of of that. But so for you it's twelve per cent.

utterance: Which actually don't sound too bad.

utterance: Right. It's it's good. It's pretty good.

utterance: Yeah like I was I was nervous and expecting to get hit with like thirty percent something like that.

utterance: Mhm.

utterance: Right.

utterance: Mhm. So also. Just to let you know. You don't have to call us. You know and be bothered like being on hold and like waiting to speak to someone. You can just go on we use a lot we tell our customers to use consumer finance dot gov.

utterance: OK.

utterance: OK so like write that down. Put that in your notes. Consumer finance dot gov. You can look that up whenever you want. It's right at your fingertips. So this way you know, you're busy you can just quickly put it in. Take a look. Look at what you want. Bang bang. And then That's it. So.

utterance: Sounds simple to me.

utterance: So Mr. Millison is there anything I can do for you while I have you on the phone?

utterance: No. That's everything.

utterance: OK well thank you so much for being part of Intellibank. And just please feel free to call anytime if you do need us.

utterance: Thank you so much.

utterance: All right. Take care.

utterance: You too.

utterance: Bye bye.


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

utterance: Yes Jerry. I would like to add an authorized user to my account.

utterance: All right. Thank you for giving us a call today Ma'am. I'd be glad to assist you with it.

utterance: Well thank you.

utterance: And if I could ask, what's your first and last name?

utterance: Sylvia Richards.

utterance: Ah. Thank you Ms. Richards. And what is the name of the business that you have on file with us?

utterance: Jones bed and bath.

utterance: OK. Jones bed and bath. And Ms. Richards I'm gonna ask you a few questions because we do need to verify your account for account security purposes because we do take your account security very seriously here at Intellibank. Is it all right if I ask you these questions?

utterance: So yes yes there's no problem whatsoever.

utterance: Terrific. and Ms. Richards if I could ask what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And what is your phone number?

utterance: Six seven eight. Two zero two. Four two five three.

utterance: And what is your email address?

utterance: My email address is S dot Richards at JBB dot com.

utterance: All right. Thank you. And what is the account number that you have with us?

utterance: Nine eight four sixty-five ninety-one. Oh. Just a second. I'm sorry about that. This is not correct. Hold on for me just a moment.

utterance: All right.

utterance: Thank you. All right. The account number is four six five. Nine eight four one.

utterance: All right. Thank you. That's four six five nine eight four one.

utterance: Yes. Thank you so much.

utterance: You're welcome. Not a problem at all. And Ms. Richards if I could ask, what is your PIN number?

utterance: One zero one seven.

utterance: Thank you Ms. Richards. And you mentioned that you wanted to add a new user to your account.

utterance: I sure would.

utterance: All right. I'll just need to ask some information about that new user, if you would let me know what the first and last name is of the new person you'd like to add to the account.

utterance: All right. The new person I need to add to the accounts name is Ruby Malone.

utterance: OK. Thank you. And for Ms. Ruby Malone, what is the address street address for Ms. Malone?

utterance: Nine one five Davis road. Smyrna Georgia. Three zero zero zero eight.

utterance: OK. The city and state is Smyrna Georgia and the ZIP code is three zero zero zero eight?

utterance: Yes.

utterance: OK thank you for that. And what is the social security number for Ms. Malone?

utterance: One two five eight one four three zero five.

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

utterance: All right. It's Ruby dot Malone at JBB dot com.

utterance: All right. Ruby dot lone at JBB dot com.

utterance: Right.

utterance: All right. And what is the date of birth for Ms. Malone?

utterance: February the tenth. Nineteen sixty-five.

utterance: Terrific. February tenth nineteen sixty-five.

utterance: Yes.

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

utterance: Zero nine seven five eight two two eight.

utterance: Thank you for that. And what is the state for Ms. Malone's driver's license?

utterance: State is Georgia.

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

utterance: the PIN number was gonna be one zero three seven.

utterance: All right. Thank you for that Ms. Richards. I will see if we can get you processed here. And it appears that we were able to process your request to add Ms. Ruby Malone to your account. And are you aware at all Ms. Richards of the ability to customize permissions for her?

utterance: No I'm not.

utterance: OK. it's very simple Ms. Richards. of course as you added her as an authorized user for your account you have the ability obviously as the overall account owner to grant her various levels of permission to access your account. For instance she may be able to check the account balance but but she may not be able to transfer funds out of the account. or you can set settings for her where she's able to transfer funds within accounts here at the bank with us but she's unable to transfer funds outside of the bank. So for instance, transferring funds between your business total checking account to your smart savings account with us but not to a smart savings account with us to another bank outside of us.

utterance: OK. That's good because that is something to consider to be done gradually.

utterance: precisely. Obviously you are the account owner so you know what level of trust you have for these particular individuals you add. and Ms. Richards is there anything else I can help you with?

utterance: No there is nothing else for now.

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

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Pilly.

utterance: Pilly?

utterance: Pilly yeah.

utterance: Wow, I've never expected to hear that name today.

utterance: Mhm.

utterance: What can I do for you today?

utterance: Can I tell you a quick story?

utterance: Please.

utterance: So Pilly is the name of my partners pillow.

utterance: Oh that's funny.

utterance: Yeah the sacred cuddle pillow.

utterance: Now, that's wonderful.

utterance: Yeah.

utterance: Yeah.

utterance: How did you get the name Pilly?

utterance: Well it's short for .

utterance: And they just decided to call me Pilly.

utterance: Ok I understand. .

utterance: Mhm. Of course.

utterance: So let me get your credit card number, we'll just get you started in whatever you need to be doing today.

utterance: Mhm.

utterance: OK it's eight eight eight three three three eight three zero three.

utterance: And can I get a date of birth?

utterance: My date of birth?

utterance: Yes.

utterance: Of course, it's zero eight seventeen ninety.

utterance: Mm K and an address?

utterance: Which address?

utterance: Where do you live?

utterance: My billing address?

utterance: Is your billing and your mailing separate?

utterance: Yes.

utterance: Let's go with your mailing address.

utterance: OK, that's gonna be forty-eight Petunia Way.

utterance: Mhm.

utterance: Montana.

utterance: Mm.

utterance: Rhode Island.

utterance: Mhm. Very good. OK.

utterance: Nine nine nine.

utterance: What's your PIN number?

utterance: Nine nine nine. Just tried to give it to you but you weren't listening.

utterance: What can I do for you today?

utterance: Mhm I'd just like to check my credit card due balance.

utterance: Mm K. You have a balance due of fourteen hundred and eight six dollars.

utterance: OK.

utterance: Would you like to pay all of that off today?

utterance: What are my options?

utterance: Well you can pay it off today or you can pay a number that you want or you can pay the minimum which is thirty-five dollars.

utterance: Mm go for seventy.

utterance: I'll pay seventy dollars.

utterance: Wanna go ahead and pay seventy dollars?

utterance: You got yourself a deal.

utterance: Yeah.

utterance: OK I'm gonna go ahead and put that in for seventy dollars. OK that that balance will that new balance will show up in about two to three days. .

utterance: Mm. So what is

utterance: It now?

utterance: fourteen eighty-six minus seventy-three, be about thirteen ninety, that and some change.

utterance: I thought I said I wanted to pay seventy dollars.

utterance: OK. fourteen eighty-six minus seventy puts you at a whopping fourteen sixteen.

utterance: OK great.

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

utterance: How long do I have to pay off this balance?

utterance: What what does that question mean? I don't know what that means.

utterance: How long until?

utterance: What until you pay it off?

utterance: Until I pay it off.

utterance: That's up to you. I mean you pay the minimum balance but that's just gonna that interest is just gonna kill you sweetheart.

utterance: I'm asking just leave ya a broken wet meth on the road.

utterance: Mm.

utterance: Excuse me?

utterance: Mhm.

utterance: So, you know, just something to think about.

utterance: Mm.

utterance: Are you OK, are you a little sleepy? You I know your an opioid there, are you all right there?

utterance: No, I think I took too many pills before I called you.

utterance: No, OK. Wanna go ahead and lay down and I'll call nine one one?

utterance: Can you do some kinda CPR over the phone?

utterance: I don't think so because that involves a lot of hands on sort of thing, I just can't do it .

utterance: You know what, I'm just snapped out of it. It was a momentary lapse so.

utterance: OK.

utterance: Good, good for you.

utterance: And now I'd like to pay the rest of my bill please.

utterance: OK great. So you just pay the rest of the fourteen hundred sixteen dollars. OK, great.

utterance: Mhm.

utterance: Yeah.

utterance: Mhm.

utterance: Can I give you a credit card to use for that?

utterance: Sure, absolutely.

utterance: OK. it's gonna be four four eight three

utterance: Mhm.

utterance: Six one one four seven eight two zero.

utterance: Mhm.

utterance: And then the expiration is gonna be eleven twenty-four and the CVC code is zero two eight.

utterance: OK.

utterance: Mhm.

utterance: Oh I'm so sorry, can you give that to me all again, our computer just went on the fritz.

utterance: Yep, it's four four eight three six two one four eight four three two. Then the expiration was eleven twenty-four and the CVC code was zero two eight.

utterance: OK you have a now zero balance on your credit card.

utterance: Mhm.

utterance: But your other credit card now has fourteen fourteen hundred and sixteen dollars on it so you're gonna have to start paying that off soon.

utterance: Oh.

utterance: Mhm.

utterance: When?

utterance: Well again, it's it's when you pay it.

utterance: When's the first payment due?

utterance: the fourteenth.

utterance: Of this month?

utterance: Of tomorrow.

utterance: OK.

utterance: Yeah.

utterance: OK.

utterance: Well thanks for letting me know, can I get a statement?

utterance: Do you still need that CPR?

utterance: I think I'd just get I'd like a paper statement mailed.

utterance: You got it.


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

utterance: Hi Phillip, my name is Anthony Wright I was looking to set up a notary appointment if you could help me out with that.

utterance: Sure that shouldn't be a problem. Are you an existing Intellibank customer?

utterance: I have in the past. I'm fairly certain I still have my account with you guys. what would you need to look that up?

utterance: Well to start I am going to need your full first and last name as it would appear on your account.

utterance: All right so yeah I can by the name would you need my social that all or my address or anything like that.

utterance: Nope not going to need your social, just your full first and last name as it would appear on your account. Your date of birth your account number and your four digit PIN.

utterance: Gotcha OK so we'll start with name Anthony A N T H O N Y last name is Wright W R I G H T.

utterance: All right Mr. Wright what was that date of birth?

utterance: the date of birth is going to be four seventeen eighty-two.

utterance: OK and did you have that account number?

utterance: yes account number I have here is six two five nine eight seven.

utterance: And your four digit security PIN?

utterance: that's going to be eight two nine nine.

utterance: All right. Please give me a few moments while my system loads.

utterance: All right no worries.

utterance: Sorry about this it shouldn't be much longer.

utterance: All right I have your account pulled up here. I just need to get a ZIP code from you so we can find your closest branch with an available notary.

utterance: All right so my ZIP code would be three zero zero two zero.

utterance: All right our system is searching this shouldn't take more than couple of seconds here.

utterance: OK. It looks like we have a notary available at three two five eight Normandy Avenue. Is that a close enough branch for you?

utterance: would you have anything closer, by chance, that's a little bit of a drive for me?

utterance: We do have another branch at twelve sixty-three Broadway. Would that branch be better for you?

utterance: Yeah that should be better, that that's going with traffic so that that would be great.

utterance: And when were you looking to come in and see a notary?

utterance: let's go ahead and make an appointment for Friday the seventeenth, if I could.

utterance: Let me see if that branch has availabilities that day. and ideally what time of day would you like to come in?

utterance: Let's go ahead and shoot for the afternoon.

utterance: All right. And that was this coming Friday?

utterance: Yes please.

utterance: All right would two o'clock on Friday work?

utterance: Yeah I think two o'clock would work, we can go ahead and pencil that in.

utterance: All right, well I have you down for two o'clock Friday, an appointment with a notary is there anything else I can help you with today?

utterance: No that was all I needed, I appreciate you help.

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

utterance: All right thank you, you as well.

utterance: Bye.


utterance: Hi, my name is Marland. Thank you for calling Intellibank customer service. we are here to help you with all your customer services needs at Intellibank. Before we get started, can I get your first name and last name?

utterance: My first name is Pak. P A K Last name Chan. C H A N.

utterance: All right. Pak Chan OK. I'm bringing up your file. Thank you for calling. all right. Can I get your date of birth and a some more information. Just to verify your identity. But let's start with your date of birth.

utterance: It's January eighth nineteen seventy-seven.

utterance: January eighth nineteen seventy-seven. Fantastic. I am putting that into the system and can I please get your PIN for your account? Now this would be the Intellibank business total checking account, correct?

utterance: Correct.

utterance: All right. Can I get the PIN for that?

utterance: Pin is eight five one six.

utterance: Eight five one six. Fantastic. That was the correct PIN and we have your profile up here All right. So now that we have our profile up, how can I help you?

utterance: OK. Yeah, I just I've been. I really like receiving information from you guys just like newsletters and all that stuff but I haven't been getting them and I was just really confused for a while. I haven't heard from you guys in a long time So I don't know like if I can just maybe my like. I don't know. Like my email address is like. It's like on point It's in the system with you guys. but I do get a lot of spam. Maybe I accidentally deleted it But yeah. I don't know.

utterance: I don't know how you guys can help me here. But yeah I just want. Do you guys still do those news those newsletters? Like cuz the monthly newsletters. Or do you guys do like those promotional offers? Cuz I like. I always like getting those promotionals I like hearing about all your guy's new services that you guys offered that you guys offer and just yeah.

utterance: Yeah we We absolutely still do send out those emails. So it's unfortunate to here that you're not getting these communications anymore. but hopefully we can solve that problem for you today. obviously we want you to getting all your communications from the bank. Otherwise I assume you've been having. you've been. You've been fine using the online features and the mobile banking. Is that how you've been keeping up to date with your services?

utterance: yes.

utterance: OK. Well if If I can identify the problem it seems that it's. The root of it is your email. Is that correct?

utterance: I all of you. I think you're right. Yeah. yes.

utterance: OK. So we have several options that I can suggest to you going forward with your email. we can. we can cancel your email and if it's just a problem all together you can get all your updates through mail. Or alternatively which is a more modern and practical solution would be to change your email. You may have already changed the created a new account and if you'd like to change over the email in your profile that's something easy to do and hopefully that'll solve any problems you have with that.

utterance: OK yeah.

utterance: I like. I like doing everything email. Yes. So yeah, I think that's I think that. Let's do that.

utterance: OK. Fantastic. Why don't we Let me know your old email and your new email and I'll go ahead and make that change for you.

utterance: OK, cool. So my old email is just my name. It's Pak Chan. and then the year I was born nineteen seven seven at Yahoo dot com that's the one you guys. Is that the one you guys had on file? Or.

utterance: Yeah. Yeah. And then.

utterance: I need to update it.

utterance: Fantastic. So we'll go ahead and take that off your profile. Whenever you're ready I am ready to get your new email.

utterance: OK The new. I'm not very creative so it's kind a just. It's Pak Chan. My full name spelled out. one zero zero. at Yahoo dot com.

utterance: All right. Pak Chan one zero zero at Yahoo dot com. You really like Yahoo there, don't you?

utterance: I I like Yahoo. yeah. I've had it my whole life My family has it. yeah. I like Yahoo.

utterance: Well that's fantastic. All right. we are going to go ahead and make that change for you in the email. You should be getting an email conformation about that momentarily.

utterance: Ok. Can you? Can you just hold on? I just wanna make that. Like I just wanna confirm that I get it. So you guys sent it in already. I'm gonna check my check my mail real quick.

utterance: Yes, please. Take your time.

utterance: OK. OK. No I haven't gotten it yet Oh. I have all these emails from my my vet. my veterinarian. Do you have a dog? Can I ask you a question actually sorry? As I wait for the email confirmation. My My vet just said. my dog needed to take flu shot is that Is that normal? I thought I really like my vet but sometimes I feel like she's just trying to make more money off of me, you know? Like do do do you have a dog?

utterance: I do have a dog. I I totally know what you mean. the vet will tell us to get these vaccinations and stuff and usually we we go with the vets recommendation. But you know. It's always up to up to you and your comfort level and I mean you know your dog. So

utterance: That's true. OK. Whoa. I got your guys's email.

utterance: Oh. Fantastic. That's great to hear. Well, I'm glad to hear that. That problem was resolved. is there any other information you'd like to update on your profile?

utterance: no. That's it.

utterance: OK. So otherwise moving forward it seems that you'll be going through email and great. Unless there's anything else please stay on the line for a short survey after this call. Thank you, so much for being a customer at Intellibank.

utterance: Thank you.

utterance: All right, bye.

utterance: Bye.


utterance: Good evening, thank you so much for calling Intellibank where we put your customer needs ahead of everything. My name is Roja and I'm here to assist you on this recorded call for customer satisfaction and your security. May I ask who I have the pleasure of speaking to tonight?

utterance: How are you, Roja? I'm good. I'm. My name is Greg Bates.

utterance: Hello, Greg. How are you doing this evening?

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

utterance: I'm wonderful, thanks for asking.

utterance: Fantastic. All right so

utterance: What I'm trying to do today is number one I wanna see what the exchange rate is. Because I'm planning to travel. Do a little traveling.

utterance: S~

utterance: Oh very nice.

utterance: Surprise.

utterance: The the lady.

utterance: OK.

utterance: Gonna ask her to marry me.

utterance: Wonderful.

utterance: Gonna take her to a really nice place. But I don't want to look like a broke guy so I wanna make sure that my money's converted correctly.

utterance: OK.

utterance: And and yeah. I wanna see what the exchange rate is.

utterance: Sounds good.

utterance: Then we're.

utterance: Gonna go from there.

utterance: That way you can maybe put a beautiful diamond ring in a glass of champagne so when she goes to drink her champagne she's been surprised with a marriage proposal.

utterance: Now you tell me this. Because this is what's interesting to me. So that's the standard of happiness to you? Is champagne and a diamond ring? Do you think that's. It's what every woman wants? Right?

utterance: Yeah.

utterance: Mhm.

utterance: Does every woman want a diamond ring?

utterance: Does every woman want a. Want a diamond ring and a glass of Champagne? Does that fulfill all of her necessities?

utterance: Oh it definitely does. Does not fulfill all the necessities. But I think most women would like a nice ring whether or not it's a diamond doesn't. You know everybody's different but I do think a woman would like a nice ring. I know.

utterance: Her dreams?

utterance: Why do you think that is?

utterance: Well of it's a sign of. Well first of all, it's tradition. It's. It's what's expected. Not that you have to do what's expected but It's a. It's a. It's, it's a sign that you love her. It's a sign that you value her and it's.

utterance: And do you think?

utterance: I can value and love her without the ring?

utterance: I think it's a promise of what's to come. So it is also a way of showing a woman that a man has a stable source of income.

utterance: OK, so you're talking about security and safety.

utterance: I think that's a part of it, yes. I mean, I think love is important but I think

utterance: OK.

utterance: Security and safety. Knowing there's a solid foundation of some sort of security and safety.

utterance: Or even if that foundation falls apart, that that the people together can put their put their brains together and figure out a new way of doing things.

utterance: I like that better. I like that better because I think the diamond ring can be very deceiving, you know? I think that love and value and all those things can still be there without the diamond ring. It doesn't have to be a diamond. .

utterance: And, and, and yeah and every couple's different. Some Some woman might not even want a ring. Some woman get a tattoo.

utterance: That's true. That's that's very true.

utterance: I think

utterance: And I think it just depends on, and I'm thinking.

utterance: On a

utterance: Person, right?

utterance: yeah and I think each couple makes that determination together.

utterance: So it's different for everybody you're saying?

utterance: I think so, yes.

utterance: There's.

utterance: There's no actual standard for this.

utterance: But I do think that a night. Catching a woman off her guard and surprising her. That's what I just.

utterance: That she's.

utterance: That's when you.

utterance: Said the champagne but I think I.

utterance: I I love

utterance: That. I love that. I love to surprise her and catch her off guard because I think this is gonna be really exciting for her. But anyway I like you put some thought into this answer.

utterance: I really appreciate you.

utterance: Well you're asking so of course I wanna answer it for you.

utterance: Not everybody will answer it like that so I appreciate you engaging in the conversation. Anyway so I wanna know the exchange rate now.

utterance: And for what country are we talking about?

utterance: Where do you think I want to take her?

utterance: I think you would like to take her to Italy.

utterance: How did you know?

utterance: Well I'm an Italian so it's just in me but.

utterance: That's exactly right. I'm gonna take her to Rome.

utterance: Yeah.

utterance: Beautiful. Beautiful.

utterance: I'm gonna take her to Rome. I'm wanna take her to Rome and show her.

utterance: That you're gonna give her the world.

utterance: That I'm gonna give her the world.

utterance: Or that you're gonna build the world together.

utterance: I'm gonna show her Rome. I'm gonna give her Rome.

utterance: There you go.

utterance: Fantastic. I love. I love your ideas here. So let me just pull up your account information. What is your four digit pin number?

utterance: Six five eight three.

utterance: Six five eight three. OK, great. I see your account's with us. So let me look here for converting the dollar to the Euro. It looks like looks like the Euro's coming in at one point two five compared to the dollar so it looks like the Euro's doing, doing really well.

utterance: Uh-huh.

utterance: Oh great, what are we looking at?

utterance: OK. That's beautiful. I like that.

utterance: So for example if you're lookin at a thousand American dollars you're gonna be getting fifteen hundred Euros for that.

utterance: Okay fantastic. I think that's fantastic, yeah. I like that. Good. Well great this answers all my question. We're going out of town tomorrow so Thank you. Thank you for. For the information and. And I hope it stays that way so when I get there I can get a nice exchange.

utterance: Yeah.

utterance: Well I wish you and your Your fiancé to be a wonderful trip. And a long happy life ahead of you.

utterance: I appreciate that. I can't wait.

utterance: I will toast to you on my next glass of Champagne.

utterance: I love it.

utterance: Okay mate yeah.

utterance: Thank you for call Intellibank and have a wonderful night.

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi this is Dani Brooks at Intelli Banking. How can I help you today?

utterance: Hi Dani, this is Rasario. How are you?

utterance: I'm good. How are you?

utterance: Good good. Is this, are you a financial advisor?

utterance: I'm actually not a financial advisor.

utterance: Oh.

utterance: OK I. Yeah that's the reason for my call. I tried to schedule an appointment on the website but for some reason it's just not working on my end. So I just wanted to call and see if I could set something up.

utterance: Yeah I can go ahead and help you with that.

utterance: OK perfect. Let's let's do it.

utterance: Can I start off by getting your full name?

utterance: Yes yes it's it's Rosario Martinez.

utterance: OK and would you mind spelling that for me?

utterance: Yeah yeah Rosario. R O S A R I O Martinez. M A R T I N E Z.

utterance: OK great and can I also get your date of birth?

utterance: Of course, of course. It is two thirteen eighty-five.

utterance: Two thirteen nineteen eighty-five.

utterance: That is correct.

utterance: OK great. I'm gonna go ahead and pull up your account. Can I get your credit card number please?

utterance: Yes. Hold on one second, let me pull that right up. I you know I thought I had it on me. Can I I have to run upstairs real quick. Can you? Do you mind? giving me like thirty seconds and I'll go grab it?

utterance: No no.

utterance: Of course, take your time.

utterance: OK thank you. How's your day going so far?

utterance: my days going pretty well. How about yourself?

utterance: Good good good. You wrapping up? You almost done with the day?

utterance: I have a few hours left.

utterance: OK OK. I know how that goes. They'll they'll they'll fly by they'll fly by. OK here it is here it is I. It's four four eight six.

utterance: Mhm.

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

utterance: OK so just to confirm that's four four eight six nine nine five two four four three five nine seven four one?

utterance: That's that's it.

utterance: OK great. So before we can proceed any further I just need to verify some information for the security of your account.

utterance: OK whatever you need to know.

utterance: OK great. can I start by getting your PIN number?

utterance: yeah it's two one five eight.

utterance: Two one five eight. OK perfect. And I'm gonna go ahead and ask you some security questions. You might remember that you set these up when you created your account.

utterance: OK.

utterance: OK so what street did you grow up on?

utterance: I I grew up on on Agenda Avenue.

utterance: Agenda. OK. And how many siblings do you have?

utterance: I have four.

utterance: OK perfect. OK so I'm pulling up your account right now. Just one moment. OK I see you I see you in the system. And so today you were looking to set up a time to speak to one of our financial advisors right?

utterance: I would love that. I would love that yeah. It's could we do that today? Is that?

utterance: let me check. Let me pull up our scheduling system. One moment. OK so unfortunately it does look like we're all booked up today.

utterance: Oh yeah?

utterance: But let me see the earliest I could get you in. we do have some availability tomorrow if you're interested in that?

utterance: That's OK.

utterance: OK yeah what what time could we do it?

utterance: we do have several appointments throughout the day. What what time were you looking at? Morning evening?

utterance: Morning or middle of the day is is good.

utterance: OK so we have one in the morning at eight thirty a.m. and then we have one in the middle of the day at eleven thirty.

utterance: Eleven thirty. Let's do eleven thirty.

utterance: Eleven thirty OK. So I'm putting you down for eleven thirty tomorrow. And did you have a specific way you'd like this to be conducted? Would you like us to email you, call you or would you like to come in in person?

utterance: You know I don't live too far away. I I can come in in person.

utterance: OK great. Well we will be happy to see you. So again that is tomorrow at eleven thirty and you will let me see sorry who's on the schedule to be working at that time. OK we got Rick Jones at that time. So he will be meeting with you and you just come on in give the front desk your ID and let them know you have a meeting scheduled and they'll set you up.

utterance: OK that's perfect that's perfect. So all right I I look excuse me I I look forward to it. And he'll have he'll have all my information right? Like he'll.

utterance: Yes, he will.

utterance: Have everything in the system.

utterance: OK well that this is easy enough. I I really I'm I'm glad you helped me out with this.

utterance: I'm glad to hear it. Is there anything else you need help with?

utterance: That's it. Thats.

utterance: OK great well you have a great day.

utterance: Thank you.


utterance: Thank you for calling Intellibank business and commercial banking division. This is Sam. How can I help you?

utterance: Yeah. Hey Sam. This is John Rivers over at Three Rivers Pepperoni Pizza Palace.

utterance: Hello, John. How can I help you today?

utterance: Well I called earlier this week to set up a one time loan payment.

utterance: Yes. I do remember that.

utterance: Yup. All the business is completely perked up to the point where I think I'm gonna set up an automated payment.

utterance: OK. I can definitely help you with that here. Just gimme one moment to switch screens. OK. Can I please get the first and last name?

utterance: that's John Rivers and the account numbers are twenty-three seven nine zero seven five zero zero one.

utterance: which which one of those was the the loan account? The seven nine zero or the zero zero one?

utterance: the seven five zero zero one.

utterance: That's your loan?

utterance: Yes. The other one was my checking.

utterance: OK. Can I please get your date of birth?

utterance: One eighteen of eighty-four.

utterance: PIN number?

utterance: Two five eight oh.

utterance: OK. And.

utterance: The amount I wanna do is the standard hundred and fifty.

utterance: OK. And what is the date that you're wanting this to pull?

utterance: January nineteenth. Well sorry. my bad. I'm reading my I was reading something else. I've got like three things going on at once.

utterance: Oh, no worries.

utterance: the eighteenth of every month.

utterance: Eighteenth of every month. OK. And are you wanting that to still start this month on the eighteenth?

utterance: Yes. If I can get that done that'd be great.

utterance: OK. So I have a hundred and fifty dollars set up to pull out on the eighteenth of every month to your loan seven five zero zero one. And you're wanting to have the funds taken out of your checking account. Is that correct?

utterance: That's correct. Yes.

utterance: OK. Just wanted to double check and make sure we had all that. OK. I've got that submitted and changed. your one time payment has now been turned into the automatic loan payment. whenever you want to just stop that automatic payment, just feel free to give us a call and we'd be more than happy to stop the automatic payment.

utterance: All right. That sounds great.

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

utterance: No. You've been really helpful. Thank you, Sam.

utterance: OK. Well if you have any questions in the meantime, don't hesitate to reach out.

utterance: I won't.

utterance: You have a good day. Bye bye.