utterance: Hey there thanks for calling Intellibank my name is Stephanie and who am I speaking with?

utterance: this is Roger.

utterance: Hey Roger nice to meet you and how are you today?

utterance: I'm doing OK I I'm on vacation and I lost my credit card so I need to cancel the old one and and get a new one shipped out.

utterance: Sure thing I am sorry to hear that you lost that on your vacation. Let me cancel that card and what kind of a credit card did you have previously?

utterance: I had the platinum card.

utterance: The platinum card OK. Let me see if I can pull up your information What was the first and last name for that card user?

utterance: Roger Hamersand.

utterance: OK Roger Hamersand and then what was the date of birth?

utterance: ten one eighty-eight.

utterance: Ten one eighty-eight. And what was the PIN number for that card?

utterance: PIN number is two zero three four.

utterance: OK. And what was do you know the the account number off hand?

utterance: yes hold on one second I can describe that.

utterance: Sure thing.

utterance: OK it's one zero zero nine three.

utterance: OK great. All right and you'd like me to go ahead and freeze that account and cancel the card altogether?

utterance: Yes please.

utterance: OK great. All right I'm just gone put you on a brief hold while I cancel that for you.

utterance: OK.

utterance: All right I've some suspicious activity in your card looks like a few purchases were made so I'm gone go ahead and mark OK I'll mark that as fraudulent and I'll go ahead and reverse those charges.

utterance: OK thank you so much.

utterance: Of course and then would you like to replace that card with another platinum?

utterance: yes please.

utterance: OK great I can go ahead and do that for you. And what will be the the new user's first and last name?

utterance: my Roger Hamersand.

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

utterance: yes two five eight eight three one nine eight two.

utterance: OK. And your previous credit limit was twenty-five hundred but you see that you're nearing exceeding that would you like to expand your credit limit?

utterance: well maybe how how much can I expand?

utterance: Sure we can go up by another five hundred dollars if you'd like to expand it to three thousand.

utterance: sure that's good.

utterance: All right let's do that. And what is your shipping address?

utterance: Shipping address is five two three Western Avenue Los Angeles California nine zero zero three six.

utterance: OK great. And I think just using a different PIN number than your last card just to keep everything secure that way your card can't be stolen again.

utterance: Right of course.

utterance: All right what would you like your PIN number to be?

utterance: two zero seven four please.

utterance: OK. And then date of birth you said was ten one eighty-eight?

utterance: That is correct yeah.

utterance: OK.

utterance: And then do you had any other existing credit card that you'd like to link to your new platinum to?

utterance: well I have a traveler's card is it possible to link those?

utterance: Absolutely and they'll actually earn you more cash back maybe some more SkyMiles as well and it would double your points that you can use towards your next trip.

utterance: OK yeah that sounds that sounds good.

utterance: OK I'll go ahead and do that. And are you interested I know that you have the traveler's card as well as the platinum card are you interested in applying for any loans today?

utterance: maybe what what kind of loans am I qualified for?

utterance: Sure well you can apply for a loan to pay off your existing platinum card monthly it will be at a fixed fixed payment plan monthly and it will give you a lower interest rate as well.

utterance: A lower interest rate on my card?

utterance: Mhm

utterance: no I think that's OK.

utterance: OK. All right I'll go ahead and submit that request to get you your new platinum. And have that shipped out to you I can also send you a confirmation email with these details if you like as well just you have a reference.

utterance: Yes please send them.

utterance: Right I'll send that. And you can expect that new platinum card to be on its way in a few days. And since you are on vacation did you want that shipped to your home address or where you're vacation?

utterance: Yes we're plan to fly back to home.

utterance: OK great. So you can expect that within three to five business days so after the next weekend.

utterance: Thank you so much.

utterance: Of course take care.


speaker_role: Agent

utterance: Good afternoon. My name is Marshal. Thank you for calling Intellibank. What can I do for you today?

speaker_role: Customer

utterance: hey Marshal! I'm Kevin and you know I've been banking with you guys for a while and I like to watch a lot of financial TV shows have you ever watched this?

utterance: I can say that I can Kevin. Is there is there one in particular you were talking about?

utterance: Well.

utterance: Well.

utterance: Just a guy who just yells at the TV all day about prices and he keeps mentioned a stock index and you know I just I wanna know what I'm you know what I'm talking about. So, do you. What what is that as what is that price index thing consumer price index, you know?

utterance: you wanna know the CPI is? It's a measure of the basket goods from one household to to the next the price of those.

utterance: Come on come on give me give me layman's terms there.

utterance: I guess it would say like say you have what a bottle of water.

utterance: OK.

utterance: And it's just measuring the price you bought that bottle of water for. In comparison to that same bottle of water say.

utterance: Sure.

utterance: Yeah.

utterance: Say two months from now.

utterance: Uh-huh. OK.

utterance: Yeah.

utterance: Yeah.

utterance: So, that's price index in its most simplest terms. Obviously, it's a little more nuance than that.

utterance: Yeah. Of course. Yeah.

utterance: But I don't have the expertise to go into to delve into that well. I could possibly transfer you to a supervisor who may know a little bit more about it. Cuz this is only my third month working here. But I do the best that I can.

utterance: Sure. Yeah of course By the way, you have you been watching the World Series?

utterance: I am not actually.

utterance: Oh!

utterance: I'm not a big baseball fan. I love basketball though.

utterance: Oh yeah! What what's your favorite team there?

utterance: I'm don't really have a team. Not much anymore. I used to be a huge lakers fan. I loved Kobe Bryant. but now I just players that I like. My favorite player right now is Kyrie Irving.

utterance: Kyrie Irving.

utterance: Very unfortunate that he is not playing right now but.

utterance: Why why isn't he playing?

utterance: Well, the state of New York instituted a mandate for saying that oh public buildings that are over a certain capacity that the entrance must be vaccinated. And Kyrie Irving does not want to be vaccinated and he basically does not agree with mandatory vaccinations and I can agree with that.

utterance: Oh.

utterance: Oh.

utterance: Person shouldn't be forced to.

utterance: vaccines for what there?

utterance: For COVID.

utterance: What's that?

utterance: COVID. You know the disease? The viral disease that's been killing thousands of people? Hundreds of thousands of people?

utterance: Oh

utterance: My. That sounds bad. I haven't heard about it.

utterance: you haven't heard about COVID nineteen?

utterance: No. I sure haven't.

utterance: I live in the tire.

utterance: You live.

utterance: Yeah It's a just big old It used to be a semi truck tire and I just live inside that and you know just kind of do my thing.

utterance: Interesting! I guess that could explain it. I I'm honestly I'm bewildered that you aren't aware of COVID nineteen.

utterance: Well, you know I just you know.

utterance: I mean clearly you have to stay in touch with society to be able to run your business and you obviously has have a cellphone because you're calling in right now. So, I'm just I'm just, wow! Are you you're pulling my leg, right? You know about COVID nineteen?

utterance: I gotta I gotta I gotta admit stupidity here. I'm just I'll can do it. That sounds pretty neat.

utterance: Well, if you think hundreds of thousands of people dying from a respiratory disorder.

utterance: Well, like that. That of course sounds bad but

utterance: Yes.

utterance: Why don't we check it out check out these vaccines that you're talking about. Oh that sound pretty cool.

utterance: yeah. Well, I think about COVID nineteen is that it's wildly unpredictable. One person can get it and feel like a million bucks and and the next could get it and lose their life. You know?

utterance: Oh.

utterance: Oh! OK. Got you.

utterance: But at the same talking I don't feel like people should be mandated with what they do to their body it should be up to them.

utterance: Oh! Well, depending some sort of sense I guess. I don't know.

utterance: And.

utterance: Maybe that maybe I'm against it depends on who's listening to this conversation. You know.

utterance: Oh Kyrie Irving is a playing in this That's really

utterance: Isn't that the guy.

utterance: Who thought the earth was flat?

utterance: Yes he also came round and said that he he admitted that he was wrong. So.

utterance: well.

utterance: It takes a big man to do that.

utterance: I guess so. We're just one plane, right?

utterance: But yeah. I guess some

utterance: Well, is there anything else I can do for you? Today, it's been lovely chatting with you though.

utterance: Oh likewise stay away from this COVID thing. Sounds bad.

utterance: Yeah yeah that that'd be the goal. Working from home right now.

utterance: Well, work from a tire. It's even better.

utterance: Well thank you very much, sir.

utterance: All right. You take.

utterance: Care.

utterance: And you enjoy the rest of your day.

utterance: Uh-huh.


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

utterance: Yes I got an email from the loan department. They have been trying to reach, call me and was unable to reach me. Can you tell me what this is about?

utterance: Sure I'll be happy to help you with that ma'am and if you would let me just see if I can pull up your account and access that and find out what is happening here. first of all if I can ask what your first and last name is?

utterance: Evelyn Richards.

utterance: And Ms. Richard if I can ask what is the name of the business that you have on file with us?

utterance: Jones, Beth and bath.

utterance: OK thank you for that Ms. Richards and let me of course ask you a few questions just to verify your account. Here at Intellibank we do take your account security very seriously and this is for your and your business's protection. So is it all right if I ask you a few questions to verify your account?

utterance: Yes you can. I don't mind at all.

utterance: thank you for that ma'am and if I could ask what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right and Ms. Richards if I could ask what is your business address?

utterance: Ten seventy-five Lehman's Court. This is in Marana Georgia, three zero zero zero two.

utterance: OK, thank you for that. And Ms. Richards if I could ask what is the account number on file?

utterance: Nine eight four six five nine.

utterance: All right and finally what is the PIN number for your account?

utterance: One zero one nine.

utterance: OK, thank you for that. And yes ma'am that looks correct and I was able to verify your account. And let me see if I can locate what the notice is that we sent to you.

utterance: OK I'd appreciate that. You know I was just thinking about that birthday eleven eleven? And you know I'm it's just good to be here with covid-nineteen and so many have aren't here you know and I just thought about that. You know at this time.

utterance: Well absolutely and and in case I don't speak to you before then happy birthday to you and it looks like your birthday also appears to be on the Veterans Day as well.

utterance: Oh yes it is. Well thank you so much for that.

utterance: Yes ma'am I believe every year eleven eleven is a Veterans Day or is it eleven ten or around there so what a great time to be born as we celebrate not only your life but those of our veterans.

utterance: Absolutely.

utterance: And you are also right it's certainly also remindful of the sacrifices made by many when it comes to this pandemic and it's certainly been quite trying but you know you are again correct it is great that you have been able to somehow hopefully thrive in the midst of this pandemic.

utterance: Yes exactly and as the key you know when you know made it and you know just some great thanks to be here. It's coming out handsome and I just thought I'd say that because I think it's should be said.

utterance: Yes ma'am absolutely a hundred percent agree with you there. Now Miss Richards, yes I was able to access your account. And the notice that I'm seeing on file is you're correct It appears our loan department did attempt to give you a call and for whatever the reason it appears they were unable to reach you at the number that we have on file here when they attempted to call you. It appears it was about two times that they attempted to. so maybe we should ensure that we have the correct contact information for you so that they can reach you by phone. just so that I can see here I think the number that we have on file is six seven eight two zero two four two five three. Is that number correct?

utterance: no you know that is not correct we definitely need to update to the new one.

utterance: terrific yes ma'am. Happy to go ahead and update that number for you on file. what is the new number that we should update the account to?

utterance: Oh OK thank you ma'am. Let me just verifying that's six seven eight three six one eight zero three one.

utterance: That's right.

utterance: All right terrific. yes ma'am. I've gone ahead and updated that on file for each of your account. as noted and what I'll do is send a note as well to the loan department. Because unfortunately I'm unable to access the loan department. That's a separate department from us so I don't know What their efforts were to reach out to you. I'm not certain what exactly it was they wanted to communicate with you. But I'll note it send a note to them that you did of course call in. That you have you provided your new updated information and they, I'm sure, will reach back out to you.

utterance: Oh OK that would be great. I hate that they weren't able to reach me so I'm very happy that we got that number updated so they can get in contact with me.

utterance: I assure you ma'am that they will get back and contact you with you here hopefully you know by the end of the business day. If not certainly by tomorrow.

utterance: That it works!

utterance: And Ms. Richards is there anything else that I can we have assistance?

utterance: No.

utterance: Well Ms. Richards we certainly do appreciate you giving us a call here today and you have a great day.

utterance: Thank you, you too.

utterance: Bye bye.

utterance: Bye.


utterance: Hey, there my name is Farris. And you're calling Intellibank who am I speaking with?

utterance: this is Brendon.

utterance: Brendon nice to meet you and where can we get started today?

utterance: just want to maybe open a savings account.

utterance: Sure thing we can definitely help you out and open that up for you. Have you ever had a savings account with us before?

utterance: no, I haven't.

utterance: OK. So this will be your first time. Do you have a checking account with us?

utterance: I do.

utterance: Great we can go ahead and pull up your checking account and we can open your savings account and link them. and Brendon can I have your last name, please?

utterance: McGovern.

utterance: McGovern. OK. Let me just find you here.

utterance: Mhm.

utterance: OK, I wasn't able to pull up your last name. Can I try your email address.

utterance: let's do Brendon McGovern at Gmail dot com.

utterance: Brendon McGovern at Gmail.

utterance: OK and how about your mailing address as well?

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

utterance: OK great. And let's take a look here. All right. It looks like I found your account. I just want to confirm your driver's license number.

utterance: yeah it's F one two four eight three.

utterance: OK. and what is your customer PIN number?

utterance: three three five three.

utterance: Three three five three all right. Let's take a look here. and it looks like you have a personal checking account with us.

utterance: I do yeah.

utterance: Great so what we can do is open up your savings account. as long as you have a minimum of three hundred dollars in your savings account you won't have to pay a service fee of twelve dollars. Would you like to transfer some funds from your checking account to your new savings account?

utterance: yeah, what would you recommend?

utterance: OK, I would recommend going ahead and transferring at least three hundred in your account just to avoid that service fee every month.

utterance: OK sure.

utterance: All right. We'll go ahead and do that. All right, Brendon. Do you mind if I put you on a brief hold and I'll make that transfer for you.

utterance: Yeah, please.

utterance: Sounds good. All right, Brandon. I've gone ahead and transfer this transfer those funds for you.

utterance: Great.

utterance: I also see that you have a gold card with us.

utterance: I do yeah.

utterance: And you've reached your limit. I do want to tell you about our platinum card that has a higher limit than your gold card. Would you be interested in opening up a platinum card at this time?

utterance: Yeah I might but can I transfer all the debt on the gold card to the platinum card.

utterance: Sure we can go ahead and do that for you. Would you like to do that?

utterance: Yes, please.

utterance: OK.

utterance: Will I get cashback on that?

utterance: You will you'll earn cashback on the platinum card and you weren't receiving cash back on that gold card, so that will be a little perk for you.

utterance: OK.

utterance: Perfect.

utterance: OK sounds good and I set up your savings account and I transferred the three hundred into your account. So just be mindful that your account doesn't go under three hundred because you be charged our twelve dollar service fee. But other than that do you have any questions for me?

utterance: Well no not exactly but I would love everything we talked about sent to my email.

utterance: Sure thing I can go ahead and send you that confirmation email. Do you mind confirming with me one more time?

utterance: Yeah, it's Brendon McGovern at Gmail dot com.

utterance: Bredon McGovern at Gmail. Sounds good. I'll go ahead and forward you over that confirmation email and you'll be receiving that in the next five minutes.

utterance: Great.

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

utterance: no, I think that should be it.

utterance: All right sounds good. Well, it was my pleasure assisting you and upon reviewing that email if you have any questions that come up you can always give us a call.

utterance: well that's fantastic and thanks for all your help and I will be checking my email for that.

utterance: You bet you. Take care. It was my pleasure assisting.

utterance: OK, goodbye.


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

utterance: Yeah. So I'm trying to find out what I owe for my current account.

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

utterance: It's Jill Baker.

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

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

utterance: OK Jill so you're wanting to find out your current credit card balance or the current amount due, which one is that?

utterance: Well I want to find out how much I owe is what I want to find out today?

utterance: OK. And is this a business account?

utterance: Yeah it is.

utterance: OK. What is your credit card or account number?

utterance: So my credit card number is two eight nine four nine zero zero three zero and then my social is eight three two zero nine three four nine.

utterance: OK Jill. I'm not gonna need your social but what is the business name?

utterance: It's Johnson Controls.

utterance: And Jill can you give me your date of birth please?

utterance: Yeah. It's March second nineteen eighty.

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

utterance: Yes so that should be six four seven eight.

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

utterance: I'm in Kansas City, Missouri.

utterance: And can you give me your street address there in Kansas City?

utterance: Yes so it's five three nine Hoover road and the ZIP code is six four seven one eight.

utterance: All right. Let me get your account pulled up here Jill. So Jill you're wanting to know the current pay off balance or just the monthly payment due?

utterance: If I could get all of it, that'd be great.

utterance: OK, absolutely. So it looks like the current balance owed on your Intellibank old member corporate credit card is ten thousand eight hundred and seventy-three dollars and ninety cents. And the current monthly payment due on October thirtieth is gonna be three hundred and eighty-nine dollars and forty-nine cents. Did you possibly want me to take that payment from you over the phone today?

utterance: My- I mean would you be able to email me my account statement by the chance, does that cost anything or. I just want to see what a breakdown of the account right now I owe and then what the last statements has been.

utterance: Yeah. I can do that for you. Can you verify your email address for me and ther- and there is no charge for Intellibank customers to get that statement as well.

utterance: Yeah thank you. So it's J Baker Johnson Controls dot com, it's J as in Jill Baker Johnson Controls dot com. I'm sorry are you having trouble hearing me I'm in my call right now, I just saw it pouring down rain.

utterance: Oh my goodness so are you stuck? When you. Do you wanna give us a call back?

utterance: No. I'm actually to stop I'm sitting in the parking lot it just started raining really really hard, I didn't know that it was even supposed to rain.

utterance: I actually had just gotten an alert on my phone just a few minutes before you called and it was saying that we were under severe thunderstorm warning but it sounded like it wasn't gonna come until later, so it sounds like it it's coming in early then from what you're saying.

utterance: Really I didn't even check the weather this morning but it wasn't over cast or anything when I left this afternoon. So it didn't seem like there was anything to worry about weather wise

utterance: Yeah I don't know if it's going to kind of continue raining or not it just sounded like we were supposed to get some some lightning and thunder no no s- no strong winds it didn't say but I thought I thought it said closer to four but it sounds like it came in pretty early then ha.

utterance: I mean it's not pouring hard out here, it's like seriously like I can't even see out the front window so bad.

utterance: I mean are you somewhere you can be stuck for a while or you gonna have to get out of the car in all these?

utterance: My- I mean I'm. I have to go to my office but I can hang out here in the car as long as possible until it stops raining I'm not going to go out in this, it's like I mean it's massive it's a massive amount of rain.

utterance: Well I absolutely don't blame you at all for that hopefully it can stop raining so you can get back in your office here in just a moment Jill I didn't catch you when you said did you want me to take that payment for you for that card today?

utterance: No I think I'll just wait on that, it's not due for a few more days. I like to make a larger payment if possible a little bit closer to the time.

utterance: Not a problem Jill. Jill I wanted to ask, do you have access to online banking?

utterance: I do. I have that code set up.

utterance: OK Jill well if you access to online banking I also want to let you know that you're able to check your balances and make payments for your credit card on your online banking as well. when you log in to the account you will just go to the tab at the top for your credit card once you go in there it will actually tell you show you your balance. at the top of it, it will tell you available balance if you click on that section it will bring you to another page which will tell you to. It will say pay card on the bottom of it, a little bit icon button there that says pay card. If you click on the pay card button it will give you a variety of options, you can pay the monthly payment amount, you can pay. You can choose your own payment or you can pay with the balance due. So there is a couple different options there for them to pay But I mean it's just another option for you, you can always call us back here at Intellibank and we can do for you over the phone, but it's another option for you in case you you're trying to regarding your credit card during non business hours.

utterance: OK. I had no idea I can even look at it on there, I mean I check my checking all the time on it, but I guess I never paid attention to the tabs at the top.

utterance: Yeah. I mean it's it's not a big deal if you wanna call us back and have us do it for or if you wanna make a payment over the phone. That's just another option for you just in case you wanna check that out as well. If you wanted more instructions on how to use it, I could send those instructions to your email if you wanted those.

utterance: No. I mean it sounds fairly simple I think I can probably figure it out. But if I need to call, I can call back and and walk you through it. Is that possible?

utterance: Yeah. We would absolutely walk you through it if you had any trouble figuring that out. Jill so I've got everything completed for you today that you've requested, was there anything else I could do for you today?

utterance: No. I think that's everything, I appreciate it very much.

utterance: No problem Jill. Thank you for choosing Intellibank and you drive safe.


utterance: Hello.

utterance: Hi thank you for calling! What can we do for you today? My name is Randy.

utterance: Well Randy I don't know if you'll be thanking me for calling.

utterance: I'm always thankful for talking with our customers.

utterance: Well today is my last day as a customer.

utterance: Oh what's going on? What what's going on here?

utterance: I wanna close my account.

utterance: Oh OK is there something that we can do to help you is there something we can do to to to talk about it?

utterance: I don't know.

utterance: What's the what's going on? Why would you want to close it?

utterance: Well I just don't feel like I'm getting what I need from this.

utterance: Oh no? What's going on with the account? We have different options for different accounts if you don't feel like you're getting what you need.

utterance: Like like what can you offer me?

utterance: Well I see right know you have a standard account with us and we have other accounts that Let me take a look and see if you're eligible. What's your name?

utterance: My name is Mia Mia Rain.

utterance: Mia Rain?

utterance: Yes.

utterance: And Mia Rain can I get your current account number?

utterance: Four four one two three three sixty-seven.

utterance: Four four one two three three six seven?

utterance: Yes.

utterance: All right Mia Rain and can I get your date of birth please?

utterance: Yes it is seven twenty-one nineteen eighty-six.

utterance: And your last four digits of your security number?

utterance: Three three two seven.

utterance: All right Mia Rain it looks here like you do have a standard account with us. And you are eligible for some of our other accounts that have better benefits and better interest rates. Like we have a a a savings account. I see that you've been with us and you've kept your balance up for your entire time with us. And so is you're you're eligible for a savings account that has three percent interest rate. Does that sound interesting to you?

utterance: not really.

utterance: Oh OK well let's see what else we have here. we have another account that we can. That helps you build your portfolio and has great returns. how does that sound for you?

utterance: No.

utterance: No? Well are you looking to get out of an account?

utterance: Well I don't know what I'm looking to get but I know what I'm not getting and I'm not getting what I want.

utterance: What are you not What is it that you want?

utterance: Well I just don't really feel like I want to answer that question.

utterance: no I'm just trying to help you if you could You don't have to get me that information that's OK. let me see here. Wouldn't it. We do have other benefits to offer if you'd like to hear about them?

utterance: Well can you just hold on a minute?

utterance: Sure!

utterance: Thank you. OK what?

utterance: we do have other benefits to offer you. If you'd like to hear them out?

utterance: no.

utterance: No? Just gonna close your account today?

utterance: Yeah.

utterance: Mhm.

utterance: All right so I see here. We're gonna close out the account. Would you like a check mailed to you or would you like to come in and pick up your your cash in person?

utterance: Well where would I have to go if I wanna pick it up in person?

utterance: You could go to any location. We have several near you. Are you still staying at the same address? . No? What's your address?

utterance: No.

utterance: My address is fourteen seventy-nine Peacock Boulevard.

utterance: All right I see here we have a very convenient close location that's only ten miles from you.

utterance: Oh do you know what's near it? Are you able to let me know what's near that location?

utterance: yeah I see there's a Chipotle and a Target near it.

utterance: Oh OK that sounds like it could be a good day for me.

utterance: Do you think. Yeah? Do you like Target?

utterance: Well I really like Chipotle. I like to eat Chipotle burritos while I'm at Target. So it's really it would be doing everything.

utterance: You know that's that's funny you say that because we do offer a card that has benefits. Or an account that has benefits until you get free Chipotle every other month.

utterance: Wow! Wow!

utterance: Would you like to get more information on it?

utterance: Oh.

utterance: Mm. You just. You know. You know what to do to make me stay don't you? But it's still gonna be a no from me. I'm gonna close my account and I'm gonna I'm gonna close it right now while we're on the phone and I'll go into the in-person location to get my money from my closed account. And then I'm gonna go eat a burrito while I'm at Target.

utterance: OK that's good. Sounds like a wonderful day. I wish I could be there.

utterance: Do you want to meet me

utterance: There?

utterance: I would love to but I am in Hawaii!

utterance: Oh lucky ducky! OK.

utterance: I'm in a on a work-release program so they got me in Hawaii.

utterance: Ooh good job!

utterance: Yeah!

utterance: Cool!

utterance: so OK. Well I'm gonna transfer this information to that location and

utterance: And you closed it?

utterance: I it's closed yeah and you can just walk in and and tell them.

utterance: OK Great.

utterance: OK bye!

utterance: Bye.


utterance: Hello. My name is William Brown. I'm the owner of Billy's Bakery and I need to set up a business checking account.

utterance: I can help you with that. We have two business checking accounts. Intellibank Business Total Checking and Intellibank Business Preferred Checking. Are you familiar with them?

utterance: yeah. I would like the Total Checking.

utterance: Excellent choice. Before we start, I just need to advise you that your account will be insured up for to two hundred fifty thousand dollars by the FDIC and if your balance drops below a hundred dollars at any point during the month, you will incur a ten dollar fee. Do you have any questions for me before we set up your new account?

utterance: yeah. Can I do my banking online?

utterance: Yes, Intellibank offers a variety of online services including business account access. If you'd like, I can help you set up online access to your bank account.

utterance: I think I can handle it, but is there a number I can call if I need assistance?

utterance: Yes, call one eight hundred three four three six three eight four and press seven for web services. Again, that's one eight hundred three four three six three eight four.

utterance: OK.

utterance: I see that you already have a business credit card account. We also have a business savings account with a very competitive interest rate. You're allowed six withdrawals for free each month. Would you like to know more about it after we set up your checking account for Billy's Bakery?

utterance: No, I would just like to focus on the Business Checking Account for today.

utterance: OK, we can handle that. May I have your first name please?

utterance: William.

utterance: And your last name?

utterance: Brown.

utterance: Thank you. And your street address?

utterance: Five eight three West Street.

utterance: And your city?

utterance: Winslow.

utterance: And that's W I N S L O W?

utterance: Correct.

utterance: Thank you. The state?

utterance: Arizona.

utterance: And ZIP code.

utterance: eight six zero four seven.

utterance: Thank you. And your social security number.

utterance: zero four zero three nine two one two seven.

utterance: And that's zero four zero three nine two one two seven?

utterance: Yeah.

utterance: Thank you. And may I have your driver's license number?

utterance: OK. B nine six five seven four five six eight nine.

utterance: And that's B as in boy, nine six five seven four five six eight nine?

utterance: Right.

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

utterance: Arizona.

utterance: Thank you. And may your PIN number?

utterance: Four eight six three.

utterance: May I have your email address?

utterance: Billy at B bakery dot com. That's B bakery, just the letter B. not B E.

utterance: Thank you.

utterance: Thank you. Very good. And the name of your business?

utterance: Billy's Bakery.

utterance: And that's B I L L Y apostrophe S?

utterance: Yup.

utterance: Thank you, wonderful name. Are you the sole owner of Billy's Bakery?

utterance: Yes I am.

utterance: Thank you. What date was your business established?

utterance: September twenty-second two thousand twenty-one.

utterance: Thank you. And may I ask the annual gross sales for your bakery?

utterance: About forty-two thousand.

utterance: Thank you. Your business tax ID?

utterance: Eight four six nine six five eight nine five.

utterance: OK. To confirm, that was eight four six nine six five eight nine five.

utterance: That's right.

utterance: And the business street address?

utterance: Two three eight one Maine Street.

utterance: Is that also in Winslow, Arizona?

utterance: yes.

utterance: Thank you. And the ZIP code?

utterance: Eight six zero four seven.

utterance: Thank you. Where would you like your mail sent?

utterance: the business address. Two three eight one Maine Street.

utterance: In Winslow, Arizona.

utterance: Right.

utterance: eight six oh four seven.

utterance: Yes.

utterance: Thank you. And to confirm the type of checking account you would like?

utterance: Intellibank Business Complete Checking.

utterance: Did you mean Intellibank Business Total Checking?

utterance: sorry. Yes total checking.

utterance: OK, very good. And what would you like the initial balance of your account to be?

utterance: Twenty-two thousand five hundred.

utterance: Thank you. And what's the bank account. What's the number for the bank account that the funds should come out of?

utterance: four five nine eight two one six four eight seven.

utterance: OK, let me confirm that. Four five nine eight two one six four eight seven?

utterance: Right.

utterance: Thank you. And now I need the routing number for that bank account.

utterance: lemme see if I can find that. OK. yeah. oh OK. Here's OK, that's the check number, that's the account number, so this must be the routing number. OK, good. four five eight seven two six four five nine.

utterance: OK, let me confirm. The routing number for that account is four five eight seven two six four five nine.

utterance: That's right.

utterance: OK, perfect. That's everything I need to set up your new business checking account. Your new checks should be mailed out to you in a few days. Is there anything else that I can assist you with today, sir?

utterance: I'm all set. thank you for your help.

utterance: Alright, you have a wonderful day, sir, and thank you for calling Intellibank.


utterance: Hello and thank you for calling Intellibank, this is Phillip how are you on this fine afternoon?

utterance: Phillip, thank you for asking. Do you have time to talk a little bit about about things unrelated to my banking situation or should we get right to business?

utterance: No I am here to help you in anyway possible.

utterance: OK. Well on my way into my office to make this call I tripped Phillip I tripped and I fell and I dropped my box of pancakes Phillip, are you there?

utterance: Oh no I am very very sorry to hear that.

utterance: That's what I said to the pancakes when they fell to the ground. so that's how my day's going.

utterance: Well I am I unfortunately cannot do anything about the pancakes.

utterance: Well you know what I can do?

utterance: What is that?

utterance: I can still eat them.

utterance: Oh, yeah go right ahead.

utterance: You think so?

utterance: I feel like there's nothing wrong with that.

utterance: Would you eat your pancakes if you dropped them on the ground?

utterance: I'd probably take that on a pancake by pancake basis.

utterance: Like how how dusty or hairy.

utterance: Yeah.

utterance: They were all stuff.

utterance: I probably wouldn't eat them to be honest.

utterance: Oh OK I'll think about that later and just a real quick while I still have you on the phone I need some support with my business.

utterance: OK would you what what's going on with your business what what kind of support do you need?

utterance: Yeah.

utterance: Well that's that's kinda what I was calling to see about. I've been with Inte Bank for a long time.

utterance: Oh this is actually Intellibank.

utterance: Right, that's what I meant Intellibank. I've been banking with you for about twenty-five years.

utterance: Oh OK.

utterance: For my my business and

utterance: Well thank you for being a customer for that long.

utterance: Well thank you. I've always had everything I needed provided to me through banking with you at Intellibank right, that's right Intellibank.

utterance: Yes, Intellibank yes.

utterance: And

utterance: Thank you. So now I'm just kinda wondering you know what the options are for someone like me with a small business that just needs a little bit of extra support?

utterance: Well we could open up a real estate loan if you'd like to apply?

utterance: What would that entail?

utterance: Well we just need to get your security information here.

utterance: And then we'll have a result for you in two to three business days.

utterance: OK yeah that's that's sounds great.

utterance: Great.

utterance: And would you like to apply for the maximum of a hundred thousand dollars?

utterance: Yes.

utterance: Great.

utterance: Then I'm just gonna need you to confirm your first and last name that you have on file?

utterance: OK and I didn't give you that information yet, I I thought I did.

utterance: No we were so focused on the pancakes. that we never got down to the actual nitty-gritty.

utterance: Right.

utterance: OK. That's right I'm sorry, I'm so sorry. My name is Amanda Martinez.

utterance: Alright and I'm gonna need the last four of your social security number?

utterance: OK that's gonna be six three one three.

utterance: and I'm going to need your date of birth?

utterance: My date of birth June third, eighty-one.

utterance: Alright my systems just loading here I'm gonna need just a minute.

utterance: How's your day going for you other than the pancakes?

utterance: I take my pancakes really seriously.

utterance: Oh I'm sorry to hear that. Were these homemade?

utterance: They absolutely were homemade they were absolutely homemade. My sister-in-law makes those pancakes every morning and my day only goes right if I'm able to eat all thirteen pancakes in the stack. so I'm not I'm not sure where this day's gonna be heading but I'm not really looking much forward cause I know it's not gonna go well.

utterance: None of this has happened for me.

utterance: Oh.

utterance: Well I'm so sorry to hear that.

utterance: Thank you.

utterance: The good news is.

utterance: Yes.

utterance: I just need to get you to answer your security question.

utterance: OK.

utterance: And then we'll be able to process that loan.

utterance: OK and you know what when when you said the good news is it really gave me some hope and I decided I'm just gonna eat the pancakes anyways.

utterance: Oh that's fantastic.

utterance: Thank you.

utterance: what is your mother's maiden name?

utterance: Cintrel.

utterance: Alright great, well that is all I need from you.

utterance: Oh perfect.

utterance: Your application is processing.

utterance: Mhm.

utterance: And we will let you know and three two to three business days.

utterance: Alright then.

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

utterance: So Long.

utterance: Bye.


utterance: Thank you for calling Intellibank, this is Charles. How may I be of service to you today?

utterance: Yes Charles, I would like to check my credit card balance. I know that's due and I really today want to apply for a real estate loan.

utterance: OK that shouldn't be a problem at all. let's go ahead and start by pulling up your account. I'm gonna need to get your full first and last name as it appears on your account.

utterance: It's Evan Lexington Zener.

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

utterance: November fourteenth nineteen eighty.

utterance: And your four digit security PIN?

utterance: Eighty-six eighty-six.

utterance: And what is your six digit bank account number?

utterance: Nine two four one one seven.

utterance: All right I have your account pulled up here. So in order to check your credit card balance I am going to need your sixteen digit account number that appears on the card.

utterance: That is seven six one four eight zero eight six seven two nine six three four one nine.

utterance: And the three digit security code on the back of your card?

utterance: Two two seven.

utterance: All right. So it looks like the balance due on this card is three thousand two hundred fifty-eight dollars and twenty-three cents. let's go ahead and start that loan application, what'd you say?

utterance: Yeah let's do that.

utterance: All right So I'm going to need quite a bit of information from you for this, starting with your social security number.

utterance: OK that is eight zero six six zero three nine four four.

utterance: And I need a state-issued ID or driver's license number.

utterance: Driver's license is A as in apple four two nine three six zero eight.

utterance: And I'm going to need your business's tax ID number.

utterance: The tax ID eight four one one seven six three two three.

utterance: Great thank you for that and what is the email address that we have on file for you?

utterance: It's Z man cometh at Yahoo dot com.

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

utterance: Z Man Cometh Incorporated.

utterance: And are you the sole owner?

utterance: My wife and myself.

utterance: And what is her name?

utterance: Leanora Zener.

utterance: And what is the date that your business was established?

utterance: January first two thousand one.

utterance: And what are your gross annual sales?

utterance: Nine hundred fifty thousand dollars.

utterance: And I'm going to need the address of the property of that you are looking to get the loan for?

utterance: Sure that's twenty-one Dayton Boulevard in Dayton, Ohio one zero one three five.

utterance: All right Sorry, I just need you to hold a moment here while my system loads.

utterance: OK.

utterance: How's your day going?

utterance: Decent just excited to kind of get this loan and lock down some property.

utterance: Completely understand, here's hoping. OK one last thing I'm going to need here before I can put in this application and that is the loan amount?

utterance: OK I'm looking to take out nine hundred and seventy-five thousand dollars.

utterance: All right nine hundred and seventy-five thousand. Great so due to this amount I cannot give you an answer today but you will receive an answer via email or a letter sent to your address, whichever your preferred delivery method is, in seven to ten business days.

utterance: OK fingers crossed.

utterance: And how would you like that sent?

utterance: You can send it by mail.

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

utterance: That'll do it.

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

utterance: You as well.

utterance: Thank you.


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

utterance: Yes, hello. I'm calling to request an investment report on my Intel bank account. Could you help me with that please?

utterance: All right sir, you want your investment report for your Intellibank account?

utterance: Oh yes.

utterance: All right sir.

utterance: I certainly can help you with that, but first I need to get a little information from you so that I can send it out to the right person.

utterance: All right.

utterance: All right. first of all I would need your first name sir.

utterance: Yes, my first name is Gabriel.

utterance: All right Gabriel. And could I have your last name as well?

utterance: Yes.

utterance: Yes, last name is Robinson.

utterance: All right, so I have Gabriel Robinson. Is that spelled G A B R I E L?

utterance: Yes it is.

utterance: All right, thank you so much Mr. Robinson. Birth please.

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

utterance: And my social security number just in case you need it, is nine one five six six seven zero three nine.

utterance: Oh thank you so much Mr. Robinson. That date of birth was ten twenty-four, nineteen seventy-four?

utterance: Yes.

utterance: OK. And I also put down that social just in case.

utterance: And could I get your customer PIN please?

utterance: Yes, my customer PIN is four four nine five, four nine.

utterance: All right, again that number was four four nine, five four nine?

utterance: Yes.

utterance: OK, thank you so much sir.

utterance: And for authentication purposes could I go ahead and get that account number as well?

utterance: yes, could you hold on for a second please, I need to find that.

utterance: All right sir, certainly can.

utterance: All right. Hold on one second.

utterance: all right, I found it. The account number is, four zero nine five five two three, one five seven.

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

utterance: Yes.

utterance: All right thank you so much Mr. Robinson, just give me one moment while I put in the information, so I can get that report set up for you.

utterance: OK.

utterance: OK, so how is your day going at your job so far? Is it hard there, or easy work right now?

utterance: Oh well sir it's just as easy as I can make it. it really requires a certain amount of expertise and an understanding of my clients to make sure that I can get them to the right information.

utterance: OK well you doing a good job.

utterance: Oh, thank you so much sir. I actually really enjoy working here.

utterance: Oh wow well, it's not everyday you can find someone that really enjoy they job like that.

utterance: I bet it's not sir. OK sir, I also would need to know exactly how you would want this report delivered. Would you like this paper or paperless?

utterance: I always like paper.

utterance: OK, so you want us to send this out to your address on file here?

utterance: yes, if that's, if that's OK.

utterance: OK sir, I can certainly do that.

utterance: Right.

utterance: OK. OK sir we normally go ahead and send this report out to you every three months free of charge, so you actually don't normally have to call to check this report, so if you wanted to wait you can actually just get this report every three months, but we'll go ahead and send this out to you at your discretion right now.

utterance: OK. OK, and you're gonna send this out, telling me I get it every three months?

utterance: Yes sir, you certainly do.

utterance: All right, sounds good to me.

utterance: OK.

utterance: Would you like any other investment reports do you need them sent to multiple email addresses or mailing addresses?

utterance: no, not at this time.

utterance: OK sir. I can certainly get that information put into our system. That report should be out to you within the next two to three business days.

utterance: OK. Two to three business days?

utterance: Absolutely sir.

utterance: OK.

utterance: All right sir.

utterance: I appreciate it.

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

utterance: no, not at this time.

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

utterance: You too, thank you.

utterance: Thank you as well, bye bye.

utterance: bye.


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

utterance: Melody, it's Tom Parker. How are you?

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

utterance: Good. I've been banking with you guys for you know who knows how long and I really love it. I love banking with Intellibank just need to get a couple things today. I've got a personal loan there and I just wanted to get the loan statement if you could.

utterance: Sure sir. may I please have your first name?

utterance: Yeah. I'm Tom Parker. I already said it.

utterance: Yeah Tom. Last name Parker. OK Mr. Parker. May I please have your date of birth?

utterance: Oh yeah. It's ten five eighty-two.

utterance: Perfect. And may I have your the last four digits of your social security number please?

utterance: Mhm.

utterance: Certainly can. Three four three eight.

utterance: Three four three eight.

utterance: Look, I'm sorry. Can I put you on hold? I got another call coming.

utterance: sure sir. Absolutely.

utterance: OK. I'm Hold on.

utterance: OK.

utterance: All right. Tom Parker's back. So sorry about that. What did you need?

utterance: No problem Mr. Parker. I believe I need your your customer number. Your customer PIN. I'm sorry.

utterance: Oh yeah. Three three five three.

utterance: Three three five three.

utterance: That's correct.

utterance: Excellent. And may I please have your account number?

utterance: One zero two nine six five eight.

utterance: One zero two nine six five eight.

utterance: Perfect. And your routing number please?

utterance: Nine nine one two five.

utterance: Great!

utterance: And what was it that you needed again sir?

utterance: Oh I need to just get my loan statement real quick. The most recent one. See where I'm at here.

utterance: OK sir. I can go ahead and get that to you. I can either send that to your mailing address or I can send it to your email or both.

utterance: Email's fine. Tom Parker at Yahoo dot com.

utterance: Tom Parker at Yahoo dot com. Excellent.

utterance: I'll go ahead and send that email on over for you sir. Just be sure to check your spam.

utterance: And and sometimes it can take up to twenty-four hours to receive that email OK?

utterance: OK. For sure then.

utterance: And just for future references, if you sign up for mobile banking you'll be able to access the that statement on your own at any time.

utterance: Fantastic.

utterance: No problem at all sir. Is there anything else that I may be able to assist you with today?

utterance: One more thing. Just run a credit report for me.

utterance: Where's my credit at? Good, bad, fair, poor?

utterance: OK. Let me go ahead and pull that up. Let's see.

utterance: I see did I see here that we're showing your credit as at six ninety.

utterance: Oh. All right.

utterance: So close to seven hundred. All right.

utterance: So close to seven hundred.

utterance: What we what we can do is we can send some tips in there for you. that way that we can boost your credit. If you do the Experian credit boost it should be able to get you up in ten points within two weeks.

utterance: OK. Oh yeah. give that a shot.

utterance: Yeah. Yeah. That's always that's always a good hack that I tell people to do.

utterance: Mm.

utterance: All righty Now Tom was there anything else that I may be able to assist you with today?

utterance: No. That should be it.

utterance: OK. Well again take a look keep a lookout for that email sir because again sometimes it goes to the spam folder but you will be receiving it within those twenty-four hours OK?

utterance: OK. Absolutely.

utterance: Excellent. and if there's nothing else that I may be able to assist you with today Tom Thank you so very much for being a loyal customer and thank you for calling Intellibank. You have a lovely evening and take care sir.

utterance: OK. You take care as well. Thank you so much.

utterance: Thank you sir. Have a goodbye.


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

utterance: Yes, I'm wanting to schedule a payment for my loan please.

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. Please call me Jill.

utterance: All right, so we are scheduling a loan payment for you today, correct?

utterance: Yes, that's right.

utterance: All right Jill, so I can recommend our automatic account payments for you that's where we basically set up your account so that your payments draft every month on the due date. This way you don't have to worry about going in and manually making your payment. Would that be something that you would be interested in?

utterance: I don't really think I want to do that now, but but maybe eventually. Is that. Is that possible?

utterance: Yeah, no problem Jill. I can take the payment from you over the phone today. I just need to get some information. What is your account number?

utterance: Can you hold on just a second while I look that up. Give me just one second please. It's. Oh, OK. It's three four six zero two nine nine eight is the account number.

utterance: OK Jill. And what is the name of the business?

utterance: Yeah, that's Jill Finn Controls.

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

utterance: Yeah, that's March second of nineteen eighty is my date of birth.

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

utterance: Yeah that'd be six three nine zero.

utterance: All right Jill. it looks like that is not the correct PIN Jill. Would you like to try again?

utterance: So, is it the last four of my Social? Is it eight five nine zero?

utterance: No, no Jill. That is also not correct.

utterance: OK, well then I don't know what it is, so what do I need to do?

utterance: Unfortunately I'm not able to share that loan information or take your payment over the phone without verifying the security question. but if you want to, you can go to any Intellibank account and you can provide a valid photo ID and they should be able to help you with that or with making that payment at a bank location.

utterance: Why do I actually have to go into a bank branch to do this? This is crazy.

utterance: I understand your frustration. unfortunately though because you set that PIN number up as your security for your account, I would not be able to process it over the phone unless I can confirm that PIN with you. So if you think you might have the answer written down somewhere and you can locate that I can hold on the line for you to look that up or if you'd like to look for them and then give us a call back, we could process that transfer for you then.

utterance: I really don't think I have it written down anywhere. I mean I don't even know why I would have written in down so I'm assuming I don't have it anywhere.

utterance: I'm very very sorry Jill. I know that I wasn't able to help you today, but if you don't have that PIN, that's basically the only advice that I could give to you is that you would have to go into a valid. Take your valid photo ID and go into one of our Intellibank locations and let somebody at the actual banking location verify your identity to help you.

utterance: OK. That that's fine. So once I get there can I change my PIN while I'm there? Like if I have my valid photo ID can I change my PIN?

utterance: Yeah you can. If you. If you. You can. As long as you have your valid ID, then you should be able to show that to whoever is working that day and then they will update your account, so you can change your PIN at that point and make a payment. Did you maybe need assistance finding a banking location?

utterance: I mean yes, can you tell me like I guess. What's the closest location to where I'm at now?

utterance: Are you at your office or are you at your your home?

utterance: So right now I'm at home.

utterance: OK. So let me look real quick here. What is your home address Jill?

utterance: It's one seven nine eight Heaton Road and that's Kansas City Missouri. It's six four one seven seven.

utterance: All right, let me look this up for you, OK and I'll try to find a close location for you. OK. Give me just a second.

utterance: Are you here in Kansas city?

utterance: I am.

utterance: So is it snowing really bad where you are?

utterance: So it's not really snowing but it's cold here. But I think it's supposed to snow.

utterance: Yeah it said. They say we going to get like eight inches so it's going to be a little bit extreme I think, if we do get that much.

utterance: Oh my goodness. I I hadn't heard that we had eight inches coming. I knew that it was cold and that we're a little bit of snow, but eight inches? That's quite a bit.

utterance: Oh yeah, it is. I mean I It wouldn't bother me if I didn't have to work or anything. But having to drive in it's just a. Just a mess. I know.

utterance: Yeah. Well hopefully hopefully we don't get that much or if we do, that it clears out really fast. Jill, I did find that location for you. A close location for you. It looks like the Eniac Road location, that's seven one seven one Eniac Road in Kansas City Missouri. it looks like that's the closest location for you.

utterance: OK. I I'm pretty sure I know where that's at.

utterance: OK. Did you want me to possibly like give you that phone number as well, so you could call them ahead of time? or or was there any other additional information I could help you with today?

utterance: I don't really know that I need the phone number. so I think that's everything. I just take my driver's license in there today and then then that's all I need for them to verify my account and get everything set up for me then, right?

utterance: Right, that's right. So you just have to have a valid photo ID, so your driver's license would be fine when you go in there. Then they should be able to pull your account. Obviously need to let them know you need to change your PIN and also make that payment.

utterance: OK, thank you so much. I apologize for not having the proper information.

utterance: It's no problem at all Jill. and thank you for choosing Intellibank. I'm sorry I wasn't able to help you today, but hopefully at that banking branch they'll be able to get that worked out for you. You have a good day.


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

utterance: Yes sorry I was wondering if the bank could send me the investment report for my business?

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

utterance: All right Jill, so you are a business owner, and you're wanting to get an investment report for your business, is that correct?

utterance: Yes that's correct.

utterance: OK, and are you currently an Intellibank customer?

utterance: I am, I have all of my accounts with you guys.

utterance: OK, lemme get some information from you. What is your account number?

utterance: It's three four six, zero two, nine nine eight.

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

utterance: It's Johnson Controls.

utterance: And what is your date of birth?

utterance: It's March March second, nineteen eighty-two.

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

utterance: Yes, so it's six four seven eight. But can you kind of explain to me then what the investment report covers, I mean I know what it is, I've had it done in the past. I just I just need to know what it covers basically.

utterance: Yeah, so an investment report is a fair representation of the investments made, the results achieved, the risk taken, and the cost incurred by your business. and the report is used to analyze the performance of your business investments.

utterance: Does it cost anything for the report?

utterance: No, so Intellibank provides a free investment report to its customers every three months, so there's no charge as long as you're within that time frame. And I can check for you, give me just a second here and I'll see when the last one you got was. Yeah, it looks like that was about nine months ago that you got your last investment report. So you're definitely within your your reason to get that free report today.

utterance: OK, could you tell me what it'll, what it includes like. I know you said it doesn't cost anything but what does it include?

utterance: So the investment report includes charts and tables to help you review your capital gains, the diversity of your portfolio, your net worth, and the return of your investments. and again it's free to our customers, you've had one in the past, it looks like. You had one about nine months ago, were you did you get a chance to review over that one when that one was sent to you?

utterance: No, so the last one that we needed actually went to my accountant. And I think I'll actually have you this one to my accountant as well if possible, I don't think I even looked at it when I sent it to him last time so I'd like to get a copy of it as well.

utterance: OK. give me just a moment, OK. I'm gonna get that report ran for you. so you wanted that email to you and also to your accountant is that correct?

utterance: Yeah can you email it to both of us?

utterance: Yeah I can do that. Can you confirm your email address with me?

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

utterance: All right, thank you for that. And what about your accountant's email?

utterance: So his is Bob, B O B dot ding, D I N G and it's at Robert's accounting dot com. So that's one word, Robert's accounting.

utterance: All right, give me just a second OK, I'm gonna get this report ran for you all right?

utterance: OK, have you been outside today?

utterance: I have not, it's I've been here since seven a.m. so I haven't been been outside since I came in this morning.

utterance: It's really nice outside, it's like a really really beautiful day.

utterance: Yeah I've heard that it was really gonna be a great day today. I'm actually getting off in about an hour here and I'm thinking about going for a bike ride. I haven't been for a while, it's been so cold so. Seems like a perfect day to get out and get that done.

utterance: Oh do you bike?

utterance: I do, me and my boyfriend both we we like to we like to bike. We have some Schwinns and just like to get out and maybe get just stay active basically but bike riding is kind of our favorite thing, it's just a nice little outlet for us.

utterance: Me and my husband bike as well, actually we do like competitive biking. we've do some marathons and some things like that but yeah we we definitely like it. There's a group here in Ken City, you should definitely check it out if you're if you're into biking there's the Kansas City bikes group, and it's We literally meet and just go in some different terrains, for mountain biking and things like that. If that's something that interests you, you should check it out.

utterance: I actually, actually had heard about that. a few years ago, my husband and I did a relay race with you guys. A biking relay race. and it was a really good time but we just we both have really busy schedules and we tend to not have a lot of extra time outside of that to go join those kind of things. But it's definitely something I would like to check out and do again if I can get some more free time.

utterance: Yeah you should definitely do it, we have a really good time together. People really enjoy each other.

utterance: Well, Jill, I appreciate all that information, and I have that report completed for you. So what I'm going to do now is I'm gonna email that over to you and your accountant. I do want to let you know too that you actually have the ability to access these reports online as well. if you go if you have access to online banking you can actually request those reports through our email portal in the online banking center. So if there's ever anytime you want a an investment report, or you want an income to debt ratio, any of those things, even a credit report. We can you can make that request through the Intellibank portal. And it usually comes with you within twenty-four hours, if not sooner.

utterance: Oh my goodness, I don't even know anything about that, but that's great I'm sorry I've bothered you with it then today, if I could have done the request myself.

utterance: No no, it's no problem at all. anytime you want anything done if you're not able to access that on a portal or if you just have trouble figuring it out, just give us a call back. We'd be more than happy to do it for you anytime. Jill I have all that sent to you guys. Was there anything else I can do to help you out today?

utterance: No, that you've been really great, I appreciate it.

utterance: All right Jill I just want to thank you for choosing Intellibank and you have a great day.


utterance: Hi. Thank you for calling Intellibank. My name is Mariah. How may I assist you today?

utterance: Hey Mariah. I'm calling because I was looking to maybe borrow some money.

utterance: I need to purchase some equipment for my business and I was looking maybe for a loan where no collateral is needed.

utterance: All right ma'am. Was this a term loan you were referring to maybe?

utterance: Oh yeah yeah that sounds great.

utterance: All right ma'am. Let me get some information from you so we can fill out this application. May I have your name please?

utterance: sure. This is Callie C A L L I E and my last name is Childers C H I L D E R S.

utterance: Thank you Ms. Childers. I have your last name as C H I L D E R S.

utterance: Yes ma'am.

utterance: Thank you and may I have your the customer address which is your home address.

utterance: sure. My home address is three five seven eight Agriculture Lane and that is in Miami, Florida. Three three one four four.

utterance: Thank you Ms. Childers. I have your address as three five seven eight Agriculture Lane in Miami Florida. Three three one four four.

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

utterance: Thank you so much and may I have your social security number please?

utterance: sure. My social is seven seven two four four four seven one seven.

utterance: Thank you. I have your social as seven seven two four four four seven one seven.

utterance: Yes ma'am.

utterance: Thank you and may I have your driver's license number please?

utterance: sure, my license is C four zero zero nine one one nine two seven.

utterance: Thank you. I have that as C as in Charlie four zero zero nine one one nine two seven.

utterance: Yes ma'am.

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

utterance: it's a Florida license.

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

utterance: Oh sure. now is that same PIN number for the rest of my accounts?

utterance: Yes ma'am.

utterance: All right. that is seven five seven four six five eight nine.

utterance: Thank you and may I have your email address please?

utterance: sure my email is C dot Childers at Gmail dot com.

utterance: Thank you. I have C dot Childers at Gmail dot com.

utterance: Yes ma'am.

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

utterance: sure. My business name is Great American Music.

utterance: Thank you so much and are you the sole owner of this business?

utterance: Yes ma'am. I sure am.

utterance: Thank you and what date was your business established?

utterance: Oh April the eleventh two thousand eighteen.

utterance: All right. April the eleventh two thousand eighteen.

utterance: Yes ma'am.

utterance: Thank you and what are your gross annual sales?

utterance: our gross annual sales are one point two million.

utterance: Thank you so much and Ms. Childers, may I please have your tax ID number?

utterance: Oh sure, my tax ID is seven three four four four six nine five three.

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

utterance: Yes ma'am.

utterance: Thank you so much and may I please have your business address?

utterance: Oh sure. my business address is sixteen eighty-seven Oak Drive in Miami Florida and that ZIP code is three three one four two.

utterance: Thank you. So I have your business address as one six eight seven Oak Drive and that's also in Miami Florida and the ZIP code is three three one four two.

utterance: Yes ma'am.

utterance: Thank you so much. and we also need a mailing address for you. That can either be your home address or your business address.

utterance: let's go ahead and use my home address.

utterance: All right ma'am and that was the three five seven eight Agriculture Lane, Miami Florida. Three three one four four.

utterance: Yes ma'am.

utterance: Thank you and what would you like the loan amount to be?

utterance: we're needing fifty thousand dollars.

utterance: All right ma'am and do you said the purpose for this loan will be to purchase some equipment?

utterance: Yes ma'am. That's correct.

utterance: Thank you and what would you like the loan term to be?

utterance: we're thinking about five years.

utterance: All right so five years.

utterance: Yes ma'am and also I know I do need to send in my business documentation and if it's OK, I would like to email that to you but I do need that email address.

utterance: All right ma'am and yes it's it's perfectly fine to email that to us and the email address you need to send that to would be loans at Intellibank dot com.

utterance: All right so loans at Intellibank dot com?

utterance: Yes ma'am that is correct and now just make sure and send in your support business documentation and we will get back to you with the result of your application just as soon as possible OK.

utterance: OK Maria, that's that sounds great and also I was needing to see if I can get oh my goodness. The name of it has completely slipped my mind right now but it's like the bills to income percentage.

utterance: All right ma'am, were you speaking of the debt to income ratio?

utterance: Yeah oh yes ma'am that is correct.

utterance: Well I'd be more than happy to look into that for you Ms. Childers. Now this is for you, for Callie Childers correct?

utterance: Yes ma'am.

utterance: Thank you and may I have your date of birth Ms. Childers?

utterance: sure my date of birth is April the eleventh, nineteen eighty-nine.

utterance: All right. Thank you ma'am and may I have that PIN number once again please.

utterance: Sure, the PIN was seven five seven four six five eight nine.

utterance: Thank you and what time period would like the debt to income ratio for?

utterance: for the past two quarters please.

utterance: All right, gimme just one moment please.

utterance: All right. I'm showing for the past two quarters.

utterance: Your business has a debt to income ratio of sixteen percent.

utterance: Oh OK great, sixteen percent.

utterance: That is correct.

utterance: All right, well thank you so much for you help today Maria.

utterance: Well thank you so much Ms. Childers. Was there anything else I can assist you with?

utterance: No ma'am, that is all. Thank you.

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


utterance: Hi this is Dani Brooks at Intellibank, can I help you with anything today?

utterance: Hi my name's Raymond.

utterance: Hi Raymond.

utterance: So the reason for my call is because I I spoke to a financial advisor a few months ago, I forget his name. Maybe it was like it was like Martini or I think his name was Martini. It might have been Martinez. I was calling him Martini. He he didn't correct me, he was .

utterance: Oh, I think

utterance: Oh I think you're speaking about Martine Davis.

utterance: Oh.

utterance: So his names not Martini?

utterance: No, it's Martine.

utterance: I I'm gonna continue calling him Martini because it it suits him, it suits him. But I was hoping to get in contact with Martini again because yeah, Martini gave me just some really good guidance last time we spoke. And I I dunno I'm I'm new with you with with Intellibank, I've been with you for six months.

utterance: But he gave me some really good guidance and, I mean I have my personal checking savings account, but now I'm looking into opening up a business account and I'd love to see what Martine has to say.

utterance: OK I mean I definitely can help you get scheduled with him. Can I first start by getting your first name and last name, and your date of birth?

utterance: Yeah yeah yeah, absolutely. So, Raymond is my first name and Rock is my last name.

utterance: And is that R O C K?

utterance: Yes.

utterance: OK, great and your date of birth?

utterance: Date of birth is twelve five one.

utterance: December fifth nineteen one?

utterance: That's it.

utterance: OK I'm gonna pull up your account, can I get your credit card number please?

utterance: Sure hold on I have it my jacket, just give me one second.

utterance: Of course.

utterance: All right so it's three four seven nine four four eight five nine nine five nine four four two five.

utterance: OK and just to verify that was three four seven nine four four eight five nine nine five nine four four two five?

utterance: Yes.

utterance: OK great.

utterance: So I'm gonna pull up your account, before we go any further I just need to verify some information for the security of your account.

utterance: Sure.

utterance: Can I get your PIN?

utterance: Yeah, PIN is one nine four three.

utterance: One nine four three, OK great. And can I also have the last four digits of your social?

utterance: Yeah, that's five zero three one.

utterance: Five zero three one. OK great, and so now I'm just going to ask you a few security questions.

utterance: What is your favorite book?

utterance: Oh my favorite book I really really like I really love you know I I think I had I had the first Harry Potter book written down for this one. you know Harry Potter? Yes. And you know, I'm more of like you know a Slytherin myself. Like what what house would you be in?

utterance: OK so.

utterance: Yep, Harry Potter. OK.

utterance: Oh my. I actually haven't read the books so I'm not sure.

utterance: No.

utterance: OK. OK well you sound like a like a Gryffindor over the phone but like that's that's you know.

utterance: OK.

utterance: I'll have to check the books out and read more into that.

utterance: Yeah.

utterance: Yeah definitely.

utterance: so what what state were you born in?

utterance: I was born in New Mexico.

utterance: New Mexico.

utterance: OK great so I'm pulling up your account right now I have your information in front of me let me open the scheduler, you wanted to speak with one of our financial advisors?

utterance: Yeah with Martini.

utterance: Martini, OK let me check his availability.

utterance: So it looks like he's booked up until Wednesday does Wednesday work for you?

utterance: Yeah I'll I'll wait till Wednesday.

utterance: OK and so.

utterance: Mm.

utterance: Martini's worth it.

utterance: I'm sure he'll be happy to speak to you again. so he does have availability at twelve p.m. and at one thirty p.m., do either of those work?

utterance: Let's do one thirty I feel like at twelve he'll be kind of hungry, I don't want to catch him on an empty stomach you know. Hungry Martini is not that fun so let's.

utterance: OK so I'm putting you in the system for one thirty on Wednesday.

utterance: Yes.

utterance: And would you like him to email you, give you a call or would you like to speak to him in person?

utterance: I I need to speak to him in person actually would be great.

utterance: OK great. So I have that all set up for you, so all you really need to do is show up at that time and give the front desk your ID, and let them know that you're scheduled for an appointment with Martine.

utterance: I'll be there, thank you so much for setting this up.

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

utterance: No that's it.

utterance: OK, enjoy your day.

utterance: Thank you, you too.

utterance: Thank you.


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

utterance: Hello, Michael. I'd like to open a checking account please.

utterance: All right so are you a first time Intellibank customer?

utterance: Yes I am.

utterance: Great! So I'm just gonna need to start by asking you your full name as you would like it to appear on the account.

utterance: OK before we start can I just go gather up a few things that I might need to answer some of these questions if they're gonna be coming my way?

utterance: Absolutely please take your time.

utterance: Great.

utterance: OK thank you. OK I'm back and ready.

utterance: All right and just to let you know this is a business account. That is all that we offer here at Intellibank.

utterance: Perfect.

utterance: So I'm gonna need your first and last name.

utterance: Mhm.

utterance: And then your business' name.

utterance: Ruth Christie and it's Christie's Stuffs.

utterance: All right and your email address?

utterance: Christies Stuffs at Gmail.

utterance: And your telephone number.

utterance: Three one eight eight eight two one one seven two.

utterance: And I'm gonna need your social security number.

utterance: OK it would be six two zero three two three two three two.

utterance: And I'm gonna need the number on your driver's license or state-issued ID.

utterance: D four nine eight seven six three.

utterance: And I'm gonna need your mailing address?

utterance: And that is one two one way on the lane of Candy Road and I live in the city of Oaxaca in Los Angeles California.

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

utterance: Yeah.

utterance: And what is your business' tax ID number?

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

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

utterance: Oh it was just last month. it was just last month September twenty-eighth two thousand and twenty-one.

utterance: All right. now typically I would ask you what your gross income was for last year but since you just opened.

utterance: Yeah.

utterance: what has been your gross income so far?

utterance: Last month we've made a hundred and thousand dollars.

utterance: OK and Are you interested in opening a checking account or a savings account?

utterance: I'm. I got a a letter in the mail. And it just said that I should open up an account with you. But I I was wondering if you could help me with what would be best. I thought I thought a savings account but I'm not sure.

utterance: Well if you're a new business.

utterance: Mhm.

utterance: And you're looking for an account that you could write checks out of to clients and stuff like that then a business checking account is going to be your best option.

utterance: OK great.

utterance: All right.

utterance: Have you heard of Oaxaca Los Angeles?

utterance: I have not!

utterance: have you visited California?

utterance: Never.

utterance: Oh where are you?

utterance: I am in Florida.

utterance: OK. Sunshine?

utterance: Yes beautiful.

utterance: That's nice.

utterance: OK a couple more things here. So what I'm gonna need next is I am going to need the info from your current bank where you will be transferring the funds from.

utterance: Mhm.

utterance: So first what establishment is your current bank?

utterance: Chase.

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

utterance: Six four five five five nine.

utterance: And what is the nine-digit routing number?

utterance: One two nine eight seven four three two zero.

utterance: And how much will we be transferring from your old account into your new Intellibank business checking account?

utterance: For now I think ten thousand should be good. Ten thousand dollars.

utterance: OK this will just take a second to verify.

utterance: OK.

utterance: Now finally I'm gonna need you to set up a couple of pieces of security information.

utterance: OK sure.

utterance: So first I'm gonna need you to select a four digit PIN. This will be the security PIN for when you call in the future.

utterance: How about one seven six three?

utterance: All right one seven six three it is.

utterance: Mhm.

utterance: And then finally I'm gonna need either your first pet's name your mother's maiden name or the name of the street that you grew up on.

utterance: Sunny Way.

utterance: That would be the name of the street you grew up on?

utterance: Yes.

utterance: Great. All right well you are all set. You now have a Intellibank business checking account.

utterance: You'll receive your checks and your ATM card in seven to ten business days.

utterance: Thank you.

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

utterance: No thank you.

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

utterance: Goodbye!

utterance: Bye.


utterance: Hello, thank you for calling Intellibank. This is Arnold, how can I help you today?

utterance: I'm confused, Intellibank or Intelligent Intelligent Bank?

utterance: Oh, well we are Intellibank, but we do value intelligence in our mhm service, so hopefully I can provide that for you.

utterance: I see mhm OK good.

utterance: yeah. Just I got something real quick today, it's not gonna be a big deal for you. I I wanna go paperless on my statement delivery.

utterance: OK, so you just you're still receiving it by mail and you wanna you don't want that anymore?

utterance: Yeah, that's very correct.

utterance: Mhm. Yes, I can help you out with that, absolutely. So let's get your first and last name.

utterance: Great. Oh, you want it now?

utterance: Yeah, Oh, I'm sorry. I was just typing in great.

utterance: Oh, no, no, no. it's John Witherspoon.

utterance: John Withers W I T H?

utterance: Yes, that's correct.

utterance: And John with a H or without?

utterance: with an H.

utterance: OK, I just want to make sure. Also, need your date of birth and your four digit PIN number you had previously set up with us.

utterance: previous wh- what am I, what di- what was that?

utterance: date of birth first.

utterance: Oh, October, seventeenth, nineteen sixty-five.

utterance: Ten, seventeen, six, five. Mhm

utterance: Correct.

utterance: And then yes, the PIN number.

utterance: PIN number's three, two, three, two.

utterance: Three, two, three, two. OK, yeah. Looking at your profile here, it says you have the Intellibank business total checking, and the Intellibank business preferred accounts, and you want to change the methods for pr- across the board, everything?

utterance: Yeah, that's correct.

utterance: OK, and so I'm gonna cancel the mail and then what email would you like it sent to?

utterance: Great thank you.

utterance: the email is I'm sorry, can I put you on hold for one second?

utterance: Yeah, I'll be right here.

utterance: OK, I'm sorry about that, s- son calling from college.

utterance: Oh, wow.

utterance: Asking for money obviously.

utterance: Well, hopefully he's getting a good education.

utterance: Yeah, all right, so Oh, you're asking about the email, is that right?

utterance: That's it.

utterance: All right, just simple John with a H at Yahoo dot com.

utterance: John with a H like it's spelled out John W I T H.

utterance: Yes. Correct. Mhm.

utterance: OK, Yeah.

utterance: Let me just that'll just take a second for that to process.

utterance: Great.

utterance: What college is your son going to, if I may ask?

utterance: Oh, boy. He's going to art college, which means he'll be a waiter for the next ten years.

utterance: Well, well

utterance: Makes don't know if you're too old to remember, too young to remember this, but puka shells? He- he's big into surfing, so he makes puka shell necklaces.

utterance: Oh, yes th- they sell those at by where I am in Venice Beach, California.

utterance: Yeah.

utterance: Yeah.

utterance: I'm sure, I'm sure they do, bunch of hippies over there. Anyway that's what he's doing what he does with his time.

utterance: Well, I have sent a verification email to John with a H at Yahoo dot com, if you don't see it in the next five to ten minutes, please check your spam folder, but I've officially, on your profile with us changed your delivery method to receive your statements on the second of every month, that's kind of customary for us.

utterance: Mhm.

utterance: And you'll receive your full statements for your checking accounts through that email, and just cuz you are going paperless, so want to let you know there's a number of features that you can download on the website. There's PDF files available for your credit score every three months.

utterance: Mhm.

utterance: And anything any other statements you may have, you just set up in the future. We offer, you know, business platinum, gold, and silver credit cards. also a number of different loans at the time categorizes terms, secured real estate, mhm and our small business loans, the S P A seven A and the SPA five oh four.

utterance: Wow.

utterance: I mean that is a lot.

utterance: Well, anything else I can help you with today? Or.

utterance: No, no. I'm good thanks.

utterance: All right, thank you so much calling Intellibank, and thank you for going paperless, and good luck with with with everything else, sir.

utterance: Thanks so much.

utterance: All right, bye bye.


utterance: Good Morning my name is Jamie and thank you so much for calling Intellibank. How may I assist your call today?

utterance: Jamie I'm I'm calling you today because I wanted to possibly open up an SBA seven A loan. I don't know if it's something I have to do online or I never saw the tab online but maybe come into the office or can I do it with you?

utterance: You can actually do it with me right over the phone. There there is a way of doing it online. And there is a way of doing it in the office, but let's just go ahead and doing it now if you'd like.

utterance: OK.

utterance: Yeah I prefer to do it this way that way if if there are any questions or inquiries that I have, I can get them answered immediately rather than having chat online or wait for somebody to email me back.

utterance: Absolutely, and it's actually a pretty quick process. I'm just going to be asking you for some information to upload in the system.

utterance: OK.

utterance: Just make sure you have your your driver's license number and you tax ID number.

utterance: OK.

utterance: Ok you got that?

utterance: I do.

utterance: OK great! Alright let's go ahead and get started. And.

utterance: Actually, let me give me one second I I thought I had my driver's license here. Let me go grab that right quick. Alright, we got it.

utterance: OK no problem.

utterance: OK great and what is the name for the for you and for the loan?

utterance: Let me see I have to get my driver's license just so I can know what my name is. My name is Jorden Baker B A K E R.

utterance: OK.

utterance: All right, and Jorden J O R D E N?

utterance: D A N.

utterance: D A N I'm you know what that's what I meant. Sorry for what ever came out of my mouth. OK great and I will need your home address.

utterance: My address is three one one seven Astoria Lane. Los Angeles, California nine zero zero zero eight.

utterance: Great Alright and your social security number please?

utterance: Nine four six eight nine seven four two nine five.

utterance: And your driver's license number please?

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

utterance: Great and your email address please?

utterance: My email address is J B at me dot com.

utterance: OK at me dot com. Great and Jordan are you the sole owner of the business?

utterance: I am yes.

utterance: Ok and when did you establish your business?

utterance: we this was established twenty sixteen.

utterance: Twenty sixteen OK great.

utterance: April.

utterance: Oh you even have the month. OK April twenty sixteen. Alright and your gross annual sales? You can either use two thousand twenty or two thousand nineteen.

utterance: In twenty twenty we did right above two hundred and fifty-three thousand.

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

utterance: my tax ID number is four six seven eight four three nine four eight nine.

utterance: Nine four eight nine. OK, very good. And the address for your business?

utterance: Yeah.

utterance: Alright ME is located at four four five nine.

utterance: hum.

utterance: Elms Street. and that.

utterance: E.

utterance: E L M?

utterance: Yes E L M. Just like the tree.

utterance: Just like. OK.

utterance: OK.

utterance: or the wood whatever and that's Los Angeles, California nine zero six zero three.

utterance: OK very good. Mailing address the same as your business address?

utterance: Yes yes those two addresses are the same.

utterance: OK Next I'll be asking you how much you'd like to take out on the loan. And how long you'd like to have the loan. And just letting you know you can have the loan for up to ten years. At a fix interest rate of only two percent and there is no penalty for an early pay off. how much would you like to apply for?

utterance: OK.

utterance: Two hundred thousand.

utterance: Two hundred thousand OK. And how long would you like to carry the loan?

utterance: Let's carry it for the ten. Let's do the ten.

utterance: OK.

utterance: Great and upon approval you will have a down payment due of between five to twenty percent. How much would you like to put down?

utterance: Fifteen percent.

utterance: Fifteen percent OK. And upon approval there it can be routed directly into your bank Excuse me your bank account. I see you have your preferred checking account. And I have the routing number. Would you like to have it deposited directly there if you are approved?

utterance: Yes, that would be great.

utterance: OK very good. that finalizes every thing on my end. I just sent you an email that gives you the authorization, excuse me, the confirmation code for this application as well as a link to upload your documents of your tax ID and your driver's license. let me see. Yep that's everything that on our end. Is there anything else I can do for you today?

utterance: Sounds good.

utterance: Nope, that's it. Thanks so much.

utterance: All right.

utterance: Well best to you Jordan and thank you again for being an Intellibank customer and you have a great day.

utterance: Thank you, you too.

utterance: Bye.


utterance: Good evening. Thank you for calling Intellibank. This is Anna speaking and how may I assist you today?

utterance: Hey Anna. How are you doing this evening?

utterance: I'm doing quite well ma'am. Thank you so much for asking. How about yourself?

utterance: Well, I am actually doing great and in such a great mood. The weather is finally starting to cool off. and while I don't know about you but we live down south and there's been something going on these last couple of years. For some reason the humidity has been extremely high and with the high temperatures we've been having as well, it's it is honestly been quite unbearable.

utterance: Oh ma'am I completely understand. Yes ma'am. I'm down south as well and that humidity can make just like a ninety degree temperature seem like as about a hundred and ten outside Kansas.

utterance: Yes ma'am. Yes ma'am, you know exactly what I'm talking about huh?

utterance: I absolutely do ma'am. And what can I assist you with today?

utterance: I'm calling I need to make a wire transfer and I'm calling from Nancy and Joe's Surplus.

utterance: All right ma'am. I'd be more than happy to assist you with that today. Now I do you need to get some information from you so I'm go ahead and pull up your account? May I have your full name please?

utterance: Sure this is Nancy. N A N C Y. And my last name is Cherry. C H E R R Y.

utterance: Thanks so much Ms. Cherry. That's a beautiful name. May I also have your date of birth please?

utterance: Yeah and thank you. I was born April the twenty-fourth nineteen ninety-nine.

utterance: Thank you Ms. Cherry. I have your date of birth is April the twenty-fourth ninety ninety-nine.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much. May I also have your PIN number please?

utterance: Well well Anna actually I left that in Joe's office. I am so sorry but could I put you on hold just for one moment so I can go and grab that?

utterance: That's not a problem whatsoever Ms. Cherry. Just let me know when you've returned.

utterance: OK, thank you so much Anna. I'll just take a second. I'll be right back.

utterance: All right, thank you Ms. Cherry.

utterance: OK Anna, are you still there?

utterance: Yes ma'am I sure am. Were you able to locate that PIN number?

utterance: Yeah our PIN number is one twenty-seven seventy-six two ninety-seven.

utterance: Thank you Ms. Cherry. I have your PIN number as one two seven, seven six, two nine seven.

utterance: Yes ma'am that's correct.

utterance: Thank you so much. And may I have the account number where you would like the funds to be withdrawn from please?

utterance: absolutely. It'll be our account number one two five, eight seventy-three, twenty twenty.

utterance: Thank you Ms. Cherry. So that's account number one two five, eight seven three, two zero two zero.

utterance: Yes ma'am, that is correct.

utterance: Thank you and how much would you like to transfer today?

utterance: we need to transfer over five thousand dollars even.

utterance: Thank you, that's five thousand dollars even.

utterance: Yes ma'am.

utterance: All right and will this be an international transfer or domestic transfer?

utterance: it'll be domestic.

utterance: Thank you and just to let you know ahead of time. we do have a flat fee for our domestic wire transfers of fourteen ninety-nine. Is that OK?

utterance: Yeah yeah absolutely.

utterance: Thank you so much Ms. Cherry. Now I do need to get some information about the account that you would like the funds to be deposited into. May I have that bank's routing number please?

utterance: yeah the routing number is six one four, eight three one, two two one.

utterance: Thank you Ms. Cherry. I have the deposit routing number is six one four, eight three one, two two one.

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

utterance: Thank you. And may I also have the account number you would like the funds to be deposited into?

utterance: Absolutely, that will be So. Sorry there it is. it's nine four eight, six five one, six eight nine four.

utterance: Thank you Ms. Cherry. So the deposit account number will be nine four eight, six five one, six eight nine four.

utterance: Yes ma'am, that is correct.

utterance: Thank you Ms. Cherry. Just one moment while I get this processed for you.

utterance: OK wonderful. Thank you Anna.

utterance: Yes ma'am. All right Ms. Cherry. I do have this processed for you. You had the five thousand dollars transferred into the account number that ends in six eight nine four. And that was withdrawn from your account number that ends in two zero two zero. Was there anything else I could assist you with today?

utterance: Oh no ma'am. That will be all. Thank you so much for your help today Anna.

utterance: Thank you for calling Intellibank Ms. Cherry. I hope you have a wonderful rest of your evening.

utterance: Thank you, you too.