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

utterance: Hello my name is Charlene and I'm a business owner so that means I get a lot of requests and make a and make a lot of transfers and at the of the month I get to get my statements delivered to me through mail which I see is getting quite tiresome because it's too much for me so I'm wondering how can I maybe receive the statements online?

utterance: All right no problem Charlene. I can go ahead and help you out with that.

utterance: First I will gather some information from you so I can access your account and help you out with that. So first can I have your name and date of birth please?

utterance: OK.

utterance: Yes my name is Charlene Peterson and my date of birth is on the nineteenth of December nineteen ninety.

utterance: All right and can you spell out your last name for me please?

utterance: OK that is P E T E R S O N.

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

utterance: OK my PIN number is three five four six.

utterance: All right and also your account number please?

utterance: let me get my let me take let me take it out give me a minute.

utterance: All right no problem.

utterance: OK my account number is three five four six six eight seven nine two four.

utterance: All right so to confirm that is three five four six seven nine nine two four.

utterance: No it's not . It's three five four six six eight seven nine two four.

utterance: All right I see. Thank you so much for that. so currently I do see your statement delivery is through the mail and Our options are for a statement delivery are mail, fax and email. So which one would you like to update to?

utterance: It is.

utterance: I'll prefer email because at least I can. It can store up the documents using my flash drive. And it will also not take too much of me looking around or finding somewhere to store the statement.

utterance: All right.

utterance: I completely understand if you I can go ahead and change it to email. This will take a couple seconds.

utterance: OK.

utterance: All right and can I confirm your email address once again?

utterance: OK that's Shapet, that is S H A P E T E at Yahoo dot com.

utterance: All right so I do see that is the correct one and the change has been made so you will now receive your statements all through email.

utterance: Now since I've changed my delivery to email and it's in between the month how long will it take? Will it will it be this month or will it take effect next month?

utterance: So it will take effect this month, so at the end of the month you will receive an email regarding your statements. It will be all the same information as you would normally receive through paper but it will be through email form and to access it in the email you will just click the link in the email and it'll take you to your accounts and show you your statement within your account.

utterance: So from this month I can. I'll stop receiving the papers completely through the mail.

utterance: Yes.

utterance: So this month you not be receiving any paper statements. it will only be through email.

utterance: that's good that's nice knowing that.

utterance: Yes absolutely. Would like any other help today?

utterance: No thank you. That's all for today.

utterance: All right no problem. Have a great day.

utterance: You too.


speaker_role: Agent

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

speaker_role: Customer

utterance: hello. My name is Charlene and I'm having an issue with my email address because I have a new one but most of my mail keeps going to the old email address and I wondering if you could help me with that.

utterance: Yes. So you would like to update your email address?

utterance: if it's if it's possible that is.

utterance: Yes, absolutely. We can go ahead and do that. first I will gather some pieces of information from you. so first can I have your full name and date of birth please.

utterance: OK, my name is Charlene Peterson. And my date of birth is on the twenty-ninth of December nineteen ninety.

utterance: All right. Thank you. And can you spell your last name for me please.

utterance: OK. That will be P E T E R S O N.

utterance: All right. Thank you for that. And can I get your pin number please.

utterance: Oh, I'm not sure because I recently changed so can I give you both of the numbers?

utterance: Sure. Absolutely.

utterance: OK. The first one is eight six seven five. And the second one is three five four six.

utterance: All right. Just checking both of those currently. And I do see that it is the second one. Three five four six is your pin number.

utterance: Oh, OK. That's OK?

utterance: Yes. And can I get your account number also?

utterance: Oh give me a minute to check.

utterance: Sure.

utterance: OK. My account number is three five oh six six eight seven nine two four.

utterance: All right. And just to confirm that is three five four six six eight seven nine two four?

utterance: Yes, that is correct.

utterance: All right. Thank you for that. So just to confirm your old email address, could I have that please?

utterance: OK. My old email address is Shapete. That is S H A P E T E at Yahoo dot com.

utterance: All right, thank you for that. And whenever you're ready you can give me your new email address.

utterance: OK. My new address is Petess. That is P E T E S S at Gmail dot com.

utterance: All right. And to confirm that is P E T E S S at Gmail dot com?

utterance: Yes, that is correct.

utterance: All right. Thank you. All right. And I can confirm your email address has been updated so that will be the email from now on for your business.

utterance: That's all. Thank you. And I was also wondering about the Is it the Business Play or Business Plan Card? Eh? I'm not really sure.

utterance: Oh, so we offer at Intellibank our Business Platinum Card. Would you like to know more about it?

utterance: Yes, I'd love to know more about it.

utterance: Absolutely. So our Business Platinum Card is a credit card. It's one of our highest rewards credit cards where we offer low interest fees, high rewards, and a minimum balance of two thousand five hundred is required for that credit card. However, with that, high rewards. So you get about five per cent cash back on each purchase. And our interest fees are very low. About one per cent.

utterance: OK. And where do I get one?

utterance: so you could apply online for one. and online you could see all our other credit cards as well that we offer if you're interested in that. Or you can always come in person to a nearby branch.

utterance: OK. That's good to know.

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

utterance: I don't really think so. I I think that's all for today.

utterance: All right. No problem. All right. Well take care. Have a great day.

utterance: Thank you. And thank you for the good service.

utterance: All right. Thank you.


utterance: Hey good morning this is Tom at Intellibank. How can I help you today?

utterance: Yeah hey Tom. So I wanted to move my money. But, I wanna move it in the right direction and sometimes I move my money and I don't know where I've moved it. And then I start looking at my finances and I'm like what exactly is going on here? It's just kind of a scattered picture and I'm like how do I fix this mess? How do I organize it more?

utterance: And I thought if I called Intellibank that maybe they could tell me to go somewhere else for that. That's not something they do. Or maybe they can kind of put the pieces together for me? I I don't know.

utterance: I just keep thinking and thinking and what to do about this money in this mess so.

utterance: Yeah you know we have a a really amazing plan here where you can speak to a an investment specialist.

utterance: they handle wealth management. they can go over a lot of options, kind of break it down for you so you understand how you know any different accounts you may have, how they all work and streamline everything for you. let's start off by getting your name please.

utterance: OK my name is Tony Rabone.

utterance: Hi Tony and can I get your account number?

utterance: Yeah, seven eight two one nine three.

utterance: OK and also your PIN?

utterance: And can you answer the security question? You have a second verification set up on your account. so your PIN and then the name of your first pet.

utterance: OK PIN sixteen forty-five. First pet was oh first pet. Yeah, yeah, yeah, yeah. That's Toby.

utterance: Toby. All right. OK I'm on here in the system all right, we've got a few options first can I get a date and time that'll work for you?

utterance: I feel like that's the problem with the world. There's just too many options you know?

utterance: That's, that's kind of how I feel every time I, ever since I was a kind and I would go the Baskin Robbins thirty-one flavors, I'm like I'd tell my mom, can we go to a place that just has like five or six flavors? Cuz I'd just be there for hours sometimes, staring at the flavors going which one should I pick? Cuz, I'm just a kid man. They can't be laying all this pressure on me, make a decision like that.

utterance: I think, I think that influenced my personality later in life. Like that there's just too much at the buffet and I just want to go to a place that just has three things on the menu and you know what I mean? There's just just too many options. anyway, sorry what?

utterance: I get it, somewhere like there are like five things you can get there.

utterance: Yeah man, that's that's not a bad idea.

utterance: What were what were we doing?

utterance: Oh so I mentioned setting up an appointment for a investment specialist.

utterance: What day and time would work for you?

utterance: Yeah let's do next Monday. Next Monday.

utterance: OK next Monday, that's the tenth. we have a, would you like a morning or afternoon appointment?

utterance: I'll do afternoon.

utterance: OK. let's see, we've got three p.m., four p.m. and five thirty.

utterance: I'll go four.

utterance: All right, four p.m.. So we have a couple of different mediums to, as an options. you can do it over the phone, phone call. You can do on online chat. Do you do online banking?

utterance: Do you have like the app? Or do you sign on from your computer?

utterance: I'll just take a phone call.

utterance: OK. that's great. So we should verify your phone number. Three two three, eight four five, nine nine five five?

utterance: That's the one.

utterance: OK, great. So you're gonna get a text reminder earlier in the day and about an hour before your appointment and right, you're all set up and they'll go over everything like I mentioned. sounds like they can help you with it with a lot of planning and just really organizing everything. Are there any other questions you have for me?

utterance: No, no. That, that's it. I got that down and hopefully hopefully they won't inundate me with options cuz just wanted somebody to guide me with you know, I'm a, I'm a paint by numbers guy, like tell me what to do.

utterance: OK. They're really good at that. They'll assess you know where you're at, what, what information you have and just really break it down for you. Can I help you with anything else?

utterance: That's it, thank you.

utterance: You're welcome. Take care.

utterance: Bye.

utterance: Bye.

utterance: Bye.


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

utterance: Hi, Stephanie. This is Don Francisco.

utterance: Hi, Don. Nice to meet you. And where can we get started today?

utterance: I'm looking to do a a a checking account.

utterance: OK, great. We can help you out with that. And Don will be the first name. Is Francisco your last?

utterance: that's correct, yeah.

utterance: OK, great. All right. And can you spell Francisco for me, please?

utterance: yes. It's F R A N C I S C O.

utterance: Mm. OK, great. Yep, I spelled it wrong. And what is your address?

utterance: my address is eight eight zero one Washington Boulevard. That's Culver City, California, nine zero five two.

utterance: OK, great. And do you have your social security number on hand?

utterance: I do. You know what? I I should get my wallet. Can you hold on one second?

utterance: Oh, yeah.

utterance: Take your time.

utterance: OK, I'm back. what did you ask for?

utterance: That would be your social.

utterance: Oh, yeah. Twenty-seven two two five zero two one.

utterance: OK, great. And then do you have your driver's license number?

utterance: I do. It's A one nine eight two zero one.

utterance: Mhm. OK. All right, and what is your customer PIN from your personal account?

utterance: it's three three five three.

utterance: Mhm. OK. And then could I have your email address that we have on file?

utterance: Yes. It's Polaroid at Gmail dot com.

utterance: Polaroid at Gmail. Great. And what is the name of your business?

utterance: it's Polaroid Shop.

utterance: Polaroid Shop.

utterance: I just take Polaroids of people.

utterance: Oh, great. Just strangers?

utterance: Yes.

utterance: Perfect. Kinda creepy, but I like it. And then are you the sole owner?

utterance: Mhm.

utterance: I sure am, yeah.

utterance: Great. All right. And when did you establish this creepy endeavor?

utterance: twenty nineteen.

utterance: Twenty nineteen, OK. And then what is your gross sales amount?

utterance: Well, not good.

utterance: Mhm. I can imagine.

utterance: Yeah, just a. Just just about like three grand cover it.

utterance: Three

utterance: Grand. And there's a market for what you're doing?

utterance: Well, it's it's slow, and.

utterance: Mhm.

utterance: I get punched a lot. But you know.

utterance: Right.

utterance: Well.

utterance: People are learning that they want physical pictures of themselves because they lose their phone or something.

utterance: Mm. Yeah, OK. Well, hopefully, some worker's comp there. And could I have your tax ID number?

utterance: yes. Seven one four one.

utterance: Great. And what is the address of your business?

utterance: it's seven one four one Melrose Avenue.

utterance: Melrose, OK. It's always Melrose.

utterance: Mhm.

utterance: And then that will be your mailing address?

utterance: that is correct.

utterance: OK. And this is going to be a business checking. Is that correct?

utterance: Well, I guess so, yeah. yeah. It'll be yes.

utterance: Mhm.

utterance: OK. and then what would you like your initial balance to be in your account?

utterance: we're gonna start with about five grand.

utterance: Five grand, all right. And could I have your bank account number?

utterance: yes. It is six two two zero nine one two nine.

utterance: Mhm. And how about your routing number?

utterance: that would be two zero two two.

utterance: Great. OK, well, we do have a few different account types for you. Like I mentioned, you'll be opening your business checking. would you like to link a business savings to your account?

utterance: sure. Yeah, why not?

utterance: OK, great. Sounds good. Let's go ahead and link those. And then you should be aware that the interest rate for your business account is going to be a bit high. you're looking at the thirteen percent interest rate.

utterance: OK.

utterance: Mhm. But you don't have a monthly fee. And do you have anymore questions for me about your account?

utterance: No. I think that should just about do it.

utterance: OK, sounds good. Well, if you have any other questions, don't hesitate to reach out. And look out for that confirmation email coming your way.

utterance: OK, you were very helpful. Thank you so much.

utterance: Not a

utterance: Problem. Take care.

utterance: You too. Goodbye.


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

utterance: Jerry, . I was going call yesterday man, but I got tired from the meeting it went on a lil, it went on a lil longer than I was planning. But anyway. I wanna get some quote on some stock.

utterance: Certainly, I'll be glad to assist you with that. And first of all, I'll need to pull up your account so I ask you a few questions. what is your first and last name?

utterance: Benjamin Freeman.

utterance: And, Mr. Freeman. What is your business name associated with this account?

utterance: Ray's Construction Company.

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

utterance: Yeah.

utterance: That's correct.

utterance: All right, and I'm gonna ask a few questions for account verification. And, this is really for you and your businesses protection. And of course my first question, Mr. Freeman, is what is your date of birth?

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

utterance: well thank you for that. I appreciate that information. And, what is your business address?

utterance: Well my business address is three six eight eight Lehman's Court, Smyrna Georgia. Three zero zero eight zero.

utterance: All right, thank you. And, Mr. Freeman, what is your account number?

utterance: OK. Will you hold on just a second.

utterance: Sure.

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

utterance: OK. And, Mr. Freeman, what is the PIN number for your account?

utterance: Oh, that be, one seven nine five.

utterance: All right, thank you for that.

utterance: Yeah, well I'll tell ya, it's I kinda enjoying the changes of of the seasons, for the weather, it's really working out for them, cuz it's getting be flying around when I'm outside.

utterance: All right. Well, yes, it's the changing of the season is certainly a beautiful time of year with the fall, when you see the colors from the tree leaves on the ground. To the mild weather it's a short period of time, but it's really a a a very beautiful time out. Particularly in nature.

utterance: It sure is, sure is.

utterance: Now let's see. Your, you mentioned that you wanted to go ahead and get support on stock here Mr. Freeman?

utterance: Yes, sir.

utterance: All right. I was able to verify the account. Let me ask. What is the name of the company that you wanted to get a quote for stock?

utterance: Apple.

utterance: OK. And, do you know what their symbol is?

utterance: A A P L.

utterance: All right. Let me see if I can get this pulled up. OK. And, all right, Mr. Freeman. Of, what I see here, for these Apple stock. The price of a share of Apple stock is a hundred and forty-seven dollars and ninety-nine cents.

utterance: Oh, OK. Right.

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

utterance: Yeah. I get a balance on my checking account. If possible.

utterance: Sure, I'll be glad to assist you with that. And, what do I see here? Let me ask. what is the account number for your checking account?

utterance: That's then nine eight four six five nine one nine.

utterance: OK. And right. And the PIN number is the same?

utterance: Yes, sir.

utterance: OK. All right. Mr. Freeman, as I look at the account, I'm seeing here, as I pull it up, your account balance is fifteen thousand eight hundred and twenty-three dollars for your account.

utterance: Oh, that's good.

utterance: All right. And, Mr. Freeman is there anything else?

utterance: Excuse me, that'll be all.

utterance: Well thank you for giving us a call.

utterance: Thank you.

utterance: Have a good day.

utterance: Sure.


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

utterance: Hi Karen. All right. I want to do a few things actually. First of all I got this weird exchange rate thing.

utterance: OK.

utterance: Not an exchange rate but for some reason it was like a banking rate or a flat rate on fixed rate on something.

utterance: OK.

utterance: maybe it's for the secured loan. I don't know what you guys are offering.

utterance: anyway, what I'd like to do is, number one I'd like to change my delivery method for statements.

utterance: OK.

utterance: And the other thing is you know I wanna apply for a secured loan I said I I I I I saw something in the In my. In my mail that came through the mail that had to do with, you know, what rates you guys offer and I just wanted to.

utterance: OK.

utterance: It wasn't clear about that.

utterance: OK, well this all pretty easy and I'll walk you through it and may I start by getting your name?

utterance: Hi yes, it's Danny.

utterance: And your last name Danny?

utterance: Laque.

utterance: OK. You wanna spell your last name for me?

utterance: L O Q U E.

utterance: Great. Wonderful. I'm pretty good at at guessing but I wasn't I didn't wanna misspell that one.

utterance: No that was good. Wait you actually spelled that correctly?

utterance: OK.

utterance: No, I was off by one letter. I did L A instead of L O.

utterance: Oh OK.

utterance: OK, so first and foremost you wanted to change your delivery method. Instead of.

utterance: I see here that you're getting things via paper statements.

utterance: Yeah. You'd like to go to email?

utterance: That's right.

utterance: OK, that's pretty simple. What is the email you'd like to use?

utterance: Yeah, it's D for D for do it yourself.

utterance: OK.

utterance: All right. So that's the actual email. D for do it yourself. At Gmail.

utterance: OK.

utterance: At Gmail dot com. OK and that's the number four correct?

utterance: D for is actually D F O R.

utterance: Oh got it. OK.

utterance: For.

utterance: Do it yourself.

utterance: Perfect! OK so I did update that. Sent you an email confirmation that that change has been made so now all of your bills will come via email instead of the mail. And you wanted to also do a secured loan application?

utterance: OK great.

utterance: Uh-huh.

utterance: Yes, let's get that started.

utterance: OK terrific. All right, so the. We have a term loan, we have a secured loan and a real estate loan.

utterance: let's do a secured loan.

utterance: OK great. All right, so let me just get your information. we'll be do it under the same name?

utterance: Uh-huh.

utterance: Danny Loque.

utterance: Got it. And then may please have your Social Security number please?

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

utterance: Great. And what is your home address please?

utterance: Yeah, home address is seven eight two Le Frank Street.

utterance: Great.

utterance: And you want the city and State too, I bet? Yeah sure. It's Brooklyn, New York. Nine two seven eight five.

utterance: Yes, please.

utterance: Great, thank you. And your driver's license please?

utterance: D L seven two seven six eight nine.

utterance: Wonderful. And then your four digit security PIN that you have on your other accounts?

utterance: Five three two eight.

utterance: Great. And I have your email address cuz I just verified that. the name of your business?

utterance: Danny for money.

utterance: Danny for money? OK. Incorporated. OK.

utterance: Incorporated.

utterance: Yeah.

utterance: Well that's not the actual name that I use for my company but that's the name that all of my business accounts and statements are under.

utterance: OK great. And that's the same name you wanna use for the loan?

utterance: Yes exactly.

utterance: OK.

utterance: Danny for money incorporated.

utterance: And when was your business established?

utterance: This is about three years ago.

utterance: OK so we'll say two thousand eighteen?

utterance: Yeah.

utterance: Yeah, two thousand eighteen. It's around I'd say about like May of two thousand eighteen.

utterance: OK terrific.

utterance: Yeah.

utterance: And your gross annual sales?

utterance: Gross annual sales about thirty-five thousand.

utterance: OK. And your tax ID number?

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

utterance: Mhm.

utterance: Terrific. your I'm sorry. I just my screen just. No I'm I apologize. My screen froze. There we go. your business address?

utterance: Hello?

utterance: wasn't that the business address I gave you already?

utterance: I'm so sorry.

utterance: I think.

utterance: I have. I think I gave it to you already.

utterance: You did. I apologize for that. Let me just unfreeze my screen.

utterance: It's.

utterance: It's Le Frank Street.

utterance: It was. It was in in Brooklyn, New York?

utterance: OK, so your business address and your home address are the same?

utterance: Did you ask me my Is that?

utterance: That was your home address I asked you for earlier.

utterance: Oh yeah.

utterance: Yeah, that is both actually. I run my business out of my home.

utterance: Great.

utterance: Perfect. OK, no problem. Let me just copy and paste that. I'll go back there. OK done. And OK, that's everything that I need for the loan. I did send you a I sent you a link to the application so you have a copy of it yourself. And that's all you need to do. You'll find out Yeah you'll you'll get the You'll get a reply within three to seven business days.

utterance: Great.

utterance: OK, great.

utterance: Wonderful.

utterance: Really?

utterance: OK

utterance: Great.

utterance: Did you need anything else while I have you on the phone?

utterance: No that's it. Thank you so much.

utterance: Oh, thank you so much for your patience today Danny and you have a great day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Hello how are you doing today ma'am?

utterance: Very well, thank you.

utterance: yeah I'm calling on what I need to with On my business account, not my personal account but I need to change the way I have my bank statement delivered. It's been going it's been going mail on the paper but I'd like to get it switched over to email or sent you know some way you know electronically cuz there have been people stealing our mail and I don't wanna I don't wanna them to get my bank statements like that. And. And also is there a fee to switch that over?

utterance: Yes sir I can help you with all of those things and actually there is no fee to switch that over again. No problem. I just have to verify some information from you.

utterance: OK.

utterance: OK, OK.

utterance: OK could you please give me your full name and your birthday?

utterance: Full name is Larry Fish. My birthday is five seven seventy-three.

utterance: OK sir, thank you for that. And could you tell me how you're receiving your your statements now?

utterance: Right now they're coming to my regular mail, on paper.

utterance: So they are coming through mail.

utterance: OK.

utterance: And there's been people stealing mail, and I just. I'm trying to it just seems like a security issue for me so I want to have that stopped and sent to like my email or my. Or have it sent to my mobile app or something.

utterance: OK sir,

utterance: Maybe

utterance: The online banking can have it switched It'll be online my online banking right, I can do that?

utterance: Sure, sure. these are the ways that we do send the statements. We can email them, we can fax, or we can do mail delivery. So would you maybe rather have them emailed?

utterance: Yeah that'd be great.

utterance: OK sir, we can totally do that. OK and could you give me your address please?

utterance: My address?

utterance: Yes.

utterance: Is eight hundred Palm Tree Lane Charlestone, West Virginia. Two six one oh one.

utterance: OK, thank you sir for that. And could you give me the PIN number on this account?

utterance: The PIN number? Oh I have it hold one just a second.

utterance: Sure.

utterance: It's in these papers here. I think it's. I think it's this one. Eight three three five one two. Is that right?

utterance: OK thank you sir for that, yes. Yes, that was it.

utterance: Is that it?

utterance: OK.

utterance: OK .

utterance: And I'm gonna go ahead and and take care of this for you real quick. what email address did you want to use?

utterance: Larry dot Fish at A O L dot com.

utterance: OK and could you give me a PIN number for that one also that you'd like to use?

utterance: Sure.

utterance: Five six eight three nine two.

utterance: OK thank you sir. Give me just one second while I set this up. OK sir, yes I have that all finished for you and you will now receive your statements by email.

utterance: Oh that's great cuz I'd hate for someone to be stealing my mail and getting all my information through that and there's been a lot going on around here, a lot of theft and stuff like that so.

utterance: Yes, sir.

utterance: Yes

utterance: Sir that's a great preventative measure. is there anything else I can help you with today?

utterance: I guess well tell me about Tell me about where my online banking's if. Do you guys have those ITMs?

utterance: Yes sir we do. We do have an ITM service that is new to our banking and it's very interesting because if you happen to get locked out of your account or you're unable to provide any account information if you've lost it. Say you've lost your debit card you can go through our ITM service. there's an agent there twenty-four hours a day that can help you locate your information and and help you access your funds twenty-four hours a day. So you wouldn't even have to worry too much about not having proper information for the bank.

utterance: Are they all that way?

utterance: The ITMs for our company, yes.

utterance: Oh great OK so~

utterance: Yes.

utterance: Some of them. Some of them don't have them at certain banks you know, They have one here, they're just not everywhere. So This bank has all of them everywhere?

utterance: Yes, yes. We. We even have one that's three miles from you it looks like, on Hickory Road.

utterance: Aww OK, yeah.

utterance: All right.

utterance: And it's there inside the Walmart.

utterance: Yeah they all seem to. Walmart has all your branches in there which just makes it kinda convenient. And now can I do the cash deposit like Sometimes I have a lot of cash on me and I need to You know, get rid of it real quick.

utterance: Yes sir.

utterance: Yes sir, yes sir you can totally do cash deposits through there and you can also do the checkless deposits through our mobile app. Are you familiar with our online banking?

utterance: Yeah, yeah. Yes I am. We just take a picture of the check and. OK. It'd be nice if you could take a picture of the cash and then you get paid still have your cash and paid twice. that's I was just being goofy.

utterance: Yes.

utterance: Yes sir.

utterance: Yes sir.

utterance: Yes sir, that would be. That would be incredible.

utterance: Take a picture of my money and send it to you and I still have it. I'm just joking.

utterance: Ye~

utterance: Yes sir that would be incredible. Is there anything else I can help you with today?

utterance: I guess that's all ma'am and I thank you so much. You guys have been great to me. And I'll be in touch with you in the near future.

utterance: Oh.

utterance: OK, thank you for being a valued customer for Intellibank, and thank you so much for calling.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes I called the other day and spoke to Sarah but I had to take another call and I wasn't able to you know finish talking with her, but I'm calling back because I need to update my email.

utterance: OK. Certainly, I'll be happy to assist you with that ma'am. And I'll just need to pull pull up your account and see if I can assist with that. if I could ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, if I could ask, what is the name of the business that you have on file with us?

utterance: Joan's Bed and Bath.

utterance: All right. And thank you for that. Now Ms. Richards I'm gonna ask you a few questions because here at Intellibank we do take your account security very seriously. and this is really for you and your businesses protection. is it all right if I ask you a few questions to verify your account?

utterance: Yes you sure can.

utterance: Thank you and Ms. Richards, if I could ask, what is your business address?

utterance: It's ten seventy-five Layman's Court, Smyrna, Georgia, three zero zero zero two.

utterance: OK that's ten seventy-five Layman's Court, Smyrna, Georgia, three zero zero zero two?

utterance: That is correct.

utterance: All right. Thank you. And Ms. Richards if I could ask for your date of birth?

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

utterance: All right, thank you for that. of course I appreciate that. I really just needed the date of birth but that's great information for us to have as well. And Ms. Richards, if I could ask for your account number?

utterance: It's let's see. Nine eight four six five nine one.

utterance: Thank you for that. And Ms. Richards, let me ask you finally here to question for your account verification. What is your PIN number on your account?

utterance: It's one zero one nine.

utterance: Thank you Ms. Richards for verifying your account.

utterance: OK, you welcome. You know I I'm getting ready for this Halloween party with my kids and you know I'm trying to to keep the numbers down. They got so many friends all of a sudden.

utterance: Oh I can hear I hear you on that. you know I'm sure when it comes to candy and cakes I think you probably might have the whole neighborhood over there.

utterance: Oh I agree. And that's the thing is that you know it's decided to do a little party so we wouldn't take them out and I clearly want you know not too many people but just to let them have some fun.

utterance: Well and it's smart because you do have to think about safety nowadays and you know I'm sure maybe back when you were growing up it was fine to just go door to door but now you're making a good point. It might be frankly just safer to you know do one where you're putting the party and it's a coordinated group of friends where they all share the candy and they all get their little candy bags together and they still have their fun but it's safe.

utterance: I feel better about doing it that way.

utterance: Very smart, very smart. That's something I might need to think of next time.

utterance: Yes.

utterance: thank you for that. I always learn something from my customers.

utterance: Good. That's a good thing.

utterance: Now Ms. Richards, yes. I was able to, well verify your account. I believe we do have your PIN number.

utterance: Yes, one zero one nine.

utterance: That's right. OK one zero one nine. I just was verifying that. with this being the case Ms. Richards, you mentioned you wanted to go ahead and update the email on your account because you attempted to call last time but were unable to get that done?

utterance: Yes.

utterance: OK. Let me pull up that on my system here. it's are you looking to change the email on your account or are you adding an email address?

utterance: I want to change it.

utterance: OK. You wish to change the email. And if I can just ask Ms. Richards, what is the email address that you want to change on your account? what is the new email address?

utterance: OK it's E dot Richards at Joan's B B dot com.

utterance: OK that's E dot Richards at Joan's B B dot com. Is that correct, Ms. Richards?

utterance: That's correct.

utterance: OK thank you for that. And Ms. Richards, I am looking to get this processed here for you. I tell you these computers nowadays are as fast when you don't want them to be and as slow when you don't want them to be.

utterance: I know that's right. I tell you I love them, you gotta have them, but that waiting and all of that just drives you crazy.

utterance: Indeed I, and I meant they're fast when you don't want them to be, when you accidentally hit a button that's the moment that it seems to automatically accept it.

utterance: Right and it could be something you wish it would not have done so quickly.

utterance: So quickly. And then when you do want something to happen quickly that's when it takes forty-five seconds worth to process. But all right anyway Ms. Richards, it appears that we were able to get this processed for you now, finally. The system did update it. And we've added the email address, changed it as you've requested. And with that being said Ms. Richards, is there anything else I can help you with?

utterance: No I think that's all for today.

utterance: Well Ms. Richards, we certainly do value your business and we appreciate you updating your contact information with us, and of course feel free to give us a call if there are any other questions.

utterance: I sure will.

utterance: Ms. Richards. You have a fantastic rest of the day.

utterance: And you too.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon and thank you for calling Intellibank my name is Clarise how may I help you today?

utterance: Hi I need to close my checking and my savings account please.

utterance: Oh you'd like to close your checking and your savings account. Alright I'm sorry to hear that I would be glad to help you. May I ask is there anything that I can do to help you resolve any issues?

utterance: No it's nothing about you guys, I'm closing my business.

utterance: Oh I'm very sorry to hear that hard times for a lot of people right now.

utterance: Yeah covid just really it's been a difficult year to say the least.

utterance: Yeah I I hear that from a lot of people. I I I understand I'm glad to help you with this today. What is your name please?

utterance: My name is Patricia Chavez.

utterance: Patricia could you spell your last name for me?

utterance: C H A V as in Victor E Z.

utterance: OK. Patricia is P A T R I C I A?

utterance: Uh-huh.

utterance: Alright one moment please. Excuse me.

utterance: Mhm.

utterance: Sorry about that. A little dryness here.

utterance: Mhm.

utterance: That's OK.

utterance: Patricia what is your date of birth?

utterance: two fifteen fifty-one.

utterance: OK. One moment.

utterance: And then your four digit PIN associated with all your accounts?

utterance: Eight seven two three.

utterance: All right. All right and you would like to close both your checking and your savings account?

utterance: Yes that's correct.

utterance: All right. I do see here that you have a checking and savings with us. You're also have an investment wealth management account.

utterance: Uh-huh.

utterance: Will we be transferring those funds into that account?

utterance: Yes that's fine.

utterance: OK. All right let me go ahead and access your information Can you please provide me your checking account number?

utterance: My checking account number is seven two three one five nine.

utterance: OK and the savings account?

utterance: savings account is four five nine nine nine two.

utterance: OK very good let me check the balances on both. and then I will confirm I will confirm the transfer. All right in your checking account from your business total checking the amount is eight thousand two hundred dollars and four cents.

utterance: Mhm.

utterance: Right.

utterance: And your savings account is five hundred twenty-nine dollars and sixty-two cents.

utterance: OK.

utterance: All right one moment please. and I'm pulling up your Intellibank wealth management account and that's allowing me to open it without confirming the number. Alright so, confirming we will be taking eight eight two hundred dollars and four cents from your checking account number seven two three one five nine and taking five hundred twenty-nine dollars and sixty-two cents from your savings account, five two excuse me, four five nine nine two. All right one moment while I go ahead and process this transfer.

utterance: You will hear a brief hold while I'm doing, excuse me, a brief silence while I put you on hold.

utterance: OK.

utterance: One moment.

utterance: All right thank you for holding Patricia. The transfer is in effect it's actually the total amount transferred was eight thousand seven hundred twenty-nine dollars and sixty-six cents. Into your wealth management account.

utterance: OK.

utterance: All right and while I have you here is there anything I can assist you with in terms of doing any of these services online?

utterance: Yeah I just have a question about online banking, if I don't have anymore well I do have one, can I still access my account online banking even though my my checking and my savings are closed?

utterance: Of course.

utterance: Absolutely, any accounts that you have with us be it credit card, savings, checking, even loans, they can all be accessed online or through the mobile app.

utterance: OK great. I guess that's all I have today. Thank you so much.

utterance: You're very welcome Patricia. I wish you well and thank you for being a valued Intellibank customer.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


utterance: Hey, it's Mac with Intellibank. How can I help you today?

utterance: Hey Mac. this is Wayne, Wayne Gilson.

utterance: Uh-huh.

utterance: Is there a manager I could speak to? Supervisor present?

utterance: can I ask why? What's going on?

utterance: it's just. It's been a mess with you guys. I've. I have a. An account with you. I have a business account with you, and it's just been. It's been a mess. So I made an appointment with the notary for Tuesday. I showed up, the notary wasn't there.

utterance: Oh.

utterance: Right. So waste of my time. Waste of my money. Like, why I am I paying you people to set me up on these, you know, these. These appointments that aren't even appointments? And you have me wasting time showing up to the location, the agents not there. So I need another appointment, immediately.

utterance: OK.

utterance: So that's. That's a huge problem. I ordered cheques two weeks ago, they never arrived. So, like, how am I supposed to run a business here? If I don't have my cheques. Your notary that you're sending out isn't showing up, like. Why am I even banking with you? I mean like what's the. You know, I could just take all my business and change bank. I could. I could go to Wells Fargo. But yet I'm with you guys and you're just dropping the ball, and every time I. I. I give you another shot, to make it up, you just drop the ball again. You just drop it again, so it's like. Like. Like. What's. What's really going on here?

utterance: Yeah.

utterance: I. I understand your frustration completely sir. And. And we'll do our best to make it right for you, so before I can do anything, I'm gonna need your. Your full name and your date of birth.

utterance: Yeah. So, full name is Wayne My last name's Gilson. G I L S O N.

utterance: Mhm. Gilson, OK. And, what is the PIN?

utterance: Right.

utterance: PIN is zero six five three.

utterance: Zero six five three.

utterance: Yes.

utterance: And what is your shipping address?

utterance: Shipping address is thirteen thirteen, Boxton Avenue.

utterance: OK.

utterance: And it's gonna be, box four oh three.

utterance: OK. All right. Well, OK. So I saw here that.

utterance: Can.

utterance: You overnight them? I mean, I need these cheques. Like, how am I supposed to pay for pay my employees? How am I supposed to pay for goods and services? Like it's you know. I'm running a business here and I don't know what you people are doing.

utterance: Yeah yeah.

utterance: Well how how many cheques do you need?

utterance: I need five hundred cheques.

utterance: Five hundred cheques? OK. So I will send those. I will overnight those. And that's. I will I'll waive the fee, because I. I just. It sounds very frustrating and.

utterance: Five hundred cheques.

utterance: Extremely frustrating.

utterance: Yeah. I wanna make sure that you're taken care of and you know again with the. The notary, again I. I really do apologize. I. I see you were supposed to meet with. Carl Yeah. Yeah.

utterance: His name's Carl.

utterance: You know, Carl's

utterance: Just really like. He doesn't even deserve to be Carl the notary.

utterance: Yeah. Yeah. It's

utterance: Like. Li~

utterance: Like. Like. Like. Carl's a big phony. If I were you I would just fire Carl.

utterance: Well. I mean that's.

utterance: Like.

utterance: I mean is Carl part of your team?

utterance: Carl is not part of my team, but I've. I'm aware of him. I am not friends with Carl.

utterance: Are you friends with Carl?

utterance: Good.

utterance: Few people are actually.

utterance: Really?

utterance: Good. Good.

utterance: But uh.

utterance: So I'll set you up with Susan instead. uh.

utterance: What's Susun's?

utterance: Last name?

utterance: Susan Susan O'Brian.

utterance: And she is no relation to Carl?

utterance: None whatsoever.

utterance: Good.

utterance: None whatsoever. So.

utterance: All right.

utterance: So. So what's the earliest you could. Could. Could. Could she meet up?

utterance: So I have. Right. Well no, she's. She's available Monday.

utterance: Right now?

utterance: Monday? I have to get through the whole week, and then wait the whole week? Monday? I need something like tomorrow.

utterance: Well I mean. It is a. This is a Friday sir. We're. We're. We're closed.

utterance: I mean, like.

utterance: You guys don't work on Sunday?

utterance: No.

utterance: What are you, Chick-fil-A?

utterance: You know. I mean. I. I think in some ways.

utterance: You're supposed to say my.

utterance: Pleasure.

utterance: I. I mean, look we're just I. I'm doing the best I can sir. And. And Susan is available Monday.

utterance: Monday. eight a.m..

utterance: She's at.

utterance: Or she has nine and then she has noon.

utterance: Can she do eight thirty?

utterance: No. She. She can do nine.

utterance: Let's do eight forty-five.

utterance: She can do nine.

utterance: All right. Nine. Nine it is.

utterance: Now do you want this to be online, or do you want her to meet you in person?

utterance: I don't. I don't. In person.

utterance: OK. In person. OK. And what. What is the ZIP code of the area that you want to.

utterance: Nine.

utterance: Zero zero one two.

utterance: Nine zero zero one two?

utterance: Tell her not be late.

utterance: OK.

utterance: Not. Not one second.

utterance: Not one second late. OK. All right. I will make sure of that. Let me write this down. Put that in there. OK. Yeah. You are confirmed for Monday at nine a.m. with Susanne O'Brian, and I sent the cheques out immediately, so you should have those tomorrow or Monday just depends on. Yes.

utterance: OK. I hope I don't.

utterance: Have to call back.

utterance: yeah. I hope I. I served you.

utterance: All right.

utterance: All right. Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank home of the smart savings and low rate SBA loans. My name is Ian. How can I help you today?

utterance: Yeah I was calling to see if I can I was I need to get a bank statement and I I wanna make sure I'm talking to the right branch.

utterance: OK.

utterance: Well actually sir any branch can pull up your Intellibank account and send you a bank statement.

utterance: Oh, is that right?

utterance: Absolutely.

utterance: OK. OK.

utterance: if you could just give me your first and last name?

utterance: All right it's Louie Johnson.

utterance: All right Mr. Louie Johnson. How are you today?

utterance: Mm I'm doing well.

utterance: OK.

utterance: Usually when people start singing it's it leads to bad. So mm-mm usually leads to bad but you you went good.

utterance: OK. So Mr. Johnson, there is a four digit PIN number that is associated with your account. Do you have that PIN handy with you?

utterance: Yeah my birthday is eleven four sixty-three.

utterance: Oh OK.

utterance: And my PIN number is six six six six.

utterance: But.

utterance: OK. PIN number's six six six six.

utterance: You got both of those?

utterance: All right.

utterance: actually no. Missed the date of birth because I needed the PIN to get into your account. Now if you can just verify your date of birth for me one more time now that I have it on my screen?

utterance: Good.

utterance: Oh god. Eleven four eighty-five.

utterance: Elven four eighty-five. OK. All right.

utterance: Also gonna need a couple more verification information pieces.

utterance: Next of which is your shipping address.

utterance: Oh all right. You ready?

utterance: I'm ready.

utterance: Sixteen eleven forty-eight Northwest South Drive.

utterance: Northwest South Drive. OK.

utterance: Do you have the city, state, and ZIP?

utterance: That would be Amityville North Carolina.

utterance: Amityville North Carolina. OK.

utterance: And I have that ZIP code as one one one one one. Is that correct?

utterance: Yep that's it.

utterance: All right. Great.

utterance: All right. And the last piece I will need is your account number. Can you verify that for me please?

utterance: OK. You ready?

utterance: I'm ready.

utterance: You sure? You ready for this?

utterance: Pound.

utterance: Two three six nine.

utterance: OK.

utterance: Eight four nine three seven oh nine B S.

utterance: OK. Nine B S. Got it. All right. Fantastic. So wanna thank you so much for verifying all that information for us. Oh, and I see you're one of our diamond check members. So we wanna thank you so much for being a long time member of the here at Intellibank.

utterance: Think I've been here like seventeen years.

utterance: Seventeen years. Yes.

utterance: Absolutely. Congratulations on long standing success.

utterance: So for these these statements that you are wanting how do you want them delivered to you? Do you want them emailed? Or do you want them mailed to you?

utterance: Email.

utterance: Email. OK, great. Do you have do you have an email address that we can send this too?

utterance: Yes. It should be the same one on the account.

utterance: do me a favor and verify that for me.

utterance: You just verified.

utterance: The account. Now we have to verify this again.

utterance: Here we go. All right. It's L O U I E dot J dot A slash B two at Gmails dot com.

utterance: All right.

utterance: dot two at Gmails dot com. Got it.

utterance: All right. So we will get that sent over to you. Do you have a range that you would like the bank statement to reflect?

utterance: We can do it anywhere from a week, to a month, to business quarter or two, even out to a year.

utterance: let's go back the last eight weeks.

utterance: Last eight weeks. OK. Just give me one second. I'll put that range in. And how many copies would you like?

utterance: I need hey you need a copy? You needed one too? All right I need four copies.

utterance: Four copies. The last eight weeks. All right.

utterance: OK. I've got that entered in and you should be receiving that email before the end of business today. Is there anything else I can help you out with sir?

utterance: no I think that's everything.

utterance: OK. Great. We thank you so much for being an Intellibank customer. And you have a great day.

utterance: All right. Thanks.

utterance: Bye.


utterance: Hello, thank you for calling Antele bank. How may I help you today.

utterance: Hi, I called the other day to get information some information about real estate loan and I'd like to purse that, if I may please.

utterance: Oh, I'd be glade to help you with that.

utterance: How are you doing today?

utterance: I'm okay, how are you?

utterance: I'm good thank you so much. And may I ask who I have the pleasure of speaking to today.

utterance: my name is Donna Kobrin, K O B R I N.

utterance: K O B R I N.

utterance: Yeah.

utterance: All right, thank you. May I call you Donna?

utterance: Mhm thank you.

utterance: Certainly, and you wanted to ask some question about a real estate loan or you'd like to apply for one, I'm sorry.

utterance: I think I'd like to go ahead an just apply for one.

utterance: Ok. I can actually do that for for you right over the phone.

utterance: Ok.

utterance: All right, and just be advice I'm gonna to be asking for your tax ID number and your drivers license. Do you have those available.

utterance: I do.

utterance: All right very good all right, let's go ahead and proceed. Will the loan be under your name?

utterance: Yes.

utterance: Donna Kobrin all right, thank you so much. And what is your address please, your home address?

utterance: my home address is twenty-one fifty two, Hope street and that's Pasadena California nine four three two one.

utterance: Thank you so much and Donna what is your social security number?

utterance: Seven two two five six one one zero five.

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

utterance: California that's A nine seven six five one one.

utterance: Thank you.

utterance: And your pin number please.

utterance: Six five one one.

utterance: Thank you. And what is your email address?

utterance: Donna Kobrin houses at Yahoo dot com.

utterance: Thank you. And Donno Kobrin is all one word?

utterance: Uh-huh.

utterance: And what is the name of your business?

utterance: Donna Kobrin Houses.

utterance: That's what I thought. OK, thank you. and are you the sole business owner?

utterance: I am.

utterance: All right, and the month and year that your business was established.

utterance: April twenty twelve.

utterance: Thank you so much, and Donna your annual growth sales for last year.

utterance: two hundred thousand.

utterance: Thank you so much just bear with me while my screen is loading.

utterance: Mhm.

utterance: What is your tax ID number?

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

utterance: Five four.

utterance: Three two.

utterance: Thank you and the for Donna Kobrin houses what is the address of your business?

utterance: it's twenty-one sixty-five orange growth and now it's Pasadena, California nine seven six five four.

utterance: Thank you you have such pleasant sounding street names out there

utterance: Oh yeah I think Pasadena is like named after orange growth and.

utterance: Isn't that where the rose every year?

utterance: It is.

utterance: Oh yes that sounded familiar.

utterance: Yeah.

utterance: All right, and is your mailing address same as your business address?

utterance: Yes it is.

utterance: Thank you.

utterance: and the purpose of your loan.

utterance: I'm looking to purchase more real estate.

utterance: Ok.

utterance: And how long would you like to carry this loan for?

utterance: Ten years.

utterance: Thank you.

utterance: And the property you are looking at, what is the cost of the property.

utterance: cost of the property is one million Dollars.

utterance: Thank you

utterance: And the address where this real estate is located?

utterance: address is fifty-five sixty-one Lake Street and that's Pasadena California nine one one seven six.

utterance: Thank you and what down payment will you be starting with?

utterance: Twenty percent.

utterance: Thank you and I am finalizing this, to upload your application into the system, and when we are done, you will get an email generated that will also have a link so you can view that application please, be advised there's another link in the email to upload documents for me to photo photocopies of your drivers license and your tax ID number and It will approximately three to ten business days to hear back if you've been approved do you have any questions about anything else or perhaps about utilizing any of this service online?

utterance: Mhm.

utterance: No, I'm good thank you.

utterance: All right, well that competes your application. Thank you for calling Antele bank, and have a great day.

utterance: Thank you.

utterance: Thank you.


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

utterance: How you doing, Jerry? I'd like to find out I check. I'd like to what is ten thousand dollars to the pound?

utterance: OK. I I assumed you'd like to know what the exchange rates are?

utterance: Yes, sir.

utterance: Certainly. Certainly. I'll be happy to assist you with that. And, just let me pull up your account information. do you have a business with us?

utterance: Yes, sir.

utterance: OK. what's your first and last name?

utterance: Benjamin Freeman.

utterance: And, Mr. Freeman, what's the name of the business that has an account with us?

utterance: Ray's Construction Company.

utterance: OK. Thank you for that, Mr. Freeman. And, I'm going to ask you a few questions in order to verify your account because your account security is very important to us here at Intellibank so are you all right if I ask you a few questions?

utterance: No. Go ahead, sir.

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

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

utterance: Oh, OK. Oh, terrific. Thank you for that. I was gonna ask for that next. And what is your business address?

utterance: Oh, my business address is three six eight eight Lehman Court. Smyrna, Georgia three zero zero eight zero.

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

utterance: OK. All right. Hang on just a second.

utterance: Sure.

utterance: All right. I got it.

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

utterance: All right. And, what is your PIN number, Mr. Freeman?

utterance: That PIN number is one zero seven nine.

utterance: One seven zero nine. And, and also I was thinking about transferring my Complete account over to London. Maybe can you help me with that?

utterance: Sure. I are you mentioning that you were considering doing a transfer of funds over to London for the exchange rate? Is that what this you're referring to?

utterance: Yes, sir.

utterance: transferring funds from your Business Total Checking account over to a client in London.

utterance: Yes, sir.

utterance: Oh. Sure. Sure. I understand. yes just to let you know the exchange rate for ten thousand US dollars is seven thousand thirteen pounds. so, if you were looking to transfer funds from your Business Total Checking account of ten thousand dollars it would translate into seven thousand four hundred thirteen pounds. So, if that's what your client over in London is charging you, you would know that that is the amount that they would need.

utterance: OK, that's good. That's good information cuz I wasn't great at algebra, the difference between the dollar and the pound.

utterance: Thank you.

utterance: Not a problem at all. And, of course as you may know, Mr. Freeman, the exchange rates to change really on a daily basis.

utterance: Oh.

utterance: so, you if you are considering doing a transfer you'd probably want to lock it in at whatever the most favorable exchange rate is for you.

utterance: because it does fluctuate from time to time.

utterance: Oh, OK. I I I didn't know that. No.

utterance: I thought maybe it stayed the same.

utterance: Yes, sir. It's it it's funny how that works. you know the central banks if the Federal Reserve, for instance here in America, when they increase interest rates it can also impact the value of the dollar as they call it. And, to keep it in simple terms as again I know you're aware Mr. Freeman here in America a way of looking at it is inflation.

utterance: Oh, OK.

utterance: you know possibly when you were a child. I see your date of birth here was nineteen seventy I believe, the the cost of a gallon of gasoline is quite different than it is today.

utterance: Yes. It it's quite different. Quite different. You're totally right about that.

utterance: And, that speaks to the value of the dollar. Yes, it's still a dollar but that dollar in nineteen seventy is quite different than the dollar in twenty twenty-one.

utterance: Yeah. A dollar twenty one is what, seventy cents?

utterance: you know, good luck getting a gallon of gas for a dollar in America today.

utterance: Yeah, you are correct.

utterance: So, that's similar to what happens with these exchange rates. they do fluctuate so you wanna of course let us know what what you were looking to do when you're ready and we can help lock in the best exchange rate for you and let you know when that would be.

utterance: All right. I appreciate the information. get back with you when when I feel up to. I'm call those people and get with them but when I get ready to do that I'll get back with you and we can go through this process.

utterance: Terrific. Terrific. Well, Mr. Freeman, if is there anything else I can help you with?

utterance: No. That'd be all. Thank you.

utterance: Well, thank you for giving us a call today and you have a great day.

utterance: All right, you too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi my name is Sylvester. and reason for my call is because I'm looking potentially to get a real estate loan.

utterance: OK yeah we can definitely help you with that. can I start by getting your full name?

utterance: Yeah Sylvester Queen.

utterance: Queen and is that Q U E E N?

utterance: Yes.

utterance: OK and can I go ahead and get your date of birth Sylvester?

utterance: Yes it is three six eighty-four.

utterance: Three six nineteen eighty-four. OK let me pull up your account so I can get your information. Can I start by getting your account number?

utterance: Yes it's four four eight six nine nine forty-one thirty-five fifty-two twenty-six eighteen.

utterance: OK and that's four four eight six nine nine four one three five five two two six eighteen?

utterance: Yes.

utterance: OK great so in order to proceed I need to verify some security questions for you.

utterance: Ok go ahead.

utterance: OK can I go ahead and get these security questions you filled out so the first one is what is your mother's maiden name?

utterance: Mother's maiden name is I think Cassandra?

utterance: Cassandra? that's not showing up in our system. Could that is that your mother's first name or her last name?

utterance: No?

utterance: Oh that's her first name so Cassandra Johnson?

utterance: Johnson? Yep OK.

utterance: OK.

utterance: And what sport did you play in high school?

utterance: I played hockey.

utterance: Hockey. OK great I thank you for verifying that for me. I'm gonna pull up your account right now,

utterance: no problem at all.

utterance: OK I'm in your account what can I do for you today?

utterance: yeah so I'm looking to get a real estate loan. and I think my net income is enough for me to qualify? I just wanted to run it by you know? Someone someone in your office to see if if if that's the case.

utterance: Of course let me pull up that information up for you right now. One moment please.

utterance: Sure.

utterance: OK so it looks like your net income for this year was two hundred thousand.

utterance: OK yeah that that sounds about right. That sounds about right. all right so I I'm taking out loans in the past with other banks. I've been with you I've been with y'all for maybe a year now and this'll be the first loan that I'll be taking out with Intellibank if I wanna do this I can do it on online?

utterance: yes you could go ahead and do it online. We have a very easy to use calculator on there that, once you put in your information it'll give you a good idea of what type of loan you could apply for and what you'd be approved for.

utterance: OK.

utterance: Oh. .

utterance: I've seen the calculator OK yeah it's OK yeah it's pops up on the site. OK Oh this is easy. I'm inputting it in there wait hold on. Could you remind me what the what the net income was again?

utterance: It was.

utterance: two hundred thousand for this year.

utterance: OK OK so I input the net income. Got it. All right so Great so I'll submit this and then would there be Do you guys possibly have a a process for like quick approvals? Like like if I'm I'm trying to close on a deal in in in the next seventy-two hours.

utterance: OK wow that that is a very. That is a very quick turn around. let me see what I can do one moment. OK thank you for your patience. I did flag your application in the system and so hopefully you'll get priority on that. I can also put a call into our Regional Manager Joe Jones.

utterance: Exactly. I know. It's kinda. It's cutting it close. I know.

utterance: Great please do that. Yeah so I'll submit it on my end and then if you could do that on your end and and that would just help and I I would appreciate that and this'll be the first of many loans to come. I hope.

utterance: And

utterance: Lovely.

utterance: OK so I did go ahead. I did flag it and once we get off this call I'm gonna put in a phone with Joe Jones so he's aware of the situation and he'll know how much of a quick turnaround time it is so we can hopefully get that up and running in seventy-two hours.

utterance: OK thank you so much for for your help.

utterance: OK thank you. You have a good day.

utterance: All right.

utterance: All right. Bye bye.

utterance: Bye.


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

utterance: Yeah I need to see if I can stop statements from coming. I'm I won't I'm getting a lot of paper. So I want to do go paperless.

utterance: Absolutely, happy to help you with that. and if I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of the business that is on your account?

utterance: Sally's Hair Salon.

utterance: All right, yes ma'am. I'll go ahead and see if I can pull this up here for you.

utterance: OK, I'd appreciate ate that. But you know, our business is growing and you know, we move into a larger location.

utterance: Oh! OK. you're getting a bigger location now ?

utterance: Oh yeah. Because you know, the business just need the space you know, that's growth and that's why we're moving.

utterance: It has to be exciting to know that your business is growing there as as a business owner, and how how does that make you feel?

utterance: That feels great, considering you know, all that's you know, been going on with Covid-nineteen and all of that. So yes, it feels fantastic.

utterance: Not a problem at all, and from the sounds of it we probably should go ahead and since you you're getting a bigger location go ahead and frankly just make sure we have the correct new information of the new address on file, that's what it sounds like. We should probably also go ahead and change as well. Would you agree?

utterance: I totally agree, and I'm glad that you mentioned that because I was calling about going paperless, so yes.

utterance: Sure, absolutely. Well let me just again, pull up your account Ms. Richards and just verify your account, because we take your account security very seriously here. And you know, before we make any adjustments or changes to the account, changing addresses and things of that nature I wanna make sure that we verify we are speaking to the account holder. If you would, just let me know Ms. Richards, what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: All right, and Ms. Richards, if you would, let me know also, what is your old address for your business that we already have on file?

utterance: It's one four one Oakwood Avenue.

utterance: OK that's one four one Oakwood Avenue?

utterance: Yes.

utterance: And what city and state is that old address in?

utterance: Smyrna Georgia.

utterance: Al right. And if you could just let me know Ms. Richards, what's the new street address for your business now?

utterance: All right. This is the new address, it's three six eight eight Layman Court.

utterance: OK. That's three six eight eight Layman Court?

utterance: Right.

utterance: And Layman is spelled L A Y M A N?

utterance: That's right, you got it.

utterance: And what city and state is that in ma'am?

utterance: That's also in Smyrna Georgia.

utterance: OK. three six eight eight Layman Court, Smyrna Georgia. And what is the ZIP code?

utterance: three zero zero eight zero.

utterance: Three zero zero eight zero?

utterance: Right. I had to look back, but yeah, that's it. You know, we're moving so I wanna double check.

utterance: I completely understand there Ms. Richards, and also just so that we can go ahead and address that, because as you mentioned probably some information might still be being sent to your old address there. what we'll do is go ahead as you stated, you wanted to move everything to paperless. Is that correct?

utterance: That's correct.

utterance: So if you would, just let me know what's the email address that you want to have your a new statements and communications with us sent to?

utterance: All right. I want you to have it sent to Sally's Hair Salon. at mail dot net.

utterance: OK. That's Sally's Hair Salon, and I take it that's S A L L Y S, no apostrophe or anything? Just S A L S A L L Y S Hair Salon at mail dot net?

utterance: Right, for the email.

utterance: OK. I'm gonna repeat that. That's Sally's Hair Salon at mail dot net is the email address that you want all communications sent to moving forward?

utterance: Please.

utterance: Not a problem at all. And.

utterance: You know, I tell you, that I've just got back in, you know, it's just cool outside. I'm like brisk you know, with the weather changing.

utterance: Oh yeah, I you know there's certainly a very interesting time of year here with the fall as far as the change of weather from the mild weather, generally speaking. I think a lot of folks love this time of year just because it's so beautiful outside, with the changing of the leaves and on the trees and shrubbery and the grass and the all there all over the place, and then it's not quite as hot as summer and it's not quite as cold as winter.

utterance: Exactly, cuz the fall means what? Change.

utterance: Looky there, yes ma'am. didn't even think about that. But great point. Now Ms. Richards, I was able to go ahead and update that for you. So one, we've made a couple of changes, just so that you know and I wanted to confirm that for you. We went ahead and addressed changing your address to your new location, your new bigger location because all of the growth.

utterance: Yes.

utterance: And then we also went ahead and made sure that we confirmed the email address we already had on file so that all of your statements and communication from us will be sent paperless.

utterance: That's right, mhm.

utterance: and is there anything else I can assist you with?

utterance: Not today.

utterance: Well if that is all Ms. Richards, we certainly do appreciate you doing business with us, and feel free to give us a call again at your convenience.

utterance: I sure will.

utterance: You have a great day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


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

utterance: Yes Jerry, I was gonna come by the bank but I got, you know real busy so I just decided to call. I would like to know what the Consumer Price Index is.

utterance: OK, sure, and is that for the US?

utterance: Yes.

utterance: All right. Happy to help you with that. Let me of course just see if I can pull up some information here. Before I do, I'd just like to know, what's your first and last name?

utterance: Evelyn Richards.

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

utterance: Jones bed and bath.

utterance: All right, terrific, and Ms. Richards, I'm just gonna ask you a few questions in order to verify your account. Is that OK?

utterance: That'll be fine.

utterance: Terrific, and Ms. Richards, what is your date of birth and your phone number?

utterance: Eleven, eleven, nineteen eighty-four. Phone number is six seven eight, two zero two, four two five three.

utterance: All right, and Ms. Richards, what is your business address?

utterance: Ten seventy-five Layman's Court. That's in Smyrna, Georgia, and the ZIP code is three zero zero zero two.

utterance: All right, and my email all right, that is E dot Richards at Jones.

utterance: B B, dot com.

utterance: OK, thank you for that, and what is your account number?

utterance: OK, my account number is six eight four, six five nine.

utterance: All right, wait. Excuse me. I've said that wrong. It's six six, eight four, six five nine.

utterance: OK, that's six six, eight four, six five nine?

utterance: Yes.

utterance: All right, and the pin number for your account is what ma'am?

utterance: It's one zero one seven, and by the way, I also would like to know the branch hours.

utterance: Certainly, certainly. Thank you for verifying your account. I was able to get that pulled up for you there Ms. Richards. So the hours of operations for our branch are Monday through Friday from nine a.m. to five p.m. and closed on the weekend.

utterance: OK, good. Those are good hours.

utterance: Yes ma'am, for our business customers, generally, for the operations they normally like there in the week, and many of our business customers are, are either not working on the weekends, or, or able to access their information remotely or online.

utterance: OK, great.

utterance: Now, Ms. Richards, if I can ask, you said you wanted the US Consumer Price Index, it is, are you looking for a particular category?

utterance: I'd like for all.

utterance: OK, and what's the period of time that you're looking for?

utterance: Just the last year.

utterance: All right, yes ma'am, let me see if I can get that pulled up here for you.

utterance: OK, and I, I'm just gonna have to say, I, it's still sinking in with me with this Braves winning the World Series. That's just gonna be a aha moment for a while, so I, it's just, I'm just so happy.

utterance: I can see your excitement, and I know that as a fan of a team that has been a while since they had their last World Series championship, you must be ecstatic.

utterance: You got to know it. It, I really am. I mean, it's just amazing.

utterance: Well congratulations to you, and yeah, I mean the Braves really seem to do what many thought was somewhat impossible but they made the quote on quote impossible possible.

utterance: Well they just, you'd, exactly, and they made this city proud, and we're just so happy too, that they brought that home, that World Series championship.

utterance: Well, I'm so happy for you and your city there, again, a great part of the country and congratulations to the Braves.

utterance: Thank you, we're sharing it with the world.

utterance: Indeed, indeed, and just so that you know, I was able to pull up that information and the U S Consumer Price Index is at zero point two four percent over the past year.

utterance: OK, that's pretty good.

utterance: well yeah, I mean yes. Just so, you know, as I'm sure you're very aware, it's an increase and so what that measures really is the cost of goods across all categories, so there's been an increase over the past year. And oftentimes, people and businesses like yourself wanna know this information because, as the general overall price of goods go up, oftentimes, that means you have the ability to increase the prices on your goods, because in many instances, supplies are costing you more. It may cost you more for wood or lumber. I know you're in the bed and bath business so for beds for, the wood that goes into bedding, the metal that goes into the bath rail rods. The cost of the metal may be increasing on the metals, all right, which is a category in the Consumer Price Index, and so because your cost is increasing, often times, that may justify you having to increase the price to your customers, and when you see the trend here, it looks like that's what's happening, that costs are going up on consumers, over the past year.

utterance: Exactly, and you explained that very well. I've assumed that that would happen, that it would go up.

utterance: I think the, the old expression is, again your business person knows that when costs goes up for businesses, do you know, normally they pass those costs onto customers.

utterance: you got that right.

utterance: Now, Ms. Richards, is there anything else I can assist you with?

utterance: No, not today.

utterance: Well terrific. If not, we certainly do appreciate you giving us a call, and you do have a good day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye.


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

utterance: yes, I have an Intellibank with you guys. And I'm interested in some stocks, but I don't know the first thing to do eh to do about stocks. Can you help me with that please?

utterance: Yes sir, I can certainly can help you with that. we actually can set up some stock sales for you. by using a market order.

utterance: so what's a market order?

utterance: a well Market Order means that you will pay whatever the current price is on the stock market through your Intellibank account.

utterance: OK.

utterance: OK. Would you like to do that sir?

utterance: yes, please.

utterance: OK, sir. first I'll need to get a little information from you to make sure that I have the correct account and set up that stock purchase. Is that all right?

utterance: Yes.

utterance: OK. Can I have your first name please sir?

utterance: yes, my first name is Gabriel.

utterance: All right. Gabriel. Can I have your last name as well?

utterance: Yes, Robinson.

utterance: All right so Gabriel Robinson. Yes?

utterance: Yes.

utterance: All right. Can I have your date of birth Mr. Robinson?

utterance: Yes, my date of birth is ten twenty-four one nine seven four.

utterance: That date was ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: All right thank you so much Mr. Robinson. Can I have your PIN for your account on file here?

utterance: my PIN. If I can't. Well aha it changed. I have two on file it changed from three three four eight five two four four nine five four nine. I don't know which one you have on file there.

utterance: All right sir, I can look that up. All right it looks like it was updated recently to four four nine five four nine. So you can keep that for future reference all right?

utterance: All right. Thank you.

utterance: All right sir, and what is the account number you're gonna use for this Start Market Order?

utterance: checking account?

utterance: Yes, sir.

utterance: hold on for a second I need to find that number.

utterance: All right sir.

utterance: OK. Found it. It's four zero nine five five two three one five seven.

utterance: OK. So that number was four zero nine five five two three one five seven.

utterance: Yes.

utterance: All right, thank you so much Mr. Robinson. OK, could you give me the stock's symbol for the stock you're wanting to purchase today?

utterance: yes, the stock symbol is G oh oh G L.

utterance: All right sir, so you wanting to purchase some stock in Google?

utterance: Yes.

utterance: All right, just one moment while I put that into this data base.

utterance: All right.

utterance: OK sir. The current share price is at one thousand three hundred and forty-nine for Google shares. How many shares would you like to purchase today?

utterance: ten please.

utterance: OK. You'd like to purchase ten shares?

utterance: Yes.

utterance: Just one moment while I input that data.

utterance: OK.

utterance: All right sir for ten shares of Google Stock that'll be thirteen thousand four hundred and ninety. Is that the correct amount you're willing to purchase today?

utterance: yes.

utterance: All right sir, let me just put that through for you, just one moment.

utterance: OK.

utterance: All right Mr. Robinson, I've all ready gone through and put that purchase through for you for ten shares of Google Stock. the share price today was thirteen forty-nine, so those ten shares are going to cost thirteen four thirteen thousand four hundred and ninety and that'll be pulled from your account four oh nine five five two three one five seven you have with us.

utterance: OK.

utterance: All right sir, is there any other purchases you would like to make today? Any other stocks?

utterance: no that's it.

utterance: All right sir is there anything else I could help you with then?

utterance: I think I got everything I need.

utterance: All right sir. we also have this information online if you have online banking with us you can always go online and do purchase shares through that account.

utterance: OK.

utterance: All right, sir. so is that all for you today?

utterance: OK.

utterance: yes I believe so.

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

utterance: Thank you.

utterance: Thank you so much sir. Bye bye.


utterance: Thank you for calling Intellibank, how can I help you today?

utterance: Hello, I'll like to change my pin number on my account.

utterance: Sure, sir, I can help you with that, can I please have your full name?

utterance: Dennis James Moon.

utterance: OK, thank you for that and your date of birth, please?

utterance: Three seven seventy-three.

utterance: OK, thank you for that. let's see and could you go ahead and give me your pin number on the account? it'd be your old pin.

utterance: OK, five six eight three nine two.

utterance: OK, thank you very much for that. OK, and

utterance: And

utterance: Well, I just need to change it. That's all.

utterance: OK well, what will you like to make your new pin?

utterance: eight three three five seven three.

utterance: OK thank you very much for that and can you please for security purposes let me know what your what your security question is here your favorite pet? What's your favorite pet?

utterance: OK.

utterance: Oh pet butch.

utterance: OK, that's great. Thank you so much. OK, I can. I'm confirming that your pin has been changed and it's ready for use. So you'll be able to access your account with this new pin

utterance: OK, that's great. You need my address?

utterance: Yes please, I'd like to have your address for this also.

utterance: OK, it's

utterance: It's three sixty Cabin Run Road Osage West Virginia two six five oh one.

utterance: OK, thank you very much for that. And we also offer a lot of different options with our online banking are you familiar with it?

utterance: a little bit I was going to ask you about the the loans you had available maybe.

utterance: OK, sure sure yes we do offer many different loans we've got many different checking accounts also. I see here that you are with the silver card checking.

utterance: Yes, I have the silver. what's for gold is that just you get a higher maximum daily limit or something?

utterance: Already?

utterance: Yeah, with the with the gold card it gives you more options as far as lower fees on your on on your checking account as far as your check and for for cheques, you get free checking with that you can also get free ATM withdrawals, you have no daily limit on how much you want to take out.

utterance: OK. well I'll get back with you to get some better details on that one.

utterance: Yeah.

utterance: OK, sure I'll set you up with Debra. And when you do call back she's our loan specialist. And she knows a lot about the in house loans and the different options that may help you.

utterance: All right.

utterance: Super.

utterance: And we also do business total checking which is also really very helpful business total checking takes care of all any fees you get free international transacting and you also get a daily balance waive on that also.

utterance: What about international wire transferring?

utterance: Yes yes, we we

utterance: That's

utterance: Free?

utterance: Yes we to we totally waive the waive the fee on that also and that makes the business total checking a little bit more lucrative and better financial choice. If you're doing a lot of business especially if it's overseas.

utterance: Wow.

utterance: Well, that's cool.

utterance: That's great thank you.

utterance: You're welcome you're welcome. And is there anything else I can help you with today? Do you need any help with locating any ATMs or.

utterance: is there yeah, nearest ATM will be cool.

utterance: OK, the nearest ATM to you is gonna be about three miles west Cabin Run Road.

utterance: OK.

utterance: And it's gonna be located in the walmart.

utterance: All right.

utterance: And they're open twenty-four hours with access to that ATM and they also have the ATM up feature. We don't have to even have your account information with you the agent would just take your social security number and look up all your information and go from there.

utterance: All right, great.

utterance: So makes it a lot easier and with the with the the online banking access you can change your pin at any time that you feel like it, and you wouldn't have to have any confirmation from the bank at all. So it would be a lot easier for you if you have any kind of checking you want to do deposit as far as you can't make it to the bank in time or you can't get a call in to us. You can do over over the internet cheque deposit into your account.

utterance: Oh, OK.

utterance: And you do have my that address is the correct one you have the Cabin Run.

utterance: Yes, I have the Cabin Run but did you have another one that you would like to add with that?

utterance: OK.

utterance: Well, I

utterance: I'm gonna be moving in a few weeks so I'll have to call and give you that new I'll just update that account when I get there I don't even know the number of that new address yet so I'll just get back with you on that.

utterance: OK, sure sir, there's no problem at all then. We're here to assist you any time that you need any kind of help with your account in any such way.

utterance: Oh you guys have been great I appreciate it so much.

utterance: Well, thank you so much sir, and thank you for calling Intellibank. Is there anything else I can help you with today?

utterance: I guess that's it. I'll call and let you know about the new address.

utterance: OK, thank you for being a valued customer.

utterance: Hey, no problem thank you.

utterance: Thank you. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank, home of the smart savings. My name is Richard, how may I help you today?

utterance: Hello.

utterance: Hello.

utterance: Yeah, can you hear me?

utterance: Yes, hi. My name's Richard, what's your name? Yes.

utterance: You there. Hello?

utterance: OK, K hey oh hi I is this the bank?

utterance: Yes, this is Intellibank.

utterance: OK, OK, I got the right place. So. I'm looking. I'm looking yeah. I need some. I need some documents notarized.

utterance: How can I help you?

utterance: OK. OK, I can definitely help you out with that. May I have your name please?

utterance: Hello? are you there?

utterance: Yes, I can help you with your notary services. May I have your name?

utterance: my name. Yeah it's Joe Saxon.

utterance: Mr. Saxon, how are you today?

utterance: All right, we're doing good.

utterance: OK Mr. Saxon. For your Intellibank account, there is a four digit PIN number that is associated with it. And I'm just gonna use that to access your account. What is your four digit PIN sir?

utterance: Oh you want my social number?

utterance: No sir, no I would never.

utterance: Any my.

utterance: And my.

utterance: PIN.

utterance: I would never ask for your social, just your PIN number. It's four digits.

utterance: OK. Well my birthday is thirteen four twelve twenty-two.

utterance: Oh.

utterance: And.

utterance: Mr. Saxon.

utterance: And.

utterance: my PIN is four four four three.

utterance: OK, four four four three. OK great. All right. And we have opened your account. Oh, great. Now we see that you are a gold member for our checking account so thank you so much for being a long time member of Intellibank.

utterance: Yeah so let me go ahead and pay for that the notary right now.

utterance: Oh. Oh sir, you're actually gonna pay for the services as they are rendered.

utterance: No no no no, it says I can pay right here credit card, it says it right there on the website.

utterance: Were you wanting to have this appointment conducted virtual or were you wanting it in person, sir?

utterance: the virtual is fine.

utterance: OK, virtual. OK, well on the virtual. On the website there's a place where you can upload your documents so that they can be notarized and then sent back to you.

utterance: that's not my question, I just wanna pay. Why what are we talking about here I just I just wanna give you my credit card.

utterance: D~.

utterance: The reason I'm mentioning that is because when the services are rendered online sir, then you will be asked to pay. But we can't take your money for services that aren't rendered if you're gonna come into this.

utterance: I wanna pay to hold the.

utterance: Time.

utterance: Oh there's no no deposit necessary for holding the the appointment time. We can just set the date and time and then you'll bring your your required documents in.

utterance: OK.

utterance: And we'll get everything taken care of then. All right, that's your loss.

utterance: OK so Mr. Saxon, we have some openings for latter the latter part of this week or early next week. Which would work better for you?

utterance: Oh goodness I Well let me see.

utterance: We have a Wednesday and a Friday of this week and we have.

utterance: Friday's.

utterance: Good.

utterance: Friday. OK.

utterance: I'm looking right now, Friday's good.

utterance: Would Monday or Would morning, sorry, would Friday morning or Friday afternoon work better for you?

utterance: Friday afternoon.

utterance: Friday afternoon, OK. We have one o'clock and a two thirty.

utterance: Two thirty.

utterance: Two thirty. All right, great. So we have Friday of this week at two thirty for Mr. Joe Saxon.

utterance: OK.

utterance: All right and we we are. I'm sorry, I'm entering some information, just give me one second Mr. Saxon.

utterance: All right.

utterance: Also keep in mind that if you have any further questions an online banking link that will be included in this email I will send you. So if you have any further questions.

utterance: Oh you think you could walk me through that online banking setup?

utterance: Or any concerns.

utterance: Sure. Just are you in front of your computer sir? Just type in Intellibank dot com.

utterance: Yeah OK.

utterance: There's a tab on the right side of the page that says information and contact us.

utterance: yeah OK. Yeah.

utterance: Any questions.

utterance: That you have you can fill in that space and a member of our chat team will be happy to help you.

utterance: Oh great, great. All right, well thank you.

utterance: Thank you Joe, and we look forward to seeing you this Friday. Have a great day.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, how may I help you?

utterance: Hello, how are you doing? This is William shake. Sorry, about that William Spears.

utterance: Thank you Mr. Spears, how may I help you today?

utterance: Yes, I need to man first and foremost I need to figure out exactly how I couldn't do it on the website, I needed to figure out how to see my. All of my transactions and I need to, you know be able to take care of the remaining balances of that's on my cards and everything, so I'm just trying figure out how I can do that, but I couldn't find it on the website, so.

utterance: No problem, I can help you with that sir.

utterance: OK.

utterance: you said your name was William Spears?

utterance: Yes.

utterance: And your date of birth please?

utterance: It is zero eight, twenty nineteen eighty-five.

utterance: And can you give me the number of the card that you're looking to make a payment on?

utterance: Yes. It is forty-three, seventy-seven fifty-four thirty-three, eleven thirty-three zero, two two zero.

utterance: Great. And the expiration date?

utterance: it is zero five, twenty-three.

utterance: OK, and the three digit number on the back of the card?

utterance: zero, eight eight two. I mean, my bad, zero eight to two.

utterance: Great.

utterance: The account balance I'm showing is three hundred and forty-two dollars, and twenty-six cents, is that correct?

utterance: Yes.

utterance: And you would like to make the full payment, or the or something else?

utterance: I wouldn't mind you know, maybe doing half today, if that's OK?

utterance: OK. What specific amount would you like to pay?

utterance: what's the lowest amount you have?

utterance: well the minimum payment on the account would be twenty-six dollars.

utterance: Can we just do that and maybe, you know, I can just and and if I do. When I get more money I can just call anytime and do it again, right?

utterance: OK.

utterance: That's correct.

utterance: I made another payment.

utterance: OK, cool. I'll just do that. And you're not gonna raise it up, right? Like.

utterance: you'll be paying a service charge on any remaining balance after the monthly due date, but of course that percentage won't change.

utterance: OK. That sounds good. I'll do that.

utterance: OK. Great. so today I'll be making a minimum payment of twenty-six dollars and yeah, it doesn't look like you have a payment method hooked up to this card right now. Do you wanna add a checking account onto that or another credit card?

utterance: yes, I do actually. Let me know when you're ready.

utterance: great. Is this a checking account number or a credit card?

utterance: it's a checking account.

utterance: OK. Go ahead and give me the number and then the routing number.

utterance: OK. the checking account number is, three three three six one, five seven, four six, eleven.

utterance: OK. And the routing number?

utterance: routing number is, eight three, two five five nine.

utterance: Got it.

utterance: And, this payment will take effect today, is that correct?

utterance: Yes.

utterance: Excellent.

utterance: so I have you paying our minimum payment of twenty-six dollars and that'll leave you with the remaining balance which will be, rolled over until next month.

utterance: OK, cool. And let me ask you this when something's not paid off do y'all does it how long before you charge it off? or it goes into collections or something like that?

utterance: well it's gonna it's not gonna necessarily go to collections, it'll just be your balance.

utterance: Hm.

utterance: So you would have as long as you're meeting the minimum payments there will be no collections you'll just accumulate a balance and you'll just have to keep making the minimum payment.

utterance: OK.

utterance: OK. Makes sense.

utterance: Great.

utterance: I can also setup a automatic payment on this, if you just wanna keep making the minimum payment every month, or if you'd like to pay a different amount every month, I could set that up for you now, or you can just go on our website and set that up for yourself at your convenience.

utterance: OK, I'll just go on the website and set that up, that'll be cool.

utterance: OK.

utterance: Great.

utterance: All right, well thank you so much, I really appreciate you helping me and taking the time out to help me with this matter. Have a blessed day.

utterance: Absolutely, no problem, I hope I've answered all your questions, is there anything else I can help you with?

utterance: no, you pretty much covered everything man so, greatly appreciated.

utterance: OK. Great. Thank you so much for your business and I'll talk to you later.

utterance: All right. Bye bye.

utterance: Thank you.