utterance: Good evening. Thank you for calling Intellibank. My name is Louisa, how may I assist you today?

utterance: Louisa my name's Eric. I was wanting to possibly look into applying for a line of credit but before I go into doing that I wanted to see what my business debt to income ratio is.

utterance: OK. I can do that for you.

utterance: For the past three.

utterance: Quarters. I wanna see that.

utterance: Absolutely not a problem. Eric what is your last name?

utterance: Moore.

utterance: Moore?

utterance: Yes.

utterance: OK very good. All right let me just put you into the system here. And what is the four digit PIN number associated with your accounts?

utterance: Two one one two.

utterance: Two one one two. OK great. And can you please verify your date of birth for me?

utterance: Eight ten nineteen seventy-six.

utterance: OK great. All right so we're going to be looking at . Sorry just letting you know I can see all of your accounts right now.

utterance: OK.

utterance: So I can see your debt. I can see your payment history and we're looking at the debt to income ratio you said for what what time period?

utterance: let's look at the past two quarters.

utterance: The.

utterance: Last two quarters. OK great one moment. Just plugging this information in.

utterance: Those are probably the lowest two quarters that we've had so.

utterance: OK.

utterance: If anything we wanna gauge it from that.

utterance: OK that's a good idea. Ok so for the previous quarter it looks like your debt to income ratio was twenty-four percent.

utterance: Which is still considered good.

utterance: OK.

utterance: That's decent.

utterance: And let me plug you into the most recent quarter which is basically two months. OK it looks like you pad down more on this most recent quarter.

utterance: Yeah.

utterance: So.

utterance: That actually brought you. That's actually a really good drop. It brought you down to twenty-one percent.

utterance: Yeah.

utterance: So that that's your on a you're on an excellent trend there.

utterance: We tried really hard. We we did our best to to bring it down so.

utterance: Wa~

utterance: Yeah.

utterance: These are definitely some trying times so congratulations for doing that.

utterance: Trying during the trying times.

utterance: Yes exactly. I do repeat my words. OK and you said there was something else you'd like to do.

utterance: Gotta try.

utterance: Yes applying for a line of credit because you know we we're wanting to expand right but just wanted to get an idea of what what the best line of credit products you have out there for me.

utterance: OK.

utterance: Well I mean we do have loans but if you'd like to apply for a credit a line of credit I think our credit cards are a great way to go. We have the the business gold card the business silver card. We there is our no annual fees ever for any of our members. The gold card also gives you the benefit of earning rewards.

utterance: Oh good.

utterance: Well we like rewards.

utterance: Yeah I do too. That's the one I have.

utterance: Rewards for spending.

utterance: OK.

utterance: And that's the gold that you said?

utterance: That's.

utterance: The Intellibank business gold card yes.

utterance: Yeah let's let's apply for the gold. Let's

utterance: Great.

utterance: I j~

utterance: Go.

utterance: For the gold.

utterance: OK I was just gonna say I could do that for you over the phone.

utterance: It's an Olympic year. Hmm go for it.

utterance: Get it.

utterance: All right so just a little bit of brief information. The card will be under your name Eric Moore?

utterance: Correct.

utterance: OK great and what is the name of the business?

utterance: More yeah that's it.

utterance: Oh just more, I'm sorry OK.

utterance: It's more, it's more.

utterance: No just with one O .

utterance: I like that.

utterance: More is more.

utterance: More is more.

utterance: And the business address?

utterance: it is I know I kind of freaked you out with that. Five six eight nine Maple Drive.

utterance: Maple Drive.

utterance: And.

utterance: That's In Los Angeles nine zero zero zero eight.

utterance: OK great. your social security number?

utterance: Nine four six eight nine seven four two nine five company's tax ID is six two six three two three eight one eight one.

utterance: OK great. I didn't need that right away but I'm just going to that screen. OK great and your driver's license number.

utterance: It's a California driver's licence. five eight zero six zero eight three one one nine.

utterance: OK. What were your gross annual sales for last year?

utterance: Gross sales last year were two hundred and twenty-three thousand.

utterance: OK great and the approximate date that you established your business.

utterance: It was nine seven two thousand and eight.

utterance: OK and you're the sole business owner correct?

utterance: Yes.

utterance: OK great. All right I'm going ahead and I'm processing this right now. you will receive your results within seven to ten days and I just sent you a link to your email for a copy of the application that we just did.

utterance: OK. .

utterance: All right.

utterance: That's all there is to that. Is there anything else I can do for you Mr. Moore?

utterance: no that's you've been a great help. I appreciate it.

utterance: Oh you're so welcome. Have a great night.

utterance: Thank you.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey Morgan how you doing today?

utterance: Hi sir how are you?

utterance: I'm doing well and I believe that you'll be able to help me out I didn't have the best experience last time but no worries everything is perfectly fine.

utterance: Mhm.

utterance: I just need to do a couple things I wanna make a credit card payment and I want a new credit card because the overdraft fees are killing me.

utterance: The overdraft fees in your current credit card sir or I'm sorry on your current account, your debit card are killing you?

utterance: Yes.

utterance: OK.

utterance: Yeah. Yeah. I wanna make a payment towards my credit card balance.

utterance: I see.

utterance: Yeah.

utterance: OK. Well I'd be very happy to assist you with that.

utterance: And also

utterance: I also need you to take off a a overdraft fee or two look we'll talk about that in a second.

utterance: OK. I can see if I can help your there sir. May I?

utterance: Whoa.

utterance: Yeah definitely definitely cause it's not my fault so.

utterance: OK sir I'd be happy to assist you may I please have your first name?

utterance: Yeah Billy Wilson.

utterance: Billy last name Wilson. W I L S O N?

utterance: Yes.

utterance: Thank you sir and your date of birth?

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

utterance: Ready.

utterance: OK it's gonna be December thirteenth nineteen ninety-two.

utterance: Thank you and your customer PIN number?

utterance: I don't have my PIN number.

utterance: OK what about your account number sir?

utterance: I don't have that either.

utterance: let's try the last four digits of your social security number.

utterance: Seven five three three.

utterance: Thank you and for your security question what is your favorite movie?

utterance: my wife set this shit up honestly I haven't watched the movie since probably two thousand and three actually our first date was Silver Linings Playbook and I went to sleep on her sleep on her on that piece of shit so hold on give me one second.

utterance: Sure.

utterance: Honey. What's that movie I like? Which movie? It's the one where fucking it's it's the one Spike Lee with Denzel. Malcolm X. No not that one. Do The Right Thing. No not that one. I don't know dear. Fuck isn't it Blue something? Lackawanna Blues? Mo' Better Blues. Mo' Better Blues. Hello.

utterance: Yes sir.

utterance: Try Mo' Better Blues.

utterance: OK sir oh! There there we go there we go now we are in and so you said that you'd like to make a payment on your credit card sir?

utterance: Yes that's correct.

utterance: OK I have the current card on file ending in eight nine eight one can I go ahead and use that card?

utterance: not not that fast so I need you to take off an overdraft fee or two.

utterance: OK sir it looks like we have taken off an overdraft fee for you before so I may be able to take off one but I cannot take both of them off.

utterance: Mhm.

utterance: Excuse me?

utterance: yes sir?

utterance: This is not my fault ma'am.

utterance: well if if you'd like for me to transfer you to a specialist I'd be happy to assist you in that sir but I personally can't take off more than one of the overdraft fees but I can credit the the second to last one back to your account in the amount of thirty-five dollars.

utterance: I would love for you to transfer me over to a specialist.

utterance: OK just give me one second sir. I'm sorry sir it looks like a specialist is not available at this time.

utterance: Great that's exactly what they told me last time.

utterance: I'm I'm I'm about that.

utterance: Do you have a manager

utterance: That I can speak to?

utterance: not at the moment our manager is out on lunch

utterance: Ain't that something look I'm gonna request a new credit card I'm not gonna pay this balance we're gonna take care of this on a different day so the address that I have on file go ahead and send me a new credit card.

utterance: OK would that be one seven six two Mulberry Lane Hot Springs Georgia eight seven six one two?

utterance: Do you have another address on file?

utterance: Two thousand Greengage Road Windsor Mill Maryland two one two four four?

utterance: That'll be the one.

utterance: OK I'll go ahead and send it to that one was there anything else that I could assist you with today sir?

utterance: I don't think you have the capabilities.

utterance: I'm sorry sir well thank you for calling Intellibank take care.

utterance: Bye.


utterance: Hello. Thank you for calling Intellibank. My name is Jean, and I will be assisting you on this recorded call. How may I help you tonight?

utterance: Hi Jean. Is that with a G or a J?

utterance: It's with a J.

utterance: Nice.

utterance: OK. Thank you. I'm named after my grandmother.

utterance: Oh, nice. That is very, very nice. I am calling tonight because I would like to get paper bills again because, for some reason, my statements that have been electronic have been inaccurate and hard to locate in the thousands of emails that I get so I'd like to just get those in the mail again. So, I'd like to have a hard copy.

utterance: OK, and that I. We can do that for you. No problem. All right, would you like me to take you off of the email? we will get the paper bills sent out to you, the hard copies, but would you like to be taken off the emails or still keep that as well?

utterance: Yeah.

utterance: Excellent.

utterance: Yes. I'd like to be taken off of the email. I actually I've tried to unsubscribe from the list several times, obviously unsuccessfully. So yeah I was just. I figured I'd call and see if someone could actually initiate

utterance: Sure, yeah.

utterance: The way to to to remove yourself from the email either is by calling a representative, or online, so I'd be glad to help you with that tonight.

utterance: Yes.

utterance: All right, let me start by getting your name.

utterance: My name's Billy.

utterance: OK Billy, and in the system am I going to find you as Billy or William?

utterance: You're gonna find me as Billy. William? I don't know who that guy is.

utterance: OK. Billy, what is your last name?

utterance: Edwards.

utterance: All right, and may I also get your date of birth?

utterance: You may. It's two fourteen, Valentine's Day.

utterance: I was gonna say

utterance: I'm a romantic at heart.

utterance: nineteen eighty-four.

utterance: All right, and Billy, a Valentine's baby, nineteen eighty-four.

utterance: That's right.

utterance: And may I also have your PIN number?

utterance: You I don't know. Can I give you my PIN number?

utterance: I I just input it just just to pull up the information in the system.

utterance: I'm just kidding.

utterance: It's eight one seven seven, but I'll have you know I am recording this call myself so if that PIN gets out of whack, I'll know who to look for.

utterance: OK. I I I hear what you're saying but, Billy, just so you know if you ever don't wanna do the PIN number you can always ask for us to ask you a security question, or you can always change the PIN after this call. You can do that online.

utterance: Sounds good. So I'll just change the PIN with someone else and then they'll know it and you won't.

utterance: All right.

utterance: Oh OK, Billy. and lastly, just the account the account number.

utterance: Right. man. I guess I I think I left that paper in the car. Could you hold on for a excuse me. Could you hold on for a second while I go get it?

utterance: Of course. I'll I'll be here.

utterance: I'll be right back.

utterance: OK.

utterance: Oh, hey. I'm I'm I'm I'm just figuring, why don't I just take the phone with me while I go check.

utterance: Oh, OK. That makes sense.

utterance: So, how's your night going?

utterance: Oh, my my night's going well. I actually just started about an hour ago, so I'm gonna be here for about another seven hours.

utterance: And we we take calls internationally, so we have an overnight shift as well.

utterance: Well, you know what I'll I'll do a snore or two for you tonight.

utterance: Thank you. Thank you. Yeah, I'm pretty used to working nights and sleeping in the day. It took some took some getting used to.

utterance: Oh, cool. OK. I got that number for you.

utterance: OK.

utterance: It is six six two one six one.

utterance: Six six two one six one?

utterance: That's right.

utterance: OK. All right, I see that that is linked here to your.

utterance: Intel Bank, right?

utterance: Sma~

utterance: Intellibank.

utterance: Yes.

utterance: Yeah.

utterance: Intellibank, your smart savings Your smart savings account.

utterance: Yes. Smart savings. I was gonna say start savings.

utterance: OK.

utterance: Well, I see actually that's the for your smart savings account but I see here you have several accounts with us but let's go ahead and get you off of the emails. The email balance statements. All right, one moment.

utterance: OK.

utterance: OK. That has been removed and we're gonna get your statements sent out to your home address. Your business address. What address would you like us. Please confirm which address you'd like me to have that.

utterance: You can send it to the business address.

utterance: Sent.

utterance: All right, and would you mind just confirming that address for me?

utterance: Yes. It's twenty-four Bluestone Lane.

utterance: OK. We do have that one on file.

utterance: Excellent.

utterance: OK, great. So in within the next four weeks you'll start seeing the bills coming to your home. It takes about up to four weeks to generate. It it could happen as early as next week but just letting you know, could be up to four weeks. In the meantime you can still access your account online for any information you may need.

utterance: All righty.

utterance: All right, Billy. is there any other service that I can provide for you tonight?

utterance: unless you guys sell ice cream I'm gonna have to say that's it.

utterance: Well, then I guess you're off to get ice cream and I'm gonna go ahead and say thank you so much for being a valued customer.

utterance: All right. Thank you.

utterance: Thank you for calling Intellibank.


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

utterance: Hey, what's the balance on my business gold card?

utterance: Certainly happy to help you with that ma'am. And if I could just ask, who do I have the pleasure of speaking with today? What's your name?

utterance: Evelyn Richards.

utterance: OK. that's Ms. Richards. And what's the name of the business that you have with us?

utterance: Betty's Barber Shop.

utterance: All right. Ms. Richards, let me see if I can pull up your account. I'll just need to verify your account information in order to let you know what the available balance is on your business gold account. what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: All right and what is your PIN number?

utterance: Seven five eight nine.

utterance: OK. Terrific. That's seven five eight nine. And, let's see here. What is the card number for your business gold account?

utterance: OK. I don't have that.

utterance: Not a problem at all. I'll be happy to, you know, if you know hold if you need to go look that up.

utterance: Yes, let. Just a second.

utterance: Certainly.

utterance: All right. Four four seven nine six five three two seven four four six three nine two six.

utterance: OK. I was able to pull that up for you and I wanna see here.

utterance: You know, I I just wanna say this. you know, I'm trying my best to tune out all of this political stuff. You know there's just a lot going on. It's, you know, you just overload.

utterance: Oh, I can fully understand that. I think a lot of folks are at this point tuned out after last year's elections. you know some folks are all you know in a politicked out if that's a word.

utterance: I agree.

utterance: And so, you know I think now, you know, it's nearing the end of the year. maybe thinking about the holidays and friends and family that might be something as an alternative to consider thinking about instead of the crazy world of politics.

utterance: Well, that certainly is my plan.

utterance: Yes, ma'am. Yes, ma'am and yes ma'am I was able to go ahead and pull your account up for your business gold account and I'm seeing that the available balance on your card is fifteen thousand seven hundred and twenty-two dollars.

utterance: So, fifteen thousand seven hundred twenty-two dollars.

utterance: Yes, ma'am. That appears to be the available balance on the gold business gold card.

utterance: All right. Well, could I also have the balance on my silver gold?

utterance: sure. as far as. Let's see here if I can pull that up. If you're speaking of for your business silver card?

utterance: Yes.

utterance: Not a problem. Yes, ma'am. If you could just provide me with the card number for that.

utterance: Four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK and let me repeat that. That is four zero three nine seven nine three six?

utterance: No. It's four zero three five.

utterance: Oh, pardon me. That's four zero three five seven nine three six six two five two?

utterance: Six two six two.

utterance: Pardon me. You know what, let me see if I can start from that again. so that again, that was four zero three five seven nine three six six two six two zero nine zero six.

utterance: That's correct.

utterance: OK. Let's see. I I tell you it's been quite a a busy day here today. I guess I may need to clean my ears out a little bit better. Turn my volume up.

utterance: No problem at all.

utterance: yes ma'am, Ms. Richards, I see here that on this particular card for your business silver card the available balance on that appears to be two thousand seven hundred sixty-nine dollars.

utterance: All right. I appreciate that.

utterance: And let me just ask Ms. Richards are you familiar at all with our online banking?

utterance: Yes.

utterance: Terrific. If you are you can also simply visit our website, go online and you can in addition to giving us a call here at the help line, you can also simply check your balance right there online at your convenience, night or day, twenty-four seven, even when we are unavailable here on the help line. just so that you're aware.

utterance: OK. Thank you so much.

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

utterance: No.

utterance: All right. Well if that's all, again we certainly do appreciate and value your business with us and you have a great day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


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

utterance: Hi, Daisy. could you please tell me the nearest location to me and could you also tell me their hours?

utterance: So, you're looking for a branch location and their hours?

utterance: Yes.

utterance: Absolutely, I'll be happy to help you with that. Why don't you give me the address that we're looking for something near to.

utterance: Sure. It is one twenty-one Parkside. Actually, you know what Daisy? I actually need to go to a branch cuz I wanna figure out my debt to income ratio for my business, but is that just is that something I could do on the phone with you right now?

utterance: Absolutely, that is something that I can help you with right here on the phone. Let's just pull open your account here. What is your full name and your date of birth?

utterance: George Emery. September twenty-first nineteen ninety-nine.

utterance: George, what is your telephone number?

utterance: It's six one two two two nine three nine zero nine and just in case you need it my email is G Emery trades at Gmail dot com.

utterance: Great. What is your Intellibank pin number?

utterance: Sixteen sixty-two.

utterance: And for the debt to income ratio, what is the time period that you'd like me to look up?

utterance: The past year.

utterance: OK, one moment. The answer is seventeen point eight percent is your debt to income ratio for the past twelve months.

utterance: OK.

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

utterance: Yes, actually. I recently had to cancel my old credit card with another bank because the fees were just too high and the credit limit was just too low. It wasn't really working out for my business, you know. so when I saw a letter in the mail about the IntelliBusiness Silver Card, I was really interested and I wanna hear more about it.

utterance: Great, I'll be happy to tell you more about that credit card. One moment while I pull up that information.

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

utterance: My day is going great. How about yours, George?

utterance: It's going pretty good. You know, just been keeping busy all day.

utterance: Sure. Yeah, me too. OK, I have that information. So, it's the IntelliBusiness Silver Card, correct?

utterance: Yeah.

utterance: OK. So, Intellibank offers our IntelliBusiness Silver Card targeted to small and medium businesses. The card allows you to reduce the administrative charges and to manage easily manage your expenses at the touch of your keyboard through it's online portal. It comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile. There's no annual fee. You earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cash back, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost. You could set individual spending limits for greater control over your companies expenditures. Your card transactions will be monitored for possible signs of fraudulent activity using our real-time, state of the art, fraud-monitoring systems. You won't be held responsible for unauthorized charges made with your card or account information. You can customize your card with your own business logo and design. And, through the end of the year George, we are offering two promotions with this card. You can you earn seven hundred and fifty dollars bonus cash back after you spend seven thousand five hundred on purchases in the first three months from account opening and also for the first twelve months there is a zero percent introductory APR. After the introductory period, it rises between thirteen point two four percent and nineteen point two four percent depending on your credit worthiness. Does this sound like the card for you, George? Would you like to go ahead and sign up for this card today?

utterance: not today, but I'll definitely keep it in mind when I'm talking to my financial advisors.

utterance: OK. Sounds good. Would you like me to send this information to your email?

utterance: Yes, please.

utterance: All right. I have went ahead and sent that through to your email. It should arrive momentarily. And for now, is there anything else that I can help you with? Any other questions or concerns that I can help you with today, George?

utterance: no, I don't think so. I think you've gotten everything I needed. So I really appreciate all your help.

utterance: Certainly. We are always here you know eight a.m. to six p.m. Eastern Time. You can give us a call and we're available to help you with your needs.

utterance: Great. Thanks.

utterance: OK. Is there anything more today, George.

utterance: Nope. That should do it.

utterance: OK, thanks for choosing Intellibank. Have a wonderful day.

utterance: You too. Bye.

utterance: Bye now.


utterance: Hi, this is Jess Jones at Intellibank. What can I do for you today?

utterance: Hi, Jess. So you gotta. You gotta bear with me. I did a lot of partying last night. I got something in the mail and I'm looking to sign up for your special program you're offering.

utterance: OK. So it sounds like you'd like to speak with one of our risk specialists?

utterance: OK, yeah. That that sounds right.

utterance: OK. So would you like me to go ahead and get you set up with that?

utterance: That's fine.

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

utterance: Johnny Golf.

utterance: OK and would you mind spelling your last name for me?

utterance: G O L F.

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

utterance: Yeah. eighty-eight nineteen eighty-eight.

utterance: and what what month and what day?

utterance: January first.

utterance: January first nineteen eighty-eight.

utterance: One one eighty-eight.

utterance: Yeah.

utterance: OK. Great. So I'm gonna go ahead and pull up your account. Can I start by getting your credit card number, please?

utterance: Absolutely. One second. OK. You ready?

utterance: Yes.

utterance: OK. I got nine zero five three zero eight three three nine zero zero eight six zero one one.

utterance: I'm sorry. I'm sorry nine zero. I said nine zero zero eight. It's nine zero. Nine five zero zero.

utterance: Yeah. I'm gonna repeat it really quick.

utterance: OK.

utterance: Of course.

utterance: Nine zero five three zero eight three three nine five zero eight six zero one one.

utterance: OK. So just to clarify, that was nine zero five three zero eight three three nine five zero eight six zero one one.

utterance: no. That's. That's two zeroes. I'm sorry oh, my god. I got a bit of a hangover. no. That. They. It is nine five zero zero. I'm sorry.

utterance: OK. I'm changing it right now. OK, great. So before we can proceed any further, I just need to ask you a few questions for the security of your account.

utterance: OK.

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

utterance: Yeah, thirty-three thirty-four.

utterance: Three thirty-four.

utterance: Or wait. Wrong company. Thirty-three thirty-five.

utterance: Thirty-three thirty-five.

utterance: Yeah.

utterance: OK, great.

utterance: And I'm gonna go ahead and ask you a few security questions that you setup when you created your account.

utterance: OK. I'm sorry. Like I had a lot of drinking. this is Inzel Bank, right?

utterance: Oh no, no worries.

utterance: this is Intellibank.

utterance: Intellibank. Got it.

utterance: OK. So let's see. What is the name of your first pet?

utterance: Golf.

utterance: OK and what city did you meet your spouse in?

utterance: shit I'm sorry. I can't think straight. I need some Aspirin.

utterance: we met in. What was that?

utterance: Dallas?

utterance: OK. Yes. thank you for verifying that information from me. I am able to pull up your account. Just one moment.

utterance: OK. I do have your account in front of me and I'm gonna open our scheduler so we can get you speaking with a risk specialist.

utterance: OK and then this is. This is gonna be for the Traveler Aware Package Program, right?

utterance: are you talking about our traveler's card?

utterance: Yes.

utterance: Yes. OK. Yeah, our risk specialist will be able to speak with you on that as well.

utterance: Mm.

utterance: OK. Awesome. Thank you. Thank you.

utterance: OK. I'm in our scheduler right now. Is there a specific day that you were hoping to speak with someone?

utterance: Yeah. any day except Monday.

utterance: Any day except Monday. OK. Let me see. Let me check on Tuesday.

utterance: OK. Is there a specific time of day that you were wanting to speak with someone?

utterance: I mean, we can go like I kind. I kind of sleep in a bit. We can go like noon.

utterance: Noon. OK. Let me see. I have an appointment available at twelve thirty.

utterance: That's fine.

utterance: OK. So I have you down for Tuesday at twelve thirty and were you wanting to have this phone call or were you wanting to come in in person?

utterance: Oh, definitely phone call.

utterance: Phone call. OK and what's the best phone number for us to reach you at?

utterance: Let me know when you're ready.

utterance: I'm ready.

utterance: OK. we have two one zero three seven four five six three one.

utterance: OK and that was two one zero three seven four five six three one.

utterance: Correct.

utterance: OK, great. You should be expecting a phone call from us on Tuesday at twelve thirty.

utterance: Awesome.

utterance: OK. Is there anything else I can help you out with today?

utterance: No, that should be it. Thank you very much. I appreciate it.

utterance: Of course, you have a lovely day.

utterance: OK. You too.

utterance: Bye.

utterance: Bye.


utterance: Hello, thank you for calling Intellibank. This is Marissa speaking. How may I assist you?

utterance: Yes, hi Marissa I I've been worried a lot about my finances lately.

utterance: Oh, I'm sorry to hear that sir.

utterance: Yeah, It's OK and you know, I just think I have been trusting myself too much and I want to maybe put my trust more in in my bank since that's that's what you all do over there, right? You handle money.

utterance: Well absolutely. We sure do sir.

utterance: Is there anybody I can I can talk to or?

utterance: Oh, well absolutely. What we can do is set you up an appointment with a financial advisor who can help you go over everything in your account.

utterance: Yes, let me set that appointment up. With financial advisor. That sounds good.

utterance: I'd be happy to do that for you sir. May I please have your first name?

utterance: Yes. it's Andy.

utterance: Thank you, Andy. Is that short for Andrew?

utterance: It is.

utterance: Thank you and Andy may I have your last name please?

utterance: Yes. It's Doletos.

utterance: OK and Andy can you also provide your date of birth please?

utterance: Date of birth is March twenty-third nineteen seventy-six.

utterance: March twenty-third nineteen seventy-six. Thank you very much sir and may I please have your driver's license number?

utterance: Yes, it is J as in Jack. Nine four one three three six seven two.

utterance: Thank you and just one security question. What is your favorite shopping brand?

utterance: favorite shopping brand?

utterance: Yes.

utterance: Banana Republic.

utterance: Banana Republic, thank you. Perfect. OK So Andy with what what type of an appointment would you like? Would you like an in person appointment? Or would you like to have an on the phone appointment? We are offering on the phone appointments due to the pandemic.

utterance: I'll just do the phone.

utterance: OK. sounds great. is there a particular date that works for you? we are booked up until this Wednesday. But Thursday and Friday we're free and we're free next week as well.

utterance: Wow. Really getting busy over there in at Intelligence Bank huh?

utterance: Oh, Intellibank.

utterance: Oh I thought you changed your name, no?

utterance: No no. We didn't.

utterance: Oh, wow. OK, sorry what? All right, I missed some of those. Did you say? Do you have like this Thursday at three?

utterance: Yes. We we certainly can do this Thursday. three p.m. is perfect.

utterance: If I need to change that appointment could I call back? Or could I reschedule it online?

utterance: You always could give us a call back or you could reschedule online. Do you have online banking? Are you set up with online banking, sir?

utterance: I don't know. Is there an app?

utterance: Yes, there is an app that you're able to download it and it is free. It is If you google it you can go to the Intellibank app and download it create a username and password there where you can check your accounts right at the palm of your hand. You don't even have to call.

utterance: OK, great. Good to know. But yeah. Thursday at three, huh?

utterance: Yes. Thursday at three p.m.. Was there anything else that I may be able to assist you with, sir?

utterance: Yeah. Actually, do you have notaries down there? Like notary publics's.

utterance: Oh, yes. We certainly do.

utterance: I need to get something notarized.

utterance: OK. now see that's gonna take another appointment. when were you thinking?

utterance: That one I I I just would prefer. I mean I kinda have to come in for that one, right?

utterance: Yes sir, you do.

utterance: Yeah. Well, what times do you have on Friday?

utterance: we have a two thirty. this Friday.

utterance: Friday, two thirty?

utterance: Mhm. Does that work for you?

utterance: Huh, let me see. Cuz I'm going Thursday three days of back to back Well, that's a phone. appointment. Yeah yeah. I can do Friday at two thirty. That's But just wanna make sure we're on the same page. That's the the Sunset Boulevard location. The sunset. The West Hollywood one?

utterance: Yes, sir. That is the West Hollywood location.

utterance: That works. Put me down for Friday at two thirty.

utterance: Friday at two thirty it is. OK, sir. So we have both of your appointments confirmed. your financial advisor appointment and your notary appointment. Was there anything else that I maybe able to assist you with today, sir?

utterance: No that should do it. do you send reminders though. I'm kinda forgetful guy.

utterance: Yes. I will go ahead and send a confirmation email to your inbox and just be sure to check your spam. Sometime it may go to spam. It shouldn't, but just to be safe.

utterance: Yeah. Why's that still happening two thousand twenty-one, huh?

utterance: I have no clue sir. I wish enough technology. I wish I knew. Mercury is in retrograde.

utterance: OK, well thanks for your help an helping set those appointments up.

utterance: Well, thank you for calling Intellibank, sir. You have a lovely day. Goodbye.

utterance: You too. Bye bye.


utterance: Good afternoon and thank you for calling Intellibank. My name is Mike. Who do I have the pleasure of serving?

utterance: Hi my name is Marshall Avery.

utterance: Hi Marshall how are you today?

utterance: I'm good I'm good.

utterance: What can I do for you today, Mr. Avery?

utterance: Well, I was hoping that we could take a look at my account, and maybe you could give me some sort of a stepping stone into the next the next the next step for what I wanna do with my finances.

utterance: sure. I could definitely help you with anything you need in your account today. could I just. verify the spelling of your first and last name? It's M A R S H A L L A V E R Y?

utterance: Yes, that's correct.

utterance: Perfect, and can I get your social security number?

utterance: Yes, my social security is five seven three zero one five two three three.

utterance: Perfect, and would you happen to have your pin number to unlock your account?

utterance: Yes, it is five seven five two.

utterance: Five seven five two? Got it. All right, perfect. I am now inside your account. I'm just reviewing everything just to get myself familiar with what I'm working with here. Just one second, please.

utterance: All righty. So, what exactly am I gonna do for you today, Mr. Marshall?

utterance: Well, I was wondering had. I I had a term loan before, but I wanted something that was a little more, a little more had a little more security involved with it if I'm dealing with higher amounts of of money to transfer. Do you have any any services on your end that is, that are more secure than a term loan?

utterance: we do we do. We have a let's see here I think if you're talking about security in terms of security for the bank in case you default on your loan. We have a what's called a secured loan that protects us as I said in case you default on your loan such as an example would be if you put down your car down as collateral for the loan and you default on the loan then your car would be. We would be entitled to take ownership of your vehicle. so yes we we have those types of loans. Is that something you'd be interested in today?

utterance: Yeah, I believe so.

utterance: Perfect. OK. Well, I'm just gonna need a little bit more info to get this application going for you. could I get your social again?

utterance: Yeah. It is five seven three zero one five two three three.

utterance: Perfect, and can I get your street address?

utterance: Yes, the street address is five hundred, fifth avenue, Lansing, Michigan, two five two four zero, and do you also need my business address, because this is a business account actually. So, my business address would be.

utterance: Yes yes yes.

utterance: I'm not ready for that yet. That field hasn't come up yet, but it will. Please keep that handy as gonna be coming up soon.

utterance: Fantastic.

utterance: could I get your driver's licence number and the state that issued it?

utterance: Nine seven nine zero three eight, and that would be the state of Michigan.

utterance: Perfect. And, a good email?

utterance: M Avery at Gmail dot com.

utterance: M Avery at Gmail dot com. And, what's the name of your business?

utterance: It is called Toy Box.

utterance: Toy Box. Spelled just how it sounds?

utterance: Exactly.

utterance: All right. And you're the sole owner of Toy Box?

utterance: Yes, that's correct.

utterance: Perfect. And what date did you establish Toy Box?

utterance: that would have been established on December twenty-fourth two thousand eighteen.

utterance: Got it. And what would you say are your gross annual sales are?

utterance: two point five million.

utterance: Two point five million. Got it. And would you have your tax ID ready?

utterance: Yes, it is eight eight eight zero nine.

utterance: Eight eight eight zero nine. Perfect. Thank you so much. Just gonna need a. Just a couple more things here for you, and then we get that application processed. do you have your business address?

utterance: Yes, I have the business address. It is eight six two Central Drive, Lansing, Michigan, two six two one one. And this is the This is the business that is associated with my with my trapper's card So that would be the that would be my business my business credit card.

utterance: we don't have any cards called a trapper's card. Were you referring to the traveler's card?

utterance: Yes, I'm sorry, I misspoke. That would be the traveler's card.

utterance: OK. No problem. Yes, yes, yes, that's correct. just a few more things here. would a good mailing address would be the business address you just provided?

utterance: Yes.

utterance: Perfect. And what type of collateral would you be providing today?

utterance: I will be providing my house as collateral.

utterance: Your house?

utterance: Yes.

utterance: OK. All right. And how much is your house worth at this moment in time?

utterance: It is worth one point five million.

utterance: All right. One point five million. And are you the owner. Are you still financing?

utterance: Yes, I'm the owner.

utterance: All right. So the house is paid in full?

utterance: Yes.

utterance: Got it. Perfect. And, what's the purpose of your loan?

utterance: It is to to do some revamping on the interior of. And the exterior. Both the interior and the exterior of my business.

utterance: All right, some remodeling. Sound good. And what's the amount you are looking for?

utterance: Looking for one million.

utterance: One million. All right. And the terms that you'd like to repay this loan back on?

utterance: twenty-four months, if possible.

utterance: Twenty-four months. Definitely possible. All right. Let me get this application going, submitting. Just waiting for the results here. Bear with me.

utterance: Fantastic! Looks like you were approved, Mr. Avery. I'm gonna send you an email that details everything that we discussed today. and your confirmation number will be included in that email. is there anything else that I can do for you to today?

utterance: No, that's everything.

utterance: Well, thank you so much. Thank you for being a loyal customer, and I hope you enjoy the rest of your day.

utterance: Thank you.


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

utterance: yes I would like to transfer some money, to a individual.

utterance: OK, I can certainly help you with that. Can I have your name please?

utterance: Dan Thomas T H O M A S.

utterance: And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: Thank you and then what account are we sending this to?

utterance: the name of the person will be Crystal West. C R Y S T A L W E S T.

utterance: OK, and do you have the account number that you're transferring the money to?

utterance: yes I do.

utterance: OK.

utterance: Whenever you're ready.

utterance: Well on second thought Let's just set set up automatic billing.

utterance: OK, so you'd Is this going to be a recurring payment?

utterance: Yes, yes. That might make it easier.

utterance: OK, yes that would make it easier for you as you wouldn't have to call us every time to make the payment.

utterance: OK.

utterance: All right, so are we still sending that to Mrs. West?

utterance: Yes.

utterance: All right, thank you, and can I have her address please?

utterance: One five five Magnolia Avenue Kenyan Country, California. Nine one three eight seven.

utterance: All right, and that was one five five Magnolia Avenue in Kenyan Country, California. ZIP code nine one three eight seven. Did I get that correct?

utterance: That's correct.

utterance: Perfect. All right, and what account number are we paying this recurring payment out of?

utterance: OK, this will be out of my business total checking account.

utterance: OK.

utterance: And the account number is seven three zero six nine five six eight two nine.

utterance: All right, lemme read that back, that's seven three zero six nine five six eight two nine correct?

utterance: Correct.

utterance: All right, great. And would you like that to be sent as a e-check or as a hard copy check in the mail?

utterance: hard copy in the mail please.

utterance: OK, no problem I can do that. And the account number for Ms. West's account that we will be depositing these into?

utterance: Two zero nine zero two one eight four two zero.

utterance: All right that's two zero nine zero two one eight four two zero, correct?

utterance: That's correct.

utterance: All right, and then the routing number for her account.

utterance: Seven seven one three seven three five six three.

utterance: OK, that's seven seven one three seven three, five six three. Correct?

utterance: Correct.

utterance: All right, and then are we doing this once a month, or bi-monthly? how many how often do we need to have this payment set up for.

utterance: once a month.

utterance: All right, and is there a specific date you would like to have that billed on?

utterance: the fifth of each month.

utterance: All right. The fifth of each month and so the first payment will go out today, yes?

utterance: Yes, yes if possible, yes.

utterance: OK, yes, well as today is the fourth, and we can get that paid and dated for the fifth, so that it'll process on time.

utterance: OK.

utterance: All right, so we'll have your first payment set up to be paid out today, and then we will have those payments coming out of your account every month on the fifth and and how much is that payment supposed to be for sir?

utterance: fifty dollars even.

utterance: All right. Fifty dollars even coming out on the fifth of each month, starting today.

utterance: That that sounds good.

utterance: All right, sir and that will continual to drafted from your account and to be deposited in Ms. West's account until you give us a call back or go online to stop that payment.

utterance: OK, sounds great. How's the weather been doing while up there?

utterance: Oh, the weather's been not too bad, been a little chilly but not terrible, how's the weather where you are?

utterance: It's been raining a lot here.

utterance: well. I don't know which I'd rather have, rain or chilly.

utterance: Yeah. You get both sometimes.

utterance: Yeah and that's never fun.

utterance: No.

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

utterance: I can't think of anything.

utterance: All right, sir. Well thank you for choosing Intellibank and you have a great day.

utterance: All right, thank you.


utterance: Thank you for calling Intellibank, this is Renatta, how could I help you?

utterance: Hey Renatta, how you doing today?

utterance: I'm doing really well, how about yourself?

utterance: I'm good, I'm having a an amazing amazing day a day that dreams are made of.

utterance: Oh and wah! A day that dreams are made of, wow, that's

utterance: Yeah. Yep.

utterance: Absolutely.

utterance: that is something.

utterance: Absolutely.

utterance: What does that mean?

utterance: It means take the things in your dreams and put them all together in one day, and enjoy life.

utterance: Hmm.

utterance: Wow, OK.

utterance: Especially with the person that you love.

utterance: Huh. That is certainly a day.

utterance: It is.

utterance: A day of days.

utterance: It is a an amazing and beautiful day, and I'm thankful for today and I hope I'll repeat it tomorrow.

utterance: Yeah.

utterance: God, amazing. I don't think I've ever met, I don't think I've had a caller ever in my life say this so. I'm gonna try and be inspired by this.

utterance: You should. You absolutely should. And you should

utterance: I will.

utterance: You should do it too. At least once.

utterance: OK.

utterance: Hopefully

utterance: Sounds good.

utterance: Dozens or hundreds of times. But anyway, so today I I'm calling you, calling Intelligent Bank to

utterance: wait did you say Intelligent Bank?

utterance: I did.

utterance: Oh my gosh, that's do funny, cuz I can't tell you how many times a day customers say it's Intelligent Bank. But you know it's Intellibank.

utterance: I do.

utterance: It's Intellibank, but I mean. like seriously yesterday, I had about eight to ten customers throughout the day call it Intelligent Bank, and it's just I feel like maybe we should change the name to Intelligent Bank. What do you think? I mean, so many people say it, it's crazy.

utterance: It just kinda. It flows.

utterance: Do you, do you sometimes, like it just it just flows so quickly you sometimes just not even say anything to the customer, just let them flow with it?

utterance: No. No I just I I just think it's so interesting. Like I have to point it out like, Intelligent Bank. I mean we are very intelligent here but it's just so funny like did you do that as a joke or did you like mean to?

utterance: No, like I said it

utterance: Just it just flowed and I I don't know, maybe I'm having too much of a good time today, and too much and too relaxed. but yeah so all right well in my eyes like I always think you guys are intelligent. And you guys are an Intelligent Bank so the reason I did call was to to see how intelligent you guys will be. cuz the the end of the year we're we're coming up very very close to the end of the year.

utterance: Yeah.

utterance: And I need to see if you still have the tax specialists to to talk with business owners.

utterance: The tax specialists, you said? Absolutely we have some of the best top tax specialists in the world that work in Intellibank. Like seriously not just in the country, in the world that we recruit them from. so yeah, I mean do you want to set up an appointment to have like a meeting with one of them?

utterance: Yes.

utterance: Yeah that would be amazing.

utterance: OK great, so you know like a tax they're either like an accountant or a lawyer and they specialize in helping individuals or organizations prepare and file taxes.

utterance: Right, absolutely.

utterance: Right OK great, so OK, let's start of with what's your first and last name?

utterance: my name is Eric Embers.

utterance: OK, spell your last name, just so I get it right.

utterance: E M B E R S.

utterance: OK. and what's your date of birth?

utterance: June thirteenth, nineteen eighty.

utterance: All right. And what's your account number?

utterance: hang on one second for that one.

utterance: Sure, take your time.

utterance: OK, my account number is zero eight eight six.

utterance: Mhm.

utterance: Three one seven, four zero seven.

utterance: OK so that's zero eight eight six three one seven four zero seven.

utterance: Mhm.

utterance: All right, OK and what I can do is, would you like me to I can just get your address and I can send you over an email with all of the different branches near you with a calendar with different, with the different tax specialists.

utterance: OK.

utterance: And then you can go on and make your own appointment on the calendar. And then you'll get an email confirmation of it and this way you can go in and you can like look at all the dates that are open, and the times availability.

utterance: Yeah.

utterance: That that would be great.

utterance: OK.

utterance: What's your email?

utterance: It's Eric Embers eighty.

utterance: Mhm.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: Is that a capital E?

utterance: Yes.

utterance: OK. All right, OK Mr. Embers I said Embers, I'm sorry. Mr. Embers, we can All right so, I sent you that email. So you can go in and look at the different specialists if you look at their name and location, you can like get a little biography about them. And pick which one you might be interested in and you'll be good to go, and then you'll get an email confirmation, all that great stuff.

utterance: OK.

utterance: That sounds great to me.

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

utterance: No that's it.

utterance: All right have a great day.

utterance: You too.

utterance: Bye bye.


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

utterance: Hi there, how are you today?

utterance: Excellent!

utterance: That great. I'm hoping you can help me out here.

utterance: I need to find out what my net income is from January to June of this year.

utterance: Sure, I can look that up for you, sir. Can I have your first name please?

utterance: Sure, it's Alexander.

utterance: And your last name?

utterance: Lopez.

utterance: Thank you, Alex. And your date of birth, please?

utterance: Six six sixty-two.

utterance: And the pin number for the account?

utterance: Six two six two.

utterance: And the time period you said was?

utterance: From January to June of this year.

utterance: January to June. Okay correct sir. Thank you for that. Alright, one moment please, okay?

utterance: Sure.

utterance: So how's your day going today sir?

utterance: It's going pretty good.

utterance: Excellent, good to here. I do apologies but my system is doing an update right now. It will just be a moment, okay?

utterance: Uh-huh.

utterance: How's the weather by you?

utterance: Oh, it's beautiful here in sunny California.

utterance: Oh, California. It's raining here in Florida.

utterance: Oh you're in Florida? I've always wanted to go to Florida.

utterance: Oh, you haven't been?

utterance: No, and I hear your Disney is much better than ours.

utterance: Oh, I wouldn't know. I haven't been to the one in California.

utterance: Alright sir, one moment please OK?

utterance: Yes.

utterance: Alright sir, it looks like your net income from January through June was two hundred seventy eight thousand four hundred sixty-three dollars.

utterance: That was two hundred seventy eight thousand four hundred sixty-three dollars?

utterance: Yes sir, would you like me to send you an email?

utterance: Sure, sounds great.

utterance: Absolutely. What is your email address again?

utterance: It's A L O P E Z two two at Gmail dot com.

utterance: Thank you sir, okay yes that is the one we have on file. I just wanted to verify.

utterance: You're welcome.

utterance: Alright sir, let me just send you that email confirmation okay?

utterance: Yes.

utterance: Give me one second okay? You let me know when you receive it.

utterance: Yes I got it.

utterance: Excellent sir. Would you by any chance be interested in learning about our online banking today?

utterance: Sure Lorrie.

utterance: Excellent, so we do offer online banking here at Intellibank.

utterance: You can always log in at WWW dot Intellibank dot com.

utterance: And search for our online registration tool and it will walk you through and from there you can access you account and check information like your reports ordering checks and all those fun things.

utterance: Anything else I can help you with today sir?

utterance: No thank you.

utterance: All right, you have a great day. Thank you so much for your help.

utterance: Thank you.

utterance: You're welcome, Laurie.


utterance: Good afternoon. Intellibank. This is Andy speaking.

utterance: Hi Andy. I got a SAB loan from you guys about a year ago. And I had a couple a questions on that.

utterance: OK. We'd be happy to assist you. Just to clarify, you are referring to the SBA loan. Correct?

utterance: Yeah, sorry. little dyslexic. sorry about that. That would be the SBA loan, yes.

utterance: That's OK. The. This is a. It's a common mistake and it's just an acronym issue. it's Small Business Administration does also you know talk about this as well. So yeah. So. before we can you help you out I'd like to get your first and last name. so we can started on verifying your identity.

utterance: yeah. It's Frank Peterman.

utterance: Could you confirm whether Peterman is spelled with one N or two Ns.

utterance: It's one N.

utterance: Peterman. P E T E R M A N?

utterance: You got it.

utterance: OK. And what is your date of birth may I ask sir?

utterance: Yeah. It's four thirteen eighty-eight.

utterance: Thirteen. Nineteen eighty-eight. And what may I ask ask is your pin number. The number for your account?

utterance: It is one one seven four.

utterance: OK sir. I did. I was able to successfully access your account. And I wanted to clarify again what it is that you specifically wanted out of today's call. Just in terms of the loan itself.

utterance: Well honestly, I've lost a little track of what's going on with it. How much I've paid. where we're standing right now with it so I just wanted to get caught up and yeah, see what what these details are.

utterance: OK. So, your outstanding loan balance.

utterance: I guess that's what I should have asked for is the loan balance.

utterance: That's correct, yeah.

utterance: All right. Yeah, let's start there.

utterance: so I'd be happy to assist you with that. so now that I have access to your account I can tell you that your outstanding loan balance Mr. Peterman is five thousand, nine hundred and fourteen dollars and fifty-one cents. And this includes the interest that's that's accrued in your account over the last eleven months. ever since the SBA approved your loan and contacted us about the approval.

utterance: Gotcha. What are the possibilities of restructuring this? What are what are you guys offering right now?

utterance: So there are three loans that we do offer through Intellibank for our small business customers. one is the SBA loan. The Seven A SBA loan which consists of the regular the regular interest rate. And another one is the SBA Five Oh Four loan which is a lower interest rate, however, it it it will accrue for a longer period of time. And the third The third loan that we do do offer is a real estate loan but I I believe that that's something different.

utterance: Yeah. Not in the not in the market for anything like that right now. what are the chances that we may be able to lower the interest rates on this?

utterance: So right now the interest rates are determined by the current market status and right now the your your interest rate I believe was locked in a year ago at three point five percent APR. Currently the interest rate on the market is two point nine percent. So that's something that we can look into but not immediately sir unfortunately because we do need to wait for the next calendar year to roll around before we can process that. So.

utterance: Understandable. Understandable. all right. I mean I guess I'll give you guys a call back next year. Just I I should wait until after January first?

utterance: That is correct sir. After January first twenty twenty-two, this will. This will reset and that's A new interest rate is something that we can help you with refinancing.

utterance: all right. Well I will give you guys a call back then.

utterance: OK. Is there anything else Mr. Peterman?

utterance: That'll do it today.

utterance: Thank you so much and thank you for banking with Intellibank. Have a nice day.

utterance: You.


utterance: Good afternoon this is. Sorry about that.

utterance: That's good, you guys have greeting music now, huh?

utterance: yeah.

utterance: That's

utterance: Pretty cool.

utterance: Yeah let me. The music drives me nuts. That's right. hey so this is Tom at Intellibank. How are you doing? I'd like to help you as soon as possible.

utterance: Oh.

utterance: Oh yeah hey Tom. so I'm calling because I was going on my investments in my account online and I did see that one of the things I would be able to get was some sort of consolidated document that would give me an investment report. So I wanted to arrange to have that sent to me, kind of on a regular basis actually, so could you help me with that?

utterance: Yeah absolutely. let's start with. Can I get some information from you. First I need your first and last name.

utterance: OK my first name is Jason and my last name is Effington.

utterance: Effington OK can you spell that?

utterance: E F F I N G T O N.

utterance: All right great and can I get your account number?

utterance: Absolutely it is eight four nine six three eight two two.

utterance: OK and your PIN number please.

utterance: PIN number is four five two five.

utterance: OK you have a second verification on there. there was a question that you answered. can you get the name of your first pet?

utterance: Name of my first pet. Was Diego.

utterance: Diego. All right looks like OK got you in there. OK so we have a delivery method you. Would you like that to be paper that you get in your mail or can do paperless or email.

utterance: Damn that reminds me. I gotta go to San Diego this weekend. Oh man. I got. That zoo is crazy. You ever been to that zoo down there?

utterance: I have not.

utterance: Highly recommend it. I know that people think like zoos are for kids or whatever but and they got the I forget if they're they're two separate things SeaWorld and the zoo or they're all under the same kind of campus. but yeah I I gotta go down there dude. I used to. I live in LA and like in. When I moved here it would take two hours or less to get down there and now it's like three three and a half hours just cuz the population's increased. The roads are always being worked on. More people have moved to San Diego too so you catch the traffic coming. That used to be like a real chill kind of beach town little bit of military town but now it's just jam-packed. It's like everybody moves to California and tries to find a a an area to settle here whether it's LA, San Diego or or the Bay Area at . Phew talk about expensive that. Intellibank must have a bunch of customers up there cuz that is where the money is flowing through man. Right have you ever you ever been up to to the Bay Area?

utterance: yeah once. I was there on a school trip when I was young.

utterance: Oh OK. What what kinda. Where'd you guys go? To Alcatraz or something?

utterance: No it was a choir group.

utterance: You guys sing at Alcatraz?

utterance: no I didn't go to Alcatraz. we sang in a performance there. We did go on a boat though it circled Alcatraz.

utterance: Right so I mean you're. You circled Alcatraz but didn't go to Alcatraz?

utterance: No. yeah the funds were tight. It was a. Tight. It was school thing so.

utterance: I mean I. I would've paid the extra money just to go to Alcatraz.

utterance: I know at the time I was pretty young. It kinda seemed like it would be scary. Scared of me.

utterance: I don't think you considered your options at that point like you were already on a boat. You're that close to Alcatraz. Why not just jump in the water and swim to Alcatraz?

utterance: I think they people die doing that.

utterance: No they died escaping. You're reading myths man. You're watching way too many prison re-enactment movies and shows. I'm talking about if you're close on a party on a boat and you jump in and swim. Like I know that's cold water but you know maybe I'm just more into Alcatraz than other people but that's what I would do.

utterance: Gotcha you know actually we Why don't we go up and set your. Set up your getting you this investment report.

utterance: Yeah let's do it.

utterance: Right.

utterance: Can I get your email account?

utterance: Oh yeah my email account is Alcatraz fanatic at Gmail dot com.

utterance: Let me see. Wow. That's awesome. You have that account.

utterance: I do.

utterance: OK so I got that logged in. All right so I'm gonna send you a link. You're gonna get it in. it's gonna generate. It'll take maybe like ten minutes but once you get it you can go to that. You'll need a need a log in to your account, some of the basic information that you've already given me and you can. You can then set it up to be sent to you weekly annually monthly however you like it.

utterance: That's more like it.

utterance: That's what I want. That's what I wanna, cuz I do wanna on a regular basis. whew.

utterance: Well great, can I help you with anything else?

utterance: No thanks Alcatraz little joke.

utterance: You're funny.

utterance: have a good one.

utterance: You too. Take care.

utterance: Bye.


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

utterance: Yes, hello. I'm calling again to schedule an appointment with a notary. You see, I already called once earlier and was disconnected.

utterance: Yes, ma'am. I do apologize. That was actually me on the call earlier. I'm not sure exactly what happened. The phone must have dropped the call.

utterance: Oh OK, well let's do this cuz I really need to schedule an appointment with a notary.

utterance: Absolutely, ma'am. I can help you with that.

utterance: OK, great. Well, also, I haven't been into an Intel bank in a long time. Are you still located on Palm Ave?

utterance: Yes, ma'am, Intellibank is located on Palm Ave.

utterance: Oh, OK, I'm sorry. Intellibank. So Palm Ave and Tenth Street, correct?

utterance: Yes, that is correct, ma'am.

utterance: OK, Thank you so much.

utterance: Not a problem. All right, lemme just get some information from you, OK?

utterance: Sure, no problem. What do you need?

utterance: give me one second actually. My system's doing a quick update at the moment.

utterance: OK.

utterance: how's your day going?

utterance: It's going all right. It's a little chilly where I'm at and I hope it warms up sooner but, you know, you gotta go with the weather.

utterance: Oh, are you part of that bad cold front that I saw that was up north was getting?

utterance: Yes, I live up in New York, like, the small little parts but it's really, really cold.

utterance: Oh yes, ma'am. It does get chilly up there my my brother lives up in Buffalo.

utterance: Oh wow. Does he like it up there?

utterance: He loves it but me, I'm a Florida girl born and raised and you guys can have fun with that cold weather.

utterance: Oh really? I mean I've been to Florida once in for the summer and it was really hot but you know, I'm sorry. I prefer the cold.

utterance: Summers can be quite brutal and the rain is never fun but it beats that snow you guys get.

utterance: when you come from another state to us maybe. But when you're born and raised here like me, you love it. You're so used to it. It's just like you're saying that you're born from Florida. You're used to it.

utterance: I understand. All right, ma'am, let me get you first and last name, please?

utterance: Sure, it's Alexandria Lopez.

utterance: And your date of birth?

utterance: It's six six sixty-two.

utterance: That was six six sixty-two?

utterance: Yes, ma'am.

utterance: Any sorry go ahead.

utterance: Thank you for that information. What is your account number?

utterance: My account number is six three five seven eight nine, oh wait I'm sorry. I think I don't have the right account number. Lemme run to my purse and check and get you the right one.

utterance: Sure. I can hold, no problem.

utterance: Sure. Give me one second, please. shoot I'm still looking, give me a second!

utterance: Not a problem, ma'am!

utterance: OK, I'm back. I'm back so the account number is six three five seven eight nine six two six one two.

utterance: Thank you for that information and the PIN number associated with the account?

utterance: Six two six two.

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

utterance: Yes, ma'am.

utterance: And PIN number six two six two?

utterance: Yes, that is correct.

utterance: And what date would you like to schedule this?

utterance: Well, I was curious about if you had anything on eleven twenty for about or around one p.m..

utterance: let me check the system, OK? Hold on one second here. yes, ma'am, I do have that date and time available. Would you like this appointment online or in person?

utterance: so I'd like it in person and I just wanna make sure if I do that it'll be at the bank on Palm Aire.

utterance: Yes, ma'am, that is correct. I apologize. You did say that earlier on. Tenth and Palm Aire, that's correct.

utterance: Yes.

utterance: OK, I have that all set for you. You should be receiving an email confirmation shortly. I'll wait for you to receive that, OK?

utterance: Oh, OK, great, and actually, I think I just did receive it if you want to gimme about a second just to double check and make sure that's what came through?

utterance: Sure!

utterance: OK, lemme go check and I'll be right back.

utterance: Not a problem.

utterance: OK, so I'm back. Yes, it was the email from you that came through. Thank you so much.

utterance: Oh, you're very welcome, ma'am. Is there anything else I can do for you today?

utterance: No, that'll be it. Thank you.

utterance: Thank you for calling Intellibank. Again, my name is Lori. You have a great day.

utterance: You, too. Bye bye.


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

utterance: Yeah, I have a problem and I'm hoping you have a solution. I have been getting my mail stolen. don't worry, not causing to not calling accusing you guys. just need you to help me with a little thing. my bank statements have disappeared as well as the rest of my mail. So, first off I want to put an absolute complete stop to receiving anything in the mail from you guys while this is still going on.

utterance: Mhm.

utterance: And then I'd like some other way of receiving the stuff that I get in the mail like my statement.

utterance: Mhm.

utterance: Is that something that you can help me with?

utterance: yes sir absolutely. but first I need to go into your account so I can see how it looks right now as far as how it's currently set up so if you could please give me your last name.

utterance: Not a problem.

utterance: yeah, it's Creed.

utterance: Is that C R E E D?

utterance: It is.

utterance: And, what is your first name?

utterance: Adam.

utterance: Adam Creed. Excellent, OK. And just need your PIN number for the phone on your account.

utterance: Oh, sure. it is one, oh, one, one.

utterance: OK. Excellent Mr. Creed. And just one more cause of your phone number matches one of the ones in our approved profile. I just need a one more security check. It's just your date of birth please.

utterance: Oh, fantastic.

utterance: Oh, my date of birth is two twenty-two, seventy-seven.

utterance: Excellent. Sounds great so I see that we have still that you had in your preferences that you did receive paper statements. And

utterance: Yeah and that honestly that is still my preferences but I unfortunately have to stop receiving them, while I have this mail theft situation going on.

utterance: Right.

utterance: Absolutely. one option that you might want to do is if you were interested in getting some sort of PO box at the post office or another service. or you could pick up your mail that happens to be in a more secure location.

utterance: I I gotta tell you that seems like a lot of work because I'm gonna have to set up the PO box, I'm gonna have to go down there to pick up the mail. I'd really like a simpler solution to this if you have one.

utterance: Well absolutely. I mean we can definitely suit you over to paperless it's just that in order for us to actually mail paper statements if that's what you prefer there has to be a secure place for you to receive your mail.

utterance: Now if I switch over to paperless, quote on quote paperless. Can I print those out myself at home?

utterance: Correct.

utterance: Absolutely.

utterance: Let's do it.

utterance: All right. That'll probably be the best solution because it's right there next to you if you have a printer and you just switch it over to black and white or you can do them in color. And print out the pages you need and not print out the pages you don't and any time you need it just pull it to PDF push print and it's right there.

utterance: I'm probably gonna do the the color because I like I like seeing the logo and I like seeing all the the header stuff so yeah. is if I can print it out just like you guys sent it then let's go ahead and go for it.

utterance: Absolutely. It looks just the way it would if we sent it to you and you can print it right there in your comfort of your home, own home and no one will will steal it from you. So that's great.

utterance: So what do you need from me?

utterance: You don't need to do anything. I already have your account pulled up. And I'll have already switched that you would like to go paperless.

utterance: Oh.

utterance: Oh.

utterance: And there it is like magic but just you know. I see also that your online account is not set up yet so you you just need to go on to our website or download our app and just follow the simple security suggestions, kinda similar to what you did with me. We had to make sure that you are who you say you are, just for your own protections sir. And then once you know we have verified it's you then it's so much faster to get on after that because your security things have already been done. And there's certain things that we always look for whether it be face ID on your phone or the fact that it's a browser you uses all the time it reduces the amount.

utterance: Yeah I'll I'll probably do it on the computer I I I I I don't really get the apps on the phone and all that stuff.

utterance: Great yeah it's it's similar either way so if you prefer that way that's totally fine.

utterance: Well great. I will go the website and I'll get that all set up.

utterance: Excellent. If you have any questions please give us another call and I'll be happy to help you through it.

utterance: I'm sure I will thank you very much.

utterance: Excellent. Thank you Mr. Creed, have a great day.

utterance: You too. Bye.

utterance: Bye.


utterance: Good evening and thank you so much for calling Intellibank where customer service is our number one priority. My name is Erica and I will be assisting you tonight on a recorded call for customer satisfaction. Who do I have the pleasure of speaking to tonight?

utterance: Sergio.

utterance: Hey Sergio, how are you doing tonight?

utterance: Doing good how are you doing?

utterance: I'm doing great thanks so much for asking. How may I assist you tonight Sergio?

utterance: All right Sergio wants to get some information on the exchange rate.

utterance: Oh, OK. And I have been put on hold multiple times.

utterance: Oh no.

utterance: And I've been hung up on and I'm just honestly I just want to get through the rest of this conversation.

utterance: OK well I am so sorry for that experience I'm.

utterance: Yeah.

utterance: Horrified to hear that you were hung up on.

utterance: Yes, it really sucks.

utterance: So.

utterance: I just want.

utterance: Really.

utterance: Really, really, really, sucks.

utterance: So sorry so I am gonna do my best to go above and beyond for you tonight. So you get everything that you need tonight all right Sergio.

utterance: All right.

utterance: All right Sergio let me start by getting your last name.

utterance: Yeah it's Garcia.

utterance: G A R C I A?

utterance: That's right.

utterance: OK terrific and just so I can pull up your account information may I get your four digit security code?

utterance: it's one eight zero one.

utterance: One eight zero one.

utterance: Mhm.

utterance: OK terrific and Sergio can you also verify your date of birth for me.

utterance: Yeah it's February third nineteen eight six.

utterance: OK nineteen eight six. OK. All right I'm pulling up your information Sergio if there is a disconnect that happens on the call we don't normally call customers back but with your permission I could do that if for any reason the call disconnects?

utterance: That's right.

utterance: OK. Yeah please, like I'm just honestly I'm just like really exhausted right now.

utterance: All right. All right.

utterance: Of course I I yeah let's make this easy for you and just verifying I see your number is eight one eight three seven zero nine nine two two.

utterance: Yeah. That's right.

utterance: OK.

utterance: Great just in case. All right. And you were saying that you wanted to get some. Go ahe~

utterance: Yeah, I just I basically.

utterance: Wanna know. I wanna get some information on. First of all, I wanna know what the exchange rate is.

utterance: I'm I'm I'm leaving the country. Tonight.

utterance: OK.

utterance: Oh my goodness OK.

utterance: Yeah, I have to.

utterance: And what what source of currency are we looking at?

utterance: I'm looking at the euro.

utterance: The euro. OK.

utterance: Yeah.

utterance: And so what we're looking at is the the euro currently? OK.

utterance: Yeah, I'm.

utterance: Going to Madrid.

utterance: Oh how nice.

utterance: I've I've got well if you only knew. But anyway I'm just I have to get the exchange rate so I gotta get out.

utterance: OK.

utterance: All right, I understand. All right. So

utterance: Yeah.

utterance: Yeah.

utterance: I don't wanna do it there I just need to know right now I mean regardless I have to, but.

utterance: No.

utterance: Of.

utterance: Course. Of course OK so the current the current rate right now compared to the American dollar is coming in at one point seven five.

utterance: Well so how much is that?

utterance: Let me convert that for you.

utterance: This coming in a sixty-five cents to the dollar.

utterance: Sixty-five cents to the dollar? Really?

utterance: Like that's nothing what's the dollars worth nothing.

utterance: It's not it's not at it's strongest right now that is correct.

utterance: Terrible like is there anyway we can do anything about that or?

utterance: Unfortunately not this is nothing that Intellibank says this is said by the Federal trade reserve and the national banks.

utterance: Man.

utterance: One thing I might just gently suggest is there are places in Europe that do accept American currency so maybe if you know in the back of your wallet you carry some American cash that might help you as well but a aside from that if you want me to do any wire transferring for you it would take twenty-four hours for it to hit an international account.

utterance: No, no, no, no, no, no. No, no, no, no, no, no, no, no, no, no, no, no, no wire transfers.

utterance: OK.

utterance: OK.

utterance: No I'm just checking to see if you needed it.

utterance: You know I can't do any wire transfers.

utterance: I have to do petty cash I have to take petty cash with me.

utterance: OK.

utterance: You know what I'm saying?

utterance: I do I do I'm just giving you all your options.

utterance: OK OK this is just really bugging me out All right. Damn. So what what what what do I need to do do I just just go there and just just exchange the money?

utterance: You can you can do it at the airport if your going are you traveling by plane I assume?

utterance: Yes yes.

utterance: OK there are places to do it in airports that's one reason why I was offering the wire transfer.

utterance: I gotta go I gotta get out of here.

utterance: I gotta go. I gotta go. I gotta go. Forget it. Forget it. just forget the call right now I I have to go. I can't do this right now.

utterance: OK.

utterance: OK.

utterance: I understand well thank you for calling Intellibank and thank you and have a nice trip.


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

utterance: yes, I've got an account with your bank and I've got some questions about my taxes and I was wondering what type of services that you could offer.

utterance: certainly. we do have tax specialists who are here to assist our customers specifically with tax questions. we can get an appointment set up for that.

utterance: if that is something that you would be interested in.

utterance: yes, that sounds great. Is there a fee associated with that?

utterance: No sir, there is no fee for getting an appointment with one of our tax specialists. that is just a service that we offer free of charge to our customers.

utterance: OK, and what type of information would I need to bring with me?

utterance: the majority of your account information our specialist will be able to access through your bank records, but do bring any questions that are specific questions or documents related to any specific questions and you may also need to bring other financial statements related to any transactions that are not included through one of your Intellibank accounts.

utterance: OK. yes let's let's schedule that appointment if you don't mind.

utterance: Absolutely I can do that for you. when.

utterance: Well, let me ask you first, would you like to have your appointment in person or online through a remote appointment?

utterance: I'd rather do it in in person.

utterance: OK. No problem, and when would you like. What date would you like to have that appointment on?

utterance: November the fifteenth of this year if that's possible.

utterance: OK. Let me check our schedules.

utterance: All right. Yes, we do have a few appointments open on the fifteenth. would you prefer a morning or afternoon appointment?

utterance: afternoon.

utterance: OK. looks like we have got appointments available at two thirty and three o'clock.

utterance: OK, and can you tell me the closest branch to where I'm located?

utterance: I I can, sir. one moment before I answer that. did you want the two thirty appointment or the three o'clock appointment on the fifteenth?

utterance: let's do two thirty.

utterance: OK. Two thirty, and then let me just finish out this form. what ZIP code are we . Is that appointment going to be in?

utterance: nine one three eight seven.

utterance: All right, that's nine one three eight seven.

utterance: Yes.

utterance: OK.

utterance: All right, I've got that appointment set up and then as for your second question, the closest branch Yes, what. Where would you like to search for a branch for?

utterance: Well, I'm located at seventy-six Sunbeam Drive, Canyon Country, California.

utterance: Nine one three eight seven.

utterance: Ok. let me see here.

utterance: Yes, our closest branch is going to be at one fifty-five Magnolia Avenue in Canyon Country, California.

utterance: OK, and is is that where I would go to speak with my tax specialist also?

utterance: we can have it at that branch if you would prefer or normally our tax specialist would meet you at your business address.

utterance: OK. OK. That. That's even better. my address is seventy-six Sunbeam Drive and that's in Canyon Country, California. Nine one three eight seven.

utterance: All right.

utterance: I have got that information filed here and have submitted that appointment. So we're all set for your tax specialist appointment on Monday November fifteenth at two thirty p.m..

utterance: All right, that sounds great.

utterance: All right, sir, and is there anything else that I can assist you with?

utterance: I can't think of anything.

utterance: OK. Well thank you for choosing Intellibank and you have a great afternoon.

utterance: All right. Thank you.

utterance: Thank you.


utterance: Good afternoon thank you so much for calling Intellibank where we value your business. My name is Sandra and I'll be assisting you on a recorded call for your security and customer satisfaction. How may I help you today?

utterance: Hi Sandra this is Kevin

utterance: Hi Kevin.

utterance: and I'm contacting you because I'd like to get. Well first of all before we jump into anything, how is your day today?

utterance: My day is going really well. how about you Kevin?

utterance: Where are you at? What part of the country you on?

utterance: Well we have call centers all over the United States but I'm speaking to you from Montana.

utterance: Oh you're in Montana, I've heard of Montana except I've never been How is Montana?

utterance: Yeah.

utterance: Yeah it's quite beautiful I mean we have our big cities like everyone else but we've also got beautiful mountains, rolling hills and the grass is still over here versus other places in the world.

utterance: The grass is green always in Montana it's a fantasy.

utterance: That's right

utterance: That's awesome. Great. I am in a very cool place in Arkansas.

utterance: Where are you?

utterance: Oh nice.

utterance: Little Rock.

utterance: Oh that's where our president Bill Clinton was from.

utterance: That's right.

utterance: Yeah I just watched a documentary about him.

utterance: What is. What's the name of the documentary?

utterance: Can't remember it but it was about well it was more about his more promiscuous days with a certain intern.

utterance: Oh.

utterance: OK with Monica?

utterance: With Monica Lewinsky yes yes and

utterance: Gotcha.

utterance: It was really interesting to to watch it but yeah. He rose up as a governor of Arkansas.

utterance: Wow.

utterance: Yeah.

utterance: Should.

utterance: Definitely look into that, Netflix?

utterance: that one was on Hulu.

utterance: OK, it. All right my dear, so I'd like to get a debt income ratio.

utterance: Yeah.

utterance: OK.

utterance: If you can pull up my account.

utterance: I sure can, I'll just need a little bit of basic info to pull your info up. Basic info to pull your info up, how about that? I just. I tend to repeat my words and I catch myself doing that. Silly me Kevin OK is that spelt K E V I N? And your last name please?

utterance: Long day

utterance: Uh-huh that's right.

utterance: Correra.

utterance: C A R R uh-huh E R A? OK great. And Kevin do you have a four digit number associated with your accounts?

utterance: That's right.

utterance: I do, six three one seven.

utterance: One seven. OK very good. And can you please verify your date of birth?

utterance: Uh-huh.

utterance: my yes my date of birth is four thirty-one seventy-eight.

utterance: OK. OK got that. Just one second my computer is freezing. Got it. OK. OK I do see you here, I do see that you have our business silver credit card, your checking account with us, the business preferred. I see you have our smart savings.

utterance: Uh-huh.

utterance: That's right.

utterance: And you also have your wealth management account.

utterance: Uh-huh Oh did I? I'm so sorry. I said I said April thirty-one. I meant thirty. I'm so it's just it's just like, it's crazy how that happened.

utterance: You know what? I.

utterance: No problem actually I Put that. I put in the thirtieth.

utterance: Uh-huh. Uh-huh.

utterance: Because I. I.

utterance: Figured you made that mistake, but I wasn't gonna point it out to you and your information did pull up. so I was able to verify that for you but yes I have those days too. OK so we are looking at your your income your debt income ratio.

utterance: OK.

utterance: Oh man.

utterance: Yes.

utterance: OK. And what what time period are you looking at? Are we looking at two quarters, are we looking at four quarters, or you let me know how I can check this for you.

utterance: Yeah

utterance: I think we're looking at. Let's see two four let's look let's let's look at four quarters.

utterance: OK great. And what I'll do is I'm gonna be giving these to you in two answers. I'll be looking at the last the last two quarters and then the previous two quarters OK. That's how it the system generates the information by.

utterance: OK. OK.

utterance: OK.

utterance: by I call it double digit quarters.

utterance: OK. OK.

utterance: All right.

utterance: and just to let you know what what I'm doing that is I'm looking at your company's monthly debt payment divided by your gross income we see generated here.

utterance: Uh huh.

utterance: OK great.

utterance: OK. so for the first for the most recent two quarters it looks like it it came in at eight percent.

utterance: Uh-huh.

utterance: Uh-huh.

utterance: and for the previous. Which is wonderful because anything under twenty percent is excellent for your credit and for the previous credit before that it was at nine percent.

utterance: Yeah.

utterance: Nine percent.

utterance: Yeah.

utterance: OK. Not too bad.

utterance: Yeah and we're I'm always happy to provide this information for you and just so know that you can always access us online as well.

utterance: OK great. Thank you so much. That answers all my questions.

utterance: Wonderful

utterance: Thank so much for calling Intellibank and have a great night.

utterance: You too. Bye bye.

utterance: Bye bye.


utterance: Hi. Thank you for calling Intellibank. My name is Georgina. How can I help you?

utterance: Hi, Georgina, I got a notice in the mail about about like an a fee rate increase, but I don't like I I don't really understand saying that like the the fee for having like under a certain amount in one of my accounts I'm gonna get charged something every month, unless I have a specific amount. I I just need to know what that is, so I can make an internal transfer or whatever I need to do to, but I don't know what account it is, what what is the policy savings or perhaps business checking account for minimum whatchamacallit?

utterance: OK, well, let me get your information and I'll look you up in our computer. What is your first name?

utterance: My name is Miles.

utterance: Can you spell that please, Miles.

utterance: M I L E S.

utterance: Great. What's your last name?

utterance: Kaska. K A S K A.

utterance: OK what's your date of birth?

utterance: Ten twenty-eight nineteen eighty-six.

utterance: OK what's your pin number?

utterance: Fourteen ninety-nine.

utterance: OK and what is your bank account number?

utterance: seven eight seven three seven seven eight five nine.

utterance: OK I think you're missing a couple numbers there. Would you. Do you have maybe another account that you want me to check? You wanna maybe start over?

utterance: yeah, seven eighty-seven three seven seven eight nine four one two.

utterance: OK.

utterance: Great, and just for security, what is your mother's maiden name?

utterance: Gregory.

utterance: Gregory. Could you spell that, please?

utterance: G R E G O R Y.

utterance: OK.

utterance: Her name.

utterance: Was Rebecca Gregory.

utterance: Great. Thank you.

utterance: She wrote

utterance: Novels in Maine. Anyway.

utterance: Wow, that's pretty.

utterance: Yeah.

utterance: That's interesting. Interesting family history there. OK so, I am inside your checking account. What information would you like me to provide with you?

utterance: So I I don't just don't know if I'm gonna get docked a fee at the end of the month, because I got this notice of a rate change for minimum amounts in accounts, and if that's the case then I'm gonna need to make an internal transfer or or perhaps a. No, a deposit maybe. I don't I, actually, I don't know. Will I need to deposit money right now? or if I. I I don't know. What do you suggest?

utterance: Well, the new policy just went into effect on the fifteenth, that all the account. The account you're referencing will have to have at least five thousand dollars in it at all times, or you will be getting a twelve ninety-five monthly fee. So, if you do not want that late fee, I'm looking at your checking account right now and it's four thousand three hundred and twenty five dollars and thirty-seven cents, so it sounds as if you'd like to transfer money so you don't get that fee.

utterance: Oh, I could do that? I could transfer? That might actually be easier than making a deposit right now. would be that'd be cool.

utterance: Right.

utterance: Yeah, you can transfer between accounts. So, would you. If you give me the information for your savings account I can check that balance for you.

utterance: Yeah, my savings account is two six eight nine eight seven eight nine seven. one two.

utterance: Great. OK all right, so in this account you have three thousand eight hundred twenty-five dollars and eighty-two cents, so please let me know how much you would like to transfer.

utterance: I think that You said I need to cover about six hundred dollars or so in my checking. I think it might be best to just go for an even thousand, just nice round number.

utterance: Yeah.

utterance: OK.

utterance: All right.

utterance: And.

utterance: yeah, I'll just transfer that into into checking, so as to avoid the late fee. Also, if I buy some coffee later or something, I won't go underneath the balance, right? Cuz that'd be stupid if I transferred just the right amount of money over to my checking account, and then I go buy an an egg McMuffin or something, and then boom, I'm under, and that egg Mc Muffin cost me an extra twelve ninety-nine. Are you kidding me? So, yeah, I need to definitely transfer a an even thousand to cover expenses.

utterance: Right.

utterance: OK that should cover you thousand dollars. So, I just wanna verify. We are transferring one thousand dollars out of your savings account into your checking account and then you will have a total of five thousand eighty-seven dollars and twenty-five cents.

utterance: That ought to work, yeah. That that should cover me for a while until I get the next deposit rolling in.

utterance: OK.

utterance: So

utterance: Yeah. Please do that.

utterance: Great. Thank you, and is there anything else I can help you with today, Joey?

utterance: No, I think that's that's about it. I appreciate it.

utterance: OK. My.

utterance: You ever swing by Fertatta's Tires in West Los Angeles, let me know. I will will give you a whole new set of whitewalls discount. I mean, I don't know where you're calling form but if you ever find yourself Frittata's Tires, that's us.

utterance: Oh.

utterance: Thank you so much. That is great. I'm actually not local, but thank you. And, once again, my name is Georgina and thank you for calling Intellibank today. Have a good day.

utterance: And to you, too.


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

utterance: Hi Daisy, I called this morning about making a wire transfer but I don't have all the information at hand but I have it all now and I'm ready.

utterance: OK. All right. I I will be happy to help you with that. let's go ahead and pull up your account. What is your full name and address, please?

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

utterance: Thank you, George. go ahead and verify for me your date of birth.

utterance: September twenty-first ninety ninety-nine.

utterance: What is your PIN number?

utterance: One six six two.

utterance: Thank you. And what is the account number that you'd like to withdraw these funds from?

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

utterance: Thank you. Your Intellibank business total checking account balance is eight thousand one hundred twenty-nine dollars and ninety-one cents. How much would you like to transfer?

utterance: I'd like to transfer one thousand nine hundred twenty-one dollars and thirty-three cents.

utterance: One nine two one and thirty-three cents.

utterance: That's right.

utterance: Thank you. is this a domestic or an international transfer?

utterance: Domestic.

utterance: And the routing number?

utterance: Nine eight two five four three six four four.

utterance: Thank you. And the account number please?

utterance: Seven four five six two eight nine nine one zero.

utterance: Thank you. One moment while I prepare this transfer. Before submission, I will ask I will go over and ask you to confirm the details.

utterance: OK.

utterance: I have George Emory is authorizing a domestic wire transfer in the amount of one thousand nine hundred twenty-one dollars and thirty-three cents from his Intellibank checking account number zero zero one six three nine two two one seven. We are sending these funds to another financial institution, routing number nine eight two five four three six four four and account number seven four five six two eight nine nine one zero. Does all of this information sound correct to you, George?

utterance: Yeah, that's right.

utterance: Thank you. I will go ahead and submit this and then in just a bit I will have a confirmation number ready for you to write down, if you'd like to.

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

utterance: My day is going pretty good. this is probably gonna be my last call of the day and I will be going out to dinner with my sister. I haven't seen her since before the pandemic started, and I'm really looking forward to that face-to-face time. How about you?

utterance: Oh, I totally understand that. I haven't seen my brother in what feels like years. It's been a really long year so I'm really glad that you're getting to spend time with family.

utterance: Yeah, thank you. I hope you get to spend time with your family soon too. It's hard to be apart like this.

utterance: Yeah, very hard.

utterance: I have your confirmation number ready.

utterance: OK, I'm ready.

utterance: It is nine nine one seven six two nine.

utterance: OK, I've got that.

utterance: And your new balance after sending that wire transfer is six thousand two hundred eight dollars and fifty-eight cents. Is there anything else I can help you with today, George?

utterance: Yeah, could you send that to my email?

utterance: Sure, I can send you a record of this whole transaction. It will include your prior balance, final balance, the number as far as the monetary amount that we sent through, it will not include account numbers and this is for personal protection of your personal data. Is that gonna be all right?

utterance: Yeah, that's all right, but I have my personal email listed in this account, but could you send it to my business email?

utterance: Yeah, just to confirm, we've got G Emory at Hotmail dot com. What would you like me to send it to?

utterance: It's G Emory Trades at Gmail dot com.

utterance: G E M O R Y T R A D E S at Gmail dot com?

utterance: Yes.

utterance: All right, George. You should receive that information very shortly. Is there anything else I can help you with?

utterance: No, that should do it.

utterance: OK, have a great evening, and thank you for choosing Intellibank.

utterance: Thanks, bye.

utterance: Bye.