utterance: Hello, thank you for calling Intellibank. My name is Marshall. May I help you?

utterance: yeah, I wanted to see if it was possible by just giving you a call, can I do a wire transfer?

utterance: Yes absolutely.

utterance: Great. and is there any fees for that?

utterance: Yes sir are you having a domestic or international wire transfer?

utterance: A domestic.

utterance: Yes sir it is thirty-five dollar wire transfer.

utterance: Oh thirty-five dollars?

utterance: Yes sir.

utterance: Anything you guys can do about that. I've been a customer for a very long time.

utterance: Yes sir, it's just an inescapable fee that we have. It's not even us that is making the fee, it's the company that we make the wire transfer through.

utterance: If I had a different type of account would that matter at all?

utterance: No sir, it's just an unavoidable cost that we have to all deal with unfortunately.

utterance: Are there fees online as well or just by doing this on the phone?

utterance: We'll unfortunately we can not make wire transfers online. You have to speak with an agent. so what you'd do is to go into the bank branch or you'd have to speak through me but

utterance: Got it.

utterance: But everything else, your online services everything else like I can do online if I I've never used it before to be completely honest with ya.

utterance: Yes sir, pretty much everything you need just and you know you can check your balance, you can transfer money between your own accounts You can even send payments through Zelle and other services like this but unfortunately for large wire transfers there is the thirty-five dollar fee.

utterance: I gotcha.

utterance: Oh.

utterance: All right, yeah I'll go ahead and do it.

utterance: OK great, can I get your name please sir?

utterance: yeah. My name is Randy Washington. My date of birth is five twenty seventy-seven. I'm from Sioux Falls Minnesota.

utterance: All right.

utterance: my number is eight three two nine seven eight five three five three.

utterance: Mhm.

utterance: All right thank you Mr. Washington, I don't need all that information but I did need your birthday which you said but I unfortunately did not get it down in time.

utterance: Oh, sorry about that.

utterance: Can you say it one more time?

utterance: Yeah it's five twenty seventy-seven.

utterance: Five twenty, that's May twenty nineteen seventy-seven.

utterance: That's correct yes.

utterance: Excellent can I get your pin number please Mr. Washington?

utterance: yeah, it's six four six five.

utterance: OK. and one more oh no, you already gave me your date of birth. Thank you for thinking ahead like that.

utterance: I try I try I try to have all this information ready. You never know what you guys are gonna gonna ask for.

utterance: Well we appreciate it. So what I will need is oh looks like you just have one account with us.

utterance: Yes.

utterance: how much money are you looking to transfer?

utterance: five thousand.

utterance: OK excellent.

utterance: My stupid kid stuck he traveling cross county, ran out of money doesn't have anything to eat needs to get back here the whole things a mess, took his car, shouldn't have taken his own care, knew the thing was gonna break down now he's out in the middle of no where needs money to fix the car, needs money to get home. The whole thing is ridiculous.

utterance: Mhm.

utterance: Mm.

utterance: Mm.

utterance: OK, it's.

utterance: And it's

utterance: Costing me thirty-five bucks on top of the five grand.

utterance: Oh no, yeah sorry about that sir but do you know what state he's in now? Is he close to one of his bank branches or are you doing this through a Western Union?

utterance: No, we're gonna go and do this to his Bank of America account.

utterance: OK so he will be able to get to his bank and.

utterance: Oh yeah he has all of his info with him, just yeah that'll that'll be fine.

utterance: OK great.

utterance: do you need his account number?

utterance: I do but first it'd be helpful if we can get the routing number first.

utterance: Oh sure that's three two three zero seven five five oh six. can you read that back to me?

utterance: Of course, it is three two three zero seven five five zero six.

utterance: You got it.

utterance: All right and can I get the account number please?

utterance: yes, seven two three nine.

utterance: Mhm.

utterance: Five eight six two five three seven eight.

utterance: OK I just wanna make sure that I read this one back cuz I you said that really quickly and I couldn't catch up. .

utterance: sorry about that.

utterance: I appreciate yeah. What. What do we got?

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

utterance: That's it.

utterance: All right excellent. so we're going to be transferring five thousand and looks like we already have communication with Bank of America, it should be pretty quick transfer so he should have the money within an hour.

utterance: Fantastic!

utterance: So we sent that off is there anything else that you need Mr. Washington?

utterance: I don't think so. You were very helpful. Thank you so much. I'm glad we could take care of this.

utterance: Excellent, I'm glad we could help and please call us back if you need anything else and have a great day.

utterance: Will do. You too. Thank you.

utterance: Thank you.


speaker_role: Customer

utterance: OK.

speaker_role: Agent

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

utterance: Yes I have a business checking account and I'm outta checks and I need to pay the electric bill.

utterance: OK I meant to pull your account up. Can I have your first and last name please?

utterance: my first name is Tammy Couch.

utterance: Can you spell your last name?

utterance: C O U C H.

utterance: Great thank you and can I have your mailing address please?

utterance: It is eighteen thirty-five Rice Boulevard Fairborn Ohio four five three two four.

utterance: Thank you. go ahead and give me your date of birth if you would.

utterance: It is May ninth nineteen sixty.

utterance: Thank you and your social security number?

utterance: Two six nine six eight four three seven three.

utterance: Great and your driver's license number.

utterance: S T two eight zero eight eight one.

utterance: Thank you. What state was that driver's license issued in?

utterance: Ohio.

utterance: Great and I need your customer PIN number please.

utterance: It's five seven zero seven seven one.

utterance: Great thank you and just for security purposes I need the answer to your security question which could be your mother's maiden name or a pet's name.

utterance: Winn.

utterance: OK can you spell that just to verify?

utterance: W I N N.

utterance: Thank you. And I have here that your business here is Brass and Chain.

utterance: Yes.

utterance: And you are the sole owner of that business?

utterance: Yes.

utterance: Could you give me the business established date?

utterance: January first twenty twenty.

utterance: Thank you. All right so I understand that you need to order some checks.

utterance: Yes.

utterance: And do you need the expedited? It sounded like it was pretty important.

utterance: Yes.

utterance: OK well I can do that for you. Can you tell me how many checks you'd like to order. They come in boxes of ten so any amount of ten you can get.

utterance: Well then I need two boxes.

utterance: So you want twenty checks?

utterance: Yes.

utterance: OK you can get up to a hundred boxes up to a hundred checks inside per box. in the amount of tens.

utterance: I want a hundred in the box and two boxes.

utterance: OK, we can definitely do that. So I need to know what mailing address you would like me to ship those to. If you could give me the street address.

utterance: well just send it to my business. It's seventeen oh eight Montgomery Avenue.

utterance: OK and what city is that in?

utterance: Fairborn Ohio.

utterance: Could you spell the city for me please?

utterance: F like Frank A I R B O R N.

utterance: Thank you and that was in Ohio. What's that ZIP code?

utterance: Four five three two four.

utterance: Great thank you. So we're going to order two hundred checks and the and that'll be two boxes of checks in with a hundred in each box is that correct?

utterance: Yes.

utterance: And we're gonna expedite that so that will take it from down from a week to get those checks to overnight shipping.

utterance: OK.

utterance: There is a cost of thirty dollars to add the overnight shipping is that OK?

utterance: That's fine. What is the total cost?

utterance: So the total total cost with be fifty-four dollars and thirty cents.

utterance: OK.

utterance: But for this first time we're gonna go ahead and waive that expedited fee.

utterance: OK thank you.

utterance: You're welcome. So I need to know one other thing. these all going to the same address or do you need checks sent to multiple offices?

utterance: Just the same address.

utterance: OK. That sounds good. All right is there anything else I can send out for you or do for you?

utterance: yeah can you tell me how to order the checks myself?

utterance: next time?

utterance: Sure so next time if you. Do you have actually do you have online banking set up with us?

utterance: Not yet.

utterance: OK so you can go to W W W dot Intellibank dot com and click on online banking tab and under online banking there's a register option so you'll click that and then it'll ask you for your name, it'll ask you for your date of birth, it your business address, your social security number, customer PIN number.

utterance: OK.

utterance: and then after you enter that information it'll ask you your security question just to verify your identity and then you'll have access to all your accounts. and your transaction information. And so to order new checks at the top it says order. There's an order tab and you will click on order and then you can select what type of checks you want if like there's a specialty or there's just the plain checks like we're ordering today, how many checks you'd like where you would like the checks to go and how fast you would like to get them.

utterance: OK.

utterance: OK.

utterance: OK.

utterance: And when you place the order that way the money comes directly out of your checking account just like it does over the phone.

utterance: If the checks are not expedited.

utterance: Expedited, how long does it normally take to get them?

utterance: Five to seven business days.

utterance: OK.

utterance: OK and then you can also if you have trouble with that call us back here at any time and we can order them here for you or give you help ordering them online if you need again.

utterance: OK thank you.

utterance: You're very welcome. Is there anything else I can help you with today?

utterance: No.

utterance: All right well you have a great day.

utterance: You too.

utterance: Thank you. Bye bye.

utterance: Bye.


utterance: Hello thank you for calling Intellibank. This is Joseph. How may I be of service to you today?

utterance: Hey, Joseph yeah. Small request, nothing to wild. I'm just gonna need to change our street address with you guys. a lot a stuff happened back home. needless to say this is kind of imperative but but no. I don't wanna borden you with this. But my kid got in a fight and like he really really messed up the other kid. small trial. went kind of regional news was picked it up. but post that we've just became local celebrities or locally infamous and now it looks like we're just needing to you know, find a change if scenery. Move move move out of that area and have a fresh start. Yeah. Yeah it was. It was some heavy heavy times definitely.

utterance: I am I'm very sorry to hear that have you already moved? Do you have a new street address?

utterance: we're in the process right now. I'm actually calling you from the. From the. From our SUV right now as we're. We're we're driving over to To Texas. We we're moving out of Georgia.

utterance: OK. So you just need to do and your update your. You just need to update your street address today Is that correct?

utterance: yeah. That's correct.

utterance: All right. Well let's go ahead and start by pulling up your account.

utterance: OK.

utterance: So to do that I'm gonna need your full first and last name, as it appears on the account and I'm gonna need your date of birth.

utterance: OK, yeah. No problem. Jim Charles. date of birth is February seventeenth nineteen eighty-five. our previous address was one seven eight.

utterance: Not quite ready for that yet hang tight we'll we will get to that in a moment.

utterance: OK.

utterance: but for now what I do need is your account number and your pin.

utterance: OK. Account number one four five three pin is Sorry one four five three three two. Apologies and the pin is nine seven one seven.

utterance: We're missing one more number on that account number.

utterance: OK. Excuse me. It's one four five three one seven.

utterance: All right. Got that seven in there. That is correct and then what was that pin number once again?

utterance: that was four one three seven. I believe.

utterance: All right. That has gotten us into your account and it looks here like you have our premier business checking account and you've been a customer for five years and we greatly appreciate that. to update your street Your. Your street account. Look at me. Just yeah. It's the end of the day getting all goobly. Sorry about that. to update your street address on this account. What we're gonna need to do. Is your gonna have to give me a couple of answers to some of these security answers. If you don't mind. Starting off. What is your mother's maiden name?

utterance: Andrews.

utterance: and what was your first pets name?

utterance: Garfield.

utterance: and what was your street, growing up?

utterance: My street growing up. I don't even remember Seven one eight.

utterance: I just need the name of the street actually.

utterance: Oh just the name not the full address. OK.

utterance: Unless it was seven one eight Street.

utterance: I wish. It was Actually, yes. Seven one eight West twenty-fourth Street.

utterance: So West twenty-fourth Street is the is the street? OK. Great. All right. OK. This is gonna be easy to do here. I'm just gonna need the previous address that you were at street address. state, zip, whole. the whole nine yards.

utterance: OK. Perfect. previous address is one seven eight four what was it Garnett Lane. Excuse me, apologies. Acworth Georgia. one one seven eight four.

utterance: Great. That is what we have on file here and what is the address that you would like me to update this to?

utterance: two three seven one West eighteenth Street unit five. Dallas Texas seven one one two four.

utterance: All right. I have gone ahead and your street address to Dallas Texas. Is there anything else I can help you with today?

utterance: now this goes through immediately?

utterance: This is already changed.

utterance: Oh. Excellent and there no no alerts around city. There's no mails into my old address. That anyone could find to

utterance: Not as far as the bank is concerned But I can't gaurantee that any other mail hasn't been sent to your account.

utterance: OK. OK. I think we have a few friends out there that may be help us out. If something is sent that way.

utterance: do you have questions about anything other than your change of address?

utterance: no. That's all.

utterance: Well if there's nothing I can help. Nothing more I can help you with today, then thank you for calling Intellibank and have a lovely rest of your day.

utterance: Thank you. You too.


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

utterance: Yes, so I'm trying to figure out some business expenses for the moment. I don't know if I have spent more on our company credit card this month than I normally do. So I need to find out how that has changed my budget.

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

utterance: It's Jill Baker.

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

utterance: Please, just call me Jill.

utterance: OK and what kind of account do you have with Intellibank?

utterance: So, I have the business black credit card.

utterance: All right, Jill. Intellibank does not have a black card. Do you could you possibly be referring to our Intellibank business platinum card or a gold card or a silver card?

utterance: yeah, it's a platinum card. I'm sorry, that's what I meant, I didn't mean to say black.

utterance: That's OK. So you are wanting to see what your current payment is on your credit card. Is that correct?

utterance: Yes, and like I've said, I spent a lot and I know it's probably a lot more than it normally is. I just need to check.

utterance: No problem. what is your credit card or account number?

utterance: If you give me just a second, I'll grab that from my wallet. Hold on one second. OK. So my credit card number is three four six zero two nine nine eight and then my social that seven four eight nine zero three nine eight four.

utterance: OK, thank you, Jill. I'm just gonna need your credit card number for now. what is the name of the business?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

utterance: OK, and so the account has a four digit PIN number on it. Could you share that PIN number with me as well?

utterance: Yes, so that's six four seven eight.

utterance: OK. So it looks like you have an available balance on your credit card of nine thousand nine hundred dollars and thirty cents. And then your next payment due on October thirtieth is four hundred and two dollars and twelve cents. was that all you needed?

utterance: yes, thank you.

utterance: Did you have any other card you want me to check check for you?

utterance: No, that's the only one I have with Intellibank. But can I ask you real quick? are you able to pay that credit card through your online banking account?

utterance: Yeah, Jill, so you can view your balances and payment due and make that payment through the online banking portal. Do you currently have access to your to our online banking account? I can walk you through that if you do.

utterance: Yes, if you give me just a second, I'm gonna pull it up on my computer here. Hold on one second for me, OK? OK OK, so I'm in there.

utterance: OK, so if you go to the top of the page like if you if you're logged in and you scroll to the top of the page. You will see that there's some tabs at the top. One says like account, one says options, and one says cards. So, if you see the one that says cards, if you click on that, it should give you a little dropdown that says credit or debit on it. We you will need to choose that credit card. Do you see that?

utterance: Yes, I see it.

utterance: OK, so if you click on the credit card dropdown, it should pull your credit card account with your available balance up. And if you go to the very bottom of that page, you'll see that it's got your balance due on it. And it should also give you a little option it's a blue button that says pay. Do you see that?

utterance: I do.

utterance: Yeah, so if you click on that, then it should give you some different options how to pay and it also gives you an option on there to just transfer the money directly if you have a checking or a business account. it gives you the option to just to transfer that directly from one account to the other one.

utterance: Sounds really easy. I appreciate that.

utterance: OK. So is there anything else that I might be able to help you with today?

utterance: No, so can you just one more time tell me what my balance is. I'm I'm sorry about that. you said it was four hundred dollars, is that correct?

utterance: No, so your balance was. You credit card available balance was actually nine thousand nine hundred and thirty dollars. and then your next payment that's due that's four hundred and two dollars and twelve cents. Were you wanting how much you owed on the card?

utterance: Yes, if you could tell me that information. I just need to know how much I've spent, I guess is what I'm looking for.

utterance: All right. So it looks like It looks like. So you have available balance of nine thousand nine hundred and thirty dollars but you have a balance on the card that's been spent of fourteen thousand three hundred and twelve dollars. So have you. If you're wanting me to do just to do a quick generate of how much you've spent in the last month. So looks like your credit card payment went up about twenty-three dollars from your last month. And it looks like you've spent about fourteen hundred dollars since your last billing cycle.

utterance: OK, so four hundred and two dollars and twelve cents is what it'll be as long as I don't buy anything else from the account.

utterance: Yeah, so as long as you don't use your credit card again then it should be around that four hundred and two dollars and twelve cents. Now if you make a payment and and that reduces the balance owed then obviously that's gonna reduce your payment some too. but yeah it should be right around that four hundred and two dollars and twelve cents. Was there anything else I could do for you today, Jill?

utterance: No, I think that's it. I appreciate it. I'm sorry for all the questions.

utterance: That's no problem at all. Thank you for choosing Intellibank. You have a great day.


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

utterance: Good morning. I would like to apply for a corporate credit card.

utterance: I can certainly process that corporate credit card application over the phone with you today sir, but first I'll need to get a little bit of information so that I can go ahead and set you up in our system if you don't mind?

utterance: I don't mind.

utterance: OK sir. First of all, can I have your first and last name please?

utterance: Yes. My name is William Gracen.

utterance: Hello Mr. Gracen thank you for that, and could I have your street address including the city, state, and ZIP code?

utterance: Yes. My street address is thirty-five seventy-eight Clinton Drive City of Little Rock Arkansas. ZIP code seven two two one one.

utterance: OK. You said thirty-five seventy-eight Clinton Drive in Little Rock Arkansas seven two two one one?

utterance: Yes.

utterance: All right sir. Could you give me your social security number please?

utterance: Yes. My social security number is four three two eight six three nine six nine.

utterance: OK. Again that number was four three two eight six three nine six nine correct?

utterance: Correct.

utterance: OK sir. And could you tell me your driver's license number please?

utterance: Driver license number is four eight two two one nine one nine four.

utterance: OK. You said that number was four eight two two one nine one nine four?

utterance: Yes.

utterance: And what state was that for sir?

utterance: Arkansas.

utterance: All right. Now could you give me the PIN number associated with your account on file for authentication purposes please?

utterance: Yes my PIN number is thirty-five eleven just a minute, that's my old PIN number. my correct PIN number is fifty-five twenty-three.

utterance: All right sir. Thank you very much. It is showing in the system that number fifty-five twenty-three, so thank you for authenticating that. All right sir. Could you give me the email address you'd like associated with this application?

utterance: Gracen W S A S twenty ten at Gmail dot com.

utterance: OK. So you say Gracen W S A S two zero one zero at Gmail dot com?

utterance: Yes.

utterance: All right. Thank you so much sir. And could you give me the name of your business please?

utterance: Shocks auto supply.

utterance: OK. Is that Shocks auto supply sir?

utterance: Yes.

utterance: All right thank you so much sir. And are you the sole owner of this business?

utterance: Yes I am the sole owner of this business.

utterance: OK. And could you tell me the business date establish sir?

utterance: Nine five two thousand ten.

utterance: All right sir, and could you next tell me your gross annual sales please?

utterance: Three hundred at three hundred and thirty-five thousand.

utterance: OK. There's three hundred and thirty-five thousand in gross sales?

utterance: Yes.

utterance: All right thank you sir. And could you next give me your tax ID number?

utterance: I guess my tax ID number is five six five four three four six six zero.

utterance: OK sir that number was five six five four three four six six zero.

utterance: Yes.

utterance: All right thank you sir. And could you give me the business address please?

utterance: Yes the business address is five five one Lincoln Drive.

utterance: All right. That was five five one Lincoln Drive?

utterance: Yes.

utterance: OK and the city sir?

utterance: Little rock.

utterance: And the state?

utterance: Arkansas.

utterance: And could you tell me the ZIP please?

utterance: Seven two two one one.

utterance: All right sir. Thank you so much for that. And how would like your mail sent out, would you like this sent to your home or business address on file?

utterance: Home please.

utterance: OK sir. Could you please verify that home address you have listed?

utterance: Thirty-five seventy-eight Clinton Clinton Street.

utterance: All right. City sir?

utterance: Little rock.

utterance: Street?

utterance: Arkansas.

utterance: And

utterance: The ZIP code please?

utterance: Seven two two one one.

utterance: OK thank you so much for verifying all that information, sir. Now next I will need the credit card type, but let me give you a little bit of information about those please? Right now we offer the Intellibank business platinum card platinum card. It is a two percent cash back on all purchases card but that requires a one hundred annual fee. We also offer the Intellibank business gold card which offers ten percent cash on on gas and groceries and no annual fee. We also offer the business silver card sir. There is no cash back on that one but it also has no annual fee. So which card would like to apply for today?

utterance: OK.

utterance: the business platinum card please?

utterance: OK. So you would like to apply for the Intellibank business platinum card.

utterance: Yes.

utterance: OK sir. I'll process your application. Could you give me just one moment while I process this corporate credit card application please?

utterance: Yes. thank you. I hope this I hope this process before my business trip abroad. Have you ever been to Italy?

utterance: Oh no sir. I haven't been to Italy, it is on my bucket list however I'm. I have a feeling I won't be able to get through this bucket list until I'm at least retired though.

utterance: it still be there.

utterance: Absolutely I was so I hope it will be there. OK. So that's where you gonna go on your business trip?

utterance: Oh yes.

utterance: All right. I hope you enjoy for both of us then sir.

utterance: Sure will.

utterance: All right sir. looks like Mr. Grayson I've gone ahead and put all that information in our system. We're gonna need a little bit of supporting business documentation from you, so feel free to send that in to us via email or mail, or you can also fax that would be the best bet, because that can get to us as soon as possible. That way we can get the result back to you as quickly as he can sir.

utterance: All right.

utterance: All right. Is there anything else I can do for you today sir?

utterance: no. That sounds. I think It sounds good to me.

utterance: All right. Thank you so much for your time and patience sir. Again my name was Cassandra and I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you sir. bye bye.

utterance: Bye bye.


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

utterance: Yeah, so I inherited some bonds from my late grandmother, and I wanted to check the yield on those.

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

utterance: It's Jill Baker.

utterance: And do you prefer that I call you Jill, or Miss Baker?

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

utterance: All right Jill, so, let me understand you correctly, you have inherited some bonds, and you're wanting to find out the amount the bond will return, over the course of the life of the return is that correct?

utterance: yeah, so basically the yield, yes that's exactly what I'm asking.

utterance: All right Jill, so do you have an account with Intellibank?

utterance: I do I have several.

utterance: All right, so I'm gonna get some information from you. What is your main account number?

utterance: Can you give me just a second to grab it. Give me one second and to grab my cheque book. So, it's three, four, six, zero, two, nine, nine, eight.

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

utterance: Yeah, so it's Johnson controls.

utterance: OK, and Jill, what is your date of birth, and social security number?

utterance: So my date of birth is March second of nineteen eighty. Then my social is seven, three, eight, zero, two, zero, seven, eight, three.

utterance: All right, and it looks like your account has a four digit PIN number on it. Could you also share that PIN number with me, for security purposes?

utterance: Yes, so that's six, four, seven, eight.

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

utterance: Oh, I'm in Kansas City, Missouri.

utterance: OK, and can you give me the street address there?

utterance: Yeah, so it's two, two, zero, Hoover Road, and it's Kansas City, seven, three, eight, two, zero.

utterance: OK, and Jill, can I also confirm your email address, for you?

utterance: Yes,

utterance: I just. Actually yeah, yeah, I just wanna confirm real quick that it's still J Baker at Johnson controls dot com, is that correct?

utterance: Yeah, it's J as in Jill Baker at Johnson controls dot com, that's correct.

utterance: OK, and what type of bond do you have?

utterance: It's a treasury bond.

utterance: All right, and then do you know how long you anticipate keeping this bond?

utterance: So, my grandmother she had it for like twenty years. So, I'd like to at least keep it until I retire. So, maybe another fifteen years if possible?

utterance: All right, so we're looking at a thirty-five year yield on that. Gimme just a second OK?

utterance: OK, will you be able to tell me what the yield is on that? And can you kind of explain then, what a yield means as well?

utterance: Yeah, give me just a second to run this for you OK?

utterance: OK, are you in Kansas City?

utterance: Yeah I am.

utterance: Is it snowing where you are?

utterance: No it's not snowing right at the moment, but it is very cold here.

utterance: OK, well I'm actually in, in Denver, right at the moment. I've I've been here for the last few days, I was supposed to fly out two days ago, but because of the weather they keep grounding flights. So, Was just curious, what it was doing there in Missouri.

utterance: Yeah, well I'm, I'm sorry to hear that you're, you're grounded in Denver. Right here it's just been kind of It's just been kind of, You know just dusting a little bit. Light dusting of snow. nothing major. It, it has been very cold, but we haven't seen any kind of, any kind of ice or anything like that at this time anyways. And I haven't seen anything in the forecast that said it was coming.

utterance: OK, well, I'm, I'm ready to come home, but I don't want to, you know leave here and kind of run into the same situation, when it came in to coming back in to Missouri, so I'm glad to hear it's not doing anything too terrible there.

utterance: Yeah, well hopefully it clears up soon, and that you're able to get back home, and that weathers till good here. Jill, so the yield on a treasury bond with an estimated thirty-five year would give you a return of about twenty-four percent. So, I just wanna explain to you your second question, which was a treasury bond yield is essentially just the amount that the bond will return over the life of the bond. So it's it's essentially, it's essentially that amount that you're making off of that bond, over the course of having that bond.

utterance: OK, can you tell me, do people ever cash out their bond to invest or buy shares?

utterance: So, are you asking if people ever, essentially just take their bond and, and buy are share, or, or a stock with that bond?

utterance: Yeah, is that possible?

utterance: No, so you would actually have to cash that bond out and then use those funds for investment. It's not possible to transfer the bond itself over for exchanging and buying of, buying of stock. So you'd, you'd still have to cash that out someway of another in order to buy that stock.

utterance: OK, so another question. So is the yield and the bond guaranteed to be larger if I don't cash it out for a few more years?

utterance: Yeah, so the longer that you leave the bond, generally the higher the yield is. Cashing it out early would likely cost you on the loan. So anytime your, your leaving something, kind of sitting, and, and generating that interest and and all that, it's automatically gonna be a little bit higher from you. So, there's obviously variations in the market that will sometimes affect that. so your stock value is not always going to be the same everyday. But generally the longer you leave it in there, if you can pull it out at the right time, you're gonna, you're gonna come back with a higher yield on that.

utterance: OK, one last question. Can you move a bond from bank to bank?

utterance: Yeah, so the bond itself is not covered by any banks. So it's not like a loan that, that's covering that, that bond. Treasury bonds are issued by the federal government. The government backs them by full faith and credit. So if you're asking about the paperwork associated with the bond, and where that can be held, because that's normally held in a security box. You know a bank security box, or by a financial advisor. And then that can be transferred, the paperwork for that, that bond. That can be transferred, to different institutes and different banks. So that's possible. But the bond itself, is not, it's not, it's not actually covered by any bank.

utterance: OK, thank you, that all makes sense. I appreciate it.

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

utterance: No, I think that's everything Brenda, you have been very, very helpful.

utterance: All right Jill, well I wanna thank you for choosing Intellibank, and tell you to enjoy your day.


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

utterance: yes. I just started a new line of credit for my company and and I wanted to find more information of what your company offer in terms of financing I have some business expenses that I wanted to make sure I have time to cover but really but really didn't know but really didn't need a huge S B C loan. I don't mind paying it over time, however. Do you offer anything like that? Can I apply over the phone?

utterance: yes sir, we do offer different loans and you can apply for those loan or any type of financing over the phone with me. So sir, you said you didn't want an S B A five oh four or seven A loan?

utterance: Yes.

utterance: OK, sir. So well sir, we do offer a line of credit and the line of credit is limited to the amount you're approved for. You can request a certain amount but when you pay that back you can pay it over time and the interest, interest isn't going to be charged for the entire amount, it's just gonna be charged for whatever amount you're using.

utterance: OK.

utterance: OK sir, so would you like to apply for the line of credit today?

utterance: Yes, please.

utterance: All right.

utterance: Sir. I'll. I'll need to get some information from you so that I could go ahead and process this credit request in our system if you don't mind?

utterance: I don't mind.

utterance: All right sir, first last name.

utterance: Yes. My name is William Grayson.

utterance: All right Mr. Grayson, could you next give me your street address, including the city, state and ZIP code?

utterance: Yes. My street address is thirty-five seventy-eight Clinton Street. city Little Rock State Arkansas. ZIP code seven two two one one.

utterance: All right sir. To clarify, that was thirty-five seventy-eight Clinton Street, in Little Rock, Arkansas. Seven two two one one is the ZIP?

utterance: Yes.

utterance: All right sir, thank you so much for that. And can I next get your social security number?

utterance: Social security number is four three two eight six three nine six nine.

utterance: OK sir. You said four three two eight six three nine six nine?

utterance: Yes.

utterance: All right, thank you so much sir. And could I have your driver's license number now please?

utterance: Yes. Can you hold on, I need to run and go get that real quick?

utterance: Why certainly sir. Take your time.

utterance: All right.

utterance: Thank you there.

utterance: All right.

utterance: OK sir. Go right ahead with that number.

utterance: My driver license number is four eight two two one nine one nine four.

utterance: OK. And what state was that, sir?

utterance: It's in the state of Arkansas.

utterance: All right. That number was four eight two two one nine one nine four in Arkansas, sir?

utterance: Yes, ma'am.

utterance: OK sir. And could you give me the PIN of your account with us for authentication purposes?

utterance: yes. I changed that PIN, I don't know if it changed in your file yet? my old one was four three one one and and the one I changed to is five five two three.

utterance: Yes, sir, it actually has been changed in our system to five five two three so you can make a note of that for future reference.

utterance: All right thank you.

utterance: All right, sir. And can I next have your email address you'd like to on file with us?

utterance: Yes. The email is Grayson W W S A S twenty ten at Gmail dot com.

utterance: All right Mr. Grayson. Could I next have your business name, please?

utterance: Yes. Shucks Auto Supplies.

utterance: All right, Shucks Auto Supply.

utterance: Yes.

utterance: And are you the sole owner of this business, sir?

utterance: Yes, ma'am.

utterance: And when was this business established?

utterance: On the ninth five of two thousand ten.

utterance: All right sir. You said September fifth twenty ten?

utterance: Yes, ma'am.

utterance: Thank.

utterance: You, sir. And what is your gross annual sales?

utterance: Two hundred twenty-five thousand.

utterance: All right sir. And could you give me your tax ID next?

utterance: Tax ID is five six five four three four six six zero.

utterance: All right sir. Thank you for that. And could you also give me your business address please?

utterance: Yes. Five fifty-one Lincoln Drive.

utterance: The city?

utterance: Little Rock.

utterance: And the state, sir?

utterance: Arkansas.

utterance: And what's that ZIP code?

utterance: Seven two two one one.

utterance: Thank you so much, sir. And how would you like your mail processed through us? Would you like that sent to your home or business address?

utterance: business please.

utterance: OK, sir. Could you verify that business address for me please?

utterance: Yes. Business address is five five one Lincoln Drive.

utterance: And the city, state and ZIP?

utterance: Little Rock, Arkansas seven two two one one.

utterance: All right. Thank you so much for that information sir. And what is the purpose for this line of credit sir?

utterance: I would like to do a equipment purchase.

utterance: All right sir. And what is the credit limit you would like to request?

utterance: credit limit twenty-five thousand.

utterance: OK sir. So you would like a credit limit of twenty-five thousand for this line of credit?

utterance: Yes ma'am.

utterance: OK sir. Can you hold on for one moment while I complete your credit application please?

utterance: All right. Thank you Cassandra.

utterance: so, so have they been working you hard today?

utterance: no sir, they haven't. I've actually been having a pretty good day today. I've just gotten done with some of my paperwork for the rest of the week, so I've actually been pretty progressive today.

utterance: Well, that's good.

utterance: All right. how've you been today, sir?

utterance: Well I've been working hard at it.

utterance: All right. That sounds good, sir. I probably should be working a little bit harder myself!

utterance: All Mr. Grayson I've gone ahead and submitted your application for a line of credit in our system. We're gonna first need some more supporting business documents from you in order to complete the process of this application. We will send you a email to verify this application in our system, and that email will give you some additional information and a list of the business documents we'll need so you can go ahead and send those to us via email. You can also upload them through your online bank account. You also can go ahead and fax us to fax them to us as well. That would be the fastest route to get that information to us. as soon as we get that information we'll go ahead and process your application, to you with the results sir.

utterance: OK. Thank you.

utterance: All right Mr. Grayson. Is there anything else I can do for you today?

utterance: That'll be it.

utterance: All right. Thank you sir for your time and your patience. Again, my name was Cassandra and I hope you enjoy the rest of your day.

utterance: Thank you!

utterance: Thank you too, sir! Bye bye.

utterance: Bye.


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

utterance: How you doing Jerry? I had account with you all, I got a employee I want add to my credit card account.

utterance: Could you help me with that?

utterance: Sure. and you said you have a credit card account with us?

utterance: Yeah, I got a diamond card.

utterance: Oh, OK. Terrific, terrific.

utterance: And if I could just ask sir. What's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, let me ask. What's the name of your business?

utterance: Ray's construction company.

utterance: All right. And what I'm gonna do is just ask of a little bit of information to be able to pull up your account. And see exactly what type of account you have so we can get this added this person added get the new card for you.

utterance: OK. That'll be fine.

utterance: first of all, what is your date of birth?

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

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

utterance: All right. And what is your credit card number?

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

utterance: OK. And what is your PIN number?

utterance: Oh, my PIN number is one seven nine five.

utterance: All right. One moment here Mr. Freeman, let me see if I can get you pulled up here and yeah, all right. Looks like you indeed do have a business preferred card with us.

utterance: and pardon me, business platinum account with us. And with your platinum card you're mentioning that you're wanting to go ahead and add a user and get a new card for them.

utterance: That's correct.

utterance: Yes, employee that proven to be loyal to the company and me so they earn this right to have a card when they out, instead of calling back for reference.

utterance: OK. Well sounds great, sounds like you got a employee there that you trust. And and they've earn your trust and you're willing to get them a card so they can be more efficient with their time and with taking care of your business.

utterance: Oh yeah, they can go buy lunch, buy people lunch when they're out you know to maybe convince them to patronize the business.

utterance: Sounds like a smart plan there Mr. Freeman.

utterance: Oh yeah. Just just don't buy no don't buy too much food. Keep it down.

utterance: I I'm sure you'll keep those accounting measures in place.

utterance: Oh yeah, I'll be watching the numbers.

utterance: Indeed, indeed, well Mr. Freeman, we can certainly go ahead and get this done for you. I'm just gonna ask you a little bit of information so that we can go ahead and get this person added and get them a card. First of all, what is the name of the person?

utterance: His name is David Mitchel.

utterance: OK, and for Mr. Mitchel. What is his social security number?

utterance: His social security number is one three five seven eight eighty-two sixty-eight.

utterance: And what is the shipping address that she want the card send to?

utterance: Oh, send the card to three six eight eight Layman Court, Smyrna, Georgia three zero zero eight zero.

utterance: OK. And what is his death of birth?

utterance: seven nine nineteen ninety.

utterance: All right. And what is the amount of the credit limit that you want to authorize for him?

utterance: just fifteen thousand.

utterance: All right.

utterance: And what is the PIN number that you wish to assign to him?

utterance: His PIN number gonna be two two zero one.

utterance: All right. And what is his personal address?

utterance: Oh, his personal address. Hang on let me see .

utterance: Oh, his personal address is his personal address is ninety-seven fifteen Layman Court, Smyrna, Georgia three zero zero eight zero.

utterance: OK. Terrific, terrific. And Mr. Freeman what I've done here is go on ahead and added him so that a new card a new card business platinum card will be sent out to him. At the address that you have given us, the shipping address.

utterance: Yes, sir. Thank you that been just as soon it come to me first then I give it to him.

utterance: makes total sense to me.

utterance: He wanna know what the what the limit is, but he won't know it's that high.

utterance: I don't expect it to get spent up neither.

utterance: There you go, there you go. Well Mr. Freeman. Is there anything else I can assist you with?

utterance: Oh, no, no, That, that will be all, I appreciate that. That's, that's good I want to get him something in his pocket so looking crazy, you know. He seems very productive and I wanna support that energy.

utterance: We're glad that we're able to assist you with your card needs and glad that we're be able to of course continue doing business with you.

utterance: Oh, thank you. I appreciate that. You made all the requirements that I want done today and I'm very happy. Thank you.

utterance: Well, Mr. Freeman. we certainly appreciate the business.

utterance: Thank you.

utterance: You have a great day.

utterance: You too. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Mary Ellen, how can I help you?

utterance: yeah, Mary Ellen, I called the other day and I was asking about the types of savings accounts that you guys have.

utterance: OK.

utterance: And I don't remember. I think I may have talked to you.

utterance: And, anyway, I have decided that I wanna go ahead and apply, well not apply but open the Intel Bank Smart Savings account.

utterance: OK, well that is actually Intellibank Smart Savings account.

utterance: Yes. That that's the one I meant.

utterance: OK. be happy to help you with that, sir. Can I get a little information from you please?

utterance: Yes, and actually, can you remind me on that one what was the interest rate on that account?

utterance: point one. percent annually.

utterance: OK, cool. Thank you.

utterance: OK.

utterance: So, if you don't mind, I need to get your first name please.

utterance: Yeah, it's Jerry. J E R R Y.

utterance: And, your last name?

utterance: Hoffman. H O F F M A N.

utterance: OK. And, Jerry, if you could give me your date of birth please?

utterance: Seven twenty-one nineteen seventy-eight.

utterance: All right. And, if I could also get your personal street address.

utterance: It's eight eighty-two West Magnolia Street.

utterance: OK. In what city?

utterance: Buffalo Grove.

utterance: Illinois.

utterance: And, the ZIP code?

utterance: Six zero zero eight nine.

utterance: Thank you. And, your social security please.

utterance: Two seven zero four eight four zero two three.

utterance: Oh. It's two That was two seven zero four eight four zero two three?

utterance: Yes.

utterance: OK. Thank you. And, can I also get your driver's license number and the state in which it was issued, please, Jerry?

utterance: Yes. It's two I S T five K four seven.

utterance: U zero A in Illinois.

utterance: OK.

utterance: And, let me me just repeat that. It was two I as in igloo, S as in Sam, T as in Tom, five K as in Karen, four seven U zero A as in apple.

utterance: Yes, ma'am.

utterance: Thank you so much. And, so you have a PIN number for me please?

utterance: Yes. It's nine three eight zero.

utterance: OK. And, can I get the name of your business?

utterance: Yes. It's Glen Cairn Studios LLC.

utterance: And, that's G L E N N C A I R N E.

utterance: OK. And, are you the sole owner, sir?

utterance: I am.

utterance: Thank you. Do you have an email address for your business?

utterance: Yeah. It's G C Studios at Gmail dot com.

utterance: OK. And, the date that your business was established please.

utterance: February nineteenth twenty eighteen.

utterance: All right. That's awesome. Just a few more questions please. your gross annual sales?

utterance: Seven hundred and ninety-five thousand.

utterance: All right. Sounds like you had a great year. Tax ID number please, Mr. Hoffman.

utterance: Eight three five five six one five eight two.

utterance: All right. And, let me repeat that back to you.

utterance: Yes, ma'am.

utterance: All right. Super.

utterance: And, what is the business address?

utterance: The street address.

utterance: one fifty-five Magnolia Avenue.

utterance: OK. And, what is your mailing address for your business?

utterance: It is one fifty-five Magnolia Avenue.

utterance: OK.

utterance: Thank you. Sometimes we just. Some people have a P O box number so I just wanted to check.

utterance: State. City.

utterance: In what state?

utterance: City?

utterance: Buffalo Grove, Illinois.

utterance: OK. And, the ZIP code again was still six zero zero eight nine?

utterance: Yes, ma'am.

utterance: All right. And, do you prefer that your mailing anything that we would mail out to you come to your business address or your personal address?

utterance: You can send it to my business.

utterance: All right.

utterance: Thank you so much. And, in order to start out a savings account for the Smart Savings, we're gonna need a twenty-five hundred dollar minimum deposit.

utterance: OK. well let's go ahead and put fifty thousand in there.

utterance: OK. That's awesome. Can I get the funding number? So, basically where I'm going to be pulling the money out of. I need to get that number.

utterance: OK. yeah, we're gonna take that out of my checking.

utterance: And, it is two five zero three eight zero zero three six seven.

utterance: That was two five zero three eight zero three I'm sorry, zero three eight seven.

utterance: Yeah.

utterance: All right. And, could you give me the the routing number?

utterance: Yeah. Give me just a second. Let me find a check.

utterance: OK. Take your time.

utterance: You having a pretty good day today?

utterance: Well it started out kind of bad bad. I hit a deer on the way to work.

utterance: Oh love.

utterance: it was just really foggy and you know.

utterance: Yeah, that's unfortunate. I hope you didn't. I hope your car was OK.

utterance: Well, I dented in the passenger side. You know, he was running out in front of me and and he came out on that side and dented it in. I had to have a tow truck come cuz I couldn't drive.

utterance: Oh. That's that's unfortunate.

utterance: But, you know, luckily the deer, you know, he he walked away and so did I. So, that's all that really matters I guess. Right?

utterance: That is true.

utterance: And, where I live down here there's deer everywhere so you know, we just got to learn to live with them.

utterance: Yeah. I know how you feel.

utterance: So, how's your day going?

utterance: Good.

utterance: Well, good. I'm glad to hear that.

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

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

utterance: OK. That was one nine one three one eight six four two?

utterance: Yes, ma'am.

utterance: All right. And, I've get get that all set up for you. Get that transferred over. And, so you're gonna be in our Intellibank Smart Savings and is there any other questions I can do or answer for you?

utterance: no. I don't think so.

utterance: OK. And, excuse me. I just wanted to let you know that you can go online to see all your checking account information. I'm sorry, your savings account information.

utterance: And, you can sign up to do online and paperless and and et cetera.

utterance: If you have any questions or you need any additional help feel free to call us back and one of our friendly customer service people will be happy to help you.

utterance: All right. Thanks.

utterance: Thank you and welcome to Intellibank.

utterance: Thank you.

utterance: Bye bye now.

utterance: Bye.


utterance: Hello and thank you for calling Intellibank. My name is Jennifer. How may I assist you today?

utterance: I was having trouble with my ATM card and the PIN number so I need to get my PIN number reset. Can I do that with you?

utterance: Mhm.

utterance: Yeah, I can do that for you right over the phone. Not a problem. May I ask your name, please?

utterance: Yes, my name is Dan Robertson.

utterance: OK. OK, Mr. Robertson. I'm just gonna be pulling up your information. may I get your four digit PIN number, please? The one you're currently using.

utterance: the ones currently is two four three nine.

utterance: Two four three nine, OK.

utterance: And this is the type.

utterance: Of change that will go in pretty.

utterance: It'll be automatic. Yes. Once I get. Once I propagate it on my end, it'll be automatic.

utterance: Immediate, right? Good.

utterance: OK.

utterance: OK, and I'll just need to verify your date of birth.

utterance: Eight thirteen nineteen seventy-five.

utterance: OK, very good. OK, Mr. Robertson, I do see your accounts with us. You're currently using, as you said, account number two one three nine. So what I'm gonna do is I'm gonna erase that from the system and then I'll be helping you set up a new one, OK? Just bear with me one moment while I delete this from the system. OK, and just as a reminder this PIN number, the new one you'll be creating, will be associated with all your accounts and we recommend you keep it in a secure location, where only you have access to it. OK, so what I'm going to do is I'm going to ask you to now punch in four new numbers and I'll wait while you do that. OK, very good. And go ahead and let me know what the new numbers are.

utterance: OK.

utterance: OK.

utterance: OK.

utterance: Six zero seven six.

utterance: OK, now I'm manually inputting that as well. And even though you are telling it to me, it will disappear on my end as soon as I input it. OK. That's it. you will receive an email notification letting you know that your PIN number has been changed. That's it. It'll be it. You can use it right away.

utterance: You're not gonna send me a new card, are you? Cuz the card still works, right?

utterance: No.

utterance: Yeah, the card still This is just a security PIN change, that's all.

utterance: OK.

utterance: OK.

utterance: I also wanted to get some information on exchange rate. I wasn't able to to find any information on your website So I was wondering if you could give me some information. The yen to a peso. What what what is our exchange rate for that?

utterance: OK.

utterance: OK, absolutely. And I will look that information up. I did wanna let you know where to find it though for the future. It's very simple. When you go to the website you'll see a tab called categories. It has a lot of information in there. You just click on that and all the choices from checking currency to changing PIN numbers to even checking debt income ratio. You'll you'll look for the selection that you want. click on that and all your options will come up. OK? All right. So now what I'm doing here is I'm checking the peso to the yen. OK. One moment, please.

utterance: OK.

utterance: Yes.

utterance: Yeah.

utterance: Actually, I'm sorry. Yen to peso.

utterance: That's.

utterance: What I thought. OK. Yen to the peso. OK. So the current rate of the yen is coming in at one point seven five and the peso comes in at one even. One point zero even. OK? And you can also, if you have account, international account, set up, you can even exchange from account to account and if you have a American account that you want to transfer over to a different currency, we can assist you with that. All of these are options are available either online on the mobile app or with a phone call.

utterance: Yen to peso.

utterance: OK.

utterance: And these these exchange rates. They're they're fluctuating? .

utterance: They are. They do fl~

utterance: I'm sorry to interrupt you, go ahead.

utterance: No, I'm sorry. I was just saying they are fluctuating, right?

utterance: They are sometimes they change daily. If you want to look at an overall average, we suggest looking at it quarterly statements. But if you're about to travel, it's a good idea to. What I suggest if you're gonna travel is to look at the previous rate look at at for past seven days to kind of get an average.

utterance: Mm.

utterance: That'll give you an idea of when it's a good idea to make any exchanges.

utterance: OK. So there's pick time and off pick times.

utterance: Yes, there are. You Basically what you are looking at, it's like trend forecasting.

utterance: OK. Good good to know.

utterance: OK?

utterance: All right, Mr. Robertson, is there anything else I can do to assist you today?

utterance: No, that's it.

utterance: OK, well, great. I just wanna thank you again for your loyal patronage. I see you've been with us for almost twenty years. So, thank you again for being a valued Intellibank customer and have a great night.

utterance: Thank you, you too.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Margaret. How can I help you?

utterance: sorry. yes. Hi, Margaret. I need to setup automatic payments on my secured loan.

utterance: OK. I can help you with that. what is your name, sir?

utterance: Jerry Hoffman.

utterance: And your date of birth and your PIN number.

utterance: seven sixteen nineteen seventy-eight.

utterance: My PIN number is nine three eight zero.

utterance: Thank you and the account number for which we'll be paying the loan.

utterance: the loan account number is two zero nine zero two one eight four two zero.

utterance: two zero nine zero two one eight four two zero?

utterance: Yes.

utterance: OK and we'll we be taking that payment out of your Intellibank Total Checking account?

utterance: yes, that will be the payment I would like to pay from.

utterance: All right. Can I get that account number, please.

utterance: Yes. It is two five zero three eight zero zero three six seven.

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

utterance: Yes.

utterance: And the routing number?

utterance: One nine one three one eight six four two.

utterance: Yes. That is correct.

utterance: OK.

utterance: Give me just one second. My computer is kinda slowing down here for a second. Give me just a minute.

utterance: No problem.

utterance: You having a pretty good day so far?

utterance: So far.

utterance: Oh, that's good. My day has been pretty uneventful.

utterance: Well, uneventful is always good.

utterance: I'm ready for the day to end. I am actually going out of town for the weekend.

utterance: Oh, well. That's pretty nice. where you going?

utterance: I am going to Chicago.

utterance: Oh!

utterance: My baby sister is having a baby shower.

utterance: Oh. Well, congratulations to her and to you on becoming an aunt.

utterance: Well, thank you. we're super excited. It's the first baby in the family since we've all grown up. So. Well, except for our little brother. He's still a baby.

utterance: Well

utterance: Well, it's always exciting when it's the first one.

utterance: Yeah. We're so happy. It's gonna be a little boy.

utterance: Oh, that's great.

utterance: Yes.

utterance: OK. finally, it stopped spinning. I had the death wheel going there. OK. we are getting ready to setup this loan payment.

utterance: OK. There, now it's going. Looks like we have a fifteen hundred dollar payment. that is what you normally make. Is that the payment you'd like to continue to setup on automatic?

utterance: yes, fifteen hundred dollars.

utterance: OK and it looks like the due date is the seventeenth of the month. would you like to set it up to be paid out on that day or a few days ahead of time?

utterance: let's go ahead and have it paid on the twelfth.

utterance: OK. I've got that set up. Hang on one second.

utterance: Oh my goodness! This computer.

utterance: no problem. I know how those things can be.

utterance: Well, we're getting some pretty bad storms right now so I'm thinking maybe something's just happened with the internet service altogether.

utterance: Oh, it's very probable.

utterance: Oh, my goodness. Did you hear that thunder?

utterance: Oh, OK. All right. Well, it's saying that I have it setup now to come out on the twelfth Fifteen hundred dollars. Is there anything else I could do for you?

utterance: yes. Can you tell me what the balance of that loan will be after that payment is made?

utterance: Four seven. Four four hundred and seventy-nine thousand two hundred and twelve dollars and thirty cents.

utterance: OK.

utterance: OK?

utterance: Good to know.

utterance: All right.

utterance: And, OK. That takes care of that. It's are you aware that you could do these. Set things up on automatic payment on our website?

utterance: yes. My accountant normally handles that stuff and I know she uses it.

utterance: OK. Well, that's good. We've recently updated it so tell her to make sure she goes in there and looks through. We've also got some investment banking seminars that are coming up that we are offering free to our customers in the next month.

utterance: Oh, OK. Well, yeah. I'll definitely get on there and look at those for sure.

utterance: Yeah. It could be something that you might you know might've been thinking about doing just haven't you know jumped over the rail yet. So. And we encourage you to to get signed up for those classes that are first come first excuse me. First come first serve with limited seating. and but you could schedule and say that you'd like to attend one of those classes online.

utterance: Right.

utterance: OK. Sounds good.

utterance: OK. Well, is there anything else I can do for you today?

utterance: no. I don't believe so.

utterance: All right. Well, you have a great weekend. OK?

utterance: You too and have fun in Chicago.

utterance: Thank you. Bye bye.

utterance: Goodbye.


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

utterance: Hi, Ashley. I need to schedule a payment for my loan, please. I'm going on vacation and plan on just disconnecting from all technology. So, wanna make sure everything's in order before I go.

utterance: Right. Wow, that sounds like a great idea. Have fun with that and I'll definitely be happy to help you. just give me one moment and I'll bring up my systems here. OK?

utterance: All righty. And yes, that is such a needed trip. Everybody needs that getaway time once in a while.

utterance: Absolutely, absolutely. I take a family vacation once a year. I go with my family to my grandma's beach house that we have down in southwest Florida. right on the Gulf of Mexico. It's absolutely beautiful and it's just It I mean it's just. You see all the wildlife and laying out in the sun and watching true crime. It's just a good time.

utterance: That sounds so nice. We are we're actually heading up to the mountains in North Carolina Love watching the scenery change and the colors of the trees. And like to go before it actually snows and everything up there.

utterance: Oh.

utterance: Right. That sound gorgeous. That should be a fun time. breathing in all that fresh air.

utterance: Oh, definitely. And there's nothing like it. Especially not in Florida.

utterance: No.

utterance: Oh, gosh. For sure, no. All right. And got my systems up here finally. And may I get your first name, please?

utterance: Yes ma'am. It's Nicole. N I C O L E.

utterance: And your last name?

utterance: Gonzalez with a Z. And my birthday is seven one eighty-three.

utterance: Perfect. That was my next question. So, right on the button with that. All righty. And the PIN number for your account?

utterance: Is five five six seven.

utterance: Perfect. And you said you want to schedule a loan payment. what loan. What's the account loan number. Or the loan account number, I'm sorry, for the loan you're trying to schedule a payment for.

utterance: It is one four three four one three.

utterance: Perfect. All right. And what is the account number that you're using to make the payment from?

utterance: we'll go ahead and do that from my one one zero three nine three eight seven.

utterance: Perfect. And the routing number for that account?

utterance: Three seven eight nine five four two three one.

utterance: OK. Perfect. All right. So, just to read that back to you. we got the loan account number one four three four one three. Coming and we're gonna make a payment from account number one one zero three nine three eight seven with routing number three seven eight nine five four two three one. Sound correct?

utterance: Sounds right.

utterance: All right. And what date would you like to schedule the payment for?

utterance: For November the fifteenth.

utterance: Perfect. And how much would you like to make the payment for?

utterance: Seven hundred fifty dollars.

utterance: OK. Perfect. All right. So, I have a payment of seven hundred and fifty dollars scheduled on November fifteenth. to pay your loan your loan number one four three four one three. Is that correct?

utterance: Yes.

utterance: OK.

utterance: actually, can I change the payment amount to eight hundred and fifty, please?

utterance: Yeah, sure. Let me just go back here.

utterance: Sorry about that. It might be better just to pay a little extra.

utterance: Yeah. No problem. No. I got it. OK. So, got a payment of eight hundred and fifty dollars scheduled on November fifteenth to pay loan one four three four one three. Is that correct?

utterance: Yes.

utterance: Perfect. All right. Is there anything else I can assist you with today?

utterance: Am I able to schedule these payments online?

utterance: Absolutely. Yes, you can. you can go online to Intellibank dot com or to or you can download the app via the Google Play store or Apple store whichever phone you have. we're on both platforms. They'll ask you some personal and banking information for verification purposes. So, just make sure you have your banking info available when you're creating the account. then you'll have to create a username and password. you'll be able to also choose whether you want to log in with biometrics via using your fingerprint or facial recognition. So, that way you don't have to manually enter your password every time. So, that's a cool little feature available. then you'll be able to manage all of your accounts online, whatever accounts you have with us, including scheduling payments. OK?

utterance: All right. That sounds easy enough.

utterance: Yes ma'am. And is there anything else I can assist you with today?

utterance: No. Thank you so much.

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

utterance: You too. Thank you.

utterance: Thank you. Bye bye.


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

utterance: Yes so my husband had previously been the one making payments for the business loans and now we're getting a divorce. I don't really know what I need to do from here in order to keep my account in check if that makes sense.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill so you're wanting to get some information regarding your business loan and your payment is that correct?

utterance: Yes so basically I just need to know what those are. what my payment is when it's due those kinds of things.

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

utterance: So my credit card number is three four six zero two nine nine eight.

utterance: OK what is the name of the business?

utterance: It's Johnson Controls.

utterance: And your date of birth please?

utterance: It's March second of nineteen eighty.

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

utterance: Yes so that's six four seven eight.

utterance: All right so it looks like on your loan the balance still owed for is nine thousand nine hundred and thirty dollars and it looks like your next payment is due on October thirtieth and that's for four hundred and two dollars and twelve cents. And it does look like your your payment is always due on the thirtieth of each month so any payment moving forward will be due on the thirtieth.

utterance: OK thank you I think that's what I needed.

utterance: OK do you have any other accounts you would like me to check for you as well? Would you like me to make a payment for you?

utterance: No I don't I don't think so cuz it's not quite due yet but could you kind of like maybe talk to me about possibilities of of what I could do to arrange like that payment be made always.

utterance: yeah when you say being made always you mean like setting up like some kind of an automatic payment for that loan?

utterance: Yeah is that possible?

utterance: Yeah so we do we do we have an auto payment automatic payment option and that's what would basically set it up. So on the thirtieth of each month it automatically draw draws from whatever account you choose I mean that way you don't have to worry about manually going to do anything it just automatically processes that for you. Is that something you might be interested in?

utterance: Yeah so when you say automatically processes though like does that mean that on the thirtieth of each month it comes out automatically? Or does that mean that I I get some kind of email and then I'll have to go in and and manually do it? Like how do you mean that?

utterance: no like it legitimately drafts so you'll still get an email. You'll get an email notifying you that your payment what your payment amount is that's due because it's just a notification system that we have. But you don't have to do anything in that email cuz once once the thirtieth hits usually at midnight on the thirtieth they will process that process that payment for you to get that out of your account and get that balance paid for the loan.

utterance: OK then so can I set that amount though? So if I wanted to to be maybe a little bit higher and pay a little bit more on the loan could I do that instead of just the minimum payment due?

utterance: Yeah you can so it looks like your payment is four hundred and two dollars and twelve cents. So just for example if you wanted to pay four hundred and fifty dollars a month we could set the payment up for a four-hundred-and-fifty-dollar draft to come out. in the instance of a loan you have a couple of ways you can apply that. You can apply overpayments to interest to the to to the actual loan balance. It just kind of depends we'd have to kind of break down on that payment that you're processing for the the overpayment where you wanted that to be applied to.

utterance: OK then and can I do that over the phone? Or do I have to come and fill a form out then for that since I have to break down where it's applied?

utterance: you can do it over the phone. We would just basically manually take that information from you and you'd verbally give it to us over the phone so yeah you can do it over the phone or you can do it at any Intellibank banking location as well. You can go into any of our branches and do it from the Intellibank branch as well. It just kind of depends what you feel more comfortable with. If you feel more comfortable doing it in person but like you called today to get your banking information we can do it for you over the phone as well.

utterance: OK then I I appreciate that and is that just for this type of account or can I do it through my account if I also have a credit card with you?

utterance: Yeah you can do it for any of our loan or credit card options I mean it's it's essentially just an automatic payment system that we draw up and it will draft from whatever account you choose like I know you have Intellibank checking as well it looks like so if you wanted to do it from your Intellibank checking account then essentially we would just draw draw that up for it to draft every month on the whatever due date for that balance from your checking account.

utterance: OK then well I appreciate that is there is there anything else that I need to do as far as making that payment and setting up like I don't want to do it right now because I know it's not due yet but if I want to call back I just call back tell you what I want get it set up and then from there moving forward it comes out automatically?

utterance: Yep that's correct it'll come out automatically once the automatic payments are set up I do want to let you know that you can check your loan balance though. If you have on access to online banking I do want to let you know that you can also check your loan balances and make payments on there as well so if you have access to online banking you'll just go to the top. You'll log in to your account go to the top and choose the loan tab or in your instance you said you got a credit card you can choose your credit card tab as well and then you can make your payments you can see your balances due on there all on that same on on that same online banking system.

utterance: Oh really I didn't know that that's great!

utterance: OK Jill well was there anything else that I could do to help you today?

utterance: No I don't think so I'm sorry I know it was kind of sporadic with the questions but you've covered everything I appreciate it.

utterance: No problem at all Jill thank you for choosing Intellibank. You enjoy your day!


utterance: Good afternoon. I am Christobo. And you've called Intellibank.

utterance: Hi Christobo.

utterance: Hey there. How how you doing. What can I do for you?

utterance: OK well you can do a few things for me today.

utterance: Yep.

utterance: Number one, I would need to get some information from you about my consumer price indexes.

utterance: On a couple different categories and a couple different time periods.

utterance: Sure.

utterance: OK.

utterance: What's the time periods and what are the categories?

utterance: I need last year, all of last year, and then this quarter that we're currently in.

utterance: For which consumer code?

utterance: the category that I'm currently inquiring about is a gas.

utterance: Gas, perfect. And your name is?

utterance: Melinda Boxstow.

utterance: Melinda Boxstow. Can I get your account number please?

utterance: My account number is four three two one six nine nine two three four two.

utterance: And your date of birth?

utterance: And my date of birth is November eleventh nineteen seventy-one.

utterance: Perfect.

utterance: great. And your last four of your social?

utterance: Three three one nine.

utterance: Perfect Melinda. OK great. So it looks like last year for gas your consumer index was at about seven percent.

utterance: How about you give me all resources. And it's just all the resources I've been using?

utterance: Sure. Electricity is at thirteen percent food and water and all that is at thirty percent. That's a little high but it's manageable. and everything else is steadily at about fifteen percent.

utterance: OK. And it that was for this quarter?

utterance: Yes. That was for last year.

utterance: OK. And then this quarter.

utterance: This quarter you've gone down a little on everything. We got the gas is about twenty percent then we're looking at food and electricity it's ten and seven percent. And yeah it. The other things are all seventeen percent.

utterance: Let me just ask you a question.

utterance: Sure.

utterance: When was the last time you ate a chocolate chip cookie?

utterance: Oh, not since my mom died.

utterance: Which was when?

utterance: Twenty years ago.

utterance: Is that why you haven't eaten one since then?

utterance: Yeah. She. Her nickname for me was chocolate chip.

utterance: Oh.

utterance: That's sweet. That's too sweet.

utterance: Yep.

utterance: And just can't do it. Can't bring myself to do it.

utterance: Hmm.

utterance: I don't know what made me ask you that but I'm sorry I did now.

utterance: It's

utterance: It's OK. It's very unprofessional but it's OK.

utterance: Well I'm not the one at work.

utterance: That's true.

utterance: You could have kept that all to yourself.

utterance: Well that's true I'm sorry about that. .

utterance: Well I'm happy.

utterance: You disclosed because now I feel like we have a a deeper interpersonal connection and I like to have that with my banking team.

utterance: Well great. I'm glad. I. I'll answer any question you have.

utterance: Oh thank you. You know I trust you, you trust me.

utterance: Absolutely.

utterance: Yeah.

utterance: What else can I do for you?

utterance: Mhm.

utterance: Well we're talking about trust and I no longer want to get statements delivered to my house.

utterance: Oh well you know we could send them electronically. We could email them to you every month or every month you've. we have statement that we can deliver through email is what I'm trying to say.

utterance: How about how about this?

utterance: How about what?

utterance: I don't want any statements delivered. I just want to check my own account info when I feel like it.

utterance: So OK. Great. So what we can do it you could sign up to use the mobile banking app.

utterance: OK.

utterance: Yeah.

utterance: Perfect.

utterance: What's that

utterance: Gonna be like?

utterance: Well Mobile banking is so convenient You get to do everything you would do in a bank you get to do on your phone. You can.

utterance: Do you?

utterance: Do mobile banking?

utterance: I do and I absolutely love it.

utterance: Are you ever worried that it's going to replace your job?

utterance: No because I'm not a bank teller.

utterance: What are you?

utterance: I'm a customer service rep.

utterance: and you're good at it aren't you?

utterance: I'm the best.

utterance: Chocolate chip. Can I call you chocolate chip?

utterance: no.

utterance: OK. I thought I was pushing the boundaries a little bit and I was right.

utterance: Yeah.

utterance: I just like to see where I stand with my customer service banking representatives.

utterance: Sure, sure.

utterance: I've texted you the the the change your. The mobile banking.

utterance: Mhm.

utterance: Information.

utterance: So I won't get anymore paper mail right?

utterance: No. Or or mail. Or email.

utterance: Nor email.

utterance: Just. Just letting me do it the way I want to when I wanna do it. Perfect. That is exactly what I wanna hear from you.

utterance: It's all your mobile banking.

utterance: Yep.

utterance: Exactly.

utterance: Great.

utterance: Mhm.

utterance: That's again that's exactly what I want to hear from you.

utterance: Are you sure I can't call you chocolate chip then?

utterance: Sure, you can.

utterance: Wow we really worked out everything on this call today, didn't we?

utterance: Mhm. Mhm.

utterance: That's why we're here at Intellibank.

utterance: Oh, OK. Cool.

utterance: is there a referral? Friend referral?

utterance: Sure yeah, there is.

utterance: OK.

utterance: All right. I'll I'll send you that information as well. OK bye.

utterance: Thank you.

utterance: Thank you. Bye.


utterance: Thank you for calling Intellibank. This is Margaret. How can I help you today?

utterance: Hi Margaret. I am needing to get a copy of my bank statement I guess. I'm, I'm trying to get a bunch of tax documents together and I guess. They're, they're requesting bank statements for the last two years?

utterance: Is that something you can help me with?

utterance: It sure is. Let me get a bit of information first.

utterance: Can I get your name and date of birth?

utterance: Yes, it's Jerry Hoffman, H O F F M A N and my date of birth is July twenty-first, nineteen seventy-eight

utterance: Alright mister Hoffman. Thank you so much. let me continue to get just a little bit more information if you don't mind? I need to get your pin number?

utterance: OK. It's nine three eight zero.

utterance: Alright. And let's see we have your date of birth. Let's get your account number please?

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

utterance: Alright. And, let me repeat that back.

utterance: Five two zero eight I'm sorry, zero eight six six three nine.

utterance: actually sorry. That's the that's the routing number.

utterance: The account number is, two five zero three eight zero, zero three six seven.

utterance: OK, so that was two five two five zero three eight zero zero three six seven. Is that correct?

utterance: Yes, that's the, that's the account number.

utterance: All right. Thank you.

utterance: And also how would you, how do you normally get your statements? Do you get through the mail or through email? How does that happen?

utterance: Can I get them email to me this time? I think that'd be easier.

utterance: You certainly can. What's that email address?

utterance: GC studios at Gmail dot com.

utterance: Alright. And OK so go ahead and ask me what was how many statements said it was that you were wanting?

utterance: I just need a copy for myself I guess. I can, I can give it to him.

utterance: Yes Sir. For how many months?

utterance: Oh two years to date if possible?

utterance: Ok, I can get that. Can you give me just one second I'm gonna send those over to you via email. Is that correct?

utterance: Yes, Mam. And is there a fee for getting these reports?

utterance: No we do it in one time a month.

utterance: We can send you some statements by request. free of charge if you ask multiple times during the month, there will be a fee for any additional times.

utterance: OK. Well that's good.

utterance: How's your day going so far?

utterance: Oh well it's going OK. It's been a pretty good day. But I got a little bit of a headache going on, but we're going forward.

utterance: Oh well. Yeah it's headaches aren't fun. I have migraines all the times so I know how that goes.

utterance: Oh they're horrible. They really are the light, the very light and smells just bother you.

utterance: Yes.

utterance: OK. looks like I've got all of those sending over to you.

utterance: if you don't get them right away, you might check your junk email. But they should be perfect to come through yours, your regular email.

utterance: OK, cool.

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

utterance: yes actually, can you go ahead and tell what my balance is in my business total checking account?

utterance: sure, let me go ahead and pull that up. Do you have that account number for me?

utterance: yes, it is that account number I gave you earlier.

utterance: OK.

utterance: All right. So we're on that account. Let me look that up for you.

utterance: OK. Here I have it. It is seven hundred and eight three thousand four hundred and ninety-four dollars and thirty-five cents.

utterance: All right. Thank you very much.

utterance: You are.

utterance: So welcome.

utterance: And also, can you tell me do you do you guys offer real estate loans at all?

utterance: We actually do. We have a couple different loans. But we have two that are, we have a real estate loan and then we have a SBA. It's called a five oh four loan and that is a real estate that's backed by the government.

utterance: OK. and can you tell me what the interest rates are on those?

utterance: On the SBA loan, the interest rate is point four and a half and on just the, the real estate loan that's, that's not the SBA, it's five and a half.

utterance: OK. Well, that doesn't sound too bad. I might be needing to purchase some new property.

utterance: OK, well that's awesome. We are very competitive on our rates so we'd love to talk to you about that in the future.

utterance: OK.

utterance: can I just go online to get more information on those or?

utterance: You can. All of the information that I would give you is already listed online.

utterance: So you can go on there and spend some time walking around looking at it.

utterance: OK. That sounds good.

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

utterance: I don't think so.

utterance: Alright. Well, thank you so much mister Hoffman and you have an amazing day.

utterance: Thanks. You too.

utterance: You too. Bye Bye.


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

utterance: Hi, Daisy. I have a brother who lives in Mexico. he goes to a university there. he. I just like to have Maui you know to pay for his tuition, his bills, stuff like that. Have you ever been to Mexico?

utterance: No. I've never been to Mexico. That sounds so cool. what can I help you with?

utterance: Well, I'm looking in to send money. So I'm looking into the exchange rate.

utterance: Oh, OK. I'll be happy to help you with that. have you been to Mexico?

utterance: Yes, I have many times. It's a great country.

utterance: Fun. Fun. OK. Let me put your information here. What is your name and date of birth, please?

utterance: George Emery and my date of birth is a little tricky. on my driver's license, which is correct, it says September twenty-first nineteen ninety-nine.

utterance: but when I was born the hospital messed up my birth certificate and put twenty-second. I'm having it changed but I have no offense it's gonna be an issue with you guys.

utterance: well. So your you've got two different date of births but the one on your driver's license is the correct one and is your driver's license valid?

utterance: Yeah, it's valid.

utterance: Oh, OK. That should be OK.

utterance: And let me know. What is your PIN? Your Intellibank PIN number?

utterance: My PIN number. I have it written down here somewhere. Do you mind giving me a second while I look for that?

utterance: No. Take your time.

utterance: All right. I've got it. It is sixteen sixty-two.

utterance: All right. Thank you for that.

utterance: And George what is the source currency?

utterance: it is the US dollar.

utterance: And the destination currency.

utterance: The Mexican Peso.

utterance: OK. One moment while that loads.

utterance: Today's rate is twenty point zero one pesos to the dollar.

utterance: OK. Great well, while I have you on the phone. As I said, I'm looking to make a transfer. but I'd rather do it in person so could you please tell me the nearest branch location to me. And could you also tell me their hours.

utterance: Sure. Branch location and hours what is the address that we're gonna search from?

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

utterance: My closest branch to that location is five twenty-one Lavern Court.

utterance: Their lobby hours are Monday through Friday, nine a.m. to five p.m. Saturday, ten a.m. to two p.m.. Their drive-thru is open Monday to Friday eight a.m. to six p.m. and Saturday nine a.m. to three p.m..

utterance: They have an ATM available twenty-four seven in their entryway.

utterance: that ATM accepts checks, indoor cash deposits.

utterance: OK.

utterance: Anything else I can help you with today?

utterance: Yeah. I saw that you can do this on Intel Bank's website but I wasn't able to actually log in. Could you tell me a little bit about that. Help me get through there?

utterance: Sure. Have you ever logged in at our website?

utterance: No, I wasn't able to.

utterance: Oh, yeah. I see here in the system that yeah you. You never had your credentials credentials activated. Sir, I'm sorry. I just wanna confirm. Did you say Intel Bank?

utterance: We are Intellibank.

utterance: Yeah I meant Intellibank. I'm sorry.

utterance: OK, no problem. No problem.

utterance: so as a first time user of Intellibank's online banking you would need to click on first time users enroll here.

utterance: Once you get to that link. Then you're gonna read and accept the online banking disclosures and enter your account number, your social security number, your date of birth your Intellibank PIN number and you're gonna create a password.

utterance: Once you're all logged in, you'll be prompted to choose and answer five security questions and also enroll in the one time security code feature. Does that make sense?

utterance: Yeah. That makes sense.

utterance: Would you like me to send that to you via email?

utterance: Yes, please.

utterance: All right. What is your email address?

utterance: G Emory Trades at Gmail dot com.

utterance: Can you spell that for me?

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

utterance: Thank you, George.

utterance: I have what I had and sent that email. You should receive it shortly. If you don't find it in your inbox, please check your spam filter. Is there anything else I can help you with?

utterance: Nope. That should do it.

utterance: All righty. Well, thanks for choosing Intellibank and have a great day.

utterance: You too. Bye.

utterance: Bye bye, now.


utterance: Hello. Thank you for calling Intellibank. This is Todrick. How can I help you today?

utterance: Hey Todrick. I the stock market is r- ridiculous right now. I'm I'm losing. I'm losing a lot of money. OK. I I gotta find. I gotta find something new to invest in. I dunno. It's been crazy. Can can you give me a stock quote please?

utterance: Oh.

utterance: Yes. I'm first of all I'm sorry to hear that. Hopefully we can help you out with a stock quote that will have you on your way, give you some valuable information. you are an existing customer with us?

utterance: yeah. Yup, yup, yup.

utterance: Great. OK. Let me set that up for you here. I would need your first and last name.

utterance: Mhm. My first name is Nic. Last name Pelton.

utterance: Mm.

utterance: Nic Pelton. And your date of birth?

utterance: January first nineteen eighty-nine.

utterance: OK. January first nineteen eighty-nine.

utterance: Mhm.

utterance: Mm. Pelton. what's the four digit PIN number you set up with us?

utterance: my four gid- four digit prince number.

utterance: that's the four digit PIN number.

utterance: Oh, what's the prince number?

utterance: I don't think we have anything like that, but yeah. It's just just just the PIN.

utterance: Oh.

utterance: Oh. OK. Oh. I thought. OK. zero zero two four is the only four digit number I have.

utterance: Zero zero two four. Looks like that went through. All right, I am into the stock portion of your profile. What's the symbol you'd like to know the quote of?

utterance: PC.

utterance: PC. OK. Just wanna verify that stock for you cuz under the stock market PC is classified as Polar Cans, is that right?

utterance: Yup. Yup. That's right.

utterance: Oh. Polar Cans. And that is currently trading at eleven dollars and fifty-two cents per share.

utterance: oh. That's good. That's good. OK.

utterance: Yeah. Looks like it increased over the last quarter by two point four percent.

utterance: OK. Wow.

utterance: Mm.

utterance: All right. OK. Great, great, great. can I Oh, sorry. What were you gonna say?

utterance: No. No. Is there anything else I can help you with?

utterance: Yeah. Yeah. I also need to make a credit card payment please.

utterance: Oh, absolutely. Let's make that payment for you. I can do that over the phone, but just so you know in the future.

utterance: Mhm.

utterance: It might be a little more convenient for you. You can make the payment online at Intellibank dot com. Or, through the Intellibank mobile app which is available for a free download through the App Store, and that's for iPhone or Android. The difference with that especially is that the call center being only open eight a.m. to five p.m. every day Eastern Time. that app, or that online feature, gives you access to your account twenty-four hours a day seven days a week at your convenience.

utterance: OK. Yeah. No. That checks out.

utterance: Yeah. Thank you.

utterance: Is is it

utterance: OK if I'm doing it on the phone with you right now?

utterance: Absolutely. I can absolutely process that for you. I just wanted to let you know for future transactions. So like pull this up. Just pulled a lot of that information from your stock quote over to the payment so I don't have to ask you as many questions in the payment field here. But, I do need your credit card number.

utterance: Oh, OK.

utterance: Right.

utterance: OK.

utterance: yeah. The credit card number is four eight three four two two five seven five seven seven seven eight six six three.

utterance: Than-. Got that number punched up, and it looks like that's associated with your Intellibank Platinum credit card you have with us, which you took out in twenty fifteen. Thank you so much for that.

utterance: Yup.

utterance: So, what is the payment amount you'd like to pay today?

utterance: What's my minimum payment amount?

utterance: it's thirty-seven dollars for this month.

utterance: OK, let's pay a hundred of it.

utterance: Do one hundred dollars even?

utterance: Yeah.

utterance: The amount.

utterance: Yeah.

utterance: Now, what's the bank account number that you'd like to pull from? The payment source? You could use your Intellibank total preferred checking. Would you like to do that?

utterance: how much is in that checking account right now?

utterance: Current balance of your total preferred checking right now is twenty-six thousand three hundred and ninety-four dollars and fifty-nine cents.

utterance: OK, can we actually do a payment of five hundred then, and then take it from the checking account?

utterance: Five hundred dollars. Immediate payment. And, what's the routing number on that checking account?

utterance: Forty-six twenty-eight sixty-nine.

utterance: Four six two eight six nine. Now, is this an immediate payment you'd like to make on the phone or would you like to schedule this for a certain day?

utterance: do it now, please.

utterance: OK. I'll make an immediate payment. That is for November twenty-second two thousand and twenty-one and the amount of five hundred dollars. And the verification code on that is the letter T six five two. But we will also. I see you've set yourself up here with the online alerts so we you'll receive a text with that record as well. Now I've got that quote for you, I've made that credit card payment, is there anything else I can help you with today?

utterance: no, I think that'll be it. And if I if I if I wanted to pay more, for the credit card bill, I'd be able to do that online today too, or will I have to wait till tomorrow?

utterance: You can pay as many times as you want online.

utterance: OK. Awesome. Well then yeah, I'm all set. Thank you.

utterance: Yeah.

utterance: All right, well thank you so much for being an Intellibank customer. Have a great rest of your day.

utterance: You too. Bye.

utterance: Bye.