utterance: Good afternoon, my name is Maryellen. Thank you For calling Intellibank. How may I help you today?

utterance: Hi Mary, my name's Mark and I'd like to make a transfer to my. a wire transfer to one of my external accounts.

utterance: OK Mark, I'd be happy to help you with that. You'd like to make a wire transfer from one of your existing accounts into an outside of account, correct?

utterance: Yes.

utterance: OK great.

utterance: Mark, let me just get some information from you so I can best help you.

utterance: Mhm and I also have a question about one of your card. Credit cards if you could help me with that as well.

utterance: Oh.

utterance: Sure. Would you like to ask me the question now or after I access your information.

utterance: I'll I'll just ask you now. do you know what the credit?

utterance: What the number level of credit has to be to be able to get a gold card?

utterance: To get a gold card?

utterance: Yes.

utterance: You know, for that I would have to transfer you to someone in our credit Credit card department because there would be some information they would need to get from you to give you that.

utterance: Would you like me to transfer you when the call is complete?

utterance: no no that won't be necessary. I was just curious.

utterance: OK I can see things on if you have an existing account with us. But to open a new one I would have to transfer you an agent for that.

utterance: No well. No I didn't wanna open it. I was just curious what the. What level of credit you would have to have to be approved for it.

utterance: Right, I understand. Yeah and I would need to transfer you to a credit card specialist for that.

utterance: OK, no worries.

utterance: All right. Well Mark, let's see. Your first name is spelled M A R K?

utterance: Yes.

utterance: Great, and may I have your last name please? And could you spell that for me?

utterance: Stevens.

utterance: S T E V E N S.

utterance: OK, and may I have your date of birth?

utterance: Yes, it's six twenty-six eighty-four.

utterance: OK, and the account number that we'll be working with today.

utterance: Yes. It is. One second please.

utterance: Take your time.

utterance: Where did it. Oh here it is. Two four four eight four two. That's a lot of fours.

utterance: Yeah. OK. Two four four eight four two.

utterance: Yes.

utterance: OK, and for security purposes, what is the name of the street you grew up on?

utterance: Valentine Street. I'm sorry I just watched Batman. It's twelve thirteen Valentine Street.

utterance: Twelve thirteen Valentine Street. OK, and yes that does help me access your account.

utterance: OK Mark, I see here that this is your Business Total. Your, excuse me, your Intellibank Business Total account and did you need to. For me to check your balance for you as well?

utterance: I mean, sometimes when I check my balance it hurts my feelings.

utterance: Oh .

utterance: Oh

utterance: I'm not sure if I should do that right now or not. You know what? Let's stay in the dark on that.

utterance: All right.

utterance: I'd just like to transfer two thousand.

utterance: OK.

utterance: And yeah wire transfer that to.

utterance: I have the routing number if you're ready.

utterance: I sure am.

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

utterance: OK, one moment while I input this and I'm just gonna repeat it back to verify it.

utterance: OK.

utterance: That is eight nine two one seven three four six four.

utterance: All of it is correct. The only problem is it didn't sound like you had a smile on your face when you said that.

utterance: Oh, I'm sorry. I was typing and reading at the same time.

utterance: Yeah I'm just kidding.

utterance: No that's Thank you for that, Mark. Made me smile.

utterance: And do you have the account number that we'll be transferring it to?

utterance: I.

utterance: I do. It's three two three four double oh.

utterance: Like double oh seven.

utterance: Like double

utterance: Oh seven. I was gonna say. Ha, OK. All right. So let me just confirm back what we are doing today.

utterance: Yes.

utterance: Mhm.

utterance: From account number two four four eight four two we're transferring two thousand dollars and the routing number is eight nine two one seven three four six four and we're transferring it to account number three two three four zero zero.

utterance: Yes, and I almost forgot.

utterance: this is a domestic transfer. .

utterance: Oh

utterance: Yes, yes. It. When I pull it up it does show as domestic.

utterance: Perfect.

utterance: OK. So I'll go ahead and transfer that. Just bear with me one moment while I complete the transaction.

utterance: No problem. Take your time.

utterance: Thank you.

utterance: I didn't really mean take your time time, but you know .

utterance: I know what you meant.

utterance: OK Mark, the transaction is complete. The funds will be available in your account by tomorrow morning or twelve oh one tomorrow.

utterance: All right. If it's not there I know where you live.

utterance: You. You. You come back and talk to me. also just to let you know an email confirmation has been sent with the confirmation .

utterance: Number, unless you'd like that now.

utterance: Oh no that's fine. That's excellent.

utterance: Thank you so much.

utterance: You're so welcome, Mark. Is there anything else that I can help you with today?

utterance: That'll do her.

utterance: You enjoy your day.

utterance: Thank you. You have a great day, Mark. Thanks for calling Intellibank.

utterance: All right.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes, I'm growing a business and you know I'm thinking I need some money to expand.

utterance: Okay, sure. And I'll be happy to help you with that. Potentially are you considering looking at you we do offer loans here business loans, is that something you were considering?

utterance: Well

utterance: You know what, I really need to add an employee to that I'd hire that's going to be working with my payroll, but they're not able to do that right now so can you help me with that?

utterance: Oh well sure yeah absolutely I mean I'll be happy to help you with that. I'll tell you what let me just ask first of all, what is your first and last name ma'am?

utterance: Evelyn Richards.

utterance: OK and Ms. Richards, what's the name of your business that has an account with us?

utterance: Jones Bed and Bath.

utterance: All right and Ms. Richards, I'll just need to ask a few questions to verify your account. what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: All right and what is your account number with us?

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

utterance: And Ms. Richards what is your PIN number?

utterance: One zero one seven.

utterance: OK terrific. Thanks.

utterance: Thank you. All right so how is it going today?

utterance: Oh it's going very well thanks for asking. I I of course getting ready for the terrific weekend. no, next weekend I think is gonna be what Halloween weekend and so it's gonna be fun seeing all the costumes and makeup and all of fun stuff that happens around town during Halloween.

utterance: Exactly.

utterance: And Ms. Richards, let me go ahead and say I pulled up your account and you said that I probably offer is you may want to just add your new assistant as a user to your account because if she is handling your payroll if she has access to your account she'll then be able to log in and disperse funds to your payroll so that she can make sure that your employees are being payed. does that sound like something you were wanting to do?

utterance: Yes that is what I want to do.

utterance: OK and if I could just ask, Ms. Richards, what's the first and last name of the person that you want to add to the account?

utterance: Barbara Freeman.

utterance: All right, Barbara Freeman. And what is Barbara's Ms. Freeman's address?

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

utterance: OK and let me just repeat that and you said that's one four one Oakwood Avenue, Avondale Estates, Georgia three zero zero zero two?

utterance: Right.

utterance: All right and Ms. Richards, what is Ms. Freeman's social security number?

utterance: All right it's zero eight eight five six seven three one zero.

utterance: OK and do you know what Ms. Freeman's driver's license number is?

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

utterance: OK and what is Ms. Freeman's driver's license state that that is in?

utterance: Georgia.

utterance: And what is Ms. Freeman's date of birth?

utterance: Three twenty-six seventy.

utterance: And the email address that you have for Ms. Freeman is?

utterance: B Freeman at Jones B B dot com.

utterance: OK and did you want to create a PIN number for Ms. Freeman so she'll have access to the account?

utterance: Yes.

utterance: All right and what is that number?

utterance: Two zero seven three.

utterance: Two zero seven three is the PIN number.

utterance: Right.

utterance: All right terrific. And I've gone ahead here and added Miss Freeman to your account. with us here and let me ask is there anything else that I can assist you with?

utterance: No, not today.

utterance: Terrific. Well just so that you know, you also can go online with us, Ms. Freeman, pardon me Ms. Richards, you can go online with us and you can, of course if you wanted to log into your online account and you could've actually added any additional authorized users right there online as well, in addition to giving us a call here at the help line.

utterance: OK, great. I I will look at that maybe the next time.

utterance: Not a problem at all we're more than happy to assist you here at the help line. Feel free to give us a call but just as an option for you in the future, there is also the online alternative as well.

utterance: All right.

utterance: Again, thank you for giving us a call here at Intellibank and if that's all, you certainly do have a terrific rest of your day.

utterance: And you, too.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, my name is Jake. Can I get your first and last name please?

utterance: Yes, this is Monica Stevens.

utterance: Hm how you doing today Ms. Stevens?

utterance: I'm doing OK, I'm doing OK.

utterance: Mm.

utterance: That's good. Also can I get your date of birth?

utterance: One one nineteen sixty.

utterance: Mm OK. Also for security purpose, can I get your email that we have on file?

utterance: Yes it's organic peach at Gmail dot com.

utterance: All right. Also for security purpose, can I get the drivers license or state ID number?

utterance: Yes it's P G one three three seven four eight.

utterance: Seven four eight?

utterance: Yes.

utterance: OK. OK Ms. Stevens, how can I help you today?

utterance: Yes I wanna do a exchange rate.

utterance: Exchange rate?

utterance: Yes for Japan.

utterance: OK.

utterance: Yes. And I wanna do, let's see, about a thousand.

utterance: A thousand?

utterance: Yes.

utterance: Mm OK.

utterance: All right. Let's see. For a thousand the exchange rate would be at eight point six percent.

utterance: OK.

utterance: Mm OK. were you gonna make the exchange today?

utterance: Yes I would like to. If that's possible.

utterance: Yeah we can do that.

utterance: OK.

utterance: OK. We're looking at said for a thousand right?

utterance: Right.

utterance: OK. Well it's eight point six percent. That's be a thousand and fifty-eight dollars.

utterance: Fifty-eight dollars?

utterance: Yeah.

utterance: Mm OK. And we're doing this with the the same company?

utterance: yes.

utterance: OK.

utterance: Please.

utterance: All right. To verify, can you give me the account number that you wanna use?

utterance: Yes. It's A A zero zero one four five five six zero zero nine eight.

utterance: Six zero zero nine eight?

utterance: Yes.

utterance: OK. All right. And this is for the Wu Yang shop?

utterance: Yes.

utterance: OK. Alrighty. Transferring a thousand US dollars into Yen.

utterance: It's amazing how a thousand here or a dollar here and it's like.

utterance: Yeah. Yeah.

utterance: Almost half a million over there.

utterance: Yeah, right.

utterance: OK. That transaction should be done within the next twenty-four hours. Would you like your account balance?

utterance: OK.

utterance: Yes and I was I know I have a app follower, you know I can follow on the app, but is there anyway I can have a paper? transaction paper? the transactions.

utterance: Yeah. .

utterance: OK yeah.

utterance: We can set that up for you. We can actually set it up for email and by mail, so every month you receive.

utterance: Mkay.

utterance: OK.

utterance: Transaction list, OK. yeah let's go ahead and do that. And you want this for just your savings?

utterance: All righty. That's perfect.

utterance: Yes.

utterance: OK.

utterance: Mm OK. And this is going to the email organic peach?

utterance: Yes.

utterance: OK. And just to make sure, the address that we have on file? Is that the Tea Court?

utterance: Yes.

utterance: OK.

utterance: New York, New York?

utterance: Yes.

utterance: OK. What's the ZIP code for that?

utterance: One zero. Wait a minute. One zero zero zero six two.

utterance: Is it one, OK one zero zero six two? Or three zeroes?

utterance: two zeroes.

utterance: OK.

utterance: sorry about that.

utterance: You're fine. I had to double check cuz in the system they don't show the ZIP code, they just show the the city. are OK. I'm a make sure we send those out to you. you'll get a monthly statement, probably more toward the end of the month. It's usually.

utterance: Right.

utterance: Oh OK.

utterance: Three to four days before the end of the month, yeah you'll receive a statement. and your transaction exchange went through. And your.

utterance: Oh OK.

utterance: Great.

utterance: And your balance is at seven thousand six hundred forty-eight dollars and nineteen cents.

utterance: Alrighty, thank you. I appreciate that and you have a great day.

utterance: You too. Thank you for calling Intellibank.

utterance: Alrighty, bye bye.

utterance: Bye bye.


utterance: Hello, thank you for calling Intellibank. My name is Suzette. How may I assist you?

utterance: Hi, I'm trying to get access to my account and for some reason the website's not working and I've tried to tried to go through, ya know, the automated system and find what I needed but also couldn't find that either so I needed to talk to someone to hopefully get this done.

utterance: I'm sorry to hear that you're having problems online. sir, what type of account were you trying to access on the website?

utterance: Oh, my real estate account.

utterance: Ok, so your real estate loan?

utterance: Yes.

utterance: OK. let me just ask you a few questions so I can pull up your account for you sir.

utterance: OK.

utterance: May I have your name please?

utterance: Yes, it's Bobby.

utterance: B O B B Y?

utterance: Yes.

utterance: OK.

utterance: My last name's Wise.

utterance: I'm sorry, I didn't hear that. Could you spell that for me?

utterance: W I S E.

utterance: Oh Wise, OK, and will I find you under Bobby or Robert?

utterance: Bobby.

utterance: OK, one moment please.

utterance: All right, and your date of birth please?

utterance: Two twenty-seven nineteen eighty.

utterance: Two twenty-seven nineteen eighty huh you came pretty close to being a leap year baby.

utterance: I did.

utterance: OK and I will also need your real estate loan number.

utterance: right.

utterance: The account number, excuse me.

utterance: Could you hold on for one second while I go get that?

utterance: Certainly.

utterance: OK

utterance: You have it?

utterance: Yes, I think so.

utterance: OK.

utterance: eight four four, three nine.

utterance: Eight.

utterance: I'm sorry, eight four four.

utterance: Three nine seven.

utterance: Three nine seven. OK let me just input that into the system. OK and then last I just need your four digit PIN number.

utterance: Right, three two seven eight.

utterance: Three two seven eight.

utterance: Mm-mm.

utterance: All right. So let me pull up your information. You wanted to know the balance?

utterance: Yes.

utterance: All right. Balance I see here is six hundred ninety-eight thousand, three hundred dollars.

utterance: And could you just tell me what the interest rate is on that account?

utterance: The current interest rate is fourteen percent.

utterance: Fourteen percent. Fourteen percent. I guess it's really not worth re-financing that much. The other loan is only thirteen point nine. to go through all that trouble just for that little bit. OK could you tell me when my next payment is due?

utterance: Certainly sir, let me look that up. Your next payment will due will be November fourteenth.

utterance: OK .

utterance: It looks

utterance: I'm sorry to interrupt you. It looks like a payment was just made on October six I'm sorry. October fourteenth so a payment was just made this month.

utterance: OK, great. OK I was actually wondering about that. I was wondering about the the Intellbank business gold card.

utterance: Intel. You mean the Intellibank?

utterance: Yes.

utterance: OK you the gold credit card?

utterance: Yes.

utterance: I see what question did you have about that?

utterance: Does it matter if I have a real estate account with you guys? Like, would that affect me getting approved, or not, for this card.

utterance: I you know, I am not a credit card specialist. having you having you as a member having loans or checking accounts will always be in your favor. However, I can't say if that would be reason to be approved for the card. You would just have to go ahead and apply for the card.

utterance: Got it. OK. Well, I just figured I'd just ask.

utterance: Of course, of course. Yes I would definitely encourage you you've a long standing customer with an excellent record with us, so I would encourage you to apply.

utterance: Thank you very much. That's all I need for tonight. I appreciate it and you have a great night.

utterance: Thank you Mr. wise, you have a good night too. Goodnight.


utterance: Good evening. My name is Linda and thank you for calling Intellibank. How may I assist you tonight?

utterance: Mm hi Linda. I'm calling because I need to change my statement delivery method.

utterance: All right I hear you'd like to change your statement delivery method. I'd be glad to assist you with that.

utterance: Yeah. All my mail's going to the wrong address and.

utterance: Oh.

utterance: No.

utterance: Figured I don't even need it anymore. I'll just check my email if I want it. If I need the paper I'll just print it out.

utterance: OK so we're going to change your statement delivery method. But instead of going to the address you'd like it to go to your email account.

utterance: That would be one hundred percent correct.

utterance: OK and I can also make sure that we have the right address in your system for you as well. may I get your name sir?

utterance: Yes but I have one other question right quick. would you also be able to confirm my my account balance in my intel bank preferred checking account?

utterance: OK.

utterance: in your Intellibank preferred checking account?

utterance: Yes.

utterance: Yes.

utterance: Of course I can not that's not a problem. Let me just get some information so I can pull up your information. What is your name sir?

utterance: I'm sorry I just had a lot of caffeine. let me get some information.

utterance: Oh.

utterance: so I can pull up your information.

utterance: Oh did I say that? Then I probably need some caffeine. OK.

utterance: Guess it's been a long day for both of .

utterance: It

utterance: Has been oh thank you OK.

utterance: OK, Let me give you my information so you can pull up my information.

utterance: OK.

utterance: what did you need first?

utterance: let's start with your name.

utterance: Right of course. My name's Joe. not short for anything just Joe.

utterance: Just Joe OK.

utterance: Last name Burns spelled just how you'd think it would be.

utterance: B U or B Y? B U R N S. OK Joe Burns. All right. All right Joe Burns may I also get your date of birth?

utterance: Yes.

utterance: Yes it's twelve one nineteen ninety.

utterance: Twelve one nineteen ninety.

utterance: Mhm.

utterance: OK. Very good and to access your account may I get your four digit PIN number please?

utterance: Yes you may. It's six six five zero. And only two other people know this code besides you. So if anything happens to my account.

utterance: don't worry I head codes all day long. They go in one ear and out the other. I just put them into the system.

utterance: Mm that's what they all say

utterance: Oh well just so you know Joe we do take your security here very seriously. All employees are screened and have background checks. And your your information is just in the system.

utterance: Well in that case I'd like a copy of all the employee's background checks so I run my own background checks cuz my business is very I'm just joking.

utterance: No I I I listen I understand. Joe may I please have you account number?

utterance: Yes could you hold for one second?

utterance: Sure.

utterance: All right I'm back. I apologize. Just needed to break a little wind but didn't want to do that on the phone.

utterance: Thank you.

utterance: What was you asking for again?

utterance: because you wanted to check your account balance for the preferred checking account I just need the account number.

utterance: Oh yes. Right. got it. Eight eight one seven nine two.

utterance: All right. Eight eight one seven nine two. All right. All right. Give me one moment so I can check your balance.

utterance: Yes.

utterance: All right I see your balance here is nine thousand nine hundred and sixty-seven dollars and forty-two cents.

utterance: Excellent and can I get that withdrawn in like five dollar bills, one dollar bills. I'm just messing. I'm I'm a clown as you can tell.

utterance: That's OK you the make you make the night interesting.

utterance: all right so that is your account balance and then we will be changing your delivery method. You want to go paperless. You want this delivered to your email account.

utterance: actually you don't even have to deliver it to my email account. If I if it could just be like loaded you know in your cloud or whatever on the website. So I if I need it I can you know go on the website and download it.

utterance: All right. Do you OK you can do that. Do you have our app do you have that?

utterance: Yes I do.

utterance: OK great cuz that would be the the best way to access that. So let me take you off paper statements.

utterance: OK.

utterance: All right that's been taken care of. and lastly you said that you the statements were going to the wrong address. Would you like me to update the correct address in our system?

utterance: no that's fine. I actually don't have that much time left to be able to I got I gotta run but

utterance: All right.

utterance: And you you can do that online too. You can do that right on the app if you'd like to make sure that we have your correct address on file.

utterance: OK perfect.

utterance: All right is there anything else I can assist you with while we have you on the phone?

utterance: I think that will be all.

utterance: All right well I thank you so much for calling tonight Joe. You are a valued Intellibank customer and you have a great night.

utterance: Thank you. You too.

utterance: Mm bye.


utterance: Hey there, you are speaking with Alex from Intellibank, and who am I speaking with?

utterance: Hi Alex, this is Tom.

utterance: Hey Tom, nice to meet you.

utterance: Nice to meet you too.

utterance: And where can we get started today?

utterance: just calling about your savings account, like just need some info on that.

utterance: Mhm.

utterance: Yeah, sure thing. Well, you can either open a personal or business savings account independently or you can link it with an existing checking account.

utterance: Mhm.

utterance: the service fee's twelve dollars monthly unless you deposit a minimum of three hundred dollars into your account. if you always have three hundred dollars in your account, you'll never be charged the service fee. And the interest rate is two percent.

utterance: OK. Great. I I'm gonna sign up for that then.

utterance: OK. Great. Would you prefer a personal account today or a business account?

utterance: a business account please.

utterance: OK.

utterance: Great. And do you have an existing checking account?

utterance: I do, yeah.

utterance: OK, let's see if we can pull that up.

utterance: OK.

utterance: And what is your last name?

utterance: Attell. A T T E L L.

utterance: Attell. All righty. And could I get your mailing address, please?

utterance: yeah, my mailing address?

utterance: That's right, your mailing address. Let's see if we have it on file here.

utterance: OK. six three zero zero Wilshire Boulevard Los Angeles, California nine zero zero three six.

utterance: Mhm. OK. And the last four of your Social?

utterance: three one five zero.

utterance: Great. And do you have a driver's license number?

utterance: yes, I do.

utterance: OK. Great. Let's see if we can pull that up.

utterance: Five three five two.

utterance: OK. And then what is your email address?

utterance: Wichita files at Yahoo dot com.

utterance: Wichita files at Yahoo And then what's your customer PIN number?

utterance: Three three five three.

utterance: All right, I'm gonna take a look and see if we can find your info in our system. Do you mind if I put you in a ?

utterance: Yes.

utterance: All right, it looks like I found your checking account here.

utterance: OK. Great.

utterance: Yeah, of course. and then you wanted to open a business savings account, is that correct?

utterance: yes.

utterance: OK. Let's see here. OK, so what we could do is we could transfer funds from your checking account into your new savings account and as long as you transfer a minimum three hundred dollars you will not be charged a service fee.

utterance: Oh, OK. That works for me, thank you.

utterance: OK. Perfect. We'll go ahead and do that right now. And, while I'm getting this started for you, do you have any questions for me about your account?

utterance: no, I don't think so.

utterance: OK. All right, well we have you all set up here and if you'd like I can send you a confirmation email of all these details included as well.

utterance: thank you so much.

utterance: Of course, is there anything else I can help you out with?

utterance: No, I think that should be it.

utterance: All right, you can expect that email within the next five minutes.

utterance: OK. I'll be looking.

utterance: Great.

utterance: Thank you.


utterance: Hello, and thank you for calling Intellibank.

utterance: My name is Vanessa and I will be assisting you on this call today.

utterance: How may I help you?

utterance: Hey. yeah I was looking at some of the documentation I need for a seven something loan. I don't know what it's called.

utterance: OK. are you asking me for what type of documents that you need? Or, do you need to upload them?

utterance: Well right now I just want to figure out what I need.

utterance: OK I was looking online. I couldn't find where it said this is what you need.

utterance: Got it. OK. So, I'll be helping you know what documents you need for a loan. OK, very good. And, just so I can help you better may I have your first and last name?

utterance: Sure thing. It's Connor.

utterance: C O N N E R?

utterance: C O N N O R.

utterance: O R OK.

utterance: All right.

utterance: And, your last name for me.

utterance: Y P T A K.

utterance: OK, perfect.

utterance: And, for security purposes, what is your four digit PIN number?

utterance: K N

utterance: It's the same as my card PIN number, right?

utterance: For like when I'm making a purchase and I.

utterance: That would be up to you because that's your own personal PIN number. I have no access to that.

utterance: OK.

utterance: Let me let me look it for it real quick.

utterance: OK.

utterance: All right.

utterance: OK, there's a book here somewhere that I cannot find. Come on.

utterance: All right. It's it's somewhere here.

utterance: You've got to be kidding me.

utterance: Are you not finding it?

utterance: No I'm.

utterance: I'm. Just. Just give me a second please. Come on.

utterance: OK.

utterance: If you can't find it and you're just trying to gather information.

utterance: No, I'm gonna. I'm gonna.

utterance: Find it. I'm gonna find it. Oh it's .

utterance: OK. No problem.

utterance: OK, there. Here it is. it's that's not it.

utterance: OK.

utterance: Well what I was gonna say, sir, is if you don't need me to access your account information I can just provide you the information without it.

utterance: No, I'm gonna find it. I'm.

utterance: OK, here it is. It's

utterance: Two one three seven.

utterance: Two one three seven. OK Perfect.

utterance: Here it is.

utterance: All right.

utterance: All right. Now that I'm in the system I just need to verify your date of birth.

utterance: OK.

utterance: It's September twenty-ninth nineteen ninety-one.

utterance: OK, great.

utterance: OK.

utterance: OK, great. That pulls up your information for me.

utterance: Ridiculous I can't find anything.

utterance: Yeah, I know that is frustrating.

utterance: All right. And, then for documentation that you'd be required to provide for a loan would you be looking at a loan for your business in general or for real estate?

utterance: Yeah.

utterance: I meant.

utterance: Yes, in just general, yeah.

utterance: Ok great, cuz it's a little different if you're purchasing properties.

utterance: All right. So, you would be providing a photo copy of your driver's license, a copy of your tax ID number, then a copy of your business license, and then, we would also be looking at financial statements and tax returns.

utterance: Did I tell you to go out of the room?

utterance: Go back in there!

utterance: No, I'm not kidding. Go back. You're grounded. Go back in your room.

utterance: Sorry about that.

utterance: That's OK.

utterance: Parenthood first. All right. Depending on.

utterance: What? What else do I need?

utterance: Depending on the dollar amount of the loan would depend on how many years you'd be required to provide tax statements.

utterance: OK.

utterance: But, generally you'd be looking at two years of tax returns. Both for your business and your personal taxes.

utterance: Sure.

utterance: Then you'd be looking at providing approximately two years worth of end financial statements.

utterance: OK.

utterance: OK.

utterance: And if you if you are interested in property, any deeds of properties that you purchased in the past. And that's basically. That's basically it. Each loan can vary a little bit, but that that's That's the. It in a nutshell.

utterance: OK.

utterance: OK. Huh.

utterance: Some don't barely I don't know if I should do it, but

utterance: Would you like me to walk you through.

utterance: What. What. What are. What are.

utterance: Some of the usual fixed interest rates?

utterance: It depends on the type of loan that you apply for.

utterance: the one you were.

utterance: Just talking about.

utterance: Well, we didn't We didn't specify one particular type, did we? if we did I apologize but there's secured loans, term loans, SBA loans.

utterance: OK

utterance: I'll.

utterance: I'll I'll I . I'll figure it out. OK.

utterance: OK.

utterance: All right.

utterance: Well, and just to give you a brief bit of info, SBA loans at the moment are the lowest interest rates that you can apply for.

utterance: OK. .

utterance: OK great.

utterance: Great. All right.

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

utterance: I think.

utterance: We're good.

utterance: All right. Well, thank you Connor, and I hope you have a good day.

utterance: All right.

utterance: Bye bye.


utterance: Thanks for calling Intellibank this is Jerry how can I help you?

utterance: How are you doing Jerry? I need a recent credit report.

utterance: Certainly and it would that be for yourself?

utterance: That be for my for my business for the company.

utterance: OK and Mr. Well let me see if we can get this account pulled up here. first of all what is your first and last name?

utterance: Benjamin Freeman.

utterance: OK thank you for that Mr. Freeman and let me ask what is the name of the business that you have on file with us?

utterance: Ray's Construction Company.

utterance: OK that's Ray's Construction Company.

utterance: Yes sir.

utterance: All right thank you Mr. Freeman now for account verification purposes I'll ask a few questions we do take your account security very seriously here and this is for you and your business's protection. with that said Mr. Freeman let me ask what is your date of birth?

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

utterance: All right thank you for that Mr. Freeman and let me ask what is your credit card number?

utterance: OK a credit card number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK.

utterance: And that's my emerald card number.

utterance: All right thank you for that and a final question what is the pin number for your account?

utterance: one seven nine five.

utterance: Terrific terrific thanks for that and let me see if I can get your account pulled up here.

utterance: Oh yeah shoot I I I I I know the Braves really enjoying their vacation. Just taking a break from from all the work and preparing for next season.

utterance: Yeah yes sir I know that they won the world title and so they probably are celebrating I suspect maybe in Cancun Mexico or someplace.

utterance: Oh yeah oh and a lot of them live on islands so they went back to their islands they live on.

utterance: Oh very nice very nice well I'm sure that's there been a long time I saw they said on the show there's over twenty years since they won their last title so they probably are on some island somewhere.

utterance: Oh yes that's a lifetime.

utterance: Yes sir indeed indeed and Mr. Freeman I was able to verify your business silver card for your account and you mentioned that you wanted to get a recent copy of your credit report is that correct?

utterance: That's correct.

utterance: All right terrific terrific. And let me ask Mr. Freeman how did you wish to receive that credit report? Did you want that sent to you by mail or by email?

utterance: On email.

utterance: OK and Mr. Freeman what is the email address that you want to have that card sent to?

utterance: Well it's B Freeman at Ray's Construction dot com.

utterance: OK that's B Freeman at Ray's Construction dot com?

utterance: That's correct.

utterance: And again that's where we will send not the card but your credit report.

utterance: Yes.

utterance: And we'll get that sent out to you here very shortly to the email address of B Freeman at Ray's Construction dot com for the most recent credit report for you.

utterance: Yes sir.

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

utterance: at this time that's all I really needed this time right now but I appreciate all you did and thank you for your time and patience.

utterance: Well Mr. Freeman we certainly thank you for giving us a call and of course we value your business and if you have any further questions please don't hesitate to call.

utterance: Yes sir thank you you have a good day.

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

utterance: All right bye bye.

utterance: Bye bye.


utterance: Hi, this is Danny Brooks with Intellibanking. How can I help you today?

utterance: Hi, Danny! you said your name was Danny, right?

utterance: Yes.

utterance: Danny was my ex-wife's name.

utterance: Oh! .

utterance: You sound kind of like her.

utterance: Oh, no! I'm sorry to hear that.

utterance: You're not her, are you?

utterance: No, it's it's not her.

utterance: Are you sure?

utterance: what's your name?

utterance: My name is Roderick.

utterance: Hi, Roderick. What can I do for you today?

utterance: Hi, Danny! reason for my call is because I I have an account with you with Intellibank. it's in your account. It's in your account. It's about it's about less than ninety days. Less than ninety days. and I've I've been looking at some of the loans. Interested in getting a secured loan. Haven't, you know, submitted it yet. Been looking into it. Last week, I called someone in your office. Very kind. They they confirmed what my net income was. and I don't know. I think I'm in a good position to apply for the secured loan now for for my business. My business has been around for two years. And and we're in a position where we can scale. And I'd love to just. Before I I do apply for the secured loan, I'd like to verify what my quick liquidity ratio is.

utterance: Yes, of course. I can get that up for you today. can I start by getting your credit card number?

utterance: Oh, yeah yeah! Absolutely! Let me let me go ahead and get that. It's Hold on. It's in my bedroom. Just give me one second.

utterance: Of course.

utterance: Well, actually. No, hold on! I. You know, I think I I might have left it I might have left it in my kitchen. You give me give me a second. It's. It's you know, I I just misplace things, you know? Sometimes you get, you know. I I left my wallet at the grocery store the other day. Can you believe it? Like, I had to had to go back and then I realized when I went to get my wallet that I actually forgot half of my groceries at the grocery store, so it was kind of like.

utterance: That's OK.

utterance: Oh, no!

utterance: It was kind of a blessing in disguise leaving the wallet cuz then the wallet brought me back the groceries, and you know, the trip took a little bit longer than I expected, but finally you know, worked out. Oh here's my card! Here. I I got it, I got it! It's Ten. Twenty-three. Seventy-eight ninety-one. Fourteen sixty-seven.

utterance: OK. And that is ten, twenty-three, seventy-eight, ninety-one, fourteen, sixty-seven?

utterance: That's correct.

utterance: OK, great. I'm gonna go ahead and pull up your account. but before we proceed, I need to verify just some security information for your account.

utterance: OK, yeah! Whatever you have to do.

utterance: OK. Can I start by getting your date of birth?

utterance: Yeah. It's six twenty-nine eighty-two.

utterance: OK. Six twenty-nine nineteen eighty-two. OK, great. And can I also get your PIN please?

utterance: Yeah. My PIN is seven seven three nine.

utterance: Seven seven three nine.

utterance: That's right!

utterance: OK, great. And I'm just gonna go ahead and ask you just a few security questions just to verify your identity.

utterance: Sure!

utterance: OK. What state were you born in?

utterance: I was born in Arkansas.

utterance: Arkansas. OK, great. And what is your mother's maiden name?

utterance: Roberts.

utterance: Roberts? OK, perfect. And what was your favorite musician growing up?

utterance: Jimi Hendrix.

utterance: Jimi Hendrix, good choice. OK. so I am pulling up your account right now. Give me just one moment please. OK. I'm in your account. And you said today you wanted to check on your quick liquidity ratio?

utterance: I do.

utterance: OK. So, it looks like this year your ratio was point five.

utterance: OK. That's that sounds like point five more than I thought it was. So, It's OK. So good! Good! Good! So I like that. I like that. so, I. I'm gonna I'm gonna submit online, and then and then I hope if if. So if I get approved, what what happens next? You you you contact me?

utterance: Great.

utterance: Yes. So if you Well, first you'll get an email saying that we received your application. And then after that, if you are approved. Well, either way. Even if you aren't approved, you will receive a call back from us telling you the status of your application. And if you are approved, then we'll just move forward with that, and we'll get you get you your loan.

utterance: OK, perfect! So, we'll go ahead and do that.

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

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

utterance: I'm glad to hear that! You have a good day!

utterance: Take care!

utterance: You, too!


utterance: Hello and thank you for calling Intellibank. We're having a great day and hope you are too. How may I help you today?

utterance: Hey, how's it going? so I'm just calling because I'm the owner of a small business with you guys Bank East Pictures, LLC. And it's a, you know, film production company and I was I was calling today cuz I wanted to check my balance really quick. Your website's not working. So.

utterance: Oh. Well, I apologize for that. And of course, let me get you all up and loaded. But, first I'm gonna need you to verify some information. Is that OK?

utterance: Yeah, totally.

utterance: Can I have your name? First and last.

utterance: So, yeah. My name is Landon Lam.

utterance: Landon Lam.

utterance: L A N D O N.

utterance: OK.

utterance: L A M. Last name is Lam.

utterance: L A M. No B.

utterance: No B.

utterance: Got it. And your date of birth?

utterance: My date of birth is August eighteen.

utterance: Eight eighteen.

utterance: Nineteen ninety.

utterance: Ninety. Whoa. You're pretty young to have your own business. Congratulations.

utterance: Thanks, man. Appreciate it. Years and years of hard work and stuff like that. But, you know, I'm just still finding my way just you know, but y'all are helping out. So.

utterance: Nice. Well, we do what we can. And we have a couple of security questions that I'm gonna have to need you to answer. your mother's maiden name?

utterance: Yeah. Sure. my mother's my mother's maiden name is Wu. W U.

utterance: Wu. And the street you grew up on?

utterance: The street I grew up on is California Street.

utterance: California Street. Got it. I need the numbers too. As well, actually.

utterance: The the number of the house. OK. Yeah. Four two seven.

utterance: Four two seven California Street. Got it. And last question is the last four of your social.

utterance: Sure thing. It's three one two eight.

utterance: Fantastic. We have nine five two eight seven six three eight two five down as your contact number. Is that still a good number for you?

utterance: That is.

utterance: And could you confirm the email you have on file with us?

utterance: Yes. So my email is it should be the one It should be Landon three thousand at Yahoo dot com. So, L A N D O N three zero zero zero at Yahoo dot com.

utterance: Landon three thousand.

utterance: Got it. Thank you so much, Landon. I am now in your file and how can I help you today?

utterance: So, yeah. I just. As I said before, you know, I'd love to check my account balance. the website's just temporarily down. So, just wanted to see, you know, where we are. It's a pretty busy time for my business. So.

utterance: No problem. So, you just wanna know the number of the balance?

utterance: Yeah, if that's possible.

utterance: You have eighteen thousand three hundred and thirty-seven dollars and twenty-six cents.

utterance: Sorry. I wasn't ready. Could you. Could you just repeat that?

utterance: Yes. Eighteen thousand three hundred and thirty-seven dollars and twenty-six cents.

utterance: Twenty-six cents. OK. So, that's eighteen thousand.

utterance: Is there anything I can. Anything else I can help you with today, Landon?

utterance: I I had a quick question about actually if I know. I I have a credit card with you guys. you know, just the the business regular credit card? But, I know you guys were doing a promotion for your business preferred. so, is that is that still a thing? Is that promotion still a thing?

utterance: Actually, Landon three days ago, I believe it was, that promotion ended.

utterance: I see. OK.

utterance: However

utterance: If you are very interested in that, I could call my superior. See what I could do. Since you have been in great standing with us for the last five years yeah I can see what I can do for you Landon if that's OK?

utterance: That would be great. Yeah. I know I I love, you know, I love the benefits on the card. And, you know, I. We're. We're a growing business, you know, and I want my business partner to also have a credit card. So, yeah. Yeah. That would be good. Hey, what was your name? I. I didn't catch your name.

utterance: Oh, my name is Brian. Sorry.

utterance: Brian.

utterance: Brian. OK. Brian. Yeah, Brian. That would be great. That would be great if you could help me out.

utterance: Yes.

utterance: For sure. Would you mind if I place you on a brief hold?

utterance: Not at all.

utterance: OK. I'll be right back.

utterance: OK.

utterance: Hi, Landon. You. This. You still with me?

utterance: I'm here.

utterance: So, my supervisor says that we typically don't do this. But, because of your status with our company, that we're gonna make that accommodation for you. So, which which card was it exactly that you were looking into again?

utterance: Thank you.

utterance: It's just the business preferred card.

utterance: The business preferred card. Got it. we could authorize you for up to fifty thousand. Is that OK for you?

utterance: As a credit limit?

utterance: Yes.

utterance: That's perfect. That'd be great.

utterance: OK. Well, could you give me an address that you would like this card to be sent out to? We've already run. You've already been approved for it. So.

utterance: Sure. so just the address on file. it's one two one two.

utterance: One two one two. Yep. I. I have it.

utterance: You got it. That's correct. Yeah. Springfield Drive.

utterance: Springfield Drive, right?

utterance: Cool.

utterance: OK. Well, I'm putting that in the system now. Those cards should be with you from seven to ten business days, but I'm pretty sure you can add it to your Apple Wallet and should be able to use it immediately once we Once I send this email which I'm sending right now.

utterance: Oh. I didn't know Apple Wallet could do that. OK.

utterance: Oh, yeah. The wonders of technology, Landon.

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

utterance: no. That's it, Brian. No, your name's Brian, right?

utterance: Yes.

utterance: OK. Thank you so much, Brian.

utterance: Thank you so much and after this call, there'll be a short survey where you can, you know, rate my service. Hopefully, five stars. You know, I need that raise.

utterance: Appreciate it.

utterance: I got you, man. I got you.

utterance: Thank you so much, Landon. Enjoy the rest of your day.

utterance: Thank you so much.

utterance: I appreciate it. You too. Bye.


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

utterance: Yes I have a bunch of loans and credit cards with Intellibank and I was wondering if you could tell me my income to debt ratio for my business?

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill so you're wanting to me to run the metrics to determine your current income to debt ratio. Is that correct?

utterance: Yes if you could please.

utterance: All right Jill. I will just need to get some information from you real quick so what is your account number?

utterance: So my account number's three four six zero two nine nine eight and then my social that's eight four nine two nine eight three nine zero.

utterance: All right well thank you for both of those Jill. what is the name of the business?

utterance: So my business name is Johnson Controls.

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

utterance: So my date of birth is March second of nineteen eighty.

utterance: OK Jill it looks like your have a four digit PIN number on the account and that's for security purposes. Could you share that with me as well?

utterance: Yes so my PIN number's six four seven eight.

utterance: OK and on this report Jill was there a specific time frame that you were looking for for me to run that report?

utterance: If you can just do the last six months that would be that'd be great.

utterance: All right. So Jill I just want to clarify. I'm showing you have the Intellibank Business Total Checking Account. Did you say you also have a credit card with Intellibank?

utterance: I do. I have the Preferred Black Card with Intellibank I believe.

utterance: OK so Jill Intellibank does not carry a Preferred Black Card. Are you sure your card is with Intellibank?

utterance: Yes all my cards are with you guys. If you hold on just a moment let me go grab the card. Hold on one second OK I'll pull it and see what is says. hold on. OK I'm sorry. It looks like it's a Business Platinum Card not a Black Card. I'm sorry. I I'm not sure why I said that.

utterance: That's OK. It's no problem at all. I just wanted to make sure and is that in your name or your business name?

utterance: It's in the business name.

utterance: OK. OK so I did find that card. Give me just a moment to run the metrics on this OK? Were you also wanting a copy of the report emailed to you?

utterance: if you can do that that'd be really really great.

utterance: OK can I just confirm your email address real quick Jill?

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

utterance: All right thank you for that. Give me just a second to run these metrics for you OK?

utterance: It's not a problem how's the weather where you are?

utterance: It's it's actually pretty cold here. They're actually expecting snow on Wednesday.

utterance: I'm in California right now. It's eighty-seven degrees I actually love the cold weather though so I can't wait to get back to Missouri.

utterance: Oh I'm actually the opposite. I love the warm weather. I hate being cold.

utterance: So my my favorite's actually Fall where it's chilly but not bitter but I mean it's beautiful here but I just really like seasons and I feel like you know there's not really a season here.

utterance: Yeah I I've kind of always wonder how holidays feel like in places that don't have different seasons. Like I'm not sure that Christmas would feel like Christmas to me if it was if it was really warm and sunny out like it is in California.

utterance: I'm the same way I feel like I judge my holidays almost by the weather so it'd be very strange I think to be someplace where it was one one climate all year round.

utterance: Yeah I definitely have to agree with that. Jill I do have that information for for you if you're ready for that.

utterance: I am. Go ahead.

utterance: OK so Jill it looks like as of today's date for the last six months your account shows a income to debt ratio of around thirty-four percent.

utterance: Does it tell you what the normal average is for that?

utterance: Yeah so on the debt to income ratio scale a good or what they determine is a normal ratio is around thirty per thirty-six percent. So you're actually doing really really well based on those numbers.

utterance: OK huh so you said you could email that to me too then?

utterance: Yep! I will email that to you. Be just a moment so is is there anything else I could help you with?

utterance: Yes real quick here though is there anything that would affect that?

utterance: Yeah so the metrics is based soley off of the information obtained from your account history and previously provided information on your financial accounts. It it it interacts along with your credit report. So if for some reason there were accounts or under-reported debt that had not been shared. That could change your number. the debt to income ratio is is a reporting of your company's monthly debts I'm sorry monthly debt payments divided by your businesses gross monthly income so if everything's reported correctly to the credit bureaus then this should be an accurate an accurate percentage for you.

utterance: Yes everything should've been reported correctly so it should be right.

utterance: OK so then this number should be pretty accutate for you.

utterance: OK and you said you'd email it to me then?

utterance: Yep I'm sending the email right now. Is there anything else I can do for you Jill?

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

utterance: No problem at all Jill. Thank you for choosing Intellibank and you have a great day.


utterance: Hi, this is Dani Brooks, with Intellibank. How can I help you today?

utterance: Hi, the reason for my call is because I'm thinking about getting an auto loan, I I pretty much totalled my car, and I need to get a new car, and I I'd like to see much I can qualify for.

utterance: I'm sorry to hear that but I would be happy to help you today figuring out your loan qualification.

utterance: Thank you thank you, that would be very helpful. my name is is José José José Sanchez is my name I've been with, I've been with Intellibank for I think two years, maybe three years now.

utterance: Oh, well we love to have your loyalty. Thank you so much.

utterance: Yeah, no you.

utterance: No you guys have been great, I got I got a loan I got an SBA loan from y'all. About two years ago, it was a very very seamless process. So I was hoping we could do the same with an auto loan I'm actually on the road right now, so I don't have the document on me, but I was just hoping to find out what my my net income is. Like, I think it's a hundred and twenty thousand for for this year but I could be wrong. could you just help me confirm what it is?

utterance: Yes, I'd be happy to go ahead and confirm your net income.

utterance: Thank you.

utterance: can I get your birth date, please?

utterance: Yes it's the fifth of March nineteen ninety two.

utterance: OK, March fifth, nineteen ninety two. And do you have your account number or your credit card on file?

utterance: Hold on, I have my credit card, hold on it's it's right here in my wallet. Let me pull it right out OK OK, let's see. It is four five four five six three two one zero zero four nine nine eight one seven.

utterance: OK, and that's four five four five six three two one zero zero four nine nine eight one seven.

utterance: That's right.

utterance: OK, and before we can proceed I just need to go ahead and ask you some security questions to verify your identity.

utterance: Sure.

utterance: OK. What's the last four digits of your social security number?

utterance: Five six three nine.

utterance: Five six three nine. OK, and just the final step will be to answer a few of the security questions you input when you created your account. So What sport did you play in high school?

utterance: I played Lacrosse.

utterance: Lacrosse. Mhm, and what's your mother's maiden name?

utterance: Her name is Aura.

utterance: would you mind spelling that for me?

utterance: A U R A.

utterance: OK. Yes OK thank you for verifying that for me, I'm gonna go ahead and pull up your account right now.

utterance: OK, I am now in your account, and you wanted to go ahead and check your net income, correct?

utterance: Yes please.

utterance: OK, so let me just pull up this past year and it does look like this is your third year with us this month, so congratulations and thank you for trusting us with your banking needs.

utterance: Hopefully we can celebrate with this auto loan.

utterance: Of course, we'd love that. OK, so it looks like your net income was actually a hundred and twenty-five thousand and seventy-three cents.

utterance: Oh wow, OK, yeah that the seventy-three cents are the shocking part, that's that's OK great and all right, even better than I thought. yeah so I'm I'm hoping to get a loan for thirty thousand dollars. and I I don't I'd like a maybe like two to three year term on the loan. You think that's something I can do with Intellibank?

utterance: Yes, I think that's definitely possible. What we recommend to our clients is that you go online and fill out the loan calculator. Cuz it gives you an idea of, like, all of our options.

utterance: Oh, the loan.

utterance: Calculator. Right. Right. I. I used that last time for my for the for the previous loan.

utterance: Yeah, so it's like we love telling our clients to use that tool, just because you get an idea ahead of time what you can get before you even apply so you know. You know it's worth your time before you go ahead and do that.

utterance: OK.

utterance: OK, so you know what? I'm very familiar with that process so now that you've clarified it, I can just do that from the app on my phone cuz it's super easy. So I'll I'll just submit and then I'll follow up with you if I have any other issues.

utterance: OK great, is there anything else I can help you out with?

utterance: No, you're wonderful. That's that's it.

utterance: Aww, thank you. Well you have a lovely day.

utterance: Take care.

utterance: You too.

utterance: bye.


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

utterance: Hello, I need to schedule an appointment with a tax specialist?

utterance: sure may I have your first name please?

utterance: Alexander.

utterance: And last name?

utterance: Lopez.

utterance: And your date of birth please?

utterance: Six six sixty-two.

utterance: That was six six six two?

utterance: Yes.

utterance: Thank you for that information Mr. Lopez. and can I please have your account number?

utterance: OK. Can you hang on?

utterance: Sure.

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

utterance: Let me just repeat that back to you sir that was six three two one nine seven six five three?

utterance: Yes, that is correct. How are you today?

utterance: I'm excellent how are you doing sir?

utterance: Very good very good.

utterance: I cannot complain everyday is a holiday.

utterance: Nice.

utterance: It sure is.

utterance: What day would you like me to schedule this?

utterance: Eleven ten please.

utterance: Sure eleven ten. And what time is best?

utterance: can you hang on a minute?

utterance: Sure.

utterance: Let's say ten a.m..

utterance: Ten a.m. on the tenth?

utterance: Yes.

utterance: Absolutely sir.

utterance: how would you like to conduct this? Online or in person?

utterance: In person please.

utterance: Sure. What ZIP code are you in?

utterance: three three three zero eight. I'm in Florida Lori.

utterance: Oh. Thank you for that information.

utterance: Where are you?

utterance: Thank you for that information. I have you scheduled at our office located at thirty-two hundred South Sixie Highway. At ten a.m..

utterance: On the tenth. OK?

utterance: Perfect.

utterance: Thanks Lori.

utterance: You are very welcome sir. Is there anything else I may help you with today?

utterance: that'll be it.

utterance: Thank you. You have a great night sir.

utterance: Yes. Thank you, you too.

utterance: Uh-huh bye bye.

utterance: Bye.


utterance: Good evening. Thank you for calling Intellibank. My name is Gina and I will be assisting you tonight. How may I help you?

utterance: Hi, Gina. I am calling because I'd like to change my statement how my statement comes to me.

utterance: All right. You'd like to change your statements and how you receive your statements from us, is that correct?

utterance: That is correct.

utterance: OK I'd be glad to assist you with that tonight. If I may I'd like to just get a little information so I can pull up your account information.

utterance: Right.

utterance: OK, and may I get your name please.

utterance: Yes, it's Lorenzo. L O R E N Z O.

utterance: OK.

utterance: Hughes. H U G H E S.

utterance: OK. Lorenzo. What an elegant sounding name.

utterance: Oh, thank you.

utterance: So. OK, Lorenzo, and may I also get your date of birth.

utterance: Yes, it's Halloween nineteen ninety. Let's see if you can compute that.

utterance: Well.

utterance: I think that you have a birthday coming up.

utterance: I do. I accept major credit cards, cash, gift cards.

utterance: In just a few days.

utterance: PayPal. Venmo. .

utterance: Yeah.

utterance: I mean everything. You can even send cash by carrier pigeon if you want.

utterance: OK so, we'll send we'll send you a little something, including a Reese's peanut butter cup for Halloween. OK so October thirty-first, and I'm sorry, tell me the year again.

utterance: Nineteen ninety.

utterance: Nineteen ninety. OK, very good. and may I also have your account number please.

utterance: Yes.

utterance: yes, I actually have two account numbers here. I I'm not sure which one it is. but can you try this one?

utterance: Sure.

utterance: Six four one two one seven.

utterance: Six four one two one seven. and currently are you receiving both your account statements to the same address?

utterance: Yes, and I'm I mean I'm basically getting two phonebooks here. So, you know, like we could save a lot of paper, a lot of trees if we just go green.

utterance: OK.

utterance: Sure.

utterance: Great, yeah, I just wanted to make sure so I I'm changing all the correct information.

utterance: For sure.

utterance: All right, and then lastly, just for security purposes, because we do value your security here at Intellibank. What is the name of your childhood pet?

utterance: Oh, Larry.

utterance: Larry.

utterance: Yes, and I'm sorry but could you hold on for a second? My daughter needs my help.

utterance: OK I I will be here.

utterance: OK, one second.

utterance: OK I'm back, you can pause your Solitaire game for a second.

utterance: OK.

utterance: Putting the cards away. OK, Lorenzo, so I was able to pull up your account here for your Business Total checking account.

utterance: OK.

utterance: All right, and I also see that you have your you have a Smart Savings Account with us as well, so we will change it looks it looks like currently you're getting the paper bills, so let's go ahead and change that.

utterance: Yes.

utterance: All right, let me take that off so we no longer get that. Please keep in mind though that it does take about two to four weeks for it to generate in the system. So if you do get a bill in the meantime, it doesn't mean that the request has not been processed.

utterance: OK could you also do that with my Premium Checking Account?

utterance: Yes, I can. Let me just check that here for you. Yes, it looks like all three are going to the same address. So, yes. Let me just check that here.

utterance: OK.

utterance: OK and so we'll be delivering it to. We have an email address for you unfined at Lorenzo music at Gmail dot com.

utterance: I actually don't have access to that email anymore. Could I change it?

utterance: Of course. Would you like me to take this email completely out of the system?

utterance: Yes.

utterance: OK let me let me remove that.

utterance: OK. And let me know whenever you're ready for that.

utterance: OK. I.

utterance: Sure, I've.

utterance: Taken that out. What is the new email address?

utterance: It's L Z O.

utterance: L Z O.

utterance: Dot, you know, like a little period.

utterance: Mhm. Dot.

utterance: H.

utterance: U G E S.

utterance: I'm sorry, one more time.

utterance: H U G E S. My last name.

utterance: Got it.

utterance: At M E dot com.

utterance: OK one moment. OK so I have changed and update I've updated your email information. I've taken you off of paper billing, so any account information except for any statements within the next two to four weeks will no longer be going to that address.

utterance: Nice.

utterance: OK so that is taken care of would you like any information that can assist you so you may do this online or on our app?

utterance: that won't be necessary but what I would like to know is how your night is going. How are you? How's your day?

utterance: Oh, Lorenzo, thank you. That's very nice of you to ask. I'm having a great day and a great night and I have a visit from my niece coming this weekend and I'm really looking forward to that.

utterance: Oh!

utterance: Oh that's exciting.

utterance: Yeah, yeah. She lives out of state so it's going to be wonderful after being isolated from family for so long to finally get to see her again.

utterance: How lovely.

utterance: Yeah.

utterance: Well.

utterance: I'm gonna let you go. I'm gonna have to go deal with my daughter right now. It's it's homework time and you know how that can get.

utterance: OK.

utterance: Absolutely.

utterance: Well you.

utterance: Have yourself a lovely night, and thank you again.

utterance: Thank you for being a valued customer. You have a wonderful night.


utterance: Hello.

utterance: Thank you for calling Intellibank. My name is Penelope and it is my job to provide you with outstanding customer service today. How may I assist you?

utterance: Hi I need to find out what my loan balance is please.

utterance: You would like to find out what your loan balance is?

utterance: Yes.

utterance: I would be glad to assist you with that this evening. May I please ask you some questions so I can pull up your account information?

utterance: sure go ahead.

utterance: OK. Very good. And who do I have the pleasure of speaking to tonight?

utterance: my name is Lenore Holder.

utterance: Lenore L E N O R E?

utterance: Correct.

utterance: All right. And Holder just like it sounds?

utterance: yep Holder as in I'm gonna hold her really close.

utterance: Oh that's funny. OK Lenore and just so I can access your account safely and securely can you please verify your date of birth?

utterance: my date of birth is ten eleven nineteen seventy-six like the Chevron station seventy-six.

utterance: OK.

utterance: But not like seven eleven even though seven and eleven is And is in my date of birth too.

utterance: Oh.

utterance: Yes, you're right.

utterance: Huh.

utterance: Yes. It is.

utterance: Maybe.

utterance: One of those Seven-eleven's with a gas station?

utterance: Oh that's right ha ha ha. That's me.

utterance: Oh my goodness, I'm bad.

utterance: OK, so I've verified your date of birth and the other thing that I will need from you is the four digit security code that is associated with your account.

utterance: yes, I can give you that information and then I also need to check on my credit card balances Wow, done with that.

utterance: Oh.

utterance: Of course, I'd be glad to do that for you.

utterance: OK. my PIN for the for this account it's twenty-one fifty-two.

utterance: Twenty-one fifty-two. All right, let me put that in.

utterance: OK very good and Lenore if I may let you know this four digit security code it's actually good for all of your accounts. You have one code just to access all of your accounts. It's just a security backup for you.

utterance: Well isn't that convenient?

utterance: Who wants to have a security code for every account?

utterance: Oh my goodness, I can't even imagine. I can barely remember this one.

utterance: Well I think you're doing great. All right so regarding your loan, I see you have a secured loan with us and. well we only offer secured loans there're different types of loans. We don't actually have one called unsecured. secured loan basically just means that you have provided collateral information so it's it's securing.

utterance: What's the difference between a secured loan and an unsecured loan?

utterance: I see.

utterance: Right I understand.

utterance: anyways I'm so sorry so you wanted to find out your loan balance.

utterance: Mhm.

utterance: All right can you also provide me with the account number for your secured loan?

utterance: yes. It's four one two two two two three.

utterance: All right that is four one two two two three.

utterance: Mhm.

utterance: All right let me pull this up.

utterance: And the drumroll is sorry.

utterance: The no, that's OK. I can hear you just fine. OK Lenore your loan balance is fourteen thousand six hundred dollars.

utterance: Oh boy oh boy.

utterance: Well, the good news is I see that your payments have not only been on time, they've been early and they've also well exceeding the minimum balance, so that ensures a great credit rating with us, and it keeps you in good standing.

utterance: Thank you, and I wanna find out about lowering the interest rate on that if that's a possibility.

utterance: Well what I can do when this call is concluded, I can transfer you to a loan specialist. I just have the ability of checking your account or processing payments. For doing that, I can transfer you to the loan department so you can speak to a specialist about that.

utterance: OK that's fine. Thank you.

utterance: All right I'll do that at the end of the call. And the last was you wanted to check a credit card balance?

utterance: yes. If you wouldn't mind checking out for me really quickly. I can give you the number really fast.

utterance: No. .

utterance: Actually,

utterance: You know what? Because I'm already in the system and I pulled up one account, I can do that on the credit card. The first one was just for security purposes.

utterance: Oh OK, perfect.

utterance: I

utterance: See.

utterance: All right so on your gold card I see that your current balance is six thousand two hundred dollars.

utterance: OK. Thank you.

utterance: All right, you're gonna hear a brief hold while I transfer you to the loan department. Thank you so much for being a valued customer and you have been a lovely night.

utterance: Thank you. You too.

utterance: Thank you for calling Intellibank.

utterance: Bye bye.


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

utterance: Hi Morgan, I'm just calling with a couple things today I am I need to I wanna schedule an appointment.

utterance: Oh.

utterance: With with the a you have financial advisors over there?

utterance: yes sir we do.

utterance: that's that's one, and then I also wanted to get the liquidity ratio.

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

utterance: It's Ronald.

utterance: Ronald, and your last name sir?

utterance: Jarvis.

utterance: Jarvis, OK, and Ronald may I please have your date of birth?

utterance: Sure. It is October ninth nineteen eighty-six and then I my college was UCLA but.

utterance: Oh one one one one second sir before before you move on thank you for that but may I please have your ID number?

utterance: Not transferred.

utterance: Oh.

utterance: Sorry I thought you needed college for some reason.

utterance: ID number that's, is that like a driver's license?

utterance: yes sir.

utterance: OK.

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

utterance: Thank you, and just for security purposes I'm gonna ask you a question. What is your mother's maiden name?

utterance: I used to always remember this and now.

utterance: Oh Cochrane.

utterance: Cochrane OK, and what was your favorite book in the third grade?

utterance: Favorite book in the third grade was Flying Kites Ain't Easy.

utterance: Perfect.

utterance: OK we are in, and you said that you would like to set up an appointment for a financial advisor sir?

utterance: Yeah.

utterance: I'm just always looking for ways to kind of better myself and see what I can do better with my money, I mean money's the whole category of life right?

utterance: Absolutely. OK what dates were you looking at? We are available we start our appointments are available starting next Wednesday.

utterance: Is it, have to be in person?

utterance: It does not have to be in person would, it it can be your, to your choosing.

utterance: Hmm.

utterance: Because I've been going to the farmer's market. On Wednesdays you ever go to farmer's market?

utterance: yeah yes I do sir, so and this is why we offer in person or over the phone appointments.

utterance: Just so you know, I don't, where's your call center located?

utterance: Our call call center is located on six sixty-three hundred Wilshire Avenue Los Angeles California nine one six two one.

utterance: Wow you're right by the market they like.

utterance: If I were you I'd go there and get the fresh produce they open at nine, but get there at eight forty-five because you'll beat the rush.

utterance: You'll walk out of there with all kinds of goodies you know what I mean?

utterance: I completely understand sir I'm definitely a a fan of fresh produce and the farmer's market so when would you like to set schedule your appointment what day?

utterance: Oh how about next Thursday?

utterance: Next Thursday? OK the eighth.

utterance: Yeah.

utterance: And we close at five p.m. for appointments so what time would you like to have your appointment?

utterance: Hmm, earlier the better what do you got?

utterance: we can start your appointment at nine a.m..

utterance: Yeah let's do that.

utterance: OK and you wanted to conduct your appointment in person or over the phone?

utterance: Oh I'm gonna go into the local branch.

utterance: OK great.

utterance: So again that's sixty-three hundred Wilshire Boulevard Los Angeles California nine one six two three. was there anything else that I may be able to assist you with today sir?

utterance: Yeah just wanted to get the quick liquidity ratio?

utterance: liquidity ratio for what?

utterance: Sir?

utterance: For your assets?

utterance: For my what?

utterance: For your assets?

utterance: Yes.

utterance: OK. let me go ahead and check.

utterance: the ratio that we have at the bank right now is at twelve percent.

utterance: twelve percent.

utterance: Mhm.

utterance: Great.

utterance: Well.

utterance: So I have that appointment, the ratio's the only thing I really needed. Yep online banking though, is that correct?

utterance: Yes sir, and it looks to me that you are already set up with online banking, you have email and password.

utterance: Oh, well didn't even know that.

utterance: OK well cool I think I'm good to go.

utterance: All right well thank you so very much for calling Intellibank sir, you have a lovely day and thank you for being a customer with us.

utterance: We look forward to seeing you in your in your appointment.

utterance: yeah thank you, thank you for your help, I'll make sure give you five stars if I get a survey.

utterance: All right, goodbye thank you.

utterance: Bye.


utterance: Good afternoon. This is William speaking, and on behalf of Intellibank, how may I assist you today?

utterance: Hi William. I was calling because I'm a small business owner. And I have multiple business accounts with you, and I was calling. About our credit card that we have with you guys.

utterance: Thank you so much. we are definitely happy to assist you with that before we proceed, could I get your first and last name please?

utterance: yes John Austin.

utterance: Thank you so much Mr. Austin, and what is your date of birth?

utterance: Five, twelve, eighty-five. May twelfth, nineteen eighty-five.

utterance: I'm sorry, the connection seems to be a little poor. Could you repeat that part?

utterance: Yeah, that was May twelfth. Nineteen. Eighty-five.

utterance: Thank you, Mr. Austin. And we do need your PIN number as well, so if you can provide me that just for an extra security measure.

utterance: Yeah, just so you know, this is the third time I've called. The the call keeps dropping out. I really want this to be the last time that I have to call. OK?

utterance: I apologize Mr. Austin. This is something that's out of our control but we will try to make sure that this call as soon as possible.

utterance: What were you asking me again?

utterance: we do need, before we can proceed with your request, we do need to Get your PIN again for security measures.

utterance: OK, that's no problem. It is zero five. Eight five.

utterance: Thank you Mr. Austin.

utterance: And I'm just trying to get the balance of my credit card?

utterance: OK, just one second.

utterance: Should be

utterance: Pretty simple. Should be pretty easy.

utterance: OK, Mr. Austin, so now we are inside your. Accounts, and we do see that, as you mentioned earlier, you do have several business accounts with us, as well as a credit card, so we do thank you for. Doing business with Intellibank for all of these years.

utterance: Oh well, you're welcome.

utterance: And before we do give you your credit card balance as of today, we do need to. Confirm, reconfirm the sixteen digit card number, so if you could provide that at your convenience.

utterance: You know, it's the only credit card that I have with you guys, so it's just whichever one is on file there.

utterance: I'm sorry Mr. Austin. We do, because of our security policy, we do need to reconfirm the entire sixteen digit number.

utterance: I have the last four digits. Can you just do it with the last four? You have my birthday, you have the account pulled up so. Can I just confirm that?

utterance: One moment please Mr. Austin.

utterance: If I can't, I'm gonna have to put you guys on hold and go find the card.

utterance: OK Mr. Austin, we do, we, I did speak with my superior just now and we do need the entire full sixteen digit. Number so if you could.

utterance: All right. Let me go and get the card, hold on.

utterance: All right, I got it. Are you ready?

utterance: Yes Mr. Austin, please, at your convenience.

utterance: It is seven five. Two nine, six seven eight four one two. Eight one. Four eight, six two.

utterance: I'm sorry Mr. Austin. The call did cut out for the last four digits, if you could repeat the last four digits please.

utterance: I mean you

utterance: Have them, they're on the screen in front of you. Four eight six two.

utterance: Thank you Mr. Austin. I apologize for the inconvenience that our security measures do bring you. So we do have your balance out now and it looks like you have an outstanding balance of. Fifty dollars. And one cent.

utterance: all right, that's Yeah, that's all I needed. I wish you could have just said that Right off the bat but. Here we are. All right, fifty dollars and one cent. That is all I needed.

utterance: OK, thank you so much for doing business with us Mr. Austin, and I hope you have a great rest of your day.

utterance: Thank you.


utterance: Good afternoon and thank you for calling Intellibank. My name is Lolita. Who am I speaking to today?

utterance: Rachel Struthers.

utterance: Hello, Rachel, how are you today?

utterance: OK, how are you?

utterance: I'm great. Thank so much for asking. How may I assist you today, Rachel?

utterance: I need to close an account and then also I got a letter in a mail in the mail I need to ask you about.

utterance: Of course.

utterance: I just got this letter saying that your rates are going to change effective January twenty twenty-two. Is that correct? The rates of the interest rates. And then also the rates of the account. Cuz I, I need to close an account but I want to keep one account open.

utterance: All right. and I, I have not seen the letter. Can you tell me the rate Are the rates referring to a specific account?

utterance: it says that the checking account rate is going to be increased from twelve to fifteen dollars a month.

utterance: OK, thank you for providing that information. Rachel, we have. We offer two different types of checking accounts. We offer our business total and our business preferred account. The business preferred accounts there are never any fees for having an account with us. The business total, the fees were twelve dollars. And, yes, that is correct. As of January first, they will be going up to fifteen dollars when your minimum balance falls below five hundred dollars a month.

utterance: Oh.

utterance: If you maintain a five hundred dollar balance then the fees there are no service fees or if you do direct deposits of five hundred dollars or more every month, there are no fees.

utterance: Oh, I see. OK, thank you.

utterance: You're welcome. And, where there any other questions about the letter you received?

utterance: no, I just need to close the checking account and I just want to put everything into my savings.

utterance: All right, not a problem. let me just ask you a few quick questions to access your information. Rachel I'm just confirming. Is you first name spelled R A C H E L?

utterance: Mhm.

utterance: Yes.

utterance: Struthers. Is that S T R U T H E R S?

utterance: Uh-huh.

utterance: All right. Thank you. And your date of birth?

utterance: two fifteen fifty-eight.

utterance: Two fifteen fifty-eight. Thank you. And your four digit PIN number, please?

utterance: Three six seven one.

utterance: Three six seven one?

utterance: Mhm.

utterance: I'm sorry. I'm three six seven one is not going through.

utterance: Oh, you know what? Maybe I gave you my old PIN. Can you hold on? I just changed my wallet out. Maybe I put the I think I. Oh, I just grabbed the wrong wallet. Can you hang on for one second, please?

utterance: No problem.

utterance: Thank you.

utterance: Mhm.

utterance: OK, I have it here.

utterance: All right.

utterance: It's seven four one six.

utterance: OK, seven four one six. Great, that worked just fine. All right, and then your. We were I see here that you have our business total checking account. You would like to close that and transfer the amount into our smart savings account?

utterance: Uh-huh, yes, that's correct.

utterance: OK. Can you please provide me with your checking account number?

utterance: checking account number is five one two five eight two And the routing number is seven seven three four five six one.

utterance: Oh,

utterance: Sorry to interrupt you. I actually don't need a routing number for this. The only thing I will need is your savings account number.

utterance: Oh, OK, are you ready for that?

utterance: Yes, I am.

utterance: three three one four four five.

utterance: Great, thank Yeah, since it is an internal transfer I don't need the routing number off of your check. But thank you for providing that.

utterance: OK.

utterance: Mhm.

utterance: All right, so when I pull up your checking account I see your balance here as four thousand two hundred sixty-seven dollars and forty-eight cents. All right, so, just to confirm. We are closing the checking account effective today and transferring the balance of four thousand two hundred sixty-seven dollars into account number three three one four four five.

utterance: That's right.

utterance: All right, one moment while I initiate that.

utterance: Uh-huh.

utterance: All right. Your transfer is complete. You will get an email confirmation of all actions today. Is there anything else that I can assist you with today?

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

utterance: Thank you Rachel. Thank you and have a great day.

utterance: Thanks, bye.

utterance: Bye.


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

utterance: Yes I'm wanting to apply for a loan.

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

utterance: It's Jill Baker.

utterance: OK, and do you prefer that I call you Jill or Ms. Baker?

utterance: it doesn't matter. You can call me Jill.

utterance: All right Jill. So what type of loan are you wanting to apply for today?

utterance: so I've been doing some research and I think I may want to apply for the S P A seven A loan we have some business debt that I want to try to take care of and this loan seems like the best option for me we've been working really hard for a long time and we're just trying to get everything paid and I I have a really great crew of people. I just really need to get this paid.

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

utterance: Yes all my business accounts are with Intellibank. can you kind of explain to me the F A the S P A seven A loan to me, so that I can be sure it's a fit?

utterance: Yeah. Absolutely so the S P A seven A loan is a business administration loan offered to small businesses it's where the government assumes some of the risk for the bank so that way the bank can approve these loans even when businesses debt may be higher then we would normally allow on a normal loan. the government guarantees some of that loan, and then they can assist in capping interest rates and limiting the loan fees with the bank. it's just got some some things in there that can kind of help the taxpayer to to get a loan that might help them get rid of that debt.

utterance: OK. So that does sound like what I am looking for.

utterance: OK. so do you want to proceed with going ahead and applying for that loan today Jill?

utterance: Yes. Let's do it.

utterance: All right Jill, what is your account number?

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

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

utterance: It's Johnson Controls.

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

utterance: My date of birth is March second of nineteen eighty.

utterance: OK.

utterance: And the account has a four digit pin number on it. Could you share that pin number with me as well Jill?

utterance: yes. It should be six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: OK, and what is your street address there in Kansas city?

utterance: so mine is five three nine Houston road.

utterance: OK. And your ZIP code?

utterance: That's seven three eight two zero.

utterance: All right.

utterance: Jill may I also get a social security number for you?

utterance: Yes so that is seven three eight zero two zero seven eight three.

utterance: All right and do you have a drivers license Jill? And if so what's your drivers license number.

utterance: I do have a driver license and it's M as in Murray nine three seven zero zero two zero zero.

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

utterance: It's out of Kansas.

utterance: OK.

utterance: Jill let me ask you a question. Are you the only owner of the business?

utterance: Well it's an LLC but yes I'm the only owner.

utterance: OK. And when did you open that business?

utterance: I opened it in April two April twenty-ninth of two thousand and eighteen I believe.

utterance: All right.

utterance: And what does your business gross annually? Do you happen to know that information?

utterance: so yes. Annually we gross about five hundred and eighty nine thousand.

utterance: OK.

utterance: And can I get a tax ID number for you? I'm sorry for the business.

utterance: Yes so it's Missouri tax ID seven three eight eight two nine zero.

utterance: All right and I just wanna verify real quick here Jill. So your business name is Johnson Controls and that's with an S correct?

utterance: Yes. That's right there's an S on the end.

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

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

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

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

utterance: All right and Jill where do you receive your . Your mail at from Intellibank. Do you receive that at your business or your home address?

utterance: I pretty much get everything at the business. You can send everything there.

utterance: All right, and Jill how much are you looking to borrow on this loan today?

utterance: So it's, think we want twenty-five thousand if possible.

utterance: OK. We can definitely run that through and see if that's a that's a possibility for you, and what what would be the purpose of this loan?

utterance: like I was saying before, just want to pay off some debts the business has and just take care of property for our warehouse that the business owes on too.

utterance: OK, and Jill can you tell me what kind of a down payment you would be able to make?

utterance: I could probably do like five thousand down I'm sorry five percent down if that's possible.

utterance: OK. So let me look here. So five percent would be about two. One thousand and two hundred fifty dollars. So would is that what you're what you're looking to put down?

utterance: I mean I could probably do two thousand, and do it a little bit higher so let's just say two thousand.

utterance: OK. I'll mark you down for two thousand on a down payment, and what kind of term were you looking at for that for that loan?

utterance: So probably like maybe ten years to pay it back then.

utterance: OK. So Jill if this loan is approved, we need to draft that down payment upon processing a loan. Will that down payment be coming out of your Intellibank account for the business?

utterance: No. I have another account with community bank. So it will be with that one.

utterance: All right. Do you have a routing number for that bank?

utterance: Yeah it's right here hang on. it's three seven seven four nine two nine zero zero zero.

utterance: OK.

utterance: And how about an account number for your bank at community bank?

utterance: My account numbers two three eight eight nine two zero zero.

utterance: All right. Thank you Jill. Nothing will process unless the loan is approved. But we will notify you before we process any down payments if the loan does get approved OK.

utterance: OK. So if it don't get approved they won't take any money out of my account though right? There's no charge for just applying?

utterance: No Jill. so if the loan is not approved then they will not draft that down payment and Intellibank does not charge just to apply for the loan. So nothing will come out if for some reason your you don't get accepted for the loan nothing will come out of your account.

utterance: OK. Thank you.

utterance: All right Jill. Give me just a moment OK. I'm gonna send this through to see if I can get a pre-approval for you. OK? Give me just a second on that. Usually come back fairly quickly.

utterance: All right.

utterance: OK Jill. So I did get the pre-approval for the loan for you. So what I am gonna do now, is I'm gonna email you a link to our loan portal with that, with that link I'll send you a list of documents I'm gonna need you to provide. Once you have access to that email and you can upload those required documents then a loan agent will reach out to you to assist you with the loan process after they've reviewed those. So once they know that for sure that your, that you've been accepted then they will they will reach out to you to kind of go through that process with you. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be that the loan will not be secured until all information is provided and being verified OK? Do you have any questions about that part?

utterance: No I don't. So you said I'll get an email and it'll kind of explain everything in there?

utterance: Yeah so you'll get an email and it'll have a list of all the documents that we need you to upload to the portal just so we can verify things for you to get that loan application reviewed a little bit further.

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

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

utterance: Not a problem at all Jill. You thank you for choosing Intellibank and you have a great day.


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

utterance: Hi Jenna, how are you doing today?

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

utterance: I'm doing great, thank you. listen in the next, probably, week or two, I'm going to be applying for a new business loan with you guys and, I mean, I already have a credit card. My my business gold card with you guys. But, I was needing to see if you guys would already have the required business documentation on file? Or, Well, I've had the card for like, a year now, so would you need new copies of everything? And if so, what would the documentation be that you would need?

utterance: All right, ma'am. Well, with the length of time that you have had the card with us we would need updated information. And the information that we would need would be a copy of your business license, two years of your personal tax returns, two years of your business tax returns, and then two years of your year-end financial statements. And that information could either be emailed to us, mailed in to us, or faxed to us.

utterance: Oh, OK. OK. I understand. it would probably be easier for me to fax it in to you. Could I have your fax number, please?

utterance: I'd be more than happy to give that information to you, ma'am. our fax number is area code eight zero six five nine nine eight six zero zero.

utterance: OK. So, that's eight oh six five nine nine eight six zero zero?

utterance: That is absolutely correct.

utterance: OK. Thank you so much.

utterance: Thank you, ma'am. Was there anything else I could assist you with today?

utterance: yeah, like I said, I do have a business credit card with you. Could I check the balance of that?

utterance: Well, I'd be more than happy to check on that for you, ma'am. Let me get some information from you, so I can pull up your account, OK?

utterance: Sure. What info do you need?

utterance: May I have your name please, ma'am?

utterance: Oh, yeah. Sure, this is Dana, D A N A. My last name is Watson, W A T S O N.

utterance: Thank you so much, Ms. Watson. And, I have your first name as Dana, D A N A and your last name is Watson, W A T S O N?

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

utterance: Thank you so much. And may I have your birthdate, please?

utterance: Sure. My birthday is December the eleventh nineteen seventy-nine.

utterance: Thank you, ma'am. I have your birthdate as December the eleventh nineteen seventy-nine.

utterance: Yes, ma'am.

utterance: Thank you. And, may I have your PIN number, please?

utterance: Sure. My PIN number is in my office. Could you? I'm so sorry, could you hold for just one moment while I go and grab that?

utterance: That's no problem whatsoever, Ms. Watson. Just let me know when you're back.

utterance: OK, thank you. It'll just be one second.

utterance: OK, I'm back. Are you still there?

utterance: Yes, ma'am, I sure am. Were you able to locate your PIN number?

utterance: Yeah, sure. Sorry, about that. I am. I'm terrible about remembering numbers. My PIN number is six zero three five six nine one seven.

utterance: Thank you, ma'am. I have that as six zero three five six nine one seven?

utterance: Yes, ma'am.

utterance: Thank you, Ms. Watson. And may I have the number of the the credit card number that would like me to check the balance for?

utterance: Sure. I actually have two, if you don't mind. The first one is for my platinum card, and that number is five three one zero three seven one seven eight eight one six eight five four nine.

utterance: Thank you. I have five three one zero three seven one seven eight. I'm sorry, eight eight one six eight five four nine?

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

utterance: Thank you. And, I'm showing this balance is fifteen thousand nineteen dollars and twenty-eight cents.

utterance: All right, so, one five zero one nine twenty-eight.

utterance: That is correct, Ms. Watson. And I'm ready for the second number whenever you're ready.

utterance: OK, it's it's going to be for my gold card. I don't actually have that number with me. I I believe I left that card at the house. Do you have that? Just like on file where you could check it for me?

utterance: Ms. Watson, I'm so sorry. But unfortunately, without that credit card number, I'd be unable to check it for you.

utterance: Oh, goodness gracious. OK. I understand. That's OK.

utterance: All right, Ms. Watson. Was there anything else that I could assist you with today?

utterance: Nope, that'll be it.

utterance: All right, and again, I do apologize for not being able to check the balance on your gold card for you.

utterance: Oh, that's OK. I understand.

utterance: All right, Ms. Watson. Well, thank you so much for calling Intellibank. And you have a wonderful day.