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

utterance: Oh hi. Oh so you wanna just get right to the point then?

utterance: Hello.

utterance: Well, how can I help you today?

utterance: I have real estate needs.

utterance: OK, very good. Can I have your account number please?

utterance: Yes, it's sixteen eighteen thirty-two zero zero eight one.

utterance: Your full name?

utterance: My full name is Saweetie, like the rapper. Laroise.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: And your date of birth?

utterance: That would be March sixteenth nineteen ninety.

utterance: Very good. And your business name?

utterance: My business business name is Saweetie's Sweet Potato Pot Pies.

utterance: Oh, fantastic.

utterance: Mhm.

utterance: And the established date of the business?

utterance: March sixteenth, born the same day as me. two thousand.

utterance: OK. And what is the gross annual income of this business?

utterance: hundred thousand dollar business.

utterance: Oh, OK. Very good. Very good. And what is the point of the real estate loan?

utterance: So, we have been we've been very blessed and there's a high demand for Saweetie's Sweet Pot Pies. So we wanna go from making them hand to making them in a factory.

utterance: Mhm.

utterance: OK, have you picked out the real estate?

utterance: Mhm.

utterance: OK, how much is it for the property?

utterance: it's only forty-five thousand dollars.

utterance: OK. And are you planning on putting any down payment?

utterance: I would like to.

utterance: OK, how much?

utterance: Fifteen thousand.

utterance: OK, very good.

utterance: Mhm,

utterance: lemme see here, just need a few more questions.

utterance: Have you ever have you ever heard of Saweetie's Sweet Hot Potato Pie?

utterance: I sure haven't. Sounds wonderful.

utterance: Let me tell you a little bit about it. Well, I was born into it.

utterance: What got you into that?

utterance: OK.

utterance: Mhm. My grandma my grandma, she used to make the pies. Then my mom made the pies. My mom told me and taught me how to make the pies. Not only do I make the pies, I grow my own sweet potatoes to put in the pies. So that's what I'll be using the out exterior portion of this real estate to grow my sweet potatoes.

utterance: Oh, fantastic.

utterance: You know what the secret is to growing a sweet, sweet potato?

utterance: No.

utterance: Blood.

utterance: Really? What kinda blood?

utterance: Collect menstrual blood, and you feed it to the sweet potatoes.

utterance: Oh! Interesting. And how do you do that?

utterance: There are there are methods.

utterance: Oh, OK.

utterance: Such as female friends coming over to the property.

utterance: Mhm.

utterance: While they're on their moon cycle. And just straight on to the earth. For those days. For those days of their flow.

utterance: Sure.

utterance: Oh.

utterance: Well, fantastic.

utterance: Mhm.

utterance: Well, I'm gonna transfer you.

utterance: OK.

utterance: Please hold.

utterance: OK, you have been approved for the loan.

utterance: OK.

utterance: What we'd need to do next is have you send all of your business documents our way.

utterance: Sure.

utterance: And then we can go ahead and process your loan.

utterance: And if you wanna give me your personal address, I'll send you some of my pie.

utterance: Oh, of course, yeah well, fourteen five five.

utterance: Uh-huh.

utterance: Rock About Way. Texas, Texas. Zero zero one zero.

utterance: Uh-huh.

utterance: Uh-huh.

utterance: Uh-huh. All right. Expect some pies. Hot and ready in your mail. As a thank you for the loan approval.

utterance: Well, I'm I'm I'm most happy to help. How long have you been banking with Intellibank?

utterance: Since my my other banker other banker, he passed away. That was. Was about three years ago. And so when he passed away I said I'm gonna pass my business on to a new bank. And I chose you.

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

utterance: Oh.

utterance: Well, you're in good hand here. Our bankers are the best, they actually never die. we've never had a banker die on us. It's very interesting. Nobody's really asking about it but we.

utterance: Immortal.

utterance: It's in Texas?

utterance: Hey.

utterance: Texas, Texas, yes.

utterance: That's why, probably. It's that Texas dirt keeping you alive.

utterance: Yes. Well have a very good day and thanks for banking with Intellibank.

utterance: OK.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi, Daisy. My brother lives in Mexico and I'd like to help him out with paying for his tuition and all his bills and stuff like that.

utterance: That's great. So, what can I do for you?

utterance: I wanna find out the exchange rate.

utterance: OK I'll be happy to help you with that. one moment while I pull up that. Let's get your account. What is your full name and date of birth?

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

utterance: Mr. Emory, what is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: And to check this exchange rate, what is our source currency?

utterance: The US dollar.

utterance: And what is our destination currency?

utterance: Mexican peso.

utterance: Great. US dollar to Mexican peso today is twenty point zero one. So, twenty point zero one pesos to the dollar.

utterance: OK.

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

utterance: yes, actually. I was wondering if you could tell me a little bit about the IntelliBusiness Silver Card.

utterance: Oh, absolutely, I'd be happy to tell you about that credit card. One moment while I pull up that information.

utterance: Sure thing. Have you ever been to Mexico?

utterance: I have never been. Always wanted to go. I have family that go every year and I've never been.

utterance: Mm. Yeah, it's a beautiful country. Lot of great mountains and views. The beaches are great. It's a great spot. You should definitely visit some day.

utterance: Awesome. I definitely want to. OK I have that information here, George. So, the Intellibank's. Intellibank's IntelliBusiness Silver Card is targeted to your small and medium sized business. This card allows you to reduce the administrative charges and to manage easily the expenses of your cards at your fingertips online. It comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, and your credit profile. There is no annual fee. You can earn unlimited one point five per cent cashback on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel, and more. You can earn rewards faster with employee cards at no additional available at no additional cost. You can set individual spending limits for those employee cards, which allows you greater control over your company's expenditures. Your card transactions will be monitored for possible signs of fraudulent activity using our real time state of the art fraud monitoring systems, and you will never be held responsible for unauthorized charges made with your card or account information. a fan favorite, here at Intellibank, is that you can customize your card with your own business logo and design. So once you apply for the card you'll be given the option to upload your business logo and design, and it can be printed right on that card. We are currently running two promotions on this card. The first one being that you are able to earn seven hundred and fifty dollars bonus cashback after you spend seven sorry, seven thousand five hundred on purchases in the first three months from account opening. the second promotion, is that for the first twelve months there is a zero per cent introductory APR. After that introductory period it rises between thirteen point two four per cent and nineteen point two four per cent depending on your credit worthiness. So, George, how does it sound? Do you wanna go ahead and open an IntelliBusiness Silver Card today?

utterance: I'll have to talk to my financial advisor before I commit to anymore credit cards, but I I appreciate you telling me all this. I. This is very useful information.

utterance: Would you like me to go ahead and send it to your email?

utterance: Yes, please.

utterance: What is your email address, please?

utterance: G Emory Trades at Gmail dot com.

utterance: Will you spell that for me, George.

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

utterance: Thank you, George. I'm gonna go ahead and send this, and you should You should receive this information shortly. So, for now, is there anything else that I can help you with today, George?

utterance: No, that covers it.

utterance: OK well, thank you for choosing Intellibank, and have a wonderful day.

utterance: You too. Bye.

utterance: Bye now.


utterance: Hello and thank you for calling Intellibank. My name is Patty, how can I help you today?

utterance: Hey Patty, I'm wanting to cancel a cheque.

utterance: OK.

utterance: It's miswritten.

utterance: OK, not a problem.

utterance: And

utterance: Yeah.

utterance: All right, so you wanna cancel a check? All right. let me just get some basic information from you so I can pull up the system. May I have your name please, first and last?

utterance: Right.

utterance: My name is Nick Jones.

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

utterance: My date of birth is five sixteen nineteen seventy-eight.

utterance: OK.

utterance: How long does it take for these for these cheques to be canceled on on average like once it's once its complete?

utterance: Once I get into the system it's automatic.

utterance: Oh, it's immediate.

utterance: Yeah.

utterance: OK.

utterance: It would be immediate, yes. May I have your four digit PIN please?

utterance: Six one nine four.

utterance: Six one nine four. OK and I should just clarify that too if for example the cheque was possibly try try to post say an hour ago.

utterance: Once you have the have the cancellation because it's on the same day it would reverse.

utterance: OK.

utterance: So as long as it's in on the same day.

utterance: But now if it were on a say the cheque was written Three days. Ago.

utterance: it's not when it's written we're look we're more concerned with when it's posted. Because if it has they haven't tried to post it yet as far as the bank is concerned it doesn't exist yet. because we we we have no proof that a cheque was written until it's there is an attempt to clear it.

utterance: OK.

utterance: It hasn't been pos~

utterance: OK so they would just stop payment on that check that was written? And then we could re-write another one for the correct amount?

utterance: Yes.

utterance: Correct.

utterance: OK.

utterance: All right and what is the OK I'm sorry I got your PIN number, date of birth OK great I just pulled you up on the system here and the reason for the cancellation?

utterance: It was written for the incorrect amount.

utterance: Incorrect amount OK not a problem, and what is the cheque number that you would like to cancel?

utterance: Check number six zero nine.

utterance: OK cheque number six zero nine. OK and it's not necessary but do you have the amount that it was written for?

utterance: Yes. It was written for eleven hundred ninety-nine dollars and ninety-eight cents.

utterance: OK great. OK great so I'm just going ahead and processing this just to verify the reason is that the incorrect amount was written for cheque number six oh nine.

utterance: Right.

utterance: In the amount of one one nine nine point nine eight.

utterance: Yeah. it just you gotta keep your checkbook nearby otherwise people will write cheques on their own.

utterance: OK.

utterance: Oh oh well that's not good.

utterance: Well it's my wife but you know.

utterance: Oh OK.

utterance: She's not authorized to do that.

utterance: Sure. well I just sent

utterance: It was a good purchase though.

utterance: It was a good purchase.

utterance: I did like the candles but.

utterance: Oh.

utterance: I I don't think we should be spending that much on it.

utterance: Yeah that's.

utterance: Quite a bit.

utterance: That's a lot of luxury candles.

utterance: It is they smell good though.

utterance: Good all right so I just sent a confirmation to your email It will give you it'll show you all this information and this is now effective immediately.

utterance: OK and you said the canceled date OK canceled.

utterance: Canceled date is effective today. So even if an attempt for it to clear was today it would this cancellation would still be in effect.

utterance: OK.

utterance: OK, is there anything else that I can help you with today?

utterance: Yes to get hang on a second I'm making some notes here.

utterance: OK.

utterance: Alright, no there was something about delivery, what was it? No not exchange rate, delivery. It was something about

utterance: How y~

utterance: how your statements are? Generated like are you talking about if you get your statements via email versus paper statements?

utterance: Changing.

utterance: Yeah, I've been getting them, I get the paper and you know they're they're really starting to stack up. Is there a way that we can

utterance: Yeah we can take you off paperless building billing and we can generate it to your email account.

utterance: OK and that way I could I can save it to a drive if you do that and I won't have to

utterance: Sure.

utterance: Keep all these papers.

utterance: Why don't you just let me know the email address you'd like it sent to?

utterance: OK it will be Nick.

utterance: Got it.

utterance: At juice dot org.

utterance: OK perfect. OK.

utterance: It's the Nick juice.

utterance: Alright that is effective immediately the next billing statement your statements will go to your email address. I've canceled the paper billing but please note that it can take four to six weeks for that to generate so if you do receive paper billing in the meantime paper billing, paper statements it doesn't mean that this wasn't processed.

utterance: OK.

utterance: Just takes a little while for the system to catch up.

utterance: Sounds good.

utterance: OK, well that takes care of everything unless you have any other questions?

utterance: No I don't.

utterance: OK well thank you for calling and thank you for being an Intellibank customer.

utterance: Thank you.

utterance: Bye bye.


utterance: Good afternoon this is Travis speaking at Intellibank how can I help you?

utterance: Hi Travis how's your day going?

utterance: It's going well thanks for asking how's yours?

utterance: You know I am hanging in there man wanted to call today and enquire. About a loan that I've got. Last year it's a SPA loan I'm hoping you can help me with it I I was making some payments and then I stopped making payments and with the interest and everything I'm just I'm not completely sure like where it stands at this point. Yeah I'm just hoping you can fill me in with the details OK.

utterance: I'd be happy to assist you sir and just before I proceed with your requests today could I get your first and last name please?

utterance: Yes John McMicheals.

utterance: John McMicheals could you help me spell out McMicheals please?

utterance: Yeah M C.

utterance: Uh huh.

utterance: M I.

utterance: Uh huh.

utterance: C H E A L S it's an odd spelling.

utterance: Thank you Mister McMicheals and we do see that you've been on record working banking with us for the last seven years thank you for being an Intellibank customer.

utterance: Seven years already that's crazy feels like just yesterday.

utterance: So Mister Mc McMicheals we will need a few more details before we proceed.

utterance: Sure.

utterance: Wanted to confirm your date of birth.

utterance: Yeah that would be ten twenty seventy-nine.

utterance: So we're twentieth nineteen seventy-nine.

utterance: Yes. Almost a Halloween baby not quite. Which is coming up Halloween's coming up.

utterance: OK so date of birth is we have and what is your PIN?

utterance: My PIN is two zero seven nine.

utterance: Two zero seven nine thank you Mister McMicheals give us one second while your account loads. So I do see that you have a SPA seven A loan that's one of the two S one of the two SPA loans that our bank offers can you confirm that that's the case?

utterance: Believe so yeah I you know I don't know a whole heck of a lot about these things so I'm just gonna take your word for it. For if it the one they gave me.

utterance: So I believe that based on your original request you wanted to check the balance of your loan is that correct?

utterance: I think that's an excellent place to start.

utterance: OK. we can do and just to double confirm before we do go ahead with this request could you give me the loan account number that is attached to this loan?

utterance: Yeah that's the nine digit number?

utterance: That's correct?

utterance: That's nine eight three five seven nine two nine eight.

utterance: OK thank you Mister McMicheals for confirming that. So I do see that your loan here which was taken out in December of last year.

utterance: Uh huh.

utterance: is now at three thousand dollars and seven hundred and seventy-one dollars and seventy-one cents.

utterance: OK.

utterance: So that is the current balance of the loan the SPA loan that you've opened up with us.

utterance: OK how many months behind am I on the payment at this point?

utterance: I'm sorry could you repeat the sir the call.

utterance: Yeah I I know I'm a couple of months behind on the payment. how many how many months behind on the payment am I at this point?

utterance: Give me one second let me check that. So it does look like you have two delinquent payments and I think that getting back to September so between September and November you do have it is showing two delinquent payments on the loan.

utterance: So how much would I have to pay you today to make that up and become good with my payments?

utterance: So right now the monthly installment payment that it looks like we are in need of is sixty-seven dollars and fifty cents and so that would cover the interest that you've accrued as well as the amount delinquent.

utterance: OK I don't have that right now so I am going to have to call you guys back.

utterance: That's perfectly fine. Would you have anything else that you need assistance with Mister Mister McMicheals?

utterance: No you've been very helpful thank you thank you very much.

utterance: OK well it's been my pleasure to assist you and I hope that you have a great rest of the day and we do look forward to your call back.

utterance: You too thank you.

utterance: Thank you.


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

utterance: Hey Randi, how you doing? I'm recently going through a divorce which just finalized. My now ex-wife has the PIN number to my business account and I don't want her having that PIN number. I don't want have her any access to anything of mine anymore. Do I need to close my account and start all over? What's the best way to, you know, rectify this problem?

utterance: Right. Well actually the simplest way is just to simply change the PIN number.

utterance: So I can do that and You know. Without that PIN number she cannot have any access.

utterance: Right.

utterance: Absolutely. So yeah I can do that for you right now if you want and we can just go ahead. All right, great. I just need to get a little bit of information from you first.

utterance: OK.

utterance: OK.

utterance: OK.

utterance: What is your first and last name?

utterance: OK the first name is Corey.

utterance: OK.

utterance: And the last name is Jones.

utterance: OK Mr. Jones and what is your date of birth?

utterance: It's May tenth, nineteen seventy-five.

utterance: Mm K. And your account number, please?

utterance: the account number. Hang on one second.

utterance: Sure, take your time.

utterance: OK. It is zero eight, eight six, one one, seven zero nine.

utterance: OK. And what is the address attached to this account?

utterance: you know what, that's kind of an interesting thing as well because it's a my business is a home-based business and I'm not sure. I don't remember if I've updated to my new home address cuz I would need to do that as well if I have not.

utterance: OK. All right, just whenever you're ready just give me that address and I'll see if we have it on file. If not, I'll update it for you.

utterance: Mm K. The new address is two two seven. Avon Road.

utterance: Mhm.

utterance: OK.

utterance: And that's Philadelphia, Pennsylvania, one nine, one one seven.

utterance: OK.

utterance: OK, perfect. All right, so I updated that for you. That was not in there. And what is the PIN number right now that you that you wanna change?

utterance: All right. So the PIN number. The the current PIN number is. Is that what you need, right? All right, the the Oh, excuse me. The current PIN number is three seven zero eight.

utterance: Yes.

utterance: OK. And did you have a number that you wanna change it to?

utterance: Like I I would like, love to change it to my divorce date because it's like a celebration. But she's sneaky and smart and will probably figure that out. So let's go with I'm gonna go with my grandmother's favorite number. That she always used to make me play for her in the lottery when I was a kid. So let's go with zero nine one five.

utterance: Right.

utterance: Oh.

utterance: OK, perfect. Did she win a lot on that number?

utterance: No.

utterance: But she kept playing. She did keep playing.

utterance: I don't know.

utterance: OK. And you might wanna just like write that down somewhere or like type it in your phone, in your notes. That's what I do because I always wind up forgetting my PIN numbers. I don't know about you, but I do that.

utterance: Yeah.

utterance: I, I, I, yeah I do at times too. That's why I try to make them all the same, so now I'll have to go and change all my PIN numbers to this one.

utterance: So while we're in your account, is there any other information that you need to update like your phone number, or anything like that? Your email?

utterance: No I think that's. I'm pretty sure that's everything. I think I've. You know, done everything You know. Updated it all with Intelligent Bank, you guys have been great.

utterance: Well, actually it's Intellibank.

utterance: Oh! All right. I . In my opinion you guys are always intelligent, so.

utterance: Yes.

utterance: That is, that is true. But just. You know. Just so you know, like, for your references and just You know! Mm K. It's Intellibank.

utterance: It really is!

utterance: I know that's weird, I don't mean to correct you. I apologize. I just I just want you to know the correct name.

utterance: Well, yeah. I, I, I need to know the correct name with who I'm doing business with.

utterance: Right.

utterance: And so is there anything else that you need information on? Like we have business loans, we have the the business gold card that just came out. Are you aware of that?

utterance: you know what I have this silver card, is it. Mean is it that big of a difference?

utterance: OK.

utterance: yeah, there are a lot of differences on that. I'm just reading through it because we just got it today. the new gold account, business account. And I'm like kind of excited about it cuz I have a little side thing. So, I mean, if you want I can just send you over. I can either mail it to you or I can email you the link with all the new information we just you know, start pitching it and advertising it to our customers just this past week. So I mean I could email it to you if you want?

utterance: Actually if you can mail, mail it to me to my, to my address?

utterance: OK.

utterance: The address that I obviously that I just updated, yeah.

utterance: Yes. Yeah, because

utterance: I. I'm, I'm one of them people that like, I like to actually hold it in my hand and read it.

utterance: OK.

utterance: Compared to reading it on a screen.

utterance: OK. So I'm just gonna put in notes here and then I'm gonna have an automatic mail-out for you. You'll probably get this in like three to five business days.

utterance: OK.

utterance: And just read it over. There's a lotta nice new perks. The silver card is great as well, but you might really find some other things that, you know, you'd be surprised and maybe need.

utterance: OK, that'd be great. Thank you so much.

utterance: that you don't realize.

utterance: All right. So is there anything else that I can help you with?

utterance: I think we covered all the bases.

utterance: All right. Thanks Mr. Jones. Have a great day and thank you so much for calling.

utterance: Thanks, you too.

utterance: Bye bye.


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

utterance: hi I just wanted to check my account balance today.

utterance: For for which account might that be?

utterance: Oh I'd like to do the Smart Savings accounts and also the checking.

utterance: Oh OK, sounds good. So that's the Intellibank Smart Savings account?

utterance: Yes, that's it.

utterance: OK. Excellent. Alright, just need a few pieces of personal information to verify your identity.

utterance: Sure.

utterance: what is your what is your first and last name?

utterance: my name is Kenny Conners.

utterance: Alright Kenny, and what is your date of birth?

utterance: Three twenty-six eighty-four.

utterance: OK, excellent. And what is your four digit pin for this account?

utterance: Ooh, hold on just a second, lemme check that. Mm. Alright that would be three eight four five.

utterance: Three eight four five, you got it.

utterance: OK, excellent.

utterance: Alright, and so for your checking account you have three thousand eight hundred and fifty six dollars in your checking account.

utterance: All right.

utterance: And was there something else you wanted me to check?

utterance: I also wanted to see the savings account as well.

utterance: Oh, yes. The Smart Savings account, yeah you have twenty-eight thousand, five hundred and sixty dollars in your Intellibank Smart Savings account.

utterance: Now, if I wanted to check this another way, what are my other options besides calling you guys?

utterance: Well, you can log in online if you go to WWW dot Intellibank smart savings account dot com. We can have you login with your pin and your account number. And you could also have forms of verification security checks if you would like. Like they might ask you to fill out some security questions like what elementary school you attended, and your mother's maiden name, that sort of thing depending on what level of security you would like.

utterance: I get to do all that online, I don't have to go down there?

utterance: Yeah, you could do that, you could do that online. You could also come into one of our branches, we have one looks like. Are you, is your business still located on five fifty-four Barring street?

utterance: We are still there, yeah. Fifteen years if you can believe that.

utterance: Yeah well, congratulations yeah. Well, our nearest branch to you it looks like is over on four five three West Adams Boulevard. Which is just a few blocks over so you could definitely come over during business hours which is eight a.m. to five p.m.. Monday through Friday, and also for a couple hours on Saturday from one p.m. to three p.m. just for that quick, the quick business needs. And you could come over in person to check with one of our tellers or you could do this online.

utterance: That sounds great, and as long as I have you here, I just wanna make sure that I got that correct cuz I wrote down the numbers but I did not write which account they came from. I am sorry. could I once again get the savings and and checking balances?

utterance: Yeah, yeah the checking balance was three thousand eight hundred dollars, and your savings account was twenty-eight thousand six hundred and eighty-five dollars.

utterance: That was six hundred and eighty-five?

utterance: Yeah, six hundred and eighty-five. Your last transaction looks like it was yesterday as a matter of fact for five dollars at Taco Bell. and if that's correct.

utterance: Yeah, that's that is me. Lotta Taco Bells on there unfortunately.

utterance: Yeah, well it looks like for your address you have the Taco Bell right around the corner, so it must be convenient.

utterance: Very convenient, it's it's the number one thing I asked the realtor when I was looking.

utterance: Oh yeah, the essentials. I guess you

utterance: Being close

utterance: To a Taco Bell.

utterance: You have to know where you're gonna get lunch if you have the business that's for sure.

utterance: Do you have any Taco Bells down there at the call center?

utterance: We don't unfortunately. As a matter of fact I sounds like I have to go to a Taco Bell more near your area. What is what is your business again?

utterance: What?

utterance: Oh I sell steel bars for windows.

utterance: Oh that's awesome, I mean I, you know I could probably use some steel bars maybe I'll come by and I'll get Taco Bell and get some steel bars contracted.

utterance: That sounds great, Kenny Steel Bars, fifteen years in business, look us up.

utterance: Congratulations, yeah. Well I until that day comes is there anything I else I can help you with with your online business banking needs?

utterance: No, you've been very helpful, thank you so much for everything today.

utterance: OK well great, you have a wonderful day. Thank you for calling Intellibank Intelligent Savings Account.

utterance: Thank you.


utterance: Hi, thank you for calling Intellibank. This is Rose Marie speaking. And how may I assist you today?

utterance: Hey Rose Marie, I'm calling to check some account balances with you if that would be possible.

utterance: Yes ma'am, absolutely I'd be more than happy to assist you with that. Let me get some information from you so I could pull up your account. May I have your full name as well as your birthday please?

utterance: Yeah, sure this is Eva E V A Parr P A R R and my date of birth is August the third nineteen sixty-seven. And I'm calling with Millennial Life just in case you needed to know.

utterance: Well thank you so much Ms. Parr. I have your last name spelled P as in Paul A R R and your date of birth is August the third nineteen sixty-seven.

utterance: Yes ma'am that's correct.

utterance: Thank you so much. And may I also have your PIN number please.

utterance: Sure. It is We just I'm so sorry we just changed it about a week ago and I don't remember it off the top of my head and it's written in and I have that in my desk I'm sorry would you mind holding for just a second while I grab that?

utterance: Yes ma'am, Ms. Parr that's no problem whatsoever just let me know when you're back.

utterance: OK, great thank you so much.

utterance: OK Rose Marie, are you still there?

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

utterance: Yeah, I sure was and thank you for holding for that. I I do apologize again. our PIN number is six ninety two oh six eighty-five.

utterance: Thank you. I have six nine zero two zero six eight five.

utterance: Yes ma'am that's correct.

utterance: Thank you so much. And I'm ready for the account numbers you would like to check.

utterance: OK, the first one is going to be for our preferred checking and that account number is one six six five twenty-one ninety-three twenty.

utterance: Thank you, I have one six six five two one nine three two zero.

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

utterance: Thank you, Ms. Parr just one moment. I'm showing this checking account balance as five hundred thirty-four thousand three hundred eighty-one dollars and four cents.

utterance: OK thank you, that's five thirty-four three eighty-one oh four?

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

utterance: OK, great thank you and let's see I need to check our smart savings as well. That account number is three twenty-six five oh nine thirteen eighty-nine.

utterance: Thank you, I have three two six five zero nine one three eight nine.

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

utterance: Thank you so much OK Ms. Parr I have this balance as nine hundred and eighty-six thousand four hundred thirteen dollars and twenty-one cents.

utterance: OK nine eighty-six four thirteen twenty-one?

utterance: Yes ma'am, that is correct.

utterance: OK, great thank you.

utterance: Yes, ma'am Ms. Parr. And was there anything else that I could assist you with today?

utterance: yeah actually while I'm thinking about it would it be possible to go ahead and check the available balance on our platinum card. I'm not. I'm pretty sure that we sent the payment over for that but I'm I just wanna double check and I I should be able to know from the available balance.

utterance: Yes ma'am, I'd be more than happy to help you with that Ms. Parr. Do you have that platinum card number?

utterance: Yup, it is fifty-five forty-one seventy-six fourteen thirty-nine oh six double zero thirteen.

utterance: Thank you so much. So I have five five four one seven six one four three nine zero six zero zero one three.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much. OK Ms. Parr, I am showing that available balance as eighteen thousand nine hundred sixteen dollars and forty-seven cents.

utterance: OK, good deal. Yup, yup, yup we got that payment over and just to make sure that was eighteen nine sixteen forty-seven?

utterance: Yes ma'am that is correct.

utterance: OK, great thank you so much Rose Marie you've been wonderful today.

utterance: Well thank you so much for saying that Ms. Parr. Was there anything else I could assist you with?

utterance: No ma'am, that will be all.

utterance: thank you so much for calling Intelligible and you have a wonderful day.


utterance: Hello, and thank you for calling Intellibank. This is Michael. How may I help you today?

utterance: Hi, this is Molly Santiago. I called like last week but my call got disconnected and then I just couldn't reach you guys for a little bit. but yeah I'm back and I still need to set up my automatic loan payment.

utterance: Well I'm very sorry to hear that. We have been having connectivity issues lately and so that was probably on our end. so I would like to apologize. but I can help you out with that today. We can set up automatic loan payments for you. to start let's pull up your account and to do that I'm going to need your full first and last name as it appears on your Intellibank account.

utterance: Mhm.

utterance: Molly Santiago.

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

utterance: January seventh nineteen ninety-three.

utterance: And what is your twelve digit account number?

utterance: I mean I called you guys like three days ago. I have to go through this process again?

utterance: Yeah. Unfortunately this is all for security purposes.

utterance: All right. my account number is seven eight nine nine four five five two two two one eight.

utterance: All right. And I am gonna need your four digit PIN.

utterance: Three two seven eight.

utterance: All right. Hold on just a moment here while my system loads. Let me get your account all pulled up.

utterance: OK. So like your power just goes out a lot at the call center?

utterance: You know for some reason the calls just drop. I don't know what's been going on.

utterance: What is your like provider?

utterance: You know I'm not sure.

utterance: Hmm. You know I work for I work for A T and T and I could get you guys a pretty good deal.

utterance: You know unfortunately I am just answering calls here in the call center so I don't know who I would even transfer you over to. I don't who deals with those sort of things. I mean that sounds fantastic but that is above my pay grade unfortunately.

utterance: OK. Can you just like leave a note in my account that like.

utterance: Sure.

utterance: Says yeah give me a call if you guys ever want better phone service cuz.

utterance: Yeah. I could absolutely do that.

utterance: I don't know what kind of third party local little phone provider you guys are using.

utterance: All right here. And I have your account all pulled up. So I see you have multiple accounts with us. Our Intellibank Smart checking account and our Intellibank savings account. Which one of these accounts would you like that debited from?

utterance: the checking one.

utterance: All right. And what is that twelve digit account number?

utterance: Should be six five eight eight three two two seven six one five four.

utterance: All right. And what is your nine digit routing number?

utterance: The routing number for this bank or?

utterance: yeah the routing number that y- for the account that you will be debiting out of.

utterance: I mean isn't it the same for the whole thing? Like don't you guys have that on hand?

utterance: no. It changes depending on what kind of account you are using. And we do have it on hand, but again this is a security question. We don't want someone calling up and setting up a a debit from your account without you knowing.

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

utterance: All right. And what date of the month would you like these debited on?

utterance: Hmm. what day is it today?

utterance: the eighth.

utterance: Let's say the twentieth.

utterance: All right.

utterance: Bless you.

utterance: And how much will that be for every month?

utterance: I think I would need to do over fifty-four dollars.

utterance: All right. Fifty-four dollars it is. This is all set. Is there anything else I can help you with?

utterance: No. That's all. Thank you.

utterance: All right. Have a wonderful rest of your day and thank you for calling Intellibank.


utterance: Thank you for calling Intellibank this is J D. How may I help you?

utterance: Hello J D. My name is Porshia Rontinez.

utterance: Porshia Rontinez how are you doing today?

utterance: I'm OK. How are you?

utterance: I'm doing great thank you.

utterance: You are?

utterance: Yes.

utterance: That's .

utterance: And how may I

utterance: Help you today Porshia?

utterance: Oh, I just need to make a phone number change on my account.

utterance: Well, that doesn't sound too difficult, now does it?

utterance: It doesn't sound too difficult however I thought I made this same call last week and I don't think that the number was sufficiently updated.

utterance: Oh very sorry to hear that.

utterance: Me too.

utterance: Well let's make sure we get it right today.

utterance: Yeah let's make sure we get it right today J D.

utterance: OK Porshia may I please have your credit card number?

utterance: I need to go get my card.

utterance: OK all right, I will be here waiting.

utterance: Thank you. J D?

utterance: Yes hello Porshia.

utterance: Oh thank you for waiting sorry it took me a little a little extra time to find.

utterance: Not a problem at all so let's go ahead and get that number.

utterance: It's seven seven six.

utterance: OK.

utterance: Three two four one one eight nine two.

utterance: Very good.

utterance: Thank you.

utterance: Now Porshia before we proceed I just need to verify some information for the security of your account.

utterance: Mhm.

utterance: Certainly.

utterance: You already gave me your full name Porshia Rontinez.

utterance: Yep.

utterance: OK Porshia, what is your date of birth?

utterance: It's May eleventh nineteen seventy-four.

utterance: Very good.

utterance: Thank you.

utterance: And then for your security question. What is the name of your pet?

utterance: Hartly.

utterance: Hartly OK all right Porshia so on hand on your account we have three two three eight eight eight four three four three as your number.

utterance: No.

utterance: OK, I'm very sorry. Do you want us to get rid of this number Completely?

utterance: Yes.

utterance: Mhm.

utterance: OK.

utterance: I don't know who I spoke with last time but you know J D you're doing much better than they they did at all. They were very rude obviously they didn't even update my information properly.

utterance: Well, I apologize sincerely.

utterance: Thank you.

utterance: I don't know who that would have been but we will make a note of it.

utterance: Are you are you a manager or something J D?

utterance: No I'm just a regular old guy on the phone.

utterance: Oh OK.

utterance: But maybe one day.

utterance: So goal. Is that a goal of yours? Aspirations I hear.

utterance: Yeah this is exactly what I wanted to do with my life is just be on the phone eight hours a day.

utterance: Aww.

utterance: Look at you living your dreams.

utterance: When I was a little

utterance: Kid.

utterance: Yeah?

utterance: Yeah some people want to be ball players some people want to even be president and I said nope I want to help people change the phone number on their bank accounts. So let's live my dream and what is that new phone number?

utterance: Yes, it's gonna be seven oh four.

utterance: Seven one four.

utterance: Six two one.

utterance: Six two one.

utterance: One three two one.

utterance: One three two one and do you want this to be your primary personal.

utterance: Absolutely.

utterance: Phone number. Also, do you want to add a bank or I'm so sorry. Do you want to add a business number?

utterance: Hmm do I want to add a business number? No.

utterance: Do you have a.

utterance: Business?

utterance: I I do of course I have a business. How would I bank with Intel Bank if I didn't have.

utterance: Well, we have.

utterance: We have plenty of personal banking. already. see that was a trick Porshia.

utterance: Yeah.

utterance: OK. We are just a Yeah I .

utterance: You little trickster J D. Halloween is

utterance: Coming up isn't it?

utterance: Yeah and I just have to make it fun for myself.

utterance: I know you're already living your dream but this call has been so helpful. If I can enhance your your position at all by a positive customer review I would be happy to.

utterance: Well, Porshia I think you've been fantastic today.

utterance: Thank you.

utterance: Do you know about our platinum card?

utterance: What is that about?

utterance: Well, it's card it's the color of platinum. That's

utterance: Oh what other

utterance: Cards do you offer?

utterance: We have a gold one and a silver card. And then we also have a travelers card.

utterance: What do I. What do I qualify for?

utterance: You'd qualify for all three actually. You're doing very well.

utterance: And a traveler card.

utterance: Yes. Which is good all around the country.

utterance: Huh.

utterance: Except China.

utterance: That's the only place I travel for my business.

utterance: Welp that doesn't seem to be the one for you then.

utterance: It sure doesn't. Hmm. All right.

utterance: Well

utterance: Porshia we will email you some information about the platinum card. Is there anything else I can help you with today?

utterance: Where. How do I find out about logging into online banking?

utterance: Well, that's very good. Go to Intellibank dot com.

utterance: Intellibank.

utterance: Yes, that's correct. with our online banking is twenty-four seven.

utterance: Oh.

utterance: So you can listen to it whenever. Just log in with your personal PIN number.

utterance: Uh-huh.

utterance: you'll use your account number and then a personal PIN number and you can see your account and you can do all your banking from there.

utterance: Uh-huh.

utterance: Hmm.

utterance: That means I don't really get to speak to you but

utterance: Well for me that would be all right. Even though you were great. I appreciate you so much.

utterance: Alright, Porshia well you great day.

utterance: You too goodbye.


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

utterance: Yes. I got a letter about my Intellbank loan. I wanted to get this payment done without having to call every time. is there any way to do that? Can I complete that over the phone or do I need to go to a branch?

utterance: Oh certainly sir. We can complete that over the phone for you. We actually offer automatic loan payments. with any account. Any loan accounts we have here. Including our term loans, secured loans, and our SPA loans. So you could just do that over the phone and that will set up a reocurring payment on the date you select.

utterance: OK.

utterance: OK well would you want to set that automatic loan payment up today sir?

utterance: yes please if you don't mind.

utterance: All right certainly. I'll need to get a little bit of information from you to access your account and set up that loan in our system.

utterance: All right. Go for it.

utterance: All right sir. can I get your first name please?

utterance: Yes. First name is Gabriel.

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

utterance: Yes Robinson.

utterance: All right. Is that Robinson? R O B I N S O N?

utterance: yes it is.

utterance: OK thank you so much Mr. Robinson. Can I have your date of birth please?

utterance: yes. My date of birth is ten twenty-four nineteen seventy-four.

utterance: OK, Mr. Robinson. On ten twenty-four nineteen seventy-four is your date of birth and can I have your PIN for this account in question?

utterance: Yes the PIN is four four nine five four nine.

utterance: All right sir. To verify that number is four four nine five four nine?

utterance: Yes.

utterance: Thank you so much for that information sir and can you give me the loan account number for the loan you want to set up this payment for?

utterance: Yes that number would be zero zero five nine seven seven six one three one.

utterance: All right sir. to verify that number is zero zero five nine seven seven six one three one?

utterance: Yes that's correct.

utterance: All right Mr. Robinson. Thank you so much. Currently your initial loan balance is five thousand three hundred and sixty-four. again your payments are around. Let me see. It says right here two hundred and fifty-four each month. If you set up this automatic loan payment that is the amount you will be getting debited each month on your preferred date sir.

utterance: OK how much is that?

utterance: Two hundred and fifty-four dollars.

utterance: OK.

utterance: around the end of this loan payment there will be a bulk payment at the end because it doesn't quite get the two fifty-four. So you may get a a a little uneven number at the end around one hundred usually one hundred and thirty-five something like that, sir.

utterance: OK.

utterance: OK. So could you give me the account you would like to use to debit this payment from sir?

utterance: OK. My account number?

utterance: Yes sir.

utterance: yes. It's four zero nine five five two three one five seven.

utterance: OK. that number was four oh nine five five two three one five seven?

utterance: Yes correct.

utterance: All right. Thank you sir and could you give me the routing number as well please?

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

utterance: OK sir to verify that number is five one one three four three six seven eight?

utterance: Yes.

utterance: All right sir and what date do you have in mind to set up that payment?

utterance: Yes can I get a this month on the eleventh?

utterance: OK so you want to start that payment on the eleventh of this month?

utterance: Yes please.

utterance: OK. So eleven eleven will begin that payment. Your billing usually comes out around the twenty-fourth of each month. So this loan payment will be right before your billing date for this month so.

utterance: All.

utterance: Right.

utterance: That means you're scheduling this loan and it will begin this month and then this month around the eleventh it will be a recurring payment.

utterance: OK.

utterance: All right. Sounds good.

utterance: OK sir. Give me just one moment while I set up your automatic loan payment in our system sir.

utterance: I certainly can. Oh boy. I'm getting a more and more info as I get older. I might have to get everything automatic. So I don't have to so I don't have too many issue. Oh man. I don't know. I mean I don't want too many problem. Do you have that problem?

utterance: actually sir I am a little forgetful at times. I've actually set up quite a few accounts on automatic withdraw. that but issue with that is that I have to remember that it's actually gonna withdraw. So You you still have to remember something.

utterance: Yeah, I know.

utterance: I guess you just have to choose it.

utterance: Yeah, that's a good way to put it.

utterance: All right Mr. Robinson. I've gone ahead and set up that automatic loan payment in our system. Again that will be debited from your account on the eleventh of this month recurring repeatedly each month around the eleventh. If that is scheduled on a weekend. If it ends up debiting on the weekend you'll actually get that debited out the next business day. So you don't have to worry about that but keep that in mind just in case.

utterance: OK.

utterance: All right. Thank you.

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


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

utterance: Hey Matthew.

utterance: Hello.

utterance: I need to get a a treasury bond yield.

utterance: OK. Lemme just get some info from you real quick.

utterance: All right.

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

utterance: Yes. It's Kathy Feinberg. date of birth is August third nineteen eighty-seven. And my PIN number is one two one nine.

utterance: All right. Well thank you very much for that detail.

utterance: You're welcome.

utterance: And so you're wanting to just get the yield of a treasury bond?

utterance: yes. Can you explain it to me?

utterance: yes. So the treasury bond yield is the percentage amount that a treasury bond will return over its lifetime.

utterance: OK.

utterance: And so it's basically its rate of return for the investment.

utterance: OK.

utterance: All right. Yeah. when I opened my business I had just a little bit of trouble. I had lost a friend of mine to COVID and so I wasn't really sure what any of that was about. But I couldn't remember. it was kind of a dark time for me. So thank you for explaining that.

utterance: Right.

utterance: Of course. And I'm sorry to hear that about your friend.

utterance: Thank you. OK. what else do I need to know?

utterance: well the only other thing you really need to know is the term length that you'd like. That's just how long it takes that bond to mature.

utterance: OK.

utterance: OK. Well I don't really want anything under two years. Is that possible?

utterance: Yes. we've got a two-year, five-year, seven-year, ten-year, twenty-year, and thirty-year.

utterance: if I remember correctly I think the five-year would be the best one to do.

utterance: OK. So that is a return or a yield of six percent on the five-year.

utterance: OK. All right. That's what I wanna do.

utterance: All right. And so you'd like to go ahead and purchase one of those?

utterance: Please.

utterance: OK. And can I have the account number for the account you'll be paying with?

utterance: Sure. It's five nine one.

utterance: Five nine one.

utterance: Zero zero eight.

utterance: Zero zero eight.

utterance: Three nine five four.

utterance: Three nine five four?

utterance: Yes.

utterance: All right. And I see that's an Intellibank Wealth Management investment account. so we can just go ahead and draft that payment directly out of there.

utterance: OK.

utterance: All right. And how much would you like to purchase a five-year bond for?

utterance: ten thousand.

utterance: OK. And let's see. That is a five-year bond at ten thousand dollars. would you like to know the amount that bond will return over the life?

utterance: That would be awesome.

utterance: All right. Gimme one moment here to crunch some numbers.

utterance: OK. How's your day going?

utterance: It's going pretty good. Mm cannot complain at all.

utterance: OK.

utterance: Getting ready for the holidays?

utterance: Absolutely.

utterance: I'm excited about this this Christmas.

utterance: I am too. All right. I've got that total yield.

utterance: OK.

utterance: And it is going to be six hundred dollars.

utterance: OK. That's awesome.

utterance: All~.

utterance: All right. And is there anything else that I can assist you with today?

utterance: I don't think so. You've been very helpful.

utterance: OK. while I've got you on the phone, would you like any more information about or online banking where you could get these bond yields and purchase bonds as well as manage your accounts on your your own convenience?

utterance: That'd be great.

utterance: All right. Well yes, we offer that service as a free service to all of our customers. And as I said, you can pretty well manage everything on your account that you would normally have to call us for. You can do that on there on your own at any time of day or night.

utterance: Wow. That's great. I didn't even know y'all offer that.

utterance: Yes ma'am. Was that something you'd like me to get you set up with today?

utterance: That'd be super.

utterance: All right. And can I get your email address please?

utterance: Kathy L Feinberg at Gmail dot com.

utterance: All right. Thank you. And is that the email address that you would like to be associated with your online banking portfolio? OK. All right. I have sent an email to that address and you should get that in just a few minutes. And there is a time-sensitive link in there that will expire in an hour so do please click that link as soon as you can.

utterance: Yes, please.

utterance: OK.

utterance: And that link will take you to a page that will give you your username as well as have you create a password for your account and then it will walk you through the rest of the process.

utterance: Super. Sounds super easy.

utterance: It very much is.

utterance: All right. Anything else I need?

utterance: no. Your online banking should be all taken care of.

utterance: Thank you and that's great.

utterance: All right. Is there anything else I can help with?

utterance: Nope.

utterance: All right. Well thank you very much for calling Intellibank and you have a fantastic rest of your day.

utterance: You too and happy holidays.

utterance: Thank you too. Goodbye.

utterance: Bye.


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

utterance: Yes Jerry, I need to get the exchange rate of ten thousand dollars into pounds. Can you help me?

utterance: Sure, I'll be glad you assist you ma'am. And let me just ask, do you have a account with us?

utterance: Yes I do.

utterance: And first, if I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards what is the name of the business that has an account with us on file?

utterance: Joan's Bed and Bath.

utterance: OK that's Joan's Bed and Bath?

utterance: Yes.

utterance: All right, thanks Ms. Richards. And I'm going to ask you a few questions in order to verify your account. Because Ms. Richards we do take your account security very seriously here at Intellibank. And this is really for you and your account protection. Is it all right Ms. Richards if I ask a few questions in order to verify your account?

utterance: Yes it's just fine.

utterance: Terrific. Ms. Richards if I could ask, first of all what is your business address?

utterance: Ten seventy-five Layman's Court. Smyrna, Georgia. Three zero zero zero two.

utterance: OK. That's ten seventy-five Layman's Court. Smyrna, Georgia. Three zero zero zero two.

utterance: That's right.

utterance: And Ms. Richards what is the phone number on your account?

utterance: Six seven eight three sixty-one eight zero three one.

utterance: OK that's six seven eight three six one eight zero three one. Is that correct?

utterance: That's right.

utterance: And Ms. Richards if I could ask, what is your account number?

utterance: All right. can you hold on for just a second and let me get that?

utterance: Certainly. I'll be glad to hold.

utterance: Thank you.

utterance: All right. It's nine eight four six five nine. Thank you for waiting.

utterance: No problem, happy to assist. And Ms. Richards if I could ask, what is the PIN number that you have on the account?

utterance: The PIN number is one zero one seven. And I also want to know what my account balance is.

utterance: Certainly. I'll be happy to assist you with that. And I see that you do have your business preferred checking account with us.

utterance: Yes.

utterance: And your. Let me see if I can get this pulled up here for you. Ms. Richards, it appears that your account balance presently is or approximately or actually it's exactly fifty-seven thousand three hundred ninety-two dollars and twenty-seven cents.

utterance: All right. Well thank you for being accurate on that. I appreciate it. Fifty-seven seven thousand three ninety two and twenty-seven cent.

utterance: Yes ma'am.

utterance: OK great, great. You know I am ecstatic about the Braves winning this twenty twenty-one World Series. All of the players all are great. I I just saw on how they executed and just did it was just great. I just saw them throwing pitches. Catching balls. Hitting home runs and breaking it was wonderful and fun to watch. they played a good team but just the way they they were just determined. You know that they were gonna win. You could just see it. I mean you could see it in how they were playing. So I I'll tell you I'm so excited and happy for them and for the city.

utterance: Well congratulations to them and to yourself. It appears you're a big Braves fan and you should be excited when your team is the world champions.

utterance: Absolutely and you know, I'm sure I'm speaking with you all. We all feel that way. But it it's just something that I can't explain.

utterance: Well I fully understand and again congratulations to you there Ms. Richards. Now to let you know the exchange rate on your ten thousand dollars into British pounds. converts to seven thousand four hundred and thirteen pounds. that's what that ten thousand dollars translates to.

utterance: OK great. Right. I'll tell you when I hear those differences in the way you explain it and said I know that's what it is. It is just so wonderful. So I I'm just thankful and happy you were able to get that information for me.

utterance: Not a problem at all. And of course Ms. Richards you of course as you noted do have that available amount in your business preferred account. So if you did need to do that as far as transfer or do a wire. Those funds are available. for conversion whenever you'd like.

utterance: OK that's good to know.

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

utterance: No, there's nothing else for today.

utterance: Well, thank you Ms. Richards and you have a great day.

utterance: And you too.

utterance: Bye bye.

utterance: Bye.


utterance: Hello and thank you for calling Intellibank. This is Joseph. How may I help you today?

utterance: I'm calling about making an internal transfer.

utterance: All right. Not a problem at all. Let's start by getting your full first and last name as it appears on your account.

utterance: Melvin Crispy.

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

utterance: March twentieth nineteen eighty-seven.

utterance: All right. And what is your four digit pin?

utterance: Six five eight four.

utterance: And what is your six digit account number?

utterance: Three nine two.

utterance: Pardon me.

utterance: That's all right. Three nine two seven oh seven.

utterance: Great. And I see here that you have both a Intellibank Business Checking Account and an Intellibank Smart Savings Account. From what account are you looking to transfer to and which account are you looking to transfer from?

utterance: From checking to savings.

utterance: All right. And how much were you looking to transfer today?

utterance: Sixteen thousand dollars.

utterance: OK.

utterance: Unless I dunno. I I never ask enough I feel like on this so I dunno if you're an expert or whatever but what would you do? Like looking at my finances coz I I've got a lot outside debt right now that you don't have any records and I'm trying to figure out the best way to balance so I've never been really good about managing my money. I just got a big bill from the veterinarian and I dunno if you have pets but that'll really can just rock your world. Like you think it's nothing and you're just taking care of this pet but it's a huge cost and when something goes wrong then it it it really hits you in the pocket book you know.

utterance: I'm very sorry to hear that. I unfortunately am not a finance expert. I just work here at the call center. So I can't actually advise you at all on what's going on with your finances. But we do offer an advisory service if you would like to go into one of our branches. you can make an appointment. And one of our financial advisors can walk you through exactly what you should be doing with your finances.

utterance: OK. And they're at every location? I can just walk in?

utterance: They're at every location. you can't just walk in. You have to make an appointment. But you can call us to make an appointment or you can do that online on our website Intellibank dot com.

utterance: OK. Cool cool. Sorry sorry to I didn't mean to unload that on you. s~

utterance: Oh no, no.

utterance: A lot of people need help with that right now. Especially in this financial environment and that is what we are here for.

utterance: Thanks. Thanks I appreciate it.

utterance: And I believe was there anything else I can help you with today?

utterance: Oh I I wanted to look into opening up another account even though you know I don't know if that's the best idea for . What I understand is I'm looking for the the first ask questions, the FAQ required business documents for this account that I'm looking into.

utterance: Oh sure. So in order to open that account what you're gonna need to provide us first you're gonna need to provide us with the security information that we have on file for you already. So that would require your full social security number.

utterance: A state issued ID or driver's license number. Your tax ID number. Your email address. Your home physical address. Your mailing address. Your business's address. Whether or not you are the sole owner of the business. The business establishment date. The gross annual sales of your business. The business license. Two years of personal tax returns. Two years of business tax returns. And two years of year end financial statements.

utterance: wait. You want that right now or can I just give that online?

utterance: no. You would actually have to mail those in. or you can bring them in to the branch when you meet with your financial advisor.

utterance: That's great. Yeah I'll just do that. I'll go in and do that myself.

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

utterance: Nope. that'll do it. Thank you. Appreciate it.

utterance: Thank you for calling Intellibank. You have a wonderful rest of your day.

utterance: You too.

utterance: Bye.


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

utterance: Hello, Natasha. I have a cousin named Natasha, but she lives in Cleveland. You wouldn't happen to You wouldn't happen to be. You wouldn't happen to know here, would you?

utterance: No sir, I'm so sorry. I actually don't know anyone from Cleveland.

utterance: Oh, that's all right. I didn't think so. I really need to call her. Well, on the reason I called. I would like to I would really appreciate it if I can if if if you could send me a copy of my most recent credit report.

utterance: OK, sir, I can certainly help you with that. But first I need to get a little information about you so that I can actually request that report from our system.

utterance: OK.

utterance: OK, sir. So first of all I'm gonna need your your first name, please.

utterance: My first name is Gabriel.

utterance: OK, sir. just to verify the spelling, is that G A B R I E L, Gabriel?

utterance: Yes.

utterance: All right sir. And could you give me your last name, please?

utterance: My last name is Robertson.

utterance: All right. Is that spelled R O B I N S O N, sir?

utterance: Yes.

utterance: OK, thank you so much for that. And next I will need your date of birth please.

utterance: My date of birth is ten twenty-four one nine seven four.

utterance: OK, you said October twenty-fourth, nineteen seventy-four?

utterance: Yes.

utterance: All right, thank you so much for that Mr. Robinson. And lastly I'm gonna need your PIN for this account in question.

utterance: OK. I believe it is I'm not for sure four four nine five four eight.

utterance: no sir, that's not the PIN that I have on file for you. would you like to try again, sir?

utterance: yeah, yeah, I'm trying. I'm gonna try to get it right. Four four eight five four nine?

utterance: No sir I'm so sorry, that that is also not the correct PIN. Do you have it written down somewhere, sir?

utterance: no no Can I try it again. I'll probably get it right this time.

utterance: yes sir, go right ahead.

utterance: OK, I'mma try this again. Yeah, just a minute. Four five nine four five nine.

utterance: No sir, I'm so sorry, but that is not the correct PIN number that we have on file for you, and I'm sorry but that is the limit to the amount of guesses that we have for this PIN. You're gonna actually have to go into your system and you would have to change that PIN or actually find the correct PIN and call us back. in order to get this report sent out to you, sir. I'm very sorry.

utterance: Oh.

utterance: OK.

utterance: What go into the system, watcha mean by that?

utterance: Oh, sir, you're gonna have to actually if you can you can actually go into your banking, online banking account and you can reset your customer service PIN. If you don't have your online banking account set up you can set that up online at Intellibank dot com. You would go onto our site and go into the right corner. It's for our business customers. You would set up that account with your social security number. Usually you need a email address or your phone number so you can get authentication. And when you go into there you'll have information on file. And you actually have access to the next tab, and it will It'll ask you if you want to reset your PIN or not. And it will allow you to reset your PIN with your authorization information. If you don't wanna reset your PIN, sir, and if you, you know, find that PIN out or you can remember it, you can just give us a call back and give us that PIN number and and we can go enter here.

utterance: OK, you say I can use my phone number, cuz I don't have a email account.

utterance: Oh, yes, sir you can actually use your your cell phone number for authentication purposes.

utterance: OK, OK, I would do that. And I'm sorry about that.

utterance: Oh, that's all right sir. And I actually, sir. I'll probably advise you to go ahead and get an email account. That way you can get your your report sent to your email and that would be much quicker than actually going through the mail, and you can have paperless bills and everything else sent to you. So it would be a lot more convenient if you actually set up an email address.

utterance: Oh.

utterance: All right, thank you, and I will do that.

utterance: OK, sir. That's no problem, again. once you get that number you can give us a call back, and if not sir, is there anything else I can help you with today?

utterance: no that's about it. Thank you for your time.

utterance: OK. Thank you so much, Mr. Robinson for your time and patience. Again, my name was Natasha and I hope you enjoy the rest of your day, sir.

utterance: You too. Bye bye.

utterance: Thank you.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank, my name is Ava, and I will be assisting you today. How can I help you?

utterance: yeah so I have a couple things. First off I would like to check on some exchange rates between here and the euro and I also would like to change my phone number as well.

utterance: OK, not a problem. That those shouldn't take us very long.

utterance: Not a problem.

utterance: just to access your information may I have your first and last name please?

utterance: yeah it's Kaleb.

utterance: I'm sorry can you spell that for me?

utterance: It's K A L E B.

utterance: OK, and your last name?

utterance: Rodgers. R O D G E R S.

utterance: OK Kaleb, may I please have your four digit PIN number?

utterance: yeah yeah, it's

utterance: Three one eight seven.

utterance: Three one eight seven?

utterance: that's right.

utterance: Three one eight seven.

utterance: OK. I'm just pulling up your account information.

utterance: All right.

utterance: All right, and lastly if you can verify your date of birth for me?

utterance: Yes.

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

utterance: OK, very good. OK, all of your information is pulling up for me. and I do see here that you have a your checking account with us, the savings account as well as your wealth management account. Would you like the phone number changed for all of these?

utterance: All right great.

utterance: Yes

utterance: Please, thank you.

utterance: All right. So I see the old number is area code three two three.

utterance: Yes,

utterance: That's the that's it.

utterance: Eight oh four six. I just have to read it back to you.

utterance: That's it.

utterance: OK.

utterance: Come on.

utterance: six six four two.

utterance: Yes. That is it.

utterance: All right.

utterance: OK great. So give me one moment while I go to the system to pull it out of each one. All right. I'm still doing it . That's OK, I have to go to three different screens. One moment. OK, I have deleted that. What is the new phone number?

utterance: Sorry.

utterance: Three one eight, two three four, five.

utterance: Eight

utterance: One. I'm sorry sir I'm typing as we're talking.

utterance: Eight

utterance: One eight.

utterance: Mhm.

utterance: Two one four.

utterance: Mhm.

utterance: Five three seven six.

utterance: Alright, very good. Alright I'm gonna go ahead and change this in each screen, one moment please. You'll hear about fifteen to twenty seconds of silence.

utterance: Jesus.

utterance: OK, very good, I have changed all that for you and just for your convenience know that you can also do this online.

utterance: Alright thank you. So now I want to check out another thing. I want to check out the exchange rate for pesos to the American dollar please.

utterance: OK great and I'll be glad to do that for you and again that service is also available for you online.

utterance: OK. I'll make sure to use that next time.

utterance: Mhm. Alright so right now, the peso is coming in, and this is as of today, at six point excuse me point six five compared to the dollar.

utterance: Said point six five?

utterance: Mhm, no I'm sorry. Point six five. That is for today. You can also go back and look at it for the past couple of quarters if you'd like, I'd be happy to do that.

utterance: No that's OK, instead I want you to look at the euro.

utterance: The euro? OK one moment. Alright, and as of today, the euro is actually neck and neck with the dollar it's coming in at point nine eight. So it's almost equal value.

utterance: Yeah.

utterance: OK,

utterance: Are there any other currencies you'd like me to check for you?

utterance: No yeah, I. Can you check the yen please?

utterance: The yen? All right. One moment. Alright, and as of today the yen is coming in at point eight five.

utterance: All right.

utterance: Point eight five, OK, so the peso that was point six five?

utterance: Correct.

utterance: OK, K, OK I I think I There I got it. Got it. OK.

utterance: Very good is there anything else I can do for you today?

utterance: no we got the OK I think that's that should be everything.

utterance: OK, great. Well thank you so much for calling Intellibank, and I hope you have a good day today.

utterance: OK, have a good one.

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 I'm trying to expand my business and I'm interested in buying another warehouse. can you tell me or who I have to talk to for that. Or can you help me with that?

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

utterance: Yes it's Jill Baker.

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

utterance: You can call me Jill that's fine.

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

utterance: Yes I I do.

utterance: All right Jill. And your saying your wanting to purchase a new warehouse for your business is that correct?

utterance: Yes that's right.

utterance: All right Jill so would you like to hear about our loan options? We have a couple that I think may fit what you need.

utterance: yes that be great. Can you help me with that?

utterance: OK. So based on what you told me what I'm thinking is is that we have two loan options that may work for you. So we have the SBA five oh four loan and the SBA seven A loan. So the SBA seven A loan is a business administration loan offered to small businesses where they assume some of the risk for the bank. So that way the bank can approve these loans when the business debt may be a little bit higher than is allowed normally on one of our normal loans. the government guarantees some of that loan amount and then can assist interest rates and limiting the loan fees with the bank. So that's what the SBA seven A loan does. But the SBA five oh four loan it's specifically for purchase of real estate related to businesses. With the five oh four loan the government assumes some of the risk for the loan too. so it's easier to get approved just like the other. And they offer some better terms and lower interest rates than normal business loans. Since your interested in purchasing a property with this loan. I'm gonna probably recommend that five oh four loan for you. How do you feel about that?

utterance: Yeah, so that does that sounds a lot like what I'm looking for. can you tell me how I apply for that?

utterance: Yeah so I just need to get some information from ya. If you'd like to apply for that. What is your account number Jill?

utterance: So my account number is three four six zero two nine nine eight. and do you need my social too? That's eight four seven two zero nine three zero zero.

utterance: Thank you Jill so right now I only need your account number but I'll get that social security number from you again here shortly OK? What is the name of the business.

utterance: it's Johnson Control.

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

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

utterance: OK and this account has a four digit pin number on it for security purposes. Could you share your pin number for me?

utterance: Yes that's six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: OK and what is your address there?

utterance: It's five three nine Houghton Road.

utterance: And your ZIP code?

utterance: That will be seven three eight two zero.

utterance: All right Jill can I also get a social security number for you?

utterance: Sure it's eight four seven two zero nine three zero zero.

utterance: All right Jill, and do you have a driver's license and if so what's the driver's license number?

utterance: Yes I do have a driver's license it's Emmison Mary nine three seven zero zero two zero zero.

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

utterance: It's a Missouri license.

utterance: All right Jill and are you the only owner of the business, or do you have a partner?

utterance: No, I'm the only owner.

utterance: OK. And when did your business open?

utterance: it's opened at April twenty-ninth of two thousand and eighteen.

utterance: OK Jill. And what would you say your business grosses annually? Do you what what the last report you had for your gross annual was for last year?

utterance: I believe last year it was five hundred and ninety thousand for the year.

utterance: OK, and what is your tax ID number?

utterance: Give me just one second to find my sales tax license. One second here I'm so sorry. OK so my Missouri tax ID is seven three eight eight two nine zero.

utterance: All right. And what is the address of the business?

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

utterance: Thank you Jill, and can I also confirm an email address for you?

utterance: Yeah that's J Baker J Baker J as in jewel at Johnson Controls dot com. So it's J Baker at Johnson Controls dot com.

utterance: All right and do you receive your mail from Intellibank at your business address or your home address?

utterance: You can send everything to the business address, that's fine.

utterance: OK. And Jill you said you were. You wanted to use this loan to purchase a property correct?

utterance: Yes that's right.

utterance: And what is the address of the property that you are looking at?

utterance: so it's eight four three seven. And that's West Buckley Road In Kansas City Missouri.

utterance: All right and what is the ZIP code for that business? I'm sorry for that location?

utterance: It's three eight four nine zero.

utterance: OK. And Jill do you happen to know what this property is currently listed at? And how much or how much you would be looking to borrow?

utterance: So the property is a hundred and ninety thousand. So I'm pretty sure that would be what I need I need a hundred and A hundred and ninety thousand for sure.

utterance: OK. And will you be putting anything down towards the loan?

utterance: I could probably do five percent down if we could do that.

utterance: OK. So five percent down of that balance would be nine thousand five hundred dollars. is is that what you are wanting to do? Is Nine thousand five hundred?

utterance: I could probably. can we just make it ten thousand? I could probably do ten thousand.

utterance: All right. And I'm gonna mark you down for the ten thousand dollar down payment. And what term are you looking for?

utterance: can I do a thirty year for that amount? A thirty year term. Would that be possible?

utterance: Yep. I can definitely put you down if that's what your requesting. Jill I think that I have everything that I'm gonna need. What I'm gonna do now is I'm gonna try to send this loan through to see If I can get a pre-approval for you OK?

utterance: Yes that's okay. So this is the MBA five oh four though that I'm still applying for correct?

utterance: Yes. So the loan is actually called the SBA five oh four not MBA. But yes this is a loan that you are applying for today. And I'm sending your information through now give me just a few moments. OK. All right Jill so I did get pre-approval for this loan for you. So what I'm gonna do now is I'm gonna email the, you a link to our loan portal. that will, with that link that you'll get. You'll get a list of documents that I'm gonna need for you to provide. Once you access that email if you can upload those required documents there then a loan agent will review over theirs and then she will reach out. I'm sorry then they will reach out to assist you with that loan process. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance. And that the loan will not be secured until all information is provided and we and can be verified. Did you have any questions regarding that process?

utterance: OK. So you said I'll get an email with everything I need to send then correct?

utterance: Yes. Yup that's correct so I'm sending you an email now with all those documents. and also with the portal links. So I'm gonna send all that to you now. Just whenever you get it if you have any questions on it you can always give us a call back. But it should be pretty specific to ya as far as what we need you need to upload. And then. Like I said one of those loan agents will reach out to you. Is there anything else I can help you with today?

utterance: Nope I think that's everything. Thank you.

utterance: Not a problem Jill thank you for choosing Intellibank and you should receive that email shortly.


utterance: Hello and thank you for calling Intellibank. This is Brendon. How may I help today?

utterance: Hi, Brandon. Just calling to update my street address and also apply for an S P A seven A loan.

utterance: All right, we can do that for you. So I think the well yeah we'll actually gonna have to update your address first. So let's start by logging into your account. To do that I'm gonna need your full first and last name as it appears on your account.

utterance: That's Fred Warner.

utterance: All right, thank you, Mr. Warner. And what is your date of birth?

utterance: June eighteenth nineteen sixty seven.

utterance: All right, and what is your four digit PIN?

utterance: Three eight four four.

utterance: And your six digit account number?

utterance: One two seven one seven seven.

utterance: All right. And. In order to make changes to your account, I am going to need to ask you your security questions. What was your first pet's name?

utterance: Roger.

utterance: And what is the name of the street that you grew up on?

utterance: Elmdale Boulevard in Cincinnati Ohio. And my high school was called Roseweld.

utterance: Oh, that's OK. I'm not gonna need that but I am gonna need your mother's maiden name.

utterance: Ah, McMartin.

utterance: All right. OK. And I'm gonna need your current street address that you are changing.

utterance: Yes, So the current one. You mean the the one I'm moving from?

utterance: Yes.

utterance: Oh, I'm sorry. It's seventy-two Elk court in Cleveland Ohio. Eight four zero three zero.

utterance: All right.

utterance: And the new one. Do you need the new one?

utterance: I do need the new one but hold on one second. this is just Takes a moment for this things to get updated in the system. All right, now go ahead with the new one.

utterance: OK.

utterance: The new address is seventy-five thirty-eight Wildflower way Sandusky Ohio. Seven one three six four.

utterance: OK. Great. So that is all changed. And I won't have to reask you for any of this information again since we already confirmed it and changed the address. So if you're ready, let's go ahead and move forward with that S P A seven A loan application.

utterance: OK.

utterance: And to do that I'm going to need your social security number.

utterance: Social is four five one four five three eight nine nine.

utterance: All right, and I'm gonna need your driver's license or state issued ID number.

utterance: It's A as in apple seven four two three six five zero.

utterance: All right, and I need your tax ID number.

utterance: Six oh three three five five one seven nine.

utterance: All right, and I'm gonna need your email address.

utterance: It's Fred said best at Gmail dot com.

utterance: All right, and I'm gonna need the business name.

utterance: Sure. it's Superb auto body.

utterance: All right, and are you the sole owner?

utterance: I am.

utterance: And when was that business established? I'm gonna need the exact date.

utterance: Ah. November eleventh nineteen ninety.

utterance: Okey-dokey. And what is your gross annual income?

utterance: Eighty-six thousand.

utterance: The purpose of the loan?

utterance: We wanna expand and open up a second shop.

utterance: And what is the amount that you are looking for?

utterance: A hundred and fifty thousand dollars.

utterance: All right, I have submitted that loan request. You will receive response in seven to ten business days. Is there anything else I can help you with?

utterance: That should do it.

utterance: Then thank you for calling Intellibank and have a wonderful rest of your day.

utterance: You too. Thank you.

utterance: Bye.


utterance: Hello and thank you for calling Intellibank. This is Brian. How may I help you today?

utterance: Hi Brian. I this is Mason. I just wanted to set up some automatic billing. so I've my company just took on a big client. So I'm hoping that we can get this set up so that there's no. There's no down time between out jobs.

utterance: Absolutely. I can definitely help you with that. to get started let's pull up your account. I'm gonna need your full first and last name as it appears on your Intellibank account.

utterance: Yeah. So the first name is gonna be Mason. M A S O N. The last name Fleming. F L E M I N G. So just one M in Fleming.

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

utterance: So the date of birth is gonna be nine sixteen. Seventy.

utterance: All righty. And I'm gonna need your account number.

utterance: Account number is gonna be four two nine two seven one.

utterance: And your four digit PIN?

utterance: So the four digits eight nine two nine.

utterance: All right. Just give me a moment here while I pull up your account.

utterance: All right. Thank you.

utterance: All right. So I have your account all pulled up. Which one of your accounts with us did you want that money to go into? Your savings or your checking?

utterance: if I can do the checking account that'd be great.

utterance: OK. And moving on we're gonna need to get the info of the person who we will be billing. So to start let's get their full first and last name.

utterance: All right so her name is gonna be Daniella. That's D A N I E L L A last name is gonna be Hamilton. H A M I L T O N.

utterance: OK. And can I get a email address for them in which we'll be sending this to.

utterance: Yes. so it's gonna be D Hamilton. So the first initial, last name. D H A M I L T O N at Gmail dot com.

utterance: Mm. OK. And I'm going to need their account number.

utterance: The account number is nine five six two seven eight.

utterance: And do you have their nine digit routing number?

utterance: Yeah. The nine digit number here is one one three seven nine nine eight two seven.

utterance: All right. Sorry just pulling this up here. This takes a moment.

utterance: Not a problem.

utterance: OK. And I'm also just gonna need to get their physical address in case we need to send them stuff in the actual mail.

utterance: Yes. so the address for Daniela is going to be six nine four one. Mcloughlin Villages, Sean Fort, Louisiana. did you want me to spell out the the Mcloughlin for you?

utterance: no I think I have it.

utterance: OK. .

utterance: And

utterance: That has gone through. Is there anything else I can help you with today?

utterance: Nope. that's it. As long as we get the payment we can get started.

utterance: Great. Well then thank you for calling Intellibank. You have a wonderful rest of your day.

utterance: Thank you. Bye.


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

utterance: Hello Cassandra, I found a big climb for my starter business now. I just needed to apply I just need to apply for a line of credit to cover some new business expenses.

utterance: All right sir, I can definitely help you over the phone today. First I need to get a little bit of information you from you so I can go ahead and apply for the line of credit through our system.

utterance: OK.

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

utterance: Yes, first name is William. Last name is Grayson.

utterance: OK Mr. Grayson, can I have your street address next?

utterance: Street address is thirty-five seven eight Clinton Street.

utterance: OK sir, and the city?

utterance: Little Rock.

utterance: The state?

utterance: Arkansas.

utterance: And that ZIP code please?

utterance: Seven two two one one.

utterance: All right, thank you sir. So you gave your address as thirty-five seven eight Clinton Street in Little Rock Arkansas ZIP code seven two two eleven?

utterance: Yes.

utterance: Thank you so much sir. Can I next have your social security number please?

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

utterance: All right sir, you said four three two eight six three nine six nine?

utterance: Yes ma'am.

utterance: All right, thank you so much for that and what is your driver's license number please?

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

utterance: All right, and what state sir?

utterance: That's in the state of Arkansas.

utterance: OK, so that number was four eight two two one nine one nine four in the state of Arkansas?

utterance: Yes ma'am.

utterance: All right thank you so much sir. And for authentication purposes, could you give me the account PIN associated with this bank sir?

utterance: Yes, the PIN is five five two three.

utterance: All right sir, thank you for that and what is the email of choice you would like on file with us?

utterance: The email I would like on file is Grayson W S A S twenty ten at Gmail dot com.

utterance: All right sir, I'll make a notation of that and could you give me your business name as well?

utterance: yes Shucks Auto Supplies.

utterance: OK.

utterance: Sir, that was Shucks Auto Supply?

utterance: Yes ma'am.

utterance: All right, thank you for clarifying that and are you the sole owner of this business?

utterance: Well yes I am.

utterance: All right sir, and when was that business established?

utterance: That business was established on nine five of two thousand ten ma'am.

utterance: OK

utterance: You said September fifth twenty ten?

utterance: Yes ma'am.

utterance: All right thank you sir and what is your gross annual sales?

utterance: The gross annual sale is two hundred and twenty-five thousand dollars.

utterance: All right, you said two hundred and twenty-five thousand?

utterance: Yes ma'am.

utterance: OK sir, and what is the tax ID number associated with this business?

utterance: The tax ID number is five six five four three four six six zero.

utterance: All right sir, that was five six five four three four six six zero?

utterance: Yes ma'am.

utterance: All right thank you so much sir and could you give me that business address next please?

utterance: Our business address is five fifty-one Lincoln Drive.

utterance: And what city sir?

utterance: That's in Little Rock.

utterance: And what's the state?

utterance: That would be Arkansas.

utterance: And the ZIP please?

utterance: The.

utterance: ZIP code is seven two two one one.

utterance: All right, thank you so much sir and what mailing address would you like to list with us for your business information? Is that your home or business address sir?

utterance: This is my business.

utterance: All right sir, is that the five five one Lincoln Drive Little Rock Arkansas seven two two eleven ZIP address?

utterance: Yes ma'am.

utterance: OK.

utterance: OK sir, thank you so much for that information and what will be the purpose of this loan sir?

utterance: I need to purchase some equipment.

utterance: All right, for equipment purchase.

utterance: All right, and what is the credit limit you would like for this line of credit?

utterance: Yes.

utterance: that credit in the name on there for the line of credit is twenty-five thousand.

utterance: OK, so you'd like to apply for twenty-five thousand line of credit with us?

utterance: Yes.

utterance: All right sir, could you gimme just one moment while I complete your credit application in our system please?

utterance: yes, certainly. man. So have you so have you so are you gonna make any New Year's resolution? I know I made mine, so I read about, I don't know if I'm gonna stick to it.

utterance: actually this year year I think I'm gonna bypass the New Year's resolution. So far I've learned that you have no idea what the year's gonna bring you so.

utterance: Exactly, amen

utterance: these past two years any resolution has been thrown out the door really fast so.

utterance: Oh yeah.

utterance: So don't plan too far ahead of time or you don't know what it gonna bring you.

utterance: Absolutely sir, absolutely.

utterance: Just.

utterance: Go with the flow.

utterance: That's right Mr. Grayson, that is correct. All right Mr. Grayson, I've gone ahead and processed this line of credit application in our system. We're gonna need you to send in some supporting business documentation so we can go ahead and process the final results of this application. We can receive this through your email, online through your sorry online bank with us and if you want to, you can also send it to us via fax. That is the quickest way we can access these documents. So as soon as you get those back to us, we can go ahead and finish processing your application and then we'll be able to get back to you with the results.

utterance: All right sounds great.

utterance: All right, thank you so much sir for your time and patience. Is there anything else I can do for you?

utterance: Oh, that's about sums it up.

utterance: All right, thank you Mr. Grayson. Again my name's Cassandra and I hope you enjoy the rest of your day sir.

utterance: All right, you have a good holiday.

utterance: Thank you, you too sir.

utterance: OK, bye bye.

utterance: Bye bye.


utterance: Good afternoon thank you for calling Intellibank. My name is Celeste how may I assist you today?

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

utterance: You'd like to apply for a term loan?

utterance: Yes, thank you.

utterance: All right and I'd be happy to help you with that. We can do this application right here over the phone.

utterance: OK.

utterance: And I just want to advise you to please make sure that you have your tax ID number and your driver's license handy as I will be asking for that information as well.

utterance: yeah I have it. Thanks.

utterance: OK. Terrific All right if you can spell your first and last name for me?

utterance: first name is Lisa, last name is M I D D L E S T I N.

utterance: let me just make sure I got that correct. M I D D L E S T I N?

utterance: Yes that's right.

utterance: Thank you.

utterance: And Lisa may I please have your home address?

utterance: My home address is twenty-one fifty-two North Place, San Francisco California nine nine one one three.

utterance: Nine one.

utterance: Nine nine one one three.

utterance: Thank you. I'm sorry, I'm typing as fast as I can.

utterance: That's OK. If we could really hurry this along I'm I'm on a lunch break, I don't have a lot of time here.

utterance: Understand. I'm we do I'll do my best for you. I just have to get all the information into the system.

utterance: All right fine.

utterance: No problem. All right Lisa your social security number?

utterance: Oh God yeah ready?

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

utterance: Yes.

utterance: I'm so sorry. Six one three.

utterance: One two seven three five six.

utterance: Thank you so much and Lisa your driver's license number and the state it was issued from?

utterance: California that's A seven one three five five one two.

utterance: Thank you so much and you have a four digit PIN associated with your other accounts?

utterance: yeah it's five two three nine.

utterance: Five two three nine. Thank you and Lisa what is the best email address for you?

utterance: Oh my god you guys ask for a lot of information Lisa Middlestin at Yahoo dot com.

utterance: Thank you and Lisa Middlestin is all one word?

utterance: Yes.

utterance: Thank you. and Lisa are you the sole owner of the business?

utterance: I am.

utterance: OK and the approximate month and then the year that the business was established?

utterance: February of twenty seventeen.

utterance: Thank you so much and what were the gross annual sales for the year twenty twenty?

utterance: fifty thousand.

utterance: Fifty thousand, OK. and what is your tax ID number?

utterance: five seven three four.

utterance: Five seven three four.

utterance: Yes.

utterance: Thank you so much and Lisa what is the address where your business is located?

utterance: twenty-one fifty-two Halls Place.

utterance: Spell Halls for me please.

utterance: H A L L S.

utterance: Thank you. Place.

utterance: Place.

utterance: San Francisco one one zero five nine.

utterance: Zero five nine. Terrific and the mailing address, is that the same as your business address?

utterance: Uh-huh.

utterance: Thank you.

utterance: Can I just ask where you're where am I calling?

utterance: Where the call center is located?

utterance: Yes.

utterance: Yes ma'am. I'm in Oregon although we do have call centers all over the United States.

utterance: Oh OK. Thank you.

utterance: OK all right the what is the amount of the loan that you would like to apply for?

utterance: Fifty thousand.

utterance: Fifty thousand even?

utterance: Mhm.

utterance: Thank you. all right and then the purpose of your loan?

utterance: The purpose of my loan is to expand my business.

utterance: All right and if I can just get a little bit more clarification. Are we talking about a physical expansion? Are we talking inventory?

utterance: it's a hair salon I want to also include facials.

utterance: OK so you. OK so would that require a buildout or are we keeping things the same as far as the physical location?

utterance: So a spa. I guess to turn it more into a spa.

utterance: it's the same.

utterance: OK great and would the loan be going to any towards payroll?

utterance: no.

utterance: OK terrific. That's pretty much all the information I need. I'm uploading it into the system right now please be advised we will just need a copy of your tax ID and your driver's license and I sent you a link where you can upload that into the system.

utterance: OK, thank you.

utterance: Thank you so much. Do you've any other questions I may answer for you today?

utterance: No that's it. Thank you.

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

utterance: Thanks.