utterance: Thank you for calling Intellibank. My name is Stephen. May I help you?

utterance: Hi Stephen.

utterance: Hello.

utterance: I just wanna check my balance.

utterance: OK no problem Yeah I need a few things. I'm gonna need. Your last and first name.

utterance: My last name is Pierson.

utterance: Can you please spell that?

utterance: P I E R S O N.

utterance: OK. And your first name as it appears on the account?

utterance: Patricia.

utterance: And that is P A T R I C I A?

utterance: Yes you're right.

utterance: Excellent.

utterance: Thank you.

utterance: All right I Just need you PIN number for your account.

utterance: Well that would be zero four four one.

utterance: OK perfect and one more security question is just your date of birth.

utterance: Three twenty-four eighty-seven.

utterance: Excellent.

utterance: Thank you.

utterance: OK I'm looking at your account now. I see you have a few. Which which one would you like to check the account balance for?

utterance: For the one ending in seven three two.

utterance: OK that's your checking happy to look at that. And all right. It looks like you have a current balance of four thousand three hundred thirty-three dollars and thirty-nine sense.

utterance: Mhm.

utterance: OK can you repeat that please?

utterance: Four thousand three hundred thirty-three dollars and thirty-nine cents.

utterance: OK. That's what I thought you said.

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

utterance: Yeah yes.

utterance: All right what's that?

utterance: Well how how else would I be able to find out about my account balances?

utterance: Well I see that you're not signed up for online services so if you ever would like to be signed up all you have to do is just log onto Intellibank dot com or you can download our app and then when you're first signing up you're gonna you're gonna go to the thing that says sign up not sign in. And we already have your information in the system so it's basically we're gonna ask you a bunch of security questions the first time you log on and then after that it's very simple to get on even if you have a new iPhone or something all you have to do is do face ID and you can immediately when you push our app. It takes about less than two seconds to log on so.

utterance: Mhm.

utterance: Mhm.

utterance: What if I don't have a new iPhone?

utterance: the apps still work with with other Androids and older iPhones so there's other security questions and other ways. There's some that use a thumb print and there's some that just ask for a simple password but when you use a certain device again and again then you can also check the box so that you don't have to do the password every time because they know that you're the only one using that device. So, so anyway any time you get set up online.

utterance: Oh.

utterance: Wait can you just hold on for a second I'm OK.

utterance: OK are you ready now?

utterance: Yes.

utterance: OK. so as I was saying when you have this account set up, then any time you wanna check when any of your balances you can just do it online. you click which account you'd like to look at. You can also transfer money between accounts immediately. Yes.

utterance: Mhm.

utterance: For free?

utterance: OK.

utterance: Between you own accounts.

utterance: OK.

utterance: But if you want to send money to friends and family you can also take advantage of our Zelle feature and you know that's a way you can send money to people when you don't have to pay the wire transfer fee any more.

utterance: Oh yeah.

utterance: Right so anyway there's lots of different services we that are available to you online any time. You can look at old statements. You can print them out.

utterance: I love looking at old statements so that's great.

utterance: Great. so yeah give it a shot and then if you run into any troubles when you're logging in just please call us back and we'd be happy to help you log on and and get access to your account and then if you ever need to know your balance you can either log on or you can feel free to call us again and we'll be happy to read it for you.

utterance: OK.

utterance: All right?

utterance: Great.

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

utterance: I'm just thinking. I'm just making sure but I I I think that's. I think that would probably be everything.

utterance: Great well thank you for calling Intellibank and thank you for being one of our valued customers and give us a call back if you need anything else.

utterance: All right I will.

utterance: OK thank you.

utterance: OK.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi Daisy, I have a loan with you guys. And I just really need to know the numbers.

utterance: OK, are you calling to confirm your account number?

utterance: No, I have that.

utterance: So you need to know the numbers, are you talking about you'd like to know your remaining balance owed?

utterance: Yeah.

utterance: OK, I'd be happy to help you with that sir. let's pull up your account. What is your full name and address?

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

utterance: Thank you George, what is your date of birth?

utterance: September twenty first nineteen ninety-nine.

utterance: Thank you. Your Intellibank pin?

utterance: It's sixteen sixty-two.

utterance: Thank you. So I show you have a term loan with us. Please verify for me the account number.

utterance: sure, I have it written down here, you mind giving me a second while I go look for that?

utterance: Absolutely, take your time.

utterance: Alright I've got it. It is zero zero one six three nine three three one eight.

utterance: Thank you. So this was originally a twenty-five thousand dollar term loan and your balance owed is currently thirteen thousand four hundred seventy-nine dollars and thirty-one cents.

utterance: OK.

utterance: Yeah, I, I'm gonna go to a branch location and make a payment in cash. could you tell me the closest branch location to me and could you also tell me their hours?

utterance: Absolutely. Location and hours my closest branch to you is two twenty-eight Lavern Court, and their hours their lobby is open Monday through Friday nine a.m. to five p.m. and Saturday ten a.m. to two p.m. their drive through is open Monday through Friday eight a.m. to six p.m., Saturday nine a.m. to three p.m. and they have a twenty-four ATM available in their entryway. Anything else I can help you with?

utterance: You know what, is this, can I make a payment to my loan online?

utterance: You absolutely can, yes.

utterance: OK, I tried to log in before, but I wasn't able to, could you help me log in?

utterance: Sure! I'll be able to help you with that. Let me pull up my information. You said you attempted to I do see that you've never successfully logged in, you haven't set up your credentials, is that what you need help with?

utterance: Yeah, I tried to log in with the credentials that I thought I had, but I don't know why, I don't know why I thought I, those were the correct ones, I never actually was able to log in.

utterance: OK. if this is your first time using Intellibank's online banking, you have to click the first time user's enroll here link. When you get there, you will read and accept the online banking disclosures and enter your account number, your social security number, your date of birth, your Intellibank pin number and you will be asked to create a password. Once you are all logged in there, you'll be prompted to choose and answer five security questions, and also enroll in the one time security code feature. Does this make sense?

utterance: Yeah, that makes sense.

utterance: Alright George, so once you get there, you will be able to see all your accounts that you hold with Intellibank, you'll be able to see your balances, you can set up bill pay, you can pay your loans with us on a monthly basis. You can set that to automatically come out of your checking or savings accounts. or you can do it as a one time thing whenever you feel you want to. Would you like me to send you this information via email?

utterance: Yes please.

utterance: Alright, that information has been sent. Is there anything else I can help you with today George?

utterance: No, you done everything I needed, thank you.

utterance: Absolutely, we are here to help, and that's what we like to do, so thanks for choosing Intellibank and have a great day.

utterance: You too, bye.

utterance: Thank you, bye bye.


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

utterance: Hi sorry give me a moment. It's just lot of things going on. OK hi I think I'm supposed to be setting up some automatic payments for my credit card.

utterance: OK yeah we can totally do that. Are you already an Intellibank customer?

utterance: Yeah I am.

utterance: OK so let's start by getting your full first and last name as it appears on your Intellibank account.

utterance: it's Nellie. N E L L I E Proctor.

utterance: All right and your date of birth?

utterance: October twenty seventh nineteen ninety-four.

utterance: OK and your twelve digit account number?

utterance: where can I find that?

utterance: that'll be at the top of your statement.

utterance: OK. it says the account number is six four four six two seven nine seven six two two three.

utterance: All right. And your four digit PIN?

utterance: It might be three seven three zero?

utterance: All right. That is correct. This'll just take a moment while your account pulls up.

utterance: OK. Is it OK if I'm doing work while we're on this call?

utterance: Oh absolutely.

utterance: OK. How long does this usually take?

utterance: You know unfortunately our system has been running very slow, but as soon as this kicks in it should only take no more than two minutes.

utterance: OK thank you.

utterance: All right.

utterance: Is there any other information I'm gonna need to prepare so I can get it ready?

utterance: Yeah we're going to need your credit card number. We're gonna need your account number from the account you're gonna debit that from. We're gonna need that account's routing number. We're gonna need the payment date and we're gonna need the payment amount.

utterance: OK.

utterance: OK and it looks like we have that all pulled up. So let's go ahead and get that sixteen digit card number.

utterance: It is zero eight one zero three two seven four five three nine five. Zero seven five two.

utterance: OK. and your bank account number that you're we're gonna debit out of every month?

utterance: it should be nine one five four five nine four nine nine four one two.

utterance: OK. and I'm gonna need the nine digit routing number.

utterance: . six three two one eight seven three nine nine.

utterance: And how much will we be debiting every month?

utterance: let's just do the account balance.

utterance: All right and which date every month would you like these to be set up for?

utterance: Mm maybe like the the fifteenth of each month.

utterance: OK. All right this is all set up. Is there anything else I can help you with today?

utterance: no thank you.

utterance: Well then thank you for calling Intellibank and you have a absolutely fantastic rest of your day. Thank you.


utterance: Thank you for calling Intellibank. We have a low rate SBA loans and we're the home of smart savings.

utterance: My name is Robert. How can I help you today?

utterance: Hello, Robert. I'm I'm. my name is Melvin and I'm looking to get a free credit report. I'm supposed to be getting a free credit report this year.

utterance: OK, Melvin. I can definitely help you get a copy of your credit report here.

utterance: I just need to verify some information from you.

utterance: First, I need to get into your account. There's a four digit PIN number that's associated with your Intellibank account. Do you have that with you, Melvin?

utterance: Six eight three three.

utterance: Six eight thirty-three. All right. Just give me one moment while that opens up.

utterance: OK and just verify your date of birth for me, please?

utterance: All right. That's eleven fourteen eighty-five.

utterance: Great and also verify your mailing address for us.

utterance: All right. That's four three six eight Wilbur Avenue LA nine oh oh oh one.

utterance: Four three six eight Wilbur Avenue. OK.

utterance: And is this is your business address. Correct? Is that the same as your shipping address?

utterance: It's the same.

utterance: It's the same. OK.

utterance: OK both address are the same.

utterance: All right.

utterance: You you only have one address there, right?

utterance: Yes.

utterance: Should only be one address on my account.

utterance: Yes, sir. There's only one address. I was just making sure.

utterance: All right just making

utterance: Sure.

utterance: If there was another address.

utterance: Really funny

utterance: Stuff going on with my account.

utterance: No. No funny stuff. I was just making sure that that if there was another address I would have gone ahead and updated your account with that today. But since we don't, we will. We'll move on to now we're at a point where we can order your credit report. What is your social security number, sir?

utterance: two two two four four six six eight eight.

utterance: Six six eight eight.

utterance: Yeah.

utterance: All right and just give us one moment. I've entered that information in our computer and now it needs to compile all your information from the credit bureaus and FICO. But while it does that we have a brief moment, I'll just let you know that we have great rates on our SBA loans. We have a new Diamond Business credit card and I also see that you're a Diamond checking account holder.

utterance: Which prequalifies you for that.

utterance: OK. Yeah.

utterance: I've been with you guys what? Seventeen years or so.

utterance: Yeah. Seventeen.

utterance: Long time.

utterance: Yes, congratulations for staying in business for that long.

utterance: I should

utterance: Get a gold bar for that.

utterance: A gold bar.

utterance: Wouldn't you want a gold bar?

utterance: It's a you know. You're with the bank for a long time. You're holding, you know, my meager money. Meagerly earned. I could get a you know. I'm just. Yeah, I'm just playing with you. You know, I just. You know. I sometimes joke around. I'm just kidding. That's just Melvin's way of doing things.

utterance: How about let's get this yeah, I'm sorry. I didn't mean to throw you off there. Let me. Let me. Let's get back on track. Credit report.

utterance: Yes. yeah that was a nice brief commercial break, Melvin. I'm I appreciate that. so while the whole time we were doing that, it's been populating the the credit report. So there's there's no lag in what we're doing. We're just waiting for the computer to populate this information. Would you like this to be sent to you through mail which is certified or would you like a secured email?

utterance: Email email just as

utterance: Soon as possible.

utterance: OK a secured email. OK great. which is the option that most people choose but I will let you know, however, that the email there's a twenty-five dollar charge for the secured email because what it does is it make sure that none of your information is gonna be stolen or hacked.

utterance: Would you like to place that twenty-five dollars on your business card? Or would you like to charge that to your account? OK.

utterance: Let's let's bill it to the account.

utterance: OK so the account that I have here ends with seven zero nine BS. Is that correct?

utterance: Yeah. You see the other accounts. Make sure you don't get the other accounts on there. Just that account. OK?

utterance: No, sir. Just the seven zero nine BS. Is what we're going.

utterance: This is only

utterance: Gonna be charged to the one account. Correct?

utterance: Yes, sir.

utterance: OK.

utterance: And I have your permission to charge that account for twenty-five dollars?

utterance: Just the one account.

utterance: OK.

utterance: All right so the charge has gone through. The email has been populated and it has been sent. You will find in that email, there will be links to our online banking as well as our mobile banking.

utterance: So if you have any questions. Anything that you need answered, off-peak time, they can be answered twenty-four seven from our helpdesk.

utterance: Is there else I can help you out with today, sir?

utterance: No no. I think we covered it all. I think we covered it all.

utterance: Really appreciate you. Thank you very much.

utterance: All right. Thank you, sir. Have a great day.

utterance: You too.


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

utterance: Hi, Jeanna. I like that name. I hope you don't mind me stealing it to give to my daughter. a she's having our first granddaughter. And she's stuck picking names.

utterance: Oh, that's all right, sir. I was actually given that name by my grandmother so that would actually be my honor to have that name passed along.

utterance: Oh. Thank you. Thank you for that. back to why I called. I'm just calling because I wanted to purchase some stock market I mean some stock could use in a market order.

utterance: I can absolutely help you with your market order request Sir. I'll have to get a little information from you so that I can go ahead and look you up in our system and set up that order on your account if you don't mind.

utterance: I don't mind.

utterance: All right, Sir. Can I get your first name please?

utterance: First name is Gabriel.

utterance: All right. Can I have your last name, Sir?

utterance: My last name is Robinson.

utterance: All right, Mr. Robinson. Could you give me your date of birth as well please?

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

utterance: All right. To verify that date was ten twenty-four nineteen seventy-four, Sir?

utterance: Yes, that would be it.

utterance: All right, Sir. Can I have the PIN associated with your account with us?

utterance: my PIN?

utterance: Yes, Sir.

utterance: hold on. hold on, let me hold on me look for my statements so I can see if on there, see if I can find it.

utterance: Yes, Sir. Go right ahead.

utterance: All right. Just a minute, please. Jeanna, I can't see to find that anywhere right now. Is there anything else I can do?

utterance: no, Sir. In order to verify your account with I'll send an order to process a payment on that market order. We'd have to have your pin as well as your account number so we would need two points of verification in order to make sure that this is actually well documented and processed correctly, Sir.

utterance: Oh, man. I'm hoping to get that done today.

utterance: I'm so sorry, Sir. You could still get this done today if you actually have access to your PIN later today. We're open twenty-four hours a day, Sir. So you can give us a call back.

utterance: Hey, I can do that.

utterance: OK, Sir. I'd also like to advise you that if you are one of our online banking customers you can actually access your account online. and then you could actually go through the steps of purchasing a stock market stocks through a market order on there.

utterance: OK. So what do I need to do that?

utterance: All right, Sir. First you would go to Intellibank dot com. You, if you haven't already signed up for an online banking account, you can go through the steps through the right top tab in the corner of that first page on our site. It will give you access to that secondary page. That's for our business clients. You would go into that account and it would give you the steps and the walk through in order to set up an online banking account. Once you set up that account you'll be you'll be able to access your account information and you'll be able to pay your credit card purchase stocks, get stock quotes and an understanding of your treasury bond yields or any other information you have through our account at this banking facility, Sir.

utterance: All right. That sounds great.

utterance: But feel free to give us a call back if you don't want to go through those steps today, Sir. We're available twenty-four hours a day and we'll be here anytime you need to go ahead and purchase stocks.

utterance: OK. Sounds good.

utterance: OK, Sir. All right, Sir. Is there anything else I can help you with, Sir?

utterance: That would be great.

utterance: That's about it. And I just would like to say Jeanna, thank you very much for letting me get that name cuz my daughter really been struggling picking names so thank you for that.

utterance: Oh, that is no problem, Sir. I will tell my grandmother. I'm sure she would appreciate that name being passed on since I don't have any kids yet so she's been bothering me over that a lot.

utterance: Oh wow.

utterance: Well, time to give her what she want.

utterance: I don't know, Sir. she's not gonna be the one taking care of them so. All right Mr. Robinson. Is there anything else I can help you with today?

utterance: That's about it.

utterance: All right, sir. Thank you so much for giving us a call today. Again my name was Jeanna. and I hope you enjoy the rest of your day, Sir.

utterance: Thank you.

utterance: Thank you so much, sir. Bye bye.


utterance: Hi. This is Danny Brooks with Intellibank. What can I do for you today?

utterance: Hi. I I have an account with you I it's it's been a while since I've since I've spoken with anyone in your office but I wanted to to just verify my net income because I I I had it printed out on the statement but you know my nephews were over and and they started moving stuff around the house and I misplaced it and and I can't find it like I think this last year it was like around a hundred thousand but I can't I can't find it Could you help me with that?

utterance: Of course I'll be happy to help you. can I start by getting your full name?

utterance: Yeah yeah. My name is is Justin Lee.

utterance: OK. Is that L I or L E E?

utterance: It's L E E.

utterance: OK. Great. so I'm gonna pull up your account for you but can I first start by getting your credit number please?

utterance: yeah it's one five six one three four one nine zero nine zero six one nine eight seven.

utterance: OK so just to confirm that's one five six one three four one nine zero nine zero six one nine eight seven.

utterance: Yes.

utterance: OK. And can I get your PIN for your account?

utterance: Yeah it's zero six two one.

utterance: OK. I'm gonna go ahead and ask you some security questions just to verify your identity.

utterance: OK.

utterance: What's your birthday?

utterance: My birthday is fifteenth of February. Nineteen ninety-five.

utterance: OK February fifteenth nineteen ninety-five.

utterance: Yes.

utterance: Ok great and you set up some security questions with us when you created your account so I'm just gonna go ahead and ask you those.

utterance: OK yeah. Let's let's try it on right I have the worst memory but yeah let's let's give it a shot.

utterance: OK. What was the street that your mother grew up on?

utterance: I think I think she was on Amsterdam. I think it was like a hundred and a hundred and five and Amsterdam yeah a hundred and fifth yeah Amsterdam

utterance: yes OK. And what was the name of your first pet?

utterance: Spooky.

utterance: Spooky.

utterance: Notorious.

utterance: that's not coming up in our system.

utterance: No?

utterance: No OK try try try Bubba.

utterance: Bubba. Is that with two B's?

utterance: Yeah two B's.

utterance: OK great. OK so I'm gonna go ahead and pull up your account and you said today you wanted to check your net income.

utterance: Yes. Please.

utterance: And for the whole year.

utterance: Yeah the whole year and I'd like to compare it to the the previous year.

utterance: OK just one moment please I'm gonna pull up both of the years for you. OK so for last year your net income was seventy thousand. And for this year your net income is ninety thousand.

utterance: Wait how is that possible? I I'm pretty sure my income this year was three hundred thousand.

utterance: OK right now in the system I'm looking at the account right now and it's saying that it is just ninety thousand this year. Is it possible that you have another account with us?

utterance: Impossible and this is the only business account I mean that's that's just not correct that that can't that can't be the case like I I mean could could you check again, because I like I don't.

utterance: Of course I'll I'll run I'll run it through the system again just one moment.

utterance: Yeah.

utterance: Because like I don't now how that's possible.

utterance: OK so it's still looking like it's still saying ninety thousand net income for this year. Do you have a

utterance: Are you sure?

utterance: Like my name is Justin Lee L E E E like it's you pulling up the right account? Because.

utterance: Just.

utterance: Yes.

utterance: unfortunately this the information that we have in the system. Do you have a paper statement in front of you that's saying the net income that you thought it was?

utterance: I did but it like I don't have it on me. It's in my house so I'm in the office until I got have to commute to You know what let me Let me go back to the house and and and I'll get it and I'll I'll call back. I I can call back because I just I I Yeah.

utterance: Of course.

utterance: I'm sorry about that, sir.

utterance: Yeah.

utterance: I I cool. So I'll call you back with the with the right statement.

utterance: OK.

utterance: All right. Thank you for your help.

utterance: Of course. Have a good day.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. My name is Eva and I'm here to assist you this evening. How may I help you?

utterance: hi, I need to change my address please, an address you guys have on file for me?

utterance: Of course. I would be glad to help you with that. Who do I have the pleasure of speaking to this evening?

utterance: My name is Kathy Stolker.

utterance: Would you mind spelling that for me?

utterance: Kathy is K A T H Y, Stolker is like stalker, except with. Instead of an A there's an O.

utterance: OK, S T O L K E R?

utterance: That's

utterance: right.

utterance: All right. Right, one moment while I put that in. And just double checking, will I find you as Kathy or Katherine?

utterance: You'll find me as Katherine and then in quotes it says Kathy.

utterance: OK great. Let me look that up. OK, yes Exactly. Kathy excuse me. Katherine, Kathy quote, end quotes.

utterance: Yeah.

utterance: Oh, you know what I'm so sorry. I'm getting another call. Can you hold on for one second please? I apologize.

utterance: On. I'm. I'll hold, no problem.

utterance: Thank you.

utterance: Hmm. OK, I'm back. Thank you, sorry about that.

utterance: Of course. so Kathy, you said you wanted to change your address.

utterance: yes. I, I moved. Yay! I hated where I was living before.

utterance: Ok~

utterance: Oh, congratulations on moving to a nicer place.

utterance: Yeah, thank you. I have a garden and it's a house, not an apartment. And I got rid of my crappy roommate. I'm just so excited.

utterance: Wow.

utterance: Well, if you don't mind me saying Kathy it sounds like you hit the jackpot.

utterance: Yeah, I'm really excited.

utterance: Well, good for you. Kathy just so I can pull up your information, can you please verify your date of birth.

utterance: date of birth is twelve, twenty-two, seventy six.

utterance: All right.

utterance: Give me one moment while I put this in. OK. And then there is also a four digit PIN or security number that you created yesterday?

utterance: Oh, my god. I.

utterance: Just felt an earthquake.

utterance: What?

utterance: Holy mackerel. Did. Where are you. Oh, oh no. I just moved in! Oh my god .

utterance: Are you OK? Hello, Kathy, are you still there? Huh. Oh my.

utterance: Hello? Hello? Yeah, are you there?

utterance: I'm here. My goodness, that was insane. I've never been in an earthquake before. I think I don't know if I wanna stay stay here.

utterance: Oh.

utterance: Oh

utterance: Goodness. Are you in California?

utterance: I am.

utterance: Oh.

utterance: I think I moved. Like I feel like I'm right on top of a fault.

utterance: Ooh.

utterance: Like the San Andreas fault. The guy who sold me the house, he did warn me about that but I was like, nah, no way!

utterance: Oh goodness gracious. Are you OK to continue?

utterance: I guess so! I mean, I I I feel like Dorothy in Oz, like the, the house just in the and the house just fell into the ground! Yes I'm fine, let's change it, go ahead.

utterance: OK, not a problem. so I have your date of birth and I was just asking you for. Oh my goodness! I. My heart's racing a little bit for you right now. I just need your four digit PIN number.

utterance: The four digit PIN is zero zero one two.

utterance: Zero zero one two.

utterance: That's correct.

utterance: I'm sorry, I'm just putting it in the system. OK, great. And your previous address I see was on Mulholland Circle?

utterance: OK.

utterance: yes. Mulholland Circle. And the new one. Is six three three, Devil's Fork Drive.

utterance: OK.

utterance: Devil's Fork Drive?

utterance: Devil's Fork Drive, that's correct.

utterance: Huh.

utterance: And that's It's in Redding, California.

utterance: OK.

utterance: And the ZIP is nine three zero two four.

utterance: OK. Let me just read this back to you. Six three three, Devil's Fork. Like knife, fork, spoon. Drive.

utterance: Mhm.

utterance: Mhm.

utterance: In Redding, California, nine three zero two four.

utterance: Yes, that's correct.

utterance: All right.

utterance: Give me one moment while I generate the change.

utterance: OK. That has been changed. I do see that you're set up for paperless billing, so this will not interfere with you receiving any statements. So you're good there. Kathy while I have you on the line, is there anything else that I can change for you?

utterance: No, I'm good. Thank you.

utterance: All.

utterance: Are you OK?

utterance: Yeah.

utterance: I'm fine. I'm just a little shell-shocked.

utterance: Sh~

utterance: Sure. Sure, welcome to your new neighborhood.

utterance: Oh my.

utterance: Goodness. Oh. Man I I hope we don't lose power. all right, I'll let you go. Thank you so much.

utterance: Oh.

utterance: Thank you for calling Intellibank, and have a good night.

utterance: Bye.


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

utterance: Yes Jerry I would like to know what the US consumer price index is?

utterance: All right sure I'll be happy to assist you with that. Do you have an account with us?

utterance: Yes.

utterance: All right and ma'am if I could just ask what is your first and last name?

utterance: Evelyn Richards.

utterance: All right and Ms. Richards if I could ask what is the name of the business that has an account with us on file?

utterance: Jones Bed and Bath.

utterance: Terrific terrific and Ms. Richards I'm just gonna ask few questions in order to verify your account because we do take your account security very seriously here and it is for you and your business's protection is that all right?

utterance: That would be fine.

utterance: Awesome and Ms. Richards what is the or what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right and what is your business address?

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

utterance: Awesome awesome and what is your phone number for the account?

utterance: Six seven eight two zero two four two five three.

utterance: OK and what is the business email address?

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

utterance: All right all right and what is your account number Ms. Richards?

utterance: All right. Can you hold on and let me get that?

utterance: Sure be glad to hold.

utterance: All right it's nine eight four six five nine one.

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

utterance: Yes.

utterance: Terrific terrific and final question on this is what is the PIN number that you have for your account Ms. Richards?

utterance: One zero seven one.

utterance: Thank you for that Ms. Richards and I was able to go ahead and verify your account and get your information pulled up here. And you mentioned that you wanted to know what the US consumer price index is.

utterance: Yes.

utterance: OK any particular category you're looking for? Were you looking for all or were you looking for energy?

utterance: Right yeah I would like to know what all is and for the last year.

utterance: OK you're looking for the past year's information.

utterance: Right.

utterance: OK and Ms. Richards let me see if I can get this pulled up.

utterance: OK thank you. you know while you're doing that I just wanted to just say that you know the Braves won the series seven two zero.

utterance: That is just amazing.

utterance: Yes if you're referring to the world series you're right that last game it was a seven to nothing victory for the Atlanta Braves who are the world champions it sounds like you must be a supporter.

utterance: Definitely and just happy you know there's nothing you can just you know that's just wonderful.

utterance: I I I can fully understand your excitement, it's always great when your team wins at all particularly if the team has been a minute since they've last won their championship it has to be exciting.

utterance: Oh yeah they just about lost it, it was just so much energy and just happiness about that because it was a great victory.

utterance: Well that is terrific and again congratulations to you and to all of the Braves fans.

utterance: Yes thank you.

utterance: You're welcome. You're welcome. yes I was able to get that information as you requested there Ms. Richards and for the US consumer price index it has increased zero point two four percent over the past year.

utterance: OK so it's up obviously.

utterance: Yes ma'am as you're aware it is up and with that of course suggests is that the cost of goods across all major categories has increased year over year from twenty twenty to twenty twenty-one and this information as I'm sure you're well aware is important to you as a business owner because if the general cost of goods are increasing for customers across all categories for most major goods.

utterance: It's likely because of the fact that there likely was an increase in cost to you the business owner.

utterance: Yes OK well I thought that that would increase considering all that's been going on.

utterance: Right and and and again another reason why folks of course as you know find this information valuable is if you have to increase your prices you can feel confident that you aren't the only one including your competitors who had to increase their prices. You can feel in a sense justified that knowing that if you had to increase your prices by say a half a percentage point practically speaking across the country everybody's had to pay more and so you don't have to necessarily feel bad if you will if you had to increase the prices for your services and goods.

utterance: Exactly everyone can share.

utterance: You know I suppose and obviously our job here we're in here to advise business owners like yourself is to look out for you the business owner and so you can understand that if you need to increase your prices you'd really just be in line with what everyone else is doing.

utterance: Exactly that's a good feeling.

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

utterance: No not today I appreciate your help.

utterance: Terrific well thank you Ms. Richards for giving us a call and we appreciate the your business.

utterance: Thank you.

utterance: You have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Trinity how can I help you?

utterance: Hey, Trinity, how are you doing today? I, I actually I just as soon as you said Trinity I started blessing myself, thinking of the holy trinity.

utterance: aha that's funny.

utterance: and hey, like, when I'm dealing with money and bills, and stuff like that, I have to bless myself always.

utterance: Yes, I hear you. How can I help you today?

utterance: all right. So, let's let's keep the blessings going and let's help me step forth and I, I, I you know it's a scary thought, it really is, like I, I, I'm just a small blip in this thing called life. And, I'm one person, one business. And, you know, I, I get a lot of statements each month for different things. For my business, not only from Intellibank, from a other companies as well. but then you think, on the big spectrum of things, how many people is, we'll just say Intellibank. How many people are you guys sending out monthly statements to a month? It's a it's a, it's a scary thought, so I just like let me let me go and eliminate myself from that. save you guys the stamps save the envelope, save the couple a sheets of paper, and whoever's folding them. And stuffing them. you know, is there a way I can just sign up electronically from here on out for things?

utterance: Yes, absolutely. We, we would love to help you with that today. do you have a few moments? So that we can go through?

utterance: Yeah, yeah.

utterance: Absolutely.

utterance: OK, great. Well, what is your first name?

utterance: My name is Joseph.

utterance: And what's your last name, Joseph?

utterance: It's Monte.

utterance: M O N T E.

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

utterance: it's March thirtieth.

utterance: Mhm.

utterance: Nineteen eighty-six.

utterance: OK. And your PIN number?

utterance: the PIN is three zero eight six.

utterance: OK. Now is this, do you wanna be, set up for, is this a loan or or these credit card?

utterance: you know what, honestly? I I'm thinking just let's, lets do the loan, yeah. I have a second one through. Yeah I have a loan through Intellibank.

utterance: OK. You want to start with your loan payment?

utterance: OK.

utterance: For my business.

utterance: OK. do you happen to have the loan account number?

utterance: Oh. Yes I do. Let me let me get that loan number.

utterance: OK.

utterance: OK. I'll take that one whenever you're ready.

utterance: All right. That number is.

utterance: Mhm.

utterance: zero one.

utterance: Mhm.

utterance: Seven nine.

utterance: OK.

utterance: One one two zero.

utterance: OK.

utterance: Seven six.

utterance: OK, so that's zero one seven nine.

utterance: Mhm.

utterance: Mhm.

utterance: One one.

utterance: Mhm.

utterance: Two zero seven six. OK. So Would you like it to just come to you, obviously, just through email, just electronically?

utterance: Correct.

utterance: Yeah, that, that's perfect.

utterance: OK, right. And what is your.

utterance: No stamps needed for email.

utterance: Right exactly. What is your email address?

utterance: oh, the email is, J just the letter J.

utterance: Mhm.

utterance: Monte, M O N T E.

utterance: Mhm.

utterance: Nineteen eighty-six.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK. And is the J capitalized or.

utterance: It is.

utterance: OK. All right. Ts, all right. So, I sent that over. Is there a way that you could check and make sure that you receive that link? Because, this morning my system seems to be glitchy. And some people didn't get their emails, and I would hate to, for you to have to like, call back again and, you know, maybe speak to another agent.

utterance: Right.

utterance: So is there any way that you could check, just make sure that I that you received it?

utterance: Yeah, absolutely hang on a second.

utterance: OK.

utterance: OK.

utterance: Are you still there?

utterance: I am.

utterance: OK. OK.

utterance: I just didn't want, I wanna make sure I didn't.

utterance: I. I. My computer. Yeah.

utterance: My computer's a little slow.

utterance: Yeah, I just wanna make sure I didn't, like, lose you by, by mistake

utterance: OK, I'm refreshing. And boom, yep, I got it. Trini~.

utterance: OK, perfect. OK. And Mr. Monte, while I have you on the phone, are you interested in online banking? Cuz, you can do, set all this up yourself through online banking. And it doesn't just have to be the Intellibank payments that you owe. You could set up your monthly electric bill, you know like it doesn't have to just be Intellibank things. And it'll make it really convenient for you.

utterance: Yeah. Yeah, totally. Yeah.

utterance: What do you think? All.

utterance: All right, so I'm gonna send you an email. And, it'll just prompt you like, just click on the link, it'll prompt you through, it's about three easy steps. And then at the end it'll ask if you want a banking card with that. You don't have to. If you do decide to order the banking card to go with the account, the online banking, it'll take five to seven business days. But all right so I sent that over to you. And, Mr. Monte, is there anything else I can help you with? Do you have any questions? About setting up the online banking? .

utterance: OK.

utterance: No, I.

utterance: It it should. I should be able to like you know, walk right through it. If there's any problems I can just give you guys a buzz back.

utterance: Yeah, absolutely. Our customer service line's open until eight p.m. eastern.

utterance: Mhm.

utterance: We're always here for you, so it was a pleasure speaking to you today. And thank you for calling Intellibank.

utterance: You too.

utterance: Thank you for your help.

utterance: Bye bye.


utterance: Hi, thank you for calling Intellabank, this is Holley speaking. How may I assist you today?

utterance: Good morning, Holley. How are you today?

utterance: I'm doing great, Ma'am. Thank you so much for asking. How about yourself?

utterance: I'm doing well also.

utterance: The reason I'm calling this morning is that I'll be needing a business credit card and I'd like to fill out an application if I can. my business is really doing well, and I wanna keep my business I get a business card separate from my other purchases, and could you be able to help me do this morning?

utterance: Oh, absolutely, Ma'am. I'd be more than happy to help you apply for one of our corporate credit cards.

utterance: I do need to get some information from you for the application.

utterance: May I have your name, please?

utterance: I'm Joyce Krinsky.

utterance: That's K R I N S K Y and I live on two oh eight, Old Mill Road.

utterance: And it's in Nyack, New York.

utterance: OK, thank you, Ma'am. I have your first name as Joyce, J O Y C E.

utterance: And your last name as Krinsky, K R I N S K Y.

utterance: And I have your address, your home address, as two zero eight Old Mill Road. Old Mill, that's two words or one?

utterance: Two.

utterance: Thank you so much, Ma'am. And that's in Nyack, is that N Y A C K?

utterance: Of course.

utterance: OK, thank you. And that's in New York?

utterance: Yes, Ma'am.

utterance: Thank you very much. And may I have that ZIP code, please?

utterance: Three one eight, four three.

utterance: Sorry, three one eight four three?

utterance: Correct.

utterance: Thank you, Ma'am. And may I have your social security number, please?

utterance: Yes, Ma'am, it's six four four nine eight oh seven three six.

utterance: Thank you. I have six four four nine eight zero seven three six.

utterance: Correct.

utterance: Thank you, Ma'am. And may I have your drivers license number, please?

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

utterance: Thank you. I have six nine six, two four one two five?

utterance: Correct.

utterance: Thank you. And what state was that issued?

utterance: New York.

utterance: New York. Thank you Ms. Krinsky.

utterance: and any time that you call and you need to access any information about your account, or if you're wanting to call and check the the status of this application then for security purposes, we do require a PIN number, and that can be anywhere from four to eight digits long. What would you like that to be?

utterance: I believe I'll use oh three oh seven.

utterance: OK, zero three, zero seven?

utterance: Yes, ma'am.

utterance: Thank you, ma'am. And may I have your email address, please?

utterance: J Krinsky twelve at Gmail dot com.

utterance: OK, thank you. I have J K R I N S K Y one two at Gmail dot com.

utterance: Correct.

utterance: Thank you so much. And may I have the name of your business, please?

utterance: I own a nail salon and it's called Lovely Nails.

utterance: OK, Lovely Nails, thank you, Ma'am. And are you the sole owner of this business?

utterance: Yes, Ma'am, I am.

utterance: Thank you. And may I, what date was this business established?

utterance: May the fifteenth, two thousand and seven.

utterance: All right, May fifteenth, two thousand seven, and what are your gross annual sales, Ms. Krinsky?

utterance: Fifty-five thousand a year.

utterance: OK, fifty-five thousand, thank you. And may I have your tax ID number, please?

utterance: Yes, Ma'am. my tax ID is nine two three, eight six nine, three nine eight.

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

utterance: Correct.

utterance: Thank you. And may I have your business address, please?

utterance: Yes, ma'am, It's three ten, Riverview Drive, Nyack, New York.

utterance: Thank you.

utterance: I have three one zero, Riverview, is that one word or two?

utterance: One.

utterance: Thank you. So, three one zero, Riverview Drive, in Nyack, New York. And may I have that ZIP code, please?

utterance: Three one eight four three.

utterance: Three one eight four three, thank you so much.

utterance: And we do need a mailing address for you, Ms. Krinsky. That can either be your home address or your business address.

utterance: I prefer you use my business address.

utterance: OK, thank you. And just for verification, that again is three one zero, Riverview Drive in Nyack, New York three one eight four three?

utterance: That's correct.

utterance: Thank you so much. Now Ms. Krinsky, we do have, or we do offer three different types of credit cards.

utterance: We have our Intellabank business platinum card, with that you would get two percent back on all purchases and it does have a one hundred dollar annual fee.

utterance: Then we also offer the Intellabank business gold card that offers two percent cash back on gas and groceries, but has no annual fee.

utterance: And then we also offer our Intellabank business silver card. that one would have no cashback and it would have no annual fee. Which would you like to apply for?

utterance: I believe the Intellbank bank business silver card.

utterance: OK, so our Intellabank business silver card. Thank you so much, Ms. Krinsky.

utterance: And that actually does conclude all the information I need for your application just make sure and please send in your supporting business documentation, then we will get back to you just as soon as possible with the results of your application, OK?

utterance: That sounds good. Thank you.

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

utterance: No.

utterance: Ma'am

utterance: OK, well thank you so much for calling Intellibank. Have a wonderful day.


utterance: Good evening. Thank you for calling Intellibank. How we doing today?

utterance: I'm OK. How are you?

utterance: I'm doing

utterance: Very well. What can we do for you today?

utterance: A simple email update.

utterance: Oh great. can I get your name please?

utterance: Mhm.

utterance: Yeah my name is Georgetta.

utterance: Georgetta.

utterance: Mhm.

utterance: All right Georgetta, that's a great name. What's your last name?

utterance: Mm, thank you.

utterance: Linto.

utterance: Georgetta Linto.

utterance: Mhm.

utterance: Georgetta Linto, what can we do for you, update an email address?

utterance: Yes.

utterance: Mm great. Can I get your account number please?

utterance: My account number is four three three two.

utterance: Four

utterance: I'm sorry, four three three.

utterance: Mhm.

utterance: Mhm. Two one.

utterance: Two one.

utterance: Six two four nine one.

utterance: Six two four nine one.

utterance: Yeah.

utterance: Great, and can I verify your last four digit social?

utterance: Four three two two.

utterance: Four three two two, Georginta Linto.

utterance: Great, what's the email address we're updating to?

utterance: Gonna update it to Gentle Lee's.

utterance: Gentle Lee's.

utterance: Mhm. At Gmail dot com.

utterance: Gentle Lee's at Gmail dot com. Perfect. OK we're all updated. While we're.

utterance: Yeah. Mhm.

utterance: While that's coming up do you wanna hear about any of our loan offers?

utterance: Sure. Yeah, I would love to.

utterance: Oh great. well we have the SBA seven loan which is great for small businesses. Do you have a small business?

utterance: I do, it's actually it's a holistic small massage business.

utterance: Holistic small massage business, interesting. I've never heard of those.

utterance: Mhm. Yeah.

utterance: Yeah.

utterance: great. Well I hope business is booming.

utterance: I think the SBA seven loan would be perfect for you.

utterance: Oh you do?

utterance: I do, yeah.

utterance: OK.

utterance: We have I mean, it's like a seven percent interest rate.

utterance: It's pretty high, but doable.

utterance: Yeah, OK.

utterance: Yeah well, we'll see.

utterance: I dunno if we'll see. I dunno. Anyway, just ignore me. so let me see. Would you like me to see if your. You get approved?

utterance: Yes.

utterance: All right. da da. Let me type in your information. Oh you're approved.

utterance: Oh wow great.

utterance: Perfect.

utterance: What happens now is I could send you over to our finance department and we could get you to they could help you more in depth with the stuff I can't help you with.

utterance: Uh-huh.

utterance: And yeah, you go from there. is there Is there anything .

utterance: da oh wow. Sorry there was a a bird outside.

utterance: What kind of bird?

utterance: It was a blueberry. Blue bluebird.

utterance: It was a blueberry bird.

utterance: A bird eating blueberries.

utterance: A bird eating blueberries.

utterance: Was it a bluebird eating blueberries?

utterance: It

utterance: It was a bluebird eating blueberries. would you like to hear about our mobile banking? Are you interested in that at all?

utterance: Wow.

utterance: yeah, I I would hear about it.

utterance: You would hear about it? OK great. So mobile banking is very simple. It's banking in the palm of your hand.

utterance: Did you come up with that or is that what they.

utterance: Do you.

utterance: they came up with it. I mean, I think I came up with it, but they come with it.

utterance: They .

utterance: OK.

utterance: I don't get credit for anything here.

utterance: Oh you don't?

utterance: No.

utterance: Mm.

utterance: But I love my job.

utterance: If. Do you What state are you in?

utterance: I'm in Colorado.

utterance: Oh. You love your job though. You wouldn't be looking for new employment.

utterance: Oh you're hiring at the massage place?

utterance: Yeah.

utterance: Oh. Interesting. Well I'll I'll keep that in mind.

utterance: Mhm.

utterance: And we're actually in Colorado too.

utterance: Oh.

utterance: Where? In what city?

utterance: Yeah, in Boulder.

utterance: Oh, whoa I'm in Boulder.

utterance: Wow yeah, and not only do we offer part of our company.

utterance: Yeah.

utterance: as your own. You know, you get to own part of the company as an employee. We also pay you to learn our specific type of healing.

utterance: Oh my god that sounds incredible.

utterance: Yeah. Yeah.

utterance: Yeah.

utterance: I don't know if that could beat telemarketing though or, you know, talking to customers all day on the telephone for eight hours a day.

utterance: No you don't talk to customers.

utterance: You physically work with people.

utterance: Oh.

utterance: Mhm.

utterance: Interesting.

utterance: Yeah.

utterance: That's great.

utterance: Yeah might be something to consider.

utterance: I'll consider it, but why don't you consider mobile banking?

utterance: OK. Let's both consider new things.

utterance: All right.

utterance: I'll email you this to your new email. I'll email you this thing about. This information about mobile banking and you'll. It'll be all set to go.

utterance: Uh-huh.

utterance: OK.

utterance: Just download the app and put in your account number, log in and everything. You can even deposit checks from your phone.

utterance: Oh wow, that's really handy to have, and it's just Intellibank?

utterance: Mhm.

utterance: The app.

utterance: The app is Intellibank. Intellibank.

utterance: Intellibank.

utterance: Like intelligent but Intellibank.

utterance: Yeah, like. Yeah. Right.

utterance: Got it. OK, great. Well, it's been a really helpful talk with you and thank you so much.

utterance: Yeah.

utterance: Yeah, great.

utterance: Thank you. Have a wonderful day.

utterance: You

utterance: Too. Goodbye.

utterance: Bye.


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

utterance: yes, I have an Intel Wealth Management Account.

utterance: Did you mean an Intellibank Wealth Management Account?

utterance: Yes, that's correct.

utterance: OK, and how can I help you?

utterance: And I was wondering if you could explain what risk is?

utterance: Certainly, so risk generally would be any type of liability that could potentially result in a lower cash flow, or higher insurance rates for your business.

utterance: OK, and is there somebody there that I could talk to about that?

utterance: There certainly is sir. I can get you an appointment with one of our risk specialists who could give you a more detailed description of what risk is, as well as help you identify potential risks at your individual business.

utterance: That would be great.

utterance: All right, well I can certainly help with that. Let me just pull that screen up here, and I'm just gonna need a little bit of personal information from you.

utterance: OK.

utterance: All right, can I have your name please?

utterance: Dan Thomas, T H O M A S.

utterance: All right Mr. Thomas, and can I have your date of birth?

utterance: May twelfth, nineteen sixty.

utterance: Thank you, and can I have your security pin number?

utterance: OK, hang on a second while I find it.

utterance: OK, no problem, just let me know when you're ready.

utterance: OK, I'm ready.

utterance: All right sir.

utterance: One zero six two.

utterance: That's one zero six two?

utterance: That's correct.

utterance: All right, perfect. I've verified that and then we're just going to schedule an appointment with a risk specialist, correct?

utterance: Yes.

utterance: All right, and when would you like to schedule that appointment for?

utterance: next Wednesday.

utterance: OK, and what time would you like that appointment?

utterance: Have you got anything in the mornings?

utterance: Let me double check.

utterance: Yes, I have got a nine thirty, a nine forty-five, and an eleven fifteen appointment?

utterance: nine thirty works for me.

utterance: OK, great, so nine thirty next Wednesday morning.

utterance: Yes.

utterance: All right, and would you like to have that meeting online or in person?

utterance: online please.

utterance: OK, let me get that set up, and can you verify the email address that is on file for me?

utterance: OK, I've got a new one and an old one. I don't know which one you got on file but I will give you both of them.

utterance: OK, whenever you're ready sir.

utterance: my old one is Thomas Customs at Gmail dot com.

utterance: And my new one is Thomas Cabinets at Gmail dot com.

utterance: OK, it looks like we have got the Thomas Customs at Gmail dot com on file. Would you like me to go ahead and update that in the system?

utterance: yes please.

utterance: OK, and your new one was Thomas Cabinets at Gmail dot com, is that correct?

utterance: That's correct.

utterance: All right, thank you very much. I've got that information updated. And so, you will receive an email, the day before your appointment, and it will have some general details about any specific documents that you might need to bring, as well as a link, and if you follow that link on the day of your appointment, it will take you to a secure browser where that meeting will take place.

utterance: All right, that sounds fantastic.

utterance: Yes, and then we generally advise that you have a webcam available on whichever device that you attend that meeting on. It is not required, however, it does generally make things easier.

utterance: OK. Any documents that I might need?

utterance: if there are any specific documents that the specialist would like to have, it will be listed in that email. but generally, your risk specialist will have access to all of your banking information for any accounts that are on file here with Intellibank.

utterance: All right, sounds fantastic. How's your day going so far?

utterance: My days been going pretty good so far sir. How's your day been?

utterance: Oh, not too bad, pretty good.

utterance: Well that's great. Is there anything else that I can help you with today?

utterance: I don't believe so.

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

utterance: All right, thank you.

utterance: Thank you, goodbye.


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

utterance: Hi Margaret I was wondering if you could tell me what a net income is?

utterance: I sure could help you with that. OK so basically a net income is the total amount of money your businesses earned in a period of time minus all of it's business expenses, taxes, and interests. It basically measures your company's profitability. You figure that by taking the revenue minus the costs of goods sold minus expenses and that equals your net income.

utterance: OK and can you tell me what mine is for my company?

utterance: I would be very happy to help you with that. Let me get a little information first. could you give me your name please?

utterance: yes it's Jerry Hoffman.

utterance: Could you spell your last name?

utterance: H O F F M A N.

utterance: OK and your date of birth Mr. Hoffman?

utterance: July twenty-first nineteen seventy-eight.

utterance: All right and your PIN number for security?

utterance: Nine three eight zero.

utterance: All right. Thank you so much. And what is the time frame that you wanna know for we can do like a quarter, semi-annually or annually.

utterance: can I do year to date?

utterance: You sure can. Let me get that number for you.

utterance: All right. How's your day going?

utterance: It's going good. It's going good. It's almost over for the day so gonna have a great weekend. How about you?

utterance: Oh pretty good yeah I'm really looking forward to my weekend as well.

utterance: That's awesome. OK Mr. Hoffman I have that number for you.

utterance: OK.

utterance: So your net income showing year to date is one hundred and thirty-seven thousand eight hundred and forty-nine and twelve cents.

utterance: OK well that sounds pretty good.

utterance: Yes that's that's a very good number. Is there anything else I can help you with today Mr. Hoffman?

utterance: yeah could you also tell me what the balance is on my Intel Total Checking Account is?

utterance: I can that is actually the Intellibank Total Checking Account.

utterance: yeah, that's what I meant Intellibank.

utterance: OK. Let me get that number for you. Let me refresh my screen. OK Mr. Hoffman I have that number for you.

utterance: OK.

utterance: It's going to be seven hundred and eighty-six thousand dollars. I'm sorry. Seven hundred and eight six thousand four hundred and twenty-eight dollars and forty-five cents.

utterance: OK and is there some other way I can check my balance on there without having to call you guys?

utterance: You sure can of course if you you know that our customer service is open Monday through Friday seven a.m. to seven p.m. and you can call at any time or you can visit our online. We have just updated recently to a lot more services online. Would you like me to set that account up for you today?

utterance: yeah I'd love to be able to do it online.

utterance: OK, yeah. It does make life a lot easier doesn't it?

utterance: Oh well yeah if I can just check it whenever I I needed to then I wouldn't have to call every day.

utterance: That's awesome. Let me get it set up for you. OK. It looks like I'm gonna set your account ID up as J H M A N. number and the number nineteen.

utterance: OK.

utterance: And then the number sign. So that's capital J H M A N one nine number.

utterance: OK.

utterance: OK? And I'm gonna set up a temporary password for you and it's kind of a tricky one because when you set it up you have to have a lot of different characters so I'm gonna set it up now but once you log on it'll prompt you to set up one that you choose.

utterance: OK let me let me up get a pen so I can write it down.

utterance: OK no problem. Let me know when you're ready.

utterance: OK I'm ready.

utterance: OK that's going to be equals the so the equal sign lower case X. A capital H. Eight eight nine and the money sign.

utterance: OK I've got that.

utterance: All right and if you have any questions or have any troubles setting it up please feel free to call us back like I said our customer service is open Monday through Friday seven a.m. to seven p.m. and we're we'll be happy to help you with that.

utterance: OK and so I just I guess I just go to the Intellibank website and log in with that information?

utterance: Yes sir. I apologize I forgot to tell you. Go to Intellibank dot com it's going to prompt you to look to pick a tab and you're gonna look for online banking when you go in there it'll give you the instructions on how to set it up.

utterance: OK well that sounds good.

utterance: All right. Was there anything else I could do for you today Mr. Hoffman?

utterance: Mm I don't think so.

utterance: All right well you have a fantastic day and enjoy your weekend.

utterance: All right you too.

utterance: Bye bye.

utterance: Bye.


utterance: Hi this is Beth Park at Intellibank. How can I help you today?

utterance: Hi this is Jose.

utterance: Hi Jose.

utterance: How are you?

utterance: I'm great. Thank you for asking. How are you today?

utterance: I'm doing great. I'm doing great. This is the last thing I need to do today and I'm ready for you. It's a long weekend.

utterance: Yeah same here.

utterance: All right. Well great. Well let's let's make it quick then OK? Can you this is Intellibank, right?

utterance: Yes, this is Intellibank.

utterance: Great. OK. So essentially I'm looking to schedule a loan payment.

utterance: OK.

utterance: I have a business account with y'all. I'd like to schedule a payment for the thirtieth of this month.

utterance: OK.

utterance: Then I'd also like to pay my credit card Can I do that with you as well?

utterance: Yeah I'd be more than happy to help you with both of those things today.

utterance: Great.

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

utterance: My name is Jose Balvin. B A L V I N. And yes my birthday is three three eighty-seven.

utterance: OK. That was three three eighty-seven?

utterance: Yes.

utterance: OK. Great. Thank you Jose. So I am going to go ahead and pull up your account. Can I start by getting the credit card number on file please?

utterance: Credit card number is forty-four thirteen seventy-six forty-four zero zero seven oh one one three two.

utterance: OK. And just to confirm that was four four one three seven six four four zero zero seven zero one one three two?

utterance: Yes.

utterance: OK. Great Jose. I am going to go ahead and pull up your account but before we can proceed any further I do need to ask you a few security questions for the integrity of your account.

utterance: Let's do it.

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

utterance: Yes. The four digit one right?

utterance: Yes.

utterance: OK. I have sixteen eighteen.

utterance: Sixteen eighteen. OK. Great. and you did setup a few security questions when you created your account. So I'm going to go ahead and ask you those now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: Her maiden name is Munoz. M N M U N O Z.

utterance: OK. Great. And what high school did you go to?

utterance: I went to Rodney Avenue High. Rodney Avenue High.

utterance: Rodney Avenue High OK. Great. Thank you for verifying that information for me Jose. I am able to pull up your account so give me just one moment please.

utterance: OK.

utterance: OK. So I do have your account in front of me. And you said you wanted to start by scheduling a loan payment?

utterance: Yes.

utterance: OK. Great. Can I go ahead and get the loan account number?

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

utterance: OK. That was one three two seven zero zero six nine?

utterance: Yes.

utterance: OK. Great. And can I get the bank account number that you want the payment to come out of?

utterance: Yes. It'll be my Chase checking account and it's four four three zero zero zero five two one.

utterance: OK. And just to clarify that was four four three zero zero zero five two.

utterance: Yes.

utterance: OK great. And can I also go ahead and get the routing number for that account?

utterance: Absolutely. It's seventeen fifty-four one one three nine eight zero.

utterance: OK. And that was one seven five four one one three nine eight zero?

utterance: Yes.

utterance: OK. Great. And what date did you want to have that payment come?

utterance: So that payment Let's do the fifteenth.

utterance: The fifteenth. OK. Great.

utterance: So let's just

utterance: Do it auto-pay. Like every fifteenth of the month.

utterance: OK. Yeah I can go ahead and enroll you in auto pay. OK. So you should be getting a receipt on that shortly. Did you want it to go to the email that you have on on file Jose Balvin fifty-three at Gmail dot com?

utterance: Yeah.

utterance: No. No that's actually my old I don't have access to that one do J Bozzyman.

utterance: OK. At?

utterance: Gmail dot com.

utterance: At Gmail dot com. OK. Great. And is there anything else that I can help you out with today?

utterance: Yeah.

utterance: Well. All right. So if I now now that like would I be able to pay a credit card too with you?

utterance: Yeah sure. I'd be happy to help you with that.

utterance: Since we're doing all this yeah let's just go ahead and pay the credit card.

utterance: OK. And.

utterance: Let's pay it off in full.

utterance: OK. Great. And the credit card. Did you want that to be four four one three seven six four four zero zero seven zero one one three two?

utterance: Yes.

utterance: That same one? OK. Great. And how much did you want to pay?

utterance: Just the full balance.

utterance: The full balance. So it looks like you have four hundred and fifty dollars. You want to do that?

utterance: Let's do that. Let's knock it out.

utterance: OK. Great. And did you want it to be the same bank account and that you paid your loan payment?

utterance: Yes.

utterance: OK. So that's the account ending in zero zero five two correct?

utterance: Correct.

utterance: OK. Great.

utterance: And could you send the confirmation to J Bozzyman at Gmail dot com as well?

utterance: Yes I can do that. And did you what date did you want this payment to happen?

utterance: I let's do it today. Let's just get it out of the way. Yeah.

utterance: happen today?

utterance: OK. So I did go ahead and schedule that one for today and you should be receiving that email shortly. Is there anything else I can help you out with?

utterance: That's it. Thank you so much.

utterance: You're welcome. Have a lovely day. Thank you for being a loyal customer.

utterance: All right you

utterance: You too. Bye bye.

utterance: Bye.


utterance: Hi. Thank you for calling Intellibank. This is Corinne speaking. How may I assist you today?

utterance: Hey Corinne. How are you doing today?

utterance: I'm doing quite well, thank you so much for asking. I hope you're having a great day yourself ma'am.

utterance: Yeah I am thank you. I'm calling from Nickerson Farms and what I need to do today is make an internal transfer if I could.

utterance: I'd be more than happy to assist you with that ma'am. I do need to go ahead and get some information so I can pull up your accounts, OK?

utterance: OK yeah, what info do you need?

utterance: Let's start with your full name as well as your birth date please.

utterance: Sure. This is Paula, P A U L A. Gentry, G E N T R Y. And my birth date is May the twenty-seventh nineteen seventy-two.

utterance: Thank you so much Ms. Gentry. I have your last name spelled G E N T R Y and I have your date of birth as May the twenty-seventh nineteen seventy-two. Was that correct?

utterance: Yes ma'am.

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

utterance: Sure. Our PIN number is nine sixty-three nineteen six ninety-nine.

utterance: Thank you. I have nine six three one nine six nine nine.

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

utterance: Thank you. All right. may I have the account number you would like the funds withdrawn from please?

utterance: Absolutely. That account number is seven eighty-four, seven seventy zero five fifty-six.

utterance: Thank you. I have seven eight four seven seven zero zero five five six. Was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you, and may I have the account number you would like your funds deposited into please?

utterance: Yeah. That one will be three sixty-six one oh nine ninety-seven ninety-three.

utterance: Thank you Ms. Gentry. I have three six six one zero nine nine seven nine three.

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

utterance: Thank you so much. And how much would you like to transfer today?

utterance: we need to transfer nine thousand two hundred sixty dollars and thirty-eight cents.

utterance: All right, so that's nine thousand two hundred sixty dollars and thirty-eight cents.

utterance: Yes ma'am that is correct. Oh and how long will it take before the funds actually show up into the account that we're depositing them into?

utterance: that will actually show up immediately just as soon as I get this processed.

utterance: OK great, thank you.

utterance: Yes ma'am and just one moment. OK Ms. Gentry, I do have that processed. I have the nine thousand two hundred sixty dollars and thirty-eight cents deposited into the account number ending in nine seven nine three and that was withdrawn from the account number ending in zero five five six.

utterance: Wonderful, thank you.

utterance: Yes ma'am. Was there anything else that I could assist you with today?

utterance: yeah actually sorry just to keep me from having to do the math on this, could I go ahead and verify the balance of the account number that we withdraw those funds from? The one ending in zero five fifty-six.

utterance: I'd be more than happy to check that for you Ms. Gentry, just one moment.

utterance: OK great, thank you Corinne.

utterance: Yes ma'am. Ms. Gentry, I'm showing that balance as sixteen thousand eight hundred thirty-seven dollars and forty-eight cents.

utterance: All right. So that's sixteen eight thirty-seven forty-eight?

utterance: Yes ma'am.

utterance: thank you so very much.

utterance: Yes ma'am not a problem. Would you like to check any other account balances?

utterance: no not the actual accounts but I tell you what, would you mind checking the available balance for our Intellibank business gold card?

utterance: I'd be more than happy to assist you with that today. May I have that card number please?

utterance: Yeah that is fifty-two sixty-six eighty sixteen seventy-nine fifty-one fifty-five ninety.

utterance: Thank you Ms. Gentry. I have five two six six eight zero one six seven nine five one five five nine zero?

utterance: Yes ma'am.

utterance: Thank you. Just one moment while I pull up your available balance. And I'm showing that available balance as six thousand two hundred and nine dollars and fifty-nine cents.

utterance: All right. Sixty-two oh nine fifty-nine?

utterance: Yes ma'am that is absolutely correct.

utterance: OK great, thank you so much for your help today Corinne.

utterance: Oh thank you Ms. Gentry. Was there anything else I could assist you with today?

utterance: No ma'am that'll be all, thank you.

utterance: And thank you for calling Intellibank and you have a wonderful day.


utterance: Thank you for calling Intellibank, business and commercial banking division. This is Sam. How may I help you?

utterance: Yeah, hey Sam. This is John Rivers over at Three Rivers Pepperoni Pizza Palace.

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

utterance: Well, things are going great especially since I got that new pizza oven. I know it was a little spendy but you can't put a price on perfection.

utterance: I'm glad to hear things are working out with it.

utterance: Yeah definitely. I kinda needed to check in on that loan.

utterance: OK yeah, I can definitely help you with that. Just give me a moment here to switch screens. OK, can I please get the first and last name on the account?

utterance: Yeah, that's John Rivers.

utterance: Date of birth?

utterance: January eighteenth of eighty-nine.

utterance: The PIN?

utterance: Two five eight oh.

utterance: And can I please get the account number for the loan?

utterance: Oh let me put you on hold real quick and pull that out.

utterance: OK, not a problem.

utterance: OK, it's nine nine two seven nine. Wait wait no. That was the previous one. You know I can't even read my own notes. does this sound right? Seventy-five zero zero one?

utterance: let me look this up here. Yep, I do show an account with seven five zero zero one.

utterance: All right, well I kinda lost track of the number of payments and stuff. How much is left and due on that?

utterance: Yep, I can definitely give you that information here. So it looks like, the loan your remaining balance is eight thousand two hundred twenty-seven dollars and eighteen cents. Looks like the term of your loan, it looks like you have thirty-six months left on it. however, I notice. I see here you have been paying quite a bit more. and it looks like your minimum balance due is only a hundred dollars and twelve cents. And that looks to be a payment date of the twelfth of every month.

utterance: OK, so yeah, that's all set up and automated, correct?

utterance: no, it is not.

utterance: Oh man, that's what I hired my uncle for. All right ow, can I get that just set up and taken care of or do I need to come into the branch? Would that be easier?

utterance: I can definitely help you over the phone with that. Yeah, that's not a problem.

utterance: Ow actually, you know what? I think I'll come into the bank cuz I just seen a crowd of people come in and that one over there looks like he can definitely eat. Oh yeah, I better get to baking some pies. what's what are your branch hours cuz I'd love to handle this over the phone but I gotta crowd coming in.

utterance: Yeah certainly so I show an address here on file for you of twenty-five oh eight North Conch Lane. Is that still the correct address?

utterance: Yeah, that's over here in North San Diego.

utterance: OK, so looks like the nearest branch location is three and a half miles away and that branch is open from seven a.m. to six p.m. Monday through Friday. Eight a.m. to noon on Saturday and closed on Sundays.

utterance: OK, that sounds great. I'll be in later on today, probably before closing cuz I need to make a deposit anyways.

utterance: OK yep, any of the gals will be more than capable of able to help you with any of your requests.

utterance: Sounds great, I'll be in later on.

utterance: OK, if you any other questions between now and then, don't hesitate to reach out.

utterance: All right, will do. Thank you.

utterance: Yep, you have a great day. Bye bye.


utterance: Hello and thank you for calling Intellibank. My name is Arlene.

utterance: How may I assist your call this evening?

utterance: yes, hello, I need to check my credit card balance please.

utterance: You'd like to check your credit card balance.

utterance: Oh no problem, I'd be glad to help you with that. May I ask whom I'm speaking to this evening?

utterance: my name is Willamena Kosmonat.

utterance: Willamena, that's a beautiful name and I'm will need a little help spelling it.

utterance: Put it in the system, will you mind helping me?

utterance: W I L L A M E N A.

utterance: OK and last name please.

utterance: Kosmonat K O S M O N A T.

utterance: Very good, thank you so much and for security purposes, may I verify your date of birth?

utterance: date of birth is nine twenty-seven nineteen fifty-five.

utterance: OK.

utterance: And may I also have the four digit PIN associated with your account for security purposes.

utterance: yes, four digit PIN is twenty-one fifty-six.

utterance: Two one five six.

utterance: Yes.

utterance: And also I need to know, is there a how much is the charge for a late fee on your credit card if you're late for the payment?

utterance: you know what, let me go into the system so I can tell you that.

utterance: and I'm so sorry ma'am, the security code that you're giving me is not going through.

utterance: Oh, huh you know what, hold hold on one second, I can't read the numbers on this card. I'm gonna have to go in the sunlight. Can you hold on for one moment please?

utterance: No problem and just so you know it it's a it's a PIN number that you created to.

utterance: Oh yes, that's

utterance: Great. OK.

utterance: OK hold but I still need to put you on hold.

utterance: Take your time.

utterance: Thank you.

utterance: Mhm.

utterance: OK, I found it, are you ready?

utterance: I am.

utterance: the PIN number is forty-two thirty-five.

utterance: All right, let me try that.

utterance: Four two three five. Yes, that pulled up the system for me.

utterance: OK, great.

utterance: OK, so and you said that you wanted to check the balance on a credit card?

utterance: yes.

utterance: OK, so I'm just pulling this up here.

utterance: I see that you have our you actually have two credit cards with us both.

utterance: Our business gold and our business silver card.

utterance: Yes and I need to find out what the interest rate on the real estate loan is.

utterance: All right, no problem I can do that for you. and since you have both a gold and silver card, did you need the balance on both?

utterance: no just the silver.

utterance: The silver card, all right one moment please while I'm pulling that up.

utterance: Yes.

utterance: OK.

utterance: Where am I calling by the way?

utterance: the call center that I'm in is located in New Mexico.

utterance: Oh, interesting.

utterance: Santa Fe, actually.

utterance: Oh.

utterance: Interesting.

utterance: Do you have a lot of turquoise jewelry?

utterance: You know, I used to in in my teenage years but now I'm more of a gold person

utterance: I see, aren't we all?

utterance: And how about you, where are you?

utterance: I am in Chicago.

utterance: Oh.

utterance: Love Chicago.

utterance: Chicago Chicago

utterance: Oh, I visited there many years ago and I've never forgot it. Best pizza in the world. And I'm sorry New York, but it is the best.

utterance: Mm, yes.

utterance: Mm.

utterance: All right, thank you for your patience, Willamena. While we were talking, I was pulling up your account.

utterance: And the balance right now on your silver card is two hundred ninety-seven dollars and forty-eight cents. I do see that a payment for two hundred excuse me two thousand dollars was just posted on the fourteenth of this month.

utterance: Right, that's correct.

utterance: OK and you were also asking about the charge for late fees?

utterance: Yes.

utterance: OK. This account is in good standings. There are no late fees.

utterance: However, if there was a late fee associated with the account it would be thirty-nine dollars.

utterance: OK.

utterance: Thank you.

utterance: And I I just see you know I see that all of your payments not really have been on time but have been early.

utterance: Thirty-nine dollars, that's very steep.

utterance: It is, it is, but fortunately you haven't had you haven't encountered that with us before.

utterance: No and then also I wanted to ask about the real estate loan. what the interest rate is on that is.

utterance: All right, no problem. Give me one moment to pull that up.

utterance: And just so you know that that can fluctuate based on the FCC regulations.

utterance: Mhm.

utterance: All right, thank you for holding.

utterance: I do see here that the real estate loan that you have with us has a current interest rate of twelve and a half percent.

utterance: Oh OK and if I wanna apply for that are is the paperwork online or can you mail me a application.

utterance: We can mail you an application however if you want to have someone over the phone help you or come into a branch, we can do that as well. You can also access it online.

utterance: Mhm.

utterance: would you like me to send you an application email?

utterance: no, that's okay. I'll just access it on online. Thank you.

utterance: All right, well thank you so much for calling Intellibank, we value your patronage here and I wanna wish you a very wonderful day.

utterance: Thank you.

utterance: Thank you so much.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Hello, Cassandra. I need I need the consumer price index for a few different item if you don't mind.

utterance: Absolutely, sir. I can go ahead and look up the Consumer Price Index for some items for you. I'll need to get the information from you first so that I can go ahead and look it up in our system, please. could you, first of all, tell me the consumer price category you're interested in?

utterance: Yes, I want food and you know what? Excuse me. can I just get it for all the items, please?

utterance: Yes, sir. I can certainly look up all items for you, and could you tell me this time period you're interested in?

utterance: the past year.

utterance: All right. Lemme. gimme just one moment while I go ahead and look that information up in our system.

utterance: All right, all right. you know what, Cassandra?

utterance: Yes, sir.

utterance: you know these. these I'm sure wish these gas prices will go down. You know, I'm at the gas station the other day, and you know how much it cost me to fill up almost filled in my gas tank?

utterance: Oh! No sir. It's pretty high right now so I can imagine it was a lot.

utterance: It cost me damn near sixty dollars just to fill up my gas my gas tank.

utterance: Oh! No sir.

utterance: Oh.

utterance: And so, how are the prices down there at your location?

utterance: Oh, they're pretty high, sir. Lucky for me, it's only about forty bucks to fill up mine but if it went up to sixty, I'll probably have to start walking again.

utterance: Oh, man. That's why I bought a bike.

utterance: Oh! I might have to take that take that up too, sir.

utterance: Yeah.

utterance: it

utterance: Actually would benefit me, I need a little bit more exercise, so.

utterance: I was thought to buy a scooter but I realize that it might take gas.

utterance: Oh! Yeah. Exactly exactly. We'd have to get one that plugs up and the the energy bill will go up, so.

utterance: Oh, yeah.

utterance: All right, sir. Let me go ahead and look up that price index for you. all items, you said?

utterance: yes, please.

utterance: All right, sir. Right now, all items has increased to six point two percent and it looks like in October, all for all urban consumers, it rose zero point nine percent for all the seasonally adjusted bases. so that six percent is like over the last twelve months, it's not seasonally adjusted.

utterance: Oh!

utterance: Yes, sir. So is there any other consumer price categories you're interested in as well, sir?

utterance: Yeah, how about all items minus food and energy?

utterance: OK, sir. Let me look that up for you right quick. Is that also over the last year?

utterance: yes.

utterance: Ok, sir. Looks like the all items, slash food and energy category has set itself at four point six percent. Now that index for all items is increased by zero point six percent in October so that four point six percent is over the past year.

utterance: OK. I understand. Well how about last quarter?

utterance: Yeah.

utterance: OK. So you want that for the last quarter?

utterance: Yes.

utterance: OK, sir. That looks like it was actually eight point four percent over the last quarter. So it's actually gone down a bit. it may rise again towards the beginning of the year cuz sometimes, when it's fluctuating, it depends on what you know, it it kind of depends on some of the holiday spending. I'd have to point out to you, so.

utterance: OK. it just about the same for this quarter?

utterance: Oh! Yes, sir. It looks like it's sorry, pull that up again, it conked out on me on my system.

utterance: Oh! Sorry about that.

utterance: Yeah, it looks like it went up this past quarter, around six percent.

utterance: Six percent?

utterance: Yes, sir.

utterance: OK. And and you haven't given me the energy?

utterance: no, sir. You want energy as well?

utterance: Yes, please.

utterance: OK. Is that also for this past year, sir?

utterance: this quarter, first.

utterance: OK. So you would like it for this quarter? It was at eleven point two percent for this past quarter.

utterance: Yes.

utterance: It was can you repeat that again?

utterance: Eleven point two percent for this past quarter.

utterance: Eleven point two, huh? OK. So the past year?

utterance: Mhm.

utterance: And for the past year, it was at thirty percent.

utterance: Thirty percent?

utterance: Yes, sir.

utterance: OK. All right. All right. Well, that's all I wanted on that one.

utterance: OK. Would you like another category, sir, we have one more.

utterance: it it yeah, just give it to me.

utterance: OK, so you would like just food?

utterance: Yeah yeah yeah yeah, it's the only one left now, you just yeah just seeing how we're acting

utterance: Yes, sir.

utterance: Oh! Yes.

utterance: So for the past year, it's been at five point three percent, and for the past quarter, it was at five point four.

utterance: Five point four.

utterance: Yes, sir.

utterance: All right.

utterance: Mm. So, we're gonna do a little bit of comparison for everything. OK. So, that was the prices for food at home, was the four point five percent. It was driven by a ten point five percent increase in prices for meats, poultry, fish and eggs, so.

utterance: Oh!

utterance: Yeah, the prices for food away from home at that same time actually increased to four point seven percent, so.

utterance: So.

utterance: So that increased?

utterance: Yes, sir.

utterance: OK.

utterance: Only slightly. You just you know, just point two percentage points. So, It hasn't been doing too bad although, I can tell you at the grocery store doesn't feel like it's just a little.

utterance: OK.

utterance: It's not that bad

utterance: OK.

utterance: Yeah, it it really doesn't.

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

utterance: I believe that that was it, Cassandra.

utterance: All

utterance: Right, sir, I'd like to also advise you that we actually keep a link on our web page at Intellibank dot com where you can access those consumer price indexes just right on that front page, sir. We're linked straight up to the government site, that way, you can actually pull that information up on your own at your own convenience.

utterance: All right, I'll keep that in mind.

utterance: All right, sir, but feel free to call us anytime It is my pleasure to actually work with you.

utterance: Well, thank you. say that.

utterance: All right, sir.

utterance: Thank you so much sir for giving us a call today. Again, my name was Cassandra and I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you, sir. Bye bye.

utterance: Bye bye.


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

utterance: yes I need to set up an automatic credit card payment.

utterance: OK, that's no problem. I can certainly help with that. Let me just get a little bit of information from you. Can I have your name please.

utterance: Dan Thomas. T H O M A S.

utterance: Thank you Mr. Thomas, and your date of birth?

utterance: May twelfth, nineteen sixty.

utterance: Great, and your security PIN number?

utterance: One zero six two.

utterance: All right, thank you for verifying that information for me Mr. Thomas.

utterance: And, you say you're needing to set up an automatic credit card payment today?

utterance: Yes.

utterance: All right. Can I have the account number, or the card number for the credit card that you're needing to pay?

utterance: OK. two six six nine, four zero seven seven. Three five six five, one zero nine three.

utterance: All right thank you, and let me just verify that I got that correct. That's two six six nine, four zero seven seven three five six five, one zero nine three. Is that the correct number?

utterance: the last four should be one nine zero three.

utterance: OK no problem. Let me read that again. That's two six six nine, four zero seven seven, three five six five, one nine zero three. Is that correct?

utterance: Yes that's that's right.

utterance: OK thank you. And when would you like the payments to be, set up to be made to the credit card?

utterance: when is the due date?

utterance: Looks like the due date for this account is the twenty sixth of every month.

utterance: OK, let's let's make the due date the twentieth. No. No no. I changed my mind. let's make it due the twenty-second.

utterance: OK.

utterance: OK sir. And just to clarify, did you want to move your due date to the twenty-second? Or have this payment made on the twenty-second?

utterance: I wanna make the payment on the twenty-second.

utterance: OK, no problem. Just wanted to clarify. And what amount, would you like this payment to be made for?

utterance: Four hundred dollars.

utterance: All right, and that's four hundred dollars and zero cents?

utterance: Yes.

utterance: OK, thank you. And then can I have the account number for the account that you will be making this payment from?

utterance: OK hang on a second while I get it.

utterance: Not a problem sir, just let me know when you're ready.

utterance: OK I found it.

utterance: OK sir whenever you're ready if you can just read that account number to me.

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

utterance: OK, that's seven three zero, six nine five, six eight two nine. Is that correct?

utterance: Yes.

utterance: All right, and the routing number for that account?

utterance: The routing number is one seven zero five five four nine two one.

utterance: Great, and I'll just read that back. Is that one seven zero, five five four nine two one?

utterance: Yes that's right.

utterance: All right sir, thank you very much. So I have got a four hundred dollar, payment, being made to your credit card on the twenty-second of each month. Is that correct?

utterance: yes, that's right.

utterance: All right, and then just so you are aware, that payment will begin on the twenty-second of this month, and will continue to recur on the twenty-second of every month here after, until you either let us know to change the amount, or stop the payment. Or until your credit card balance reaches zero.

utterance: OK, and if I wanted to pay extra. I guess I can right?

utterance: Yes sir, you can always call in or go through online banking to set up a one time payment. if you would like to pay extra, during a specific month, or if you'd like to change the balance of the payment, of the recurring payment. You can also do that as well.

utterance: OK, sounds great. How's your day going so far?

utterance: My day has been pretty good so far sir. I'm about to get off work.

utterance: Well that's great. Mine's my day been been going pretty good also.

utterance: Well that's great. Is there anything else that I can assist you with today Mr. Thomas?

utterance: I don't believe so.

utterance: All right. Well thank you for choosing Intellibank, and you have a fantastic afternoon.

utterance: All right thank you.

utterance: Thank you, goodbye.


utterance: Thank you for calling Intellibank business and commercial banking division. This is Jessica, how can I help you?

utterance: Yeah hey Jessica, this is John Rivers over at John Rivers Cue Balls.

utterance: Hi John. What can I do for you today?

utterance: Oh I was trying to use the mobile app to check my balances and possibly look into my accounts and stuff but I can't seem to get the mobile app to mobile.

utterance: Oh I'm, I'm sorry to hear that. Yeah, we did do a recent update and we have had reports of it not working for some people on their devices. I know that they're working hard to get it a new update rolled out within the next few days. I would be more than happy to assist you over the Assist you over the phone though.

utterance: Yeah that'd be great if you could do that and check into my accounts.

utterance: Yep, I can definitely help you with that. I just need to get a little bit of information here from you. can I please get the first and last name on the account?

utterance: yeah that's John Rivers. one eighteen of eighty-nine.

utterance: Date of birth?

utterance: one eighteen of eighty-nine.

utterance: Oh, I'm sorry. can I please get the pin and account number?

utterance: Yeah that's fifteen ninety-five. Zero, two, two, one, seven, three.

utterance: OK. And it looks like this is for the smart savings account. Is that correct?

utterance: Yeah if, you can look into how much is in there?

utterance: Yeah I'd be more than happy to do that for you. it's showing an account balance of fifteen thousand three hundred twenty-two dollars and twelve cents.

utterance: Yeah that sounds correct.

utterance: OK, was there anything else I could assist you with today?

utterance: yeah.

utterance: Actually I have some vendors upcoming vendor bills. I was wondering if I transfer that whole amount to my preferred checking will there be any penalties or fees for that?

utterance: yes. So because you just have the smart savings account we do require a minimum balance of five thousand dollars in there at all times. And if there is a balance of less than, than that minimum requirement there will be a a fee charged until the requirement is met.

utterance: Oh. So what are my options if I transfer the whole amount.

utterance: Well we do have a couple options. we can simply just close your account if you don't think you'll be able to meet that minimum balance any time soon.

utterance: Yeah.

utterance: Let's go with that option actually, that that would be fine.

utterance: OK, so you wanna close your smart savings account then?

utterance: yes.

utterance: OK. And your looking to just transfer that into your checking?

utterance: Yes.

utterance: OK. I have gone ahead and made the transfer and closed the savings account, this is an instant transaction as well as instant account closure.

utterance: Is there gonna be any wait

utterance: any wait times on the closing?

utterance: no this is instant.

utterance: Oh, OK.

utterance: Everything is instant so the transfer is instant. Your checking will reflect this new transaction and you savings account is now closed immediately.

utterance: All right yeah. That sounds great, thank you.

utterance: OK. Was there anything else I could help you with today?

utterance: No, you've been great. Thank you.

utterance: OK, well then you have a great rest of your day John. Bye bye.