utterance: Hi, thank you for calling Intellibank, my name is Ashley, and how may I assist you today?

utterance: Good morning Ashley, how are you today?

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

utterance: I'm doing quite well. The reason I'm calling you this morning I need to find out what kind of business documentation I'll need for a loan.

utterance: OK, I'd be more than happy to provide that information for you, ma'am. what you would need for a loan, for our credit card applications or to apply for a line of credit would be we need your business license two years of your personal tax returns. two years of your business tax returns, and also two years of your year end financial statements.

utterance: All right, and once I get this information, how will I get is back to you?

utterance: OK ma'am, you could either email it to us, mail it or you can fax it.

utterance: Can I have your fax number please?

utterance: Absolutely, our fax number is area code seven zero one, six nine three one one two zero.

utterance: Let me read that back to you so I make sure you get it. seven oh one, six nine three one one two zero.

utterance: Yes ma'am that is absolutely correct. And is there anything else I could assist you with today?

utterance: I'd like to apply for a line of credit.

utterance: All right, I'd be more than happy to assist you with that application today, ma'am. I do need to get some information from you for the application. May I have your name please.

utterance: Yes ma'am. I'm Sandra Evans. And I live at two oh seven two Fiddler Drive in San Antonio, Texas.

utterance: OK, thank you so much for that, I have your first name as Sandra, S A N D R A your last name is Evans, E V A N S And then I have your home address as two zero seven two Fidler, now is the F I D D L E R or F I D L E R?

utterance: F I D L E R.

utterance: Thank you so much, so two zero seven two Fidler Drive, in San Antonio, Texas?

utterance: Correct.

utterance: Thank you, and may I have the ZIP code, please?

utterance: Seven eight two one two.

utterance: All right, seven eight two one two and may I have you social security number please?

utterance: Yes ma'am, my social is six three three two zero seven seven four seven.

utterance: All right, I have six three three two zero seven seven four seven?

utterance: Correct.

utterance: Thank you, and may I have your drivers license number please?

utterance: Yes ma'am, the drivers is eight four eight nine four seven one seven.

utterance: Thank you, I have your license number as eight four eight nine four seven one seven?

utterance: Correct.

utterance: Thank you, and what state is that issued?

utterance: In Texas.

utterance: Thank you so much, in Texas. All right Ms. Evans, we will also need a four to eight digit long pin number for you, so whenever you call to either check the status of your application or to access any information about your account, we will require that number just for security purposes.

utterance: Six one seven one.

utterance: All right, six one seven one.

utterance: Correct.

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

utterance: Yes ma'am, it's S E V A N S at thirteen at Gmail dot com.

utterance: OK, so S E V A N S one three at Gmail dot com?

utterance: Yes ma'am.

utterance: All right, thank you so much. And what is the name of your business?

utterance: Sassy Curls.

utterance: Sassy Curls? All right, thank you so much, and are you the sole owner of this business?

utterance: Yes ma'am, I am.

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

utterance: December first, two thousand eighteen.

utterance: All right, December the first, two thousand eighteen, and what are you gross annual sales?

utterance: seventy thousand.

utterance: All right, seventy thousand, thank you ma'am. And may I have your tax identification number please?

utterance: Yes ma'am. My tax ID in nine two two nine nine seven oh six six.

utterance: OK, I have nine two two nine nine seven zero six six?

utterance: Correct.

utterance: Thank you, and may I have the address of your business please?

utterance: Yes ma'am, it's located at eighteen seventy-four Lake Road San Antonio, Texas.

utterance: Thank you, I have one eight seven four Lake L A K E road in San Antonio, Texas?

utterance: Correct.

utterance: Thank you, and may I have that ZIP code, please?

utterance: Yes ma'am, it's seven eight two one two.

utterance: Seven eight two one two, thank you. And we also need a mailing address for you, that can either be your home address or your business address.

utterance: I prefer your send it to my business.

utterance: OK, the business address, and just to verify that is the one eight seven four Lake Road, San Antonio, Texas. Seven eight two one two?

utterance: Correct.

utterance: Thank you so much and what would you like your credit limit to be?

utterance: five thousand.

utterance: All right, five thousand dollars. And would the purpose of that be?

utterance: We're needing to replace some equipment and supplies and I just like to know that I'm able, something comes up that I'll be able to get the credit when I need it.

utterance: OK, OK I completely understand, so the loan purpose would be equipment purchase cost, basically?

utterance: yes ma'am.

utterance: OK, wonderful. All right, and Ms. Evans, that looks like I have all the information needed to complete this application now just make sure and please send in your supporting business documentation and we will get back to you just as soon as possible with results of your application, OK?

utterance: Yes, ma'am.

utterance: All right, well thank you so much Ms. Evans, is there anything else I can assist you with?

utterance: No I'll be busy for a few minutes, getting all this documentation up, but I'll get it in the mail, I mean I'll fax it as soon as possible.

utterance: OK, well thank you so much, Ms. Evans, for calling Intellibank and you have a wonderful day.

utterance: Thank you.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes, I called earlier about my checking account balance. but I'm calling back because I was I wanting to get information about the five hundred loans. I didn't have time at that time to do it.

utterance: OK, not a problem and I'll be happy to assist you with that ma'am. If I could ask what's your first and last name?

utterance: Evelyn Richards.

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

utterance: Jones Bed and Bath.

utterance: OK, that's Jones Bed and Bath?

utterance: Yes.

utterance: And, Ms. Richards, I'm gonna ask a few questions in order to verify your account. because we do take your account security seriously here, and of course I'll be just wanting to know if you're OK with me asking these questions?

utterance: OK, that'd be fine. And, I also wanna know what the branch hours are.

utterance: Sure, sure. The hours of the branch are Monday through Friday, from nine a.m. to five p.m. and Saturday from nine a.m. to noon.

utterance: OK, that's good.

utterance: OK, and Ms. Richards just so that you of course are the. Well, again, to verify the account, if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

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

utterance: Ten seventy-five Laymans Court, Serona Georgia, three zero zero zero two.

utterance: Terrific, terrific, and Ms. Richards what is your phone number on your account?

utterance: Six seven eight three six one eight zero three one.

utterance: All right, and Ms. Richard's, what is your account number with us?

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

utterance: OK, and finally, what is the pin number on your account?

utterance: One zero one seven

utterance: Now, Ms. Richards, you mentioned that you wanted to find out about the five hundred loans?

utterance: Yes.

utterance: OK yes well what we do offer here are SBA five oh four loans. and with the SBA five oh four loans they are very attractive because they really offer really amongst the lowest interest rates we offer on any of our loans. And, they offer for a pretty good amount of capital you know up to a several million dollars that you're able to if you are able to qualify for financing. And the approval process is a little bit streamlined because of the fact that. In part, the loan is backed by the Federal government.

utterance: Ok, great, I definitely like all that you information that you gave me and the low interest and all of that. So what documents would I need to get to apply for that loan?

utterance: Sure. well, I mean, great question. in order to apply ma'am for the SBA, I, it's actually the five oh four loan what that is available to you is. We only require two years of your personal income taxes. Returns. Two years of your business tax returns. Two years of your year-end financial statements and your business license.

utterance: All right, OK. I appreciate that. Well you know I tell you, I am definitely gonna be considering this. And on that note I wanna just tell you that I am so excited about the Brave's winning the series. I can't say it enough and I won't. I am so glad about that win and that victory for this city.

utterance: Well, I mean congratulations to you and the city there the. Of course World Champions are the Braves and they really did put on a show there during the World Series.

utterance: They really did and I like how you said that. It's good to hear the name World Champions.

utterance: Yes ma'am, yes ma'am. Well, you should be proud. they played very well against a very good team and they beat them pretty handily.

utterance: They really did.

utterance: hopefully, some of the Houston fans recover next year.

utterance: Well some them. I'm hoping we'll take it again but for right now I'm just gonna absorb all the fact that we won for this year.

utterance: Yes ma'am, yes ma'am. Well, with that said, yes, as it relates to the SBA five oh four loan, those are really all of the documents that you need to submit to us. And, of course, we take the actual application asking you certain basic information such as address and phone numbers and Social Security numbers and things like that. But, other than that the documents that we would need is what we just mentioned and that's all. generally, we turn it over to our Loan department. They review your application along with the documents. and if you can submit those documents a the at the time of your application it really makes it potentially same day we can inform you of the your funding being approved.

utterance: OK, well good. I should definitely be able to easily get this information.

utterance: Terrific. Well, Ms. Richards, is there anything else I can help you with?

utterance: No, not today. Thank you for all your help.

utterance: Thank you and you have a great day.

utterance: You too, bye bye.

utterance: Bye.


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

utterance: yes. Hi yes. I was just wondering if you guys know anything about stock pricing. I was just trying to find out how to just get stocks for whatever they were in at the time. Does your company offer anything like that?

utterance: Yes sir. Our bank certainly does. We offer our clients the ability to purchase stocks using a market order. That means you'll pay whatever the current price is on the stock market for that day is. Would you like to go ahead and purchase some stock using a market order today?

utterance: All right. Yes. That's great. I would like to do that. If you don't mind.

utterance: All right sir I can certainly help you with that. First I need to get a little bit of information from you so that I can set up your stock market order in our system if you don't mind.

utterance: All right.

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

utterance: Yes my first name is Gabriel.

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

utterance: Yes my last name is Robinson.

utterance: OK. So Gabriel Robinson can I have your date of birth sir?

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

utterance: All right you gave your date of birth as ten twenty-four nineteen seventy-four.

utterance: Yes.

utterance: OK sir. I'm gonna need your account number on file with us.

utterance: All right. My account number on file is four five three nine six eight five four my account. sorry about that. My account number is four oh nine five five two three one five seven.

utterance: All right sir. your account number listed is four oh nine five five two three one five seven. Is that correct?

utterance: Yes.

utterance: All right. Thank you so much for giving me that information sir. Could you tell me the stock symbol for the stock you would like to purchase today please?

utterance: Yes A M Z N.

utterance: All right so you would like to purchase some Amazon stock today. Is that correct?

utterance: Correct.

utterance: OK sir. So how many. What is the number of shares you would like to purchase today?

utterance: We're gonna do five please.

utterance: All right. So you wanna purchase five shares of Amazon stock.

utterance: Yes.

utterance: All right sir. I can advise you that Amazon stock is currently trading at three thousand five hundred and nineteen dollars today. That is a one point two percent since the previous closing day.

utterance: OK.

utterance: All right. In order to purchase five shares that's gonna total. You out at around sixteen thousand dollars.

utterance: OK.

utterance: All right we're gonna pull that directly from the account on file. If that's all right with you sir.

utterance: Yes that's all right.

utterance: OK. So could you give me just one moment while I process your market order request in our system please?

utterance: I sure will. Boy it's getting cold out here. I'm not sure if I'm ready for such a late winter. is it cold where you. is it cold where you are now?

utterance: Yes sir. I'm actually in Alaska. So it's very cold here.

utterance: Oh wow.

utterance: It stays cold here so I'm actually very used to this cold weather.

utterance: I couldn't get used to cold weather like that.

utterance: Oh no. I've actually. I've visited the south the United States recently and I was I. I just could not understand how I could get back home and just get used to it again but I managed to. To prevail.

utterance: Oh wow.

utterance: OK Mr. Robinson I've already processed that stock market order for you in our system. You have purchased five shares of Amazon stock stock valuating at three thousand five hundred and nineteen dollars. The account file which is four oh nine five five two three one five seven and you should be able to look at your portfolio in our system. If you have online banking you can get that information right away and it'll show you that your you've purchased that stock today and you are now the proud owner of five more shares of Amazon stock sir.

utterance: All right.

utterance: OK sir. Is there anything else I can do for you today? Is there any other stock you'd like to purchase? Any other information you need from us?

utterance: Yes.

utterance: I'm just gonna leave it right there.

utterance: OK sir.

utterance: I'll see

utterance: Where that get me.

utterance: All right sir. Thank you so much. In the future if you wanna purchase any more stock feel free to give us a call or you can also go online at a our main site Intellibank dot com and go into your you know business account and then you'll be able to access that stock market information as well.

utterance: All right. Thank you.

utterance: All right sir. Thank you so much for giving us a call today Mr. Robinson. I hope you enjoy the rest of your day.

utterance: All right. Thank you Natasha.

utterance: Thank you too sir. bye.

utterance: All right bye.


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

utterance: Hey Dana how are you?

utterance: I'm doing pretty well. How are you today?

utterance: I'm doing good! so I I don't even know what what this is, it's so small business owner, customer of Intellibank and I was talking to a friend of mine, who's also a fellow business owner, and he just got one of these loans and I think I'm gonna be in the market for a loan as well cuz I I want add a second location to my business now and I was doing some looking and I found a a piece of property I want to buy for location number two. And, you know I was just wanna give Intelligent Bank a call and

utterance: I'm sorry, I don't mean to laugh. It's so funny, this happens like multiple times a day. Our customers call us Intelligent Bank, which we love cuz we are very intelligent, but it's Intellibank. Just to let you know!

utterance: I'm sorry, I didn't even realize I did that. I'm so sorry. I'm a like just on a four oh here. So so like I was saying you you know, I was just gonna call Intellibank and see if I can talk to obviously it's you today, but talk to a person about you know, I just gonna say, a mortgage loan or a real estate loan or or a loan to buy this piece of property but my friend he was saying, and I never even heard of this, that he recently got one in the last year of these I have it written down here, hang on. Cuz I I I never knew there was loans with numbers and letters in them S B A five oh four loan?

utterance: Right. Exactly, that's what it, that's what exactly I was gonna talk to you about, yeah. The S B A five oh four loan so it's a small business administration loan specifically for real estate. And it's where the government assumes some risk for the bank. so it's easier to get than some other loans and it has better terms than just regular S B A loans.

utterance: OK.

utterance: Well that that sounds, that sounds like a no-brainer to me!

utterance: Yeah.

utterance: how how do I get signed up for one of those?

utterance: Well.

utterance: I would love to help you get that application set up if you have a few minutes.

utterance: Excuse me.

utterance: Oh, are you okay?

utterance: Yeah! yes let's please go.

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

utterance: my name is Dean.

utterance: OK.

utterance: And the last name is Winslow, W I N. S L O W.

utterance: Mhm.

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

utterance: Oh my address is two thirteen. And that's Wilson Avenue.

utterance: Mhm.

utterance: OK.

utterance: And that's in Nashville Tennessee.

utterance: OK.

utterance: Three seven two zero five.

utterance: All right. And your social please?

utterance: the social is one seven nine.

utterance: Mhm.

utterance: One one two zero seven six.

utterance: OK Mr. Winslow. And do you happen to have your driver's license number on you?

utterance: I do, hang on one sec, let me get out my wallet!

utterance: OK, no problem.

utterance: OK. The number is three four.

utterance: Mhm.

utterance: Zero seven seven.

utterance: OK.

utterance: One eight one.

utterance: OK and what state is that issued through?

utterance: Tennessee.

utterance: All right. And your PIN number?

utterance: the PIN is nine nine seven one.

utterance: All right. And your email please?

utterance: It's D Winslow seventy-one.

utterance: Mhm.

utterance: Mhm.

utterance: At Gmail dot com.

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

utterance: Oh it's Winslow Recyclables.

utterance: OK. And are you the sole owner?

utterance: I am.

utterance: And when did you, what's the date that you established your business?

utterance: it is June tenth twenty fifteen.

utterance: And your gross annual sales?

utterance: hundred and seventy-five thousand a year.

utterance: And your tax ID number?

utterance: Mm let me look at that one for you.

utterance: OK that number is oh nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: All right.

utterance: And your current business street address?

utterance: It's oh my what is it? Oh it's all these addresses! Four oh eight.

utterance: Mhm.

utterance: oh I'm sorry. Sixty-first street.

utterance: OK.

utterance: And that's in Antioch Tennessee.

utterance: OK.

utterance: And what's the ZIP on that?

utterance: it's three seven zero one three.

utterance: OK. And do you want your mail to be sent to the business? Or.

utterance: Yeah, please.

utterance: OK.

utterance: All right, awesome. So the loan purpose would be expansion, expanding your business? Put that down as the reason.

utterance: Yeah it is.

utterance: Absolutely.

utterance: Yes.

utterance: All right. And what loan amount are you looking for?

utterance: hundred and fifty thousand dollars.

utterance: All right.

utterance: And what were you thinking for a loan term, like how long do you think you'll need to pay it back?

utterance: wow. twenty years?

utterance: Twenty years, OK.

utterance: All right. And what is the down payment percentage that you're looking to put down?

utterance: ten percent.

utterance: All right. All right so I have that all started for you, it's in the system. I sent you an email.

utterance: OK.

utterance: And so what you'll do is in in that email there'll be a link where you can upload your proper business documentation that we'll need from you.

utterance: OK.

utterance: there'll be a list of what we need. Once you, you know, once you do that, when you send it back to us right away, we can get started on the application process and then it'll take about twenty-four to forty-eight hours to give you an answer.

utterance: OK.

utterance: OK.

utterance: And that's it, so get that back to us as soon as you can. and Mr. Winslow is there anything else I can help you with while I have you on the line?

utterance: No, that's everything!

utterance: All right well, we look forward to working with you and thank you so much for choosing Intellibank and you have a great day!

utterance: Thank you, you too!

utterance: Bye bye.


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

utterance: Yeah, I'm needing to order new checks.

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

utterance: It's Jill Baker.

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

utterance: You can just call me Jill. That's fine.

utterance: All right, Jill. So you're wanting to order new checks for your business account, is that correct?

utterance: Yeah. It's a a business platinum checking account.

utterance: OK, Jill. we don't have a platinum checking account. Could you possibly mean our preferred checking account?

utterance: OK. Yeah, I'm sorry. I was getting that and my card confused. Yeah, it's the preferred.

utterance: OK, Jill. I just need to get some information from you real quick. What is your account number?

utterance: give me just a second, I need to find it. Hang on one second for me. my account number's three four six zero two nine nine eight.

utterance: All right, Jill. And what is the name of your business?

utterance: It's Johnson Controls.

utterance: OK, Jill. And can I also get your date of birth?

utterance: Yeah. March second of nineteen eighty.

utterance: OK, Jill. And this account has a four digit PIN number on it. Could you share that PIN number with me as well?

utterance: Yeah. That's six four seven eight.

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

utterance: Kansas City, Missouri.

utterance: OK. Jill, can I also a street address for you?

utterance: Yeah. It's five three Hooten Road and it's seven three eight two zero is the ZIP code.

utterance: Thank you for that, Jill. Can I also get a social security number please?

utterance: Yeah. Seven three eight zero two zero seven eight three.

utterance: OK. And what is the address of the business?

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

utterance: All right, Jill. And are you wanting these checks to be mailed to your home or that business address?

utterance: Can we just go ahead and send them to the business?

utterance: Yep. I can do that for you. Jill, can you confirm your email for me real quick?

utterance: Yeah. J Baker at Johnson Controls dot com.

utterance: All right, Jill. And do you know what type of checks you're wanting?

utterance: Yeah. it's the standard blue checks. On the form it's check number seventy-three.

utterance: OK. And how many checks were you wanting? We have books of twenty-five, fifty and a hundred and each box come with three books.

utterance: Can I do like a hundred checks?

utterance: Yeah. I can do that. So you're wanting the hundred the hundred checks in a in a book?

utterance: Yeah, that's right. Just yeah the the book with a hundred checks.

utterance: OK. And how many boxes of those checks were you wanting?

utterance: can I get ten boxes ordered?

utterance: Yeah. And what check number are we starting with on these checks?

utterance: So my last check was one zero zero nine so one zero one zero I think would be the starting check for the the order that I have.

utterance: OK. And, Jill, do you want the business name and address on those checks?

utterance: yeah. can I Yeah, can I put the phone number on there too and and maybe the website?

utterance: Yeah, Jill. I can add a phone number for you. That's no charge. and you can add a website to the check but it's a ten dollar and ninety-nine cent fee for that addition.

utterance: OK. is that like per box or?

utterance: Yeah so it is. It's poor per box of per box of three books. So you've got you'd be pay ten ninety-nine for each one of those one of those boxes that you purchased.

utterance: OK, yeah. Let's forget that. Let's just do the phone number.

utterance: OK, Jill. What is your phone number?

utterance: It's eight one nine nine zero nine two nine zero zero.

utterance: OK and that's the business phone number, correct? That's what you're wanting on the check?

utterance: Yeah, it's the business phone.

utterance: OK, Jill. So I have the order for ten boxes of a hundred count standard blue business checks. The total for that is going to be two hundred and six dollars and five cents. Did you want me to take those funds from your Intellibank preferred checking account?

utterance: yeah, please.

utterance: OK. Give me just a second and I'll place that order for you, OK? All right, Jill. I do want to let you know I'm going to go ahead and send you an order from I'm sorry, an order form for next time. Intellibank's actually making a couple of changes to their checks. It won't affect this order and all of your checks that you purchased now will still be valid throughout the term. I mean there will be no expiration on those checks but we are doing a couple different a couple different things designs basically for our checks that are gonna go into effect in February. So I'm gonna go ahead and send you that order form just so you can kinda get an idea of what's coming in the future. you should be able to order from that order form for checks starting in February but I'm gonna go ahead and just send that to you just so you have that information. And then I've I've got that order placed for you. Would you also like me to email you a copy of your order and your receipt?

utterance: Yeah if you could. That'd be great.

utterance: OK. I'm gonna email you that copy of your order and your receipt and then I'm also gonna owe you I'm sorry, I'm also going to email you a confirmation and basically that's just a confirmation from Intellibank and confirming. You'll just click the acknowledgment on it and that's just confirming that you're allowing us to make that transfer from your account to in order to pay for those those checks. So you'll receive that email. Just make sure that you go and acknowledge it because the order won't be officially place until that's done. I have them ordered, I have your email and your copy of your receipt sent to you. Was there anything else I could do for you today, Jill?

utterance: I don't think so. That's everything. Thank you.

utterance: All right, Jill. Well thank you for choosing Intellibank and you should receive those that email shortly and you should receive those checks shortly after that. Thank you.


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

utterance: Yeah what's the hours of of your branch?

utterance: Great question we are open Monday to Friday from nine a.m. to four p.m. and Saturday from nine a.m. to noon.

utterance: Oh okay.

utterance: Yeah I I received something that y'all were doing some incentive you know for a new lines of credit it is in and it was in October the fifteenth but that time is passed now and I'm.

utterance: Is there any way. You know I don't understand I I didn't get the information so I'm just wondering why I didn't get it.

utterance: Absolutely. Yes I'd be glad to pull that up for you.

utterance: Thank you very much.

utterance: let me see if I can find out exactly what we sent to you and see if we can go from there for you. Sir if I may ask what's your first and last name?

utterance: Benjamin Freeman.

utterance: And mister freeman what is your date of birth?

utterance: three twenty-six nineteen seventy and my phone number is four oh four two two seven six zero seven three.

utterance: All right, and Mr. Freeman, what is the name of the business under your account.

utterance: Ray's Rays construction company.

utterance: Okay terrific. and mister Freeman if I could just ask what is your account number?

utterance: Well the account number is nine eight four six five nine one two.

utterance: And final question here as far as verifying your account is the pin number. What is that for your account?

utterance: oh that's one seven zero nine.

utterance: Okay that's one seven zero nine?

utterance: Yes sir. One seven zero nine.

utterance: Alright terrific. yes. Let me see if I can get this pulled up for you here mister Freeman and assist you. And again certainly understand your concern there. As I review this, yes it does appear that we sent to your business address a notice about a promotion that we were doing for business opening up lines of credit. For those who do open up these additional lines of credit. We were offering an additional five thousand dollar bonus incentive for each line of credit opened over five hundred thousand dollars.

utterance: Oh wow, men I which I it got that. It's too late now.

utterance: Yes sir. I certainly understand that your correct as you mentioned earlier that particular promotion was through October the fifteenth and obviously today is October twenty-second. what happened here is it appears that it was mailed to your account and as I look at your account now that we've got it verified it appears that we don't have an email on file that might be something that we could add to the account because then you'd receive instant notification of when we send out these in the to our customers instead of having to wait for it to arrive via regular mail.

utterance: Mm.

utterance: Oh okay. I have the email you you ready for it?

utterance: Yes sir. Let me just get to that here. Yes go ahead with that.

utterance: is B Freeman one at rays construction dot com.

utterance: Okay that's B Freeman one at rays construction dot com?

utterance: That's correct sir.

utterance: Alright terrific.

utterance: Yeah cause man I hate that I missed that promotion but man I'm sure there'll be another time you know.

utterance: You know the good news Mr. Freeman is we generally do try to offer exciting promotions for our business clients such as yourself and I'm pretty confident that we'll have something similarly attractive in the future for you as well. generally speaking at least once a quarter.

utterance: Oh That sounds good I be looking out for that every four to five days.

utterance: Yes sir. Yes sir I've gone ahead as you've requested here and updated your account with the new email address that you provided for me mister Freeman. Let me just ask you said that you were hopeful of the new line of credit If you want I can just notate here on the system here for your account quickly. Is there any particular reason why you'd be looking for a new line of credit? Would it be for new construction? Would it be for new a supplies a equipment?

utterance: It'll be for some new equipment. Some of it has got a little wear and tear on it you know, kind of need tire patching on it. It's time to replace it.

utterance: Understood. I've gone ahead and notated that to the account that should our loan department our credit department consider you for lines of credit in the future that it may be geared towards equipment opportunities for you and we do try to tailor our services to whatever our client needs are.

utterance: I appreciate it. That sounds really good to me. Thank you for keeping me in mind.

utterance: mister Freeman is there anything else I could help you with?

utterance: Hey that will be all thank you so much.

utterance: Well terrific mister Freeman. We appreciate you giving us a call today and thankfully we've now gotten an email for you, so you shouldn't be missing out on anymore promotions in the future.

utterance: Appreciate it. Thank you so much. You have a good day.

utterance: Thank you, you as well.

utterance: bye bye.

utterance: Bye bye.


utterance: Good evening. Thank you so much for calling Intellibank. My name is Josephina and I am here to provide you with outstanding service. How may I assist you tonight?

utterance: Yes. Hello. I need to change my address.

utterance: You need to change your address? Is that correct?

utterance: That is correct.

utterance: I would be more than happy to help you with that. Who do I have the pleasure of speaking to this evening?

utterance: My name is Heather Sanitaria.

utterance: And is that spelled S A N A actually, I should probably have you spell it for me.

utterance: Yes, that's fine. It's S A N T I R I A.

utterance: Thank you so much. I would not have gotten that on my own. All right Heather S A N T I R I A?

utterance: Mhm.

utterance: OK great. I do see you here in our system. I just need to verify some information. your date of birth?

utterance: My date of birth is, Why do you ask me my date of birth? Instead of just give you my account number?

utterance: It's just

utterance: well we have to ask this for all of our all of our customers. It's just a security verification. If I will say though if you're not comfortable with this question, you do have three security questions saved, plus the other questions I ask. So I can do whatever your most comfortable with.

utterance: Yes. Why don't you ask me security question?

utterance: All right. you have three saved. I need to ask you two out of the three.

utterance: OK.

utterance: The first one is what is your mother's maiden name?

utterance: My mother's maiden maiden name is Sophia.

utterance: Her her last name?

utterance: Yes, her last name was Sophia. Her whole name was Sophia Sophia. It's a long long story.

utterance: All right.

utterance: OK. Not a problem. OK. Sophia. And as I put that in I see that that is accepted.

utterance: Mhm.

utterance: And the other question is what is the name of your childhood pet?

utterance: The name of my childhood pet was Heather. We both have the same name, I named her after myself.

utterance: Oh! Well that's just adorable. All right. So Oh and then the last question I have for you is you have a security PIN number. A four digit number that you created to protect your account. And may I have that number please?

utterance: zero two two five.

utterance: Zero two two five?

utterance: Mhm.

utterance: All right. One moment.

utterance: Mhm.

utterance: All right. Thank you so much Heather. The your account information is being pulled up and you would like to change your address? The address that we currently have on file is on Box Canyon Road. Is that the one that will be removing?

utterance: Yes.

utterance: All right. One moment while I take this out of our system. All right very good I have removed that and please provide me the new address you would like me to update.

utterance: the new address is one four five seven nine and that is Fieldcross Road.

utterance: Is that all one word?

utterance: Fieldcross is one word. Road is another word.

utterance: OK.

utterance: And that is in.

utterance: I'm ready.

utterance: I'm so sorry. I just forgot the name of the city. Oh! Fieldcraft Idaho.

utterance: I'm sorry, Fieldcroft? I.

utterance: Fieldcraft. F I E L D C R A F T.

utterance: Got it.

utterance: Idaho.

utterance: And the ZIP code?

utterance: ZIP is zip-a-dee-doo-dah, zip-a-dee-ay zip zip zip zip zip zip is nine one five seven nine.

utterance: I'm sorry nine one.

utterance: Five seven nine.

utterance: Five seven nine. OK.

utterance: Mhm.

utterance: Yes.

utterance: I'm going to Idaho to become a to study the genetic material of potatoes.

utterance: Well that sounds like a very ambitious project.

utterance: Yes. Not any potato but I'm going to study sweet potatoes.

utterance: Oh, I love sweet potato fries. I do have to say.

utterance: Me too, but you shouldn't eat fried food. I I don't mean to tell you what to eat or what not to eat.

utterance: No I I that's actually why I avoid them and probably only have I have them on cheat days once a month.

utterance: All right, well, that is OK.

utterance: My my trainer works me very hard so I do give myself one treat a month.

utterance: Yes as a potato scientist I also just feel that frying potatoes is sacrilegious. They should be eaten in their most natural form.

utterance: Well you know what I think I'll take you up on that suggestion.

utterance: OK. .

utterance: Heather, let me just verify your address. Is one four five seven nine Fieldcross Road in I'm sorry it's can you tell me the the city and the Oh, I'm sorry. I see it here.

utterance: That's OK.

utterance: It was just wasn't it wasn't generating. Fieldcraft, Idaho. Nine one five seven nine?

utterance: That's right.

utterance: OK. That has been updated and a confirmation to your email was just sent.

utterance: Thank you.

utterance: Ms. Heather is there anything else I can do to assist you tonight?

utterance: No you have been very satisfactory today thank you so much.

utterance: Thank you so much and there will be a survey sent out if you'd like to rate my customer service I would have greatly appreciated.

utterance: I would be happy to do that.

utterance: Thank you for calling Intellibank and I wish you a very nice evening.

utterance: Thank you you too.


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

utterance: Hello. How are you today ma'am? I'm great. is there anything I can help you with today? Yeah, I need to get a update. I need a to get a balance on my credit card on my business account.

utterance: OK. No problem. I we can help you with that.

utterance: OK. I'm gonna have to ask some information from you to verify your account then verify that you are who you are.

utterance: Yes, ma'am.

utterance: OK. Your full name please?

utterance: Heath Star.

utterance: OK. Thank you, sir, for that. And could I have your date of birth?

utterance: Yep. It's eight five seventy-three.

utterance: OK. And can I have a PIN number on your account, please?

utterance: One six one two three.

utterance: OK. Thank you for that. And can I verify your email address?

utterance: My email address?

utterance: Yes, sir.

utterance: yeah I think it's it's Heath Star at Gmail dot com.

utterance: OK. Thank you for that. And there's a security question on your account that I'd like to verify. at what street were born on?

utterance: on no. I think I switched that. Let me take a look at my paper here real quick.

utterance: Yes, sir.

utterance: Excuse me. It is street. It should say Norwood.

utterance: Is that correct?

utterance: OK. Yes, sir. That is correct.

utterance: OK. OK, sorry about that.

utterance: Thats OK. Thank you for that information. OK and you wanted help with the balance on one of your cards?

utterance: Yes. You need the checking you just need the number?

utterance: Yes, I do need your card number, please.

utterance: OK.

utterance: It's two three five three one eight two one oh two one one eight two five six.

utterance: OK, thank you very much for that. And could you verify the PIN on that?

utterance: Yes, five six eight three.

utterance: OK. Thank you so much. And let's see. your available .

utterance: Excuse me. Your available balance for this is on this card is one thousand six hundred and seventy-five dollars and that was as of yesterday at noon.

utterance: OK, that matches up with my ledger book. Good good good good. Just making sure.

utterance: OK.

utterance: OK, sir. Were there any other cards that you would like to check?

utterance: yeah. Let me check the one that's ending in numbers five six one two.

utterance: OK, yes sir. And the PIN on that please?

utterance: Five six eight four.

utterance: OK. Thank you very much for that.

utterance: yes. It looks like on this card you have a balance of twenty-five eighty-six that you have available that you can use.

utterance: OK. That's correct too. Good good good.

utterance: OK, sir.

utterance: Just we're we're OCD on this stuff so we're just making sure everything's correct.

utterance: Oh, that's quite all right, sir. Any time you need to call us for any information we'll be happy to help you.

utterance: But I wanted to let you know that there are easier ways to take care of of anything you need with the bank other than calling the help line. If you'd like some information on our online banking our online banking is great for things. they're more convenient. Like the check less deposit. You can actually deposit a check without having the physical check. Just take a picture, have your PIN number and add it to your account and it goes right in. And we also have a an ITM feature with our ATM that is someone who is available twenty-four hours a day at your disposal of when you can make the convenience to use the ITM. if you lose all of your information, if you don't have anything qualifying that says you are who you are, you can use your driver's license and the twenty-four hour agent can look into your account, can help you with depositing, help you with retrieving any funds and help you with other issues that you might have.

utterance: What if I lost my whole wallet? Can they do facial recognition?

utterance: Yes, sir they can. And I I do believe they offer the thumb print recognition also.

utterance: Oh, OK.

utterance: Oh, OK. Cool.

utterance: So that makes it a a a big convenience to you if you are trying to recover funds or you're trying to make something easier when your working late or whatever. And that kinda saves you from having to rely on calling in into a helpline.

utterance: Yeah.

utterance: Yeah.

utterance: So that way you can take care of things more conveniently on your own if you like.

utterance: That's cool. one more question. we're going on vacation here soon and it's been a long time since we used them. I don't even know if you have them anymore. Those those traveling slips or something? Traveling slips?

utterance: Oh, you mean traveler's checks?

utterance: traveler's check. Yeah that's it. Good grief. I should have known that.

utterance: Yes, sir. We actually have many different currencies that they do come in. And we can help you set those up.

utterance: we actually have an agent that specializes in that and his name's Tom. He would be more than happy to help you if you'd like to come in and get your currencies straight and and and bring you finances to see you know how you wanna trade in your currencies to take your traveler's checks with you.

utterance: OK, cuz.

utterance: OK. Cuz we're just going to the Andes Mountain to study this mountain goat that's no one's ever noticed before.

utterance: OK, sir.

utterance: Well that's great. And anytime you have any issues that you need help with, just give us a call. We'll be happy to help.

utterance: OK.

utterance: And thank you for being a valued customer of Intellibank. Is there anything I can help you with today?

utterance: I guess that's it, ma'am. Thank you.

utterance: Thank you, sir. Bye bye.

utterance: Bye.


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

utterance: hi. How's it going?

utterance: Pretty good. How about you?

utterance: Doing well. My name is Randy.

utterance: Hi, Randy.

utterance: Yeah, so the reason I'm calling, so I was looking to maybe get I might get a loan, might open up a credit card. I'm not entirely sure, but one thing I wanted to look at is What is it called? It's called a F A N, required business papers, something like that,

utterance: OK.

utterance: F A N. was it something.

utterance: I don't know the terminology.

utterance: I I just wanna know what I need for when I. If I decide to open up like to file for a loan, something like that.

utterance: OK.

utterance: OK, and may I ask, were you viewing this on our website?

utterance: Yeah, I was.

utterance: so

utterance: Required business documentation.

utterance: That's what

utterance: It's called. Sorry OK.

utterance: No, that's OK. I'm actually just pulling up the website Oh, I see what you're talking about. it says FAQ, required business documentation.

utterance: Yeah I was just

utterance: Trying to figure out what are some of the things I might need.

utterance: OK. And just so you know, FAQ just stands for frequently asked questions. It. It just means that.

utterance: Frequently asked OK. I thought

utterance: That was some different kind of terminology. I wasn't even sure what that was.

utterance: I don't.

utterance: Blame you because we have five oh four loans, seven oh two loans. You know, it's.

utterance: Wild.

utterance: the the financial institution is all short and abbreviated.

utterance: Yeah.

utterance: Thank you.

utterance: Yeah.

utterance: So. OK, Randy, I'm just gonna pull up your information so I can best help you. May I please have your last name?

utterance: Sure. My last name is Blue, B L U E.

utterance: OK. And, Randy, may I please have your four digit PIN number?

utterance: Two one eight four.

utterance: Two one eight four OK. All right, this is.

utterance: Two one eight four. Right, and my.

utterance: Phone number is eight one eight three .

utterance: Oh that's OK.

utterance: Thank you for that though, but I don't need that. all I need is to verify your date of birth, and it pulls up all your information for me.

utterance: Oh.

utterance: Thank

utterance: You. Thank you. So I was born August second, nineteen, ninety-two.

utterance: OK, would you believe it if I told you I was born August first?

utterance: I really was, yeah.

utterance: Really? That's.

utterance: Wild.

utterance: Yeah.

utterance: No kidding?

utterance: I sure was.

utterance: Maybe you're.

utterance: You're my long lost twin, who knows?

utterance: Maybe. It could be. OK so I do see all your information. And you said you were thinking about applying for a loan and a credit card?

utterance: Oh I get it.

utterance: Well, I just kind of specifically, I'm thinking of a loan, and one where I can purchase some property.

utterance: OK.

utterance: OK. All right, so that's good. OK, knowing that it's property, that is a big help. I'm gonna give you a basic overview and then make it a little more specific for real estate.

utterance: Yeah, OK.

utterance: OK, so for a loan, generally you'd be required to provide photo documentation of your tax ID number and your driver's license. then you would also be providing a business license if that's applicable to your business. And generally, we look at, depending on the size of the loan, but a good rule of thumb are two years of tax returns. You would be doing both professional. Business tax returns and your personal tax returns. And then we would be looking at two years of end financial statements, so not just for a particular quarter but for the entire year.

utterance: Yeah.

utterance: Mhm.

utterance: OK.

utterance: OK. And then if we are looking at a real estate loan specifically, then you would also be showing any documentation for any previous purchases that you've made and payment history, again just making you a better candidate for a loan. And you could also provide information about down payments that you've put down and payment history.

utterance: OK, OK, OK. Well, is there anything different if I'm trying to do a credit card as well?

utterance: A credit card requires very little documentation. It's mostly just. You can do it online or mail in a form.

utterance: It does.

utterance: OK.

utterance: in some it. If it's if it's for a a high yield amount, if you if you're carrying a a very large balance, they just might ask for physical proof of the tax ID and the driver's license.

utterance: I gotcha. I gotcha. Well.

utterance: You know, I think you answered all the questions I could ask for right now. I'm sure there's gonna be more down the road. Thank you so much.

utterance: Well, I'm thrilled.

utterance: My pleasure, Randy. You have a beautiful day.

utterance: Have a beautiful day as well.

utterance: Thank you for calling Intellibank.

utterance: All right.

utterance: Bye, bye.

utterance: Goodbye.


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

utterance: Hi Roger, I'm trying to check my loan balance and also want to know what documents I need to open up a new business account.

utterance: OK, not a problem.

utterance: why don't we start by letting you know those documents so you can gather them together. So what we're gonna need from you is we're gonna need your full social security number your state issued ID or driver's license number your tax ID number, your email, your business's address, whether or not you are the sole owner of the business, the establishment date of your business your gross annual sales the purpose of the loan and the amount.

utterance: OK.

utterance: Now everything else we're gonna need I'll be asking you just to check your current loan balance so let's go ahead and get started with that and pull your account up, sound good?

utterance: Sounds great.

utterance: So let's start with your full first and last name as appears on your account.

utterance: That's Lenny D as in dog, Stevens.

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

utterance: August ninth nineteen seventy.

utterance: Thank you very much for that.

utterance: And what is your four digit security PIN?

utterance: One zero nine two.

utterance: All right and what is your six digit account number?

utterance: Eight four one seven seven six.

utterance: All right.

utterance: And I have your account pulled up here, thank you very much for being an Intellibank customer and you were looking to see how much the remaining balance of your loan was?

utterance: Yes please.

utterance: That is twelve thousand two hundred sixty-five dollars and thirty-four cents.

utterance: would you like to begin the application process for your new loan?

utterance: Let's go ahead, yeah.

utterance: Great.

utterance: So then I'm gonna need your full social security number.

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

utterance: And your driver's license number or state ID?

utterance: It's T as in Tony eight one three eighty-six four zero.

utterance: And your nine digit tax ID.

utterance: It's three oh three eight four five one one zero one.

utterance: And can you confirm the email address that we have on file for you?

utterance: Stevens at mack dot com.

utterance: And what is your business's name?

utterance: It's Cargo Van Enterprises.

utterance: All right and are you the sole owner of the business?

utterance: I am.

utterance: Great and what was the date that the business was established?

utterance: August second nineteen ninety-six.

utterance: All right.

utterance: And what are your gross annual sales?

utterance: Roughly two hundred and seventy-five thousand dollars.

utterance: All right and what is your business's address?

utterance: Eight oh eight Leland Avenue in Turlock, California. That's nine one two two six.

utterance: And what would be the purpose for this loan?

utterance: Well we're just trying to kind of make up for lost time when our business had to shut down last year.

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

utterance: Yeah.

utterance: All right and how much were you looking for?

utterance: Looking for half a million five hundred thousand dollars.

utterance: All right.

utterance: Great well that is all I needed from you, I have gone ahead and submitted your loan request you'll get a response back in seven to ten business days.

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

utterance: That'll be it.

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

utterance: You too.


utterance: Thank you for calling Intelligible business and commercial banking division. This is Jane. How may I help you?

utterance: Yeah hi Jane, this is John Rivers at Hot Diggity John.

utterance: Hi John, what can I do for you today?

utterance: Well I had a I've been trying to use the mobile app. I and I I just can't seem to get it to work. I gotta pay for some buns and I I have to I have to get this order in to the vendor and I just can't seem to get the app to work.

utterance: I'm sorry to hear that. That is unfortunate. Yes we did do an app update and it overhauled a lot of stuff I would be more than happy to walk you through what you need to do on the app or I would be able to assist you over the phone if you would prefer.

utterance: Yeah if you could just help me over the phone that'd be great.

utterance: OK certainly so you mentioned that you're looking to pay your vendor. Were you wanting to just do an internal transfer? Were you looking to do

utterance: Is that a money wire?

utterance: no no it's an internal. It's an internal transfer. which is from one of your business accounts to their account.

utterance: Oh, OK I thought it was called a money wire for some reason. OK, that works. Yes.

utterance: OK, so you're wanting to do an internal transfer then that's correct?

utterance: Yes, if that's what it's called.

utterance: Yes OK, I can definitely help you with that. just give me a minute here to pull up my screen. I need to get some information here from you. OK. Can I please get the first and last name on the account?

utterance: That's John Rivers and my account number is zero two two one seven zero.

utterance: OK I am showing a different account number here.

utterance: let me read that back sorry. Man I don't have my reading glasses on me. zero two two one seven Oh, that's a three sorry.

utterance: Yup, that that is that is correct that is That is correct. and then could I please get the date of birth?

utterance: One eighteen of eighty-seven.

utterance: OK.

utterance: And how much were you looking to transfer?

utterance: how much is in my account?

utterance: I hope you have enough to cover your your buns you you've got eighty thousand two hundred and seventy-two dollars and sixty-eight cents.

utterance: Oh wow my buns are definitely covered. I need to transfer eight hundred dollars.

utterance: OK I can definitely do that. do you have their bank account number?

utterance: Yes, it's eighty twenty-two seventy-four.

utterance: For the deposit.

utterance: OK, yup.

utterance: Got that pulled up here. OK, so I've gone ahead and made the deposit. and that is an instant transaction. So it will show up on both of your ends. is there anything else I could help you with today?

utterance: No, I think you got my buns covered on this.

utterance: All righty, well then you have a good rest of the day.

utterance: You too.

utterance: Bye bye.


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

utterance: Hey, Tony. How are you doing today?

utterance: I'm doing just fine. How about you, sir?

utterance: I am hanging in there.

utterance: I curious what would be the best way for me to figure out exactly how much money I have right now?

utterance: how much money you have in with us as a business.

utterance: With you guys

utterance: In the bank.

utterance: Oh, OK. I thin that what what service you would be interested in that I can help you with right away is to check your account balance for your account and.

utterance: That's it.

utterance: that's probably

utterance: Yeah.

utterance: I could do that for your right right now. I would just need a couple of pieces of information to verify your identity.

utterance: Great. My social is six three eight nine seven seven one five. My mother's maiden name is Johnson. my street address is two four eight nine Windward Boulevard Los Angeles, California.

utterance: Oh, whoa. OK. Well, thank you for all of that information. I actually unfortunately, none of that is anything I'd really need to verify your identity. First, if I could just get your first and last name.

utterance: Oh, it is Jim Powers.

utterance: Jim Powers. OK and what is your security PIN. Four digit PIN.

utterance: that would be two six eight four.

utterance: Two six eight four. OK, excellent. All right. So we're in the system now. I'm looking at your accounts. Which account would you like to know the balance of.

utterance: let's start out with the checking.

utterance: checking account. Can you verify the checking account number for me please. It's just one other.

utterance: Sure.

utterance: It is seven six eight nine six two five four seven two five nine eight nine six three.

utterance: OK. That's right. Now you're checking account balance is one thousand five hundred and eighteen dollars and twenty-seven cents.

utterance: OK. OK.

utterance: let's check out the savings account now.

utterance: OK. Your Intellibank Smart Savings account has four thousand dollars even actually.

utterance: Oh, wow.

utterance: I bet you don't see that everyday.

utterance: Not at all. No, that's that's a rare one. That's actually quite rare.

utterance: Down to the penny amount and everything.

utterance: Yeah. I was gonna transfer some money around but I feel like there's something lucky about having that as an even number. Maybe I shouldn't touch that.

utterance: Well, that's that's definitely your decision. it looks like the last transaction was was enough to exactly leave that amount. Like you're intentionally leaving four thousand dollars in the account even based on your last withdrawal or is there anybody else on your account that perhaps took that exact money out. A spouse perhaps.

utterance: Yeah, my wife is on the account. man, you know, I'm just gonna leave that savings as is.

utterance: you know, can we check the balance one more time of the checking?

utterance: Yeah, the checking account balance is one thousand eight hundred and fifty-five dollars.

utterance: Mhm if I moved the thousand over to the savings. That would keep it a nice round number of five thousand oh. You know, why don't we just leave everything as is.

utterance: OK. I can definitely. I can definitely do that for you and so just to confirm, you checked your account balances with us today and you decided to leave them as is. Is there anything else I could help you with today?

utterance: Is this something

utterance: I can do online in the future? If I go right online. Is my account balances there? cuz I hate bothering you guys. I feel like it's a bother every time I ring you up and ask.

utterance: Well, it's definitely not a problem. You can call us anytime and and we're available twenty-four seven but also so is the website which is WWW dot Intellibank dot com and you could log in and you could check your account balance. You could make transfers, you could do wire transfers and things like that. They would just have pieces of information to verify your identity. You would setup an online account with a PIN and a passcode.

utterance: Mhm.

utterance: And that was dot com?

utterance: Dot com, yes.

utterance: OK.

utterance: All right. Well, fantastic. I I I think you've taken cared of everything that I needed today.

utterance: OK. Well, that's great. Thank you very much for banking with Intellibank and thank you for your call today. Once again, my name is Tony and I'm always happy to take your call. Thank you and have a great day.

utterance: Thank you so much, Tony. You as well.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Rose. How can I help you this evening?

utterance: hi Rose, my name is Kim. How are you today?

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

utterance: I'm doing pretty good. thank you. I I am calling tonight because I wanted to apply for a a corporate credit card with y'all.

utterance: That's awesome.

utterance: OK I can certainly help you with that. let's see here. I just need to get a little bit of information from you and start your application OK?

utterance: Sure.

utterance: All right, so your first name is Kim. Is that Kimberly or just Kim?

utterance: just Kim.

utterance: OK, thank you so much and what is your last name Kim?

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

utterance: OK and what is your street address Miss Johns?

utterance: Forty-nine Holland Drive. Philadelphia Pennsylvania. One nine one zero one.

utterance: Thank you very much. Could you please provide me with your social security number?

utterance: Sure that's one seven three seven three nine five zero two.

utterance: Thank you and I need your driver's license number and the state that it was issued in.

utterance: sure let me see here. Let me grab it. One second.

utterance: Sure.

utterance: OK and that is K three eight four seven two five two nine three.

utterance: Thank you very much and what state was that issued in?

utterance: Pennsylvania.

utterance: In Pennsylvania All right bear with me just a moment.

utterance: Sure.

utterance: OK and can you please provide me with your PIN?

utterance: Oh sure it's two four one zero.

utterance: And your email address?

utterance: It's my first name first initial and last name K Johns seven seven seven at Gmail dot com.

utterance: Thank you and what about the name of your business?

utterance: The name of my business is JBS Tanning.

utterance: And are you the sole owner?

utterance: I am, yes.

utterance: Thank you. And what date was your business established?

utterance: February of two thousand eighteen. February twentieth actually.

utterance: OK and what is the total dollar amount representing the gross annual sales of business?

utterance: gross annual sales for the last two years have been about three hundred and seventy-five thousand.

utterance: Thank you and what about your tax ID number?

utterance: let me see here hold on for one second for one moment for me. I need to go grab that.

utterance: Certainly take your time.

utterance: Thank you. OK Rose are you there?

utterance: I am.

utterance: OK my tax ID number is zero zero nine five four zero three three four.

utterance: Thank you so much.

utterance: Of course.

utterance: And I need your business address.

utterance: that is seven four five Walnut Street and that's Philadelphia Pennsylvania one nine one zero one.

utterance: Thank you. All right now is your mailing address the same as your billing address or?

utterance: yeah my mailing address would be the same as my business address.

utterance: OK bear with just a few moments. I wanna make sure I have all of the information that I need.

utterance: Sure absolutely.

utterance: Thank you. OK Miss Johns I just had a few things that I needed to tell you. I'd like to provide details on the various types of business credit cards that Intellibank offers. And any fees and charges that may apply for you. OK?

utterance: OK great.

utterance: All right. Intellibank Business Platinum Card you get two percent cash back on all purchases. And the annual fee is a hundred dollars. Intellibank Business Gold Card is two percent cash back on gas and groceries but with no annual fee. And then lastly, our Intellibank Business Silver Card has no cash back and no annual fee. OK?

utterance: OK great.

utterance: All right and if you could please send in your supporting business documentation we'll get back to you with the results of your application within the next two weeks OK?

utterance: OK perfect. Thank you so much for the information. I really appreciate it.

utterance: You are so very welcome Miss Johns. Is there anything else that I could do for you today?

utterance: no, that's everything. Have a great night.

utterance: You too. Thank you so much. Bye bye.

utterance: Bye bye.


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

utterance: Hi Daisy, I'd like to add another user to my checking account.

utterance: Okay, I'll be happy to help you with that. What is your name and address, please?

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

utterance: Your date of birth?

utterance: Well that's a little tricky. My driver's license, which is correct, says September twenty-first nineteen ninety-nine. But when I was born, the hospital messed up my birth certificate and wrote it down as September twenty-second nineteen ninety-nine. I'm currently having it fixed but is that an issue with you guys?

utterance: Did you use your driver's license when you opened an account with us?

utterance: Yeah.

utterance: And your driver's license is valid and it's the correct one?

utterance: Yup.

utterance: No, I don't anticipate any issues with that. What was your date of birth again?

utterance: Thank you. Your PIN number?

utterance: Sixteen sixty-two.

utterance: And what is the account number for which you'd like to add a user?

utterance: It's zero zero one six three nine two two one seven.

utterance: George, is this your Intellibank Business Preferred Checking Account?

utterance: Yeah.

utterance: Thank you. What is the new user's first and last name?

utterance: Patricia Fields.

utterance: And her address?

utterance: Three ten Clarence Court Branson, Missouri five five three two four.

utterance: Thank you. What is her social?

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

utterance: Her driver's license number?

utterance: It is M one nine two zero four zero eight nine four.

utterance: Her driver's license state?

utterance: Missouri.

utterance: Her email address?

utterance: P Fields Data Management at Gmail dot com.

utterance: P F I E L D S D A T A M A N A G E M E N T at Gmail dot com?

utterance: That's right.

utterance: Her date of birth?

utterance: November twenty-first nineteen seventy-four.

utterance: And her new user PIN?

utterance: Twenty-nine ninety.

utterance: Thank you.

utterance: I have added this user to your account. In just a moment I will have a transaction ID number for you if you'd like to write it down.

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

utterance: So far so good. How about you George?

utterance: Oh it's going pretty good, you know. I'm just handling up some business up before I go home. And I have a nice cup of coffee, watch my favorite TV show. You know, just relax for the rest of the night.

utterance: Great. I have that transaction ID number ready for you.

utterance: OK, I'm ready.

utterance: It's nine nine one seven six two nine.

utterance: Nine nine one seven six two nine. Got it.

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

utterance: Yeah, could I maybe apply for a term loan with you guys over the phone?

utterance: Yes, you absolutely can. Lemme just pull that information up.

utterance: All right.

utterance: All right, George.

utterance: This is for George Emery. What is your street address?

utterance: Your full social security number please.

utterance: Four twenty-one three eight four four eight one.

utterance: Your driver's license number?

utterance: It's Z one zero seven two eight nine one one two.

utterance: The driver's license state?

utterance: Missouri.

utterance: Your PIN number?

utterance: Sixteen sixty-two.

utterance: Your email address?

utterance: It's G Emery trades at Gmail dot com.

utterance: Thank you. What is your business name?

utterance: Emery Data Management.

utterance: Are you the sole owner?

utterance: Yeah.

utterance: And what was the establishment date of your business?

utterance: It was December eighteenth two thousand nineteen.

utterance: Your gross annual sales?

utterance: Eight hundred eighty-nine thousand and twenty-one dollars.

utterance: Thank you. Your tax ID number?

utterance: Seven three nine zero zero one zero two nine.

utterance: Thank you. What is your business street address?

utterance: It's one fifty-three Pinecone Circle Branson, Missouri five five three two four.

utterance: And the mailing address where you would like your mail from the bank sent. your home or your business?

utterance: let's do my business address.

utterance: And that was one fifty-three Pinecone Circle Branson, Missouri five five three two four?

utterance: Yeah.

utterance: All right and what is the purpose for this loan request?

utterance: I need to upgrade my servers and data equipment.

utterance: And how much are you requesting?

utterance: Thirty-five thousand.

utterance: And what will the loan term be? When will you be able to pay that back?

utterance: thirty-six months.

utterance: Thank you. All right, that completes the loan process. the application.

utterance: you'll receive an email shortly listing all of the supporting business documentation that we require. Once you've sent that back to us, You will hear back within three business days with the results of your application.

utterance: Okay, great.

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

utterance: No, that should do it.

utterance: Okay. Thanks for calling Intellibank, have a great day.

utterance: You too, bye.

utterance: Bye.


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

utterance: yes, I've got an intel secured loan and I am not sure when the payment is gonna be due.

utterance: OK, and did you mean your Intellibank secured loan?

utterance: That's correct.

utterance: All right sir, well I can help you find that out and schedule a payment if you need to.

utterance: OK.

utterance: All right, let me get some information from you real quick. Can I have your name please?

utterance: Dan Thomas T H O M A S.

utterance: And your date of birth, Mr. Thomas.

utterance: May twelve nineteen sixty.

utterance: Thank you, and your security PIN number?

utterance: One zero six two.

utterance: All right, thank you very much. And then can I have the account number associated with that loan?

utterance: OK, hang on just a second while I look it up.

utterance: Not a problem, take your time.

utterance: OK, I've got it.

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

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

utterance: OK, and I'll just read that back. That's seven three zero six nine five six eight two nine, is that correct?

utterance: That's right.

utterance: All right, great and I am seeing here that yes, you do have a payment coming up on that account, and I am not seeing that a payment has been made yet. Would you like to go ahead and make a payment to that account today?

utterance: yes please.

utterance: All right great, and how much would you like to pay on that account?

utterance: can you tell me the minimum amount due?

utterance: Yes, the minimum balance is four hundred and fifty-one dollars and thirty-six cents.

utterance: OK, I would like to make the minimum payment please.

utterance: All right, I can certainly do that. And OK, so can I have the account number for the account you would like to pay that from?

utterance: OK, this would be from my business total checking account, and the account number is two zero nine zero two one eight four two zero.

utterance: OK, that's two zero nine zero two one eight four two zero. Did I get that right?

utterance: Yes.

utterance: OK great, and can I have the routing number for that account?

utterance: Nine one eight eight one nine seven three nine.

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

utterance: no it's nine one eight eight one nine seven three nine.

utterance: Oh, I do apologize for that sir, I got those numbers backwards let me just double check, that's nine one eight eight one nine seven three nine. Is that correct?

utterance: That's correct.

utterance: OK yes, I apologize for that. I transposed those numbers while typing into my keyboard. All right, and so I've got that set up to pay the minimum balance and when would you like that payment to take affect?

utterance: can we do two days before it's due?

utterance: We certainly can, sir. I will get that set up to go out two days before the due date.

utterance: All right, that sounds great. Has your day been going pretty good so far?

utterance: Yes sir, my day has been going pretty good, I haven't had too many difficult callers today, so that always makes it nice.

utterance: That's great, I do have one question.

utterance: OK sir, absolutely.

utterance: is there an easier way for me to check my due dates and my account balances and stuff?

utterance: there certainly is, sir. Do you have online banking set up with us already?

utterance: I do not.

utterance: All right, well I could give you some information about that, or if you would like, we could go ahead and set it up you'd be able to go on and see all the details of your loans and any other accounts that you have here at Intellibank, you can make payments, transfer money, see all the details, run reports. really anything that you can call and have us do over the phone, you'd be able to do online at your own convenience.

utterance: Well that sounds great. Is that something you could help me with today?

utterance: It certainly is let me just switch my screens here. I've gone ahead and confirmed and have that payment ready to be processed, so you will see that show on your account two days before the due date.

utterance: OK.

utterance: All right, and can I have you go ahead and confirm your email address for me, Mr. Thomas?

utterance: Thomas Customs at Gmail dot com.

utterance: Thank you, and is that the email address that you would like associated with your online banking account?

utterance: Yes.

utterance: Perfect. All right, so if you would like to write these down, I have got a username and a temporary password ready for you.

utterance: OK, I'm ready.

utterance: All right, sir. Your username is D Thomas zero six.

utterance: OK.

utterance: And your temporary password is capital S capital N four zero capital P five.

utterance: OK.

utterance: All right sir, so all you need to do now is go to Intellibank dot com. In the top right hand corner you will see a button that says log in. Just enter those details that I have given you and it will prompt you to create a unique password for your account and then walk you through the rest of the steps to finish setting that up.

utterance: OK, that's fantastic.

utterance: All right sir, and then of course you can always call us here if you need any further assistance or you to take care of anything as well.

utterance: All right, I appreciate it.

utterance: No problem, sir. Is there anything else I can help with?

utterance: I don't think so.

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

utterance: All right, thank you.

utterance: Thank you, goodbye.

utterance: Bye bye.


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

utterance: Yes Jerry. I want to apply for a SBA seven A loan. I was gonna come by the branch, but I just didn't have time so I just decided to go ahead and call. Can you help me?

utterance: Sure. I'll be happy to assist you there ma'am, and if I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of your business that you have an account with us?

utterance: Jones Bed and Bath. And I also would like to know your branch hours please.

utterance: Sure. yes. The hours of the branch are Monday through Friday from nine a.m. to five p.m..

utterance: Great. Thank you so much.

utterance: You're welcome. And Ms. Richards, I'll of course ask a few questions to verify your account, because your account security is important to us. So if you would, let me know, what is your date of birth and your phone number?

utterance: eleven eleven nineteen eighty-four. Phone number, six seven eight three six one, eight oh three one.

utterance: And Ms. Richards, what is your account number?

utterance: Account number is five eight four six five nine. Excuse me, I'm sorry. It's five eight four six five nine one.

utterance: OK, that is five eight nine six five nine one?

utterance: no, it's five eight four six five nine one.

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

utterance: Correct.

utterance: All right. Thank you for that. And what is your PIN number?

utterance: One zero one seven.

utterance: Thank you Ms. Richards. I was able to go ahead and verify your account. And you mentioned that you wanted to apply for the SBA seven A loan?

utterance: Yes.

utterance: All right, well we'll be glad to assist you with that Ms. Richards. I'll ask a few questions in order to go ahead, if you'd like, and begin the application process.

utterance: OK, great. Thank you.

utterance: You're welcome. And Ms. Richards, what is your personal address?

utterance: The personal address is four one five Central Avenue, Smyrna Georgia, three zero zero zero eight.

utterance: And Ms. Richards, the business address, do you have that information?

utterance: It's the same. Four one five, Central Avenue, Smyrna, Georgia. Three zero zero zero eight.

utterance: that's your business address?

utterance: Oh I'm so sorry. Jerry. Just excuse me. That's my home address. My business address is ten seventy-five Laymonts Court, Smyrna, Georgia. Three zero zero zero two. I tell you, it's been one of those days.

utterance: I completely understand. There is always so much going on in the life of a business person like yourself, so I am happy that to be able to assist you in getting this done as smoothly as possible.

utterance: Well I certainly appreciate that.

utterance: And Ms. Richards, is your mailing address the same as your business address for your account?

utterance: Yes.

utterance: And what is that again? Just to verify.

utterance: It's one zero seven five Laymonts Court Smyrna, Georgia, three zero zero zero two.

utterance: Terrific, terrific. And Ms. Richards, if I could ask, what is the date that you started your business?

utterance: March the first of nineteen seventy-nine.

utterance: And what is your business email address for your account Ms. Richards?

utterance: E dot Richards at J B B dot com.

utterance: And what's your Social Security number?

utterance: Two three five zero six, eighty-two sixty-eight.

utterance: And what's your driver's license number?

utterance: It's zero nine seven five nine eight two two.

utterance: And what state is that driver's license?

utterance: Georgia.

utterance: And what's your tax ID number?

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

utterance: And what's the gross annual sales for your business?

utterance: Eighteen million.

utterance: And Ms. Richards, what is the purpose of your loan?

utterance: The purpose of the loan is, you know, I'm just trying to get property for a warehouse.

utterance: OK. and Ms. Richards, what is the down payment that you're looking to put?

utterance: The down payment? I'm just gonna put well the loan amount that I was looking for is that the question?

utterance: OK, sure. What's the loan amount?

utterance: That's two point two five million.

utterance: OK. And what's the term of the loan?

utterance: Ten years.

utterance: Ten years that you're looking for?

utterance: Yes.

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

utterance: Yes I am.

utterance: And Ms. Richards, what is the amount that you're putting down?

utterance: OK yes. I'm sorry about that. Yeah, that's ten per cent down.

utterance: OK, terrific.

utterance: Again, it's one of those days Jerry.

utterance: Not a problem at all Ms. Richards. Again happy to assist you with this. I can understand that a lot's on your mind. It's end of the year and I tell you folks around the office are running around. Sometimes, trying to do two hundred things in five seconds.

utterance: I totally agree. I have a lot going on.

utterance: Mm. Yes ma'am, yes ma'am. And with that being the case, Ms. Richards, I think we have everything that we need here so far on your application. I guess there's one other question I need to ask. what's your personal email address?

utterance: That is E dot Richards at mail dot net.

utterance: And your business email address again.

utterance: Is E dot Richards at J B B dot com.

utterance: OK, I think we now should have everything we need here and what I'm gonna do Ms. Richards, is go ahead and get this information over to our business loan department, for the SBA loan. and of course, they'll be able to assist you with that. But, one other thing I did need, before I submit that is the bank routing number. that you'd like the as far as for the deposit funds.

utterance: All right, that would be three two eight one seven four two seven eight.

utterance: And Ms. Richards, what is the account number?

utterance: Six one zero four nine one.

utterance: Terrific, terrific,

utterance: Would you mind repeating that to make sure you got it correctly?

utterance: sure. The routing number that I have is three two eight one seven four. Two seven eight.

utterance: Yes.

utterance: And the deposit account number is six one zero four nine one.

utterance: That's right.

utterance: All right, and again, Ms. Richards, I think we have everything on our end here and I'll get this over to our SBA department and they will proceed from there and generally within two to three business days we should let you know the status get back any information we need.

utterance: Well Jerry, thank you today. I tell you I appreciate you being understanding of you know need. You know, kind of from the normal bit that I really appreciate it and I I don't have any other questions.

utterance: Thank you, no problem. we appreciate your business and you have a terrific day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Toby. What can I help you with today?

utterance: Hey Toby. How's your day going?

utterance: Pretty good. Pretty good. Thank you for asking and how about you?

utterance: it's OK. Didn't get up that long ago to be honest. yeah. I was calling. I need some I need some stock info.

utterance: OK. Just some stock info?

utterance: Think.

utterance: Oh I need. Oh we. How much. How much it. It costs. No I'm sorry. How much. How much it's worth I think right now.

utterance: OK. So looks like your just looking to get a stock quote.

utterance: yeah. I. I don't. Yeah I don't wanna buy anything right now I just wanna know how much it's worth.

utterance: Absolutely I can do that for you. It's a relatively easy process. And first I'll need your first and last name.

utterance: Yeah It's Jacob.

utterance: Mhm.

utterance: Baum.

utterance: Baum. Jacob Baum and your date of birth?

utterance: April fourth, nineteen eighty-two.

utterance: April fourth nineteen eighty-two and the four to eight digit pin number?

utterance: yeah. I always forget that but I think I actually. I remembered it I think today. It is eight seven seven three five.

utterance: eight seven seven three five. And I will finally need the stock symbol you are inquiring about.

utterance: Oh do you. I thought I had. Do I need to give you an account number?

utterance: No.

utterance: OK. I think that. OK good coz I don't know where it is to be honest. yeah the stock symbol is. it is. It is G R S. GRS.

utterance: GRS. OK. The GRS stock. Which looks like it's the Global Recycling Service.

utterance: Yeah. It's a great company.

utterance: OK. And this is a stock I see that you have purchased with us in the past. We have it on file and the current value of that stock is three thousand six hundred and fifty-two dollars. And eighty-six cents.

utterance: OK well that sounds good. I think. Do you know? Do you know. I'm sorry I just don't have a computer right now. Do you know is it doing well I guess?

utterance: Looks like it's stayed pretty even in the last quarter. It's only a point zero three percent.

utterance: Huh. OK yeah I'm just wondering coz I was thinking should I sell it? You know should I buy more? Gosh. I maybe should talk about it. I'm not really sure. This stuff isn't really my area of expertise. I was a. You know I was a mechanic for most of my life. I was fortunate enough to retire a bit early but

utterance: Oh wow. That's nice.

utterance: Yeah.

utterance: Yeah. OK. I guess that. Yeah I guess that number sounds good. I don't know do you think it's good?

utterance: I'm not really required. I'm sorry not required is not the correct word. I am not at liberty to give stock advice on the phone or offer an opinion. Opinion.

utterance: Oh boy at liberty. It sounds pretty secretive huh?

utterance: Well I'm just saying I'm not a stock specialist. So I just wanna give you the service that I provide and we do have a wealth management specialist who can offer a more educated opinion on that than I can, but I'm happy to process any sort of other orders for you. Is there any other stocks you were looking into .

utterance: So you don't work for the CIA

utterance: Is what you're telling me?

utterance: Not currently.

utterance: They're accepting applications.

utterance: Well. Is that true?

utterance: I don't know. I'm not sure. It sounded funny so I said it. I'm not really sure.

utterance: I see. I see. Well is there any other stocks that I can look up for you while you're on the phone?

utterance: no that's the only one I have. Wait a minute. Hold on. I thought. I was thinking. I mean I was. I was at. I was at the cafe yesterday and I was reading something article you know there was a article about politics but I'm so sick of that stuff I just skipped past that. there was something in the financial section. Now you know I'm sorry I can't pull it up. No that's the only stock I have right now.

utterance: OK. Well then I'll just leave you with that one stock quote that we did look up for you and the Global Recycling.

utterance: Gotta recycle. Yes sir.

utterance: But I do just want to remind you that we do have those wealth management services available and you could do that at your local branch. There's a specialist at each branch. or you can even do it online at Intellibank dot com.

utterance: No thanks. I'll keep calling in.

utterance: OK. All right. Just. Do you wanna. But you know you could do it. through the Intellibank banking app. Which you can download through iPhone or Android. But absolutely. Call us up as well.

utterance: Yeah.

utterance: OK. We'll do.

utterance: I'll wait. Well if there's anything else I can do for you today you just let me know. Give us a call back but just want to thank you for being an Intellibank customer. A valued customer with with us since nineteen ninety-eight. Thank you.

utterance: Okey-dokey.

utterance: Bye bye.


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

utterance: Yes, I wanna apply for a secured loan.

utterance: Happy to help you with that ma'am. if I could just ask what your first and last name is?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what's the name of your business that has an account with us?

utterance: Joan's Bed and Bath.

utterance: All right. Terrific, Ms. Richards, thanks for that. I'm going to ask you a few questions in order to verify your account and for account security purposes. if you would, Ms. Richards, what is your phone number?

utterance: six seven eight two oh two four two five three six seven eight three seven one eight oh three one. I I'm just not sure which one you have on file.

utterance: OK. Yes, it OK. it looks like it might be the second one here, six seven eight three six one eight zero three one.

utterance: OK.

utterance: And Ms. Richards, if you would, what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: And Ms. Richards, what is your account number?

utterance: All right, just a second. All right, I have it. It's nine eight four six five nine.

utterance: OK. And Ms. Richards, what is your pin number?

utterance: One zero one seven.

utterance: All right Ms. Richards. I was able to verify your account, and yes, we can go ahead and look into the loan application for you for a secured loan, and yes, we do offer those too. you I'll just ask a few questions here in order to get your loan application started.

utterance: OK, that'll be fine. You know, I hear my dog Spot outside barking, I'm not sure what he's barking at.

utterance: You know, pets, that's one thing about dogs, they'll let you know when you aren't paying them attention, they'll remind you that they're there.

utterance: They sure will.

utterance: I I love dogs yeah you know I hate to say it in this way, but who doesn't love dogs?

utterance: Yeah I know that's right.

utterance: now Ms. Richards, again, I'm just gonna ask you a few questions and with these questions this will get our get the process started for your loan application. if you would, what's the name of the business that the loan will be under?

utterance: Joan's Bed and Bath.

utterance: And Ms. Richards, what is your tax ID number?

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

utterance: and Ms. Richards, are you the sole owner of your business?

utterance: Yes.

utterance: And Ms. Richards, what is the business address?

utterance: One zero seven five Laymans Court, Smyrna Georgia. Three zero zero zero two.

utterance: And what is your personal address?

utterance: One forty-one Oakwood Avenue Avendale Estates, Georgia, three zero zero zero two.

utterance: And Ms. Richards, what is the mailing address for your business?

utterance: One zero seven five Laymans Court, Smyrna Georgia, three zero zero zero two.

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

utterance: My business email is E dot Richards at Joan's B and B dot com.

utterance: And what's your personal email address?

utterance: E Richards at mail dot net.

utterance: And what is your Social Security number?

utterance: My Social Security number is two three five zero six eight two six eight.

utterance: And what is your drivers' license number?

utterance: Zero six two four eight seven one two.

utterance: And what state is your drivers license in?

utterance: Georgia.

utterance: And what is the gross annual sales for your business?

utterance: It's thirty-three million seven hundred thousand.

utterance: And what is the loan amount that you're looking to apply for?

utterance: Nine million.

utterance: And what's the purpose of the loan?

utterance: new construction.

utterance: And what is the collateral that you'll use for your loan?

utterance: I'm gonna be using let's see inventory for that.

utterance: And Ms. Richards, what is the term of the loan that you're looking for? Is it thirty-six months? Is it five years?

utterance: Five years.

utterance: OK. And.

utterance: Let's see here. I think I might have everything Ms. Richards . any questions before we proceed?

utterance: No, no other questions.

utterance: OK Ms. Richards, I was able to go ahead and complete your application. And just so that you know what was gonna happen is I'm going to submit your application to our loan department, they will reach out to you upon further review, and they'll let you know what the next steps are.

utterance: All right.

utterance: generally speaking, you likely will hear from them potentially by the end of the business day today. If not certainly within the next three business days.

utterance: All right, that would be fine.

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

utterance: No.

utterance: Ms. Richards, we certainly do appreciate you doing business with us, and of course, thank you for applying for a loan and considering us to help you grow your business.

utterance: Yes. Thank you for helping me today.

utterance: You're welcome, and you have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

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

utterance: See, I'm going through a divorce.

utterance: I'm sorry to hear that. sure sir, I can help you with that.

utterance: Great.

utterance: Can I get your first name?

utterance: Sure. Alexander.

utterance: Thank you. And your last name?

utterance: Lopez.

utterance: Thank you Mr. Lopez.

utterance: And your date of birth please.

utterance: Six six sixty-six.

utterance: Thank you for that. And your account number?

utterance: I have to go get that. Can you hang on a sec?

utterance: Absolutely sir.

utterance: All right.

utterance: OK. It's gonna be, two seven six four three two one six eight nine one. Oh sorry, it's nine two not nine one.

utterance: Sure, OK. Let me just repeat that. That was two seven six four three two one six eight nine two?

utterance: Yes.

utterance: OK. And your PIN number?

utterance: That's six two six two.

utterance: Thank you for that. And what was that time period again?

utterance: let me see.

utterance: I'm gonna need January to June of this year, please.

utterance: No problem sir. So the first half of this year.

utterance: And you're looking for the total for all the account sir or just the checking?

utterance: Yes.

utterance: Yes, all the accounts.

utterance: Absolutely.

utterance: All right.

utterance: Yup.

utterance: Yup.

utterance: Looks like your net income from January through June of this year is one hundred thirty-five thousand six hundred twenty-eight dollars.

utterance: You said, one hundred and thirty-five thousand six hundred and twenty-eight dollars?

utterance: Yes, sir.

utterance: Would you like me to send that to you in writing?

utterance: Oh.

utterance: Yes, please.

utterance: Sure. let me just verify your address.

utterance: OK. How's your day going?

utterance: Oh.

utterance: it's going pretty good, I can not complain. How about yourself?

utterance: it's been OK. It's just a rainy day, another rainy day in Florida.

utterance: Oh nobody likes rain but at least it's not cold.

utterance: Yes.

utterance: It's been raining all day and all night.

utterance: Wow, that's terrible.

utterance: Yeah.

utterance: The roads are flooded and we need robots to get down the street.

utterance: Oh wow. That does not sound like fun sir. Yeah, I can't say that I would like the rain but I definitely love the sunshine.

utterance: Yeah, not today.

utterance: let's see.

utterance: All right . I do have that information here sir. It looks like your address on the, on file is three one six Northeast forty-third street, that's in Fort Lauderdale Florida, three three three zero nine.

utterance: Yes. That is correct.

utterance: Perfect. And did you know that we also offer online banking?

utterance: Oh you do?

utterance: Yeah, you can always log in online and check your account balances at any time and you even print it off you needed to right from your home computer. Just just go to WWW dot Intellibank dot com, OK.

utterance: That's great to know. Thank you.

utterance: You're very welcome.

utterance: Anything else I can help you with today, sir.

utterance: No, that will be it. Thank you very much for your help.

utterance: Oh, you're very welcome. You have a great day, Mr. Lopez.

utterance: You, likewise.

utterance: Thank you, hopefully that rain clears up for you.

utterance: Thank you.

utterance: Your very welcome. Bye bye.

utterance: Bye.