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

utterance: yes I've got an intel savings account, and I was curious as to what other services that you offer.

utterance: Did you mean an Intellibank savings account?

utterance: Yes.

utterance: All right yes we do offer a variety of other services. we have corporate credit cards we have two types of checking accounts, investment accounts, and then we offer a variety of different kinds of loans.

utterance: OK I'm interested in your checking accounts what types do you have?

utterance: yes we have our Intellibank business total checking and our Intellibank business preferred checking.

utterance: OK can I can I open a business total checking account?

utterance: Absolutely I can do that for you. can I have your name please?

utterance: OK.

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

utterance: Thank you, and can I have your street address?

utterance: Thirty-six Edgemont Lane.

utterance: And what city is that located in sir?

utterance: Canyon Country.

utterance: And the state?

utterance: California.

utterance: And ZIP code?

utterance: Nine one three eight seven.

utterance: Thank you. And then can I have your PIN number please?

utterance: OK hold on, let me let me go look it up.

utterance: No problem.

utterance: OK I found it.

utterance: All right sir.

utterance: One zero six two.

utterance: Thank you very much. I've verified that. And, can I have your social security number please?

utterance: Three nine five, two six, eight zero one one.

utterance: All right, that's three nine five, two six, eight zero one one correct?

utterance: Yes.

utterance: Thank you, and the drivers license number and state of issuance?

utterance: O M five three, D V H A I Q nine. California.

utterance: OK so that is O M five three, D V H A, I Q nine issuing state California?

utterance: That's correct.

utterance: Thank you very much. And then a good email address for this account?

utterance: OK I may have two email addresses on file. I'll give you both of them.

utterance: All right.

utterance: I've got email, D Thomas at Gmail dot com and then I got, Thomas Customs at Gmail dot com. I can't remember which one I've got set up with my savings account. So I'd like to use it.

utterance: OK that appears to be the Thomas Customs at Gmail dot come.

utterance: OK let's use that one.

utterance: All right can do. And then can I know the name of the business that this account will be for?

utterance: Thomas Custom Cabinets.

utterance: Thank you and are you the sole owner of that business?

utterance: Yes I am.

utterance: And when was that business established?

utterance: July two thousand eight.

utterance: Thank you and do you know the gross annual sales of the business?

utterance: About three hundred thousand a year.

utterance: All right thank you, and the tax ID number for your business?

utterance: Four five six eight two four five three one.

utterance: All right let me read that back. That's four five six, eight two four, five three one. Correct?

utterance: That's correct.

utterance: Thank you. And then the address for your business?

utterance: Seventy-six Sunbeam Drive, Canyon Country, California. Nine one three eight seven.

utterance: All right, thank you. And where would you like the mail for this account to be sent to?

utterance: let's send it to my business address.

utterance: All right we can certainly do that. And you were wanting the Intellibank total business checking account, is that correct?

utterance: That's correct.

utterance: All right, and what initial balance would you like to put in this account?

utterance: Five thousand.

utterance: All right, thank you. And then I'm going to need a account number for the funding account to put that money in there with.

utterance: OK. Hang on a second, let me look it up.

utterance: No problem.

utterance: OK this will be from my savings account, and the number is seven three zero six nine five six eight two nine.

utterance: Oh.

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

utterance: That's correct.

utterance: All right. and the routing number for that account please.

utterance: One seven zero, five five four nine two one.

utterance: OK and that is one seven zero, five five four nine two one. Correct?

utterance: That's correct.

utterance: All right sir. I've gone ahead and opened that new checking account for you and with an initial balance of five thousand dollars funded from your savings account that you gave me and is there anything else that I can assist you with?

utterance: I would like to have some checks.

utterance: OK I can certainly do that. Where would you like those checks mailed to?

utterance: let's send it to my business address.

utterance: OK, and how many checks would you like?

utterance: two hundred.

utterance: All right. I will get those sent out to you, and you should receive those in three to five business days.

utterance: All right. That sounds great.

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

utterance: I can't think of anything.

utterance: OK well thank you for calling Intellibank, and you have a fantastic day.

utterance: All right, thank you.

utterance: Thank you.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes I need to change my PIN number.

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

utterance: My name is Everlyn Richards.

utterance: OK and Miss Richards, what business are you with?

utterance: I'm at Ray's Groceries.

utterance: OK and Miss Richards, if you would let me just ask what is your date of birth?

utterance: It's eleven eight eighty-four. And my phone number is six seven eight three six one four two five three.

utterance: OK, terrific terrific. Glad to have gotten that information. And you said you wanted to call the change the PIN number?

utterance: Yes.

utterance: OK and is this for the business silver card?

utterance: It is.

utterance: OK if you would Miss Richards, what is you business silver card number?

utterance: It is four four seven nine. Oh just a second. Hold on one moment. Let me be sure here.

utterance: Sure, no problem.

utterance: All right, it is three four seven nine.

utterance: Pardon me again, just so that you know, all of our business silver card number start with the number four.

utterance: Oh OK, all right. Alright well good. I did have it. I just did had to put you on hold for a minute and go check to be sure.

utterance: No problem.

utterance: OK. All right well it is four four seven nine.

utterance: Mhm.

utterance: Three nine two six seven four four six two five six two.

utterance: OK. And that number is again four four seven nine three nine two six seven four four six two five six two for your business silver card?

utterance: Yes it is.

utterance: All right. Terrific. Yes ma'am. I do have that pulled up for Ray's Grocers. Groceries there Miss Richards. And if you would what is your current PIN number that you have on the account?

utterance: It is two three one two.

utterance: OK, two three one two is your current PIN number and Miss Richards, what did you wanna change the PIN number to?

utterance: Seven zero zero two.

utterance: OK, terrific. Seven seven zero two.

utterance: Yes, and you know I tell you this weather. It has it just gets beautiful during the day which I do love the fall weather then it gets cold at night but I tell you it it's just that time of year.

utterance: Indeed it is. you know it's fall time you know some people really love this time of year because it's not too hot, not too cold the leaves are changing on the trees so it can be a beautiful time but you're right, it can you know the it is a a beginning of the changing of the weather.

utterance: It is and I do like the fall weather cuz wear your sweaters and scarves and things like that.

utterance: Absolutely absolutely. I agree with you completely and it looks like we were able to get that changed for you with the PIN number there Miss Richards.

utterance: OK.

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

utterance: Yes could you just tell me a little bit about the preferable checking?

utterance: Absolutely! Thanks for asking here. At Intellibank we offer the business preferred checking and with business preferred checking what you're able to do that is our highest level of checking for our small business partners and for our business partners in general and it has a few additional features that we offer our business clients so for instance it has the ability for a higher interest rate that you're able to accumulate if you leave at least a hundred thousand dollars in the account. Also you have the ability to authorize additional users so for instance your chief financial officer or your head of accounting they're able to assist in setting up accounts so that the payroll is set up so that when you need to for instance disperse payroll, it helps you with those functions. if you have fifty or more employees so that those are prescheduled in advance so that let's say for instance by midnight of the day of the pay date the funds are already dispersed to your employees accounts. I and some other functionalities such as cash management, treasury management that we offer our business partners with the business preferred checking account.

utterance: OK good. I like that you said it's the highest. I like that.

utterance: Well we'd certainly love to have you all consider getting that account with us. If you don't have it all you have to do is just let us know and the process is fairly simple. you know you just need to have a minimum deposit of five thousand dollars to open that account or transfer from your existing account and the only thing about that particular account I would say because of the additional functionality of the account, there are those also you know a additional monthly charge for that particular account of of fifty dollars a month.

utterance: OK, great. Thank you for all that information.

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

utterance: No.

utterance: No.

utterance: All right. Well thanks for giving us a call and you have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank. This is Dave. How may I help you today?

utterance: Hey Dave, this is Michael and looking to do bit of a transfer from one of my accounts to another one of my accounts. both at your bank. Not not some new thing out of house. is that something I can do over the phone with you?

utterance: Yes, you absolutely can do that over the phone with us. First I just need a few pieces of information from you.

utterance: sure thing I got it all ready before I called. I always make sure before I call these places get it all together. Have it all ready. That way there's no wasting time. I got the name. I got everything written down ready to go. I'm all prepared.

utterance: What is your name?

utterance: Oh that's good to be prepared sir. Thank you very much for being prepared for this phone call. What is your name?

utterance: Oh Michael.

utterance: Michael, right OK. And what is your last name?

utterance: Patterson.

utterance: Michael Patterson. OK. OK Mr. Patterson, what is your four digit security PIN for this account?

utterance: six three six four.

utterance: Six three six four. OK, thank you very much. And your date of birth sir?

utterance: two twenty eighty-nine.

utterance: Two twenty eighty-nine. OK great. so.

utterance: Then my mother's maiden name is Brookes and my street address is seventy-two eighty-nine Woodman. my last four of my social is four four two eight. anything else you need?

utterance: Well actually thank you for having those ready but the other security check that we have is actually what elementary school did you attend?

utterance: Got you. that would've be Jefferson.

utterance: Jefferson Elementary. OK, that's what we have here.

utterance: Sorry I took you on the long way.

utterance: Oh that's no problem. We'll we'll loop as long as we get the information correct at the end and everything checks out, we're totally fine.

utterance: Great.

utterance: So you would like to just confirming what you what you wanted to transfer you wanted to make an internal transfer. Is that correct sir?

utterance: Internal transfer. Doing it you got two accounts with you guys. I got a checking, I got a savings and just looking to get a little bit of that savings into that checking so I can spend her you know?

utterance: I understand that yes. How much would you like to transfer from your savings account into your checking account today?

utterance: How much do I have in the savings?

utterance: You have ten thousand dollars even.

utterance: Let's do five thousand dollars from the savings into the checking.

utterance: So just to confirm, you want five thousand dollars transferred from your savings account into your checking account which would give you a balance of five thousand one hundred and five dollars and fifty-five cents?

utterance: I think so. Let me think about that before I do that. I think that'll be enough. I'm using this for a computer. You think that'll be enough?

utterance: Well I I I don't know sir. It depends on what type of computer you were trying to buy. I mean they have different price points and .

utterance: I'm gonna get one of

utterance: Those one of those new Mac laptops. What do you think about those?

utterance: I personally don't have one of those but I've heard they're good with the the new chip that they have.

utterance: Do you have a laptop at all?

utterance: no sir, I have a I have an iMac in front of me so it's not a laptop.

utterance: Nice.

utterance: It's like both. It's like a desktop and a laptop.

utterance: It does have a bit of the the portability. It's not quite a laptop but I can pick it up quite easy and take it on the subway and go to a coffee shop and set it up pretty quickly.

utterance: You know I think I will do the five thousand transferred and I've I assume that's gonna be enough. If not I can always call you guys back up and do another transfer. It's just that easy right?

utterance: Yeah absolutely. There is a limit of five per month though so you're nowhere near that at this point but you know just if you make more than five transfers a month, there's a ten dollar surcharge for each of them. But so far according to your history, it doesn't look like you make very many internal transfers so I doubt that that will be an issue.

utterance: Oh.

utterance: Great. Then let's just go ahead and do the five thousand.

utterance: OK. I will send the transfer over right now and that's all it takes. A couple of seconds and it should be available instantly. You now have five thousand one hundred and fifty dollars and fifty-five cents in your checking account.

utterance: Perfect! If I need anything more I'll just give you guys another ring.

utterance: All right. Is there anything else I could help you with today sir?

utterance: No, you took care of me. That was fantastic.

utterance: OK, well thank you very much for calling Intellibank. my name is Dave and please call back if you ever need our services again.

utterance: Will do. Thank you very much.


utterance: Good morning. Thank you for calling Intellibank. My name is Jean. How may I assist you today?

utterance: Jean, I saw a billboard that was stating that SVA loans that you guys are starting to offer SVA seven A loans. And wanted to get some information on that. See if I can apply for one.

utterance: OK sure. We are offering both the SVA seven A and the five oh four loans.

utterance: OK.

utterance: For the the seven A's are general loans for your business. The five oh four is more geared towards real estate property and purchasing of of mortgages, real estate, things like that.

utterance: OK got it. All right. So for a real estate purchase this would be something that that would be good for?

utterance: Yes, then you'd wanna go for the five oh four.

utterance: OK.

utterance: And SVAs are a great advantage right now during these times because the interest rates are lower they're backed by the federal government so they're easier it's easier to get an approval than just doing a straight term loan.

utterance: OK well let's let's run the numbers and see if we can buy a new property.

utterance: OK great. let me go ahead and get you started. I'm assuming that means you'd like to apply right now?

utterance: Yes, I'd like to apply right now.

utterance: OK great. What is your name please?

utterance: My name is Melvin James.

utterance: Is that Melvin? M E L V I N?

utterance: That's correct yes.

utterance: OK.

utterance: And last name is James?

utterance: Yes.

utterance: All right great. And may I just please get your four digit pin number so I can pull up your accounts?

utterance: Five seven eight nine.

utterance: Great. All right OK great this gives me access to all your account information. And what is your home address?

utterance: Five seven eight five Orange Avenue Long Beach California nine zero eight zero two.

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

utterance: Five two four three two three nine eight eight six.

utterance: Nine eight eight six?

utterance: Yes.

utterance: Great. And next will be your driver's license number and the state it was issued.

utterance: It's California driver's license. Six two six three two three eight one eight one.

utterance: Eight one eight one. OK. and what is the best email address for us to have on file for you?

utterance: You can reach me at Mel J at mister dot com.

utterance: OK great. And are you the sole owner of your business?

utterance: Yes, I am.

utterance: OK great.

utterance: I'm the only mister.

utterance: You're the only mister.

utterance: Only one.

utterance: OK. And what year did the mister establish your business?

utterance: Mister was established in twenty twelve.

utterance: Twenty twelve. OK great.

utterance: Almost.

utterance: Ten years.

utterance: Yeah, congratulations. not easy to do these days.

utterance: Thank you.

utterance: Not at all.

utterance: All right and your gross annual sales? You can choose either two thousand nineteen or two thousand twenty. Just pick the year that had the better sales.

utterance: three hundred and seventy-five thousand last year.

utterance: OK for two thousand twenty, yeah. OK great. and your tax ID number, please?

utterance: Yes.

utterance: My tax ID is five two seven eight four seven five two eight nine.

utterance: OK great. And the address where your business is located?

utterance: Six one eight nine Oriel Drive suite three. Los Angeles California nine zero zero zero eight.

utterance: Terrific. All right is your mailing address the same as your business address?

utterance: Yes, it is.

utterance: OK great. And what is the purpose of your loan?

utterance: the purpose is we are wanting to buy a an upgraded property with lead certified lights and all that type of stuff for energy efficiency.

utterance: Great OK so it's would you consider this an expansion of your business?

utterance: Absolutely.

utterance: OK great. So expanding the business and extending property.

utterance: Yes.

utterance: OK great just inputting that into the system. OK terrific. and upon approval you will be required to put down a down payment between five to twenty percent. And that would be due within the first week of the first five business days after approval.

utterance: OK.

utterance: How much would you like to put down?

utterance: ten percent.

utterance: Ten percent. OK very good. And then if you're approved we can fund the money directly into your total business checking account number. Is that where you'd like the money to go?

utterance: Yes. savings. The the savings account.

utterance: Oh.

utterance: Oh the savings. OK the Intellibank save smart savings. OK great. I'll go ahead and generate that routing number. OK. You are complete on our end. And all you will hear back with us from us within seven to ten business days. That completes your application. Is there anything else I can do for you Mr. James?

utterance: Can you put it in the savings please?

utterance: Yes.

utterance: No. No that's it. Thank you so much.

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

utterance: You too.


utterance: Intellibank.

utterance: Hello.

utterance: Hi.

utterance: You're speaking with Jeff.

utterance: Hi.

utterance: Hi Jeff. Jeffrey?

utterance: Rey.

utterance: Two words. Jeff Ree.

utterance: Jeff Free?

utterance: Ree.

utterance: Jeff Ree.

utterance: Jeff Ree.

utterance: Jeff is the first name.

utterance: Mhm.

utterance: Ree is the second? Last name. I thought it might be your middle.

utterance: My last name.

utterance: No. Jeff Ree. How can I help you?

utterance: What's your day been like, Jeff Ree before we get into it?

utterance: Well

utterance: You know, it's New York City. It's go, go, go. It's a lot of business going on. So, you know, just trying to hang on. Like a kitty. On a branch.

utterance: Yeah.

utterance: With your claws out or claws in?

utterance: Do you got.

utterance: Well the claws are hanging on to the branch, you know?

utterance: Yeah.

utterance: It's a good

utterance: Thing you weren't declawed as a baby.

utterance: That's right. Old Jeff Ree is hanging in there.

utterance: So you.

utterance: Got your soft paw on the branch.

utterance: So how.

utterance: Can I help you?

utterance: OK, I'm just wondering about my credit card due balance.

utterance: OK, go ahead and give me your credit card number.

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

utterance: Mhm. What's that date of birth?

utterance: Oh. The date of birth? So I didn't open this account, somebody else did. So would it be their information or mine?

utterance: Well who's the card name under?

utterance: Robert. Robert Cresiso.

utterance: And what's your name?

utterance: My name is Lynn Dowel.

utterance: Well I think you're gonna need to get Robert's information.

utterance: Well I should have been added oh, I need to give Robert's information?

utterance: Yes, that's right.

utterance: OK, so his birthdate is four eleven.

utterance: OK.

utterance: Uh-huh.

utterance: What year?

utterance: You know, something about the way you're asking me these questions is just really giving me a hankering for some churros.

utterance: Is that Well, ma'am I don't know why, but I guess you could get those when you're done with the call.

utterance: Can you just, I just would like to microwave a churro right now.

utterance: Well do you have any churros on you?

utterance: Mhm.

utterance: Well go ahead and microwave one.

utterance: Frozen.

utterance: OK. You don't mind to wait?

utterance: No, I'll wait.

utterance: OK. Well, you know, I guess I could talk over the beeping of the microwave.

utterance: I guess you could.

utterance: So it was the year you were looking for?

utterance: That's right, for Robert.

utterance: Robert's birth year is nineteen sixty-eight.

utterance: Nineteen sixty-eight. OK, great. And you're looking to pay the credit card balance on a credit card that's not yours, is that correct?

utterance: Mhm.

utterance: Yeah.

utterance: OK. The balance is fifty-two thousand and eight hundred and seventy-two dollars.

utterance: So

utterance: I don't wanna pay that. I just wanted to know what it was.

utterance: Oh, OK.

utterance: Uh-huh. My churro's done, and it's really hot. I still need to talk to you but I just I wanna blow on it so I can cool it down a little.

utterance: Well that's a

utterance: OK, blow ahead.

utterance: Mhm.

utterance: Mhm. Mhm.

utterance: Mhm.

utterance: OK, it's cooled down. .

utterance: Can't wait to hear that crunch of a churro. Mm. Oh, that's a good one. Oh, a double crunch.

utterance: Mm, I'm taking two bites at one time.

utterance: Has anyone told you about our platinum card?

utterance: No.

utterance: Well that is a hell of a card.

utterance: I could get it with his balance the way it is?

utterance: Absolutely.

utterance: OK.

utterance: And that is a two percent back on all purchases and a hundred dollar annual fee. What do you think about that?

utterance: What was the last thing?

utterance: Hundred dollar.

utterance: Yum. Hundred dollar fee? Hundred dollar fee?

utterance: Annual fee.

utterance: Annual fee. All right. I think Robert would be into it.

utterance: Now I have a question. Is Robert still alive?

utterance: What kind of question is?

utterance: Well

utterance: It's just somebody's calling in about somebody else's credit card, and you have different last names, and his status says single.

utterance: Uh-huh.

utterance: Uh-huh.

utterance: Uh-huh.

utterance: So I'm wondering, who are you?

utterance: Employee.

utterance: Employee.

utterance: Uh-huh.

utterance: Uh-huh. Mm-mm.

utterance: uh-huh. What are you, a detective or something?

utterance: Well, we all are heroes in our own way.

utterance: It's a lot of bites of my churro.

utterance: You know what that is? That's Morse Code. I just called the Navy.

utterance: Oh, shoot. Foiled again.

utterance: You're in big trouble.

utterance: I

utterance: Admit what I've done is wrong.

utterance: So this is now a confession?

utterance: I just wanna eat my sweet sweet crunchy churro.

utterance: You're gonna rot in hell.


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

utterance: hi Rose, my name is Kim. I am actually a little frustrated. I have been trying to access my business account online. I was trying yesterday and today cause I have some things that I need to care of. and I have not been able to do so, because every time I try to access the online the the online banking I can't get into your website. So, it it's it's super frustrating and that's why I'm calling today, because I need to add a user to my business account. And I'm also interested in applying for an SBO SBA five oh four loan you know for for help with my for my business, so I was just wondering if you would be able to help me out with both of those things?

utterance: I certainly can. And I just want to start off by saying, I'm so sorry for the frustration that has been caused to you by our online banking system being down. certainly you are one of many complaints that I have addressed. You know, today, about this same situation is extremely frustrating. For us as well, because it is a convenience tool that's supposed to be there for the customer and when that isn't provided then, unfortunately, we take the brunt of the frustration even though. You know, we're also still helping. Yeah so, I completely understand your frustration and I I apologize on behalf of Intellibank for that lack of of convenience. I did want to let you know, a ticket has been submitted about that issue, and it is supposed to be up and running again, within the next twenty-four hours. I know that isn't helpful right now but I did wanna let you know that that is something that is being worked on currently. And I've jotted down. I'm gonna. I'm sorry. I will jot down your email, so that I can send an email out to you and let you know when that system is back up. However, everything that you need help with, that you were gonna do online, I can help you with today. OK?

utterance: Right.

utterance: OK great, thank you!

utterance: You're very welcome. so the first thing we want to attack is setting up a new user for your business account? OK. All right. I'll have to get some information from you and then I'll be able to add that user. All right?

utterance: Yes.

utterance: Sure.

utterance: So I know you said your first name is Kim. Is that Kimberly or just Kim?

utterance: It's Kim and my last name is Johns. That's J O H N S.

utterance: OK. Thank you so Ms. Jones. And could you please provide for me your date of birth?

utterance: april twenty fourth ninety seventy-seven.

utterance: Thank you! And also your PIN?

utterance: Two four one zero.

utterance: Thank you ma'am. And can you please provide for me your account number?

utterance: Sure, my account number is one one two one zero zero zero five nine four.

utterance: Thank you! And I also need the new users first and last name.

utterance: first name is David and last name is Johns. J O H N S. that's my brother.

utterance: OK, thank you so much! And can you please provide the new users street address?

utterance: sure. His street address is, let me see, do I have this written down? He is on Chester Street. Here it is. it is twenty-four Chester Street, Philadelphia, Pennsylvania one nine one zero one.

utterance: OK. Thank you! And, let's see here. So you've given me his address. I will also need the new users social security number.

utterance: sure. His social security number is. Let me see here I've got that written down too.

utterance: OK. His social security number is one seven three seven five nine three zero four.

utterance: Thank you ma'am! And can you please also provide me with the new users drivers license number?

utterance: sure. His license number is eight one zero nine two one zero zero four five seven eight.

utterance: OK, thank you! And the new users drivers license state?

utterance: that's Pennsylvania.

utterance: OK. And I need the new users email address.

utterance: sure. It's D Johns D Johns. Let me see what it I'm trying to make out his writing, I'm so sorry.

utterance: Oh, that's OK!

utterance: D Johns seven zero eight at Gmail dot com.

utterance: Thank you. And then lastly, I need the date of birth and also the new users PIN.

utterance: OK. So, his date of birth is May twentieth of seventy-eight. And the PIN for him, for now I guess, do three six six three.

utterance: OK. All right, let's see here. I did want to inform you that the new user can customize. I mean, I'm sorry. You can customize permissions for the new user online also. And you know, for example, for him to authorize transactions, new bank statements and also transfer in between accounts. And I've added him, so that's set up. He will be receiving an email with that information here in just a few moments.

utterance: Mhm.

utterance: OK, perfect!

utterance: I've also sent a copy to your business email as well, so you have that information for your files. let's see here. OK and then the second thing you needed me to do, you wanted to apply for the five oh four SBA loan?

utterance: Yes, exactly!

utterance: OK. Bare with me just a moment while I pull that screen up.

utterance: OK.

utterance: OK. I do have some of this information. So it will sound a little ridiculous asking you again. But I just have to put it all in so bare with me OK? All right. So I do have your first and last name, Kim Johns. And can you please give me your street address once more?

utterance: Oh sure. It's no problem.

utterance: Sure. It's my street address is forty-nine Holland Drive, Philadelphia, Pennsylvania one nine one zero one.

utterance: Thank you! And your social security number?

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

utterance: Thank you. And your drivers license number?

utterance: sure. That's K three eight four seven two five two nine three.

utterance: Thank you ma'am! And can I please have your the state that your drivers license is from?

utterance: Pennsylvania.

utterance: OK. And your PIN?

utterance: Is two four one zero.

utterance: Thank you! And your email address?

utterance: It's K Johns seven seven seven at Gmail dot com.

utterance: Thank you! And the name of your business?

utterance: T, or excuse me, J B S Tanning.

utterance: Thank you. And are you the sole owner of this business Ms. Johns?

utterance: No, it's myself and my husband.

utterance: OK. And the business establishment date?

utterance: February twenty-second of two thousand and fourteen.

utterance: Thank you! Your gross annual sells?

utterance: six hundred and forty-five thousand dollars.

utterance: OK. And your tax ID number?

utterance: Sure. That's zero zero nine five four zero three three four.

utterance: is the business address the same as your mailing address?

utterance: the business address is seven four five Walnut Street. And that's Philadelphia, Pennsylvania one nine one zero one.

utterance: OK, thank you.

utterance: And what name. I'm sorry. What is the name of the state that you would like your mail to be sent?

utterance: Still it's still Philadelphia, Pennsylvania.

utterance: Thank you. OK. And also the purpose for this loan that you're requesting?

utterance: the loan purpose is to get some additional equipment for our tanning salon.

utterance: All right. And how much what is the amount that you would like to take out?

utterance: a hundred, or excuse me, five hundred thousand dollars.

utterance: OK. And also, for the down payment percentage, how much would you be able to put down to cover the down payment? Between five percent and twenty percent.

utterance: I was gonna say five percent.

utterance: OK. Thank you.

utterance: All right Ms. Johns. can you please send in your supporting business documentation and we will get back to you with the results, of your application. And is there anything else that I can do to help you today?

utterance: no, that's everything. I'll send those over as soon as I get it all together and I look forward to hearing from you guys. Thank you so much!

utterance: You are very welcome Ms. Johns. It was a pleasure helping you today! And thank you so much for using Intellibank.

utterance: Thank you! Bye bye.

utterance: Bye Bye.


utterance: Good afternoon and thank you for calling Intellibank. My name is Dillon. How may I be of service today?

utterance: Hi dillon. I'm hoping that maybe you can help me with my account.

utterance: Yes yes, I can definitely do that. I'm gonna need your first and last name so I can just pull you up in my system.

utterance: Yeah first name Pen, P E N. Last name Bardley B A R D L E Y.

utterance: All right Pen. And can I have your PIN number, Pen?

utterance: Yeah, yeah. It is seven zero seven two. That would be my PIN number.

utterance: Seven .

utterance: Seven zero seven two. And last thing is your birthday.

utterance: My birthday is April seventh, nineteen sixty.

utterance: April seventh, nineteen sixty. Fantastic, Pen. OK, I have your account pulled up here. Let me just check over it for a second. Bear with me. OK. Looks like you have a silver card and a cash back card with us. Both of those are in great standing. Looks like you have a pending auto loan as well. Congratulations on that. All right. So we're just updating an email here you said?

utterance: I I just haven't been getting a lot of a lot of communication and I was wondering if if if maybe if you did need an email. Yeah that that would be I I'd absolutely be fine with giving you an email I just haven't gotten a lot of communication. from from the bank recently about my accounts. Is this giving you an email? Will that help? Will will it help if you have an email on file?

utterance: Yes, it would definitely help. Since you have been having trouble receiving correspondence for us, can you confirm the phone number you have on file with us?

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

utterance: I can see where the wires were getting crossed here. We have that last number ending in three three nine one.

utterance: Mm.

utterance: So you're saying it's three three nine two?

utterance: Yeah, yeah. That's correct. That's correct. That would be that would be my phone number. That would be that would be one reason I I haven't been getting information Wow! Wow.

utterance: well thank you so much for that information and could you provide me with the email that you would like to put on?

utterance: Yeah yeah. Is there an email on there now? There there isn't. Right? There's there's no email or.

utterance: There is not. I'm sorry. I was confused. There is no email on here but we can certainly add one for you.

utterance: Yeah. Yeah. OK. Great. Are you are you ready for it?

utterance: I am ready.

utterance: OK. So it is Bardley, that's my last name, B A R D L E Y at me dot com.

utterance: OK. I have Bardley B A R D L E Y at me dot com?

utterance: Yeah yeah and I'm not I'm not very savvy with with with internet stuff but Will this, having this email, will I be getting regular updates about my account? is this is this the is this the norm to communicate by email instead of instead of phone?

utterance: Well we prefer to have email because we can send you sensitive documents that are encrypted, where and also password protected. And that's the most efficient way to send you those documents. Sometimes we need documents signed and returned to us. And that is also the most efficient way for that. You could always print it out, sign it, scan it, send us email us a photo. Or you can sign it digitally. In turn, you can also mail those documents in to us but, you know, in case they're time sensitive we prefer to do email so we can have those documents available to us immediately.

utterance: So would you say that interaction through email is faster than, say, going in or calling?

utterance: Certainly, certainly. And anything you almost anything you need to do that you'd have to show up for, you we can do over email. So I have that updated for you. is there anything else I can help you with? Looks like everything, as I said before, on your account looks great. So. Yeah is there anything else I can help you with today?

utterance: No, that's fantastic. I think now that I have my email updated things will be going much more smoothly.

utterance: Fantastic. Thank you so much for calling today Pen and I hope you enjoy the rest of your day.

utterance: Thank you.


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

utterance: Yes I called last week about my five hundred loan and I just wanted to make sure you got the payment.

utterance: Absolutely, I'll be happy to help you with that ma'am. I'll just need to ask you a few questions so I can pull up your account. Is that OK?

utterance: Yeah, that's OK. And I also wanna change my PIN.

utterance: Sure. Happy to help you with both of those issues, ma'am. first of all, if I could just ask. what is your first and last name?

utterance: Evelyn Richards.

utterance: And, Miss Richards, if I could ask. what is the name of the business that has an account with us on file?

utterance: Jones Bed and Bath.

utterance: OK and Ms. Richards, I'm gonna ask you a few questions just to verify your account because here at Intellibank, we take account security very seriously and it's really for your protection. Is that OK?

utterance: That's just fine.

utterance: Alright. And Miss Richards, if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: OK thanks. And, if I could just ask, what is your business address?

utterance: One zero seven five Layman's Court Smyrna, Georgia three zero zero zero two.

utterance: OK and, Miss Richards, if I could ask, what is your account number with us?

utterance: My account number is three two eight one seven four.

utterance: All right and what is your current PIN number?

utterance: One zero one seven.

utterance: OK, thank you for that Miss Richards. I was able to verify and pull up your account. And you mentioned that you wanted to of course make sure you change your PIN number. Is that correct?

utterance: Yes. I wanna do that as well as I want to you know, make sure that you got my payment on my five hundred loan.

utterance: OK. Terrific, terrific. first as I already am here at this part of the system ma'am I'll go ahead and update your PIN number. your current PIN number that you gave me is ten seventeen, is that correct?

utterance: Correct.

utterance: Alright and what's the new PIN number that you want to change your current PIN number to?

utterance: Yeah I wanna change to two eight zero nine.

utterance: OK. So you wanna change your current PIN to two eight zero nine?

utterance: Right.

utterance: Alright. Let me see if I can get this processed here for you.

utterance: OK thank you so much I really appreciate that.

utterance: Not a problem at all.

utterance: OK and you know I tell you I am enjoying this Braves game that I'm watching with the Astros. I am excited about all of this it is just wonderful.

utterance: You know baseball used to be what they call. Still is I suppose. What they called America's pastime.

utterance: Oh yes!

utterance: And you know as America's pastime going back to the days of Babe Ruth and Willie Mays and many of the old greats Yogi Berra. And so it's great to see that you even now to this day are enjoying again America's pastime.

utterance: I totally agree with such great names.

utterance: And the Braves of course have surprised quite a few folks this year.

utterance: Oh yeah. And don't forget, Hank Aaron.

utterance: Of course, Mr. Hank Aaron I think still is the home run king, in my opinion.

utterance: I agree.

utterance: Now Ms. Richards, I was able to go ahead and process the PIN change as you requested. And now you mentioned, of course wanting to check if we've received payment on your SBA five oh four loan?

utterance: Yes.

utterance: OK, not a problem at all. let me see if I can pull up that account as well. Ms. Richards, do you have your SBA loan account number?

utterance: Yes.

utterance: Alright, and that number is?

utterance: Six one zero four nine one.

utterance: Thank you for that. That's six one zero four nine one.

utterance: That's right.

utterance: Alright and Ms. Richards I was able to pull up that SBA five oh four loan as well and yes ma'am. It does appear that we received payment on that account for five thousand seven hundred and twenty dollars.

utterance: Thank you very much, it was important to know. That was a nice little payment.

utterance: Yes ma'am it appears that payment was received on October the twentieth.

utterance: Great. OK.

utterance: so that was in time before your due date. and with that said, Ms. Richards, is there anything else I can assist you with?

utterance: No. That's it for today. I appreciate all your help.

utterance: Well, Miss Richards we certainly do appreciate you giving us a call here at Intellibank and of course I suppose, go Braves.

utterance: Go Braves, I agree.

utterance: Well Miss Richards, you have a terrific rest of your day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Hello Gerald. my name is Ratherford and I I need to take out a loan.

utterance: OK. no problem.

utterance: Mhm.

utterance: We have several loans available. we have our business loan. We have our fixed-term loan.

utterance: Mhm.

utterance: and we have our SBA seven A loan.

utterance: which one of those would you be interested in today?

utterance: Well I am a small business owner and I'm just looking to pay for some of my administrational costs. So what do you think would be best? I'm thinking the seven.

utterance: yeah. I think the SBA seven A is probably gonna be your best bet.

utterance: OK so so then let's go with that.

utterance: OK I see you already have an account with us today.

utterance: Mhm.

utterance: Is that correct?

utterance: Mhm.

utterance: then I'm gonna need your full name as it appears on that account.

utterance: So that's Sylvia Ruthersford.

utterance: All right.

utterance: Mhm.

utterance: And I'm gonna need your social security number and your driver's license number.

utterance: Social security eight three five two five three two one two. Driver's license is gonna be D four zero three seven one six.

utterance: And what is the email address we have on file?

utterance: The email address would be Goddess Codes at iCloud.

utterance: All right.

utterance: Mhm.

utterance: OK we are in your account. How much were you looking to get from that loan today?

utterance: Oh what's the highest option available amount?

utterance: a hundred thousand dollars.

utterance: I'll go for I'll need fifty thousand dollars.

utterance: OK.

utterance: Mhm.

utterance: We're gonna fill this application out for fifty thousand dollars.

utterance: Mhm.

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

utterance: Oh yes.

utterance: And what is your tax ID number?

utterance: OK. Just one moment please.

utterance: Sure. Please take your time.

utterance: Thank you. OK. It's one four four eight three nine two two zero.

utterance: Great. Thank you very much.

utterance: Thank you.

utterance: And what was the date you established your business?

utterance: September seventeenth two thousand and nineteen.

utterance: And what were you looking for as far as a term for this loan? How long would you like to take to pay this back?

utterance: I'd like to pay it back as quickly as possible.

utterance: OK. Would you like to do twelve months?

utterance: Yes.

utterance: And what is the purpose of this loan?

utterance: Just to pay some of my administrative costs.

utterance: OK covering administrative costs. Got that.

utterance: Mhm.

utterance: All right and would you like the monthly loan payments to be deducted directly out of your small business account that you have here.

utterance: Yes.

utterance: Yes that's perfect.

utterance: All right then I'm gonna need your nine digit account number.

utterance: OK. I'll give that to you right now. It is four three two two three four one seven six.

utterance: All right and what is the four digit pin for that account?

utterance: That is zero eight six two.

utterance: Great and just to authorize these payments I'm gonna half to ask you a couple of security questions.

utterance: Mhm.

utterance: What was your first pet's name?

utterance: Katherine.

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

utterance: Ladough.

utterance: And the name of the street that you grew up on.

utterance: Porchini. Porchini Way.

utterance: All right. Yep. It does have a way here at the end.

utterance: Mhm.

utterance: All right well those were all correct.

utterance: Mm.

utterance: I am just going to submit this loan.

utterance: Mm.

utterance: For fifty thousand dollars.

utterance: Mhm.

utterance: With a twelve month term.

utterance: Mhm.

utterance: All right. it is gonna take two to three business days.

utterance: Mhm.

utterance: To get back to you.

utterance: Mhm.

utterance: Is that gonna be OK?

utterance: Yes. that's the time I have to wait. Yes.

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

utterance: Not today.

utterance: Then thank you for calling Intellibank. Have a lovely rest of your day.

utterance: Thank you.

utterance: Goodbye.

utterance: Bye.


utterance: Good evening. Thank you so much for calling Intellibank. My name is Lindsey and I will be assisting you on this call this evening. Who do I have the pleasure of speaking with?

utterance: Hi. my name is Gail Gomen.

utterance: Hi Gail. How are you tonight?

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

utterance: I'm.

utterance: Great. Thanks for asking. What can I do for you tonight Gail?

utterance: I'm

utterance: Curious to get the Consumer Price Index of certain type of goods in the United States for the past two quarters.

utterance: Absolutely. I'd be glad to assist you with that. And just so I can look you up in the our system, Gail is that spelled G A I L?

utterance: it is.

utterance: And can you spell your last name for me?

utterance: G O G H M A N.

utterance: Oh great. Thank you for verifying that for me.

utterance: Yeah, as in Vincent Van Gogh but just Gogh and then man.

utterance: Oh.

utterance: That's nice. I like that. OK. And your date of birth?

utterance: Yes.

utterance: nine twenty-seven seventy-nine.

utterance: And for security purposes, the four digit PIN number you created for your accounts here.

utterance: Two seven seven nine.

utterance: Two seven seven nine. Oh, OK. Very good. All right. I'm pulling up your information and I see you're a very valued customer with us over ten years. Thank you so much for your patronage for your credit cards, checking, savings, and your real estate loan.

utterance: Well every time I call, the customer service here is wonderful.

utterance: Oh, thank you. That that means a lot for us to to know that. And Gail, you're talking about the Consumer Price Index? what type of products can I look up for you?

utterance: Well wouldn't

utterance: You know it's so a pappo. My last name is Goghman and I have an art store.

utterance: Oh, you do?

utterance: I do. I am an artist. I also have an art store. And I I want to extend my merchandise and add metallic paints to my merchandise and I wanna find out what the the fluctuation of paints has been in those little tubes in the past quarter.

utterance: All .

utterance: OK. So you you sell merchandise? It's not a gallery?

utterance: No, I sell art supplies. We do have a gallery, but it's mostly art supplies.

utterance: I see.

utterance: I see. Well that's wonderful. Well some of my fondest memories of my college years were going to the art supplies stores. Loved doing that.

utterance: Really?

utterance: Are?

utterance: You a painter?

utterance: I have I have done it it but it it's been a while. But I think I'm an artist at heart.

utterance: Aw. How interesting. Well that's very. What you do for a living is very different from painting.

utterance: It certainly is. All right. So we're going to be looking at the price of paints. would you also. While I'm here, would you like to look up the price of paper goods since your store obviously deals in paper products and hand brochures?

utterance: Mm.

utterance: sure.

utterance: You never know, I might extend to that as well.

utterance: OK. Well I can stick with whatever you'd like but let me let me start here with the with the price of pigments and paints. And I'm sorry. Refresh . You may have told me what what time period you were looking at for how many quarters.

utterance: Oh,

utterance: The past two quarters would be helpful. Thank you. And specifically metallic paints. I already carry oil-based paints. I'm curious about the cost of metallic paints.

utterance: All right. Let me look that up here for you. And while I'm waiting for the screen to load, I did wanna let you know while I'm definitely happy to provide this for you over the phone you also have the ability to do this online if we're you know closed for the evening. You go to our website and under categories you'd pull down that tab and you'd actually see one called Consumer Price Index that would give you a variety of products that you can look up.

utterance: Oh. And that just under WWW dot Intellibank dot com? Oh, OK. That's good to know.

utterance: Correct.

utterance: You'll find. There just a category called excuse me. There's a tab called categories.

utterance: Oh. Interesting.

utterance: All right. So the information has loaded for the metallics. For the previous quarter, it was at seven percent.

utterance: Uh-huh.

utterance: And for the most recent quarter, it is at eight point two five percent.

utterance: Interesting. OK. And why don't you go ahead and gimme paper while you while you're at it if you don't mind?

utterance: I.

utterance: Don't. I pulled that up for you. That actually has stayed flat. It was at seven percent and it is still at seven percent for this quarter.

utterance: Oh.

utterance: Hmm. OK. OK. Well thank you so much.

utterance: You're so welcome. Was there any other items that I can look up for you?

utterance: No. You've been very helpful as always. Thank you.

utterance: Well absolutely,

utterance: And I wish you the best of luck as you expand your business. And who knows? Maybe I'll be in your part of town and I can come directly to your store and shop shop with you and meet you in person.

utterance: Yes. If you're ever in California, come to Gail Van Gogh's Art Store.

utterance: I definitely will do that. Well thank you again for being a valued customer and you have a lovely night.

utterance: Thank you. You too.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. My name is Layla and I will be assisting you on today's call. How may I help you?

utterance: Layla, I'm attempting to buy a property for my company's expansion and I got something about the SBA five oh four And I wanted to see if if Intellibank's five oh four is competitive with the other products that I've seen out there.

utterance: Mhm.

utterance: Well it it definitely should be because the because the SBA loan is funded in part by the government. So they actually set the guidelines for that, so it's definitely going to be competitive, a lower interest rate, and easier loan to obtain than a secured loan since it is backed by the government. so that one that one I would definitely recommend applying for if you'd like to expand your business.

utterance: OK. Yeah. That is something that we that we need to do.

utterance: OK.

utterance: If you want to apply, I can even do that for you right over the phone.

utterance: Oh. OK. That'd that'd be great.

utterance: OK and may I as your name please?

utterance: My names is James Reynolds like the wrap.

utterance: OK.

utterance: Just like the wrap. .

utterance: And how are you?

utterance: Doing today James?

utterance: I'm doing all right. It's it's an interesting day today. I don't even know what day it is.

utterance: Oh my goodness today is Tuesday. I had to think about it myself. Today's Tuesday.

utterance: I just. I just know it's today.

utterance: It's Tuesday.

utterance: OK. It's the Mondayest Tuesday ever.

utterance: You I I hear that.

utterance: Yeah.

utterance: all right. So I'm just gonna be asking you for some basic information including your driver's license and your tax ID number. So if you don't have those documents I can hold, unless you're ready to go.

utterance: let me let me check and let me make sure I have this. Give me one second.

utterance: OK.

utterance: OK. I I think I I think I've rounded it all up.

utterance: OK. Terrific. so we'll be doing the loan under your name James Reynolds?

utterance: Yes.

utterance: All right and what is your home address?

utterance: Five six eight nine Oak Lane. That's here in Los Angeles, California. Nine zero zero zero eight.

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

utterance: Five two seven eight nine three four five two seven.

utterance: Great. Driver's license number please.

utterance: it's five four nine eight seven four five seven eight nine.

utterance: OK and that's in California?

utterance: Yes, California driver's license.

utterance: OK.

utterance: All right James and the best email to reach you?

utterance: you can reach me at Reynolds at smog dot com.

utterance: OK.

utterance: We're trying to eliminate the smog. That's what we're trying to do.

utterance: Well, God bless. We could really use that.

utterance: It's a tough job.

utterance: I'm sure. James are you the sole owner of your business?

utterance: I am. No one else wants to take on the task.

utterance: OK and when was your business established?

utterance: It was established back in two thousand and eight. September the seventh two thousand eight.

utterance: OK.

utterance: Great. gross annual sales for last year?

utterance: One hundred thousand.

utterance: OK. And your.

utterance: There, there's.

utterance: Decent money in smog.

utterance: I was just gonna say it's well smog might not be good, but it sure does pay. OK. Your tax ID number?

utterance: It's four six seven eight nine three nine four eight nine.

utterance: Great and your address where the business is located.

utterance: let's see. Business address. Let's see. let's use this one. Seven seven eight nine Elm Street and that's in Los Angeles. Here in California. Nine zero zero zero eight.

utterance: Great and mailing address is the same?

utterance: Yes. That's our same address.

utterance: OK and how much would you like to apply for on the loan?

utterance: Two hundred and fifty thousand dollars.

utterance: OK. Terrific. And how long would you like to carry the loan? You can carry it for up to ten years.

utterance: We'll carry it full term.

utterance: Great. And.

utterance: Sounds.

utterance: Like a baby. but it's pay your full term.

utterance: Well with a lower interest rate, why not? And there's no penalty for early payment just so you know.

utterance: OK.

utterance: For you know paying it down early. And the down payment that would be required upon approval would be between five to twenty percent. How much would you like to put down?

utterance: Ten percent.

utterance: OK. And then upon approval I see here that you have your business total checking. We can authorize it to be funded routed right into that account if that's where you'd like the funds to go.

utterance: Yes I I have a a kind of a addendum. We're going to be using some money from foreign countries and exchanging them to put money down on this. You wouldn't happen to have any information on the exchange rates the franc to the US dollar.

utterance: Mhm.

utterance: I sure.

utterance: I sure do. I can definitely do that for you here. And just so you know if it's during off business hours you can even access this online.

utterance: OK.

utterance: Well you can access it online twenty-four hours, but I'm here for you now.

utterance: OK.

utterance: All right. So for the franc let me just check here and just advising you that this can change daily.

utterance: Sure.

utterance: OK. So right now the franc is coming in at one point two five versus the American dollar.

utterance: OK. Sounds good. Sounds good. All right. Make note of that.

utterance: OK. Terrific. Are there any other questions I can answer for you today Mr. Reynolds?

utterance: No. No. That's it.

utterance: All right. Well thank you so much for being an Intellibank customer and have a great day.

utterance: You too. Thank you.

utterance: Bye bye.


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

utterance: Hello Cassandra. How have you been today?

utterance: I've been pretty good sir. and thank you for asking. How have you been?

utterance: I'm doing great. thank you for asking. I need to get my debt to income ratio. can you help me with that?

utterance: Yes sir. Certainly can. I'll need to get your information to see if I can actually pull up that that income ratio in our system if you don't mind.

utterance: I don't mind.

utterance: OK sir. Can I get your first, last name and date of birth please?

utterance: Yes. My first name is William. Last name Grayson. My date of birth is five twelve one nine seven four.

utterance: All right Mr. Grayson. Thank you so much. And can I have your PIN number associated with this account please?

utterance: Yes. The PIN number is five five two three.

utterance: All right. Five five two three?

utterance: Yes.

utterance: Yes sir that is accurate. could you give me just one moment while I look up that information in our system please?

utterance: yes. Yes. Yes. That be. That's no problem. I appreciate I appreciate you taking the time. I'm thinking about going fishing this weekend. do you happen to fish?

utterance: no sir. I actually haven't been fishing since I was a little girl. I used to go out every weekend with my Grandfather.

utterance: Oh wow. Well you need to get back into practice huh?

utterance: Oh yes. It I have to say it would take a lot to get back in practice. He actually passed away when I was about ten years old so.

utterance: Oh I'm sorry to hear that.

utterance: It has been quite a while but he he was a wonderful man.

utterance: Aww.

utterance: I bet he was.

utterance: All right. Have you been fishing a lot Mr. Grayson?

utterance: yes I go fishing almost every every every Friday and sometime on Saturdays.

utterance: Oh wow. That's a lot of fishing.

utterance: But never on sun~.

utterance: But never on Sunday.

utterance: Never Sunday. All right sir. All right Mr. Grayson. could you tell me the time period you would like for me to look up your income ratio for?

utterance: this quarter. This this quarter. No not that. I meant last quarter. Thank you. Please.

utterance: All right sir. Just give me a minute. Let me look that up for you. yes Mr. Grayson it looks like your percentage is about seven percent income debt to income ratio right now.

utterance: Seven percent?

utterance: Yes sir. That's actually a pretty good debt to income ratio.

utterance: Oh. You think so?

utterance: Are there any other time periods you would like for me to look up sir?

utterance: while I got you here is it OK?

utterance: Yes sir.

utterance: can I get what I asked for in the first place. this quarter?

utterance: All right sir. Should. Certainly can. this quarter it looks like you're at a ten percent debt to income ratio.

utterance: Ten percent?

utterance: Yes sir.

utterance: OK. And I don't know what I asked for. Did did did I ask for the year yet?

utterance: No sir you certainly haven't.

utterance: You know my memories ain't that good. Last yeah for the past year please.

utterance: All right sir. It looks like you've actually balanced out pretty well. you've had some ups and downs through the years so overall your past year has been about five per cent.

utterance: OK. So you said I had a few bumps in the road

utterance: Oh yes sir.

utterance: And that's everybody. You have a little bit of fluctuations every. Throughout the year. So you know with that five percent debt to income ratio, that's actually fairly good.

utterance: OK. OK I need to stay ahead of it.

utterance: Oh yes sir. would you like more information on how to calculate your debt to income ratio? That way it it's a little bit more convenient for you so you can actually process that information at home.

utterance: Yes yes please.

utterance: All right sir. let me pull up that sheet right quick. All right Mr. Greyson. Firstly you'd have to add up all your monthly expenses. then once you actually add up those expenses you would divide the total by your gross monthly income. Which is your income right before your taxes are pulled. Mm K and once you actually calculate that the result will be your debt to income ratio and that will be in the form of a a percentage and the lower the debt to income ratio the less risky you will look to lenders so that's actually a good percentage to actually keep in mind throughout the year to make sure if you need any loans or anything for your business that you can actually get a good amount. percentage yield on that.

utterance: OK.

utterance: OK that's very active. accurate information you gave me there. I sure appreciate it.

utterance: All right thank you so much Mr. Greyson. Is there anything else I can help you with today sir?

utterance: I believe this is it. You helped me with everything I need and I sure thank you for it.

utterance: That's no problem sir. I would also like to point out that we actually offer a debt to income ratio calculator on our online banking site at Intellibank dot com. So even if you don't wanna just pull this off the top of your head, you can always go on there and and look it up yourself as well.

utterance: Oh OK. Calculator, I sure need those. All right. Thank you for that.

utterance: Yes sir.

utterance: That's

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

utterance: that's about it Casandra. did I say your name right?

utterance: Yes sir. Absolutely. Thank you.

utterance: OK.

utterance: Well I sure appreciate it.

utterance: Thank you so much sir. Again, I hope you have a great day. You can call us any time day or night.

utterance: I sure will.

utterance: All right. Thank you sir.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Hello Gwen With Intel bank. I got a notice in the mail about your different loan products. Now I heard about the SBA seven A loan.

utterance: Mhm.

utterance: I want to apply for that. Is that Can I do that with you or do I need to go to the nearest Intellibank to get in?

utterance: you can go to an Intellibank branch. However you can also do it here with me. Or online. Whatever is easiest for you.

utterance: To do that.

utterance: what? Now? What? That's fine.

utterance: Great! Be happy to help you with that. May I ask who I have the pleasure of speaking with today?

utterance: Great.

utterance: Yes my name is Dan Johnson.

utterance: OK.

utterance: Johnson Pharmaceuticals. We are Here in Los Angeles based.

utterance: All right well your business must be growing right now.

utterance: We we are that's that's why we need this loan.

utterance: OK not a problem. All right I'm just gonna be asking you for some basic information to process this. let's see. You're under the name of Dan Johnson.

utterance: OK.

utterance: Yes.

utterance: And what is your home address?

utterance: Six one eight nine. Oriole Drive. That's Los Angeles, California. Nine zero zero six three.

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

utterance: My social is nine four six eight four seven five two eight nine. But our tax ID is two four nine eight two seven four seven eight nine.

utterance: OK.

utterance: Oh.

utterance: Thank you for that. I will be asking for you that when I get to that screen.

utterance: Yeah.

utterance: OK then next thing I'll need from you is your social security number.

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

utterance: Eight one eight one. Great. And your driver's license number?

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

utterance: OK. And what is the best email address for you?

utterance: let's see. Should I use? Should I my business one? Yeah, let me go ahead and use the business one. That would probably be better. I'd check that more. And that is Dan Johnson. at radio dot com.

utterance: At radio dot com?

utterance: Radio.

utterance: Got it OK. And Dan are you the sole owner of your business?

utterance: I am.

utterance: Very good. And when was your business established approximately?

utterance: Two thousand and seven.

utterance: Two thousand seven great.

utterance: I don't know what the exact date is. I can look that up. If you need that.

utterance: No that's OK.

utterance: The year is fine with since it's that far back. The next thing I'll need are your gross annual sales for last year.

utterance: OK.

utterance: OK give me one second. I know I know I have that here somewhere give me one second to find out.

utterance: OK.

utterance: OK are you still there? Yeah. OK. Let's it is three hundred seventy-five thousand

utterance: Yes I am.

utterance: OK very good. And What is your tax ID number please? Now I'm ready for that.

utterance: OK that's three three four two nine seven eight nine six nine.

utterance: OK very good. And what is the address for your business?

utterance: Nine zero zero zero South La Brea Avenue, Los Angeles. Nine zero zero zero eight.

utterance: OK very good. And what is the amount that you'd like to apply for? And how long would you like the terms? Did want to advise you. You can apply for up to ten years at a fixed rate of only two percent and there is no penalty to pay it off early.

utterance: OK so let's do one hundred and fifty thousand for ten years.

utterance: OK very good.

utterance: And we'll put about twenty percent down.

utterance: Oh great.

utterance: That was gonna be my next question. the down payment will be due upon approval. So we'll and it's between five to twenty percent. So we'll do twenty you said?

utterance: Yes.

utterance: Great. And then if you're approved we can fund this directly into your business preferred checking. If you'd like me to do that I'll go ahead and start that routing number.

utterance: Yes please do.

utterance: OK very good. All right that takes care of everything on our end. The only thing left for you to do would be to upload. Would be to upload your tax ID document and your driver's license. I just generated an email to you with the link for you to do that And once you do that. You'll hear back about the loan within seven to ten business days.

utterance: OK.

utterance: All right. Well that's everything on my end. Is there anything else I can do for you today Mr. Johnson?

utterance: No that's it.

utterance: Thank you so much for being an Intellibank customer and have a great day.

utterance: Thank you, you too.

utterance: Bye bye.


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

utterance: how are you today, ma'am?

utterance: Just great, sir. How can I help ya?

utterance: Well I need to cancel a check ASAP from my business account.

utterance: Yes, sir. We can help you with that. No problem.

utterance: I'm gonna have to get some qualifying information from you here real quick. Just to ensure that you are who you are.

utterance: And, then we'll get to taking care of that that issue for you.

utterance: All right.

utterance: Can I have your full name?

utterance: Arthur J Scone. S C O N E. Scone.

utterance: OK. Thank you for that. And, I need your address please.

utterance: It's one forty-three one forty-three Willowdale Circle.

utterance: OK. Thank you for that. And, your date of.

utterance: Charles~

utterance: Charleston. Two six five oh five.

utterance: OK, and your date of birth please?

utterance: Eight one seventy-three.

utterance: OK. Thank you. And, there's a security question on your account that asks for your favorite pet. Can you please verify that?

utterance: it was. Oh Yeah hold on let me look at my paper because I changed it last time. Let's see. It is Hold on. Almost got it. It was Butch.

utterance: I changed it to Feefus. F E E F U S Feefus.

utterance: OK. Thank you, sir, for that. And, can I have the PIN number on your account?

utterance: Five six eight three nine two.

utterance: OK. Thank you very much. OK, so you said that you would like to cancel a check. Can you give me the check number please?

utterance: Four seven one eight.

utterance: OK. Thank you for that.

utterance: And, I wanted to let you know that after we cancel this transaction and this check that that you've written and I'm gonna verify with you it's for five hundred dollars?

utterance: That's correct.

utterance: OK. Yes. It will be canceled by tomorrow at ten a.m..

utterance: And, you'll be able to track that through your email and we'll send you a confirmation. And, it will also be listed on your on your monthly statement.

utterance: And, because you are a business total checking customer we have waived the fee of ten dollars that it would take to complete this canceled check.

utterance: I appreciate that. That's really kind of ya.

utterance: No problem, sir. That's just one of the perks that we off here with our Total Business Checking. We have a really good program there.

utterance: Is there.

utterance: Yeah, it's.

utterance: Been really good though, so I thank you.

utterance: No problem, sir. Is there any any any other checks that might need canceled?

utterance: not that I know of at the moment. I'll have to check. We usually don't we really don't have to cancel a check but they the the services for this check they said they couldn't fulfill the obligation. So, we're just gonna have to cancel the check. They know about it.

utterance: But, we're just gonna have to cancel it anyway.

utterance: OK. Yes, sir. OK. now give me one second here to get this transaction completed.

utterance: OK.

utterance: OK, sir. I have completed that transaction. Now, I want to verify your email address.

utterance: OK.

utterance: It's A A P Scone at Yahoo dot com.

utterance: OK. Thank you very much for that. And, is there a PIN that you would like to use for that also?

utterance: Yeah. It'll be eight three three nine two.

utterance: OK. Thank you so much for that.

utterance: OK.

utterance: They're in the.

utterance: The second quarter Mountaineers right now Mountaineers are behind seven to three if you're you're yes, three to seven right now if you're interested in the ball game.

utterance: Oh, yes sir. Thank you for that because nobody has told me yet today what the score actually is.

utterance: Yeah. We're

utterance: Having a rough time this year but.

utterance: well hopefully it'll get better.

utterance: we'll see what happens. Go Mountaineers.

utterance: Ok, sir. it I'm gonna let you know that you will get confirmation of this before ten a.m. in the morning when this transaction is canceled. I've located the check and it is it is canceled for you. but it won't show up for you until tomorrow. In your email before ten a.m..

utterance: And, I I wanted to ask you. Are you a online banking customer of ours?

utterance: we have one at home but I wonder if you have the mobile app.

utterance: Yes, sir. We do have a mobile app. It makes it really convenient for you to go on and do check-less deposits or you can even cancel transactions that you've made. Or, you can double check you know loan options and you can also see what the current interest rates are for this time period. And, and what you're looking for as far as loans. you can also you can also update your credit card information. You can order a new credit card if you've lost your card. And, we also have the ITM feature which is really nice.

utterance: So.

utterance: if you're out and about and you don't have your information you can actually go and access our ITM and get a twenty-four hour agent that will come on board and let you know exactly how much is in your account or will help you access your money. Or, will help you with any other issue you might have just by using maybe your driver's license.

utterance: Hey, that's great. So, I can just go to the place to where I can download the Intellibank app?

utterance: Yes, sir. Yes, sir.

utterance: OK. Well that's easy enough.

utterance: was there anything else that I could help you with today?

utterance: I guess so. I guess I guess not. I guess I'm pretty good to go then.

utterance: OK, sir. Thank you so much for being a valued customer of Intellibank. And, if you ever need anything else please feel free to call us back.

utterance: I appreciate it. Thank you.

utterance: Thank you, sir.

utterance: Bye bye.

utterance: Bye bye.


utterance: Good evening and thank you for calling Intellibank. My name is Melissa and I will be assisting you this evening. How may I help you?

utterance: Hi. How are you today?

utterance: I'm great. I appreciate you asking.

utterance: How are you doing?

utterance: I'm OK. Thank you for asking.

utterance: We both had a long day it sounds like. Still repeating ourselves. All right. What could I do for you this evening?

utterance: Yes. Yeah.

utterance: I'd like to find out the consumer price index of specific industry please.

utterance: Certainly and may I ask your name?

utterance: my name is Chelsea Smith.

utterance: OK. Certainly Chelsea and you are an Intellibank customer with us?

utterance: I am.

utterance: Great. Oh

utterance: Fifteen.

utterance: Years.

utterance: That's wonderful. Thank you for your loyal patronage. All right and in in what type of consumer goods are we talking about?

utterance: actually I'm looking to open up a gas station and I know the price of oil right now is just astronomical and I'm curious what it was in the past two quarters.

utterance: OK.

utterance: I'd be glad to look at that for you, and I have to tell you I'm a little afraid to fill up my gas tank the next.

utterance: Me, too. I heard it's gonna go in Los Angeles it's gonna go up to six dollars a gallon.

utterance: Oh my God Oh.

utterance: Whew. OK that's pretty scary. and let me just because so I'd like to be able to send you an email of whatever the prices are that we discussed. let me just get your four digit PIN so I can access your information.

utterance: I know.

utterance: Mhm.

utterance: My four digit PIN is four two zero eight.

utterance: Thank you Chelsea and can you just also verify your date of birth?

utterance: my date of birth is three two ninety-five.

utterance: Perfect, thank you. Just just for security purposes. And I see your email is Chelsea dot Smith at Gmail dot com.

utterance: Actually can I give you a different email? That's actually yeah I just changed my email address. give you Chelsea Smith at Yahoo dot com.

utterance: Certainly.

utterance: OK.

utterance: OK.

utterance: Great and I'm just updating that in the system. Would you like that to be your preferred email?

utterance: Yes.

utterance: OK. I'm just updating that. That way it can automatically generate the information to you. OK and so we're looking at I I just confirming I updated your email your preferred email address. So we're looking at the consumer price of Oil. Gasoline over the past two quarters. And I can actually pull it up here for the past four quarters. So let me look at that for you that's gonna give you a better overall average.

utterance: Oil.

utterance: Just out of curiosity am I able to look that up on your website?

utterance: Absolutely. just to let you know you'll find that under you'll go at the top tabs it's under categories.

utterance: Mhm.

utterance: The drop down button will appear and you'll see consumer price index.

utterance: Mhm.

utterance: You'll click on that and then you'll see a variety of the consumer goods that can be quoted. Oil, gasoline, apparel, food. You'll lot a lot of categories.

utterance: Oh OK. Thank you.

utterance: And if for an~

utterance: You're welcome. If for any reason you're having trouble figuring that out you can actually call us up until nine p.m. Eastern time and a specialist can walk you through that.

utterance: My those are long days for you aren't they?

utterance: Oh well I I'm not here the whole time but yes. Our call center for consumer price index is available up until nine p.m.. It's it's important in today's market.

utterance: Yes that is true. We do live in a twenty-four seven market now.

utterance: We certainly do. All right so I see here sorry I'm just pulling this up. OK. So obviously as we've talked about there has been an increase. From the previous quarter the previous year's quarter it was at sixteen percent but it has fluctuated for the past year and the past four quarters twenty-two percent.

utterance: My goodness. That much huh?

utterance: I think oil oil and gasoline are the areas that we're seeing the biggest fluctuation right now.

utterance: Oh it's unbelievable.

utterance: All right I just hit I just hit that send button. So anything that you'd see online was actually just generated to your email.

utterance: OK.

utterance: OK. May I answer any other questions for you tonight Chelsea? Thank you for being a valued Intellibank customer and I wish you an a wonderful evening. And good luck with your future business endeavors. Thank you good night.

utterance: OK.

utterance: no that's it. Thank you.

utterance: Thank you.


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

utterance: yes. I I need some infor on a. Your Term Loan.

utterance: All right sir, how can I assist you with Term Loans.

utterance: I would like to know the interest rate and the term length.

utterance: Certainly. the term length is something that you can decide on when applying. just depending on how quickly you wanna get it paid off and how much of a monthly payment you would like to make. And then the interests rates vary between five and nine and a half percent.

utterance: OK. I think I want to apply for a Term Loan then.

utterance: All right, I can certainly assist you with that. Can I have your first and last name please?

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

utterance: Thank you, and can I have your personal street address?

utterance: Thirty-six Edgemont Lane.

utterance: Thank you. And your city?

utterance: Canyon Country.

utterance: And state?

utterance: California.

utterance: And then your ZIP code please?

utterance: Nine one three eight seven.

utterance: Thank you and then I will need your social security number.

utterance: Three nine five two six eight zero one one.

utterance: Thank you very much, and your driver's license number?

utterance: Oh M five three D V H A I Q nine.

utterance: Thank you very much sir. And the authenticating pin number for your account that you have with us.

utterance: one zero six two.

utterance: Fantastic. And then what is your current email address?

utterance: Thomas Customs at Gmail dot com.

utterance: Thank you sir. And what is the name of the business that you are applying for this loan?

utterance: Thomas Custom Cabinets.

utterance: All right. Thank You. And are you the sole owner of said business?

utterance: Yes I am.

utterance: And when was that business established?

utterance: Oh seven oh six ninety eighty-one.

utterance: All right. Thank you very much. And then do you know the gross sales for your business?

utterance: Two hundred thousand.

utterance: All right. Thank you. And the tax ID for your business sir.

utterance: hang on just one second while I look it up.

utterance: Not a problem, take your time.

utterance: OK. I've got it.

utterance: All right sir, whenever you're ready. If you could just give me that tax ID.

utterance: Four five six eight two four five three one.

utterance: Thank you. And the street address for your business.

utterance: Seventy-six Sunbeam Drive.

utterance: And the state that it is located in.

utterance: California.

utterance: And the ZIP code please?

utterance: Nine one three eight seven.

utterance: And the city. Sorry.

utterance: Canyon Country.

utterance: All right. Thank you sir. And the mailing street address. Would that be. Would you prefer to be sent to your home address or your business address?

utterance: let's send it to my business address. At seventy-six Sunbeam Drive.

utterance: All right, seventy-six Sunbeam Drive, Canyon Country California, nine one three eight seven. Correct?

utterance: That's correct.

utterance: All right, thank you. And then how much of a loan were you looking to apply for?

utterance: Forty thousand.

utterance: OK. And may I know the purpose of your loan?

utterance: Upgrade equipment.

utterance: All right and what kind of term were you looking for?

utterance: let's do forty-eight months.

utterance: OK. So that's a forty-eight month loan for forty thousand dollars for equipment upgrade. Is that correct?

utterance: Yes.

utterance: All right sir, I will go ahead and get this application sent in so that it begin processing. And you will receive a letter in the mail with instructions on how to submit the supporting business documentation and you can also send those in electronically through online banking. And as soon as you send that supporting business documentation in we will get back to you with the results of your application.

utterance: OK. That sounds fantastic.

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

utterance: I can't think of anything.

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

utterance: All right you too. Thank you.

utterance: Thank you.


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

utterance: Yeah, hey Sam, this John Rivers over at Mr. Washi's.

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

utterance: Oh, I got one of those fraud alerts on my one of those email services I signed up for. And I don't know I figured I would review my accounts, maybe go over things, make sure nothing's amiss. And then what I could do to prevent anything further.

utterance: Sure I'd be happy to help and look into this matter with you. could I just please get some personal identifiable information here?

utterance: Yeah sure!

utterance: Can I please get the first and last name on the account?

utterance: Yeah, that's John Rivers.

utterance: The date of birth?

utterance: One eighteen of eighty-nine.

utterance: The pin?

utterance: Two five eight zero.

utterance: Can I please get the account number?

utterance: Yes, the account number is twenty-three seventy-nine zero.

utterance: Ok, thank you. so I'm actually showing that there is indeed a fraud alert on your account. it looks like this was made, this purchase was made online through a perfume company. Does that sound like a purchase you would've made?

utterance: Oh absolutely not.

utterance: Ok. I'll tell you what I can go ahead and get the form submitted for you to the fraud department for them to look into the matter. and then they will send a letter in the mail letting you know the how the investigation went and the decision whether it is in fact a purchase you made or not. I will go ahead and make some notes and document that this was not a verified purchase on your part.

utterance: Well, that stinks.

utterance: I'm. I'm sorry, what?

utterance: Oh, I was saying that stinks because it was perfume.

utterance: Oh that's a funny joke!

utterance: yeah so after all that gets submitted is there anything else that will happen?

utterance: Yes, so we'll go ahead and we will actually just close that account or I'm sorry, that credit card associated with that account and we will send you a new card in the mail.

utterance: Oh yeah, that makes sense I mean the thing was getting a little worn out anyways so I'm okay with that.

utterance: Ok and are you wanting to keep this card in your name?

utterance: Yes.

utterance: Ok.

utterance: Cause like I said I have a small company and it's primarily just myself so.

utterance: Ok, can I please get your social security number?

utterance: Yeah that's five five eight nine three one three three one.

utterance: Thank you and are you wanting to put a spending limit on this credit card?

utterance: Yes.

utterance: Ok, and how much are you wanting to put on there?

utterance: And is that a daily? Spending limit?

utterance: No, this would just be like a cap.

utterance: Oh well I don't want it to go over five thousand.

utterance: Ok, and what is the best address to send this new card to?

utterance: twenty-five twenty-five North Conch Lane North San Diego nine two zero eight nine.

utterance: Thank you and I'm assuming that's here in California?

utterance: Yes.

utterance: Ok, and what would you like the pin to be?

utterance: we'll change the pin up to one two nine zero.

utterance: Ok, and can I just get your date of birth?

utterance: That's one eighteen of eighty-nine.

utterance: Ok, thank you. Ok so I have got your new card ordered. It should be arriving in the mail in seven to ten business days. In the meantime, your current card is deactivated and will no longer work. I do apologize for the inconvenience for that. However, you are more than welcome to you know, withdraw money from the ATM, come into the bank withdraw money we do offer like a traveler's business card that can be preloaded in the meantime with funds on it if you need. to be a cashless, if you're a cashless carrier.

utterance: well I haven't been into the bank for a while can you give me adjacent to my home address, the nearest branch location?

utterance: Certainly, I'd be happy to help with that just give me one moment here. Ok, so it looks like the closest branch location is about one and a half miles away. this is one of our smaller branches so it's going to be It's not gonna necessarily to have all the services available.

utterance: That would be okay. What are their hours and location?

utterance: Ok so this branch is located at fifteen twelve north Main and that's here in San Diego, North San Diego.

utterance: Oh, OK. Yeah, I know where that is and the hours?

utterance: the this branch is open from eight a.m. to five p.m. Monday through Friday And with Saturday hours from eight a.m. to noon, closed on Sundays.

utterance: Yeah, that sounds good, I'll stop in later today.

utterance: Ok, is there anything else I could assist you with today?

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

utterance: Ok well, then you have a great rest of your day!


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

utterance: Hey Selina, how are you?

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

utterance: Doing good. I I'm I'm sorry I just I heard your name and I immediately thought of Selina Gomez.

utterance: Oh. OK.

utterance: Are you a fan?

utterance: Not really sir.

utterance: OK.

utterance: That coulda just ruined my chances for my car.

utterance: Yeah call call back and get another agent.

utterance: OK.

utterance: So I, so I I I I guess I just should tell you the reason I called is I was looking to apply for an SBA I think the seven A loan?

utterance: OK. Sure. So obviously you are a customer at our bank.

utterance: Yes I am.

utterance: OK perfect. Well I just need to ask you like a little bit, little series of questions. Do you have a little time for that? Maybe like no more than ten minutes?

utterance: Yeah I'm good.

utterance: OK. All right. So what's your first and last name and your date of birth?

utterance: my name is Robert Phillips.

utterance: How do you spell your last name?

utterance: P H I.

utterance: Mhm

utterance: L L I P S.

utterance: OK. OK.

utterance: And the date of birth is May eighteenth.

utterance: OK.

utterance: Nineteen eighty-five.

utterance: OK. And what is your personal street address?

utterance: the home address is eighteen twenty-five.

utterance: Mhm.

utterance: Jones Drive.

utterance: OK.

utterance: And that's in Philadelphia.

utterance: Mhm.

utterance: Pennsylvania.

utterance: OK.

utterance: One nine one one eight.

utterance: OK and Mr. Phillips, what is your social?

utterance: the social is one oh four six eight three four two five.

utterance: OK and do you have your driver's license number on you?

utterance: yes.

utterance: OK.

utterance: All right it's three zero.

utterance: Mhm.

utterance: Eight o- woah hol- hol- hold on. I'm sorry, I'm sorry, sorry. I read the wrong number. .

utterance: OK.

utterance: No

utterance: Problem.

utterance: OK. It's two zero.

utterance: Mhm.

utterance: Three seven.

utterance: Mhm.

utterance: Six five eight oh nine.

utterance: Perfect. And what state is that issued from?

utterance: it's Pennsylvania.

utterance: OK, and what is your PIN number?

utterance: the PIN is eighteen eighty-five.

utterance: OK and Mr. Phillips, what's your email?

utterance: It's R Phillips nineteen eighty-five at Gmail dot com.

utterance: And is the R capitalized?

utterance: Yes it is.

utterance: OK. And what's the business name?

utterance: Oh the business name is Phillips Janitorial.

utterance: OK and are you the sole owner?

utterance: Yes I am.

utterance: OK. And w- w- what date was your business established?

utterance: It was June fifth twenty thirteen.

utterance: What are you gross annual sales?

utterance: It's one hundred and thirty-five thousand dollars a year.

utterance: OK and do you have your tax ID number on you?

utterance: Yes I do.

utterance: OK, perfect.

utterance: OK. It is seven five.

utterance: Mhm.

utterance: Three one eight one.

utterance: Mhm.

utterance: Six three two.

utterance: OK. What's the business street address?

utterance: That address is two seven five Eighth Avenue.

utterance: Mhm.

utterance: Mhm.

utterance: Conshohocken, PA.

utterance: How do you spell that?

utterance: C O.

utterance: OK.

utterance: N.

utterance: Mhm.

utterance: S H O.

utterance: Mhm.

utterance: H O C K E N.

utterance: Wow.

utterance: Yeah it's it's it's a hell . Hell of a name.

utterance: Mm. Yeah. And what is the mailing street address, like where would you like your mail sent to?

utterance: You can send it to the home address.

utterance: OK. Perfect. And so w- what is your loan purpose would you say?

utterance: Oh it's for administration aid.

utterance: OK. Administration aid. OK and how long do you think that you would take to fully repay the loan? What is your projection on that?

utterance: Probably thinking like seven years.

utterance: OK. That sounds good. That sounds good. And your down payment percentage?

utterance: Ten percent.

utterance: OK. Perfect. And do you have the funding bank account number? what bank account would the funds be coming out of? Do you have that on you? OK, whenever you're ready, just give that to me.

utterance: Yes, I do. Yes yes.

utterance: OK, that number is oh four.

utterance: OK.

utterance: Five.

utterance: Mhm.

utterance: Seven three.

utterance: Mhm.

utterance: Two one eight seven.

utterance: OK. And when you're ready I need the the routing number for that funding account.

utterance: OK, routing number is zero zero.

utterance: OK.

utterance: Three.

utterance: Mhm.

utterance: Seven five.

utterance: Mhm.

utterance: Zero zero one six.

utterance: OK perfect. All right, so when you can as soon as you can I really. This is. So your application is all started, it's in the process, I just need some like a copy of your business license. If you have an EIN number we need you to send that over to us. So what I did was, I just emailed you a link.

utterance: OK.

utterance: Click on that link. You can upload all of your documentation that you need and it'll take about forty-eight to seventy-two hours for us to get back to you with an approval status. I don't see you having any problem. You've been a long term customer and you're you have you know an outstanding file with us so just get that back to us immediately so we can get this started and like we'll email you but just in case what's a good phone number to reach you at?

utterance: It's two one five.

utterance: OK.

utterance: Five five five.

utterance: Mhm.

utterance: Seven eight.

utterance: Mhm.

utterance: Six nine.

utterance: OK. All right you'll well you'll be hearing with us within the next forty-eight to seventy-two hours like I said. Just please send that over. If you have any problems with the link or uploading anything just give us a call back right away we'll, we're here to help. Our customer service line is open until eight p.m. Eastern so you know we're here for you and is there anything else that I can help you with while I have you on the line?

utterance: No that's I think everything. I think you covered all the bases.

utterance: OK perfect. All right we'll speak to you soon.

utterance: Thank you so much.

utterance: Take care, bye bye.