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

utterance: Hi Jess. so I got this little flyer here about the special program that y'all are offering. for the travels package I guess. So I just wanted to set a meeting up with that.

utterance: OK. Are are you speaking about our traveler's card?

utterance: Yeah. I'm speaking about the traveler's card. And then I guess my question is is this something that y'all offer for bad credit?

utterance: yes. So what you would have to do is speak with one of our risk specialists.

utterance: Oh

utterance: OK.

utterance: OK. So can I go ahead and get you scheduled with one of our specialists today?

utterance: Sure.

utterance: OK. So can I start by getting your full name please?

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

utterance: I'm ready.

utterance: first name is gonna be Jack J A C K. Last name is going to be Popeye P O P E Y E Jack Popeye. And then my phone number is gonna be eight one eight three eight three five one seven five. Eight one eight three eight three five one seven five.

utterance: OK.

utterance: OK.

utterance: OK. Just just for future reference we usually don't need your phone number.

utterance: OK.

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

utterance: Absolutely. Gimme one second. OK. I'm ready.

utterance: OK.

utterance: Four four five six six nine six three one two seven five nine nine nine three.

utterance: OK. And so that was four four five six six nine six three one two seven five nine nine nine three.

utterance: That is correct.

utterance: OK. Great. So before we go any further I just need to get some answers to a few security questions.

utterance: OK.

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

utterance: Absolutely. it's gonna be one two three four.

utterance: One two three four. OK. Great. And you answered a few security questions when you set up your account. I'm just gonna to ask those now.

utterance: OK.

utterance: OK. What street did you grow up on?

utterance: Shreveport.

utterance: OK. OK. Great.

utterance: Shreveport Avenue.

utterance: OK. And what city did you meet your spouse?

utterance: Oh. We met in Saint Louis. Yeah.

utterance: OK. OK great thank you for verifying that information for me. I'm gonna go ahead and pull up your account.

utterance: Yeah do you have you ever been to Saint Louis?

utterance: No. Unfortunately I haven't.

utterance: Really? Where where are you at?

utterance: I'm currently in Baton Rouge Louisiana.

utterance: Oh. You like it out there?

utterance: Mhm.

utterance: What do you like about it?

utterance: there's great food and I like the humidity.

utterance: Oh wow. OK. Nice. Gotta get out there and try some of that Cajun food.

utterance: Yes, it's very good.

utterance: Nice.

utterance: OK. So I do have your account pulled up in front of me. I'm gonna go ahead open our scheduler so I can get you in contact with one of our risk specialists.

utterance: OK.

utterance: OK. So is there a specific day that you were hoping to speak with someone?

utterance: No. yeah. You can set me up for your next available opening.

utterance: OK. Let's see. So let me check tomorrow. OK. So it does look like we have quite a few appointments available tomorrow. Is there a specific time you want me to schedule you for?

utterance: I'm open for whatever.

utterance: OK. So our earliest one is nine a.m..

utterance: OK.

utterance: I could do I can do nine.

utterance: You could do nine?

utterance: Yeah.

utterance: OK. Let me see. I'm scheduling you for nine. And did you want this phone call to happen in person? I mean sorry did you want this meeting to happen in person? Or would you rather a phone call or an email?

utterance: We could. Let's do email.

utterance: OK. And what's the best number. I mean email to reach you at.

utterance: can we do the business email?

utterance: Yes. Of course.

utterance: OK. It's going to be muscles M U S C L E S.

utterance: OK.

utterance: Yeah. Let me know when you're ready.

utterance: Yes.

utterance: OK. At Popeyes dot com.

utterance: Mhm.

utterance: OK. I have you down for muscles at Popeyes dot com.

utterance: Yeah.

utterance: And that's for nine a.m. tomorrow. OK. Great. Let me see who will be contacting you. So it looks like we have tomorrow at that time. Tammy Vice will be contacting you.

utterance: OK.

utterance: OK.

utterance: She has been with us for quite a while so I think you'll be more than happy with her customer service.

utterance: Nice. Who. I mean whoever's fine. You can even put a trainee on me. I'm a pretty easy kind of guy.

utterance: Aww. That's very generous. OK. Well it will be Tammy. She will be emailing you tomorrow at nine a.m..

utterance: OK.

utterance: so be on the lookout. It should come from Intellibank. At Intellibank dot com.

utterance: OK. And then does it hit the spam folder or?

utterance: sometimes it does, so I would just go ahead. If you. If nine o'clock comes around and you don't see it, I would check the spam folder.

utterance: OK. Got it.

utterance: OK. So is there anything else that I can help you with while I'm on the phone with you?

utterance: No. I think this is pretty straightforward. Got Tammy Intellibank email. Yeah. No. This is great. Thank you so much for helping me. You've been great.

utterance: OK. Thank you so much. You have a lovely day.

utterance: Thank you. You too.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey Lydia, how are you doing today?

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

utterance: I'm doing good, I'm hanging in there. so a customer of Intellibank. I've been a customer for a couple of years now and I recently got you know some paperwork in the mail I get. You know a brochure about business loans and I was contemplating getting a business loan, but I just wanted to double check like all you know, everything that you would need from me I guess like all the documents, or whatever, that I would need to submit. to to see if I can get approved for a business loan.

utterance: What?

utterance: Yeah. Absolutely. OK so what you need is, you'll need your business license.

utterance: OK.

utterance: And two years of your personal tax returns.

utterance: OK.

utterance: Two years of your business tax returns.

utterance: OK.

utterance: And two years of your year end financial statements.

utterance: OK.

utterance: So also those, you know, they need to be either faxed or emailed. You can even snail mail them but I'm sure you know, that that takes much longer. I don't know if you wanna go do that.

utterance: Right.

utterance: I don't know, you could also just drop it off at a branch. Make an appointment to do that.

utterance: Yeah, I was gonna say. Would it be you know, easier just to sit down with somebody or

utterance: Yeah, if that's what you prefer. We like you to do like whatever you feel comfortable with. If you like in-person we're down with that. We we have you know amazing agents that are, you know, just waiting for customers to come in and sit down with them and you know, tell you all the other things we have to offer our small business owners. Like we have free seminars about business in in many locations across the country. We have a lot of, you know great perks about being part of Intellibank as well. So you can make it like a whole meeting about a bunch of different things at one shot.

utterance: Yeah. That would be really kinda interesting. I had no idea that like the seminars, or anything like that, that you guys offered

utterance: Mhm.

utterance: Is there like a way I could find out more information about all this stuff or?

utterance: Yeah. I could, what I could do is I can send you over an email with all that information and like what each branch offers. What First of all, what is your name?

utterance: It's Thomas Stone.

utterance: OK, Mr. Stone. And what is your address?

utterance: the address is two two two.

utterance: OK.

utterance: Hillsboro Road.

utterance: OK.

utterance: And that's at Nashville, Tennessee.

utterance: Mhm.

utterance: That's three seven two oh one.

utterance: OK. All right. So just like me quickly looking. There is a bunch of branches all around that area and what I'm gonna do now is I'm gonna email you those local branches and and you know, information of what's going on and you can actually go in to our calendar through that link and book an appointment. You can see the different agents that you can book an appointment with and you can do that.

utterance: OK.

utterance: Now now like for those seminars or is there documentation that I can bring to prove that I am a, you know, a customer of Intellibank, or a business owner or?

utterance: Well you just can bring, you know, you have your account number and your social. That that's fine.

utterance: OK.

utterance: If you wanted to do something like that. Now do you want me to set you up with online banking?

utterance: So you

utterance: Can even send all the, like, you know just in case. I know you like the in-person thing but it could be good just in case you're busy at some point and you can only like, you can just only have a few moments, maybe. But you could even download our Intellibank app on your phone. Just in case you wanna like look. Say that you do get a loan with us. You can look at when your payment is due. You can set up recurring payments if you had the online banking. So what I can do is, since you're going to make an appointment, I'm gonna send you the link for the online banking.

utterance: Mm K.

utterance: OK.

utterance: OK.

utterance: So you can just fill that out, so when you get there it'll already be done. They can pull that up and you guys can, you know, proceed in setting that up together. You could already put your information in.

utterance: But I I guess too, like, I guess it would be so much easier through the online banking to, you know submit my loan application.

utterance: Mhm.

utterance: like you say, keep track of payments and and bills and, you know, my account in general and also too, I'm sure I'd probably be able to find out about these seminars and stuff like that going on.

utterance: Mhm. Yeah, you can. But initially if you'd like to go in and meet with one of our agents you can, we'd be happy to do that. So you can start like that and then they can help you transition to the online one, you know.

utterance: OK.

utterance: OK so what's the first step?

utterance: All right so I, let me get your email address.

utterance: All right. It's T Stone

utterance: Mhm.

utterance: OK.

utterance: Nineteen ninety-six.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK and is that a capital T?

utterance: Yes.

utterance: All right, so I sent you over that link. It's got everything you need to set up an appointment through our portal and, you know it it'll start that way. Just look at all the appointments that we have available. Pick a branch. location and go from there.

utterance: OK.

utterance: Mm K and I'm sure it'll probably also give me that list of documentation I need.

utterance: Yes.

utterance: For the loan as well. OK.

utterance: Yes.

utterance: Yeah. It'll tell you what you need to bring in with you. All that great stuff.

utterance: All right, great. Well, thank you so much for your help.

utterance: Well thank you so much, Mr. Stone, for being a part of Intellibank and we look forward to seeing you soon.

utterance: Absolutely.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon, this is Andy speaking, Intellibank.

utterance: How's it going today?

utterance: I'm very good, sir, and you?

utterance: I am all right. I have a problem and I'm hoping that you guys can help me out. I unfortunately wrote a check for way too much money than the check was supposed to be for and and I'm not really sure what to do about this.

utterance: OK and thank you for telling us about your situation Sir. may I ask your first and last name please?

utterance: yeah. It's Jonathan Bixby.

utterance: And Bixby spelt Bixby?

utterance: You got it.

utterance: OK. Well thank you Mr. Bixby for calling and we definitely will be able to help you out on this issue. It sounds like you are requesting a service for stopping the check so that's something that we can, we can go ahead and do.

utterance: OK, yeah, so stopping the check if that's the best option then then that's I think what we're gonna need to do. there any other options or is stopping the check it? You can't like change the amount or.

utterance: OK.

utterance: Unfortunately once the check is written and issued on your part the amount is fixed because you are the ones you are the account holder who authorized the check. So you know that's, but it is within the bank's authority to be able to stop this check. So we are happy that you came to us at once and so I let me just before I process this for you, let me just get a little bit of more info. what is your date of birth?

utterance: Gotcha.

utterance: Mhm.

utterance: It's four twelve and nineteen eighty.

utterance: April twelfth nineteen eighty and what is your PIN number?

utterance: my PIN is one two eight zero.

utterance: OK. One two eight zero and could you just please give me one second.

utterance: Oh sure.

utterance: The system's a little slow today.

utterance: I completely understand. My system's a little slow today if you understand.

utterance: Thank you for your patience Mr. Bixby. so we now have your account open and just before we start processing the stop check I wanted to to double check the number of the check that you had issued.

utterance: Oh sure.

utterance: Do you?

utterance: Have that at hand?

utterance: Yeah. It's number one two five.

utterance: OK. One two five.

utterance: Not using a whole lot of checks these days.

utterance: Yeah we we we do have a lot of customers who are expressing the same sentiment. You know, online banking and then Zelle, that's those are the services that have been very popular with small businesses these days.

utterance: I feel like I forgot how to fill out a check. That's probably why I put the wrong amount in there.

utterance: That's all right. so OK, so the the check is check number is one two five and just to confirm the check is made out for six thousand dollars?

utterance: Yeah should have been six hundred. Big mistake.

utterance: Sometimes that zero makes all the difference. OK. Thank you so much and we will go ahead and put a stop on that check just so you're aware.

utterance: Now should I wait a certain amount of time before I write the new check and send that out, or can I go ahead and send that out today?

utterance: So once we put the stop on this check it will take effect immediately and that essentially means once the when they when the other party tries to cash this check it will not it will not cash so you can go ahead and write the next check.

utterance: So I should let them know that this is gonna be, that they can't cash this check?

utterance: Correct.

utterance: Great OK.

utterance: Yeah. This is something that you should definitely, as the issuer of the check, let them know that and also depending on what your plans are let them know right away that you're, that you'd be issuing another one to them.

utterance: OK. All right think that's everything. I appreciate you taking Oh excuse me, man. I appreciate you taking care of this.

utterance: Of course. Is is that all that you need today?

utterance: That's all today.

utterance: Mr. Bixby?

utterance: OK. Thank you so much Mr. Bixby for banking with Intellibank and please let us know don't ever hesitate to reach out for anything you need.

utterance: Thank you, have a good day.

utterance: You too.


utterance: Hey it's Danny at Intellibank. How can I help you today?

utterance: hi Danny. I'm I'm calling today to find out how much I owe on my SBE loan.

utterance: Your SBA loan. OK. Is it the small business loan?

utterance: Oh yes yes. Small business loan.

utterance: Yeah yeah OK I can help you with that. All right First off I gotta ask you what's your your full name and your date of birth.

utterance: Alright, that's Reta. Reta Sithe.

utterance: Mhm How do you how do you spell the Sithe?

utterance: It's S I T H E.

utterance: S I T H E. OK. Alright and what is the account number for this?

utterance: hold on, one moment. OK. And is that that's the the the eight digit number?

utterance: Mhm.

utterance: Yeah. Yeah I. Small business loans are eight digits.

utterance: OK. So I think I got that right here. OK so it's three four five six.

utterance: Three four five six.

utterance: Seven eight nine five.

utterance: Uh-huh.

utterance: OK. Alright, so you're looking to to make a payment on that today. Is that correct?

utterance: I'm trying to find out how much I actually owe.

utterance: OK. Alright, well you know. The the full amount or how much you pay each month?

utterance: I wanna find out how much I pay each month.

utterance: OK. Well, according to this, it looks like you pay three thirty-five.

utterance: Three thirty-five? Alright all right so let me think. I'm trying to decide if I actually wanna do that today or if I wanna pay that later on in the month.

utterance: Mhm.

utterance: OK.

utterance: Yeah whatever's easier for you, you know, you let me know.

utterance: so hold on one second let me let me check with my husband, one second.

utterance: OK.

utterance: OK. so I think I do wanna go ahead and pay that off today. Is there anything else you need from me?

utterance: OK.

utterance: no no I just. well actually yeah to make that payment I'm gonna need your your bank account number and your routing number.

utterance: OK. My bank account number. OK. That should be six six four. Three. Five nine eight seven.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: Seven seven three four.

utterance: OK.

utterance: And you needed my routing number too?

utterance: Yeah I do need that.

utterance: Alright hold on. Let me let me find that out for you. I don't have that that number off the top of my head.

utterance: Oh OK. Yeah yeah.

utterance: is that gonna be in my my checkbook?

utterance: Yeah they have them on the check. It's so you got your account number here and then the routing numbers right next to it. Alright thank you.

utterance: Alright hold on one second honey.

utterance: Alright, so I do have my checkbook in front of me right now. And so you wanted the routing number? OK. Hold on one second let me locate it. Alright, I think I got it.

utterance: OK.

utterance: That's correct!

utterance: OK. What what we got here.

utterance: OK. That's gonna be one zero two nine two three.

utterance: One zero two nine two three? OK. And you again you want to make that payment today on the tenth, correct? OK. And is that gonna be recurring or just for today?

utterance: On the tenth, yes.

utterance: let's make it recurring.

utterance: OK. So we make that on the tenth every month. For three thirty-five.

utterance: OK. Well, putting that in the system right now and it is processing.

utterance: OK. And can I also get some information about your aluminum card?

utterance: The aluminum card you you mean the platinum card? or the silver card?

utterance: Oh.

utterance: Oh shoot! which one is the the best one?

utterance: Well I'd say platinum. Platinum would be good for you.

utterance: OK. Yeah so if I wanted to go ahead and sign up for the platinum card, can I go ahead and do that online?

utterance: Yeah you can do that online. You can do that anytime, it's no big deal.

utterance: OK. So, I'm probably gonna go ahead and do that. I need to talk to Bryce, my husband, and see if he wants to do it. but we are looking for a card, so thank you for letting me know about that.

utterance: Hey is there anything else I can help you with?

utterance: No, I think that's all good.

utterance: Well, thank you again for being a good customer out here at Intellibank. And you have yourself a great day. Alright, bye bye!

utterance: Thank you, you too!


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

utterance: Hi Danny. How's it going today? I hope you're having a great day.

utterance: Oh, thank you, how are you?

utterance: I'm doing good, I'm doing good. I'm gonna be better after I I find out, I find out a few things. I'm looking to get a loan actually,

utterance: OK.

utterance: Yeah. An SBA loan. I have a business account. With y'all, and yeah, I have a few questions about my account.

utterance: Of course. I'd be happy to help you with that today. can I start by getting your full name?

utterance: Yes, yes, yes. My, my my name is Joe Joe, Joe Ronson.

utterance: OK.

utterance: And yeah, I think we're coming up next month on a year. A year in that I'll have this account now.

utterance: OK. Yeah, I can go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: Yeah forty-six eighty-two ninety-four twelve eleven thirteen zero six forty-one.

utterance: OK. And just to verify that's four six eight two nine four one two one one one three zero six four one.

utterance: Yeah, that that's that

utterance: OK, great. So, I'm gonna get started on pulling up your account but, before we proceed, I need to just verify some information, just for the security of your account.

utterance: OK, yeah. Whatever you need to know.

utterance: OK, can I get your birth date?

utterance: Yes, it's August fifth, eighty-one.

utterance: OK, August fifth nineteen eighty-one. And can I go ahead and get your PIN number please?

utterance: It's forty-one thirty-six.

utterance: Forty-one thirty-six, OK. For your security question, what is the name of your first pet?

utterance: Yeah, it's Skippy.

utterance: Skippy, yep.

utterance: Yeah.

utterance: and what is your, the street you grew up on?

utterance: I grew up, I grew up on Elmer Street.

utterance: Yep. OK. just give me one moment to pull up your account. Thank you for verifying that information for me.

utterance: Oh, of course.

utterance: OK. I am pulling it up. So, today you wanted to check on your quick liquidity ratio?

utterance: Yes, that, that, that's the main thing I I I'd like to find out. yeah, because I I just wanna make sure that I have a good chance for applying to this SBA loan before I submit.

utterance: Yeah, it's always good to know your financial standing before, I know. So that's great that you're being pro-active about that. Lemme see what I can do for you? OK, I'm taking a look right now. And, it looks like your quick liquidity ratio is point four five.

utterance: OK, yeah. So, all our knowing that, I think I I will proceed with the with the application. I actually have a tennis tournament that I'm gonna attend. in like an hour and so I'm just kinda you know? Mentally at this tennis tournament right now. Are you, are you into tennis?

utterance: I've seen a few matches.

utterance: You play tennis?

utterance: No, I've never played unfortunately.

utterance: Tennis is such a

utterance: Great sport, it's like I mean it's not like the I mean it it it might be the greatest sport. actually, no it it it's probably the greatest sport. So, I I'm kinda I'm gonna go run to this tennis tournament. But then, when when I get back, I'll, I'll I'll submit, what time do you all close?

utterance: this evening we close at six.

utterance: OK, yeah, my tennis tournament's gonna go to like, eight. Eight so.

utterance: Well

utterance: We do have the option for you to apply online.

utterance: Online? Oh, so maybe I could? Yeah. OK, so I'll probably apply on line, this evening. And then, you know, I'll probably, hopefully hear from you the next day or the next few days?

utterance: Yes, it usually takes about, one to two business days for us to give you a call back.

utterance: Great, great. OK, well yeah, consider that yeah I can you know? Look out for my application it'll it'll be on my what's your name again?

utterance: I'm Danny Brooks.

utterance: Danny Brooks, you, you're so helpful, you've been great. Can you yeah, if you need me to take a survey? I can take a survey, I mean but after my tennis tournament of course.

utterance: Oh, thank you. I'm so happy to help.

utterance: Oh, we're not currently running any surveys but I really do appreciate that.

utterance: OK. Oh, well well tell your manager that that that your supervisor, that you're outstanding.

utterance: Oh, thank you so much. And well I hope you enjoy your tennis tournament. And I'll be looking forward to receiving your application.

utterance: Oh.

utterance: OK, thank you so much, Danny.

utterance: OK, you have a good day.

utterance: All right, you too.

utterance: Bye.


utterance: Hello, and thank you for calling Intellibank. This is Mitchel. How may I be of service today?

utterance: Oh hi Mitchel. yeah. So I I do have an account already with Intellibank and I'm a small business owner hoping to get a corporate credit card for my business.

utterance: Well, congratulations on being a small business owner.

utterance: Thank you.

utterance: We can definitely look in to getting a card for you. since you already have an account with us, the best way for us to start is for you to give me your full first and last name.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: As it appears on the account.

utterance: OK. That would be Jessica Jesebellina.

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

utterance: My date of birth is November nineteenth, nineteen eighty-six.

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

utterance: Six two zero three one two four three four, and driver's licence D seven four three two eight six.

utterance: Great.

utterance: Mhm.

utterance: And Let's see here Looks like I just need the four digit pin and we'll be able to access your current account.

utterance: Great. One seven seven eight.

utterance: Great. All right. We are in and I see here that you have our business checking account.

utterance: Mhm.

utterance: Our smart business account. looks like you've been a customer quite a while. We appreciate that.

utterance: Yes.

utterance: Mhm.

utterance: Mhm.

utterance: all right. So we have three different types of cards that are available to you.

utterance: Mhm.

utterance: We have our business gold card, our business silver card, and our business platinum card How much were you looking for for credit on that card?

utterance: Mhm.

utterance: Mm.

utterance: Was hoping to gain access to about fifty thousand dollars.

utterance: OK. Then you are probably looking to apply for either our silver or our platinum.

utterance: OK, great.

utterance: Which one would you like to apply for.

utterance: well, what are what are the main differences?

utterance: Well you can actually Oh excuse me sorry about that.

utterance: That's OK.

utterance: You can actually get a higher credit limit.

utterance: Mhm.

utterance: If you apply for our Platinum card.

utterance: I'll go with the platinum.

utterance: All right.

utterance: Mhm.

utterance: And what is the name of your small business?

utterance: Jesse's Jewels.

utterance: And the email address for that account.

utterance: Jesses Jewelz with a Z at iCloud.

utterance: And are you the sole owner?

utterance: Yes sir.

utterance: I'm gonna need your tax ID number that is tied to that business.

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

utterance: And I need your gross income for last year.

utterance: Excuse me. I am tired and I need some coffee.

utterance: Oh.

utterance: No problem, I completely understand. We've hit the end of the week, get those Friday fuzzies, as I call them.

utterance: Mm.

utterance: Oh, that's a cute name.

utterance: Thank you.

utterance: It is Friday. I didn't even notice.

utterance: It is. Weekend is almost here.

utterance: Oh! OK. OK. OK. So what was I about to give you again?

utterance: you were gonna give us your last year's gross income for the business.

utterance: Right. It was seven million dollars.

utterance: All right, and what was the business's establishment date?

utterance: That would be September September thirtieth, and it was in the year of two thousand and fourteen.

utterance: All right.

utterance: Mhm.

utterance: Well, we're all set on this application.

utterance: I will put it in here in just a moment. I'm just gonna need to ask you your security question before I submit.

utterance: Mhm.

utterance: what was your first pet's name?

utterance: First pet's name? Reynaldo.

utterance: All right. That is correct. This has been submitted. And, just a moment, please.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: All right. Well looks like you have already been approved for our Intellibank platinum business card.

utterance: Mm.

utterance: Mm.

utterance: Perfect.

utterance: you should receive it in the mail in seven to ten business days.

utterance: Oh, wow. Thank you so much for your all of your help today.

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

utterance: Have a great weekend.

utterance: Thank you very much, and thank you for calling Intellibank.

utterance: Mm.


utterance: Hello and thank you for calling Intellibank. My name is Rachel and I am happy to assist you today. Who do I have the pleasure of speaking to?

utterance: Hi. I'm my name's Sarah Brown.

utterance: Hi, Sarah. How are you doing today?

utterance: I'm OK. How are you?

utterance: Great, thanks. And you said you'd I'm sorry. How may I help you?

utterance: I wanna apply for a line of credit.

utterance: Oh, that's right. That's what you said. All right. I'd be glad to do that for you. And I'm just gonna need a little bit of information from you too cuz we can do this all over the phone.

utterance: Mhm.

utterance: OK.

utterance: All right. Are you ready?

utterance: I'm ready.

utterance: Great. please spell your first and last name for me.

utterance: S A R A H. Last name is Brown like the color. B R O W N.

utterance: Got it. All right. And your home address?

utterance: My home address is twenty-two fifty-six Woodland Avenue. And that's Northridge California nine one three three five.

utterance: Nine one three three five. Thank you so much. And what is your Social Security number?

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

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

utterance: it's A five three four one seven.

utterance: And that is from California?

utterance: It is.

utterance: Thank you. And what is the four digit PIN number you would like associated with this application?

utterance: Five five seven two.

utterance: Thank you so much. And what is the name of your business?

utterance: the name of my business is Sarah's Hair Salon.

utterance: Thank you so much. I'm is that? Did I? Sarah's Hair Salon, is that the full name?

utterance: yes.

utterance: Thank you. Wanna make sure I didn't cut you off there. And Sarah, are you the sole owner?

utterance: I am.

utterance: All right. And what was the month and date that you established your business?

utterance: two thousand fifteen. It was in December of two thousand fifteen.

utterance: OK. And what was the what were the gross annual sales for last year two thousand twenty?

utterance: One hundred thousand.

utterance: Thank you so much. Your tax ID number?

utterance: seven two one one five six.

utterance: Seven one five six?

utterance: Uh-huh.

utterance: Thank you.

utterance: also while I have you on the phone, same process to ask for a real estate loan?

utterance: Mhm.

utterance: technically, it's the same process but it is a separate application.

utterance: I see.

utterance: There there might be some different questions, some different documentation depending on collateral.

utterance: OK.

utterance: But overall, it would be the same process. And if you would like to do that when we're done here, I could assist you with that as well.

utterance: OK. Thank you.

utterance: All right.

utterance: We'll see where we are when when you are done here. And you know, I'm sorry. My screen froze for a minute. Did I ask you for your tax ID?

utterance: yes. That was the last thing you asked me for.

utterance: Great, thank you.

utterance: Let me just then go to the next screen. okay, great. Just saved that. What is the address for your business?

utterance: the address for my business is twenty-one fifty-two Tampa Avenue, and that's Northridge California nine one one four two.

utterance: Thank you. Is there a unit number associated with this?

utterance: No.

utterance: Thank you so much. And is the business currently at this address or are you still in the build-out process?

utterance: no, it's still at this address.

utterance: OK great. Didn't know if it was a new business being started, cuz I need to include all that information. All right. And your mailing address, is that the same or is that different than the business address?

utterance: it's the same.

utterance: Same. Very good. All right, Sarah. And what is the desired credit limit that you are applying for?

utterance: Fifty thousand.

utterance: Fifty thousand dollars even?

utterance: Correct..

utterance: You. All right. I'm just inputting in this in the system. And finalizing this. that is that is all we need for the application itself. However, we will need some photo copies of your driver's license and your tax ID number. I am sending you a link to your email account that the email will include a link to this completed application. And then there will be a separate link for uploading your documents. If you can have those in by the end of business day, I can quote you a say that the application will take between seven to ten days for approval. And I do have to advise you that interest rates are set by the FCC and credit terms are determined by a customer's credit history.

utterance: OK.

utterance: That concludes the application. Did you want to apply for the real estate loan now as well?

utterance: You know what? I'll call back another time and apply for that.. Thank you.

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

utterance: Thanks. You too. Bye.

utterance: Bye bye.


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

utterance: Hi this is Troy.

utterance: Hi Troy.

utterance: Yeah so reason for my call. I have a business account with you. I've had an account for about a year now. we have a few cards through this account we have a rewards card. We also have a travelers card. But looking into getting a looking into getting a real estate loan and hoping to do that within the next thirty days. I'm on your website and I'm I'm going I'm using the calculator and I think I'll qualify but I just wanted to ensure that I was looking at the right quick liquidity ratio for my company just before I I I don't wanna necessarily get denied, I don't wanna waste anyone's time so I just was hoping to speak to someone to find out about the quick liquidity ratio.

utterance: Of course, I can help you out with that today. can I start by getting your full name?

utterance: yes so Troy. And last name is Clovis.

utterance: OK great. So let me pull up your account so I can check on that liquidity ratio for you. can I have your credit number please?

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

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

utterance: Yes. That's right.

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

utterance: OK.

utterance: OK. So can I get your PIN number?

utterance: Yeah it's five two three one.

utterance: Five two three one. OK and you answered a few security questions when you set up your account so I'm just gonna run through those really quickly with you.

utterance: OK.

utterance: OK. So what instrument did you play in middle school?

utterance: I played the flute.

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

utterance: I grew up on Baker Street.

utterance: Baker Street. OK. So I'm I'm in your account, I'm pulling it up right now and so today you wanted to check on your quick liquidity ratio right?

utterance: I did I did.

utterance: OK, just give me one moment to pull that up for you.

utterance: It's raining so hard out here. Is it is it raining where you are?

utterance: actually it's pretty sunny here.

utterance: Is it? Oh OK yeah it's it's yeah it's it's been raining for like a week now. Where where are you based?

utterance: I'm out in LA right now.

utterance: Oh inLA I love LA. Hollywood? Isn't that isn't that where all the stars live? I.

utterance: Yeah, some of them do live there.

utterance: Yeah.

utterance: Oh

utterance: Man right, like it's. I hear Hollywood is so beautiful. I hear the streets are just paved with stars. Is that is that true?

utterance: Yes on the Hollywood walk of fame, they do have the stars up there.

utterance: Oh I bet you see celebrities all the time.

utterance: Yeah every now and then.

utterance: Wow. Wow. Have you ever met Snoop Dogg?

utterance: No, unfortunately I haven't.

utterance: Oh, I. I'm

utterance: Hoping to meet Snoop Dogg.

utterance: Well, you never know.

utterance: I I I really

utterance: Want that to happen.

utterance: You never know. Well OK Troy, I do have your information pulled up right now.

utterance: Yeah.

utterance: OK.

utterance: Oh right right.

utterance: So it looks like your quick liquidity ratio is point two five.

utterance: Oh OK is that that's good right?

utterance: it is on the lower end of the spectrum but I wouldn't be worried.

utterance: Oh, yeah?

utterance: No? OK great so between you and I got a good shot or what?

utterance: it's hard to say just based on just your ratio, you would we would advise you to go into our online system and use the calculator and put in other things like your net income.

utterance: OK.

utterance: and that'll give you a good idea of whether you'll be approved or not and like what your options are. And that usually takes just a few minutes to go ahead and do that, so if you wanted to do that online, it's on the right hand tab, it's under calculator.

utterance: OK. I see it. Right, I'm OK so before before I send this out lemme just I'll I'll just crunch some numbers and I'll I'll just lemme just assess this and I'll submit it and then and then I'll call you back.

utterance: OK.

utterance: That work?

utterance: Yeah that works. So just so you know, once you do the calculator that's just for your personal information.

utterance: OK.

utterance: So if you did want to go ahead and apply that would be a separate application that you would do.

utterance: OK perfect, perfect. So lemme just calculate first and then I'll get into the application and then I'll reach back out if I need help.

utterance: OK sounds good. Is there anything else that I can help you with?

utterance: That's it thank you so much.

utterance: OK. You have a good day.

utterance: Bye bye.


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

utterance: I'm about to go out of town on a family vacation but I really can't head out without making sure all of my business is taken care of. I wanted to schedule a long payment so I don't have to where a. Where about when I get back. I would like. I know I would probably I know I would probably be to tired dealing with my sister kids.

utterance: OK sir. I can certainly help you with that. I can schedule your loan payment today and it'll go through as soon as you want it too. Is that OK with you?

utterance: Yes that sounds good.

utterance: All right.

utterance: I'm gonna need a little bit of information first sir.

utterance: All right.

utterance: All right. So first of all can I have your full name and date of birth please?

utterance: Yes my name is Gabriel Robinson. My date of birth is ten twenty-four one nine seven four.

utterance: So you said Gabriel Robinson is that R O B I N S O N?

utterance: Yes.

utterance: OK.

utterance: Sir and your date of birth was ten twenty-four nineteen seventy-four. Is that correct?

utterance: Yes.

utterance: OK thank you so much Mr. Robinson for that information. Can I have you pin for that account in question?

utterance: Yes, my PIN is four four nine five four nine.

utterance: OK sir. You said that pin was four four nine five four nine?

utterance: Yes.

utterance: All right. Thank you so much and can I have the loan account number on file?

utterance: Yes the loan account number is zero zero five seven seven nine six seven thirty Hold on that's the wrong one. the correct one is zero zero five nine seven seven six one three one.

utterance: Oh.

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

utterance: Yes.

utterance: OK. Thank you so much sir. And right now your balance due is one thousand two hundred and fifty-four dollars on that loan in question.

utterance: All right.

utterance: OK and could you give me the payment account number you would like to use.

utterance: The payment account number.

utterance: Yes sir.

utterance: Is four oh nine five six two three one five seven.

utterance: All right. You said that number was four zero nine five six two three one five seven?

utterance: Yes.

utterance: All right sir and could you give me the routing number for that account number sir?

utterance: Yes that routing number is five one one three four three six seven eight.

utterance: All right sir. That number again was five one one three four three six seven eight?

utterance: Yes.

utterance: OK thank you so much for that information and what date would you like to schedule this payment for sir?

utterance: this month it's eleven ten.

utterance: OK you want that scheduled for the tenth of each. Of this month?

utterance: Yes.

utterance: OK. It looks like your due is normally on the twenty-first. So that'll be right ahead of that scheduling.

utterance: OK.

utterance: OK sir. Just give me one moment while I schedule your loan payment in our system.

utterance: Take your time Natasha. I wish Oh boy. I wish my sister I. I wish my sister had named her daughter that instead of Phoebe. Now everyone calls her Phi-phi. Which sounds like a dog's name. The name to me. If you ask me. so what do you think of that name and do you have a nickname? Or not?

utterance: yes sir. I actually like that name. I actually knew a young girl named Phi-phi when we were growing up and I don't think that her name was Phoebe. So that was actually her name. So I kinda got used to that name and no I actually don't have a nickname. I tried to make up one when I was younger cuz all my family has one but it never stuck. So I'm just stuck just being known as Natasha.

utterance: That I just know it. It. It's hard coming up in school have a nickname.

utterance: Oh yes.

utterance: Stay with you.

utterance: The rest your life, even if it's thing. my name and my name is this right here but they called me something totally different. They called me Ray Ray.

utterance: Oh Ye~

utterance: Why they.

utterance: Called me that.

utterance: Yeah I knew a friend of mine. His name was Bobby and they used to call him Monk. I have no idea what that was about but. Oh but I never did get information on that.

utterance: All right sir. Mr. Robinson looks like I've gone ahead and scheduled that loan payment for you. That will go through on the tenth as requested and the amount will be what the normal payment is. It looks like that payment schedule has is being is being debited for one twenty-five. each month. So.

utterance: Right, right.

utterance: That's.

utterance: The amount that'll go through. If you have any questions about this. Feel free to give us a call back. You can also go online at our site. and access this information through your online banking account as well.

utterance: OK thank you.

utterance: OK thank you so much Mr. Robinson. Is there anything else I can help you with today.

utterance: that will be it.

utterance: All right. Thank you so much for your time and patience. My Natasha and I hope you enjoy the rest of your day.

utterance: You too Natasha.

utterance: Thank you sir. Bye bye.

utterance: Bye bye.

utterance: Bye bye.


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

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

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

utterance: It's Jill Baker.

utterance: And 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 apply for a term loan is that correct?

utterance: Yeah can you kind of explain what the term loan is to me?

utterance: Yeah I can. So on our term loans that loan is usually designed for lower borrowing amounts so basically you get that borrowed money upfront and then we'd set a term for repayment on that and usually our term for repayments are are very small like I said they go anywhere from maybe five years to fifteen years but there is no collateral that's required on those so you get a shorter term rate for that borrowing amount and then you you but you don't have to put anything up for that loan.

utterance: OK that sounds perfect that's what I want to apply for.

utterance: All right I'm just going to need to get some information from you. Do you currently have an account with Intellibank?

utterance: I do I have several business accounts.

utterance: All right so what is your main account number?

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

utterance: All right Jill and can you tell me the name of your business?

utterance: Yeah it's Johnson Controls.

utterance: And your date of birth please?

utterance: Yeah it's March second nineteen eighty.

utterance: All right Jill and it looks like your account has a four digit PIN number on it. Could you also share that PIN number with me as well. It's for security purposes.

utterance: Yeah it's six four seven eight.

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

utterance: I'm in Kansas City, Missouri.

utterance: OK and can I get your street address?

utterance: Yeah that's five three nine and it's Hoover Road. I'm in ZIP code seven three eight two zero.

utterance: All right and can I get your social security number as well?

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

utterance: All right and do you have a drivers license Jill and if so what is your drivers license number and the state of issue is.

utterance: I do so my drivers license is M nine three seven zero zero two zero zero and it's Missouri one.

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

utterance: I am.

utterance: And can you tell me when your business opened?

utterance: Yeah that's October nineteenth of two thousand and twelve.

utterance: All right Jill I just have a few more questions for you.

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

utterance: For twenty twenty I believe it was five and eighty-nine thousand that we grossed so that's the most recent one I'm aware of.

utterance: OK and what is your tax ID number?

utterance: So my Missouri tax ID that's seven three eight eight two nine zero.

utterance: All right and can you also share with me the address of your business?

utterance: Yeah that's eight three seven two Hillshire Way, Kansas City, Missouri eight three six seven two.

utterance: All right Jill can I also confirm an email address for you?

utterance: Yeah it's J Baker at Johnsoncontrols dot com so it's J as in Jill Baker Johnsoncontrols dot com.

utterance: All right Jill and can I ask why you're seeking this loan?

utterance: So mainly I just want to grow our business and build up our business administration plans so that's the main reason for it, it's just some extra funds to be available to kinda build up our business right now.

utterance: All right I can understand that. Can you tell me about how much you are wanting to borrow for this?

utterance: Well I like to say around ten thousand if possible.

utterance: Yeah I can do that for you, I can put that through. what term are you looking for on this?

utterance: I can probably pay it back in like five years if that's possible if I could just at least have five years.

utterance: All right Jill. So I am going to send this through to see if I get a pre-approval for you give me just a moment OK.

utterance: OK so if I am pre-approved will the funds be available immediately and will they deposit that into my checking account if necessary?

utterance: Yeah so once a loan is approved it usually takes about thirty days for tho- for those funds to be processed and available to you but they can deposit those funds into your checking account once they're approved. You'll need to request that from them if you're finally approved OK.

utterance: OK appreciate it. Oh have you heard they they called of the storm today.

utterance: I have not actually. I checked about an hour ago and they were still kind of expected around four p.m. but I haven't I haven't heard anything else about it other than what they originally said about the ninety mile an hour winds and possible hail and that kind of stuff.

utterance: I pulled all my workers back. I didn't want them to you know be out in it I wanted them to get home early. so if there is a storm coming I went ahead and pulled everybody back to to make sure they're safe.

utterance: Well I get off at three p.m. so hopefully I will get home before it starts but if they're saying it's going to start after four but it's really nice of you to make sure that everybody is safe and keep them home that's really important.

utterance: Yeah just don't want to be anybody to be out in that get hurt so hopefully that gives everyone time to get home before it really hits.

utterance: Yeah I I do I do think that you know that's probably like the safest thing is to get everybody home before the storm hits. let me see here Jill so I did I do want to let you know Jill that I did get that pre-approval for this loan for you so what I'm gonna do now is I'm going to I'm send you some information that will come from one of our loan portals you'll get that link to that loan portal and I'll also send you a list of everything that we need for you to upload in order for the final review to go through from one of our loan agents.

utterance: So once that loan agent is able to review those documentations then they will reach out to you by phone and kind of go over the last processes and last last steps of the loan with you so just want to verify real quick here to I'm gonna send that information to the email that you provided earlier I'm going to get that sent over to you now. once you get that information uploaded to the portal it should be like twenty-four to forty-eight hours before that loan agent will reach out to you to kinda go over the last steps with you. Was there any other questions that I might have you might have for me before I before I get all that sent over to you?

utterance: I don't think so. I think that will be really helpful I appreciate it.

utterance: All right Jill well I've got everything sent over to you I just want to thank you so much for choosing Intellibank and enjoy your your day you have a you good luck with this loan OK.

utterance: All right thank you.


utterance: Good afternoon, thank you for calling Intellibank. This is Rose. How can I help you?

utterance: Hi Rose, this is Kim. How are you today?

utterance: I'm doing pretty good. Thank you so much for asking. And how about yourself?

utterance: I'm doing pretty well. I'm actually sitting here trying to plan a vacation. to Japan for the spring. And I am needing to know what the current exchange rate is between from for US dollar to yen?

utterance: Oh my goodness to Japan. Can I go with you?

utterance: I know I'm super excited. This is my first time so I'm like just you know trying to get everything prepared, figure out how much money I'm gonna need coz I obviously am gonna need to take enough money to eat at all the fabulous restaurants and you know try everything out so.

utterance: Oh my gosh you're going to have so much fun and speaking of awesome restaurants, I have heard of several Michelin star restaurants over in Japan. you definitely need to check out Okinawa. that's one of the blue zones. I don't know if you are familiar with blue zones, the places where people live the longest?

utterance: Oh nice.

utterance: Oh, wow.

utterance: Yeah, Okinawa has a an American village too so you won't you know if you get tired of eating you know Japanese cuisine, you can go and get you some American stuff. I have been researching that place just because you know blue zones interest me, so that's why I know so much about it. But Wow! How exciting.

utterance: Huh.

utterance: That's awesome.

utterance: Well, thank you so much for that information. That is seriously awesome. I am definitely gonna check that out. That that's super interesting. I'll have to read up on that.

utterance: Oh, yeah. You're welcome.

utterance: Yeah, definitely. it's very popular and strangely the people from Okinawa don't really eat like traditional Asian foods like all of the traditional Asian foods with the exception of seaweed and miso and miso is actually. There is a a factory there. the miso that comes from Okinawa is made there and is fermented right there and has been there for like so long. I I forget how long that company's been there but it's really really good for you. But here I am going on a tangent about all of my studies. I'm sorry.

utterance: Wow.

utterance: Oh no, it's OK. It's I mean obviously it's something that interests you I hope at some point you get to go there.

utterance: Oh yeah, it's definitely on my bucket list. I can't believe you're going to Japan. As soon as you said it I was like oh my God.

utterance: yeah, I mean I understand. I am super, super excited. I I I didn't think that I was gonna get to have this opportunity so soon and I am super excited. it's a work thing but we're also gonna get to have some leisure time so that's what I'm saying, I'm trying to figure everything out money-wise so that I can make sure that I hit like the most fabulous places to eat. Doesn't have to be like super ultra fancy but I want to get as many experiences in as I can.

utterance: Oh, my God please take lots of pictures. I don't even know you but.

utterance: I will take the pictures and post them and if you find me one day we can talk about them.

utterance: Awe, thank you.

utterance: Absolutely

utterance: Awesome OK, so I have to ask you a few questions, get some of your information so that I can get that exchange rate for you, OK?

utterance: Absolutely.

utterance: All right, so is it Kimberly or just Kim?

utterance: just Kim.

utterance: OK, thanks so much and what's your last name, hon?

utterance: It's Johns, J O H N S.

utterance: OK, and what about your date of birth?

utterance: April twenty-fourth nineteen seventy-seven.

utterance: OK, cool and what is your PIN number?

utterance: Two four one zero.

utterance: OK, let's see here what else do I need. OK, also need your account number.

utterance: Oh, OK let me see here. I had that account number with me just a second ago.

utterance: That's no worries. Take your time. I don't have anywhere to be.

utterance: I am not seeing it. OK, hold on for one minute for me I'm gonna run into the office and see if I can grab it.

utterance: Sure.

utterance: Thank you so much.

utterance: You're welcome.

utterance: Rose?

utterance: Yes.

utterance: I'm so sorry. I don't mean to keep you on hold for so long. I I have looked all over the place and I can't find the my account number and I don't actually know it by heart so I I'm gonna probably have to call back when I can get my account number. I'm sure you're not going to be able to give me anything without that so.

utterance: Oh, no yeah, unfortunately I can't and but that's OK. I'll be here for about forty-five more minutes so if you wanna take time and go and look for that you can just call back and ask for me specifically so you don't have to go through all your information again, if you'd like?

utterance: Oh, well I appreciate that. Thank you so much.

utterance: Oh, you're very welcome. You're my new travel buddy. I gotta make sure to take care of you.

utterance: Thanks so much. I really appreciate it.

utterance: You are very welcome. Was there anything else I could do for you today?

utterance: Nope, that's everything. Thanks again.

utterance: All right, you I'll be talking to you soon.

utterance: All right bye bye.

utterance: OK.

utterance: Bye bye.


utterance: Good afternoon, thank you for calling Intellibank. My name is Jordana. How may I assist you today?

utterance: Jordana I am wanting to apply for an S B A seven A loan.

utterance: OK.

utterance: Here with your with your bank. I was wondering if you could help me with that.

utterance: Absolutely. I'd be glad to help you with that today. We can do that right right over the phone if you'd like.

utterance: OK.

utterance: OK great and may I get your name, please?

utterance: My name is William Robinson.

utterance: OK and R O B I N S O N.

utterance: That's correct. Yes.

utterance: OK very good. let me just pull you up on our system here. May I get your four digit pin number?

utterance: my pin number is six two five nine.

utterance: Great and can I just verify your date of birth?

utterance: My date of birth is six-twelve nineteen seventy-nine.

utterance: Wonderful OK great. All right I have you here in our system. Thank you for your loyal patronage with us. All right let me go ahead and get this started for you. so we're doing the loan under your name of William Robinson and can you please provide your home address?

utterance: Yes, it's two nine eight nine Oak Court. and that's in Los Angeles, California. Nine zero zero one three.

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

utterance: Nine four nine eight nine seven four two nine five.

utterance: Four two nine five. Great and your driver's license, please?

utterance: Drivers license number is California. Drivers license six two six three two three eight one eight one.

utterance: Very good and what is the best email address for you?

utterance: you can reach me at Will Rob at Ash dot com A S H.

utterance: OK. Ash dot com. Thank you so much and when was your business established?

utterance: Business was established in ninety-seven.

utterance: OK. That's good, I just need the year.

utterance: OK.

utterance: If it's that far back. And are you the sole business owner?

utterance: Yes, I am.

utterance: OK, very good. All right the next thing I need to find out are your gross annual sales. You can just use the last year if you like. Two thousand twenty.

utterance: kind of a low year but seven hundred thousand.

utterance: OK.

utterance: For that year.

utterance: All right well this is a S B A loan so even if you had a low year this is still the right loan for you.

utterance: OK.

utterance: All right your tax I D number.

utterance: Tax I D number is two four nine eight two seven four seven eight nine. Our address is six one eight nine Oriole Drive.

utterance: OK.

utterance: One moment please let me just generate the address box. OK go ahead one more time.

utterance: Six one eight nine Oriole Drive O R I O L E.

utterance: Mhm.

utterance: OK.

utterance: And that's suite number three. And that's Los Angeles, California.

utterance: Los OK.

utterance: Nine zero zero one three.

utterance: Nine zero zero?

utterance: One three.

utterance: One three. Great. All right, thank you so much, William. Is your mailing address the same as your business address?

utterance: Yes, it's the same.

utterance: All right great and the loan amount. How much would you like to apply for?

utterance: One hundred and seventy-five thousand.

utterance: One hundred and seventy-five. OK very good. All right in terms of the. In terms of the terms. How many how long would you like to apply for? You can do it for up to ten years.

utterance: So now if I be let to go with the ten-year term and I pay it off early is there a penalty for paying it off early?

utterance: There is not and I do like to advise customers to take the ten years because the interest rate it it's three percent. It's so low might as well take advantage of that.

utterance: OK let's go with the ten. I'll go with ten years.

utterance: OK.

utterance: Very good. the only thing that will be required upon approval is a down payment and it does need to be between five to twenty percent. How much would you like to put down upon approval?

utterance: Twenty percent.

utterance: Twenty percent. OK great. All right I am finalizing this application. I do see here that you also carry our business total checking so upon approval, if you'd like I could actually have that routed right into that account.

utterance: Yes, that'd be great.

utterance: OK, I don't need a routing number because it is an internal account. I have finalized your application and I am generating an email with the confirmation number and also a link to upload your photo ID and your tax ID and that will complete your application.

utterance: OK.

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

utterance: no. No, I I've think we've covered it.

utterance: All right well thank you so much, Mr. Robinson and I appreciate your business have a great day.

utterance: You too.

utterance: Bye bye.


utterance: Hi! Thank you for calling Intellibank. This is Ashley speaking, and how may I assist you today?

utterance: Hi Ashley. How are you today?

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

utterance: I'm well also.

utterance: the reason I made the call this morning. I need to know what's required what kind of business documents I'll need to apply for a loan.

utterance: OK the required business documentation that we would need. We would need your business license. We would also need two years of your personal tax returns. We'd need two years of your business tax returns, and then two years of your year-end financial statements.

utterance: All right. How, can I send all this. Get all this information sent to you?

utterance: Oh, OK. for that ma'am you can either email it to us. You can mail it in by snail-mail, or you can fax it.

utterance: I think fax would be easiest.

utterance: OK. I can give you that fax number if you'd like.

utterance: I would appreciate it.

utterance: OK. That fax number would be seven one nine three seven one six eight two zero.

utterance: Thank you so much.

utterance: You're very welcome! Was there anything else that I could assist you with today?

utterance: I'd like to apply for a term loan.

utterance: OK, I'd be more than happy to assist you with that as well, ma'am. I do need to get some information from you so we can get the application done. may I have your name please?

utterance: Yes, ma'am. My name is Stella Youngblood and my birthday is March the fourth, nineteen fifty-nine.

utterance: All right. Thank you so much Ms. Youngblood. Now your first name, is that spelled S T E L L A?

utterance: Correct.

utterance: Thank you. And your last name is Y O U N G B L O O D?

utterance: Correct.

utterance: Thank you. And then your birthdate was March the fourth, nineteen fifty-nine?

utterance: Correct.

utterance: Thank you so much, and may I have your home address, please?

utterance: I live at four six two four Clover Drive, Canon City, Colorado.

utterance: OK, that's four six two four, Clover, C L O V E R, Drive?

utterance: Correct.

utterance: Thank you, and the city was Canon, C A N O N, City.

utterance: Correct.

utterance: Thank you. And then, Colorado.

utterance: Correct.

utterance: Thank you. And what is your ZIP code?

utterance: Eight one two one two.

utterance: All right, eight one two one two?

utterance: Correct.

utterance: Thank you so much, Ms. Youngblood. And may I have your social security number, please?

utterance: the social security number is six five three oh seven one zero five five.

utterance: OK, so that's six five three zero seven one zero five five?

utterance: Correct.

utterance: Thank you so much. And I need your driver's license number as well, please.

utterance: All right, the license number is one nine seven five six one three zero zero.

utterance: Thank you. I have your driver's license number as one nine seven five six one three zero zero?

utterance: Correct.

utterance: Thank you, and what state is your driver's licence issue?

utterance: Colorado.

utterance: Colorado? OK, and we're going to need to a PIN number that can be anywhere between four and eight digits long.

utterance: Oh, well make it four eight two six.

utterance: OK, four eight two six.

utterance: Yes, ma'am.

utterance: OK, thank you. And may I have your email address please?

utterance: S dot Youngblood fourteen at Gmail dot com.

utterance: OK. S dot Youngblood fourteen at Gmail dot com?

utterance: Correct.

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

utterance: Sassy Rags.

utterance: Sassy Rags?

utterance: Correct. Oh. OK, thank you, and are you the sole owner of this business?

utterance: Yes, ma'am.

utterance: OK, And what date was your business established?

utterance: March the thirteenth two thousand and seven.

utterance: All right. March thirteenth two thousand seven?

utterance: Correct.

utterance: And what is your gross annual sales?

utterance: forty-five thousand.

utterance: Forty-five thousand? All right, and may I have your tax identification number please?

utterance: The tax identification number is one six nine one six one two oh nine.

utterance: All right. I have one six nine one six one two oh nine?

utterance: Correct.

utterance: Thank you. And may I have the street address of your business?

utterance: Five oh seven Lafayette Avenue, Canon City, Colorado.

utterance: OK, so five zero seven. Lafayette, is that L A F E Y E T T E?

utterance: Correct.

utterance: OK, so five oh seven Lafayette Avenue in Canon City, Colorado.

utterance: Yes, ma'am.

utterance: Thank you. And is that ZIP code also eight one two one two?

utterance: Yes, ma'am.

utterance: Thank you so much. Now when we send you any mail, would you like your mailing address to be your home address or your business address?

utterance: My business, please.

utterance: OK, and that's the five oh seven Lafayette Avenue, Canon City, Colorado eight one two one two?

utterance: Yes, ma'am.

utterance: Thank you so much. And how much would you like the loan amount to be?

utterance: I won't need a great deal of money. I'm just adding addition onto the sewer, and it should be be covered by about thirty thousand dollars.

utterance: OK, so thirty thousand. Oh OK, and the loan purpose, that would be construction costs, correct?

utterance: Mhm yeah.

utterance: Correct.

utterance: All right, great! And I need the term for your loan, that means just how long you would like to have to repay the loan. That can be anywhere between six months and ten years.

utterance: I should be able to do it in three years.

utterance: OK, so three years. Wonderful. Well, I have all of this information down for you ma'am, and Let's see, now, we do need you to send in the supporting business documentation that we went over earlier with you. And we will get back to you with the result of your application just as soon as possible, OK?

utterance: Yes, ma'am.

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

utterance: No. I appreciate your help. Thank you.

utterance: You're very welcome, Ms. Youngblood. Have a wonderful day. Thank you for calling Intellibank.


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

utterance: Yes, I'm wanting to buy a property so I need to see about a loan.

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill.

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

utterance: So I've been thinking about expanding my business and opening a warehouse to ship from. So right now we're doing like everything from our main location and we need more space so so yeah, not really sure.

utterance: OK. Do you already have a property in mind or are you currently looking for one?

utterance: So I found out that I think will work for us, I just need to find out about a loan now.

utterance: OK. And are you currently a customer with Intellibank?

utterance: Yes, I have all of my accounts with you.

utterance: OK. So do you have any property or assets that you'd be willing to use as collateral for the loan?

utterance: So I own my business and I own the building and the land that I operate on. So I could use that as collateral if if I needed to.

utterance: OK. So I think just based on that information, I think your best loan option might be our secured loan. would you be interested in applying for that loan today to see if we could get you that one for that property?

utterance: Yes let's let's do it. OK?

utterance: All right Jill. So what is your account number?

utterance: It's three four six zero two nine nine eight. Do you need my social too? that's eight four seven two zero nine three zero zero.

utterance: Thank you Jill. I I only need your account number right now but I will have you give me that social security number a little bit later, OK? What is the name of the business?

utterance: It's Johnson Controls.

utterance: All right Jill. What is your date of birth?

utterance: It's March second of nineteen eighty.

utterance: OK. And the account also has a four digit pin on it for security purposes. Could you share that pin number with me as well?

utterance: Yeah, sorry. It's 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?

utterance: It's five three nine Houston Road, Kansas City.

utterance: OK and your ZIP code?

utterance: Seven three eight two zero.

utterance: All right can I also get your social security number Jill?

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

utterance: All right Jill. Do you have a driver's license? And if so, what's your driver's license number?

utterance: I do have a driver's license. It's Amazon Murry nine three seven zero zero two zero zero.

utterance: OK. And what state is that license out of?

utterance: So it's a Kansas license I mean I live in Missouri but it's Kansas. we moved here like a year ago but I I haven't got it changed yet.

utterance: Yup. That's not a problem Jill. Can I ask too, are you the only owner of the business?

utterance: Yes. I'm the only owner.

utterance: OK. And when did that business open?

utterance: It's opened October nineteenth of two thousand and fifteen.

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

utterance: So last year I think we made like six hundred and thirty thousand or something.

utterance: OK what is your tax ID number Jill?

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

utterance: OK. I just want to verify the business name is Johnson Controls and that's Controls with an S, correct?

utterance: Yes, that's right.

utterance: All right. What is the address of the business?

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

utterance: All right. And can I confirm your email address Jill.

utterance: Yes, it's Jill Baker. J Baker. J as in Jill Baker. I'm sorry. I'm sorry I'm saying this all wrong. So it's J Baker. J as in Jill Baker at Johnson Controls dot com.

utterance: OK, so let me confirm that real quick. So you said J Baker at Johnson Controls dot com, correct?

utterance: Yes, that's right.

utterance: OK. Jill, where do you receive your mail from Intellibank? Do you receive that at your business address or your home address?

utterance: you can email everything to me. oh I'm sorry. To me at the business. That's where I get most of my mail.

utterance: OK. You. And just to confirm, are you seeking. You're seeking a loan to buy a property, is that correct?

utterance: Yes, that's right. It's a warehouse I'm trying to borrow.

utterance: I'm sorry. I'm trying to buy.

utterance: OK. do you know where this property. What this property is currently listed at and how much you're looking at to to borrow for that loan?

utterance: So it's they're set at a hundred and ninety thousand and so that's probably what I need to borrow to need to borrow to buy it to buy it I guess. Yeah, I just need a hundred and ninety.

utterance: OK and would you would you be putting anything down towards that loan?

utterance: I could probably do like five per cent down maybe like five per cent I think.

utterance: OK. so five per cent of that would be nine thousand five hundred dollars. Is that correct?

utterance: Actually, can we do ten thousand. I could put ten thousand dollars down so maybe just a little more than five per cent.

utterance: Yup. I can do that. I'll put ten thousand dollars down and what term are you looking for for that?

utterance: Probably like twenty or thirty years I'd need to pay it back if that'd be OK.

utterance: Alright Jill. I'll put that down for twenty to thirty years. And Jill, can you give me the address of the property that you're interested in?

utterance: Yeah, it's four zero two eight and that's New Heights. It's down by the new stadiums, do you know where that is?

utterance: Yes, I do. I know where that is. is that Kansas City, Missouri as well though?

utterance: It's actually Park View Park View Missouri and it's five seven eight three zero. It's like a great little area down there. There's so many businesses popping up around the stadium. I don't know if you've been there. Have you been there since the stadium reopened?

utterance: I have not been. I have not a chance to drive by there. I know that I've seen pictures of it online and it looks really nice.

utterance: Oh it is. It's really nice. There's like six restaurants in it too and a coffee shop and a couple little boutiques and things, it's really cool.

utterance: Yeah, it looked like it was a very modern looking architectural style for the building too so And it looked like there was some pretty cool landscaping and some seating sections outside there that that I thought looked pretty interesting.

utterance: Yeah, even if you don't go to a lot of sporting events, I mean there's so many restaurants and like little boutiques and stores in there. There's a. There's a really cute little jewelry boutique that I like there that I've got some earrings and things from. It's just. It's just like a cute little place to go.

utterance: Well I definitely have to check that out. it's been on my to-do list for a while so you just you just made me want to go a little bit even more. Jill, I am. I'm going to send all this stuff through to see if we can you pre-approval on this loan, OK? This may take just a few moments, OK? Can you bear with me for just a few moments while we get that processed. All right? OK Jill. So, I got the application. It looks like it has been pre-approved for your asking price and it actually approved you at one ninety-one hundred ninety-two thousand at an interest rate of twelve point four per cent. So what I'm gonna do right now is I'm gonna email you a link to our loan portal and with that with that email you're gonna get a list of documents that I'm gonna need for you to provide. Once you have access to that email, you can upload everything that is required from document wise in order to get this loan processed. so once you get everything loaded, then a loan agent will reach out to you to assist you with the rest of the loan process and to to see if they can get you that one hundred percent approval. I do want to let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be verified. Do you have any questions about any of that information?

utterance: I don't think so. So they'll email me and I'll get that information via email you said, is that right?

utterance: Yup, that's right. So they'll email you. You'll get that information via via email and you'll just have to go to the portal and and have everything processed through there, OK?

utterance: OK, thank you. I appreciate it.

utterance: No problem at all. was there anything else I could do to help you today?

utterance: No. I appreciate it. That's everything.

utterance: All right Jill. Well thank you for choosing Intellibank. You should get that email here shortly, OK?


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

utterance: Hi. Yes. I need to schedule an appointment with one of your tax specialists. I recently lost my account because we moved out of the country.

utterance: Oh no. Alright. Well, I definitely be happy to assist you with that. And who am I speaking with today?

utterance: My name is Nicole Gonzalez. And my phone number is four zero seven eight eight eight two seven eight six.

utterance: Thank you. I appreciate that. just one moment till I bring up my system here and I'll be happy to assist you with that.

utterance: So how are you liking all this weather?

utterance: I am loving it. I'm glad the heats gone. The cooler weather's in. It feels more like fall. It makes the holidays makes me look forward to the holidays and having some hot chocolate. What about you, you like it?

utterance: Oh, I'm loving it. I'm in my element. I love the cool, when it's not too hot not too cold.

utterance: Oh, me too. We're on the same page there. Alright and what day are you looking to meet with one of our tax specialists?

utterance: anytime this week works for me.

utterance: Okay. Alright. So today is the tenth the eleventh we are closed for veterans day. so the next appointment I have is on the twelfth and then I also have some on the fifteenth, on Monday as well. which which day do you prefer?

utterance: the twelfth would work great for me.

utterance: OK. Alright. let me put that in there. And do you prefer a morning or an afternoon appointment?

utterance: mornings are always better for.

utterance: OK. Mornings are better. All right. let me see.

utterance: For me.

utterance: And if I could I'd prefer to see to have an in person meeting in.

utterance: An in person meeting?

utterance: Ok. Alright. So morning and in person, is that correct?

utterance: Yes, please.

utterance: OK.

utterance: Alright. So that was my next question about in the in person cuz we also have video calls doing via Zoom. and then we also just have just regular phone calls as well with our tax specialist as well but you said in person and in the morning works best for you. OK. So let me see what I have available here so since oh I have nine thirty on the twelfth, ten a.m. on the twelfth and also eleven a.m. on the twelfth. Which one works better for you?

utterance: The nine thirty would be perfect.

utterance: OK. Alright, and since you're gonna do in person, I just need to find the closest location to you. so what ZIP code would you like for me to search under?

utterance: Three two seven zero nine.

utterance: Ok. Alright, let me put that in here and see what comes up. OK. So I have a location at fourteen sixty-seven Aloma Avenue in Winter Park, Florida is that OK for you?

utterance: That is perfect.

utterance: OK. Great. Alright. So let me put that in. Nicole Gonzalez for November twelfth at our fourteen sixty-seven Aloma Avenue nine thirty a.m. with one of our tax specialists. Everything sound good?

utterance: Sounds great.

utterance: Great. Just to let you know our tax specialists are able to do quarterly and annual federal tax returns and also international tax compliance. our tax specialists can also assist in preparing quarterly and annual tax provisions and performing tax accounting duties. So we should be able to assist you with any of your business tax needs. OK?

utterance: Sounds amazing.

utterance: Alright and just for future reference you can manage your account online by going to Intellibank dot com or by downloading the app through either the Google Playstore or Apple. We're available on both. if you haven't already created an account, you can create a username and password. We'll ask you a few personal and banking information just for verification purposes to open the account online and You'll be able to. Actually you can go in there and you can schedule appointments with our different specialists that we have. Our tax specialist our accountant specialists. Different specialists like that and they'll also send you an email confirmation once that's complete. OK?

utterance: Alright.

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

utterance: I think that was everything. Thank you so much.

utterance: You're very welcome and thank you for calling Intellibank. You enjoy the rest of your day and this beautiful weather.

utterance: You too. Thank you.

utterance: Thank you. Bye bye.


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

utterance: Hi Agatha. My name is Reggie, and I'm calling because I need to cancel a check.

utterance: Certainly Reggie, I would be glad to help you with canceling a check this evening. May I just get a little information for you so I can pull up your account?

utterance: Of course my birthday is.

utterance: well one moment let me just get your name first. I'm sorry.

utterance: It's Reggie. R E G G I E.

utterance: OK.

utterance: Last name Oubre. O U B R E.

utterance: OK. Good. Thank you very much, and may I also have your date of birth.

utterance: Yes, it's April nineteenth, ninety eighty-eight.

utterance: Ok. One moment. Sorry, my screen is freezing, just one moment.

utterance: No worries, my toes are too.

utterance: Oh, it's cold where you are.

utterance: Yes.

utterance: All right, so I did get that date of birth in and lastly just need your four digit pin.

utterance: yes can you try this one. Three seven two six.

utterance: Three seven two six.

utterance: Yes.

utterance: no, that does not seem to be correct.

utterance: OK. can you give me one second to go through my passwords and get the. Get the correct one?

utterance: Sure.

utterance: One second. so how's your night looking?

utterance: Pretty good, pretty good. Been here for several hours and be here for about two more hours and then I get to go home and enjoy my family.

utterance: Oh, nice, nice.

utterance: How about you Reggie?

utterance: pretty uneventful. Pretty uneventful. I literally just woke up from a nap and realized that the person I wrote a check to, I actually added a zero that wasn't supposed to be there. Which is why I need to cancel the check.

utterance: Oh .

utterance: OK.

utterance: This person didn't even have the decency to call me and let me know.

utterance: Did they try to cash the check?

utterance: No, I don't think they did. .

utterance: OK.

utterance: Well I'll be able to see that when pull up your information.

utterance: Yeah.

utterance: But I'm pretty sure they haven't. I don't even know. I'm not even sure. Maybe they haven't even seen it. Because I mailed it so. But I wanna check. I wanna cancel it before.

utterance: Of course.

utterance: Yeah.

utterance: Smart thinking.

utterance: OK. So I found that pin number.

utterance: OK.

utterance: It's two one seven two.

utterance: Two one seven two.

utterance: Yes.

utterance: Yep. OK. All right, so I pulled up your account. I see that you have your business, business account with us. Business total checking. And let me go ahead and get the check number that we're going to be putting a stop payment on.

utterance: OK. It's eight one two. One one seven.

utterance: OK. Eight one two one one seven, and what is the amount on that check?

utterance: Should be one one thousand four hundred and twenty-seven dollars. And eighty-seven cents.

utterance: OK. All right, one moment Reggie. I'm just gonna look to see if that has gone through and just checking. No, it There's been no attempt to cash this check so.

utterance: Excellent.

utterance: Good timing. and the reason being is incorrect amount.

utterance: Yes.

utterance: OK. All right Reggie, let me just go ahead and put this through. I'm just gonna verify the information, then I'll go ahead and process this stop payment for you. the check number is eight one two one one seven. In the amount of one thousand, four hundred twenty-seven dollars and ninety-seven cents due to the incorrect amount.

utterance: yes. But, actually it's not. Instead of seven. Twenty-seven dollars, it's twenty dollars.

utterance: One four two zero?

utterance: Yes.

utterance: My apologies, all right.

utterance: That's where I made

utterance: The mistake. I added that extra zero on accident.

utterance: OK. Got it. One four two seven point eight seven.

utterance: Yes.

utterance: Yes.

utterance: All right. All right one moment while I go ahead and process your request.

utterance: OK.

utterance: All right, just. You might hear a silence for a moment.

utterance: That's funny, cuz if it's silent how can you hear it?

utterance: All right. So this has been processed. You will get a confirmation sent to the email address we have on file. Would you like to write down the confirmation number while I have you on the phone?

utterance: no. I just. My phone just vibrated, I'm pretty sure that's the email.

utterance: OK. while I have you on the phone is there any other information I can provide for you tonight?

utterance: no I think that's everything.

utterance: OK. Well thank you so much for being a valued customer with us Reggie and thank you for calling Intellibank.

utterance: Thank you so much. You have yourself a great night.

utterance: Thank you. Have a great night.


utterance: Thank you for calling Intellibank. This is Joe, how can I help you this evening?

utterance: yes. I've got a Intell- secure loan and I need to get a copy of my loan statement.

utterance: OK and is that your Intellibank secure loan?

utterance: That's correct.

utterance: OK, I can certainly get that statement for you. Can I have your name please?

utterance: Dan Thomas. T H O M A S and my date of birth is May twelfth nineteen sixty.

utterance: All right, thank you very much for that information Mr. Thomas and can I have your security PIN number?

utterance: One zero six two.

utterance: Great. And what is the account number for the loan that you are needing the statement for?

utterance: hang on a second let me look at that.

utterance: Not a problem. Just let me know when you're ready.

utterance: How you been doing today?

utterance: Oh not to bad. it's been a pretty easy day actually. How's your day been?

utterance: Oh not bad. Not bad at all.

utterance: Well that's absolutely wonderful to hear.

utterance: OK, I've got that account number.

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

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

utterance: OK let me just read that back to you. That's seven three zero six nine five six eight two nine. Did I get that correct?

utterance: Yes, that's correct.

utterance: Great.

utterance: And how would you like this delivered today? By mail, or email, or both?

utterance: let's do both.

utterance: All right, absolutely and let me go ahead and get the emails taken care of. What email addresses do you need this sent to?

utterance: Thomas Customs at Gmail dot com.

utterance: All right, thank you and are there any other email addresses you would like that delivered to?

utterance: actually Crystal underscore Thomas Customs at Gmail dot com.

utterance: OK and that second one is Krystal with a K?

utterance: A C.

utterance: OK that's C R Y S T A L?

utterance: Yes.

utterance: OK thank you, and underscore Thomas Customs at Gmail dot com, correct?

utterance: That's correct.

utterance: Great. All right, and are there other email addresses you like that delivered to?

utterance: no.

utterance: OK.

utterance: And then for the mailed ones, where would you like those delivered to?

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

utterance: All right. That's seventy-six Sunbeam Drive, Canyon Country, California nine one three seven eight?

utterance: Nine one three eight seven.

utterance: Oh, I'm sorry, I got those backwards, nine one three eight seven.

utterance: That's correct.

utterance: All right, and are there any other addresses you need that mailed to?

utterance: no.

utterance: OK I will get those delivered and you should receive the email copies here within about thirty minutes. And the mailed copies should arrive within three to five business days.

utterance: OK?

utterance: That sound great. is there an easier way for me to be able to get my statements?

utterance: Absolutely Sir. Do you have online banking set up with us?

utterance: I do not.

utterance: OK well I do encourage you to look into that or I can give you some more information about it. with online banking you would be able to view and download your statements for any of your Intellibank accounts at your own convenience.

utterance: OK that sounds great. Is that something you can set me up with today?

utterance: I absolutely can set you up for that, Mr. Thomas, let me just switch my screens here.

utterance: All right, and the email address that we have on file for you Thomas Customs at Gmail dot com, is that the email address you would like associated with your online account?

utterance: Yes please.

utterance: All right, perfect. And then I am going to get a user name and a randomly generated temporary password for you if you would like to write these down.

utterance: OK, I'm ready.

utterance: All right, so your user name is going to be D Thomas zero zero one that's D T H O M A S and the numbers zero zero one.

utterance: OK.

utterance: All right and your temporary password will be capital D, capital N nine zero capital Q, four.

utterance: OK, I've got that written down.

utterance: All right, great. So all you need to do now is go to Intellibank dot com and in the top right hand corner there will be a link to log in.

utterance: If you click that button you can enter that information that I've given you and it will then prompt you to create a unique password for your account. And then guide you through the rest of the set up process as well as give you a tour to familiarize yourself with the online banking portal.

utterance: All right, that sounds fantastic.

utterance: Yes Sir, it does make thing very convenient.

utterance: All right.

utterance: All right, is there anything else I can assist you with, Mr. Thomas?

utterance: I don't think so.

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

utterance: All right, thank you.

utterance: Thank you. Goodbye.

utterance: Bye bye.


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

utterance: yes I need to transfer some funds between my Business Total Checking Account and my Business Preferred Checking Account.

utterance: All right. I can do that. Can I have your name please?

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

utterance: And your date of birth?

utterance: May twelfth, nineteen sixty.

utterance: And your authenticating pin number?

utterance: One, zero, six, two.

utterance: Thank you and now that I've got your information verified and your account pulled up, what is the account number for the checking account that you'd like to withdrawal from?

utterance: I don't know. I've got two here. I don't know which one is which. I want to withdraw from my Business Total Checking Account and it. I've got an account number of two, zero, nine, zero two one eight four two zero. And I've got an account number three, one, one, two, one, five, seven, five, one, four. I don't know which one is which.

utterance: All right. Give me just one moment. My find that out. It looks like the account number ending in six eight two nine is your Business Total Checking. That was the one you wanted to withdrawal from?

utterance: Yes.

utterance: OK and what is the account number for the account you would like to deposit into?

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

utterance: OK and how much would you like to transfer between those accounts today?

utterance: Sixty-five hundred.

utterance: All right. So we're going to transfer sixty-five hundred dollars and zero cents from your account ending in six, eight, two, nine to the account ending in zero, six, five, zero. Is that correct?

utterance: That's correct.

utterance: All right. Thank you and I've gone ahead and processed that. You should see that transfer in effect within twenty-four hours.

utterance: All right. Very good. I also need to apply for a secured loan, a secured business loan.

utterance: All right Sir. I can certainly assist you with that. Did you have any questions about the loan first or would you just like to apply for it?

utterance: I just want to apply for it.

utterance: All right Sir. Let me go ahead and pull up that form and I'll just need to get some information from you. All right. Can I have you confirm your first and last name for me again?

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

utterance: Thank you and you're home address please?

utterance: It is thirty-six Edgemont Lane. Canyon Country, California, nine, one, three, eight, seven.

utterance: OK and that's thirty-six Edgemont Lane, Canyon Country, California, nine one three eight seven. Is that correct?

utterance: That's correct.

utterance: All right Sir and then your Social Security Number?

utterance: Eight six one one, seven six, four, six, zero, one.

utterance: All right. Thank you and then your Driver's License number please?

utterance: O M five, three, D B H A I Q nine.

utterance: All right and let me read that back to make sure I got that correct. That's O M five, three, D V H A I Q nine. Correct?

utterance: That is correct.

utterance: Thank you Sir and what state is that Driver's License for?

utterance: California.

utterance: Thank you and then I will need your authentication pin number.

utterance: One, zero, six, two.

utterance: Thank you and can I have your current email address please?

utterance: It will be Thomas Customs at Gmail dot com.

utterance: All right that's Thomas Customs at Gmail dot com. Correct?

utterance: That's correct.

utterance: Thank you and what is the name of the business that you were applying for this loan for?

utterance: Thomas Custom Cabinets.

utterance: Thank you. And are you the sole owner of this business?

utterance: Yes I am.

utterance: Thank you very much and can you tell me when the business was first established?

utterance: Oh seven, oh six, nineteen eighty-one.

utterance: Thank you and Terry can you provide me with the total dollar amount which represents your gross annual sales of that business?

utterance: Two hundred and fifty thousand.

utterance: Thank you Sir and then can I have the street address for your business?

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

utterance: Thank you, sir.

utterance: And which address would you like your mail sent? your home address or your business address?

utterance: My business address.

utterance: OK and that is seventy-six Sunbeam Drive Canyon Country, California, nine, one, three, eight, seven?

utterance: That's correct.

utterance: Thank you. And then what type of collateral would you prefer to use for this loan? You can use property, equipment, savings, inventory, invoices, investments, valuables, personal guarantees or a blanket lean?

utterance: Equipment.

utterance: OK Sir. I've got that noted. And how much of a loan were you looking to take out?

utterance: Fifty thousand.

utterance: Fifty thousand dollars and zero cents. OK and may I know the reason for your loan request?

utterance: I need to buy more equipment.

utterance: All right. Thank you very much and what type of term were you looking for on this loan?

utterance: Forty-eight months.

utterance: Forty-eight month loan. OK. All right. I have got that. All entered and ready and if you would then just please end the supporting business documentation and we will get back to you with the results of your application.

utterance: That sounds wonderful.

utterance: All right Sir. Is there anything else that I can assist you with?

utterance: I can't think of anything. Is your day going good so far?

utterance: Yes Sir my day has been going pretty good.

utterance: Well that's great.

utterance: All right. If there's nothing else I can help you with then you have a fantastic afternoon.

utterance: All right you too. Thank you.

utterance: Thank you.