utterance: Good afternoon, thank you for calling Intellibank. This is Rose, how can I help you today?

utterance: Hi Rose, my name is Kim. How are you tonight?

utterance: I'm doing great Kim, thank you so much for asking. How about yourself?

utterance: Oh I'm doing great. I just got back from an amazing vacation down in the islands and I am sunburnt and relaxed to death and not really looking forward to going back to work tomorrow.

utterance: My goodness, that sounds like so much fun. Can I live vicariously through you?

utterance: Yes absolutely. I I very much enjoyed the time that I was actually down in St. Thomas and St. John visiting a friend who lived down there and then we actually went over to St. John and stayed over there a couple of days and it is just absolutely gorgeous down there.

utterance: Oh wow.

utterance: I know.

utterance: Have you ever been down to the islands?

utterance: I have not. It is definitely on my bucket list of things to do. It sounds so exciting.

utterance: Yes, definitely. Do yourself a favor and get down there. It's, you know, everybody is is so afraid since the storms that have gone through there over the past you know several years, but really, especially St. Thomas, like it is it's a huge mountain so it it has done well. It didn't really have much damage at all. So everything's still up and running there, no issues, and it's like I said it's literally beautiful.

utterance: It sounds marvelous. I mean every picture I have seen looks so immaculately beautiful. The only thing that I fear is mosquitoes, I heard that the mosquitoes are insane.

utterance: Yes you do have to, you know, either wear the, you know, the bands, the wrist bands, or spray, you definitely have to keep yourself protected by from the mosquitoes. I I have been eaten alive down there before but it's not too bad, as long as you you know keep stuff on you.

utterance: And don't wear perfume or lotion or any of those things that I do.

utterance: Right.

utterance: Yeah that's kind of a that's kind of a given. You have to, if you're gonna you know, take the non-scented lotion and all that stuff so you don't get eaten up too badly.

utterance: Oh my. OK. Good tips, thank you so much.

utterance: Yeah.

utterance: Yes. Well I am calling today, Rose, because I have an employee that I need to have access to my Intel bank account.

utterance: did you mean an Intelli? bank?

utterance: Oh

utterance: Yes. I'm sorry. Don't listen to me.

utterance: Oh, that's OK.

utterance: People make that mistake all the time. There is an actual Intel Bank so I just wanted to be sure that you were calling the right place.

utterance: Oh yes, I am. I it's in my Intellibank account is what I meant, sorry about that.

utterance: OK.

utterance: It's no worries. So you need to add a user right?

utterance: Yes, add a add a user to one of my accounts.

utterance: OK.

utterance: Oh I can certainly help you with that. I'll have to get some information from you and then we'll take it from there, OK?

utterance: Sure.

utterance: All right, so I know you said your name is Kim. That's Kim not Kimberley?

utterance: Right, just Kim. And my last name is Johns, it's J O H N S.

utterance: OK, thank you so much. can you provide for me your date of birth please?

utterance: It's April twenty-fourth nineteen seventy-seven.

utterance: Thank you, and your PIN number?

utterance: Sure, it's two four one zero.

utterance: All right, and I need your account number?

utterance: sure, my account number is, let me see here.

utterance: It is one one two one zero zero zero five nine four.

utterance: All right, thank you so much. Now I will need the new user's first and last name?

utterance: sure it's David Johns, it's my brother.

utterance: OK, thank you. And I will also need the new user's street address?

utterance: Absolutely, his street address is seven four five Walnut Street, and that's in Philadelphia, Pennsylvania, one nine one zero one.

utterance: All right, thank you so much. And I will need the new user's social security number?

utterance: Sure, that is one seven three seven three nine five zero two.

utterance: Thank you. And I need the new user's license number and license state?

utterance: Sure, the license state is Pennsylvania, and the number is K three eight four seven two five two nine three. And I mean to ask you, will adding him to account, will he then also be able to use the online the mobile app as well?

utterance: Yes. he will have, he will have to use the same PIN that you use, but yes he will be able to access that.

utterance: OK, perfect.

utterance: All right, and can you please provide for me the new user's email address and also the date of birth?

utterance: Sure. his email address is.

utterance: I'm sorry, let me look down. I was trying to make sure I had everything written down for you.

utterance: Oh that's all right.

utterance: Here it is. OK, it is his first initial and last name. D Johns forty-two fifty at Gmail dot com.

utterance: And I made a mistake. I know you need to give me his date of birth, but he will actually need to make up his own PIN.

utterance: Oh OK great.

utterance: Or or you can make up a PIN for him and he can change it later.

utterance: no I'll have him set it up. I'll have him and take care of setting it up. I just wanted to do what I needed to do on my end.

utterance: Well we do require that there is a PIN for him so we can just make one up if you want so he can do that later, he can go back in and change it.

utterance: Oh OK. let's just make it six three six three.

utterance: OK, thank you so much. And also I need his date of birth?

utterance: And his date of birth is seven fifteen.

utterance: Of seventy-eight.

utterance: OK, awesome. All right. And let's see here. I think I've got all the information that I need. OK. And bear with just a second Ms. Johns.

utterance: Sure, no problem.

utterance: I did wanna tell you that you can customize permissions for the new user online also. for example to authorize transactions, to view bank statements, or to transfer between accounts.

utterance: Oh OK, great.

utterance: All right.

utterance: Thank you so much.

utterance: An~

utterance: You're so welcome. was there anything else that I could help you with today?

utterance: nope, I think that's everything. Thanks so much for your help, I really appreciate it.

utterance: Oh you are very welcome, Kim. I hope you have a wonderful rest of your day, and make sure you put something on that sunburn.

utterance: Thank you so much, have a good one.

utterance: You too, thank you. Bye bye.

utterance: Bye bye.


speaker_role: Agent

utterance: Good afternoon, thank you for calling Intellibank. My name is Simone and I'm here to provide you with excellent service. How may I help you today?

speaker_role: Customer

utterance: Hi Simone, my name is Brad, and I was told that I could open a new account today with a lower interest rate. Is that true, something you could help me with?

utterance: Well, Brad, I would be glad to help you today. I am hoping that I can help you with all of your needs. First I would just like to get a little bit of basic information. do you have an account with us already?

utterance: I do.

utterance: You do, all right, wonderful. So let me get some information, let me access my system. And while I'm waiting for my system to load, how are you today?

utterance: I'm doing well, how are you?

utterance: I'm great! Thanks for asking.

utterance: Of course.

utterance: OK, Brad, so your first name is spelled B R A D?

utterance: That's correct.

utterance: Great. OK, great, and your last name Brad?

utterance: It's Wright.

utterance: Can you spell that for me, please?

utterance: Yes, it's W R I G H T.

utterance: OK. One moment while I'm getting this in the system. OK. Great and may I have also your date of birth?

utterance: Yes, it's eight twelve eighty-seven.

utterance: Great. OK, so while I'm waiting for the system to load. So you currently, I see you currently have an account with us, but you'd also like to open a new checking account? Is that correct?

utterance: no, it's a business account.

utterance: I'm. My apologies. You'd like to open a business account with us.

utterance: Yes.

utterance: OK, great, and you're looking for some help with an interest rate.

utterance: Yes, I was told that I could have a lower interest rate on this account than I have on my currently.

utterance: All right, well, we'll we can proceed with an application process to see if that's something that we can provide for you. All right, you know I'm I'm not finding all the information I need. Let me just ask you a security question if that's all right? It'll help me access more of your information.

utterance: OK.

utterance: OK, great. what is the name of your first childhood pet?

utterance: I don't have that information. I don't ever, I don't ever remember putting that in. Is it

utterance: That OK. There's there's a variety of security questions we ask to protect your information. Let me try another one for you.

utterance: OK.

utterance: All right, what is your mother's maiden name?

utterance: It's Brown, like the color.

utterance: Brown like the color, OK. OK, great. I have that here and I just need to ask one more question. the name of the first street you lived on.

utterance: Yep, what was it? Can you could you hold on for a second? Let me find it. I took a picture of it so I wouldn't forget.

utterance: Sure.

utterance: Oh, that that's smart!

utterance: But I have so many pictures on this phone. It's. I should make albums.

utterance: I understand you know in my day we had photo albums. Now, you kids have everything on your phone, so that's just great.

utterance: In your day? I mean you don't sound very much older than I am.

utterance: Oh, well thank you but I think I could probably be at least your mother. Maybe even your grandmother, but thank you, that's very nice of you.

utterance: No way, how, how old are your kids?

utterance: I have one son that just turned thirty-two and my daughter is forty.

utterance: Wow.

utterance: No way. Wow.

utterance: Mm yeah.

utterance: OK, I think I have it.

utterance: OK, great.

utterance: eight seven zero.

utterance: one moment, please. Eight seven zero.

utterance: Yes, Vermont V E R M O N T Avenue.

utterance: OK, V E R M O N T Avenue.

utterance: Yes.

utterance: Ok, great. I did find that.

utterance: Excellent.

utterance: OK. So, I see here that you do have a personal account with us. I see you also have a credit card with us, and now. I'm sorry, let me clarify, you'd like to open a business checking account?

utterance: Yes, the business the the, what it, what's the name of that one? I think it's like I'm sorry .

utterance: The In~

utterance: The oh The We have the Intellibank Business Total Checking, and then we also have the Intellibank Business Preferred Checking. Just depending on the account balance that you would like to carry.

utterance: I thought you guys had one that was like the business money like a money market account.

utterance: Well, that would. That wouldn't that wouldn't be under the the checking accounts, that would be an investment account. Or, I'm sorry maybe I misunderstood you. Are you looking to open a checking account or an investment account?

utterance: No, I wanted a business checking account. . Maybe, I guess, maybe I wasn't looking for the money market, maybe it's the Preferred that I was thinking about.

utterance: OK.

utterance: Certainly, certainly. Well when, when we go through your application we'll get more information to see which one is the best fit for you. May I ask what your goals are with your account?

utterance: I I was told I could get a lower interest rate.

utterance: Ok, so you're primarily just looking to get a lower interest rate?

utterance: Yes.

utterance: OK, let me see if I can help you with that today.

utterance: OK.

utterance: OK. So, I'm just going to need a little bit more information from you.

utterance: Mhm.

utterance: To fill out the application. will you be? I'll be. Just to let you know what I'm needing so you can have this information for me. I will need a Social Security card. I have your name and your address. your current address and and I have your bank account number here as well. Is this something that you would like to go ahead and proceed with now? Or would you like to do this online? to to save you some time?

utterance: Well, I was just about to ask you that. is this something that I can do on, like can I check my balance online?

utterance: Yes, you can check your balance online, and if you need me to go over with you how to best access it, I can do that for you. Not that I can't help you with it here, it just might take more time then if you did it yourself. Applying online. Just wanna make sure I'm maximizing your time for you.

utterance: OK.

utterance: Oh, you said so I can also. I can check my balance online and I can also apply for this new account online as well?

utterance: absolutely for absolutely and for checking your balance the fastest and easiest way for you to do that would be to download our app. You can do that so you can always have that on the go.

utterance: OK, what dammit, I'm getting a call right now. dammit OK, so I guess. Is there any way you could send me like, text me a link or something to my phone to where I I can just go straight to the website to?

utterance: E~

utterance: Fill out this.

utterance: Is the.

utterance: Phone number I see here still current for you?

utterance: Yes.

utterance: OK, great. Well yes, I'd be glad to text you that. I don't wanna keep you cuz I know you have another call. I'll send you that link and then please call us back if you have any other questions.

utterance: Right, will do. Thank you so much, and I appreciate it. Enjoy your day.

utterance: You.

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

utterance: OK, bye. Thanks.

utterance: Bye bye.


utterance: Thank you for calling Intellibank Commercial Banking, this is Steven, how may I assist you?

utterance: I have relocated my business and I don't know what I need to do.

utterance: All right, sir. well, would you like to update the address on file so that we can make sure that your statements are being sent to the correct location?

utterance: Yes.

utterance: OK, may I have your name, please?

utterance: Dan Thomas. T H O M A S and my birthday is May twelfth nineteen sixty.

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

utterance: One zero six two.

utterance: And the phone number on file, please.

utterance: OK, I I have my old phone number, and I've got a new phone number. I don't know which one you got but I've got six six one two two one three zero five five, and six eight nine one seven zero four three four one.

utterance: All right, sir. It appears that first number is the one we have on file. Is that the correct number for you?

utterance: Yes, that's my new one.

utterance: OK, thank you very much. I have verified that information and I have your account details pulled up in front of me. and so we just need to go ahead and change the street address for your business, is that correct?

utterance: That is correct.

utterance: All right, and can you provide me with the new street address, please?

utterance: It is seventy-six Sunbeam Drive, Canyon Country, California, nine one three eight seven.

utterance: All right, that's seventy-six Sunbeam Drive. Canyon Country, California nine one three eight seven. Is that correct?

utterance: That is correct.

utterance: All right, sir, I've got that information updated and would you be interested in setting up online banking today?

utterance: yes, would I be able to make changes like this with online banking?

utterance: yes, sir. You would be able to do that.

utterance: OK, that sounds great.

utterance: All right, sir, and can I have the account number for the account, please.

utterance: OK, hang on just one second.

utterance: No problem.

utterance: OK, it is seven three zero six nine five six eight two nine.

utterance: All right. That's seven three zero six nine five six eight two nine. Correct?

utterance: That's correct.

utterance: Thank you, and in you can confirm your email address for me.

utterance: D Thomas at ABC dot com.

utterance: Thank you, and is that where you would like your online banking communications sent to?

utterance: Yes.

utterance: Perfect, and I have got a user name and a temporary password for you whenever you are ready.

utterance: I'm ready.

utterance: All right. Your user name is D Thomas zero nine.

utterance: OK.

utterance: And, your temporary password is capital C eight capital Q capital Y three seven.

utterance: OK.

utterance: All right, and then to finish the setup you will just need to visit Intellibank dot com click in the top right-hand corner where you see login. Enter those credentials. It will then prompt you to create your own unique password. And it will then guide you through the rest of the setup.

utterance: OK, sounds good. can you tell me what types of Intel Bank loans that you offer?

utterance: Did you mean Intellibank, sir?

utterance: Yes.

utterance: Absolutely. We offer term loans, secured loans, real estate loans, S B A seven A loans, and SBA five oh four loans.

utterance: All right, sounds great.

utterance: All right, sir. Is there anything else I can assist you with?

utterance: I don't believe so. Your day going pretty good so far?

utterance: Yes, sir, my day is going quite well. How is yours?

utterance: It's going good.

utterance: Wonderful. Is there anything else I can assist you with?

utterance: I don't believe so.

utterance: All right, well if you will hold on the line there is going to be a brief survey where you can let us know how we did today and how we can better service you and your business's needs in the future.

utterance: All right, thank you.

utterance: Thank you, and thank you for choosing Intellibank. Have a good evening.


utterance: Good afternoon, thank you for calling Intellibank. My name is Erica and I will be glad to assist you today. Who do I have the pleasure of speaking to?

utterance: Hi, my name's Charlotte Wilbur.

utterance: Hi Charlotte Wilbur, how you doing today?

utterance: Good, how are you?

utterance: I'm great, thanks for asking. How may I assist you today?

utterance: I need to apply for a real estate loan. SBA five oh four please.

utterance: Oh very good. That yes the SBA five oh four is the real estate one. Be glad to assist you with that today. just gonna make sure that you have the right documents. I'll let you know ahead of time that you'll need your tax ID number as well as your driver's license. Do you have those handy?

utterance: I do.

utterance: Great. Let's go ahead and get started. All right. I'm just putting your name in here. C H A R O L O T T E?

utterance: Uh-huh.

utterance: OK, and Wilbur, W I L B U R?

utterance: Right.

utterance: OK thank you so much, and Charlotte what is your home address?

utterance: My home address is twenty-one sixty-nine Curb Lane. That's Apple View North Dakota one one three four six.

utterance: Very good. Thank you so much, and your social security number?

utterance: My social security number is five one three three seven six one three two.

utterance: Thank you so much. And you driver's license number and the state where it was issued?

utterance: North Dakota, six seven three four seven two one.

utterance: Very good, thank you so much. And the four digit PIN number that's associated with your Intellibank products and services?

utterance: zero zero one two.

utterance: Zero zero one two. Thank you. Your email address?

utterance: My email address is Charlotte Wilbur at Yahoo dot com and my mailing address is PO box forty-three twenty-six, Apple View, North Dakota.

utterance: Oh

utterance: Pardon me Charlotte. that I I don't need that yet. I'll be in a different different screen for that. All right? All right, one moment, please. The name of your business?

utterance: Yeah.

utterance: Oh, OK.

utterance: Charlotte Wilbur Enterprises.

utterance: OK. Is Charlotte Wilbur two words or one words in the business name?

utterance: one word.

utterance: OK so all run together?

utterance: Yes.

utterance: And is the Wilbur capitalized?

utterance: No.

utterance: Thank you so much. And are you the sole business owner?

utterance: I am.

utterance: Thank you. And the month and year that your business was established?

utterance: January of two thousand fifteen.

utterance: Thank you so much. And for last year the twenty twenty what were your approximate gross sales?

utterance: A.

utterance: Hundred thousand.

utterance: Thank you so much. Your tax ID number?

utterance: Tax ID number is five one three three seven six one three two.

utterance: Very good, thank you. And the purpose of your loan?

utterance: the purpose of my loan is I want to expand my business.

utterance: OK are we talking about a second location? Or.

utterance: no I wanna purchase the building that I currently rent to do business and I wanna buy it.

utterance: It's a great idea. Absolutely. All right, so purchasing realty. purchase, great. Thank you, just checking the correct box. And then for an SBA five oh four loan there is a down payment required upon approval between five to twenty percent. How much would you like to put down upon approval?

utterance: Property.

utterance: Five percent.

utterance: Five percent. Thank you so much. I will be uploading this document into the system and an email will generate to to you that will have a link to this application. Please be advised that will there will also be a request for a copy of your tax ID number and your driver's license. There will be a link in the email to upload that into the system.

utterance: OK.

utterance: OK so that is taken care of. and you should hear back within three to seven business days.

utterance: OK.

utterance: All righty, is there anything else that I can assist you with today or any other questions for you? For me.

utterance: Need to check the credit card balance that's due on my corporate credit card please.

utterance: OK great. Let me just get some basic info so I can pull your credit card up. credit card under the same name Charlotte Wilbur?

utterance: Yes.

utterance: Thank you so much. Your date of birth?

utterance: date of birth is twelve five seventy-one.

utterance: Thank you. And again your four digit PIN number?

utterance: Four digit PIN is zero zero one two.

utterance: Thank you so much, and then your credit card number?

utterance: Six one seven nine four six three two nine five one two three one four five.

utterance: OK great. All right I see here that you are that you are carrying our Business Gold card and you would like to check the balance on that?

utterance: yes.

utterance: All right, one moment. OK the total balance you have on that is twelve thousand four hundred dollars.

utterance: OK. Thank you.

utterance: Did.

utterance: Did you need to make a payment? Or any other information I can provide for you?

utterance: No, thank you.

utterance: Oh thank you for calling Intellibank, Charlotte, and I wish you a wonderful night.

utterance: Thank you.

utterance: Thank you.


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

utterance: Yeah, so I was wanting to see about getting a business loan.

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: you can just call me Jill. That's fine.

utterance: OK, Jill. So what type of loan are you wanting to apply for today?

utterance: So, I'm trying to buy a second location. I I've found this beautiful property. and it's in Montana. It's just really close to my kids' school, so we decided we wanted to kind of expand there but I'm not sure what the best way to do that is.

utterance: OK I can totally kin- understand that. Are you currently a customer with Intellibank?

utterance: Yeah. I have all of my business accounts with Intellibank.

utterance: All right, Jill. So we have a few options that might work for you. so the SBA five oh four lo- loan, which is s- specifically for the purpose of real estate purchased for business purposes. that five oh four loan, the government assumes some of the risk for the loan so easier to get it approved than other loans and it has some better terms and lower interest rates than some normal business loan. But, there are certain requirements that your business will have to meet to qualify for that loan. Then here at Intellibank we also have a real estate loan and just like the title loan, this loan is specifically for the purchase of real estate and it has competitive interest rates and variation of terms. The real estate loan operates a little different from a standard loan because the property being purchased could be repossessed should that loan go into a default. so that's really the only huge difference between that one.

utterance: So is the criteria for the five oh four strict and on the real estate, what what is the interest rate on that one?

utterance: Yeah. So for the five oh four you do have to meet certain business and income requirements to be eligible for that loan. And on the real estate loan, the interest rates they they vary. They go from about nine point two percent to twenty-one point three percent and we consider a variety of factors before determining that interest rate. credit scores, things like that will all determine whether or not that your in- your debt-to-income ratio, those kind of things will determine whether or not you qualify for what interest rate you qualify for in pertaining to that loan.

utterance: OK. I think it probably best to do the real estate loan then. Wouldn't you think?

utterance: Yeah. I mean if you don't think that you're gonna qualify for that five oh four, the real estate is probably the best option for you.

utterance: OK, then. So how do I how do I get to apply for that?

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

utterance: Can you hold on one second while I grab it? Give me just a moment. OK, so it's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: And Jill, your date of birth please?

utterance: Yeah, that's March second, nineteen eighty.

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

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

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

utterance: Kansas City, Missouri.

utterance: And what is your street address?

utterance: Mine is five one nine Hoover Road. the ZIP code there is seven three eight two zero.

utterance: OK and can I get a social security number for you?

utterance: Yeah, it's seven three eight zero two zero seven eight three.

utterance: OK and your driver's license and state of issuance?

utterance: Yeah. It's M nine three seven zero zero two zero zero. It's a Kansas license.

utterance: OK and are you the only owner of the business?

utterance: I am.

utterance: OK and when did your business open?

utterance: It opened August of two thousand fifteen.

utterance: OK and you can. Can you tell me what your business grossed annually like maybe for your past year? Do you happen to know that information?

utterance: Yeah, I believe for twenty twenty it was like six hundred thousand was what we grossed.

utterance: OK and what is your tax ID number?

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

utterance: OK and can you confirm the address of the business?

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

utterance: OK, Jill. And also, can I get a an email address for you real quick here?

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

utterance: OK and where do you receive your mail at pertaining to the business account. Is that at the business address or your home address?

utterance: I pretty much get all the mail for the business at the business. So, we can continue to do that if that's possible.

utterance: Yep, we can do that. And just to confirm, you were seeking to buy a loan for a property, correct?

utterance: Yeah, that's right. we have one in mind already.

utterance: OK and what is the address of the property you're looking at?

utterance: It's eight four three seven West Buckley Road. It's Kansas City, Missouri.

utterance: Can I get a ZIP code there too?

utterance: Yeah, three eight four nine zero.

utterance: OK. And do you know what this c- property is currently listed at or how much you're looking to borrow?

utterance: So the l- property's listed at a hundred and ninety thousand, so that'd be what I needed to borrow.

utterance: OK and are you gonna be trying to put anything down towards the loan?

utterance: I could probably do like five percent or ten thousand down.

utterance: OK, let me put down that ten thousand. And Jill, do you know about what terms you're looking at for this?

utterance: Probably like twenty or thirty years if possible.

utterance: Yep, OK. All right, Jill. I think that's everything that I need for now. If you have just a few moments I'm gonna go ahead and run this through to see if I can get a preapproval for you, OK? Give me just a few moments to work this. OK. All right, Jill. So I did get that preapproval for this loan for you. So what I'm gonna do now is I'm gonna email you a link to our loan portal with a list of documents I'm gonna need you to provide. Once you access that email, if you can upload those requirement documents there and then a loan agent will reach out to you to assist you with the loan process once those are reviewed. I do wanna let you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secure until all information is provided and can be verified. Did you have any questions regarding any of that?

utterance: No. So I'll get everything in an email then you said?

utterance: Yup, that's right. I'm sending all that email information to you right now. It'll also be that list of documents that is gonna tell you what we need what's required for that loan. Was there anything else I could do to help you out today?

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

utterance: No problem at all, Jill. You should receive that email shortly and you should be hearing from one of our agents within twenty-four to forty-eight hours after you have uploaded that information. I just wanna thank you for choosing Intellibank and you have a great day.


utterance: Hi. Thanks for calling Intellibank. My name is Anne-Marie. How can I assist you?

utterance: Excuse me. Sorry. Choking. Hi. Thank you. I'd like to apply for a term loan on my business account.

utterance: Hm. OK. Great. I would be happy to assist you with that. can I get some information from you. Like first and last name as well as your birth date.

utterance: Yeah. My name is Roger Waterson. And my birth date is twelve seventeen nineteen eighty-six.

utterance: Could you please spell Roger?

utterance: Oh. R O G E R. It's like Roger but, you know, it's Roger. It's French. Yeah.

utterance: Oh OK. Great

utterance: OK. thank you for that. What is your pin number?

utterance: My pin number is ninety-seven ninety-seven.

utterance: OK. And what is your account information?

utterance: my account is two five seven eight six seven three eight eight two.

utterance: Excellent. OK. So I am in your account right now. Your corporate account. Your business account with us. What can I help you with?

utterance: Yeah, I want to I want to apply for a term loan on my business account.

utterance: Excellent. OK. I can help you with that.

utterance: Yeah. Can you help me apply for the term loan and also can you give me information about the rates. Also what are the. What are the. What's the limited term. What's the time frame? And then. And what's the interest rate?

utterance: OK. Thank you for all those questions. I hope I will answer them all for you. if not, please just feel free to ask me again. the interest rate for this term loan is nine point nine per cent interest. It does start off for the first three months at zero per cent interest and then after that it goes to nine point nine per cent. the term of the payment is thirty-six months. So that is the term of it. And I'm sorry, what other questions do you have regarding it?

utterance: Oh, how do I apply for it?

utterance: Yeah, we can. I mean I have your information right here. I would just need a little bit more of identifying information and then you can let me know how much of a loan you were looking for.

utterance: Mhm.

utterance: And we can apply and the results are pretty automatic. You know we put in your information and then our loan experts look at it and then you become accepted or not within minutes.

utterance: That's fantastic. That's the best news I've heard all week.

utterance: Great.

utterance: Terrific. I'm so glad.

utterance: I mean the other thing of this week is I saw like some good movies but you know that's even better news than that. You seen anything good lately?

utterance: Mm.

utterance: yeah, I'm watching a couple shows right now. A couple series and I'm really enjoying that.

utterance: that's cool. That's real cool.

utterance: Yeah.

utterance: Saw a couple of documentaries this week. Saw a couple series So yeah, trying to stay up to date on what's going on and, you know, just really keeping entertained during these times.

utterance: That's awesome.

utterance: Yeah. So the identifying question that I. We'll do this before we apply for the term loan for you is what is the name of your elementary school?

utterance: name of my elementary school is John Fitzgerald Kennedy Elementary School. No. Robert F. Robert F. Kennedy Robert F. Kennedy Elementary School. John F. Kennedy Jr. High School.

utterance: John F. Kennedy Jr. High School.

utterance: OK. So John F. Kennedy Jr. Elementary School?

utterance: No. John F. Kennedy Jr. High School.

utterance: Ok. The question was actually your elementary.

utterance: But.

utterance: But Robert S. Kennedy.

utterance: Junior High School and Robert F. Kennedy Jr. Comma. High School. Elementary School. John F. Kennedy Elementary School.

utterance: OK. so the question is elementary school so it's John F. Kennedy Jr. Elementary School.

utterance: No no.

utterance: John F. Kennedy Junior Comma High School. Excuse me. choking. Robert F. Kennedy Jr. High School. John F. Kennedy grade school.

utterance: OK. So, John F. Kennedy is the name of your elementary school.

utterance: Elementary

utterance: Elementary school, yes.

utterance: Got it. OK. OK.

utterance: Yeah.

utterance: John F. Kennedy Junior is the name of the high school. John. Robert F. Kennedy is the name of the Junior High School.

utterance: yeah.

utterance: Got it.

utterance: Yeah. OK .

utterance: But it's comma

utterance: So John F. Kennedy is the elementary school. No Junior, yeah.

utterance: OK.

utterance: Got it.

utterance: OK.

utterance: . So, great. We have. Excuse me. We have that. and then my next question for you is how much would you like this term loan to be?

utterance: Two hundred and fifty thousand dollars. Can you do that for me? If not I'll take ten.

utterance: OK. well for this, for what you're applying for, actually it is. There is a ten thousand dollar cap right now.

utterance: Mhm.

utterance: so.

utterance: Can I apply

utterance: For twenty-five of them? I'm just kidding you. Probably not. I'll take ten, that's fine.

utterance: Yeah.

utterance: We'll take

utterance: We'll we'll do ten thousand and they will be in touch if it's something where you can add on that. That is something our loan officers traditionally will contact people to see if they want to take more. So OK, so I will put your information in the system. I'm going to put you on a brief hold and let you know if you've been accepted. Great news, you've been accepted for the loan today. So you will now have a term loan and that will be. You will find that on your account information as well. So congratulations.

utterance: Thank you very much.

utterance: Great. is there anything else I can assist you with tonight?

utterance: No, that's all. Thank you very much.

utterance: Great. My name's Anne-Maria and have a good evening.

utterance: You too. Thank you.

utterance: Thanks for calling Intellibank.


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

utterance: Hello Daniel. nice to hear you over at Intellbank.

utterance: Well it's nice to hear you as well. Thank you for calling.

utterance: Thank you. looking for some information regarding my debt to income ratio today.

utterance: Okay that should not be a problem. I'm assuming that you are an Intellibank customer?

utterance: Yes you are right. You are right I am.

utterance: Great then I am just gonna need your full first and last name.

utterance: Mhm.

utterance: And that'll get us started in pulling up your account.

utterance: OK. Thank you. And I'm gonna say that I did not give you my middle name so it should be under T. My first name is T T E A also pronounced Ttauh. And my last name is Sentinul.

utterance: All right. And I'm gonna need your date of birth.

utterance: OK. My date of birth is May eleventh nineteen eighty.

utterance: All right. And I am also going to need your social security number and your state issued driver's license or ID number.

utterance: OK and social security is three two zero one one seven zero one two. Oh oh oh oh no no no. I'm sorry. I need to give that to you again.

utterance: All right. Hold on. Lemme reset this.

utterance: OK.

utterance: OK go right ahead with your social security first.

utterance: Thank you. OK. So it is three two zero seven six one zero two one. OK that's the correct number for that and my what was it you you said? My driver's license?

utterance: Yeah your driver's license of if you don't have a driver's license you can give me your state issued ID card.

utterance: Oh state issued ID. Perfect. If I do not have a driver's license? So my state issued ID is D nine nine nine one eight one.

utterance: All right.

utterance: Mhm.

utterance: And I am just gonna need your four digit security code.

utterance: Mhm.

utterance: Sixteen sixteen.

utterance: All right.

utterance: Mhm.

utterance: This is loading. This'll just take a moment.

utterance: No problem.

utterance: Evening plans? What are you do you have any evening plans?

utterance: No unfortunately I'm here all the way until tomorrow morning.

utterance: So you are pulling an all-nighter?

utterance: All-nighter, yep.

utterance: Really. Wow. I didn't know Intellbank was able to do that.

utterance: you know they don't like to talk about it. yeah I probably shouldn't even be talking about it now. I they record these calls sometimes for quality control.

utterance: Got it.

utterance: So yeah. anyhow so you wanted to see your debt to income ratio today?

utterance: I did yes.

utterance: Great. so just so you are aware.

utterance: Mhm.

utterance: Checking your debt and income ratio to income ratio.

utterance: Mm.

utterance: is something you can do on your on our website.

utterance: Mhm.

utterance: I see that you are not signed up. that is not a problem. it is fast and easy. You just go to Intellibank dot com and they're gonna ask you for all the same info.

utterance: Mhm.

utterance: That you just gave me here today.

utterance: Mhm.

utterance: You just have to do that one time and then you'll be able to access your account online with your AT with your email address and your PIN. Or you can do it on your smart phone.

utterance: Oh.

utterance: Oh.

utterance: Any mobile device and just download that at the App Store.

utterance: All right,

utterance: But for now.

utterance: Mhm.

utterance: We're going to go ahead and get that debt ratio checked for you.

utterance: Thank you.

utterance: Right here over the phone.

utterance: OK perfect.

utterance: So what was your gross income for last year?

utterance: Five hundred thousand.

utterance: And for how many months are you looking to get that debt ratio?

utterance: Six.

utterance: All right. So what I'm gonna to do is take the value of your company's monthly debt payments and I'm gonna to divide that by the gross monthly income.

utterance: Mhm.

utterance: Mhm.

utterance: And it's going to show me here that your debt to income ratio is twenty-one point two.

utterance: Oh. And where would you say that puts me? Is it? Is that good or?

utterance: You know I just state the numbers. I don't actually know. I think you'd wanna speak with maybe an accountant. you know I just answer the phones.

utterance: Mhm.

utterance: OK.

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

utterance: Can you transfer me?

utterance: Sure I can transfer you. What department would you like?

utterance: to accounting.

utterance: They are closed for the evening.

utterance: OK. All right then

utterance: All right. Well you have a lovely evening and thank you for calling Intellibank.

utterance: OK. Thank you.


utterance: Hey there welcome to Intellibank, my name is Bob. And who I'm I speaking with?

utterance: Hi.

utterance: Hello Bob, I'm Abe.

utterance: Hey Abe. Nice to meet you. And how can I help you out today?

utterance: Well I'm a very rich man and I need to start putting my money away in a savings account.

utterance: OK, great. Let's let's help you with that.

utterance: Great.

utterance: And do you already have a checking account open with us?

utterance: I do yes.

utterance: OK. Wonderful, well if you'd like we can setup your savings account to link with your checking and I'll just need some basic info from you? hey what's your last name?

utterance: OK yeah sure.

utterance: my last name is Richie.

utterance: Richie a Richie very rich guy A Richie

utterance: Yeah.

utterance: They call me Richie Rich.

utterance: Richie Rich cool and what's your Email address?

utterance: Richie rich at Gmail dot com.

utterance: Richie rich at Gmail all right sounds good and then the last four of your social?

utterance: two zero two one.

utterance: Two zero two one. OK. And then can I have your mailing address please?

utterance: sure thing. It's six zero three South Avenue Los Angeles California.

utterance: Nine zero zero three six.

utterance: OK. Sounds good. And then give me your driver's driver's license number on hand.

utterance: I do It's one zero zero three three six.

utterance: One zero zero three three six. OK sounds good. And then your customer PIN number?

utterance: two two five two.

utterance: Two two five two.

utterance: OK. Sounds good so I'll just pull up that info and if you'd like we can go ahead and open a savings account with your checking account and if you'd like to wave the service fee monthly may I approve you're a rich guy Richie Rich but.

utterance: Yeah. Those those sort of things don't really bother me but you know you don't get rich by just handing out money either so.

utterance: That's exactly right you know you gotta . So what we could do, we could transfer three hundred from your checking into your new savings account just the minimum and then that would waive this twelve dollars service fee probably.

utterance: OK.

utterance: OK. Sounds good.

utterance: All right sounds good. So just the three hundred a day or would you like to deposit more?

utterance: No. Actually, I want to go ahead and deposit more.

utterance: OK. Great.

utterance: How does ten grand sound to you?

utterance: Ten grand we'll just go ahead and move that right on over.

utterance: and then can I have your banking account number?

utterance: Yeah. Four eight two one two two five.

utterance: And how about the routing?

utterance: Seven nine zero three.

utterance: OK. Sounds good. And would you like to open any credit cards today with your savings account?

utterance: Well I already have the gold, am I eligible for the platinum?

utterance: You sure are.

utterance: Could you tell me a little bit about that?

utterance: Sure thing. So the platinum has a relatively higher interest rate than the gold so the interest rate for the platinum would be fifteen percent but you also make cash back with the platinum and you don't with the gold.

utterance: Oh, OK. Well maybe I should for that.

utterance: OK. Sounds good let's just go ahead and open that for you I can help you with the application process and did you have any other questions about your savings account today?

utterance: No. I don't believe so although I am worried about rate increases?

utterance: Mhm rate increases sure. Well the only way your rate will increase is if you withdrew everything from your savings account.

utterance: OK.

utterance: And I don't don't presume that you will be going under three hundred dollars in your in your savings account so your rate most likely will not increase.

utterance: Yeah.

utterance: Oh, OK. Good to know.

utterance: Absolutely. Any other questions for ya?

utterance: what, am I able to do most of this just online?

utterance: Yeah. You can do all of your banking online if you prefer we have our website as well as our mobile app as well.

utterance: OK. Very good. is there anything else I should know?

utterance: Doesn't look like it I think you're all up to speed. but if you do have any other questions I'll go ahead and send you a confirmation email of what we talked about today and you can always reach out.

utterance: Do you know anything about this traveler's card? I do I do sort of poke around the world a lot.

utterance: Poke around the world? Sure thing you can you can open a traveler's card if you want to earn some sky miles and you can earn points that you can apply towards your next trip.

utterance: Yeah.

utterance: And could you send me that stuff to me via my email?

utterance: Sure thing. I will send that to you Richie Rich at Gmail.

utterance: OK. Very good. You were very helpful today and you know I'm gonna keep my eye on those rate increases.

utterance: Keep your eye out you know there's big conspiracy these days.

utterance: Yeah. I have a neighbor who who said all of a sudden his rates increased by double.

utterance: I mean that's the real pandemic am I right?

utterance: No. Hey, now we're now we're really talking shop here.

utterance: That's right.

utterance: Don't even get me started.

utterance: Well you've been lot of help thanks so much.

utterance: You bet sir take care?

utterance: Uh-huh take care.


utterance: Good afternoon, this is Daniel speaking. How may I help you?

utterance: Oh hi Daniel I just need to change my PIN.

utterance: Sure, we can totally help with that. so I. First of off, I need your first and last name.

utterance: OK my last name is Crubbs, C R U B B S.

utterance: Mhm.

utterance: And my first name is Mellisia, M E L L I S I A.

utterance: Mellisia, M E L L I S I A? OK.

utterance: Yeah. Mhm.

utterance: Mellisia.

utterance: And for verification purposes, I'm going to need your date of birth.

utterance: Zero four sixteen, eighty-three.

utterance: And before we continue, I did want to thank you for banking with Intellibank for all these years as a small business customer.

utterance: Yeah, thank you I have banked with Intellibank for a long time.

utterance: OK Ms. Crubbs, so we are going into your account we do need a few pieces of information before we can access it,

utterance: Such as why I chose Intellibank?

utterance: we. You know we. that's something that we can definitely talk about but we do appreciate you choosing our service.

utterance: Can I tell you why I chose your service?

utterance: Absolutely!

utterance: OK. Well one day I was walking down the street with my dog and a customer representative from Intellibank was handing out free dog treats and I said at that moment if you care about people's dogs I will bank with you for the rest of my small business career. And I have!

utterance: That's a wonderful story Ms. Crubbs.

utterance: Thank you.

utterance: And so now we're we're moving on to the PIN itself. You said you wanted to change you PIN correct?

utterance: OK.

utterance: Mm.

utterance: Yes.

utterance: OK. and could you provide me with your current PIN?

utterance: Sure it's four eight nine six. Do you know if. Does Intellibank have dog treats that they could send me? like special dog treats?

utterance: You know that's some that I'll have to enquire about you know here at the call center it's not something that you know is within. Is within my realm of knowledge but we can totally get back to you on that.

utterance: How how will you get back to me? And when?

utterance: I think if you you know. If you leave your Call the main line and leave a message we can I'd be happy to actually take your request as well.

utterance: You'll request that they me dog treats? OK great. Yeah just. If you could just put that in as a request for me. And then change my PIN and we'll be good to go.

utterance: Yes.

utterance: OK. So four eight nine six you said you is your current PIN?

utterance: Yeah.

utterance: And what would you like to change it to?

utterance: I'm supposed to tell you?

utterance: That's correct if you'd like to change it this is This is the method that we have to use.

utterance: OK.

utterance: Yep.

utterance: I'll go for six three two four. do you think that's a good PIN?

utterance: Six three two and four. That's a great pin.

utterance: OK. I'll go with that.

utterance: That's a great pin.

utterance: OK.

utterance: So do you have any any special offers for long time customers today? Besides maybe sending the dog treats?

utterance: Well we do offer a collection of loans as well as accounts. I do see that you have a small business checking account with us we could also open a savings account as well. if you would like that or and we do have a couple credit card option as well as there's a travel credit card that you know if you travel a lot, that's something that it might be. Might be good.

utterance: Mhm.

utterance: Mhm.

utterance: Is there possibly an email that you could send me with all this information?

utterance: Yes absolutely. is it just the email on file and could you confirm that email?

utterance: Is it I love dogs at Outlook dot org?

utterance: That's the email, I love dogs at Outlook dot com.

utterance: OK. Oh yeah, dot com that's what I meant to say. You're a professional so you already knew. Did my PIN change?

utterance: OK.

utterance: So it is now six three two four and the change will be effective immediately so you can use this PIN to start accessing all of your accounts with us.

utterance: Oh.

utterance: OK great. Wait can you tell me your name one more time?

utterance: Yeah.

utterance: Yeah, my name is Daniel.

utterance: Daniel. All right Daniel, thank you so much.

utterance: Of course. And is there anything else I can help you with today?

utterance: No.

utterance: Great well you have a nice rest of your day, Ms. Crubbs.

utterance: OK you too, bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Kevin. How may I be of service to you today?

utterance: hey Kevin, calling here to make a a few changes to the account. It's something pretty small. The family and I we got into a little incident back home. and I guess sort of long story short we want to make sure no one I guess can track us down. That sounds that sounds really sinister. It's it it's not it's not that crazy. Just you know with some kids rough housing, things happen. Some lives are changed.

utterance: Oh.

utterance: so are you gonna be, are you gonna be.

utterance: Closing your account today?

utterance: No, no, no we want to keep the account. You guys have been a a a great bank, you've helped with so much in our lives with housing loans and a and a and a car loan. We just need to make small changes.

utterance: It sounded

utterance: It sounded like for a minute there like you were going underground. Going off the grid. Thought you were shutting her down.

utterance: Oh no not completely. Just making sure a few people back in the at our old address won't be able to let's say locate us without us wanting us to be located.

utterance: Oh so you've recently moved?

utterance: Yes, yes recently moved.

utterance: All right. have you done a change of address with us?

utterance: we have not no.

utterance: OK. Well to start out I am going to need your first and last name and your date of birth.

utterance: OK yeah first and last it's going to be Warren Stapleton. And date of birth is November eleventh nineteen eighty-eight.

utterance: OK Mr. Stapleton and all I need is your six digit account number. And your four digit PIN.

utterance: OK hold on I have to ask the the wife for that. .

utterance: Not a problem at all take your time I will be here.

utterance: the account is four, one, four, five, five, one. And the PIN is seven, three eight, seven.

utterance: All right and I do see you have multiple accounts with us. Thank you very much for opening those accounts. All right. So in order to change your address I am gonna need a couple of pieces of information just for security purposes. I'm gonna need your mother's maiden name.

utterance: OK I'll that right out sorry. that is Richardson.

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

utterance: Tweety.

utterance: And speaking of addresses, I'm gonna need the street where you grew up.

utterance: Old's Court.

utterance: All right and finally I need the last four of your social.

utterance: Five, five, one, six.

utterance: All right. Great. OK I am gonna be able to change that address for you today. to start I just need your previous address. The one that we have here on file.

utterance: OK previous address apologies. four, one, seven West Mocking Drive. That was in Idaho. Boise, Idaho. Excuse me. three, zero, three, one, one.

utterance: OK great. That is what we have on file.

utterance: Excellent. Excellent.

utterance: And now I just need the address that you are changing that to.

utterance: OK the new address is four, one, four Tall Pines Avenue. Portland, Oregon. Three, one, one, eight seven. Excuse me seven.

utterance: Three, one, one, eight, seven?

utterance: Let me see. Yes, three, one, one, eight, seven.

utterance: Great. That is a lovely part of the country up there.

utterance: Yes. Do you have any any recommendations? We're kinda of looking for parks, schools, anything like that that you think is must see, you know. .

utterance: You know I I I

utterance: To be honest I haven't actually been there but I have seen pictures.

utterance: OK OK. Yeah it's very beautiful, it's green, lovely. Worried about about the rain coming from Idaho. It only kinda comes seasonally when I understand out there in Portland it's .

utterance: All right. Well, it looks like.

utterance: We are all set and your address has been changed. is there anything else that I can help you with tonight?

utterance: OK.

utterance: no that's been everything I think.

utterance: Well thank you so much for calling Intellibank and you have a wonderful rest of your evening.

utterance: Thank you.

utterance: Bye.


utterance: Good afternoon and thank you for calling Intellibank. My name is Chris, what can I do for you today?

utterance: Yeah. Hi Chris, how are you doing? I am a customer here at the bank and I was hoping that you could get into my account and look at a few things for me and maybe guide me towards my next steps with with with Intellibank.

utterance: Well Chris, that is absolutely something I can help you with. let me get into your account so we can narrow down what it is that you need help with. Can I have your first and last name?

utterance: Yes. First name Kevin, last name Davidson.

utterance: Kevin Davidson. That's D A V I D S O N?

utterance: Yeah. Just like just like the the Harley Davidson, just exactly like that spelling.

utterance: Got it. I don't really ride Harley's but I got you covered, Kevin.

utterance: You should. You should. It's. There's nothing like nothing like going on the road and feeling the feeling the air you know on whizzing past you. I really recommend it.

utterance: All right. Can I get that PIN number for your account?

utterance: Yeah, absolutely. Zero two three one.

utterance: Zero two three one. And, looks like I skipped over your social security number, could you shoot that over?

utterance: Yeah, absolutely. It's two seven three eight eight one seven three one.

utterance: Got it. All right. Pulling your account up now. Let's see here, OK Kevin, looks like you have one loan that's about three months past due. is there anything you could do about that right now?

utterance: I'm just kidding with you. Everything's good, Kevin.

utterance: Oh, that's that's great to hear.

utterance: Sorry, yeah sometimes when I get a little you know I get stuck in the machine of talking to people over and over and over I just like to let a little humor you know release a little tension there. All right, so what was it we're doing for you again today?

utterance: Well it's it's it's it's funny that you brought up loans because I'm actually calling to see if I could apply for a loan. I I have a small business. I would like to add some I would like to expand on on the company that I am building. So a loan would be very helpful in helping me with with that expansion.

utterance: OK, absolutely. That's absolutely something we can help you with today. just for future reference, you can also apply online or through our mobile app but I'd be happy to help you with it right now, Kevin. First I'm gonna need a little more information from you. this is gonna be under your name, correct?

utterance: Yeah. Yes, it'll be under my name.

utterance: OK, and can I get your street address?

utterance: Fourteen seventy-one Manor Avenue Seattle, Washington seven zero two one zero.

utterance: Got it. All right and can you give me that social again?

utterance: Two seven three eight eight one seven three one.

utterance: Perfect. And would you happen to have your drivers license with you?

utterance: Seven three seven two seven two.

utterance: OK, and the state that issued it?

utterance: Washington.

utterance: Washington. Got it. What's a good email for you, Kevin?

utterance: K dot Davidson at Gmail dot com.

utterance: K dot Davidson at Gmail dot com. And what's the name of your business?

utterance: we're called Ice Dreams. We're an ice cream business.

utterance: I was guessing flip-flops but that's even better. And are you the sole owner?

utterance: Yes.

utterance: Perfect. what date was were you established, Kevin?

utterance: March twelfth two thousand fourteen.

utterance: March twelve twenty fourteen. All right. And what's the amount of your gross annual sales?

utterance: Eighty thousand.

utterance: Eighty thousand. Doing pretty well for yourself there. And do you have your tax ID?

utterance: Yes. It is seven zero three seven two.

utterance: Seven zero three seven two, got it. And what's that business street address, Kevin?

utterance: It is seventeen First Street Seattle, Washington seven zero three two zero.

utterance: Got it, and is that also a good mailing address?

utterance: Yes, that's perfect.

utterance: All right, and how much you looking at to be loaned, Kevin?

utterance: I would like to loan out fifteen thousand and I think that should be a good amount. The I have a I have a decent limit on my Platinum card but I feel like the loan will definitely help me.

utterance: OK, the you mean you meant your Platinum Card?

utterance: Yes, that's correct.

utterance: All right. Sounds good. And what's the purpose of this loan, Kevin?

utterance: really, I would like to to get a a truck. A an ice a truck for A food truck for to make myself mobile.

utterance: Got it. And, we have a couple different term options here. Obviously the longer the term, the more interest you'll pay and the less you'll have to pay each month though. So we start off at twenty-four months and we go all the way up to seventy-two.

utterance: Let's go ahead and do twenty-four.

utterance: Twenty-four, got it. All right, just processing this. Bare with me for a second. All right Keven, it looks like you were approved! Congratulations.

utterance: That's great, thank you.

utterance: And Would you like a confirmation number or would you just like it in the email that I'm about to send out as well?

utterance: Email is fine, thanks.

utterance: Perfect. All right Kevin, you should be getting that email right now. And is there anything else that I can help you with?

utterance: No. You've been fantastic, thank you.

utterance: Well thank you so much, Kevin. Hope you enjoy the rest of your day. And thank you for being such a valuable customer.

utterance: Thank you.


utterance: Thank you for calling Intellibank. This is Michael. How may I be of service to you today?

utterance: Yeah. Hey, Michael. this is Dan Chen calling and I've been banking with y'all for my small business for about ten years now. and yeah, I was wondering if I could look into going for a five oh four loan. I think it's called Small Business Administration five oh four loan.

utterance: OK, yeah. I can absolutely help you with that today. we just need to get started by logging into your account.

utterance: And the name that you gave me is that what how your name appears on the account?

utterance: Yeah. Dan Chen. D A N C H E N. Pretty straightforward.

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

utterance: My date of birth is July eighteenth nineteen eighty-seven.

utterance: And what's the last four of your social?

utterance: last four of social. That's a lot of info. last four of social is three two five three.

utterance: Great and just one more thing here and then we'll get you all logged in to your account. what is your four digit security PIN?

utterance: let me put you on hold for a second.

utterance: Sure, not a problem.

utterance: Yeah. You here?

utterance: I am. Yes.

utterance: It's it's six three six three.

utterance: Great. All right. We are all logged in to your account.

utterance: And you are looking to apply for an SBA five oh four loan today?

utterance: Yup.

utterance: All right. Well, I'm we can absolutely do that for you.

utterance: But I am going to need to get quite a bit more information from you if that's OK.

utterance: Dude, I yeah sure. I mean that's. I feel like I gave you. I gave you pretty personal information already but.

utterance: I understand that you feel that way and I completely agree that you already gave me a lot of info and everything that you've given me was to log in to your account and that information is also going to be on the loan form but because you already gave it to me and we're already logged in to your account I can start by using that information and the information that is here on your account. I'll just need you to confirm a few things and then answer just a few more questions.

utterance: is that all right?

utterance: Sure, yeah. I don't I don't even know if I got all that but sure. Yeah, sure.

utterance: OK. Wonderful.

utterance: So to start off. I need you to confirm the email address that you have on file.

utterance: DC bomb diggity at Gmail dot com.

utterance: And what is the mailing address you have on file?

utterance: The mailing address?

utterance: yes, please. The mailing address as it appears on your account here in Intellibank.

utterance: OK. five oh four Portrait Street Riverside, California and the ZIP code is nine five zero three nine.

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

utterance: My business?

utterance: Yes.

utterance: My business is called Dan's Orchards.

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

utterance: Yeah.

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

utterance: why why do you need to know that?

utterance: well, for the purposes of the loan. One of the ways that we go about the approval process is seeing how long you have been a business and seeing what your gross income has been and what you owe and those are all things that factor in to the bank's decision.

utterance: OK what was the question again?

utterance: the date that you established your business?

utterance: Oh, yeah. date it established was March second nineteen ninety-nine.

utterance: And two more questions left. We're almost there.

utterance: OK.

utterance: What is your tax ID number?

utterance: Shit, man. I God, this is a lot of info. OK. One four six two seven eight three one seven?

utterance: And then finally, I just need to know the loan amount that you're applying for.

utterance: forty thousand dollars. need to replace machinery for my farm.

utterance: All right.

utterance: OK. Well, that is all the info that I need. Thank you so much for hanging in there with me and providing all of that. We'll be able to send you out a decision in seven to ten business days. Is there anything else I can help you with today?

utterance: OK. that's still a long time away but I guess. I guess you you have to deal with the card you're dealt so no it's fine. It's fine. I'm good. I'm good.

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

utterance: Yeah. Yo.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Richard. How can I help you today?

utterance: Hey, Richard. Richard's actually my my dad's name.

utterance: Oh, wow. Well.

utterance: OK, let's hope you don't drink as much as he does. Anyway, I was calling to make a payment.

utterance: You wanted to make a payment of some sorts. .

utterance: Loan I wanted to make a payment on.

utterance: A loan, absolutely. We have a number of different loans. Do you remember the type of loan you have with us?

utterance: It was the.

utterance: The It was the wealth management loan I believe.

utterance: The wealth management loan, OK. And let me pull that up for you here.

utterance: It's my own wealth just so you know, not not the drunks my father's.

utterance: Well, OK. I just need your first and last name.

utterance: It's a point.

utterance: You know, kind of a point in prior. Anyway, I'm sorry. What, what were you asking?

utterance: The, the.

utterance: Oh.

utterance: Just wanna get you started on this payment. can I get your first and last name?

utterance: OK.

utterance: Yeah, it is Winston Carlsworth.

utterance: Winston Carlsworth.

utterance: Uh-huh.

utterance: And your date of birth?

utterance: Yeah, that is November ninth nineteen eighty-two.

utterance: All right. I also need a four to eight digit PIN number.

utterance: Yeah, that is eight zero seven zero.

utterance: OK.

utterance: Yeah.

utterance: How about your dad, you got a good relationship with him?

utterance: Not bad.

utterance: OK. Sounds like a sensitive subject. Maybe I shouldn't have asked.

utterance: I'll take that as a yes.

utterance: Yeah.

utterance: You know that's funny. yeah, you know, my dad and I we get along just fine. I'm just messing around. He we'll have a beer now and then. But yeah, he is a good guy.

utterance: What about you? How how's your, what kind family you got going? You got kids and a wife and all that?

utterance: Just living a mile here in Tempe, Arizona. What kind of. What kind of beer you and your dad drink?

utterance: Oh yeah.

utterance: Well, we're actually up in the mid early's from the mid-west upper so a lot of PBR. A lot of Pabpt's Blue Ribbon.

utterance: Oh, that's a classic.

utterance: Oh, yeah. Oh, yeah.

utterance: And it really is not good. but it's a classic. Yeah.

utterance: Thank God we don't drink Milwaukee's Best anymore.

utterance: Yeah. Oh. Oh. Oh. You used to do that, huh?

utterance: That's right there with Natural Light isn't it?

utterance: It is, it is it's the

utterance: Yeah, kinda like in college when you when you need to buy forty of something you know you go out and you buy what what do they call them? A suit case? That was like a thirty pack or.

utterance: Oh man.

utterance: I'm not familiar with that. I didn't really go to a big drinking college.

utterance: Yeah that's.

utterance: Probably for the best. I don't think you missed out on much aside from you know hangovers and vomit and Yeah, I'll, I'll spare you the details on that one. Anyway, I'm sorry to get off-topic on that one. the what do you need from me to schedule this loan?

utterance: Well, I'm getting that PIN number processed right now. So next I would need your loan account number.

utterance: loan OK, here it is. Yeah, five seven three eight three nine six.

utterance: Uh-huh. And after that, I will need your payment bank account number.

utterance: Payment bank account, yeah one two four three zero nine eight.

utterance: All right, finally a payment routing number.

utterance: Yeah, nine eight three four three eight six two.

utterance: OK, I gonna put those all in and link those accounts, make sure that we can move one payment into the other and get this loan balance knocked down for you. OK, looks like that went through. And do you have a payment date in mind?

utterance: yeah. How about this coming Thursday?

utterance: This coming Thursday? That would be December twentieth?

utterance: Yeah, oh yeah the twentieth.

utterance: And for how much would you like to make that payment?

utterance: Twelve hundred.

utterance: Twelve hundred dollars even and zero cents. Correct?

utterance: Yeah.

utterance: You got it. So I will process that payment through for you for December twentieth in the amount of twelve hundred dollars. You'll receive a email verification. And since you are signed up for our text alerts, here I see on your profile, you should receive a text message as well. If there any trouble with that, you didn't receive confirmation from us, let us know and give us a call back or email us or log into your account, and you would be able to see if that payment was made on your behalf interacting with those two accounts that you provided today. Is there anything else I can help you with while I have you on the phone?

utterance: that was that wasn't a recurring payment, right? It's just a one time that I scheduled?

utterance: No, sir. We just schedule a one time payment for you today for December twentieth in the amount of twelve hundred dollars.

utterance: OK, perfect. Yeah, that was it.

utterance: OK, well thank you for being an Intellibank valued customer since August ninth, two thousand nineteen. You have yourself a great day.

utterance: Hey, hey. Bottoms up.

utterance: Bye bye.


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

utterance: Hey Leslie. How you doing and I feel sorry for you today.

utterance: Oh no.

utterance: Mm yeah. Yeah you. You got me and I'm not happy.

utterance: I'm so sorry. Maybe I can help you and change that.

utterance: pretty doubtful I. I. I think it's This ship is sailed. It's too late. I'm ready to just terminate things with your bank. I. I. I. I. I'm done.

utterance: I am so very sorry and I would love to try to help if I can. . Tell me what's going on?

utterance: D~

utterance: Damage is done. I'm tired of it. I. I just you know. There there's fees and charges and this and that. You try to talk to somebody you get the run around. Nobody seems to know what they're doing over at Intellibank. It's not intelligent at all what's happening there. And and I'm just done. I'm tired of it, and and I'm, I'm sorry, you know, you might not be the problem. You might be the problem. Who knows? It's your co-workers. It's the company. It's the president. It's everybody involved in Intellibank and I'm done. Close my account. Done. Terminate it. Give me the money. Transfer it to my new bank now.

utterance: I am absolutely here to do whatever you want to do.

utterance: OK.

utterance: I am so sorry. Are you sure there is nothing? OK.

utterance: I'm absolutely.

utterance: Freaking positive.

utterance: What can I do to help you? Do you just? You just wanna close your account? You don't want anything?

utterance: You can

utterance: Close the account. That's what you can do.

utterance: OK. No

utterance: Problem at all. I just need some. I just need you to answer some questions and I'll make it as quick as possible. I'm so sorry. I understand how you're feeling. what is your first and last name?

utterance: Please.

utterance: my name is Darin Madden.

utterance: How do you spell your last name?

utterance: M A D as in mad. D E N.

utterance: Mhm.

utterance: OK.

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

utterance: It's March tenth nineteen seventy.

utterance: OK and your pin number.

utterance: the pin is one zero seven zero.

utterance: OK and let me have the account number that you would like to close.

utterance: the account number is oh eight.

utterance: OK.

utterance: Oh nine.

utterance: Mhm.

utterance: Three three.

utterance: Mhm.

utterance: Two one.

utterance: Mhm.

utterance: Seven five.

utterance: OK and what is the reason that you want to close this?

utterance: Absolute disgust of your bank.

utterance: I am so sorry. I feel horrible. Is there anything that I. We can talk about? Maybe I can help you with?

utterance: No it's not. No.

utterance: No I'm no. Not at all. I. I. I've. I. I. I've put up with it long enough and I'm just tired of dealing with it and just not satisfied at all. And I'm. I'm taking my business elsewhere, that's all.

utterance: OK. Are you sure? I can get a manager for you?

utterance: Problem solved.

utterance: Positive.

utterance: no.

utterance: Nothing?

utterance: No. Can't be done. Can't be seen.

utterance: OK.

utterance: OK.

utterance: I totally understand. Do you have another account? And another deposit account type? That I can put your balance into? OK. Whenever you're ready I'll take that.

utterance: I did. Yes I did.

utterance: Let me Let me give you the routing number for the the new bank.

utterance: OK.

utterance: OK it's zero. Three.

utterance: Mhm.

utterance: Mhm.

utterance: Six.

utterance: OK.

utterance: Zero zero one.

utterance: Mhm.

utterance: Eight five two.

utterance: And the account number?

utterance: that number is zero.

utterance: Mhm.

utterance: Three.

utterance: Mhm.

utterance: Five two. Six. One two one one three.

utterance: Mhm.

utterance: OK and what kind of account is that? Is it a checking?

utterance: That is a checking, yes.

utterance: OK perfect and I have. Right now I see that you have eight thousand seven hundred and forty two dollars.

utterance: Please. Yes.

utterance: OK. OK perfect. OK. So I'm gonna try to do that. So that'll take about twenty-four to forty-eight hours to deposit into the new account and then I put a note on your account. Absolutely close this account. It will be closed down as well between twenty-four and forty-eight hours.

utterance: OK.

utterance: I. was sooner. you know. I I can't believe that things have to end like this. After being you know, I hate I hate going through change and I gave you many years of business and I just I. I. I'm just disgusted and feel very just unwelcome at. At the bank and it's not just your doing or your fault but it's. It's your. Your company's. That you represent and I'm just and that's it. I. I. I. I'm done. the worst part is I. I. I need to turn around and ask you a a question and maybe you can give me an answer but I. I need to know a debt to ratio income for this quarter.

utterance: Mhm.

utterance: I know.

utterance: OK. Mr. Madden. Absolutely, I still want to help you. I am so sorry. I. I feel terribly. We. We don't want to end relationships like this but I understand how you feel. So you're looking for your income to debt ratio?

utterance: Yes.

utterance: OK what's the time period?

utterance: For this quarter. For this year.

utterance: OK for this quarter. OK. OK. So I need. So what you'll need to do is. You're gonna need to. I'll advise you on this. You need to add up your monthly bills.

utterance: Mhm.

utterance: Which may include, you know rent for the I'm assuming this is for your business.

utterance: Yes.

utterance: OK so like one's for the business and then you'll need to divide the total by your gross monthly income. Which is your income before taxes.

utterance: OK.

utterance: And then the result is your DTI which is your debt to income ratio which will be in the form of a percentage. So and the lower the DTI the less risky you are to lenders. Like if you need to take a loan out from someone else but what you can do is, which I advise. If you go to Wells Fargo dot com you can get all the information that you need through there. you can just put all your information in that.

utterance: Well what a coincidence that's my new bank. So now I might as well just talk to them and get the direct answers that I need.

utterance: Really?

utterance: Mhm.

utterance: OK. I am so sorry Mr. Madden and I hope that you find more comfort and more peace of mind in your new bank and I really apologize honestly and is there anything else?

utterance: No that's it. That's it. Nothing to apologize for. Not your fault. thank you for your time and take care.

utterance: Thank you.


utterance: Hi, thank you for calling Intellibank customer service. My name is Jarrod, and I'm here to give you a amazing customer service experience. How can I help you?

utterance: Hey what was your name again?

utterance: Jarrod.

utterance: Jarrod. Hi Jarrod. My name is Leo, or Leonardo. And I just need to, I need I want to ask you about your loans. Like what type of services programs, loans programs you guys offer.

utterance: fantastic, we have all sorts of loans that are available for our customers. We have term loans, secured loans, it all depends on what kind of loan you need or what kind of loan you qualify.

utterance: What's a. What's a. What's a.

utterance: What's a term loan?

utterance: A term loan is just a it's it's a basic loan that has less restrictions on it.

utterance: OK. So what's a secure loan?

utterance: A secure loan is a type of loan where you'll have to put some sort of collateral up in order to get the loan. For example, if you're asking for a loan that's ten thousand dollars, we would ask for some collateral of of a similar value.

utterance: so what if I didn't want to put collateral. Can can can it just be regular loans? Do you guys offer that? Just like I don't know.

utterance: We offer that. Yes. We absolutely offer that. It all depends on what kind of loan you qualify for based on your finances. So why don't we get into it and we'll take a look at your account. How about that?

utterance: OK.

utterance: Great.

utterance: Fantastic. Can I get your first name and last name.

utterance: OK, so Leonardo Pratt. P R A T T.

utterance: Fantastic, and your street address please?

utterance: Is five five five Forest Drive Suite one one zero one Las Vegas, Nevada nine seven one seven three.

utterance: Fantastic. And can I get your social security number?

utterance: Sure, it's three one three zero nine two two nine zero.

utterance: Great. Just putting that in there. And can I get your driver's license?

utterance: yeah it's D six seven two four four one four.

utterance: Grea, and what state would that be?

utterance: In Nevada, sorry.

utterance: Oh, no problem. Can I get your PIN number for the account?

utterance: Yeah, it's eight eight one five.

utterance: Fantastic. And can I get an email?

utterance: Email is Leonardo Pratt, spelled out eighty-eight at Yahoo dot com.

utterance: Fantastic. And the business name?

utterance: Is sweet water and tea and spelled out.

utterance: All right, sweet water and tea, fantastic. And are you the sole owner of this business?

utterance: Yeah.

utterance: I am, yeah.

utterance: Great. And when was the business establishment date?

utterance: OK, lets see it was five years after. Two thousand thirteen.

utterance: And do you have an exact.

utterance: Yeah, yeah.

utterance: day for that?

utterance: OK, so summer is it was July, July two thousand and thirteen.

utterance: Fantastic. All right, and what are you gross annual sales?

utterance: Oh man, we just hit a milestone last year, we did five hundred thousand so I think we'll be on pace for like five, five ten this year. Five hundred and ten thousand as well, is what I'll say.

utterance: Oh, that's fantastic to hear and that'll definitely help with your loan. What is your tax ID number?

utterance: It's eight two two four one two.

utterance: Great. And can I get the business street address?

utterance: Yes, it is two two four West Cathedral Boulevard, in Las Vegas Nevada, nine seven one seven three.

utterance: Fantastic. And can I use that address for your mailing address as well?

utterance: Yes you can.

utterance: All right, I'm gonna go ahead and copy and paste that over. OK. So, let's get down to the nitty gritty of the loan. How much are you looking to to loan out?

utterance: Yeah, I need about a hundred thousand dollars.

utterance: All right, a hundred thousand dollars. So in order to get a loan of hundred thousand dollars, I'll also need to know the purpose.

utterance: Yeah, you see yeah it's a coffee house, and it's it's adjacent to and exotic dance club. And I need the money to pay employees for labor because I wanna expand my hours. I just put in an application through the city for the city ordinance to expand your hours because we're getting a lot of customers really late at night. You know, they're coming in from from the night club dance club. Early in the morning too, the people who work in the night club coming in So yeah I just need all that money. It's It's been really good. I'm kind of a fan of the night club too. Where we're like good friends, we borrow stuff from each other, they borrowed some ice from us last week yeah. So we just wanna expand our hours to kinda match theirs. You know, we have a lot of overlapping customers. so yeah.

utterance: Well that's fantastic, it sounds like you're gonna have a lot of business coming up in the future.

utterance: Mhm.

utterance: based on the loan amount and your previous records the loan that will be available to you is a secured loan. Which means that you'll have to put up a collateral.

utterance: Mhm.

utterance: so the secured loan will have a two point nine percent interest on it.

utterance: Mhm.

utterance: If paid back over twelve months. Does that seem like an appropriate loan term for you?

utterance: OK.

utterance: Yeah.

utterance: I think I can do that.

utterance: OK, so I'm gonna go ahead and lock you in for twelve months for a twelve month long loan term. and did I already ask what type of collateral you were putting up?

utterance: I'm gonna put my car.

utterance: You're gonna put your car up and your car is about of equal value to the loan?

utterance: Yeah.

utterance: Yeah.

utterance: Yeah.

utterance: OK, great. Fantastic. So I'm gonna be sending you some information over email and you'll be able to upload your supporting business documents either online or on the mobile app. We'll be requesting some of that information just to verify the loan amount and the collateral type if all that goes according to plan, you'll be approved for your loan in at most seven days.

utterance: Sounds good.

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

utterance: No sir.

utterance: Alright, I hope you have a great day.

utterance: You too.


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

utterance: Hi Daniel, I'm calling because I want to know what I have to send in, its the FAQ required business documentation. What are the requirements I have to send about opening up a new account or even considering taking out a loan?

utterance: OK. so I think probably what you're asking for is our FAQ required business documentation and I can get that for you. did you say that you already have an existing account with us here at Intellibank?

utterance: didn't say it but yeah, I do, good guess.

utterance: All right then, then the easiest and quickest way to do this, is going to be to pull up your existing account. So, let's get started by giving me your full first and last name as it appears on your account.

utterance: Brad Sackman.

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

utterance: May twenty second, nineteen ninety.

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

utterance: Three eight two seven.

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

utterance: Six zero four. three eight eight.

utterance: All right. Give me just a moment here while this loads.

utterance: What Why is there always a OK. It always gets, it always gets hung up at some point like when I call you guys, somebody always says something has to load.

utterance: Yeah, unfortunately, they have not updated our systems here in a long time. We are on some very old equipment and, we also have very poor internet speeds.

utterance: its unbelievable, because I'm an independent business owner and I am able to get all the proper technology for my company and a major company like you guys can't get it together, it just blows my mind. It doesn't even make sense financially, the work force that you guys are able to afford and employ, versus what I'm doing. It it it just blows my mind. Its kinda everything that's wrong with with the the whole thing.

utterance: I completely understand, sir. And yeah I'd like to also let you know that its just as frustrating for us here that work at Intellibank. when when this call is done, would you mind taking a quick fifteen minute survey? at at which point, you could describe your frustration? It would possibly help us get new equipment.

utterance: I'll consider it, but the fact that this already consumes more of my time than I want, asking for even more time after that is I wish there was a better way of going about that too. Like, can't they Huh, can't they just get it from their customers? I mean, I'm telling you right now. I have to take a survey? Can't you tell somebody, that I told you? I'm talking about a person.

utterance: I'm sorry about that. That is unfortunately not how it works, but no pressure, you don't need to take that survey. so, I do have your account all pulled up here. And I can go ahead and provide you with the information that you requested. So, what you would need is you would need to confirm some pieces of information that we already have on file for you. You would need to let us know your social security number, your drivers license number or state issued ID, your business's tax ID number, your email address, your mailing address, the name of your business, whether or not you're the sole owner of the business, the established date of your business, your gross annual sales, the purpose and amount of the loan, if it is a loan you're requesting, and then we would need some physical documentation as well. We would need copies of your business license, two years of personal tax returns, two years of business tax returns, and two years of year-end financial statements. And those do need to be either mailed in or walked into a bank. And, that's that. Is there anything else I can help you with today?

utterance: Well, that's enough of my time taking. I'm going to be late for my business dinner now. Thank you.

utterance: I am

utterance: Very sorry to hear that. You have a wonderful rest of your day and thank you for calling Intellibank. Goodbye.

utterance: Bye.


utterance: Thank you for calling Intellibank, this is Laurie, how may I help you today?

utterance: Hello Laurie, I would like to set up an automatic billing account.

utterance: Start up automatic billing on your account?

utterance: Yes.

utterance: Sure I can help you with that.

utterance: You see I'm just to busy to keep up with it and, and don't want to be late.

utterance: I totally understand sir. Let me just get some information from you, OK?

utterance: Sure, how's your day going?

utterance: It's going great. I can't complain, beautiful weather.

utterance: Yes, yes we're having a nice day also.

utterance: Oh I'm glad to hear you're not a part of that nasty cold front that I saw coming.

utterance: No, no weather's still nice here.

utterance: Beautiful, beautiful.

utterance: Yeah it is.

utterance: All right sir, can I have your full name?

utterance: Alexander Lopez.

utterance: Date of birth?

utterance: Six six sixty-two.

utterance: Can I have your pin number please?

utterance: Six two six two.

utterance: That was six two six two?

utterance: Yes.

utterance: Thank you sir, give me one moment while my system does a little update here, okay?

utterance: Okay.

utterance: Did you by chance see that Yankee's game yesterday?

utterance: Yes I did.

utterance: That was very exciting, wasn't it?

utterance: Yes, very.

utterance: They had me thinking for a minute there in the end that they weren't gonna win but they pulled it off didn't they?

utterance: They sure did.

utterance: All right sir. Oh no I'm not a gambling woman, how about yourself?

utterance: Did you bet any money on them?

utterance: Yeah I did.

utterance: Oh great, excellent. So somebody's got something to write home about.

utterance: Yep.

utterance: Awesome. All right sir, can I get the the recipients name please.

utterance: OK. Myer.

utterance: Can you spell that for me?

utterance: M Y E R.

utterance: That was M Y E R?

utterance: Yes.

utterance: That's an interesting name. And the recipient address please.

utterance: Twenty-one hundred South Tenth Street.

utterance: And that's in what city and state sir?

utterance: Fort Lauderdale Florida.

utterance: And the ZIP code please.

utterance: Three three three zero eight.

utterance: Let me just repeat this back, OK?

utterance: Yes.

utterance: That was twenty-one hundred South Tenth Street in the city of beautiful Fort Lauderdale Florida. ZIP code, three three three zero eight.

utterance: Yes.

utterance: And may I have the source account number?

utterance: That is. Can you hang on a second?

utterance: Absolutely.

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

utterance: Thank you sir for that information. That was six three two eight seven one two nine eight?

utterance: Correct.

utterance: And how would you like this payment made?

utterance: Electronic transfer please.

utterance: And the destination account number?

utterance: Eight three nine two one seven six five four.

utterance: Let me just repeat that back sir. That was account number, eight three nine two one seven six five four?

utterance: Yes.

utterance: Thank you . And the destination routing number?

utterance: OK. Six three two one eight nine three two one.

utterance: All right sir, you are all set. You will be receiving an email confirmation with this information. Let me just confirm your email address we have one file, OK?

utterance: Yes.

utterance: Sure, I have A L O P E Z at Gmail dot com. Is that still correct sir?

utterance: Yes.

utterance: Excellent, is there anything else I can do for you today mister Lopez?

utterance: Yes, how can I check my account online?

utterance: Oh, yes sir. You can just go to WWW dot Intellibank dot com and search for our online services.

utterance: OK, thank you.

utterance: You're very welcome sir, you have a great day, OK?

utterance: Yes, you too.

utterance: All right, buh bye now.

utterance: Bye.


utterance: Good morning. Thank you for calling Intellibank. This is Jackson Johnson. How can I help you?

utterance: Oh hi Jackson Johnson.

utterance: Hi.

utterance: I was looking for a couple of things today that I'll need some help with.

utterance: Mkay.

utterance: first my name is Mindy Ladell.

utterance: Minday Ladell, how are you?

utterance: I'm OK. so I need to know the consumer price index for my last quarter's percentage of food bought.

utterance: Sure.

utterance: Sure, sure sure. Let's. So let's see here. Last quarter? It was about four thousand was about twenty-five percent.

utterance: OK. Is that pretty average? Is it.

utterance: It's a little. It's on the higher end, but It's little bit, but it's OK.

utterance: Yeah.

utterance: OK. is there anything that you're aware of that I can do to get that consumer rate down or?

utterance: Yeah. The few. There is several things we could do. We can. The first thing we can always do, the easiest thing, is to just watch what we spend and watch where we're spending it at. The second thing you could do would be to watch how we're spending.

utterance: Mhm.

utterance: the third thing we could do is just make sure that we don't reached a certain amount every month.

utterance: Mhm. OK. That sounds good. Thank you.

utterance: Yeah. Of course.

utterance: And then the second part of my call reason for my call today is that I need to update my street address.

utterance: Oh, you need to update your street address?

utterance: Yeah.

utterance: Perfect. I can do that right now for you.

utterance: OK, great. My account number is seven two one three. Six two zero. Six two six two.

utterance: Seven two one three.

utterance: Six two zero.

utterance: Six two six two. Perfect. I'm in and your name again is?

utterance: Mhm.

utterance: You got it.

utterance: Oh yeah. and your birth date?

utterance: Zero four one one two three.

utterance: Zero four one one two three. I just wanted to verify for you. And the last four of your social?

utterance: I'm sorry. My social is the last two numbers are two three. My birth year is eighty-seven. I'm having a really long day today.

utterance: I apologize and I'm feeling very bad. I know we've all had those days and I sympathize with you.

utterance: Oh, thank you for your shown empathy. I really appreciate that.

utterance: Of course.

utterance: That's why I bank with Intellink.

utterance: Intellibank.

utterance: Right.

utterance: Yeah.

utterance: Thank you. Yeah.

utterance: Sure. I mean, you wanna. Yeah, of course. See here. OK and what's the address we're updating to?

utterance: what's the address you currently have on file?

utterance: I have three oh eight Bar Street.

utterance: Mhm.

utterance: New Orleans, Louisiana.

utterance: Yeah, so I'm moving to one oh eight. Date Street.

utterance: One oh eight.

utterance: Date Street.

utterance: Mhm. Same city, same state.

utterance: OK. Great and the same ZIP code?

utterance: Same ZIP code.

utterance: Oh. Must be a nice little neighborhood change.

utterance: Yeah.

utterance: Great. OK, I got you updated.

utterance: Mhm. Moving to a bigger location actually.

utterance: Oh, that's.

utterance: Perfect.

utterance: Yeah. That's why I was trying to That's why I was wondering about my index. My index rate

utterance: Yeah. Of

utterance: Course. Yeah. No, we always gotta. The the good thing is you're being proactive and figuring out how to do it beforehand.

utterance: Price.

utterance: Thank you.

utterance: Before you're in trouble.

utterance: Mm. Yeah. Yeah.

utterance: Well, that's great. That's very responsible of you. That's how people become successful.

utterance: Thank you. Yeah, I'm just a small business owner trying to keep my finances above above not below the the line.

utterance: Yeah.

utterance: Yeah.

utterance: Of course.

utterance: Uh-huh. You know I'm I'm wondering like I would like to access my banking information more readily available without having to take the time to make phone calls.

utterance: Oh, you know what? The . You know what would be perfect for you?

utterance: What?

utterance: our our app. Have you ever tried about online banking?

utterance: No.

utterance: well online banking is essentially anything you can do in front of a teller you can do with the app on the phone.

utterance: Oh.

utterance: You can check your balance, you could apply for a card, you could transfer money, you could deposit checks, you could pay people, you could receive pay. It's all great.

utterance: Oh.

utterance: Oh, perfect.

utterance: Would you?

utterance: Like information on that?

utterance: Oh, you know what? Yeah, like I can just go download the app right now?

utterance: You can. I can send you a link for it as well.

utterance: That would be magnificent.

utterance: All right. Let me send that over your way to the email. Is the email on file still the same email?

utterance: Thank you.

utterance: Can you text it to me?

utterance: Sure, I'll text it to you.

utterance: Well, yeah. Just it is probably the same email too but yeah text would be ideal.

utterance: Oh yeah I'll text it .

utterance: Well, I'll text it right now. It's your You should get it here in a sec.

utterance: Oh.

utterance: Oh! I got it!

utterance: Oh wow.

utterance: Yeah.

utterance: what a time to be alive.

utterance: That's what I'm saying.

utterance: It's like It's like you know it's like the it's like two thousand one. We're living in Star Wars times. All right. I'll talk to you later.

utterance: OK, bye.

utterance: Bye.