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

utterance: Hello Robin. Hi. How are you?

utterance: I am excellent. How are you doing today?

utterance: Mm pretty good. Pretty good yeah.

utterance: All right.

utterance: Mhm.

utterance: how can I help you today?

utterance: well my business is doing pretty well and

utterance: Oh congratulations.

utterance: Thank you. I know. It's a blessing. I just I could use a bit of extra cashflow per se.

utterance: OK.

utterance: Yeah.

utterance: have you considered opening up a line of credit?

utterance: mm no but I would like to.

utterance: All right. I see you're a customer in good standing. So this should not be a problem to open up a line of credit today. I'm just going to need to get some information from you if that's OK.

utterance: I suppose it is.

utterance: All right. Well I'm gonna need your first and last name.

utterance: Mhm.

utterance: As it appears on your account.

utterance: OK and my first name is Cher and the last name Fache, F A C H E.

utterance: I appreciate you spelling that out for me and I'm gonna need to get your date of birth.

utterance: Mhm. It's the second.

utterance: Sure whenever you're ready.

utterance: Oh the second of November was what I was gonna say.

utterance: Oh sorry about that.

utterance: That's OK. Thanks for your patience though. Second of November, eighty-six.

utterance: All right and I'm gonna need your Social Security Number and your driver's license number.

utterance: Six six one three two one four three two two.

utterance: All right.

utterance: D nine eight seven seven six four.

utterance: And what state is that?

utterance: Delaware.

utterance: All right and I need the email address that we have on file for you.

utterance: Email address?

utterance: Yes please.

utterance: It's my business. It's gonna be my business address. Business email address. Fourchette La Ray. Fourchette La Ray at Gmail dot com. Thank you.

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

utterance: Yes. Yes I certainly am.

utterance: And what is the business' Tax ID Number?

utterance: That is nine eight nine eight four three two one.

utterance: And what is your business's gross income?

utterance: Six six million in a year.

utterance: And can you tell me what the purpose is for this line of credit?

utterance: I'd just like to pay my employees a little bit through with this credit and obtain a little bit of materials that I need for building.

utterance: OK. And I'm gonna need your business' address.

utterance: My business' address? Certainly. Ten Star Lane. And that's in McGillicuddy, Delaware.

utterance: All right. We just need a moment for this information to load.

utterance: Mhm.

utterance: And then we'll ask you security questions and we'll be on our way.

utterance: OK. Sounds perfect.

utterance: Computer's running a little slow today. Sorry about this. This'll just take couple more moments.

utterance: Who's your.

utterance: Provider?

utterance: You know I I'm not sure. That is all done through the company here.

utterance: Mhm.

utterance: I just show up to work.

utterance: So yeah. Makes sense.

utterance: Yep.

utterance: That makes.

utterance: I don't have all the pressures of a small business owner like you do.

utterance: Yeah. I've got a lot of pressure but I I do have ways of free alleviating those pressures for myself.

utterance: OK. Great, we've gone through to the next screen. So just need to ask you your security questions. What was your first pet's name?

utterance: Mhm.

utterance: Mhm.

utterance: Bananas.

utterance: And what was the name of the street where you grew up?

utterance: Cindy. Cindy Way.

utterance: All right and your mother's maiden name?

utterance: Hey. Cindy Sin. Cindy Way, Cindy Sin.

utterance: All right. Let me just get that in there and it looks like you are all set.

utterance: Mhm.

utterance: Your line of credit application is in and we'll be able to get back to you in two to three business days.

utterance: Uh-huh.

utterance: OK.

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

utterance: Mhm.

utterance: what would that be?

utterance: What would that be?

utterance: I don't know. You're gonna have to tell me.

utterance: We opened up your line of credit.

utterance: Could I open another line of credit?

utterance: we can do a credit card if you'd like.

utterance: I would.

utterance: Then what I can do is I can double up this application.

utterance: Mhm.

utterance: And send you a business credit card as well.

utterance: OK great.

utterance: Great and then we get that the results of that application in the mail in two to three business days as well.

utterance: OK. Thank you.

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

utterance: No. Bye.

utterance: Bye.


speaker_role: Agent

utterance: Thank you for calling Intellibank. This is Michael. How can I be of service to you this afternoon?

speaker_role: Customer

utterance: Hey Michael. dealing with a little bit of a problem here.

utterance: Well we are here to help.

utterance: Excellent, thank you, thank you. we had a cheque sent out, from our Complete Service checking account and it looks like we kind of sent that to the wrong address.

utterance: OK. I believe you're you're actually talking about either the Business Total checking account or the Business Preferred checking account. but either way that is something that I can help you with.

utterance: OK.

utterance: just as long as they have not not cashed the cheque yet.

utterance: Let me pull up your account here. I'm gonna need your first and last name, as it appears on your account, and your date of birth.

utterance: OK first last Joshua Price date of birth November fifteenth nineteen eighty.

utterance: All right Mr. Price.

utterance: And can I get your account number? And your pin?

utterance: Yep. one second. The account is two one nine six four four one seven eight five.

utterance: And your four digit PIN?

utterance: Oh sorry that's that's the one seven eight five number.

utterance: Oh sorry OK let me separate these. Our account numbers are between six and ten so I thought you gave me a ten-digit account number sorry about that.

utterance: yeah of course no problem.

utterance: OK, that's all set. And yeah, it shows me here that you do have the Intellibank Business Preferred checking account. so as long as your cheque has not been cashed, we'll be able to take care of that with no fee today. can you please tell me the cheque number and the total dollar amount that the cheque was written for?

utterance: Yep. the cheque is number fifty-one and the total amount five hundred and twenty-two dollars. and what recourse do we have if it was cashed? As coming directly out of my Complete Coverage checking account.

utterance: Unfortunately if it has been cashed then that money is out of your account. whoever cashed the cheque has it and at that point this is gonna be a dispute between yourself and the person who cashed the cheque.

utterance: Mm.

utterance: it is unfortunately out of our hands once it is cashed. but good news, it is not appear that the that the cheque has been cashed. So all you're gonna need to do is answer a couple of security questions, and I'm gonna be able to cancel that check for you. And then it's gonna be up to you to re-issue the check for the proper amount. Does does that sound good?

utterance: yeah yeah, that sounds good.

utterance: Great. All right. So to start, I'm gonna need your mother's maiden name.

utterance: OK. Joey.

utterance: And I'm gonna need the name of the street that you grew up on.

utterance: Top Round.

utterance: And I'm going to need the name of your first pet.

utterance: James.

utterance: it is saying that this is wrong. Could you have given a different name for your first pet?

utterance: Hmm, let me see. It's hold onto my phone. I gotta pull things back a bit.

utterance: Oh no problem. Please take your time.

utterance: Oh, sorry hold on. Bad signal. This is taking forever to load.

utterance: It is.

utterance: Totally all right. and I have your callback number in case I lose you.

utterance: OK. Look, try Monroe.

utterance: That is correct. All right, let's see here.

utterance: OK. I have canceled that check, they will not be able to cash it. Feel free to send out a corrected version of the check at any time.

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

utterance: no, that was all I needed.

utterance: Great. Well I'm glad I could help you with that. Thank you for calling Intellibank, and have a lovely rest of your day.

utterance: Bye.


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

utterance: Hi, Donald. just. Just to have to close that account, sorry to say.

utterance: Oh, well We're sorry to see you go. But we completely understand if you need to close your account. And is that a Commercial Checking Account or a Smart Savings Account?

utterance: Uh, it's the smart savings account.

utterance: All right. and I can definitely do this, I'm just gonna need to get some pieces of information starting with, what is your full name as it appears on your Intellibank account?

utterance: Vincent Andrews.

utterance: Thank you very much, Mr. Andrews. And what is the six digit account number and four digit pin of your smart savings account?

utterance: the six digit account is, three two five four four nine. And the pin is, nine eight two three.

utterance: All right. OK, I have that account pulled up and you do have a balance in this account of one thousand two hundred seventy-eight dollars and fifty-six cents. Will you be transferring that to an account at a new bank?

utterance: no, actually. I'd just be interested in having that just a a either cash, or check, whatever. Whatever's best for you guys or what for it to be done.

utterance: OK. Well, we can mail you a check please be advised, that is going to take seven to ten business days. Is that all right?

utterance: Yeah that that should be fine, that should be fine.

utterance: All right. A couple of pieces of information before we close this account. first off, I just need to ask you for our records, why are you closing the account today?

utterance: there's only about, I guess you said, roughly a little over a thousand dollars in the account. so, that could just be better used elsewhere there hasn't been much savings done so I can just take that thousand out and put it to active use. maybe some investments. Maybe just booking a trip before getting back into into the workplace. So, yeah I just think it could be better used than just, you know, sitting there slowly growing.

utterance: Well, we're sorry to see you go but we completely understand. before I can cut this check I'm gonna need a couple of pieces of personal information. Some security questions, if you don't mind. first off, what is your date of birth?

utterance: October twenty third, nineteen eighty-five.

utterance: All righty. And what is the last four of your social?

utterance: Three four seven nine.

utterance: And then I just need to know, what the name of your first pet was.

utterance: Chompers. C H O M. P E R S. Oh! I'm. Wait I'm sorry, I'm sorry, I'm sorry. That's. That. That is. That is technically my first pet but I don't think that's what I put down with you guys. It's actually, Cujo. C U J O. That should be it.

utterance: All right, Cujo was correct.

utterance: excellent.

utterance: now, I am going to need the full address of where we'll be sending this check.

utterance: Full address. one four three two Mockingbird Lane Phoenix, Arizona. One five seven eight three.

utterance: All right.

utterance: Oh, I'm sorry, again. It's one of those days. You have those kind kinds of days where you just kinda forget a few few small details?

utterance: Absolutely. It is no problem at all. Would you like to change that address?

utterance: Oh.

utterance: Yeah, just the ZIP. that's my old ZIP code when we were out there. the current one is one four two eight five.

utterance: And that was, one four eight two five?

utterance: Four eight two five.

utterance: Four eight two five. All right. Well, your account with Intellibank, your Smart Savings account is now closed. We have issued you a check, which will be mailed out tomorrow. And as I said, you expect that in seven to ten business days. is there anything else I can help you with today?

utterance: no, you've you've been great.

utterance: Well, thank you very much for banking with Intellibank and you have a nice rest of your day.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank, this is Francis. How may I help you on this fine fine evening?

utterance: Hi good evening Francis, I need to get a replacement credit card my account already have.

utterance: All right and if you don't mind may I ask what happened to your card?

utterance: I believe I accidently threw it out with the trash.

utterance: Oh I am very sorry to hear that.

utterance: Mhm.

utterance: so I'm going to suggest even though it is probably gone in the trash. I am gonna suggest that we cancel that card.

utterance: OK.

utterance: Just in case someone finds it in the trash, digs it out and tries to use it.

utterance: Good idea.

utterance: So, let's go ahead and start by pulling up your account. Let's get your full first and last name as it appears on the account.

utterance: Jared Mendocino.

utterance: All right Mr. Mendocino and what is your date of birth?

utterance: May seventeenth nineteen ninety-nine.

utterance: And can I get your four digit PIN?

utterance: Four digit PIN, one zero zero zero.

utterance: And your six digit account number.

utterance: Six zero five four nine two.

utterance: Excellent. Just need to take a moment here while we wait for your account to pull up.

utterance: Oh yeah.

utterance: This will just be another second, sorry about this.

utterance: That's OK.

utterance: You get to the end of the day and the system start running slow.

utterance: Kinda like my computer at home eh? My Wi-Fi.

utterance: sorry to hear about that.

utterance: Yeah, well.

utterance: Everybody needs a good Wi-Fi.

utterance: Yeah I'm in college so, it's just the dorm Wi-Fi. You'd think they have good ones for the school, but they don't really.

utterance: Mm I'm sorry about that.

utterance: That's OK, maybe I just need to go to a better school. .

utterance: I know what you saying.

utterance: Yeah. I won't name the school but you probably have it on the file. That's where I signed up for the credit card actually at those tents they have on the courtyard.

utterance: you do not have that on file.

utterance: well, some things stay in university.

utterance: all right, so I have your account pulled up.

utterance: Mhm.

utterance: there have not been any charges on your card today, thankfully. No road garbageman have dug it out and gone on a shopping spree, thank goodness. so just stop this card and send you out a new one. I'm gonna need your sixteen digit card number.

utterance: Sixteen digit card number, it's six three nine nine nine three five six four two one zero zero eight nine seven.

utterance: All right. And what is the three digit security code on the back of your card?

utterance: Four two two.

utterance: Great. All right, just pulling this up here. OK. So the card has been canceled.

utterance: Cool.

utterance: And and we're to send out your new card. I need you to verify the shipping address that we're gonna be sending that out to.

utterance: Yeah, it's two fifteen Mission Street, Daily City California, nine zero six four two.

utterance: All right. And last thing here to just make sure this is you and all on the up and up before we send this out. I'm gonna need you to confirm a couple of your security questions.

utterance: I will.

utterance: All right what was your first pet's name?

utterance: Streaker.

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

utterance: Blarney Boulevard.

utterance: And what was your mother's maiden name?

utterance: O'Laughlin.

utterance: All right, that all checks out.

utterance: Cool cool cool.

utterance: OK. Your new card is on its way, and it'll be to you in two to three business days. Is there anything else I can help you with?

utterance: Nah that's it, thanks man.

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

utterance: peace.

utterance: Bye.


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

utterance: Yeah, so I need to find out what my loan payment is for the month?

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so your wanting to find out what your loan payment is due this month, is that correct?

utterance: Yes, that's right.

utterance: OK. What is your account number?

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

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

utterance: It's Johnson Controls, and that's with an S.

utterance: All right Jill, and can I also get your date of birth and your social security number?

utterance: Yeah, so my date of birth is March second, then that's nineteen eighty. And then my social is six three two nine three two nine three seven.

utterance: OK. And the account also has a four digit PIN number on it for security purposes, could you share that PIN number with me as well?

utterance: Yeah so my PIN is six four seven eight, but my old pin, that's seven eight three nine. And that was the PIN I had previously, I don't know if you still need that.

utterance: No, I I don't need your old PIN number, just your current PIN number. And I have confirmed that that is the accurate PIN. Jill, it looks like on your loan, the balance still owed is nine thousand nine hundred dollars and thirty cents. Also looks like your next payment due is on October thirtieth and that's for four hundred and two dollars and twelve cents.

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

utterance: OK. And did you have any other accounts you'd like me to check for you? Or would you like me to make a payment for you?

utterance: Can you make a payment for me? Does it cost me anything if I do it over the phone?

utterance: Yeah, I can make that payment for you over the phone and there is no charge for taking that payment from you. Did you want me to draft this from the payment from your Intelli Preferred Business Checking Account that you have here with us?

utterance: if we can do that, yeah, that'd be great.

utterance: OK. Let me get the payment made for you. And that's gonna be for four hundred and two dollars and twelve cents. All right. Let me get. I got that payment made for you, would you like me to email you a receipt?

utterance: Yes, if you could do that, that'd be great.

utterance: OK. Can I confirm your email address?

utterance: Yeah, that's J Baker at Johnson Controls dot com. That's J as in Jill Baker at Johnson Controls dot com.

utterance: OK. I'm getting this receipt sent over for you now, one second OK?

utterance: OK, thank you. I appreciate all of your help. is it storming there?

utterance: it's been raining but I am actually in our customer service center and I can't see outside right now so I can't see if it's storming. Is it is it storming where you're at?

utterance: Oh my goodness, it's been storming here all day! I've heard that there could be some flooding in some places too like. I mean it's steadfastly been raining since like seven a.m..

utterance: Oh my goodness. So I know earlier today when I was heading in and it was just raining, there was a lot of high spots on the road. so I can imagine if it's been storming all day, how much worse it's gotten.

utterance: Yeah, so I live down by the river front and the water gets so high here sometimes I I'll worry that it's gonna flood my condo but it never does. But it always looks like it's going to. Like right now it looks like it's even to the bank.

utterance: Yeah. I mean Jill, you better make sure you stay safe and just keep an eye on those water levels. I think it's been quite a while since the rivers flooded but if it's that high up and it's at the bank, you definitely wanna keep and eye on it and be careful.

utterance: Oh, I will. I I will. I appreciate I appreciate your concern.

utterance: OK Jill, I do wanna let you know I I do wanna check real quick and see if you do have access to online banking. Do you, by any chance, have access to online banking?

utterance: yes, I have an online banking account.

utterance: OK. Jill, well I do wanna let you know that you can check your loan balances due and amount of payments by going to your online banking account and choosing the loan tab. You could also make any kind of payments through that account as well. So, similar to me taking that over the phone for you today, you have that option to make that loan payment by choosing the loan tab. once you logged into your account there will be a couple tabs, one will say loan, checking, savings, basically whatever accounts you have will be tabbed out at the top of that. If you choose the loan tab, then you can make your payment through there as well. and again, your. It'll They can take that directly out of your Intellibank Checking Account.

utterance: OK, I had no idea that you guys offered that. That's really great news.

utterance: OK, was there anything else that I could do for you today?

utterance: Well mainly for this one I just want to make sure I got that receipt. is there any way that you can just confirm that you actually sent me the receipt?

utterance: Yeah. So I did send that. Let me me see if I can see if it's gotten. sometimes we'll get emails back that that give confirmation of whenever it's been sent. And then it'll show delivered or whether it's been opened. But let me check and see. Is there any way that you have access to your email as well and you can check on your end to see if you received it?

utterance: Yeah, let me see if I can pull it up on my phone, Gimme just a second please, I'm sorry.

utterance: No problem at all, Jill, take your time.

utterance: OK. So, OK, so yes it does look like I received the email or the receipt. OK, so it says that there's. It was for four hundred and two dollars and twelve cents then, is that correct?

utterance: Yeah, that's right. So your so your your minimum payment due for that was four hundred and two dollars and twelve cents. Did you say you saw it as four hundred and twelve dollars?

utterance: No, I'm sorry, I said that backwards. It's four hundred and two dollars and twelve cents. That's what that's what the receipt's for. OK then, that's great. I appreciate you. I'm sorry I bothered you.

utterance: No, it's no problem at all. If there's nothing else I can do to help you today Jill, I just wanna thank you for using Intellibank and and again, have a great day and stay safe out there in the rain, OK?


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

utterance: Yeah so I'm thinking about buying some Whitecell stock but I'm not sure if it's worth it?

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

utterance: It's Jill Baker.

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

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

utterance: OK Jill so you're thinking about buying some stock but you aren't sure if it's the right investment. Is that correct?

utterance: Yes that's basically what I'm trying to ask.

utterance: OK so you wanted me to check what the current value of that stock is for you so we can help you make that decision?

utterance: Yeah if you could that that would be awesome.

utterance: OK so I just need to get some information from here you real quick Jill. Jill what is your account number with Intellibank?

utterance: So it's three four six zero two nine nine eight.

utterance: OK Jill what is the name of your business?

utterance: It's Johnson Controls.

utterance: And Jill what is your date of birth please?

utterance: So that's March second of nineteen eighty.

utterance: And Jill it looks like your account has a four digit PIN number on it. For security purposes can you also share that PIN number with me?

utterance: Yeah so it's six four seven eight.

utterance: All right and what city and state are you in Jill?

utterance: I'm in Kansas City Missouri.

utterance: OK and your street address please?

utterance: So it's two one three Longfellow Road and it's Kansas City Missouri and I'm six seven three eight two zero.

utterance: All right Jill and can I also get an email address for ya?

utterance: Yeah so it's J Baker at Johnson Controls dot com. So it's J as in Jill, Baker at Johnson Controls dot com.

utterance: All right Jill so you're wanting to purchase stock for Whitetail is that correct?

utterance: Well I'm wanting to check on the stock for Whitetail yes.

utterance: OK so what is the stock symbol for Whitetail?

utterance: So it looks like it's FFIV and also can you tell me is there a cap on how many shams you can buy for this one?

utterance: OK I'm sorry Jill did you did you say shams?

utterance: Yeah like how many shams can you buy for it?

utterance: I'm sorry were you possibly meaning shares for that?

utterance: Oh God yes that's what I meant I'm so sorry. I completely slipped my mind. Yeah I meant shares. I don't know why I said shams. I'm I'm losing it. But but yes that's what I meant is there a cap on how many shams I said it again! I'm so sorry how many shares you can buy?

utterance: OK so it looks like right now and that's not problem don't worry about it. So it looks like right now the market value for one share of Whitetail is about sixty-four dollars and ninety cents.

utterance: OK can you tell me the quarterly earnings for that?

utterance: Yeah so it looks like it has a growth and revenue profit cash generation and dividends for the nine winks and it currently has a high return of about forty percent. Jill were you were you interested in buying any of these shares today?

utterance: I don't think so not right now. I just I kind of wanted to know what the value was of it so. I when I am ready to pull the trigger on it I'll I'll be able to do that. But I'm not I don't think I'm there yet.

utterance: OK I understand. if anytime you change your mind you can give us a call back here at Intellibank and we can assist you with that buy. was there any other questions I could ask for you?

utterance: No I mean I think I will buy some eventually but I'm heading out of town tomorrow and I'll be gone for a few weeks so I may need to just to keep an eye on it and see what it was doing while I was gone. To see if I'm when I get back it might be something I want to want to make a move on it and purchase.

utterance: I can totally understand that. And and I I also hope you enjoy your trip.

utterance: Well I'm actually heading out of town for a funeral so it's not really a trip per se but. But I appreciate it.

utterance: Oh my goodness I'm I'm so very sorry to hear that Jill and I'm so very sorry for your loss.

utterance: It's OK it was actually an aunt that I had only met once so I didn't really know her but I didn't. She didn't have any children so they've tasked us with closing up her estate making funeral arrangements and such so it's a little strange because I didn't know her but but you know it's it's the only family that she had so.

utterance: Well I I mean I I can understand how hard that can be but but despite all that I just want you to know that again that my deepest sympathies are with you.

utterance: I I truly appreciate it it's very kind of you. OK so do you know like how long it would take to get everything you know with everything getting sorted there I'm not I'm not really sure how long it would take. So if there are any business activities here while I'm there and I don't know if I if I have the energy to be babysitting a stock right at the moment if that makes sense. So it might be something that I look at when I get back.

utterance: OK I totally understand that Jill and if when you get back you decide you wanna look more into the stock or any stock for that matter you can give us a call back here and we can kind of walk you through here at Intellibank or connect you with one of our financial advisors. our financial advisors are really good about going through all of these stock options with you and we also have some investment specialists that are really good about it as well. So we could we can get you scheduled with one of them when you come back if you feel up to it and you decided this is something you kind of wanna you kind of wanna move on. Was there anything else that I could help you with today?

utterance: So actually I'm going to be I'm going to be out of town so I know it's not related to this but would you mind possibly putting my account into the travel status so that they don't flag me?

utterance: Yeah I can do that. so you just want it flagged for the time that you'll be traveling. When will you be leaving?

utterance: I'll actually be leaving tomorrow.

utterance: OK so and you know about how long you'll be gone?

utterance: so I'll be gone for at least ten days. So I may update that for a longer time period but I find it for at least ten days at this point.

utterance: All right so let me put your account on travel status here so that way they won't flag you for fraud while you're on your on your trip so let me get that put in here. And do you know what state you're traveling to?

utterance: Yeah so I'll be in Ohio.

utterance: OK so I'm gonna put you on ten days in Ohio if for some reason you stay longer or you need to make some kind of changes just give us a call back and we can change that for you. But I have that set up on your account as well Jill was there anything else I could do to help you today?

utterance: I don't think so I appreciate it though.

utterance: All right Jill well you have a safe trip and thank you for choosing Intellibank.


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

utterance: yes, I need to upgrade some of my equipment for my cabinet-making shop and I need to know if you offer any assistance in that?

utterance: Of course. We do offer a variety of loans if that would be something that would be able to help you.

utterance: OK. And what type of loans do you offer?

utterance: for that situation we offer term loans, secured loans and SBA seven A loans.

utterance: OK. And how about a term loan?

utterance: OK. And how can I assist you with a term loan today?

utterance: Can you tell me some more info about it?

utterance: Yes. So our term loans are unsecured so you wouldn't need to put anything down for collateral. and they are generally between six and thirty-six month terms and they have a typical interest rate between four-and-a-half and nine-and-a-half percent.

utterance: OK and can I apply for that now?

utterance: Yes, you can apply for that.

utterance: How's your day going so far?

utterance: My day's going quite well.

utterance: Mine's going pretty good, also.

utterance: Well, that's good to hear.

utterance: So is that term loan something that you would like to go ahead and apply for?

utterance: What does the application process look like?

utterance: Yes, I can give you a quick rundown of the process. So the first step would be to collect some information about you and the your business.

utterance: OK.

utterance: and then we would go ahead and submit that application to get the process started and then you would receive a letter outlining the business documentation that we would need in order to further process your loan and with instructions on how to submit that documentation. And then once that documentation would be submitted then our loan officers would be able to make a decision on your loan and if the terms are agreeable to you then upon signing that, your loan would be in effect and with a term loan you would then receive the total sum deposited into your account and then you would have the term length to repay that loan plus any interest.

utterance: OK, that sounds good. And what documentation would I need?

utterance: Yes, so for that you would need to send in a copy of your business license, two years of your personal tax returns, two years of your business' tax returns and two years of your business' year-end financial statements.

utterance: OK and how would I find all this information? Do you know?

utterance: Yes, generally your personal tax returns, depending on how you file, whether you go through a service or you file them yourself, would either be on file in your personal records or on file with your tax service or personal accountant. Your business tax returns and your year-end financial statements would likely be with your business' accountant or whoever handles the financial aspects of your business or if you do them yourself, if you use any kind of financial software such as QuickBooks then it's just a simple report that you can run from inside the software and then download or print it.

utterance: OK, let me give that some thought and I will get back with you. Can you tell me what types of Intel bank credit cards that you offer?

utterance: Intellibank credit cards, sir?

utterance: Yes, that's correct.

utterance: All right, yes. We offer three different types of business cards. We have our Intellibank Business Platinum card, which has a two percent cash back on all purchases and a one hundred dollar annual fee. We have our Intellibank Business Gold card which offers two percent cash back on all grocery and gasoline purchases and it has a zero dollar yearly fee. And then we have our Intellibank Business Silver card which does not offer any cashback rewards but also does not have a yearly fee.

utterance: OK. I appreciate it.

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

utterance: I don't believe so.

utterance: All right. Well, you have a great afternoon.

utterance: All right, thank you.

utterance: Thank you. Goodbye.


utterance: Good afternoon thank you so much for your call for your call today to Intellibank. My name is Midge and I am here to assist you.

utterance: Hey how's it going sir? I've been with you guys for a little while. I best been looking around I think I found a better deal. My cousin was telling me about this one this one bank I think I'm gonna go with instead. So, there's a couple of things I'd like to do. First I'd just like to check the available balance I have. And then the processes I have in terms of closing out.

utterance: All right. let me pull up your information so I can see the type of account you have, and then we can go ahead and proceed.

utterance: Yeah.

utterance: Yeah.

utterance: All right may I have your first and last name?

utterance: Sure thing it's Anthony A N T H O N I Adams. A D A M S.

utterance: A D A M S?

utterance: Adams, yeah.

utterance: OK and then Anthoni with an I.

utterance: A A N T H O N Y.

utterance: Oh Y OK that's what I thought.

utterance: Yes.

utterance: OK but then I thought I heard you say I. OK. All right very good. OK Anthony and for security purposes what is the four digit PIN number you used to create your account?

utterance: No.

utterance: Sure thing my four digit PIN is eight nine three two and also my phone number in case you need that as well is nine four zero three two three eight four seven five.

utterance: OK thank you. I didn't need the number but I appreciate it. I'll just use that four verification. Normally I ask for date of birth but I'll use the phone number.

utterance: Oh.

utterance: OK. Great.

utterance: Oh.

utterance: OK perfect. Perfect, so I do see that you have our Intellibank Business Silver credit card. so you want to you wanna check the available balance And .

utterance: Yeah and.

utterance: Then just my business accounts

utterance: OK.

utterance: OK.

utterance: you you have that card with us and you also have a checking account with us this business total checking. Which was the one that you were looking to close?

utterance: Sorry, sorry, sorry. I was looking to close my personal account and I wanna leave my business alone. .

utterance: OK. Well

utterance: They're actually all business accounts. technically because we don't. We're technically .

utterance: Oh sorry.

utterance: So that you might use it personally so not to interfere with how you do things, but are we looking to close a credit card or a checking account?

utterance: My bad.

utterance: Looking to close a checking account.

utterance: OK.

utterance: Great, and then as far as checking the available balance, I can do that for you on your credit card as well. OK very good.

utterance: Yeah.

utterance: Can you please just verify your credit card number?

utterance: No problem it's five two three eight four seven seven three eight five four three nine three.

utterance: OK great. let's see. OK so, right now you have a total balance of six hundred dollars on there. The available credit is fifteen thousand, so you've got quite a bit still left over there.

utterance: Mhm.

utterance: and did you need to know anything about when the next payment is due?

utterance: Nah ha I might just pay it off and close it out. We might do that.

utterance: OK.

utterance: All right and regarding your checking account that you'd like to close let me just pull up some basic information for you.

utterance: Yeah if you could.

utterance: May I just ask is the reason for the closure?

utterance: I just know the interest rates are a little high for my taste. I'm just thinking maybe it's time for me to try something different. Might be a little greener wash so

utterance: OK well the interest rate on your checking account is something that you're earning and it is, it is set by the FCC unfortunately that is out of our control so I do apologize for that.

utterance: Yeah.

utterance: all right. So let me just again pull up your information. again I just need to verify your four digit PIN.

utterance: It just gets me back into the check.

utterance: Yeah I know, I understand.

utterance: It's eight nine three two.

utterance: Perfect OK. And I see your date of birth here OK and this is for account number six seven nine two for eight?

utterance: Mhm.

utterance: Yes that's.

utterance: You currently have a balance in your checking account of four hundred and fifty-eight dollars and ninety-eight cents. We can do two things for you. we can have the money routed to your, you know in a we can cut a check to you. We can send it to an outside account. Or if you'd like I can actually apply that towards the business over credit card as a payment to to it that work?

utterance: That works. Killing two birds with one stone.

utterance: OK great. I'm just initiating that payment right now. And I am closing your Business Preferred checking. OK so that's been done. The payment has been made and I did send you an email confirming the closure of the account as well as the payment on the business silver credit card.

utterance: Great. Thank you so much I appreciate that.

utterance: You're welcome Anthony. Is there anything else I can do for you?

utterance: I.

utterance: Think that should do it. Appreciate it thank you.

utterance: You're welcome bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, my name is Lisa. How may I help you today?

utterance: Yeah I lost my statement that tells me my transactions and I need to verify a transaction from August of twenty twenty-one.

utterance: OK, I can help you with that. Let's get your information pulled up here. Can I have your first and last name please?

utterance: It's Tammy Couch.

utterance: Thank you, and your date of birth?

utterance: May ninth nineteen sixty.

utterance: And your address please.

utterance: It's one eight three five Rice R I C E Boulevard and that's in Fairborn Ohio. Four five three two four.

utterance: Could you spell the city for me please?

utterance: It's F like Frank A I R B like boy O R N.

utterance: Thank you. And can I have your phone number?

utterance: yes, it's nine three seven five three two five five seven nine.

utterance: Great, and your driver's license number?

utterance: It's S like Sam, T like Tom, two eight zero eight eight one.

utterance: And what state was that issued in please?

utterance: Ohio.

utterance: Great, and your social security number please.

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

utterance: Great, and your customer PIN?

utterance: let's see, it's five seven zero seven seven one.

utterance: Thank you, and I understand the business name is Brass and Chain?

utterance: Yes.

utterance: And you are the sole owner?

utterance: Yes.

utterance: Can I have the establish date please?

utterance: January first twenty twenty.

utterance: Thank you. And your gross sales from last year what's excuse me, a hundred and twenty-five thousand.

utterance: Yes.

utterance: Great, can you give me your tax ID just to verify?

utterance: It's the same as my social security number. It's two six nine six eight four three seven three.

utterance: Great, thank you. So I understand that you need a copy of your statement sent back to you for your checking account, is that correct?

utterance: Yes.

utterance: OK, and I'm gonna verify your your account balances just to make sure that we I have the right accounts OK?

utterance: OK.

utterance: So that looks like the balance in your checking account is three thousand dollars.

utterance: Yes.

utterance: And the balance in your savings account is twelve thousand dollars.

utterance: Yes, that's right.

utterance: OK, and what month are I'm sorry, let's start again. Which. Which account did you want a statement sent from? Your checking or your savings?

utterance: My checking.

utterance: OK, I can do that. And then what month and year statement did you want?

utterance: August of twenty twenty-one.

utterance: OK, so just last month then?

utterance: no last month was September.

utterance: This month, I'm sorry. It's the month before.

utterance: No actually, August was three months ago.

utterance: OK, you're right. Thank you. OK so I'm gonna go ahead and send August of twenty twenty-one statement to you. Do you need a statement sent that covers the just checking or the checking and the savings?

utterance: Just checking.

utterance: OK.

utterance: How's the weather there?

utterance: It's not bad here, it's pretty nice.

utterance: It's nice here too.

utterance: Oh is it, what how's the temperature?

utterance: It's about sixty-five degrees.

utterance: Sixty-five?

utterance: Yes it's very nice.

utterance: That's cold!

utterance: That's cold. It's. It's eighty here.

utterance: That's warm for here.

utterance: That's cold for here. Well, let's see. I got that statement set up to send out tomorrow for you. It'll take just a few days to get to you.

utterance: OK.

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

utterance: Can you send that statement by US Postal Service?

utterance: Yes, it will come US Postal Service.

utterance: OK.

utterance: It will come with a signature required.

utterance: OK.

utterance: can you tell me how to set up online banking?

utterance: Oh sure. So you would go to either download our app on your. For your phone.

utterance: Yeah.

utterance: Look for the Intellibank app. And then you would click on the register tab, and on our website you would go to WWW dot Intellibank dot com and click on the register tab. And then you would go ahead and fill in your information. It'll ask you for your name, your birthdate, your address, your social security number to verify and your customer PIN and that will allow you to log in and see your transactions. It will also allow you to order new statements or replacement statements in the future if you need to.

utterance: Can I order new checks from there?

utterance: Yes, you can order checks. You can even make appointments with people such as the financial advisor or notary. How does that sound?

utterance: That sounds great.

utterance: Yeah, you can order checks either plain checks or fancy checks with with the you know cartoons and things on them.

utterance: OK.

utterance: Or even your business' logo.

utterance: OK, that's great.

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

utterance: No, I don't think so.

utterance: All right, well you have a good day Ms. Couch.

utterance: You too, bye bye.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank.

utterance: My name is Bea and I will be glad to assist you today.

utterance: Who do I have the pleasure of speaking to?

utterance: Hi, my name's Harriet Smithson.

utterance: Hello Harriet, how are you today?

utterance: I'm good. How are you?

utterance: Great. Thank you so much for asking. Harriet, how may I assist you?

utterance: I need to make an internal transfer between my checking and my savings account please and then also I got this letter in the mail that the interest rate of my checking account is going to be changing, but I thought it was set until the end of the year.

utterance: All right. I'll be glad to look into that for you, Harriet. regarding the. Was a a letter mailed to you?

utterance: Yeah it wasn't addressed to me. It was just a general letter, but the reason why I joined this bank in the first place was because the rates are fixed.

utterance: That's what I thought.

utterance: I see. the the rates can fluctuate depending on the FCCs regulations. we are not able to keep them fixed on our own. We have to follow federal guidelines.

utterance: Oh, I see.

utterance: Yeah.

utterance: That's a bummer.

utterance: What what can stay fixed are fees, non-fees, things like that, but as far as interest rates go, that that is federally regulated. So we have to follow federal guidelines.

utterance: Oh.

utterance: Huh. Well I guess because our country's in such political turmoil, then maybe that's why I got that letter.

utterance: Well you you never know. There are so many factors at play.

utterance: I guess.

utterance: Mm.

utterance: Harriet, you said you'd also like to do a transfer from one account to the other?

utterance: yes.

utterance: All right, and Harriet, will it be transferring from your checking into your savings. Is that.

utterance: no, my savings into my checking.

utterance: Great. All right. got that. Let me just get some information from you so I can access your account.

utterance: Harriet, your last name is that spelled S M I T H S O N?

utterance: yes, that's correct.

utterance: OK, one moment.

utterance: And can you please confirm your date of birth for me?

utterance: date of birth is seven ten ninety-six.

utterance: OK.

utterance: And my email address is Harriet at Smithson dot com.

utterance: OK, very good. I do see that we have that on file for you.

utterance: Thank you for providing that. just so you know we don't need that to access your account, but it's good to know we have your correct email address.

utterance: Oh.

utterance: and I will need, to access your account, your four digit security PIN number.

utterance: right. My PIN is three six one two.

utterance: My checking is three six seven five one two.

utterance: Oh, I'm sorry. What.

utterance: Harriet, I'm sorry to interrupt you.

utterance: I'm still accessing the PIN number and I. Can you repeat it for me please?

utterance: Oh yeah it's you know what? I just lost that. I just.

utterance: Oh my god. What did I do with it? Oh you know what? I gave you the wrong number. I'm sorry. my PIN is three six seven five.

utterance: That's OK.

utterance: Three six seven five. Let me input that.

utterance: Great. All right, now since we'd like to transfer from the savings into the checking, can you provide me the savings account number?

utterance: savings is six two eight five four three.

utterance: All right, and what is the dollar amount that we will be transferring?

utterance: three thousand five hundred dollars.

utterance: OK, and what is the checking account number? I'm so~

utterance: Yes, checking. Now we're going. We're going savings to checking. What is the checking account number please?

utterance: Right.

utterance: Checking is three nine seven five one two.

utterance: OK.

utterance: All right. So let me just confirm what we're doing before I go ahead and process this transaction.

utterance: You would like to transfer thirty-five hundred dollars from your savings account number six two eight five four three into your business preferred checking three nine seven five one two. Is that correct?

utterance: yes.

utterance: All right. One moment while I process this transaction for you. And just to let you know while I'm doing this, because this is an internal transfer from account to account the funds will be available immediately.

utterance: OK.

utterance: All right, one moment please.

utterance: Uh-huh.

utterance: All right, I have finalized that transaction. Would you like the confirmation number for that?

utterance: Sure.

utterance: All right. It is two nine four two.

utterance: Great.

utterance: Thank you.

utterance: Oh you're so welcome. Harriet, is there anything else I can do to assist you today?

utterance: no, thank you so much.

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

utterance: Thanks. Bye.

utterance: Bye.


utterance: OK.

utterance: Good afternoon, my name is Lisa and thank you for calling Intellibank. How may I provide you with outstanding service today?

utterance: Hi. is this Intellibank or Intellibank? I'm sorry, I couldn't hear what you said.

utterance: this is Intellibank.

utterance: Oh, OK. yeah. I I need to transfer money from my checking to my savings please.

utterance: Of course, I would be glad to help you with that today. And who am I speaking to?

utterance: my name is Jamie Marston.

utterance: Jamie, would you spell that for me?

utterance: My first name or my last name?

utterance: Yes I'm

utterance: Sorry. First and last name.

utterance: first name is J A M I E.

utterance: OK.

utterance: last name is M as in Mary, A R S T as in Tom, O N.

utterance: Okay, great. Thank you and how are you doing today Jamie?

utterance: I'm good, how are you?

utterance: I'm great, thanks for asking. All right, so you would like to do a transfer today. So, will we be transferring from checking into savings?

utterance: no. From savings into checking.

utterance: Thank you. I. You said that and I missed that.

utterance: That's okay.

utterance: All right. I'm just going to get a little bit more information so I can pull everything up. What is your date of birth?

utterance: three. God, I'm getting so old I forgot. I keep forgetting my date of birth. three twenty-seven nineteen sixty-two.

utterance: Okay. Not a problem. I understand that feeling. Jamie, may I also get your four digit PIN number?

utterance: Sorry, say that again?

utterance: May I get your four digit PIN number? It's a four digit security number associated with all of your accounts.

utterance: Mm yeah. Why do I have to give that out to you?

utterance: Oh, it's a it's nothing to access any money. It's just a security number that you put into the system that allows us to look up your account. Nobody else has access to that.

utterance: OK.

utterance: you know what? I can't find it. Can you hold on for one second please?

utterance: Take your time, not a problem.

utterance: Okay, I found it.

utterance: Great.

utterance: It's five seven one three.

utterance: five seven one three. Okay. All right, Jamie. And lastly I'm going to be needing the account numbers. we'll start with the savings account.

utterance: the savings account is two five one three five one.

utterance: Okay, and how much would you like to take from the savings account to transfer?

utterance: three hundred dollars.

utterance: All right. And may I get the checking account number please?

utterance: yeah it's two five one four five one.

utterance: Okay. Lemme just pull that up.

utterance: Mhm.

utterance: Okay, very good. I see that that is your business preferred checking. All right, so you would like to transfer three hundred dollars from the savings account into the preferred checking account, correct?

utterance: right.

utterance: All right. One moment while I process this.

utterance: All right, that transfer is complete. the available. The three hundred dollars should be available immediately because it was a direct account to account transfer.

utterance: And then can you tell me. Cuz I called yesterday and we got cut off like right before we finished. Can you tell me was there three hundred dollars that went into the savings account yesterday?

utterance: Let me look that up for you. And I. By the way, I apologize for the inconvenience. All right. Yesterday, yes there was a three hundred dollar deposit made to the savings account.

utterance: Oh, OK. So, OK. It did go through. OK great.

utterance: Yes.

utterance: It did go through. Did you need the balance on the savings account?

utterance: yeah, if you could give me that, that would be great.

utterance: Of course. The balance on your savings account right now after the withdrawal we just did is seven hundred ten dollars and two cents.

utterance: Okay. All right. Perfect that's all I needed. Thank you so much.

utterance: No

utterance: Problem. Just quick question for you, Jamie, while I have you on the phone. Did you have any questions about how to access your account online or through our mobile app?

utterance: no I think I'm good, thank you.

utterance: Oh, you're so welcome. Thank you so much for calling Intellibank and have a good day.

utterance: Thanks, you too. Bye.

utterance: Bye.


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

utterance: Yes. I have a business loan with you and I would like to set up automatic billing for my payments if I could.

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

utterance: It's Jill Baker.

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

utterance: it doesn't matter. You can call me Jill.

utterance: All right Jill so what type of loan do you have with Intellibank?

utterance: it's a secured loan.

utterance: OK and what is your account number.

utterance: Give me just one second to grab that. So it's three four six zero two nine nine eight.

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

utterance: Yeah it's Johnson controls.

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

utterance: Yeah it's March second nineteen eighty and the social's two seven three eight four three nine three zero.

utterance: OK and this account has a four digit PIN number on it for security purposes. Would you also mind sharing that PIN number with me?

utterance: Yeah it's six four seven eight.

utterance: OK and what's the name of the state are you in Jill?

utterance: It's Kansas City Missouri.

utterance: OK and what is your street address?

utterance: It's one one three Tudor road.

utterance: OK one one three Tudor road and what is the ZIP code for you?

utterance: That's seven three eight two zero.

utterance: OK and can I get a driver's license number for you and state of issuance?

utterance: Yeah it's M nine three seven zero zero two zero zero and it's a Missouri driver's license.

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

utterance: It's a Missouri tax ID and it's seven three eight eight two nine zero.

utterance: OK and what is the address of the business?

utterance: Wait a second, that's not my tax ID number. So my tax ID number's actually two seven three seven eight two zero. I'm sorry about that. The address is eight three seven two Hillshire Way Kansas City Missouri and it's eight three six seven two.

utterance: OK thank you for that and can I really quickly here. Can I confirm an email for you as well?

utterance: Yeah it's J Baker at Johnson controls dot com.

utterance: OK Jill so for this automatic billing are you wanting to have that draw from your Intellibank account or from a different account?

utterance: I actually need it to draw from an outside account at Winslow bank.

utterance: OK. Is that a checking or a savings account that you have with Winslow bank?

utterance: It's a checking account.

utterance: And is that checking account in your name or is it in the business name?

utterance: it's just in my name.

utterance: OK and what is the routing number for Winslow bank?

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

utterance: OK and what is your account number within with Winslow . I'm sorry, Winslow Bank?

utterance: It's nine three zero two nine zero zero zero nine.

utterance: All right Jill. Let me get this set up for you for automatic billing. Give me just a second OK?

utterance: OK that's fine. are you here in Kansas city?

utterance: Yeah I am. I actually am in Kansas City.

utterance: so is it snowing where you're at?

utterance: it is not snowing that I'm aware of. It's it's very very cold today. but we I haven't seen the snow yet. In fact when I was coming in this morning I was listening to the radio and I think it said it was supposed to come in after midnight today.

utterance: OK yeah I hadn't I hadn't heard when it was coming in but I knew it was supposed to come in and I saw on the TV they were already closing some stuff down.

utterance: Yeah I think it is expected to accumulate which they were originally saying it wasn't, it was just gonna be flurries but it sounds like we're we're gonna get a little bit heavier snow than they were planning on so but I don't think it's really supposed to start coming in until way later this evening.

utterance: OK yeah that that's perfect then cuz I hate driving in it and I have to be out today so I'd rather not have to drive in it.

utterance: Yeah well hopefully it doesn't last very long and it and it melts soon. Jill I do have your loan set up for automatic billing. What you're gonna do is you will actually receive an email every month notifying you of when your bill is due and then once that payment processes which it looks like it will draw from the sixteenth of every month. so once that payment processes you'll also receive another email from Intellibank that's basically acts as your receipt for that payment. So you'll receive two emails from Intellibank right around the time of the payment again the first one's just the reminder just notifying you that that they're going to be that payment's gonna be transferring out in the next day or so and then you'll receive that other one after the payment's processed and that one will act as your receipt. And I am. What I'm gonna go ahead and do is I'm gonna go ahead and email you over some disclosures to your email address that you provided. So I'm gonna email you over some disclosures. basically this is just is something that you'll need to just click the acknowledgment on and that's just acknowledging that you have set this account up for automatic payments and that you've agreed to the account information for it to be drafted from the Winslow Bank. So it won't actually go into effect as far as those automatic payments transferring out until that disclosure is completed but you should get that very shortly here in your email. If you'll just select select that. Go ahead and acknowledge the account information that was provided in the automatic payment set up then that will get you set up to move forward and that should be everything that I need from you regarding this automatic payment. Was there anything else that I could do for you today?

utterance: No I think that that that's everything, thank you.

utterance: All right Jill well thank you for choosing Intellibank and you enjoy your day OK?


utterance: Hi, there welcome to Intellibank. My name is Stephanie and who am I speaking with?

utterance: Hey Stephanie this is Tom.

utterance: Hey, Tom how's it going?

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

utterance: Doing well thanks. Nice to meet you and what is your last name Tom?

utterance: Swisher.

utterance: Swisher OK Tom Swisher and what is your address?

utterance: My address is one second it is it's eight zero zero West Olympic Boulevard.

utterance: Mhm.

utterance: Los Angeles California nine zero zero one five.

utterance: OK great. And then what is your social security number?

utterance: four one one three zero two one.

utterance: Great and how about your driver's license number?

utterance: my driver's license number is three three zero eleven three zero.

utterance: OK and Tom you're hoping to open a checking account with us today?

utterance: that's correct yeah.

utterance: OK great and then do you have your customer pin?

utterance: Yes, it's one one one two.

utterance: Mhm. OK, and what is your email address?

utterance: my is email address is Toms Swisher productions at Gmail dot com.

utterance: Swisher productions at Gmail. OK great and Tom what's your business name?

utterance: the business name is Swisher Productions.

utterance: Oh, that's right. great Swisher Productions and are you the sole owner.

utterance: that's correct yeah.

utterance: And then when did you establish Swisher Productions?

utterance: two thousand and nine.

utterance: Mhm. Two thousand and nine. OK. and then what is your gross annual sales amount?

utterance: it's three thousand dollars.

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

utterance: one one two five eight.

utterance: OK and then what's your what's the address to Swisher Productions?

utterance: six zero three three Wilshire Boulevard Los Angeles California nine zero zero three six.

utterance: OK great. And that'll be your mailing address then?

utterance: That is correct yeah.

utterance: OK. All right and will this be a business or personal checking account?

utterance: it'll be business, please.

utterance: Great. All right and what would you like your initial balance to be?

utterance: all of it. I'm putting all three thousand that I made last year in this.

utterance: All right.

utterance: Go big OK. Perfect. And what's your account number?

utterance: That's right, yeah.

utterance: it is one two two five eight.

utterance: OK and then how about your routing number just below the account number?

utterance: three two five eight.

utterance: OK great. OK great. Well we have a few different account options for you since you're opening a business checking.

utterance: Mhm.

utterance: Would you would you like to attach a business saving to your account as well?

utterance: please yeah.

utterance: OK great.

utterance: And then since you're opening a business savings the interest rate will be two percent and your monthly fee will be a wave.

utterance: Mhm OK.

utterance: OK great and then do you have any questions about your account today?

utterance: no that should be it.

utterance: All right sounds good. Well it was my pleasure assisting you.

utterance: Thank you.

utterance: Uh-huh bye.


utterance: Good afternoon, my name is Rachel. Thank you for calling Intellibank, how may I help you today?

utterance: Hi I need to cancel a cheque please.

utterance: You need to cancel a check? Put a. I'm sorry you need to put a stop payment on it?

utterance: Yeah.

utterance: Yes, and can you tell me is there a fee for that?

utterance: I will have to access your account to see what type of account you have with us, but I'd be glad to do that for you ma'am. And may I ask who I'm speaking to?

utterance: Oh OK.

utterance: my name is Oscarina Peterson.

utterance: What a beautiful name.

utterance: Oh, thank you.

utterance: And I'm just plugging you into the system let me just see if I. Is Oscarina O S C A R I N A?

utterance: Yeah like Oscar on Sesame Street except you add I N A at the end.

utterance: OK, I've never heard that name before it sounds like a Russian ballerina.

utterance: Aww that's nice, I wish I was a Russian ballerina.

utterance: And Peterson, P E T E R S O N?

utterance: Correct.

utterance: OK and Oscarina, may I call you Oscarina?

utterance: You can just call me Rina.

utterance: Oh Rina, all right. can you please verify your date of birth for me?

utterance: two ten seventy-two.

utterance: Two ten Seventy-two.

utterance: Seventy-two.

utterance: OK very good, and for security purposes what is the four digit security PIN associated with your account?

utterance: three seven one nine.

utterance: Three seven one nine one moment all right, very good. And I see here that actually you're our you're a member of our business preferred checking that is actually our high status checking and for that I can you have the preferred, we also have one called business total a preferred checking account holds a higher minimum balance but it also waves monthly fees, it waves fees for things like wire transfers stop payment on checks. It's just a little thank you for our our valued customers.

utterance: Mhm.

utterance: Actually what's the difference between the high status checking and the other checking account?

utterance: Oh.

utterance: Mhm.

utterance: I see.

utterance: OK, never mind. Thank you.

utterance: Not.

utterance: A problem and Rina, please tell me the cheque number that you would like to put a stop payment on?

utterance: ninety-one seventy-four.

utterance: Nine one seven four I can tell you're a long time customer just by the check number since they start at a hundred.

utterance: Uh-huh.

utterance: Yeah.

utterance: Yeah.

utterance: and what is the dollar amount for the check you'd like to stop payment on?

utterance: It's a

utterance: Hundred and seventy-five dollars.

utterance: Seventy-five, OK and do you know, I don't have to have this but if you can provide the approximate date that the cheque was written that would be helpful.

utterance: it was October twenty-second.

utterance: OK.

utterance: All right and what I'm gonna do I'm also gonna check just to see if any attempt to cash this has been made.

utterance: No, of course it there's the cheque hasn't cleared, but I don't even see an attempt has been made so that's good to know just for any potential fraud all right and I also have to ask the reason for the cancellation?

utterance: OK.

utterance: Oh my daughter drew all over it. She went rummaged through my purse and she got it and she had crayons and I wasn't watching her and that was the end of it.

utterance: Oh my goodness you have a little Picasso on your hands.

utterance: Oh

utterance: That's so sweet of you to say. Yes she's quite the Picasso. There's currently crayon on my walls on the ceiling, I don't know how she got it on the ceiling.

utterance: Oh.

utterance: Bless her little heart and bless you for having to have to clean that all up.

utterance: Ugh. I think we're gonna have to repaint the whole house.

utterance: I I raised three of my own I I've been there.

utterance: All right, Rina one moment. What I'm gonna do is I'm just gonna go into the system to generate this stop payment and then I will have a confirmation for you, I will put you on a brief hold for a approximately fifteen seconds.

utterance: OK.

utterance: All right, thank you so much for holding I'm back, that was very simple to process. just to confirm cheque number one nine one seven four in the amount of a hundred and seventy-five dollars has been stopped.

utterance: And that is effective immediately, and I did just send an email confirmation to Rina at Gmail dot com.

utterance: Did you want the confirmation number while we're on the phone?

utterance: I'm sorry I just I just dozed off for a second, this kid is exhausting me.

utterance: Oh my goodness.

utterance: No I'm. I don't. That's fine. I actually, I. You know what, I think it was just generated automatically cuz I just got the email that it was canceled so thank you.

utterance: Yes.

utterance: Absolutely.

utterance: While I have you on the line is there anything else I can assist you with today?

utterance: yeah can you take this kid away from me?

utterance: Oh well thank you so much for calling Intellibank and you have a very good day.


utterance: Rolling. Good afternoon, this is Intellibank. This is David Daniels speaking. How may I help you?

utterance: Hi David my name's Blake and I'm calling to check my account balance.

utterance: OK, I'd be happy to assist you with that. so please if I could get your name? First and last name? that would be great to start with.

utterance: Yes, my name is Blake James.

utterance: Blake spelled B L A K E?

utterance: That's correct.

utterance: All right. James.

utterance: Yes. J A M E S.

utterance: Great! And your date of birth?

utterance: I'm sorry. Could you say that one more time? You were muffled.

utterance: your date of birth please?

utterance: Oh. Two eighteen eighty-five.

utterance: February eighteenth nineteen eighty-five. Yes. And could I get your PIN number please?

utterance: Yes, eight seven one six.

utterance: Great! And your account number for the account you'd like to check?

utterance: It is three on eight seven six two five.

utterance: OK, one moment please.

utterance: Oh hello. Are you are you there?

utterance: Hi Blake, yes I'm here. And we're we're we're just accessing your account and we do have it popped up. do do you have something you wanna ask for?

utterance: Oh no no no. Sorry. . how's how's your day going? I'm I'm having quite a day myself but what about you? I hope yours is better than mine.

utterance: My day's going well. Thanks for asking. how what's going on with your day?

utterance: Oh man. Are you married?

utterance: I am married. I am married.

utterance: OK.

utterance: So then you know the struggle right?

utterance: Yeah. Yeah, yeah, yeah, yeah. I do.

utterance: You know how it is. I mean it's our it's our three three year anniversary and I may have forgotten but she doesn't know that yet so I still have a little time but you know that work we have two kids ugh!

utterance: I hear you. I you know I'm having my three year anniversary soon too and you know hey we're not we're not perfect all right so you know you got this.

utterance: Oh thank you. Thank you. I appreciate it but yeah that's why I needed to check my account balance because she's not a not a easy one to please if you know what I'm saying?

utterance: Absolutely Mr. James.

utterance: If she ever happens to call you guys don't ever tell her I said that.

utterance: OK Mr. James we do have your balance available now if you're ready to jot it down?

utterance: I am. Yeah I would've just checked it myself but I'd forgotten my Apple ID password so I couldn't get on the app and check it myself so I had to call you guys and waste your time you know.

utterance: Oh no, it's not a problem at all. You're not wasting our time. So your balance right now is twenty-one thousand eight hundred and fifty-seven.

utterance: Twenty-one eight fifty-seven OK.

utterance: Forty-four cents.

utterance: Forty-four cent. Ooh. Where would I be without that forty-four cent. Well thank you so much. I appreciate it. also, while you have it pulled up, could you tell me if I had any withdrawals for more than three hundred in the last two weeks?

utterance: Yes I can certainly tell you that. Give me just one second.

utterance: Cool.

utterance: Lemme

utterance: Pull that up.

utterance: OK sir it looks like you have three withdrawals within the last three weeks coming in on October fifth.

utterance: OK oh I'm sorry. Did I say two weeks? I meant to say three weeks.

utterance: Three weeks? OK.

utterance: Yes.

utterance: OK sir, so in the last three weeks you've had five withdrawals and would you like to know the specific days of those withdrawals or is that information sufficient?

utterance: I think could you tell me what the latest one was?

utterance: I certainly can. So the latest withdrawal from your account looks like the amount of five hundred dollars on October the twenty-second so that'll be three days ago.

utterance: hmm interesting. OK. . Thank you so much. Would you be able to email me the screenshot or something like that cuz I still can't get in my account on the app.

utterance: Yeah, absolutely! Is your email the one on record which is B J A M E S B James at Gmail dot com?

utterance: That'll be correct.

utterance: OK. Are there any accounts that I check for you today Mr. James?

utterance: No that was everything. Thank you so much. I really appreciate it.

utterance: Absolutely Mr. James. You have a great day and thank you for banking with us.

utterance: Thank you again. Talk to you later. OK.

utterance: Thank you.


utterance: Thank you for in calling Intellibank, home of smart savings, and low-rate SBA loans. My name is Richard. How can I help you today?

utterance: Hi Richard. I'm calling to get a copy of my credit report.

utterance: OK. We can definitely get you a copy of your credit report. May I have your name, sir?

utterance: Yeah. It's Sal Davidson.

utterance: OK, Mr. Davidson. we can go ahead and get your account opened up so we can get this ordered for you. There's a four digit PIN that's associated with your Intellibank account. What is that PIN sir?

utterance: that PIN is two three nine four.

utterance: Two three nine four. All right. Great. Give me one moment while our computer pulls that up. Computers are running a little slow on Mondays. I guess they're feeling the case of the Mondays too. All right. So we have your account opened up here. Please verify your date of birth for me, sir.

utterance: That would be eleven fourteen nineteen eighty-five.

utterance: Fourteen nineteen eighty-five. OK. Great. And also please verify your mailing address.

utterance: Four three two six Wilbur Avenue, LA, California, nine oh oh oh one.

utterance: Zero zero zero one. Fantastic. All right. Just verifying that information on your account. So that we can get to this next screen so I can order a credit report for you. What is your Social Mr. Davidson?

utterance: Oh good. I Hold on. Let me go get that card. Hold on.

utterance: OK.

utterance: All right. It's two two two four four six sick six six eight eight.

utterance: I'm sorry. Six six eight eight?

utterance: Six six eight eight.

utterance: Six six eight eight. OK. Six six eight eight. All right Mr. Davidson. It is populating your credit report. Pulling information from all three credit bureaus. While it does that and populates all that information, I want to determine how you want this delivered. Do you want this delivered through certified mail or would you like this through a secured email?

utterance: email.

utterance: OK. Secured email. All right. And our secured email. What's the email address you would like this sent to?

utterance: let's go with forty-three twenty one at Yahoo dot com.

utterance: Yahoo dot com. And are we just sending to this one email or multiples?

utterance: Just that one.

utterance: Just the one. OK. All right. Credit report is still pulling up. And we're going to deliver this throughs secured email I just want to make. Let you know that this is is secured email so you don't have to worry about your information being hacked or stolen or any type of identity theft. And the great thing about the email is that by the time we disconnect from our telephone call, you will have your credit report as a PDF file in your email.

utterance: All right.

utterance: It's just going to take a moment for all this information to get compiled and saved into a PDF file. Please bear with us.

utterance: No problem.

utterance: All right. So I am putting all this information in an email for you. Sending it to the email that you just verified with me. Also, in this email I will include some information regarding our online banking. There's. There will be a link for that, as well as a link for our mobile app.

utterance: Yeah. Probably am not gonna need that.

utterance: OK.

utterance: But you never know.

utterance: You never know. Just to be sure. It's there for you to use if you don't want to use it.

utterance: Thank you.

utterance: Do not.

utterance: I really do appreciate that, but probably not gonna need that one. But how's the weather over there?

utterance: The weather's fine. I mean, it's getting a little more chilly these days. Simply because the sun's going us dumb sun's going down sooner. I don't know what I'm saying. All right. So, Mr. Davidson, we have this email drafted for you. Gonna hit send. It should be in your inbox momentarily. OK. Great. Is there anything else I can help you out with today?

utterance: Oh yeah I see it now. There it is.

utterance: I believe I I think we got everything done. I appreciate it. Thank you.

utterance: OK. Mr. Davidson. Thank you so much for calling today. Have a great day.

utterance: You too. Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, this is Becky. How can I help you?

utterance: Hi yeah I need to set up an appointment with one of your Inteller bank people.

utterance: Oh Intellibank?

utterance: I thought you were Inteller.

utterance: no it's I N T L L I B A N K. Intellibank but that that's OK.

utterance: that oh whatever. You're the machine person, OK.

utterance: Ok so you wanted to set up an did you say you wanted to set up a meeting?

utterance: Yeah yeah I need to to to meet with one of the the branch people. I don't know if I need to set up a meeting or if I can go in.

utterance: OK. Was it with a branch manager or?

utterance: the financial advisor people.

utterance: Oh OK yes. Yes, they are at the they are in the branch and available online. can I get your account number first?

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

utterance: OK, thank you. And your first and last name?

utterance: My name is Toni Brown. Brown like the color.

utterance: OK. And your date of birth?

utterance: It's seven eight ninety.

utterance: Thank you. And then you have a pin number on here. Could I get that please for your protection?

utterance: Yeah. It's one four six seven and I set that up on six six seventeen when I opened the account with you guys and I think I was talking with Jameson or Roy. I can't remember it sounded like the name of a drink. Oh who did I set my up. My account up with? Are you sure?

utterance: Oh that's OK. I need .

utterance: Yeah it's OK I don't. Just the information you provided was all I needed. thank you very much.

utterance: OK.

utterance: OK. So you wanted to set up an appointment with a financial advisor. I can help you with that. was it going to be one by your.

utterance: OK.

utterance: I have your home address here in Albany Kentucky. Nine eight six two one. Is that the ZIP code you wanted to find a financial advisor?

utterance: Ye~

utterance: Yes, if possible. I'd really like to not have to go too far to. For this meeting.

utterance: Mhm.

utterance: Yeah.

utterance: Definitely. Well actually we do also offer virtual meetings with financial advisors. Did you want to do a virtual meeting or an in person meeting at a branch?

utterance: You mean like like they are on your computer or they come to your house or?

utterance: Yes.

utterance: that would be on your computer or smartphone. You could have an appointment, it would be like a video conference call with a financial advisor.

utterance: Huh.

utterance: Well beam me up Scotty let's do it on the computer.

utterance: OK. OK, great.

utterance: do I need a computer?

utterance: You would need a computer or a smartphone to do this. Cuz this would be through our online banking account.

utterance: I guess my flip phone won't do huh?

utterance: No you would you should pro~

utterance: Can I do it at the computer of the library?

utterance: You could. I would suggest not to do that because they will be asking you and talking to you about highly sensitive financial information.

utterance: All right fine I'll just go into the branch. I don't wanna have to buy a computer just to talk to someone.

utterance: OK, that's probably for the best. So then the ZIP code nine, eight, six, two, one let me look here. OK, so there's a few appointments available. What was the date that you wanted to go in and see?

utterance: Well today is November first, and I'd really like to talk them before Thanksgiving cuz I need to go Black Friday shopping for Christmas and I'm looking for a loan. To get that money cuz my sister's coming in for Christmas and she's got like ten kids and I have to buy presents for each one of them and it's it's just Ugh, too much money. yeah so that could be like in the next week or so, that would be really great.

utterance: Mhm.

utterance: Mm.

utterance: OK.

utterance: Sure I can look in the next week. So that this would be at the Albany branch.

utterance: Mhm.

utterance: And what times work best for you?

utterance: A southern time would be good.

utterance: as far as like during the day. Like morning, aftern~

utterance: Oh, I thought

utterance: You meant like time zone. OK. you know not too early cuz I usually stay up late and go hang out with my friend and watch movies. But you know not. Not too late in the afternoon because then it's like I still have stuff to do and gotta get my kid to school and. Let let's say like two o'clock. Is that?

utterance: Mhm.

utterance: OK. Two

utterance: O'clock. Well let me look and see what's available. OK so November fourth and November fifth there is a two o'clock appointments are actually available. Those either days, what would you prefer?

utterance: let's go with the fourth.

utterance: OK, so November fourth two p.m.. This will be at the Albany branch.

utterance: OK.

utterance: Mm, do you know where that's located?

utterance: Yeah. Yeah I got it.

utterance: O~

utterance: OK excellent.

utterance: I do

utterance: Live here.

utterance: OK, excellent. All right, so they've got your name and they will be anticipating you coming and talking to them two p.m., November fourth.

utterance: And this like one of those meeting where you've gotta get all dressed up or can I just like roll up in there like I'm going to Walmart or something.

utterance: There's no there's no dress code.

utterance: I mean I am applying for a loan so do they judge your your your presence by that.

utterance: I would probably dress nicely.

utterance: Fine, OK. Well thank you.

utterance: OK. And was there anything else I could help you with at Intellibank?

utterance: Nope that's about it.

utterance: OK. Thank you and have a good day.

utterance: You too.


utterance: Hello, my name is Verna and I will be assisting you today on this recorded call. Thank you so much for calling Intellibank and how may I help you?

utterance: Verna, I'm wanting to open an SBA seven A loan.

utterance: OK, I can actually do that for you right over the phone if you'd like.

utterance: So, Intel Bank has the SBA loans also cuz I didn't I didn't see those on the website.

utterance: Yes.

utterance: The Intellibank actually carries the SBA loan and I'm not sure if it's on the website or not but with the pandemic the SB SBA Loans have been become more widely available.

utterance: Yeah, I've been hearing a lot more about them so I been wanting to see if I can complete that application with you. Can I do that?

utterance: Absolutely. I'll just need a little bit of information. let me start with your name, first and last.

utterance: My name is Spencer Johnson.

utterance: Spencer S P E N C E R Johnson just like it sounds?

utterance: Yes.

utterance: Great. All right, and.

utterance: with the

utterance: H.

utterance: With the O of course, yes, like Johnson and Johnson.

utterance: Oh don't remind us.

utterance: Oh sorry about that. I'm just thinking baby oil and cotton swabs.

utterance: Baby oil OK.

utterance: I'm back to my kids' youth. Alright may I please have your address, please?

utterance: You'd like my my home or the business address?

utterance: I'm sorry about that your home address.

utterance: My home address is five six eight nine Oak Lane.

utterance: Oak Lane and the city and state?

utterance: Oh Los Angeles, California nine zero six zero three.

utterance: Fantastic. Alright please, may I have next your social security number?

utterance: Social's five two seven eight nine three four five two seven.

utterance: Four five two seven. OK great. Alright, the next thing I am asking is your driver's license, please?

utterance: this is a California driver's license.

utterance: Alright.

utterance: Five eight zero six zero eight three one one nine.

utterance: Three one one nine. OK very good. And what is the best email address for us to have?

utterance: you can reach me at spence at spence dot com.

utterance: OK and are you the sole owner of your business?

utterance: Yes, I am.

utterance: Great.

utterance: Thankfully.

utterance: and approximately when did you establish your business?

utterance: Two years ago. Twenty nineteen. Is when we started.

utterance: Twenty nineteen.

utterance: OK very good. And your gross annual sales you can either use two thousand nineteen or two thousand twenty.

utterance: Fifteen thousand is what we got last year.

utterance: Fif~

utterance: OK, very good and your tax ID number please.

utterance: tax ID number is two four nine eight four seven four seven eight nine. For that business address five seven eight nine Westing House.

utterance: Oh, thank you let me just give me one moment I just need to get into the business screen, business address screen. OK great, go ahead with that business address.

utterance: it's in Los Angeles, California five seven eight five Westinghouse.

utterance: Five seven eight five Westinghouse Los Angeles, California and the ZIP code?

utterance: Nine zero eight zero three.

utterance: Great. and Spencer is your mailing address the same as your business street address?

utterance: Yes, the Westing House. Yes, it is.

utterance: OK great. Alright, so the next two things I'll be asking you is how much you'd like to apply for on this loan and how long? Did want to advise you that you can carry the the loan term for up to ten years at a fixed rate of only two percent. Because it is also backed by the government and there is no penalty for an early payoff. So how much would you like to apply for and for how long?

utterance: you know you know what give me give me one second. Let me let me.

utterance: Certainly.

utterance: Hang on. Yes, Intel Bank yeah, we're gonna go ahead and do let's do ten thousand.

utterance: Ten thousand dollars, OK. And for how long?

utterance: Yes.

utterance: Ten years. Let's do the ten year term.

utterance: Ten years, OK. Alright and once you're approved the Telebank and the SBA do require a down payment of between five to ten percent. How much would you like to put down?

utterance: Ten. Ten percent.

utterance: Ten percent.

utterance: OK great. And because you also carry our business checking account upon approval I can have this funded right into your checking account. Would you like that?

utterance: That be great.

utterance: OK very good. That takes care of everything on our end. Is there anything else I can do for you today?

utterance: No we're good.

utterance: Great, you'll get you'll hear back about your loan within seven to ten business days. Thank you for calling Intellibank and have a great day.

utterance: Thank you Intel Bank and have a good day.

utterance: Bye bye.


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

utterance: Yes so, I need to check and see how much I have to left to pay on my loan if I can.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you're wanting to check the balance of your loan. Can you tell me your account number?

utterance: It's four five zero, eight nine, zero eight nine zero.

utterance: OK, and that's your that's your account number you said?

utterance: Yes, that's correct.

utterance: OK, what's your date of birth?

utterance: It's March second of nineteen eighty.

utterance: OK, and it looks like your account has a four digit PIN number on it for security purposes, could you share that with me as well?

utterance: So it's seven four eight nine and my old one that was four six seven two. I didn't know if you need the old one anymore but I'm gonna share it anyways.

utterance: no Jill, I actually won't need the old one, I just need your current pin. and thank you for that information. So you're wanting to check the balance of your loan, correct?

utterance: Yes, that's correct.

utterance: Ok, can you give me just a moment to pull that up here real quick for you?

utterance: Ok, so it looks like the amount currently left to pay on your loan is fourteen thousand, nine hundred and one dollars and thirty cents.

utterance: And then it looks like your next payment is not due until October thirtieth.

utterance: Were there any other accounts you'd like me to check on for you?

utterance: No, I don't think so, but could you tell me the available balance on my credit card?

utterance: Yeah, I can do that. So I've already confirmed your name and date of birth, but can you give me your credit card number please?

utterance: Yes so, it's three eight four, seven three seven, two nine zero zero.

utterance: Ok, and can you confirm your PIN for me one more time?

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

utterance: yeah that's correct, seven four eight nine.

utterance: All right Jill, give me just a moment to check that balance for you, OK?

utterance: OK. Have you heard anything about the snow we're supposed to get today?

utterance: So, the last that I heard they were calling for about six inches, and the temps were gonna be in the negative.

utterance: Oh my goodness, oh, so they're saying to stay off the road, that's what I've heard, that they've said to stay off the roads, stay home, you know, all those good things. It's supposed to get real gnarly.

utterance: Yep, so I saw that too, they said that they may have it, to issue a state of emergency, so it sounds like it's it's gonna get pretty bad out there.

utterance: Hopefully the snow is light and there's just not, no ice or anything mixed in it. I'm, I'm just not, I'm not really used to driving in the snow so, it's not my favorite thing.

utterance: Yeah, I agree just stay safe out there Jill. If you have to get out today just please stay safe out there.

utterance: Jill, I did have that credit card balance for you, so it looks like your available credit card balance is eighteen thousand, three hundred and ninety dollars and ninety cents.

utterance: Jill do you have access to any online banking accounts?

utterance: Yes I do.

utterance: OK Jill, so what I want to let you know is that you can also check your account and loan balances through your online banking.

utterance: I don't know if you're familiar at all with that, but when you log in if you select the tabs for credit and loan at the top of the page then it'll give you a kind of a little drop-down to select a loan number and it'll give you the account numbers.

utterance: if you click on the account numbers associated with this loan and with your credit card then it it will show you the information you can actually check and see what the balances are due on your card, you can check and see what the payments due you can actually even make your payments through that option, I don't know if you currently do that or not but then again if you if you can't get in there you're more than welcome to call us back and we'll do it for you as well here at Intellibank too, cuz that's what we're here for here.

utterance: OK, I didn't realize that, I'm sorry. I could've just checked online, I didn't even think about it.

utterance: Yeah so, can I check one more thing? I'm sorry, while I have you on the phone, I apologize.

utterance: No, that's fine, go ahead, what did else did you need to check?

utterance: So just real quick while you have my credit card information up, can you tell me can you look and tell me, I know you said my available credit card balance, what it was and you gave me the payments and everything on there but can you tell me like, what the interest accrual is on that? like how much interest I've paid up to date?

utterance: Yeah. So, it looks like, it looks like you've only had the card for about four months.

utterance: so let me run this real quick and see what I can find on that.

utterance: So if I do a quick, just a quick addition here to the account.

utterance: It looks like up and to this point for the last four months, they're showing that you've paid about ninety-four dollars and thirty-six cents in in interest on the account. That seems a little bit high to me, let me go back here and see if it's adding up your other statement.

utterance: OK, so yes, so it it was including your other loan statement in there too, so it looks like for the past four months just for the credit card, it looks like you've paid about thirty-six dollars and forty-four cents in interest for that, just for the card.

utterance: OK then. So, if I do a full pay off, I'll pay off the eighteen thousand, three ninety ninety. No, that's my available credit, so can you tell me the balance on that one one more time?

utterance: So, the balance on the credit card, so you're available credit is eighteen thousand, three ninety ninety, but the balance due on the card is six thousand, four hundred, four dollars and twelve cents.

utterance: OK, so if I do a pay off, then I need to pay this six thousand part off?

utterance: Yep, that's correct. Was there anything else I could do for you today?

utterance: No, I think that's everything, I'm sorry to bother you.

utterance: You didn't bother me at all, no problem at all. You have a good day and thank you for choosing Intellibank.