utterance: Hi, this is Danni Brookes at Intellibanking, what can I do for you today?

utterance: Hello, my name is Jay Oliver.

utterance: Hi Jay.

utterance: How's it going?

utterance: It's good how are you?

utterance: Good good so I have an account with I have an account with you, I've been with Intellibank for about three years now I'm looking to deposit more money like a significant amount more into my account and I do wanna I'm interested in different investment opportunities I'd like to diversify a lot more and I have an idea of what I wanna do but I would really like to talk speak a investment professional or financial advisor, do you have a financial advisor available or one that could maybe you know schedule a call with me and I just I have some several questions I I would just feel much better if if you know if I could speak to a financial advisor, are you a financial advisor?

utterance: I am not a financial advisor but I can go ahead and get you set up a date to speak to one.

utterance: Oh OK.

utterance: Yeah that that that's exactly what I need.

utterance: OK great so first can I get your full name?

utterance: Yes my name is Jay Oliver.

utterance: Jay Oliver and can I also get your date of birth Jay?

utterance: Yeah so it's six sixteen seventy-four.

utterance: Six sixteen seventy-four.

utterance: Yep.

utterance: OK great I'm going to pull up your account for you, can I grab your credit card number from you please?

utterance: Yeah yeah let me let me let me find all right, I have it on my phone I'll pull it up it's five eight two nine three six seven four, five one five four, three two one zero.

utterance: OK and that is five eight two nine three six seven four five one five four three two one zero.

utterance: That's it.

utterance: OK great. OK so I'm go ahead and pull up your account but before we can go further I'm just gonna need to verify some information for the security of your account.

utterance: Oh OK whatever you need ask that's fine.

utterance: OK can I start by getting your pin please?

utterance: Yeah it's one zero four nine.

utterance: One zero four nine OK great and I'm just gonna go ahead and ask you just a few simple security questions.

utterance: Sure.

utterance: What was the name of your first pet?

utterance: Oh my first pet, Lucy Lucy Goosey.

utterance: OK great and what state were you born in?

utterance: Washington.

utterance: Washington. OK Jay I am gonna go ahead and pull up your account thank you for verifying that information for me.

utterance: Of course.

utterance: OK so I'm in your account now and you're looking to set up a meeting with one of our financial advisors correct?

utterance: Yes absolutely.

utterance: OK great did you have a specific day that you were hoping to do that?

utterance: I have availability tomorrow and also next Tuesday so which and then maybe preferably afternoon.

utterance: OK let me just.

utterance: OK let me see. So tomorrow we only have availability in the morning so did you want me to go ahead and check on Tuesday?

utterance: Yeah yeah Tuesday Tuesday it works.

utterance: OK let's see let me check one moment please. OK so on Tuesday we do have availability in the morning, we have one at eight thirty a.m. one at nine thirty a.m. and one at ten a.m..

utterance: I think ten a.m. would be best.

utterance: Ten a.m. OK so let me put this in the system so I have you down for ten a.m. and did you have a preference for how you want to be contacted, would you like to come in, by phone or by email?

utterance: honestly, phone is best to have my phone on me pretty much all day so.

utterance: OK great so I will go ahead and put that in the system for ten a.m. on Tuesday and we'll have one of our financial advisors give you a call then let me see who's going to be working at that time OK so Tony Blair is gonna be at that gonna be giving you a call at that time so be on the lookout for that. And

utterance: Tony Tony Blair I had a guy I went to college with me named Tony Blair, I wonder I wonder if if if that's Tony Blair like short guy like not quite a midget but like not quite like full size, like blond?

utterance: He oh he yes he's on the

utterance: He is on the shorter end.

utterance: Like big mustache?

utterance: Yes.

utterance: Big mustache but like clean shaven?

utterance: Yes.

utterance: That's Tony?

utterance: Yeah so maybe you'll get to I mean get to catch up with him.

utterance: Oh.

utterance: OK I look forward to it I look forward to it.

utterance: OK great so we do have you in the system for that time and he'll be giving you a call so be on the lookout. Is there anything else I can help you with?

utterance: No Dani you're you're the best.

utterance: Aww thank you happy to hear that you're satisfied.

utterance: OK well you have a good day.

utterance: OK you too.


speaker_role: Agent

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

speaker_role: Customer

utterance: hello I just got a bonus check this week and I wanted to make and I wanted make a lump sum payment on my credit card Can you tell me my balance due please?

utterance: Yes sir. I can certainly pull up your credit card account and look for your balance due for you. But first I'll need to get a little bit of information to look up the correct account. If you don't mind.

utterance: All right. no problem.

utterance: OK, sir Could you give me your first name please?

utterance: Yes. My name is William.

utterance: All right, William. Can you tell me your last name as well?

utterance: My last name is Greyson.

utterance: All right, Mr. Greyson. Could you give me your date of birth sir?

utterance: yes. My date of birth is five twelve nineteen seventy-four.

utterance: All right, sir. That was five twelve nineteen seventy-four.

utterance: Yes.

utterance: OK, sir and could you give me the PIN associated with your account for authentication purposes?

utterance: Yes. That PIN is two two four five Hold up. Wait a minute That's the wrong PIN. Sorry about that.

utterance: That's no problem sir.

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

utterance: All right, sir. Yes, I've authenticated that in our system. That looks accurate. All right. Thank you so much for giving me that information. Now could you give me the credit card number you would like the balance on please?

utterance: you said the credit card number?

utterance: Yes, sir.

utterance: OK. wait a minute. Hold on, let me go and get that. I should have it in the next room.

utterance: Oh.

utterance: All right, sir. Take your time.

utterance: All right, thank you for your patience.

utterance: All right I believe I have that number. If this the correct one, I hope. I guess you'll tell me if it's not.

utterance: Yes, sir. Go right ahead.

utterance: All right. That number is Get my glasses here. That number is five. Five two six one five two nine eight two three two three two zero eight eight.

utterance: All right, sir. Let me go ahead and look that up. You said five two six one five two nine eight two three two three two zero eight eight, correct?

utterance: Yes.

utterance: All right, sir. Thank you so much.

utterance: All right.

utterance: All right, Mr. Greyson. It looks like your current balance due is eighteen thousand nine hundred and thirty-six dollars. On that account. Your payment due date is eleven twenty-four twenty twenty-one. For this month. And the payment of three hundred and sixty-five dollars will be due on that date, sir.

utterance: All right. That sounds about right.

utterance: All right, sir. Is there anything else I can help you today, Mr. Greyson?

utterance: do you have Can I. Anywhere I can go online and check this information myself?

utterance: Absolutely, sir. If you know if you're not an online banking customer with us you can go to Intellibank dot com. Access the business area of our account and than you can actually go on and apply and we'll process your online banking application and than you will be able to access all your information from the comfort of your own home. You'll be able to log in and check your credit card balance and check any of the applications you've processed with us. Such as your SBA seven A loan or any other corporate credit card accounts that you may have sir.

utterance: All right and I have to ask you that. Is there a PIN number that I have to set up?

utterance: Yes, sir. They will walk you through the process of actually setting up that online account. Normally they would ask for you. For the same authentication information that we ask including your PIN. your social and you'll have an email address that you would need in order to verify your account information. But once you do all that sir the the authorization process is pretty straightforward. You'll be able to access your account right away. We also offer an app through the app store is you can down loan to download to your cell phone and that way you can have our online banking at your fingertips sir.

utterance: All right all right now that's more my speed, when you said phone.

utterance: Oh, yes, sir and to make it even more straightforward for you sir. We also offer all the information that you need online. We also We do exchange rates and we can help you look up your dept to income ration. and usually any of those business information and the documents that you would require to process any of your requests.

utterance: All right that sound like something to really look into and I'mma definitely get started. Soon as I get off the phone which you set that up.

utterance: All right, sir. Thank you so much for that. Is there anything else I can help you with today, sir?

utterance: Well, that's about it.

utterance: All right. Thank you, Mr. Greyson for your time and patience. Again my name was Casandra and I hope you enjoy the rest of your day, sir.

utterance: You too Casandra.

utterance: Thank you, sir. Bye bye.

utterance: Bye Bye.


utterance: Hello! And thank you for calling Intellibank. This is Michael. How may I help you today?

utterance: Hello Michael. Oh, I am wondering what the options are for a small business owner such as myself in acquiring a corporate credit card.

utterance: All right. That is not a problem, I can help you with that.

utterance: Thank you.

utterance: do you already have a account with us?

utterance: I do, I sure do.

utterance: OK.

utterance: Mhm.

utterance: Then the best way for us to start is for me to get your account info so I can pull that up.

utterance: Mhm.

utterance: K.

utterance: And we will go from there.

utterance: Perfect.

utterance: All right. So, to start.

utterance: Mhm.

utterance: I'm going to need your full name.

utterance: Mhm.

utterance: as is appears on your current account.

utterance: OK, and that is gonna be Testarossa Lati.

utterance: OK. And what is your date of birth?

utterance: My date of birth is September eighth, two. Oh. Ninety-two. September eighth, ninety-two.

utterance: Right.

utterance: Happens to me from time to time.

utterance: You know I just. Yeah.

utterance: As well for getting my.

utterance: Year.

utterance: Yeah. Usually we're just saying the date, right? Not the date we were born.

utterance: Right, yeah. It throws me off as well.

utterance: Programmed.

utterance: Mhm. Programmed.

utterance: OK. Now I'm also gonna need your social security number. And your driver's license or state-issued ID number.

utterance: OK.

utterance: Sure, here's the social. Eight nine seven one two, three four, three four.

utterance: All right, and then that state-issued ID or driver's license.

utterance: Got it, and that's gonna be D nine four, eight two one oh.

utterance: All right, and I also need the four digit PIN that allows you to access this account.

utterance: Nine three two nine.

utterance: All right, thank you very much. Well I do see that you have several of our business accounts.

utterance: Mhm.

utterance: Mhm.

utterance: so it will not be a problem to apply for a corporate card for you.

utterance: Thank you.

utterance: we have a couple of options however. When it comes to corporate cards.

utterance: Mhm.

utterance: OK.

utterance: We have three different cards.

utterance: OK.

utterance: We have our Intellibank Gold business card. We have our Intellibank Silver business card. And our Intellibank Platinum business card.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: which one of those would you like to apply for today?

utterance: What are. What are the primary purposes for each one. Is it, it. Does it matter which one I apply for? Is there one that's better suited for me?

utterance: Well, you know we have a couple of questions here that can help answer that for you. so for one, how much are you looking to receive as a line of credit?

utterance: not, not too, too much. Probably ten to fifteen thousand dollars.

utterance: OK. Then, you know, I actually think our Gold card, our Intellibank Gold business card, would be your best option.

utterance: Great.

utterance: All right. Now to see if we can do that, I'm just gonna need to answer a couple of I'm gonna need you to answer a couple of questions. so first off, what is your business's name?

utterance: Mhm.

utterance: OK.

utterance: My business's name is Floral to the Metal.

utterance: And what is your business's email address?

utterance: That would be floral petals metal all day at Hotmail dot com.

utterance: All right, great. And are you the sole owner of that business?

utterance: I certainly am.

utterance: And can I please get your tax ID number.

utterance: Mhm. Six seven six, zero one one, two three four.

utterance: Fantastic.

utterance: Mhm.

utterance: And what was your business's gross income last year?

utterance: It was eighty-eight thousand dollars.

utterance: All righty. And what was the date that you established your business?

utterance: Established my business December tenth, two thousand and fourteen.

utterance: All right. Here we go. So I am putting in that application for our Gold business card.

utterance: Mhm.

utterance: And you have been approved!

utterance: Oh! Great.

utterance: You will get that card in the mail in seven to ten business days. Is there anything else I can help you with today?

utterance: OK.

utterance: That's gonna do it.

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

utterance: Thank you.

utterance: Goodbye.


utterance: Thank you for calling Intellibank. This is Franklin how may I help you today?

utterance: Hi my name is Janelle and I'm looking to set up some automatic loan payments on my account.

utterance: All right that is not a problem at all let's go ahead and start by pulling up your account

utterance: OK.

utterance: And to do that I am going to need your full first and last name as it appears on your Intellibank account.

utterance: Janelle Yates.

utterance: All right and your date of birth?

utterance: September twentieth nineteen ninety. How old am I again like? You ever do that? You ever forget your birth year?

utterance: I do. I forget it all the time especially I deal with number all day long.

utterance: Oh my god.

utterance: Oh yeah.

utterance: different numbers are flying by it never You never know.

utterance: Yeah.

utterance: I've never been good at math, but it's nineteen ninety-two, sorry.

utterance: All right. And your nine-digit account number.

utterance: sorry I don't have that in front of me right now. do you mind if I put you on hold and look it up?

utterance: Absolutely. Take your time.

utterance: OK.

utterance: Thanks.

utterance: OK I got it. It's seven six two eight three one two nine zero.

utterance: All right.

utterance: And what is your four digit pin?

utterance: two four seven eight.

utterance: All right. Hold on just a second here while my system loads.

utterance: Thank you.

utterance: How's your day going?

utterance: It's going pretty good. Yeah, how is your day going?

utterance: Not too bad thank you for asking.

utterance: it's nice weather out. Are you are you where is the call center located?

utterance: Oh we're in Temple Arizona.

utterance: Oh. Arizona's really nice. Especially this time of year it's like red right like like

utterance: You know I wouldn't know I come in before the sun comes up and I leave after it's come down and we have no windows here are the office.

utterance: OK I have your account all pulled up.

utterance: yeah setting up those loan payments is not gonna be a problem just gonna need to get a little bit of info from you. So I see that you have our Intellibank business checking and our Intellibank smart savings. Which one of those accounts would you like this payment to come out of?

utterance: Let's do the savings.

utterance: All right and what is the twelve digit account number?

utterance: It should be two three five six seven eight twenty-one eighty forty-six thirty-one.

utterance: All right. And what is the nine digit routing number?

utterance: That's something I can look up on the internet right?

utterance: Absolutely.

utterance: OK got it. Three two three six eight eight seven nine nine.

utterance: All right.

utterance: And what date of the month would you like this to come out of your account?

utterance: the third of every month.

utterance: OK.

utterance: And how much is this monthly loan amount?

utterance: I think that the bill says four hundred seventy-six dollars flat so let's go with that.

utterance: All right.

utterance: OK just gonna need a moment here for this to go through but that's all the information I'm gonna need from you.

utterance: So your office doesn't have windows in it?

utterance: no so we can focus in the calls.

utterance: Oh.

utterance: Do you guys get like regular breaks?

utterance: unfortunately we do not.

utterance: Oh.

utterance: Is there like a union?

utterance: Unfortunately there is not.

utterance: Yeah you really I hope you manage to find like a new job soon.

utterance: Thank you I appreciate that.

utterance: All right well this is all set and ready to go for you. Is there anything else I can help you with today?

utterance: No that's all. Thank you.

utterance: Great well you have a nice day and thank for calling Intellibank.


utterance: Good evening. Thank you for calling Intellibank. My name is Harrison, and I have been a Intellibank employee since two thousand twelve. Happy to provide you with my service here tonight, but I would also like to know why you are calling?

utterance: Oh great. Nice to meet you Harrison. Congratulations on your time with your company. Congratulations on extended employment. Must be great to have health insurance. and I would like to request a quick liquidity loan.

utterance: OK. Well, I will do that for you. And whom am I speaking with?

utterance: speaking with Max Keeble. And that was my mistake, I meant to say not a loan, but I wanna request a quick liquidity ratio.

utterance: Yes, you are correct. I should have caught that myself, being that I'm a nine-year employee here. Quick liquidity ratio, that is something I can access for you very quickly, no pun intended. Uh-huh. So, And.

utterance: No problem.

utterance: Great.

utterance: OK, yeah, I definitely in a huge rush today. I'm on my way to go get some tacos. I'm really hungry. My blood sugar is low, and I do have diabetes, so gotta watch that blood sugar.

utterance: I don't know if you have any preexisting preexisting medical conditions. Hopefully your health insurance at your nine year job covers all your ailments. Do you've any preexisting conditions?

utterance: actually, it's a policy of ours for us not to disclose personal information on the phone. And this is nothing against you. It's just Sorry I'm tell you what I have right now is, I have a bit of a cold. so yes, I can not provide that to you. But what I can provide you with is excellent services. And hopefully at the end of this call you will have received that from me, cuz I do pride myself in that. OK. And I wanna pull that quick liquidity ratio up for you.

utterance: Excuse me.

utterance: Oh, no worries. I got your first and last name, Max Keeble, right? Mhm. What's your date of birth?

utterance: Yes, that's.

utterance: Right. That's right.

utterance: Date of birth is one three eighty-six.

utterance: OK. And the pin number?

utterance: One two three four.

utterance: All right. What's the time period you're looking for the ratio?

utterance: let's do within the last quarter.

utterance: The last quarter. All right I'll punch that in here. And I'll be processing that application. Let me see. Last quarter. So that would have been on October to December twenty twenty-one.

utterance: Mhm.

utterance: OK.

utterance: Yeah, let me

utterance: Double. I wanna double check you know what, me double check the the time frame, just to be exact. So, do you mind if I put you on a brief hold?

utterance: Oh no no, right. Go ahead. I'll I'll be processing this.

utterance: OK.

utterance: Great, thank you so much.

utterance: Mhm.

utterance: OK. I am back. Yeah that's right that was for the last quarter. So, that was the last half a year, the last six months.

utterance: Oh, so you wanted the last?

utterance: Two quarters, that's right. Yeah, last two quarters.

utterance: Two quarters. Got it. Got it. OK, let me just make that quick

utterance: Adjustment here. I should be able to pull up that number. I had a number ready but that's gonna be obsolete now.

utterance: OK.

utterance: One's point three eight. If I adjust it to the six month period, the last two quarters, looks like the quick liquidity ratio is, oh very similar, point three nine.

utterance: Great. That's that's exactly what I needed. Thank you so much.

utterance: OK.

utterance: No worries. Anything else I could help you out with tonight?

utterance: you know what, that's gonna be it. Thank you. Yeah, I think that's all. You've been really helpful and I can tell you're a seasoned employee. So, thank you so much for all your assistance.

utterance: Thank you so much. If you receive a brief online survey, if you could just fill that out for me, and keep my reputation going here at Intellibank. I would appreciate it just as much as we appreciate you being a customer with us since March seventeenth two thousand seventeen.

utterance: Sure.

utterance: Absolutely! Thank you so much. I can do that. Yep.

utterance: You got it! Have a good night.

utterance: You too.

utterance: Bye bye.


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

utterance: Yeah, I want to check the balance on my silver business card.

utterance: Happy to help you with that, sir. If I could just ask what is your name?

utterance: Benjamin Freeman.

utterance: OK, and Mr. Freeman, what's the name of the business that has an account with us?

utterance: Gray's Construction Company.

utterance: Alright. OK, and I'll just need to ask a little bit of information in order to verify your account because we take account security very seriously here. what is your date of birth sir?

utterance: Three twenty-six seventy and I'll give you my number too. Seven seven zero two two zero five eight five nine.

utterance: Alright. Well I certainly appreciate that, and what is your PIN number?

utterance: My PIN number is one seven zero nine.

utterance: Thank you for that. And you said you were calling about your business silver card?

utterance: Yes, sir. I want the status on the business silver card.

utterance: OK.

utterance: Gone shut down a little early this weekend so fellow can go. I got some live out of town so they can go home.

utterance: Thank you for that. Thank you for that. if you would, I certainly understand that. I'm sure the fellows probably appreciate you being kind to them as well.

utterance: Yes. Yes. They they are. They rarely go home. I'm ready for them to go home.

utterance: Well it sounds. Sounds like both you and they are going to be happy If you would, let me just get the business silver card number.

utterance: Yes. That number is. Wait a minute. Let me go look for them. Hang on. Hang on. While I go find that thing, man.

utterance: Alright.

utterance: OK, I got it. I got it. That number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK. Let me repeat that number. That again is four zero three five seven nine three six six two six two zero nine zero six. Is that correct?

utterance: That's right. That's the right number. That's it.

utterance: Alright, and yes, I was able to get this pulled up for you there Mr. Freeman, and to answer your question, yes. it appears that the available balance on your business silver card is twelve thousand five hundred ninety-seven dollars.

utterance: OK. That sounds That sounds about right. Cuz we've been buying some things, so that sounds about right.

utterance: OK, and are you aware of what your next payment date is on your account?

utterance: Yeah, it'll be around the third. Around the third of the month.

utterance: OK. Yes, actually your next payment due date is going to be on November the tenth of next month.

utterance: Oh, OK. That's even better. They give a few day few day grace period.

utterance: No problem at all, and and just so that you're aware, if you aren't aware, you can also go online to check your account with us. Are you aware of that?

utterance: what's the process on that? I I didn't did that yet. I . Someone else was doing it for me, so what's the process on that?

utterance: great question. Yes, it's real simple there, Mr. Freeman. All you have to do is visit our website, and when you visit our website, all you need is your username and password for your account, and if you haven't already created that you can simply choose whatever you want as your username and your password. Takes less than thirty seconds. And moving forward you can check what your account balance is on your business silver card, you can see what your next payment due date is so you know if it's on the third or the tenth you actually can even change your payment due date as well, any time within that month. So if you wanted to move up to the third, you can make that adjustment. Or if you want to change it to the twenty-fifth, you can change it within that month that your statement is due.

utterance: Oh, that sounds good. Sounds fantastic.

utterance: Also, of course, you're able to also check your account balance as well, just as you did here. So, for instance, obviously here at the helpline we close at eight p.m. on Monday through Fridays, so if you needed to check your balance say after hours or even, you know, we come in at nine a.m. but you may start your day at five in the morning, you can check it online twenty-four seven at your convenience.

utterance: Oh, that sounds good. I can do it twenty-four seven cuz my time is very flexible.

utterance: absolutely. we do on our end try to consider your convenience when we make these products and services available, because we want it to be as simple and smooth as possible for you, our customer, because we certainly do value your time and of course your business.

utterance: Oh yeah, I really appreciate that. Thank you very much.

utterance: And Mr. Freeman, let me ask, is there anything else that I can be of assistance to you here today?

utterance: No, you filled in all the blanks so far so now I really appreciate your time and patience, and I thank you so much for that, and you've been a big help and and I know what I'm working with.

utterance: Fantastic. Again, Mr. Freeman, I certainly do appreciate your time and please do give as a call again here at Intellibank.

utterance: And I will. Thank you. You have a good day.

utterance: You as well.


utterance: Hello and thank you so much for calling Intellibank. My name is Sherona and I'm here to help you today. How can I help you?

utterance: Sherona, hi! I am good, I just got cut off of on the other line for some reason.

utterance: Oh, I'm sorry to hear that.

utterance: No, it's all right.

utterance: That's a bummer.

utterance: That is a bummer. but, I'm here now and I got you so, it's looks everything's moving upwards. Onward and Upwards.

utterance: Absolutely.

utterance: Well, I'll help you any way I can. What can I do for you today?

utterance: OK. So, I wanna apply for a corporate credit card.

utterance: Credit card? OK. I can help you with that.

utterance: I think I saw something about the gold. The gold is the gold credit card, I believe.

utterance: Yeah, that's our premier card. We can definitely look at that one for you.

utterance: All right, great.

utterance: has

utterance: The lowest interest rate available based on your credit, no annual fees, and it also gives you some you know, some perks, like you know, rewards and and stuff like that.

utterance: Ooh rewards. I see, I definitely need a reward. I've needed to get out of town and go to get a little vacation.

utterance: Yeah. Why not why not.

utterance: Hey, things are

utterance: Expensive out there, man. Why not just get a couple extra pennies added to your account for some rewards, huh?

utterance: I love it, I can it can go towards getting away, going out for a little bit of a a reward evening.

utterance: There you go. All right, well let's let's let's rock and roll on this. How's that?

utterance: Let's

utterance: rock and roll it. Yeah.

utterance: All right .

utterance: Sorry to interrupt you there, I was just going to tell you I'm going to get some information and I'll process this for you right now.

utterance: OK.

utterance: OK. What's your name, please?

utterance: David Fisher.

utterance: OK, David Fisher, OK. D A V I D and then F I S H E R?

utterance: That's right.

utterance: Great. How about your social security number?

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

utterance: Great, and then I'll need your drivers license and the state it came from.

utterance: D L seven six two three eight and it came from, wait for it, the state of Texas.

utterance: Texas, all right, they make them good in Texas, there.

utterance: Yeah, Dallas, Texas.

utterance: All right.

utterance: Yeah.

utterance: Go Cowboys.

utterance: Indeed, indeed.

utterance: And how about your PIN number?

utterance: seven two nine nine.

utterance: Uh-huh.

utterance: And you probably need something else too?

utterance: Oh I'm

utterance: sorry, I'm just I'm just putting that in there. seven two nine nine you said?

utterance: Mhm.

utterance: There we go, and I'll need your email address.

utterance: My email address yeah, it's

utterance: Mhm.

utterance: Don't tell me its go Cowboys.

utterance: How'd you guess? Just kidding, no. Pickle six.

utterance: Pickle six.

utterance: At Gmail.

utterance: At Gmail dot com. You know, I just like to have fun when I talk to people. My manager is always saying, Oh, stop talking so much to people. But you know what? I think it kinda makes their day just a little bit better, you know?

utterance: Well, its nice to talk to a human being and not a robot.

utterance: That's what I say too ain't nothing like talking to talking to a real person, you know?

utterance: That's right.

utterance: I believe it. I love it.

utterance: Yeah.

utterance: Yeah, man, OK, so what's your business name?

utterance: It actually has to do with pickles, its Pickle Six, it's Pickle Six.

utterance: Pickle Six, love it.

utterance: Pickle Six

utterance: Incorporated.

utterance: Hey, a good pickle with your with your meal is always good.

utterance: It is a pickle that you will have with your meal, and its organic pickles.

utterance: Love it!

utterance: oh yeah.

utterance: Hey David, are you the only business owner?

utterance: Yeah.

utterance: Or they call that the sole business owner. And. And when did you get that business set up?

utterance: The sole business owner.

utterance: well, this was, gosh, this was my my brother and I started this business about fifteen years ago.

utterance: OK, great.

utterance: So about two thousand five, two thousand, about two thousand five.

utterance: Very good.

utterance: make

utterance: June June of two thousand five.

utterance: And how much money did you make last year? Or you know what they mean by that its like the gross annual sales? How much did you gross last year?

utterance: gosh, we're doing about two hundred and seventy thousand.

utterance: Dang, that's a lot of pickles!

utterance: Yeah.

utterance: Wow.

utterance: Doing pretty good.

utterance: Hey, how about the tax ID number?

utterance: Seven eight.

utterance: Seven eight.

utterance: Six.

utterance: Six.

utterance: Five four three.

utterance: Five four three. OK.

utterance: Two.

utterance: Oh one.

utterance: Oh sorry about that. That's right it's a nine digit number. Hey, and if I wanted to go and buy a pickle, what was the address?

utterance: That's all right.

utterance: Well, you wouldn't go to our corporate address, you'd go to one of our farms.

utterance: Oh.

utterance: Well.

utterance: OK. Sorry about that. I guess what I needed to ask you is what what's the business address? Yeah yeah.

utterance: Well I should give you my corporate address.

utterance: I totally get that.

utterance: I'm just having fun here.

utterance: No problem. It's two three nine Carrolton, Carrolton Lane, six two Suite six two and that is Dallas, Texas seven five three zero zero.

utterance: Awesome, man. OK, and the mailing address the same as your business address?

utterance: Correctomundo.

utterance: Cool. OK, so and we're doing the gold card? Silver card, that's right. You know what, I I I didn't type that in so that's .

utterance: We're doing the silver, actually.

utterance: Yeah, silver.

utterance: That's all right, we started

utterance: With that and I think I was a little ahead of the game. before we decide to lock one down.

utterance: There we go, OK, so application is complete. The only thing I need from you is a photo copy of your tax ID number and your drivers license. And I just generated a link to your email address where you can upload that into the system. Beside from that man, you are good to go.

utterance: Awesome, great. Thank you so much for your help.

utterance: Oh.

utterance: Hey, it was awesome. And I hope you. wish you luck with that. Hope you get approved and yeah.

utterance: Cheers.

utterance: Awesomeness.

utterance: Rock.

utterance: On. Thanks for calling. All right, bye bye.

utterance: Take care. You too. Bye bye.


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

utterance: Hey, Sharon how are you?

utterance: All right pretty good. How are you today?

utterance: I'm doing good, I'm doing good. actually a little excited I think I'm about to venture unto something very big for myself and my business and I wanted to see about getting a real estate loan.

utterance: Wow! OK, that is exciting. awesome. OK. So, obviously, you are a customer with our bank already?

utterance: Yes, I am.

utterance: OK. OK So, I'm gonna ask you like a series of questions. Do you have about maybe five to eight minutes to to speak with me?

utterance: I have ten to twenty minutes, whatever we need to do.

utterance: OK. Perfect. So, let's start with your first and last name.

utterance: The name is Donald Kelly.

utterance: And how do you spell your last name, Mr. Kelly?

utterance: K E L L Y.

utterance: OK and if I can have your personal street address.

utterance: My street address is eighteen fifteen Havard road.

utterance: Perfect. OK and what city is that?

utterance: It's Nashville, Tennessee.

utterance: OK.

utterance: Three seven three one two.

utterance: Perfect and Your social Please?

utterance: The social is two oh four.

utterance: Mhm.

utterance: Three one.

utterance: Mhm.

utterance: Six eight three four.

utterance: OK. And do you happen to have your driver's license number on you Mr. Kelly?

utterance: Ooh hang on one second.

utterance: Sure, take your time.

utterance: OK. That number is.

utterance: Mhm.

utterance: two four.

utterance: OK.

utterance: Oh six eight three nine seven.

utterance: OK. And your pin number?

utterance: The PIN number is two five seven one.

utterance: OK. And your email address?

utterance: The email is D Kelly nineteen seventeen one at Gmail dot com.

utterance: OK. Is is the D capitalized?

utterance: It is.

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

utterance: I am.

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

utterance: it's April twenty fifth twenty ten.

utterance: OK and what are your gross annual sales?

utterance: One one hundred and fifty thousand dollars.

utterance: Perfect. And do you happen to have your tax ID number on you?

utterance: I do.

utterance: Oh great, OK.

utterance: All right. So, that one is two three.

utterance: Mhm.

utterance: Six five seven one eight one three. And the business address.

utterance: How did you know?

utterance: Well, The business address right now is same as the home address.

utterance: That's why. That's why I need a real estate loan.

utterance: Oh really.

utterance: Oh. OK, OK. OK. So, I'll just put that in and what is the real estate cost?

utterance: Two hundred and fifty thousand dollars.

utterance: OK.

utterance: So, like I've been doing a home based business for the last just over ten years. Where I've been doing re-selling I have been doing it out of my house and I've overcome my garage and started to go to other rooms in my house and I've come across this little property where I can have you know a small store front, a ware house and it even has an apartment on the second floor for another source of income, so that's why I can branch out of the house and have my home be my home and my business be my business.

utterance: All right. OK, that sounds great. So, what is the real estate address though?

utterance: That address is two sixty one.

utterance: Mhm.

utterance: Longwing.

utterance: OK.

utterance: And that's also Nashville, Tennessee.

utterance: OK.

utterance: And that zip is three seven two oh one.

utterance: OK. Perfect. OK. I'm just getting that down and let me see. And what percentage of the total cost will you cover in the down payment?

utterance: I'll probably put ten percent down.

utterance: Ten percent OK OK. Perfect.

utterance: And how about do you need to know anything about the business? Do you need to know like what type of stuff I sell, do you need to know

utterance: Well, actually right now, what I need from you you know this is Right. OK, we'll that is all great and I'm sure, we will need that eventually, but I'm just this is like your online application that I'm starting for you. So, what I just did was I sent you a link to your email.

utterance: Like website or anything else that you need of mine?

utterance: OK.

utterance: I need you to click on that link and give us a copy of your business license and your EIN number so we can get this process started because we really wanna get your application going so we can approve you pretty quickly. I see that you are an outstanding customer of the bank so I really don't see any problems with you getting approved. So, the quicker you send us that info through that portal that I sent you the link to we can get on it and it'll probably take about forty to seventy-two hours.

utterance: OK.

utterance: So, we usually will email you with the next steps, but, what is a good phone number as well. Sometimes the agents like to give you a call as well.

utterance: the phone number is six one five five five five.

utterance: Mhm.

utterance: Mhm.

utterance: One two.

utterance: OK.

utterance: Seven zero.

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

utterance: Mm. That's everything and just you know finish for us prayers and let's get this business into it's own home.

utterance: Absolutely absolutely. OK. we'll be speaking to you soon.

utterance: Thank you.

utterance: Bye bye.


utterance: Thanks for calling the Antele bank this is Jerry, how can I help?

utterance: Hi Jerry. I need to make a wire transfer man.

utterance: All right, we'll be happy to assist you with that and how's it going today?

utterance: days men they push me to do something that I feel like I really don't have to do but, I'll just make a wire transfer you know, because see I gat to do something right now and they don't want the regular way so, just gat to do it and I have to do it today according to them.

utterance: Oh I see so it's one of those sort of express transactions?

utterance: Yeah one of them wire trans yes sir.

utterance: Understood. I certainly can understand the frustration if something is kind of you know, unexpected charge that has to be address, and hopefully we'll be able to assist you with this quickly so you can get back to about your day.

utterance: Yeah, I really appreciate that.

utterance: If I could just ask, first of all, what's your first and last name.

utterance: Benjamin Freeman.

utterance: And Mr. Freeman if could ask, what is the business that you have in file with us.

utterance: A raise construction company.

utterance: And Mr. Freeman I'm gonna ask you a few question here for verifying your account, because here in Antele bank, we do take your account security seriously is it all right if I ask you a few question?

utterance: Yeah, sure, proceed on.

utterance: and Mr. Freeman, if I could ask, what is your date of birth?

utterance: Three twenty-six nineteen seventy.

utterance: All right, and Mr. Freeman, if I could ask, what is the account number that you have on file?

utterance: We've got, nine eight four six five nine one nine.

utterance: And Mr. Freeman, would that been the account that you want to transfer funds from, for the while?

utterance: All right. And Mr. Freeman, one last question here to verify the account, what is the pin number for the account?

utterance: The pin number is, one seven zero nine.

utterance: Ok, thank you for that Mr. Freeman and I was able to pull up the account, and upon pulling it up here, you mention that you wanted to do a wire transfer, do you know what the amount is that you wish to wire?

utterance: Yeah, sixty-five hundred Dollars.

utterance: Ok. That's for sixty-five hundred Dollars wire transfer, from the account number of six eight four six five nine?

utterance: No, that that account number is nine eight four six five nine one nine.

utterance: Ok, thank you for verifying that again, that's a nine eight four six five nine one nine.

utterance: That's correct.

utterance: All right, so you want to do a wire transfer for sixty-five hundred, from that account and do you have the routing number for the account that you wish to wire the funds to?

utterance: Yeah, I have the account, that routing number. That routing number is three two eight one seven four two two seven eight.

utterance: OK and Mr. Freeman what is the account number that you wish to wire those funds to?

utterance: hang on, hang on a moment let me find it for you right quick.

utterance: All right.

utterance: Ok, that number is six one zero four nine one.

utterance: Ok. Thank you for that. And again you mention that this stuff was something that you're mentioning needed to arrive today for the while.

utterance: Yeah, is is like they me men, but anyway, it's okay I'mma get through it any way, oh yeah, I ain't gat to deal with after a while well, very aggravating

utterance: Under state sir, and certainly of cause on our end we wanna make sure that we make this as convenient as possible for ya and the good news for you Mr. Freeman is, with the wire transfer because you called in before the cut off time today that wire will arrive today as you mentioned that for what ever reason that might be that payment the wire the funds wired, needed to arrive here today and it will by the end of the business day.

utterance: Oh that'll be wonderful, I really appreciate that. me and I'mma say that I owe him nothing, zero zero balance.

utterance: I fully understand that Mr. Freeman, it's always good to have one less issue to address.

utterance: Oh yes, definitely looking forward to it. As a matter of fact, they rushing me I need email and you all hurry up and send me that combination number.

utterance: yes sir and speaking of which Mr. Freeman I've gone ahead as you've requested and processed the wire transfer and the confirmation will be actually emailed to you just so that we I have the email address on file could you let me know what is the email address you'd like?

utterance: that will be B Freeman one at Ray's construction dot com.

utterance: Ok, we will send that confirmation to you, that's what we have on file here for you, B Freeman one at raise construction dot com.

utterance: That's correct.

utterance: And with that said Mr. Freeman, is anything else I can assist you with.

utterance: That'd be all men, you have a wonderful day men.

utterance: Thank you, you as well.

utterance: Thank you.

utterance: Bye Bye.


utterance: Thank you for calling Intellibank services. How may I help you today?

utterance: yes. I have a business total checking account. And I would like to change my PIN number.

utterance: All.

utterance: For that account.

utterance: All right sir. I can certainly help you with that. May I have your name and date of birth please?

utterance: Dan Thomas. T H O M A S. My date of birth is May twelfth nineteen sixty.

utterance: Thank you sir. And can I have the account number for that account?

utterance: Seven oh three six nine five six eight two nine I mean have given you that incorrect. let me read it one more time. seven three zero six nine five six eight two nine.

utterance: All right. Thank you sir. And then can I have your authentication pin?

utterance: One zero six two.

utterance: Thank you. I have verified that information and I have pulled your account up. And you were wanting to change the authentication pin today, is that correct?

utterance: That is correct.

utterance: All right sir. I can certainly do that for you. May I have you confirm your old pin for me please?

utterance: One zero six two.

utterance: Thank you. And do you have a specific pin number you would like to change your new pin to?

utterance: let's change it to two one three four.

utterance: All right sir. OK. I have gone ahead and deactivated your old pin number of one zero six two, and I have activated your new pin number as two one three four.

utterance: OK. And that will be effective immediately?

utterance: Yes sir. That is effective immediately.

utterance: OK. Sounds great.

utterance: Can you tell me what kind of business loans that you offer?

utterance: I certainly can sir. We offer term loans, secured loans, real estate loans SBA seven A and SBA five oh three loans.

utterance: OK. That sounds pretty good.

utterance: All right. And could I interest you in setting up online banking today, where you can change your pin and stay up to date with your account balance and generally manage your account? the same as you could by calling us, but at your own convenience.

utterance: yes. Is that something you could do today?

utterance: It certainly is sir. Let me go ahead and verify a few things. Is your email address still D Thomas at ABC dot com?

utterance: yes it is.

utterance: All right. Thank you. And then I have got a username and a temporary password for you, whenever you're ready.

utterance: OK. Let me grab something to write with.

utterance: Not a problem sir. Take your time.

utterance: OK, I'm ready.

utterance: All right sir. Your username is going to be D Thomas zero zero one.

utterance: OK.

utterance: And your temporary password is E Q N six two nine. And those are all capital letters.

utterance: OK. I've got that written down.

utterance: All right sir. And all you'll need to do now is go to the Intellibank dot com website select the commercial banking tab at the top and it will take you to a login page. You can then input that information and it will prompt you to create a unique password. And then it will take you through the rest of the setup.

utterance: OK. That sounds pretty easy.

utterance: Yes sir. Is there anything else that I can assist you with?

utterance: I can't think of anything. Your day going pretty good so far?

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

utterance: And mine mine as well.

utterance: That is excellent to hear sir. Is there anything else that I can assist you with today?

utterance: I don't believe so.

utterance: All right. Well if you don't mind staying on the line for me for just a moment there is going to be a brief survey that will come through. You can let us know how we did today and how we can better service you and your business in the future.

utterance: All right, that sounds great.

utterance: All right sir. If there's nothing else that I can help you with then you have an incredible rest of your evening.

utterance: You too.

utterance: Thank you. And thank you for using Intellibank.

utterance: Thank you.


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

utterance: Hello, I need a report of my on my investments and I need it by the conclusion of this call. You see I'm trying to purchase a house.

utterance: Sure absolutely sir. We can email that to you right away. I just need to get some information, OK?

utterance: Yes.

utterance: May I please have your full name?

utterance: My name is Alexander Lopez. Date of birth is six six six two.

utterance: That was Alexander Lopez L O P E Z and I'm sorry can you repeat the date of birth, please?

utterance: Six six six two.

utterance: Six six of sixty-two.

utterance: Yes.

utterance: Thank you and your account number, please?

utterance: hold one on while I get that.

utterance: Absolutely, sure no problem.

utterance: OK, so that's my Intel bank investment account.

utterance: That's Intellibank sir but yes go ahead.

utterance: Oh, sorry OK. It's eight three five seven two nine six three one.

utterance: Let me just repeat that back, OK?

utterance: Sure.

utterance: That was eight three five seven two nine six three one.

utterance: Yes.

utterance: OK, got it. excuse me and the PIN number please?

utterance: Six two six two.

utterance: That was six two six two?

utterance: Yes.

utterance: And you said you needed that emailed, correct?

utterance: Yes, please.

utterance: And is your email still A L O P E Z at Gmail dot com?

utterance: Yes.

utterance: OK, great. One moment please while my system does an update.

utterance: OK.

utterance: So how are you today?

utterance: I'm OK. I'm OK. I'm splendid. How are you?

utterance: Excellent. Excellent. Can't complain. How's your weather?

utterance: It's great. it's actually a beautiful day today.

utterance: Oh, aren't you lucky. It is mighty cold up here up north.

utterance: Really awe I'm sorry. I'm sorry. Stay warm.

utterance: Oh, yeah thank you, I am. I'm not leaving my house. Not in this frigid cold.

utterance: I hear you.

utterance: I'm surprised you're not a part of this blizzard. You must be in the south.

utterance: Yeah, yeah it's nice and warm here.

utterance: Oh, aren't you lucky, lucky, lucky. All right sir. All right I just sent over that email confirmation. You should have it momentarily. You you want me to hold on while you wait for it?

utterance: Yes.

utterance: Thank you.

utterance: OK, got it. Thank you.

utterance: All right you received that sir?

utterance: Yes.

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

utterance: that'll be it.

utterance: All right sir. Well, I do wanna tell you about our online banking services. We just so you know you could always go online to WWW dot Intellibank dot com and you can order a copy of your investment reports from your online account as well. You don't have to bother calling in. You could just do it from your own computer. How's that sound?

utterance: Great, thank you.

utterance: Yeah, no problem. So if you follow the prompts to set up online banking, you just enter your accounting information pretty much the same information we just discussed now and it'll walk you through how to set it up, OK?

utterance: Yes.

utterance: All right, Mr. Lopez, you have a great day, OK?

utterance: OK, thanks, you too.

utterance: Mhm.

utterance: Bye bye.


utterance: This is Joe Hill. I have a checking account with you and I need to order another batch of checks for my business, Positively Glistens.

utterance: Thank you, Mr. Hill. I'd be happy to assist you with that. Let me start out by getting some basic information. Your name is Joseph Hill?

utterance: Yes, Joseph Hill Senior.

utterance: Very good, sir. May I have your date of birth?

utterance: I was born on August twelfth, nineteen sixty-four.

utterance: Thank you, Mr. Hill. Now I need the account number and PIN number.

utterance: The account number is seven four five nine eight five six and the PIN number is PIN number is there's a PIN number you say? I think I had one of those but I don't know where it is. I'll have to look for it. What else do you need?

utterance: I'll need a mailing address for where you would like to have the check sent, starting with the street address.

utterance: Now that I can give you! Please send the checks to me, Joseph Hill Senior, at Positively Glistens three thirty-one Maple Wood Avenue.

utterance: And the city and state?

utterance: Linwood Falls, Colorado.

utterance: And the ZIP code?

utterance: Eight oh five two four.

utterance: And how many checks would you like to order?

utterance: I'd like to order five hundred checks. I still haven't found that PIN. Do I actually need it to order more checks? I have a bank account with you so you have all of my information right there.

utterance: I am sorry, sir. Without the PIN number I cannot complete the order for you over the phone. I would have to see some ID in order to be able to do so without your PIN number. I can offer you two options, sir, if you cannot locate your PIN number. You can either stop into any branch in person and bring your ID with you and we can assign a new PIN number to you if you've not been able to find your current one or you can use our online services to order new checks. If you don't have your PIN number you can use your answers to your security questions to order your checks online.

utterance: Are you sure that you gave me a PIN number? I thought I had one but I don't know where it is. I'm at the office but it might be at home. Do you think you might have sent it to my home address or maybe you sent it here. You probably did send it here as this is where I get all my business mail. Maybe I brought it home but if I did, what did I do with it? Did I file it or did it get recycled? Did I even open it? I probably just put it in my briefcase meaning to read it at home and then it got mixed with a pile of other mail and I thought it was junk mail and tossed it out or maybe my wife tossed it out, I don't know. Are you sure you sent me one?

utterance: Yes, sir. When someone sets up a new account, we send them a confirmation letter in the mail with their PIN number. That PIN number is needed for all phone transactions.

utterance: And I have to come in to the bank in person to get a new PIN number? That's what you said? You can't handle this over the phone?

utterance: Yes, sir. If you come into the bank with your ID, we will assign a new PIN number to you and you'll receive it in the mail in seven to ten days. While you're here in the bank we can also handle the order of new checks for you.

utterance: Why can't you just give me the PIN number while I'm at the bank? Then I won't have to worry about losing something that comes in the mail. Sometimes I think things are junk mail and I just throw them without opening them.

utterance: I am sorry, sir. All PIN numbers are computer generated and must be sent by the United States Postal Service to the customer. If it's not convenient for you to come in, you may go to our website at Intellibank dot com and log into your checking account using the email address that you gave us when you signed up for your account and a password of your choosing. You will also have to answer one of the security questions on file from when you set up your account. Once you have logged into your account, there'll be an option for you to order more checks. You will not need your PIN to do that. I would suggest that you stop by excuse me, sir. I would suggest that you do stop by our office at your convenience so as having the PIN will also allow you to do your banking over the phone. which may be useful if you need to talk to a live person for certain things.

utterance: What happens if I come in and I get a new PIN and then I find my old PIN? What happens if someone else finds the letter with my old PIN and calls you and says they're me?

utterance: Don't worry, sir. Once we issue you a new PIN, then the old PIN becomes invalid. If you find it, you can destroy it. If someone else finds it, they won't be able to use it.

utterance: That is good to know. Seems like it's always the way. I think I have all my ducks in a row and then the next thing you know, just one is out of place and all of my plans fall like a row of dominoes. You know what that is like? Have you ever played dominoes? I don't know if anyone plays dominoes anymore. It seems like everything is a video game now. I like video games. I have a few that I play but I still like to pull out the board games now and then and turn off all the electronics and just sit and play an old fashioned game with friends and family. Do you know what I mean?

utterance: Yes, sir. I like to play Monopoly and Scrabble myself but I have played dominoes. It's been a long time, though. I played at my grandfather's when I was little. Is there anything else that I can assist you with today, sir?

utterance: No, I guess. If I don't have my PIN I can't do much over the phone. Thank you for explaining my options to me. I'll see about logging in on my computer to order checks for now and then next time I'm at the in the town I'll stop in and see about a new PIN number. I'll have to make sure I know where I put the new one this time so I don't lose it again.

utterance: That sounds like a very good idea, sir. Thank you for allowing Intellibank to assist you with your business needs. Have a good day, sir.

utterance: You, too.


utterance: Thank you for calling Intellibank. This is Mitchel. how may I be of service today?

utterance: Hey, Mitchel I totally just wasn't even planning on calling you guys. I was trying to call to see if my cars ready from my oil check but oil change and then I'm on the phone with you guys but you know what I did mean to call you guys eventually so why not. Let's let's just let's look into something. I I meant to call you guys because I'm trying to get the FAQ you require business documentation to open up a another account or get a loan.

utterance: OK, yes. absolutely. So you have an existing account with us here?

utterance: I do. I do.

utterance: All right. Well the first thing we're gonna need to do is pull up your existing account so let's go ahead and get your full name, first and last as it appears on your account.

utterance: OK, that's Rod, R O D Ackerman.

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

utterance: August twenty-third nineteen eighty-five.

utterance: All right. And what is your four digit security PIN?

utterance: Six, zero, three, three.

utterance: All right. OK, I have your account pulled up here.

utterance: Great.

utterance: I see that you're not enrolled in our online banking.

utterance: No, man I did that once and it turned into like a nightmare because I got hacked and somebody got in on my accounts online so I don't really trust it even though I know on multiple devices and there's PINs and face IDs and all this stuff but I just don't wanna deal with that nightmare again. It was it was something that happened about five years ago. I understand technology is different now but man not really looking to get into the online banking again. Not now on my end I'm just trying to stick to the mail. I know that's old school but. I actually was a mailman so I'm pretty pretty you know familiar with how the postal service works and I feel like it's a little more secure to be honest with you.

utterance: All right while I totally understand that.

utterance: Yeah.

utterance: But I do need to let you know that our website is the most secured banking website and our app is even more secure so if you're ever interested in switching over to online banking, it is very easy. You just go to Intellibank dot com and it's gonna ask you a couple of security questions. The same ones I already asked you here today except you'll only need to answer those once and then every time you come back after that, you're just gonna enter a email address and your four digit security code. you could also download our app at any app store. I know that you may not feel good about it security-wise but I definitely wanted to let you know that that is an option for you.

utterance: Hey, could you hold on one sec actually, sorry?

utterance: Absolutely, no problem.

utterance: Yeah, I'll be right back. OK, sorry. The neighbor's dog was barking. I thought it was my dog so I just wanted to check on that.

utterance: Not a problem at all. So to answer your initial question about the FAQ required business documentation.

utterance: Uh-huh but they. When I on the FDA things that Wow, where's my mind today? the FAQ yeah, go ahead, go ahead. I'm sorry. finish your thought. I I I think I think you'll answer my question without me asking it.

utterance: FAQ.

utterance: Yeah, so basically since we have most of your information here, you would just need to confirm everything that we have on file for you, all your personal information. And then besides that, you would need to provide us with physical copies of your business license, two years of personal tax returns, two years of business tax returns, and two years of your end in year-end financial statements. And those could be mailed in or brought in to our branch. did you have any other questions today?

utterance: No that that answers it.

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

utterance: You too.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank. This is Holly speaking. How may I assist you today?

utterance: Good morning Holly and how are you today?

utterance: Well I'm doing great ma'am. Thank you so much for asking and how about yourself?

utterance: I'm doing well also. The reason I'm calling Intellbank this morning was to inquire about how I can keep my personal and my business purchases separate.

utterance: OK ma'am just really quick I know that there is also an Intellbank. I'm just trying to make sure that you are reaching the correct bank. We're Intellibank.

utterance: Oh I'm so sorry. That's the bank I use.

utterance: OK Intellibank?

utterance: Yes ma'am.

utterance: OK OK thank you. I just wanted to make sure and if you would like actually what I would suggest doing is maybe applying for one of our business credit cards. That way you can have your personal credit card as well as your business credit card to keep your purchases separate.

utterance: that's just what I need.

utterance: OK wonderful and I would be more than happy to assist you with that today ma'am. Now I do need to get a little bit of information from you so I can get this application started. May I please have your name as well as your address please?

utterance: Yes ma'am. I'm Sandra Orville. I live at two twelve Salem Road in Boston, Massachusetts.

utterance: Thank you so much. I have your first name as Sandra S A N D R A and your last name is Orville O R V I L L E. And.

utterance: Yes.

utterance: That's correct.

utterance: OK thank you. And I have your address as two one two Salem S A L E M Road in Boston, Massachusetts.

utterance: That's correct.

utterance: Thank you so much and may I have your ZIP code please.

utterance: Yes ma'am it's eight six nine three one.

utterance: OK eight six nine three one?

utterance: Correct.

utterance: Thank you so much. And may I have your social security number please.

utterance: My social is four six six five one eight one three seven.

utterance: OK so four six six five one eight one three seven?

utterance: Correct.

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

utterance: The driver's license number is nine oh three seven one seven oh two.

utterance: Thank you. I have nine zero three seven one seven zero two?

utterance: Correct.

utterance: Thank you and what state is that issued?

utterance: Massachusetts.

utterance: Massachusetts. Thank you so much. And Mrs. Orville whenever you call to access any information about your account or if you're needing to to check the status of this application for security purposes we will ask you for a pin number. That can be between four and eight digits long. What would you like for that to be?

utterance: Twenty-one thirty-two.

utterance: All right two one three two.

utterance: Correct.

utterance: Thank you so much. And may I have your email address please?

utterance: Yes ma'am. My email address S Orville two at Gmail dot com. And my other email S W I T C H at Gmail dot com.

utterance: OK ma'am was that your personal email and then your business email?

utterance: Yes ma'am.

utterance: OK what we usually do for our applications is your personal email address. Is that OK?

utterance: Yes ma'am.

utterance: All right thank you and just to clarify that is S O R V I L L E two at Gmail dot com?

utterance: Correct.

utterance: Thank you so much. And Mrs. Orville what is the name of your business?

utterance: Exceptional Fish Market.

utterance: OK Exceptional Fish Market. Thank you ma'am. And are you the sole owner of this business?

utterance: Yes I am.

utterance: Thank you. And when was your business established?

utterance: March the thirteenth two thousand and eight.

utterance: OK March thirteenth two thousand eight. Thank you. And what are your gross annual sales?

utterance: Seventy-five thousand a year.

utterance: All right seventy-five thousand. Thank you. And may I have your tax ID number please?

utterance: Just a moment. I've mislaid it here.

utterance: OK just that's no problem, Mrs. Orville. Just let me know whenever you're back. OK?

utterance: Yes. Holly are you there?

utterance: Yes ma'am I sure am.

utterance: The tax ID number is one eight one one oh nine seven three nine.

utterance: OK so I have your tax ID number as one eight one one zero nine seven three nine?

utterance: Correct.

utterance: Thank you so much. And may I have the address that your business is located?

utterance: Forty-two Witches Way Boston, Massachusetts.

utterance: Thank you. So that's four two Witches W I T C H E S Way in Boston, Massachusetts?

utterance: Correct.

utterance: Thank you and is that ZIP code also eight six nine three one?

utterance: Correct.

utterance: Thank you. And for your mailing address would you like for that to be your home address or your business address?

utterance: I prefer my business.

utterance: OK and just to verify that's at four two Witches Way Boston, Massachusetts eight six nine three one?

utterance: Correct.

utterance: OK wonderful. Now Miss Orville we do actually offer three different types of business credit cards. The first would be our Intellibank Platinum Card. With that you get two percent cash back on all purchases with a one hundred dollar annual fee. Then we have our Intellibank Business Gold Card that offers two percent cash back on gas and groceries no annual fee. And then we have our Intellibank Business Silver Card which would have no cash back but no annual fee. Which would you like to apply for?

utterance: I believe I'd like to use the Business Silver Card. I think that'll work well for me.

utterance: OK ma'am I do understand. Now we do we're applying for the Business Silver Card. And that does look like I have all the information that I do need for the application today. Just make sure to send in your supporting business documentation and we will get back to you just as soon as possible with the results of your application. OK?

utterance: Yes ma'am. On the business documentations do you have a fax number I can send that to?

utterance: Absolutely. That fax number would be six eight nine four two three three six one nine.

utterance: Thank you so much.

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

utterance: I don't believe so. Thank you.

utterance: All right well thank you so much for calling Intellibank and have a wonderful day.


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

utterance: Hi, William, I am calling to check my credit card balance.

utterance: OK. Not a problem at all. Let's start by pulling up your account. To do that, I am going to need your first and last name as it appears on your account.

utterance: OK but will I be able to get my balance today and also a new card mailed to me? Is that possible?

utterance: Absolutely. Was your card stolen?

utterance: I just need a new one. It's kind of warn out.

utterance: OK. Yeah we can totally help you with that.

utterance: Thanks.

utterance: So to start out I'm gonna need your full name as it appears on your account.

utterance: That name is Jed. J E D Washington.

utterance: And your date of birth?

utterance: October tenth nineteen eighty-seven.

utterance: And your four digit security PIN.

utterance: Six three zero two.

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

utterance: One eight seven three nine four.

utterance: Alright. Mkay. I've got your account pulled up here and you wanted to check your credit card balance due?

utterance: That's right, will you?

utterance: Alright. So for this month, your balance due is twelve thousand four hundred sixty dollars and thirteen cents.

utterance: OK. That's not too bad. The other thing I want to do was add a user today. I forgot about that.

utterance: Oh, that's not a problem at all. I can definitely help you with that.

utterance: That's OK. Do you. Do you share any credit cards with anybody?

utterance: I do not, no.

utterance: I wouldn't. I wouldn't recommend it. Kind of took me down a dark path for a little while there and I'm still trying to recover from that, you know what I mean?

utterance: I understand. But you know you get business partners and stuff like that and you do what you have to do.

utterance: Yeah I mean business partners I kind of trust more. This is more of a personal situation and you know, like you think a certain amount is being spent and then you get the balance in the mail. It's like surprise. And then you gotta make some calls, rearrange your life. It's. I don't wanna put this on you, William, but that's kind of what I'm going through right now so I just appreciate you you know, doing this for me.

utterance: Mm.

utterance: Well hopefully adding this user will go more smoothly than the last person that you shared your card with.

utterance: Yeah.

utterance: Yeah this is more trustworthy I think but I don't know if my gauge for trust trustiness and trust worthiness whatever you want to call doesn't seem to be too good the last couple years.

utterance: So I'm gonna need the full name of the person you're adding to the account.

utterance: OK. That name is my brother, Tony Washington.

utterance: Alright and I'm gonna need his social security number.

utterance: Tony's social security number is seven two eight seven seven three one six five.

utterance: And I'm going to need his state issued ID or drivers license number.

utterance: Yeah he gave me that. It's state issued ID. It's T X as in Texas. Four eight zero five one nine three.

utterance: And I'm gonna need his email address.

utterance: Tony W at Gmail dot com.

utterance: And I'm going to need his physical address.

utterance: That is Tony Washington. His address is four two five five, Evansville Way, in Indianapolis, Indiana, nine zero three four two.

utterance: Alright. And would you like to set up a additional four digit security pin for him? Or will he be using the four digit pin that you have on file?

utterance: Let's give him his own.

utterance: Alright and what would you like that to be?

utterance: We'll go with six six five five. Easy to remember.

utterance: All right well this is all set. He has been added to your account. did you still wanna set up sending out a new card today?

utterance: Yeah.

utterance: Alright then I just need you to cofirm the physical address for yourself that we have on file.

utterance: OK. That's one hundred, Blick Boulevard, Los Angeles, California, nine four one one six.

utterance: All right. That new card is headed out. You'll get it in three to five business days. Is there anything else I can help you with today?

utterance: That will be it.

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

utterance: You too.


utterance: Hi. Thank you for calling Intellibank. This is Gina. How can I assist you?

utterance: Hi Gina. I just need to know the consumer price index for the United States of America.

utterance: Oh. What what's your name?

utterance: my name is Theo.

utterance: Theo. so the consumer price index hold on one second let me just check, right now is five point three percent.

utterance: Okay great! Thank you, have a good day. Bye. I'm just kidding, I have other questions.

utterance: Oh okay.

utterance: so the consumer price index I mean that's nice. I Can you also tell me the exchange rate for the euro right now? opposed to the dollar?

utterance: Sure.

utterance: Yeah. The euro is, excuse me, point seven five percent.

utterance: That's fantastic.

utterance: Yeah.

utterance: Okay. That's that's great. you know I also need to know the balance of my business platinum credit card. Not how much I owe but how much I I have room to charge. cuz I might be flying to Paris.

utterance: Oh. Great. well, just I just wanna let you know we have a lot of services here we also have real estate loans if that's something you're interested in. But I can certainly check your account as well. so please give me your first and last name and also your date of birth.

utterance: my name is Theo Roper and my date of birth is three sixteen nineteen eighty-six.

utterance: Great. What is your PIN number Theo?

utterance: eighty-four ninety-nine.

utterance: Perfect. And also what is your account number?

utterance: Yeah. Hell I got it written down. Because I don't I don't actually have the cards on me. I just I just book things online so I have two numbers. One of them is for City Juniper Credit Union and the other one is my business platinum account. And So one of them is forty-two zero zero thirty-nine seventeen fourteen forty-two twenty-one twenty. The other one is five seven five seven thirty-nine twelve thirteen fifty-five twenty-one seventeen.

utterance: Okay. that one is actually your Intellibank platinum account with us. So the second number is the valid number. Yeah.

utterance: Oh. Excellent.

utterance: Okay.

utterance: so you would like to know your balance on that?

utterance: Yes. Yeah, please let me know the balance.

utterance: OK.

utterance: Your balance is three thousand two hundred dollars.

utterance: Now that's how much I owe? Or how much I can charge?

utterance: That is how much you ow for this month How much you can charge is you have a fifteen thousand dollar credit limit. So you have an extra twelve thousand dollars.

utterance: Give or take, OK. That'll get me to Paris and back. That'll be fine. Yeah did you say you had a you know real estate loans you offering to?

utterance: Yeah.

utterance: Yes we do have real estate loans here as well.

utterance: Cuz I got the I mean do you do them for out of the country?

utterance: You mean if you would like to buy property elsewhere?

utterance: In say, Paris? You know. Little condo on the Champs-Élysées.

utterance: sure. Yes, we do. I mean if you're our client and you bank with us then yes we do provide international real estate loans.

utterance: Oh that's that's fantastic news. Yeah that would be great. What's the what's your interest at this time?

utterance: That is three point four percent.

utterance: That's fantastic. Alright. what's the excuse me. What's the process of applying for that? I'd like to go ahead and do that like, right away. Cuz I'm booking a flight like, super duper fast.

utterance: I am like Eiffel Tower bound.

utterance: OK so do you have a.

utterance: Do you have a property that you're interested in? Cuz normally we have someone having a.

utterance: I you know I I don't. Can I do any kind of pre approval for like tentative to where like I have that done so when I get an agent over there that the paperwork is done over here to where you know. Just finalize things if it goes through then it's just like having all the documents just like ready to go. Bang.

utterance: Well what we can do on our end. We don't. We usually need the actual property to do the final approval but we could do is we can get your information together we can send you information on what it looks like. And then we could email that to you considering you're going to be traveling, you know we wouldn't wanna mail that to you. So we can get you an email and then you can send that to your agent.

utterance: Yeah. Okay. Just send me all that stuff via email and that'll be just fine.

utterance: Okay. can I just confirm your email address?

utterance: Yeah. My email address is Theo underscore Roper at Roper and Roper attorney at law at Gmail or I mean dot No no wait I had the Gmail account. Roper and Roper attorney at law dot com.

utterance: OK great.

utterance: Got a new one.

utterance: Yes.

utterance: So Roper underscore Roper.

utterance: No no no no. Theo underscore Roper at Roper and Roper attorney at law dot com.

utterance: Okay. Theo underscore Roper at Roper and Roper attorney at law dot com.

utterance: Yes that is correct.

utterance: Terrific. Okay. Well I will get that information out to you shortly. Is there anything else I can help you with tonight?

utterance: I don't think so. I think that'll be great. I'm about to pack my bags so

utterance: Wow. Well have a wonderful trip and thank you for banking with Intellibank.

utterance: Thank you. Have a good night.

utterance: Okay you too.


utterance: Good evening. My name is Loretta, thank you for calling Intellibank. How may I assist you?

utterance: Hi, Loretta. My name's Gary and I'm calling because well I just tried to log in on the website. It's saying my credentials are invalid. I also tried to log in on the app. And the app, you know, actually saves your information like, each time you log in. And just, I used my, you know my facial scan with my iPhone. I used the face ID. And for some reason, that's also coming up invalid even though it's definitely the correct information. So, yeah I'm not able to to log in at all, and I just need a little little bit of help with that.

utterance: certainly sir, I'd be glad to help you with that. I'm sorry, it sounds like you're having trouble with the website and with our app, so I would be glad to assist you here.

utterance: Great.

utterance: Sir, may I I'm going to just ask you a few questions so I can pull up your account for you. what is your name please?

utterance: All right.

utterance: Gary. And my last name is Smith.

utterance: Gary Smith, OK, well that's easy to spell. Gary, may I also get your date of birth, please?

utterance: You may, it's twelve two nineteen eighty nine.

utterance: Twelve.

utterance: Yes that's December. Yes.

utterance: Oh two.

utterance: nineteen eighty nine.

utterance: That's correct.

utterance: OK. Great. And what is it what is information is it that you were trying to get, this evening?

utterance: Oh, you mean why I was trying log in?

utterance: Yes sir, so I'll know what what account to pull up for you.

utterance: Well that's very dangerous information, are you sure you're able to handle it?

utterance: I think so. I think so sir.

utterance: All right, well I was I I just wanted to check my credit card balance.

utterance: Oh, OK. Thank you so much for that. so I will just need your credit card number so I can pull up that account.

utterance: All right, are you ready?

utterance: I'm ready.

utterance: Well, I'm not, let me get my credit card out.

utterance: OK. You got me there.

utterance: OK here we go.

utterance: Keeping me on my toes. OK.

utterance: five one seven eight.

utterance: Five one seven eight.

utterance: Two one one six.

utterance: Two one one six.

utterance: Eight eight seven two.

utterance: Eight eight seven two.

utterance: Three six nine.

utterance: Three six nine.

utterance: And we'll bring her home with a zero.

utterance: Zero, all right. Let me go ahead and plug this number into the system. All right, I see here that you have our Intellibank business gold card.

utterance: That's right I do. It took me quite some time to get that.

utterance: Oh, well good for you. And I was gonna to say thank you for your years of loyal patronage with us. So let me check the balance on your account for you.

utterance: OK.

utterance: All right, I see that your account balance is fifteen thousand nine hundred and twenty-six dollars. and two cents.

utterance: OK. a little more than I was expecting but nothing, nothing we can't handle here.

utterance: All right. Did you did you want me to check any of your current charges just to verify any information for you?

utterance: no but what I would like to know is if you could put in a credit limit increase for me?

utterance: Let me check that for you sir.

utterance: Yeah I just, you know since I'm utilizing more of my credit, I don't want to my credit ratio to be too high so my numbers won't go down. You know what I mean?

utterance: I understand.

utterance: Yes sir, let me just review the account. One moment please.

utterance: Alrighty.

utterance: All right, I'm looking and it seems we have not had an account increase for It looks like at least eighteen months.

utterance: Yeah.

utterance: And your payments are all not only on time but early and it looks like you pay almost the total every time. So let me go ahead and put this request in.

utterance: All righty.

utterance: All right, so we are able to increase you your your your new available credit will then be thirty thousand dollars.

utterance: Fantastic.

utterance: Yes, not a problem. Happy to be able to do that for you tonight. Sir while I have you one the phone, is there any assistance I can help you for checking online for the future?

utterance: I don't know, maybe it's just like a kink in the system why it wasn't working. I'll just wait and see tomorrow and if it's still not working tomorrow, then Yeah I'll just, I I'll call back and see what's happening .

utterance: Sounds good, those kinks do happen from time to time Well Mr. Smith I did want to thank you for being a valued Intellibank customer. And thank you so much and have a wonderful day.

utterance: Thank you, you too.

utterance: Thank you, goodnight.


utterance: Good afternoon my name is Lavinia. Thank you for calling Intellibank and how may I help you today.

utterance: Hi my name is Sarah Wooley, I need to change the way in which my statements are delivered. I'm just getting way too much junk mail and I feel like I'm doing really a lot of damage to the environment.

utterance: All right I I hear you. What you're saying you'd like to change the delivery method for your Statements. Thank you so much. sorry, we just had a little bit of static there on the line for a minute.

utterance: Statements.

utterance: It's OK.

utterance: I'd be glad to assist you with that today. may I have your first name and last name, please?

utterance: first name is Sarah S A R A H. Last name is Wooley W O O L E Y.

utterance: All right and for security purposes, may I get your four digit PIN number?

utterance: Seven two three one.

utterance: Seven two three one.

utterance: Mhm.

utterance: All right. Thank you so much and Sarah what is your date of birth?

utterance: seven twenty-eight eighty-four.

utterance: I'm sorry I couldn't hear that, one more time.

utterance: Seven twenty-eight eighty-four.

utterance: Thank you so much. All right thank you so much and accessing your information. I see that you have both your checking and your savings with us. Are your both your statement paper statements mailed to your house?

utterance: yes and I'd like some information too about how just to do everything online from now on.

utterance: All right. I'd be glad to do that for you. lets if you don't mind let me just get you set up with the new delivery method and then I'd be glad to assist you with that.

utterance: OK.

utterance: All right. so can you please confirm the address where your statements are coming right now?

utterance: sure they're going to forty-five thirty-seven Drummond's road. that's Nanuet New York. One zero nine nine four.

utterance: OK very good. So we will delete this as for statements being sent there but would you like us to still keep this on file as your current address?

utterance: sure.

utterance: OK very good. All right very good so bear with me one moment because I'm gonna be doing this for both your checking and your savings account.

utterance: OK. How are you doing today?

utterance: Oh thank you so much for asking I'm doing quite well how about you?

utterance: Good you sound like you're in the South where where am I calling?

utterance: Well actually I'm up in Rhode Island but I lived in North Carolina Tennessee and even Texas off and on for most of my life growing up.

utterance: Wow!

utterance: Well we were. I was an army brat so we traveled all kinds of places.

utterance: Do you prefer Rhode Island or do you prefer the south?

utterance: Well you know it's been a nice change. Living in Rhode Island is different from any place I've ever lived before and the weather is different so I I really welcome the change.

utterance: You know gotta say life is all about change. You just gotta roll with it just like golf ball rolling down the hill.

utterance: I guess so that's what they say death and taxes are the only thing you can count on.

utterance: This is true.

utterance: Speaking of taxes that's why I need my stuff emailed to me instead of mailed.

utterance: Oh you have to do your taxes?

utterance: Oh yeah.

utterance: Yeah I know.

utterance: I haven't done them for the past three years.

utterance: Oh my goodness well you're gonna have quite a bit of work ahead of you, aren't you?

utterance: I.

utterance: Guess so.

utterance: Oh well. All right well let's get this taken care of for you. OK Sarah the current email address I have on for you is Sarah Wooley at Gmail dot com.

utterance: OK.

utterance: actually no I've changed my email address.

utterance: All right so let me delete this from the system, one moment, please. All right that's been deleted and the new email address we would have keep for you as both your contact email and for the bills to be sent?

utterance: yeah, it's Sarah twenty-eight eighty-four at MSN dot com.

utterance: All right one moment OK very good that has been updated. and you said you had a question for me about something else?

utterance: Oh well I'm assuming the online banking I can just do that it's pretty self explanatory cracked user-friendly. Like.

utterance: It really is I I will though if you have trouble you can always call us and we can walk you through it. but pretty much anything that you call and ask for you can do online whether it's changing your information, checking your balance it's all there for you.

utterance: OK. All right well thank you I appreciate it.

utterance: Not a problem I thank you so much for being an Intellibank customer. You have a wonderful day.

utterance: Thanks, you too.


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

utterance: Yeah so I have a business and I have a million things going on at once and I keep forgetting to pay my credit card on time. And I keep getting late fees. I seriously have the worst memory. I lose my phone, my keys, I forget payments. I'm just a mess I I really am but I need to know if someone can help me.

utterance: Oh OK. I can help you with that. And who am I speaking with today?

utterance: Jill Baker.

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

utterance: Please you can call me Jill.

utterance: All right, Jill. So you have paid your credit card late a couple of times because you forgot about the payment. Is that correct?

utterance: I mean that's the the gist of it but yes I've I've just been kind of a mess with remembering things lately.

utterance: OK, Jill. Can I ask how many times you've paid your payment late?

utterance: I don't know. It's probably been like two or three times at this point. It wasn't on purpose. It was just it was just that I got really busy and then I forgot about that one payment needing to be due and having to go out and pay it. So was not intentional. I promise.

utterance: Yeah I totally understand that, Jill. So something that I might recommend for you, Jill, is our scheduled payments. We basically set up your account so that your payment drafts every month on the due date. That way we don't have to worry about going in and manually making your payment and it's an easy way to avoid paying any kind of late late fee whenever you're, you know, whenever you're working with a busy schedule.

utterance: Really? I didn't even know that was possible. It it does sound amazing though. can I enroll in that and is there any fee associated with the automatic payment?

utterance: Yeah, we can get you enrolled in that. No, there is no fee for our customers for the automatic payments. As long as you maintain an account with us, we can set that up for you for free.

utterance: OK. wait a second. forget waiving the fee. Forget everything. I just I want to go ahead and get scheduled for it if I can. Let's just set this up.

utterance: OK. I just need to get some information from you. What is your credit card number?

utterance: Yeah, can you hold on just a second while I grab that? Give me just a second. I got to get it out of my purse. Hold on. OK. So my credit card is three four six zero two nine nine eight.

utterance: All right, Jill. And what is the name of the business?

utterance: It's Johnson Controls.

utterance: All right. And the account has a four digit PIN number on it for security purposes. Could you share that PIN number with me as well?

utterance: Yeah. So that's six four seven eight.

utterance: All right. And are you wanting this to draft from your Intellibank preferred business checking account?

utterance: Yes, please. If we could do that I'll appreciate it.

utterance: OK. So I have run your info for Intellibank and it looks like your payment is due on the eighteenth month. So I'll set this scheduled payment up for the eighteenth if that's OK.

utterance: OK. And what will the payment be?

utterance: Well so the payment will actually change every month depending on what your your balance changes to. So right now it looks like your monthly payment is a hundred and eight dollars and forty-three cents. and that would be if if we drafted out this month, that would be what would draft out this month for you.

utterance: OK.

utterance: OK. I'm getting that set up for you now, Jill. Give me just a second, OK? I do wanna let you know too that I'm gonna go ahead and enroll you to receive a statement remember sent to your email. That will just notify you when the payment will draft and then I'll also have them send you a statement receipt. That will come after the payment is made. so you'll receive two emails from Intellibank right around that eighteenth of every month when that payment is due, OK?

utterance: OK.

utterance: Can you please give me your email address?

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

utterance: OK. Go ahead and get that set up for you. I'm gonna get the automatic payments set up for you so you shouldn't have to worry about getting any other kind of late fees or get running into any trouble as far as that concerned. All right. Jill, did you have any question about how this was gonna work?

utterance: No. I mean I understand what you're saying. So it'll automatically come out. So if for some reason say hypothetically, that there's not enough enough funds in the account to process it, then what happens?

utterance: Yeah so if for some reason you don't have enough funds in your checking account to cover that payment then at that point it would you'd receive an email letting you know that the payment couldn't process. But at that point it would also it would probably also draft an insufficient fee fund so you'd get an insufficient fee charge on your checking for that for that draft amount and then you'd also get an insufficient fee charge on your credit card for that payment. So you'd get two insufficient fee charges there well just similar to your late fee. So it's something you probably don't want to do if you think that you're running low on your checking account or you're thinking there may be an issue or you need to switch accounts. You can always give us a call back here at Intellibank and we can move that to another account to make sure that that payment processes successfully, OK?

utterance: OK. I understand what you're saying. I don't think that'll happen it's just like a hypothetical question was all I was trying to do.

utterance: I totally understand. I understand. so I've got that everything switched over. I've got the automatic payments set up. What I'm gonna do is I'm gonna go ahead and send you out an email of confirmation for this. It's basically just a disclosure saying that you've agreed to have your payment automatically drafted. So once you get your email if you can just confirm that. It's basically like sending a virtual signature. Just confirm that you agree to the automatic payments. Then looks like your next payment due on the eighteenth will process as normal. Was there any other thing anything else I could do for you, any other questions you might have before I let you go today?

utterance: No, I think that's everything. I appreciate it. This'll be a big help.

utterance: All right, Jill. Well thank you for choosing Intellibank. You have a great day.


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

utterance: Hi Rose. My name is Kim. How are you today?

utterance: I'm doing great Kim. Thank you so much for asking. How are you?

utterance: Oh oh excuse me. Sorry about that. Oh my goodness. I'm exhausted. It's been such a long day. I'm so happy it's over though for me. Hopefully it'll be over for you soon.

utterance: Oh yes ma'am you've a

utterance: I've started the train, the yawn train.

utterance: You've made it,

utterance: Yes, you've made it. contagious. Yes obviously my day needs to end as well. We both need some sleep.

utterance: Yes it sounds like it. It's been a long long Monday.

utterance: Well Rose I need some help please with adding a user to my my business account.

utterance: Sure I can definitely help you with that. I just have to ask you some questions. Get some personal information so then I can take care of that request for you okay?

utterance: OK. That sounds great.

utterance: All right. I need. I know you said your name is Kim. That's not Kimberly? Is it just Kim?

utterance: Right. Just Kim. Yes.

utterance: Or.

utterance: OK.

utterance: And what is your first I mean last name. Sorry.

utterance: That's OK. It's Johns. It's J O H N S.

utterance: All right. And your date of birth Ms. Johns?

utterance: April twenty fourth nineteen seventy-seven.

utterance: Thank you. And your pen?

utterance: It's two four one zero.

utterance: Thank you so much. And also the bank account number?

utterance: Your bank account number?

utterance: Right. Oh my goodness, excuse me. I'm so sorry. My bank account number is one one two One zero zero. Zero five nine four.

utterance: That's OK.

utterance: Thank you so much. And let's see here. Ok. Now I will need the new user's first and last name please.

utterance: sure. It's my brother. his first name is David. And last name is Johns. J O H N S.

utterance: Thank you. And your brother's street address?

utterance: his street address is. Let's see here. Here we go. his street address is seven four five Walnut Street. And that's Philadelphia, Pennsylvania. One nine one. Yes. One nine one zero one.

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

utterance: OK. You know I am not sure. If I grabbed that from him. Ok. can you hold on for just a a minute or two for me Rose? I'm gonna try and run down to the office.

utterance: Sure.

utterance: Yeah. Take your time.

utterance: Thank you so much.

utterance: You're very welcome.

utterance: OK. Rose?

utterance: Hi.

utterance: Yes. Thank you so much for holding. I'm so sorry about that. I've looked all over the place and I cannot find where I have. I had his. all his information. His address. His driver's license and social. anything that you guys might need and I cannot find that I I'm not sure where I put that.

utterance: Well I do need that information. And that's OK if you can't find it right now. when you do get a chance to locate that. If you could just give us a call back and we'll continue this and go ahead and add that user. Or you can also do this online. I don't know if you knew that?

utterance: Oh no. I didn't realize. OK.

utterance: Yes ma'am. I mean it's easier to do it just calling in and having us do it for you but you can you know. If if you don't have time to give us a call you can just add the user online.

utterance: Oh great. I may end up actually doing that once I get the information then. Thank you so much for your help today. I really appreciate it Rose.

utterance: OK.

utterance: Oh you are so so welcome. was there anything else that I could do to help you today?

utterance: nope that was everything. Thanks again.

utterance: You're very welcome. Thank you for calling Intellibank and have a wonderful evening.

utterance: You too. Bye bye.

utterance: Bye bye.