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

utterance: Hi William I was looking to get in touch with a notary, will there be one available that I could talk to at right now?

utterance: Well unfortunately we don't have one available right now, but I can set up an appointment for you to meet with a notary in the future if that works.

utterance: yeah I guess I could do that is that the best way to do it so you don't have a live notary there to talk to?

utterance: no unfortunately our notaries are only available by appointment only.

utterance: Gotcha OK yeah then yes I'd be happy to, to make an appointment if I could.

utterance: All right.

utterance: So I'm gonna need to start by pulling up your account.

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

utterance: yes the first name is Declan, that's D E C L A N.

utterance: last name is Gill, G I L L.

utterance: All right.

utterance: And what is your date of birth?

utterance: date of birth is gonna be six twenty-nine sixty-five.

utterance: OK, and what is your account number?

utterance: the account number is gonna be seven nine two one four two.

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

utterance: four digit PIN is gonna be one seven six two.

utterance: OK, please hold here while I pull up your account.

utterance: I have my my my address too if you like the six two nine six seven Simune Oval Lake at Doresmouth, Montana.

utterance: if that helps.

utterance: Not yet but I am going to need your ZIP code in just a moment.

utterance: OK.

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

utterance: now.

utterance: Let me get your ZIP code so that I can find a local branch for you.

utterance: So it's gonna be Montana five three four two nine.

utterance: All right.

utterance: We have a branch on Lexington and Williams.

utterance: is that the closest branch to you?

utterance: sounds about right, I think I've driven by it before, that actually jogged my memory, so yeah I believe that one will work for me.

utterance: And is there a particular date or days that works better for you for a meeting with the notary?

utterance: Let me check my calendar, I was wasn't prepared to set a date, I was looking to speak with someone directly, but do you mind if I put you on hold so I can check my my address book and make sure I'm a good date.

utterance: Please take your time.

utterance: All right so it looks like I've found an available date that would work well for me how does January the twenty-second sound?

utterance: Let me check and see if we have any availabilities that day.

utterance: As further enough in the future that I feel like that won't be a problem.

utterance: All right yeah we do have availabilities that day, what time of day were you looking to come in?

utterance: I could do in the afternoon around two p.m. if that works.

utterance: All right well I have you down for two p.m. on January twenty-second.

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

utterance: No that was it, I appreciate your help.

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

utterance: You as well, bye.


speaker_role: Agent

utterance: Hello thank you for calling Intellibank. My name is Augustina, how may I help you today?

speaker_role: Customer

utterance: Hi I need to make a wire transfer please.

utterance: You'd like to make a wire transfer?

utterance: Uh huh.

utterance: Alright I'd be glad to assist you with that today.

utterance: May I just you a few brief questions so I can access your information?

utterance: Yes go ahead.

utterance: Alright very good may I get your name please?

utterance: Samantha last name is Clarkson C L A R K S O N.

utterance: OK Samantha Clarkson and what is your date of birth please?

utterance: date of birth is two five sixty-two.

utterance: Two five sixty-two.

utterance: Uh huh.

utterance: Sorry my screen is just freezing one moment. Apologize for the delay. Alright thank you I did that may I also verify your four digit security PIN number?

utterance: three three one seven.

utterance: Three three one seven. One moment please.

utterance: My.

utterance: Social security is twenty-two three five seven one one.

utterance: Tha~

utterance: Thank you. I'm sorry to cut you off there's no need to provide your social security that is to provide your personal information but Thank you.

utterance: Oh.

utterance: I guess I'm too trusting.

utterance: Oh that's OK. All right, one moment. All right I the security PIN did go through and may I also have the account number from where you like to make the transfer.

utterance: can you hold the line for a moment please I have to get that information.

utterance: Of course.

utterance: OK I'm sorry did you need the you need the account number that I'm taking the money out of or the account number I'm putting money into?

utterance: Well I will I'll be needing is the account number you'd like to take the money from and then since you're doing a wire transfer I will need a routing number and the account number where you'd like the money to go.

utterance: OK the account number I'm taking out of my savings account that account number is seven seven three three.

utterance: Seven seven three three.

utterance: Uh huh and the routing number I'm putting it into it's a nine digit number are you ready?

utterance: I am.

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

utterance: OK and the account number going.

utterance: The account number where it's going oh oh shoot can you hold one second? I'm sorry.

utterance: Of course.

utterance: OK the account number is two one three.

utterance: Alright and Samantha what is the amount that you would like to transfer from your savings?

utterance: Nine hundred seventy-one dollars.

utterance: Alrighty.

utterance: Alright one moment while I put this into the system and while I'm doing that I'm just going to be verifying what we're doing.

utterance: You would like to transfer nine hundred and seventy-one dollars from your savings account number seven seven three three. We will be using the routing number of five five two three three one seven nine. And we will be transferring this to account number two two one three and also Samantha is this account that you're transferring it to a domestic or an international account?

utterance: international. Can you tell me the fee for that also please?

utterance: International. All right.

utterance: Yes ma'am I can let me just process this and then the fee amount will show on the confirmation.

utterance: Mm.

utterance: Every different banks charge different charge different fees.

utterance: OK.

utterance: So it's based on where it's going. Alright thank you that did go through I have a confirmation where I can send that to your email.

utterance: OK. Can you give me the confirmation number?

utterance: Alright that is one one one two two two three three three.

utterance: OK great.

utterance: And it shows here that the speed for the transfer is ten dollars.

utterance: Oh that's not bad.

utterance: Yes that is one of the lower one's that's very good.

utterance: OK.

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

utterance: Just curious do you have any banks in the international areas like France?

utterance: No we do not our branches are all located within the United States.

utterance: I see OK thank you.

utterance: Thank you so much and thank you for calling Intellibank.


utterance: Hi, this is Danny Brooks at Intellibank. How can I help you today?

utterance: Hi, how's it going? reason for my call is because I I was recently rejected from I applied for the Platinum Card and I I mean I've had an account with you all for six months and it first time I've applied for a card and I got I got turned down and I'm not quite sure why. I did get a notification saying my net income I didn't meet the the proper net income for for the Platinum Card. So I just wanted to speak to someone today about my net income just my account and to see if you know I'd be able to apply again for the Platinum Card or what other options I have.

utterance: Yes of course I'd be more than happy to help you with that today. Can I get your full name please?

utterance: Yes. My name is Brice Brice Benning.

utterance: OK and is that Benning with two N's?

utterance: Two N's, yes.

utterance: OK. Great. OK Brice. Can I get your birthdate please?

utterance: Yes. It's ten four eighty-two.

utterance: Ten four eighty-two. Let me pull up your account so I can check on your net income. In the meantime can I get your credit card number please?

utterance: Yeah hold on let me go grab it. It's in it's in the kitchen. All right. all right I got this card. it's five five four four nine nine five nine five two four four nine seven four three.

utterance: OK and is that five five four four nine nine five nine five two four four nine seven four three?

utterance: I'm I'm sorry that that three's actually supposed to be a six. I told you the wrong number yeah.

utterance: OK, so the last two digits are four six?

utterance: Yes yes yes that's .

utterance: OK great. OK so before we proceed I just need to ask you a few security questions.

utterance: OK.

utterance: just to verify your account. Can I get your account number?

utterance: Yeah hold on let me I'm looking at the statement so number at the top right of the page, right?

utterance: Uh-huh.

utterance: OK yeah that's fourteen thirty-six seventy-two forty-two eighty-four ninety-three.

utterance: OK so I have fourteen thirty-six seventy-two forty-two eighty-four nine three.

utterance: Yes that's right.

utterance: OK great and do you know your PIN?

utterance: Yeah six oh six.

utterance: Oh six OK great and just for the final verification purposes you set up some questions when you created your account and I'm just gonna go ahead and ask you those right now.

utterance: OK. Yeah yeah go ahead whatever you need.

utterance: OK, what school did you go to in elementary school?

utterance: I went to Carter Elementary.

utterance: OK and who is your favorite musician?

utterance: Favorite musician is Elvis Presley.

utterance: OK thank you for verifying that for me. I'm gonna go ahead and pull up your account right now.

utterance: OK.

utterance: OK I am in your account and do you wanted to verify your net income today?

utterance: Yeah yeah I I'd love to know because maybe that'll give me a better idea as to why I can qualify for the Platinum Card.

utterance: Yeah.

utterance: Of course. Let me see what I can do, and then we can go over your options.

utterance: OK.

utterance: OK so it looks like in the just in the last six months that you've been with us your net income was fifteen thousand.

utterance: Yeah OK yeah that that makes sense. OK

utterance: So I know you said you applied for the Platinum Card, correct? And you were rejected? have you thought about maybe applying for a cash back card? That card doesn't require as high of a net income.

utterance: I did.

utterance: it's disappointing I mean it's I mean I guess I could, you know. That's like the basic card you guys have. It's like it's like the card children get right? Like you know when like kids are starting to learn financial literacy, you give them one of those, or no?

utterance: Yeah.

utterance: Well, it's. It's.

utterance: it's definitely a good jumping off point a good starter card. the good thing about how our system works is once you have one card, the longer you are with us and you know the higher your net income is, we can go ahead and upgrade that card for you.

utterance: OK.

utterance: All right let me let me think about it and I'll and I'll and I'll call you back cuz I don't I don't know if I want the cash back card.

utterance: OK. so if you do wanna give us a call back we'd be more than happy to help with that.

utterance: OK thank you so much. I I appreciate it. I'll have to think about it.

utterance: Of course. Is there anything else I can help you with?

utterance: No that's fine that's OK.

utterance: OK have a great day.

utterance: All right.


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

utterance: Yes. So I'm at Johnson Controls and I have the Intellibank Business Preference checking account with you guys. And I received an invoice last week from one of my distributors. And I'm looking at my bank letter today. And apparently I've sent them two checks to this company for the same invoice. And I'm not I'm not one hundred percent sure what to do. But I have the Intellibank Business Preference checking account. So can somebody please help me?

utterance: Yeah. That's that's that's me. I can help you. I think you may be referring to our Intellibank Business Preferred checking account. But I can help you with that. Who am I speaking with today?

utterance: Yes that's correct. So it's Jill Baker.

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

utterance: Please, just call me Jill.

utterance: OK. So you. So just so I want to make sure I understand you right. You have issued two checks for the same invoice, is that correct?

utterance: Yes, that's correct.

utterance: And has the check been cashed yet?

utterance: No. The one has not. The first one did but not the second one.

utterance: OK. And have you contacted the company receiving the invoice to notify them?

utterance: Yes I have but they're a really big company and they said that they don't know if they would be able to catch it before it's cashed. So I'm kind of at their whim I guess.

utterance: OK. So let let me explain to you what we can do. So for the second cashed for the second check we can issue a stop check order for that one so that way if they do try to cash it the funds will not be processed. So that would be the option of what we could do for that second check in order to make sure it doesn't go through.

utterance: So will they penalize my account for that? Will I be like will I be charged for that canceled check? Will I?

utterance: no you should not be penalized on your account and you will not be charged for the cancellation for this specific instance. what I would suggest you do is contact that company that you have paid and then just let them know that because the invoice was paid twice you've issued a stop check for that second check. And you should be able to provide them the check number to kind of inform them. But that way they can kind of make a note in their account. So that if for some reason that they do try to process that check and it and it bounces they know that that payment's already been made.

utterance: OK. Then let's do that. Let's stop the check.

utterance: OK. Let me get some information from you. Jill, what is your account number?

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

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

utterance: It's Johnson Controls.

utterance: Jill, can you also give me your date of birth?

utterance: Yes, so it's March second of nineteen eighty.

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

utterance: Yes. So it's six four seven eight.

utterance: OK. And what is the check number that you're wanting to cancel?

utterance: It looks like it's check three zero nine nine zero.

utterance: All right. And what is what is the amount of that check?

utterance: It was for six thousand nine hundred dollars.

utterance: OK. And and I know we discussed it but can you just confirm the reason you're canceling this check again?

utterance: Yes. So I accidentally paid an invoice twice to one of my distributors.

utterance: All right. Thank you for that. I'm going to go ahead and issue the cancel order for this check. Give me a just a moment OK to get it fully canceled. OK. All right Jill. So I have put a stop order and a check cancellation on this. Do you happen to have access to our online banking?

utterance: Yes I do.

utterance: OK. So I do want to let you know that you can request a check cancellation through your online banking account just by clicking on the Stop Check option at the top of the page. So in the future if you run into this problem you do have the option of doing it there as well.

utterance: OK. That sounds really easy.

utterance: Yeah. So it's really simple. Just hit that Stop Check option at the top and then it'll give you a little drop-down box that lets you report that to us. And then we'll get that check stopped for you. Jill, was there anything else that I could do for you today?

utterance: Yes, so actually, while I have you on the phone, now I was wondering if you might be able to tell me the consumer price index?

utterance: Yeah. I can help you with that. So I have all the rest of your information but what kind of goods are sold at your business?

utterance: I sell medical supplies.

utterance: OK. And what periods are you wanting to get for that price year index?

utterance: So can I get the information for two thousand nineteen and twenty twenty, please?

utterance: Absolutely. Let me take a look at that for you. So for two thousand and nineteen the consumer price index for medical supplies was around eleven percent. But for twenty twenty the cost of consumer goods sold for medical supplies is around twenty-four percent. So twenty twenty was actually one of the highest averages for medical supplies since nineteen ninety-eight. The surge is likely probably the result of the pandemic and the influx of medical needs that its caused. But again it is one of the highest highest or I'm sorry, highest amounts it has been since since nineteen ninety-eight. So that's a significant jump over the past decade or so.

utterance: Yes. I knew it would be a lot higher for twenty twenty. I think twenty twenty-one will end up being pretty close to twenty twenty as well. Just because the pandemic has kind of continued.

utterance: Yeah so it looks like the average right now for twenty twenty-one is already at twenty percent. And we still have like five months left of twenty twenty-one. So so we definitely may surpass the twenty twenty CPI for medical, for sure.

utterance: Yeah. That's really, really high. I appreciate it. Thank you for looking that up for me.

utterance: Not a problem. any time you like to to find out the CPI for anything you can always find that information on the US Bureau of Labor and Statistics website. They also break down each good and each period and give a pretty detailed explanation to the current index. Or you're always welcome to call us back here at Intellibank any time you need assistance as well and we can look that up for you too.

utterance: OK, so you said it's at the Department of Labor.

utterance: No. It's the US Bureau of Labor and Statistics. I can give you their website if you have a pen. Their website is WWW dot B I S dot gov. So it's WWW dot BIS dot gov.

utterance: OK. Thank you. I appreciate all that information.

utterance: Not a problem Jill. Was there anything else that I could do for you today?

utterance: No. I think that's everything I wanted. Thank you so much.

utterance: No problem Jill. Thank you for choosing Intellibank. You have a great day.


utterance: Thank you for calling Intellibank my name is Kyle, may I help you?

utterance: yeah you said your name was Kale?

utterance: Kyle.

utterance: Kyle hi Kyle. I am looking to do a wire transfer. my son he's out on a road trip, the car broke down, he doesn't have any money for repairs, he doesn't have the same bank so I think we're gonna need to do a wire transfer. I understand this is a business account but look this is this is where the money's at right now so yeah if you if you don't mind I'd like to get started on that.

utterance: Absolutely sir. may. I do not I do not have any kids.

utterance: I don't suppose

utterance: You have kids yourself, do you Kale?

utterance: Don't do it.

utterance: Always in trouble like this.

utterance: This is not my first wire transfer.

utterance: I'm sure there's lots of good parts though too sir. So yes I'd be happy to help you any time

utterance: I I've actually been with Intelligent Bank for ten years and you guys have always been wonderful.

utterance: Excellent thank you sir. we here at Intellibank take great pride in our customer service and are happy to help any time and we can help you with this wire transfer.

utterance: Were were you the guy I was talking to earlier?

utterance: I believe so sir.

utterance: Great. I really didn't wanna have to talk to anybody else and you were so nice earlier I'm glad I got you again.

utterance: Yes it's great to talk to you again and I'm happy to help.

utterance: Serendipitous that is.

utterance: Absolutely. Could you please remind me of your last name.

utterance: yeah it's Warner.

utterance: OK Mr. Warner. what's your first name?

utterance: Jon and that's just J O N no H.

utterance: OK great. yes I see Jon Warner. Yes I definitely remember us talking earlier and happy to be talking again I just need a little bit more information just so I can get access to your account. Number one is your PIN.

utterance: my PIN is three three two one.

utterance: Excellent. Perfect and just one more question and then we can move on is just a security question which is can I have your date of birth?

utterance: yeah it's eight thirteen eighty.

utterance: Perfect. Thank you Mr. Warner I am in your account and.

utterance: How long is this gonna take by the way?

utterance: it shouldn't take. Well it depends if your wire transfer is domestic or international.

utterance: And what are we looking at fee wise?

utterance: It's domestic.

utterance: OK then that is a thirty-five dollar fee.

utterance: Oh.

utterance: Yes.

utterance: All right gonna have to just eat it.

utterance: Yeah unfortunately there's no way around it. It's not even our charge it's just the charge of the service that we use so so yes I how much would you like to send to your son?

utterance: Gotcha. Gotcha. Gotcha.

utterance: Six hundred.

utterance: Six hundred dollars. OK. Not a problem all I will need in order to make this happen we will get you in and out really quickly is I just am gonna need the routing number and account number for his account so that we can link the two up.

utterance: For his account? OK. All right. Ooh. All right. I'm sure I have that here somewhere. Let me just take a look. OK. the routing number is gonna be zero eight three one eight zero nine seven. You got that?

utterance: most routing numbers are nine digits sir just

utterance: What did I give you there? Eight zero three one eight one nine seven five six seven eight.

utterance: Yes.

utterance: Or we're missing the one on the end.

utterance: All right there's a one on the end so can you just say it one more time just to make sure that I have it .

utterance: Yes. Zero eight three one eight zero nine seven one.

utterance: Perfect. I'm gonna read that back to you. Zero eight three one eight zero nine seven one.

utterance: Perfect.

utterance: Excellent. Now just the account number.

utterance: And that's a twelve digit?

utterance: It depends on the bank. Where'd you say it was again?

utterance: He gave me just a bunch of stuff here. It's Bank of America.

utterance: OK yeah usually those are twelve I believe so we'll we'll try it out see.

utterance: I got I got I got it I got it. It's nine seven two two seven seven seven two two two one eight.

utterance: OK I'll read this back to you. Nine seven two two two two seven seven two two two one eight.

utterance: You got it.

utterance: Excellent. All right let me try this out. and it looks like they're connected and you said the total is six hundred so. it will .

utterance: If he needs

utterance: Any more, he's out of luck.

utterance: It will charge you six hundred and thirty-five total but we'll send you documentation of that.

utterance: do I have your permission to make this transfer sir?

utterance: Absolutely.

utterance: Excellent. All right. It looks like that is done. That didn't take too long so hopefully he'll be good to go with that. Is there anything else you would like before

utterance: Nope I think that was it.

utterance: Excellent well thank you for calling us and thank you for being a prized and valuable member to Intellibank and please call us back of you need anything else.

utterance: Thank you.

utterance: Excellent thank you.

utterance: Bye.

utterance: Bye.


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

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

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill so what type of loan are you wanting to apply for today?

utterance: So I've done some research and it's between the seven BA seven, I'm sorry SBA seven A loan and the SBA five oh four loan. I thinking I'm leaning more towards the SBA seven A loan though. But I'm not sure so. basically I just need some help with that.

utterance: All right Jill I can totally understand. So are you currently a customer with Intellibank?

utterance: Yeah, I have all my business accounts with Intellibank but can you kinda explain to me the difference between with those loans?

utterance: Yeah I can so on the SBA seven A loan, that is a business administration loan offered to a small business where the government assumes some of the risk for the bank. So that way the bank can approve these loans even when the business debt may be higher than allowed on a normal loan. The government guarantees some of the loan amount and then they can assist you in like capping those interest rates, liming the loan fees, that kind of stuff with the bank. For the five oh four loan, it is specifically for the purchase of a real estate purchase for the business. It is also a government loan, so it has some of the same government participation of the seven A loan. It just has to be used for the purchase of real estate. So it has the the exact same factors in it, as far as it being one of those loans I've seen that is assumed by, the risk is assumed by the government the government guarantees some of the loan. They they assist in capping interest rates, limiting those fees, that kinda stuff. So its very very similar in how its processed. The only difference is the five oh four must be specifically used for the purchase of real estate. Are you purchasing a property with this loan?

utterance: Yes, so we're trying to expand the business out and open another location. So, yes we're purchasing real estate. yeah, that's what we are doing with it.

utterance: OK, so I definitely think the the five oh four loan will be the best option for you as long as you meet that criteria to to apply for that. So if that seems like something that you're interested in we can definitely get you get the application submitted for that for you.

utterance: OK then let's move forward with the SBA five oh four then.

utterance: All right, what is you account number Jill with Intellibank?

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

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

utterance: Yeah, its Johnson Controls.

utterance: And Jill, can I get your date of birth please?

utterance: Its March second nineteen eighty.

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

utterance: Yeah its six four seven eight.

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

utterance: I'm in Kent City, Missouri.

utterance: OK and could you give me your street address there?

utterance: It's five one nine Hoover Road and the ZIP code there is seven three eight two zero.

utterance: All right and can I get a social security number for you, Jill?

utterance: Yeah that's seven three eight zero two zero seven eight three.

utterance: All right and Jill do you have a driver's license number and if so what is your driver's license number and the state of issuance?

utterance: I do have a drivers license, its M nine three seven zero zero two zero zero and its a Missouri license.

utterance: All right Jill and can you tell me are you the only owner of the business?

utterance: I am, its just me.

utterance: All right and when did your business open?

utterance: It opened October nineteenth of two thousand and eighteen.

utterance: OK.

utterance: And Jill do you know what your business grosses annually? Do you happen to have that information?

utterance: So I believe in twenty twenty it was five hundred and nine thousand if I'm correct.

utterance: OK what is your tax ID number Jill?

utterance: My Missouri tax ID is seven three eight eight two nine zero.

utterance: All right just need a couple more things from you. What is the address of the business?

utterance: Its eight three seven two Hillshire Way, Kent City, Missouri. Eight three six seven two.

utterance: All right and can I confirm an email address for you Jill?

utterance: Yeah its J Baker at Johnson Controls dot com. So its J as in Baker. I'm sorry J as in Jill Baker at Johnson Controls dot com.

utterance: All right Jill and where do you receive your mail at when it pertains to the business banking account? Do you receive that at the business address or your home address?

utterance: I receive everything at the business, you can just go ahead and send it there.

utterance: OK. I just need to confirm on this loan you are seeking to buy to buy a property, is that correct?

utterance: Yeah that's right.

utterance: OK and do you know what the address of the property it is you are looking at?

utterance: So yeah its eight four three seven West Buckley Road and its Kent City, Missouri. Three eight four nine zero is the ZIP code.

utterance: All and do you know what the property is currently listed or how much you are looking to borrow for this loan?

utterance: The property is listed at one hundred and ninety thousand so that's what I need to borrow.

utterance: All right and have you put anything down towards the loan?

utterance: Could I do like ten thousand down so not quite five actually so ten thousand down so five percent maybe.

utterance: Yeah I can do that for you. So you said ten thousand dollars down and do you know about what term you are looking at for this loan? About what time frame you are looking for that term?

utterance: If I could do like a twenty-five year that would be perfect.

utterance: All right I can put that down for you.

utterance: Jill I think that's everything I need for for now. So what I'm gonna do is, if you've got a couple free minutes, I'm gonna run this through and see if I can get that pre-approval. Gimmie just a second OK?

utterance: That's fine. How long do you think it will take?

utterance: It shouldn't take very long. Its almost done processing.

utterance: OK that's fine. I don't really have anywhere to be today. We are closed on Mondays but I just want to ask.

utterance: Well it shouldn't take very long. But that's really nice, it makes for a really long weekend for you.

utterance: Yeah we just never really get much business on Mondays. So I call Mondays my spoil day.

utterance: Well everybody defiantly needs a day to unwind there Jill so I'm glad you get you get a day to yourself.

utterance: Yeah my my husband likes to call it my maintenance Mondays. So its when I get my hair done and pamper myself.

utterance: Well that's really funny maintenance Mondays everyone defiantly could really use a maintenance Monday for sure.

utterance: That's what I'm saying. I think its so good. Catchy, catchy little thing that will catch on eventually.

utterance: Well Jill I'm glad that you get you get a day to yourself where you can, you can kinda pamper yourself. Everybody needs one of those. Jill I do I did I was able to get that pre-approval for this loan for you. So what I am going to do now is I'll email you a link to our loan portal with a list of documents that I will need for you to provide. Once you access that email, if you could upload those required documents there then a loan agent will reach out to you to assist you with the rest of the loan process. I do want to let you know that a pre-approval is not a guaranteed loan acceptance. And the loan will not be secured until all information is provided and can be verified. Do you have any questions regarding any of that?

utterance: No so they will send me an email and I then I'll just do everything in the email. And that's how someone will call me?

utterance: Yeah that's right. So you'll get documentation in there that tells you what we need from you. A link to the portal, you'll upload everything to that portal and then once you get everything upload there then an agent will reach out to you with twenty-four to forty-eight hours after that's uploaded to kinda follow up with the rest of the process. Was there anything else I can do for you today?

utterance: I don't think so, I appreciate it very much.

utterance: All right Jill, well I want to thank you for choosing Intellibank. You should receive that email very very shortly. Thank you.


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

utterance: Hi Jessica, how are you doing today?

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

utterance: Well, honestly I'm not having that great of a day listen I work, or actually, I own Pearce Goods and Fabrics, and we're kind of a new business and I've already sent some goods out to one of our clients, and they were supposed to have sent the payment for that by wire transfer last night and I'm pretty sure that they have not done that yet, and I've already ordered a next shipment, and it's pretty large and they're gonna be taking the money out for that tonight, so it that wire transfer is not gone through I'm I am in pretty hot water to be honest with you.

utterance: Oh well, I'm so sorry to hear that mam now If you would like I could go ahead and check into your accounts for you and we could go ahead and either check the balance to see if that transfer has come through or we could check into that transfer itself to see if that has gone through yet.

utterance: Well, Jessica, I actually do not have the information for the transfer right here in front of me, but yeah, if you could check the balance of our preferred checking that would be awesome.

utterance: I'd be more than happy to help you with that today mam. Let me get a little bit of information from you so I can pull up that account, OK?

utterance: Yeah, yeah, that's fine. Thank you.

utterance: OK, let's start off with your name.

utterance: Mrs. Bertha B E R T H A, Newborne N E W B O U R N E.

utterance: Thank you so much, Ms. Newborne. And may I have your date of birth, please?

utterance: Yes, mam. It is August the twenty-fifth, nineteen sixty-nine.

utterance: OK, I have August the twenty-fifth, nineteen sixty-nine. And may I also have your PIN number, please?

utterance: Yeah, it's six, eight, three, four, nine, six, seven, five.

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

utterance: That is correct.

utterance: OK, can I go ahead and have that checking account number, please?

utterance: yeah, it's nine, eight, four, two, four, three, seven, six, one, nine.

utterance: OK, I have nine, eight, four, two, four, three, seven, six, one, nine. Just one moment, let me pull that balance up for you Ms. Newbourne.

utterance: OK, great, yeah, thank you.

utterance: OK, Ms. Newbourne, I'm showing your preferred checking account balance as sixty-seven thousand, two hundred, ninety-two dollars and four cents.

utterance: Oh my god. Yeah, they have not sent that transfer through Oh my gosh, I am so aggravated. I'm I'm sorry, I'm not aggravated with you. It's just, it's this situation, it's so hard getting a new business going probably what I'm going to have to do is move some money out of my savings into our checking to cover that. But I guess I'll give them to the end of the business day to get that transfer gone through, because the payment for our shipment is not supposed to come out until probably about eight o'clock tonight.

utterance: would you go ahead and check the balance in our savings for me as well?

utterance: Yes mam, absolutely. May I please have that account number?

utterance: yeah, it's three, four, two, eight, six, three, five, nine, one, seven.

utterance: OK, I have three, four, two, eight, six, three, five, nine, one, seven.

utterance: Yes mam, that's correct.

utterance: Thank you so much, just one moment Ms. Newbourne, OK, I am showing the balance in your savings as one hundred and thirty-six thousand, four hundred twelve dollars and seventy-six cents.

utterance: OK, one thirty-six, four twelve, seventy-six. Correct?

utterance: Yes mam.

utterance: OK, yeah that's probably what I'm gonna have to do, I just wanted to double check everything would there there's not a fee for transferring money from our savings into our checking, is there?

utterance: No mam.

utterance: OK, good, good, good. That's probably what I'm gonna have to do then, but I will I guess I'll call back later to double check before I do that and If needed then transfer the money from our savings into our checking. How late are you guys here at the call center?

utterance: We're here until eight p.m. eastern standard time.

utterance: OK, OK, good good good, that will give me plenty of time to have that done then.

utterance: Well, yes mam, and also just a reminder you can always use our free online banking at WWW dot Intellibank dot com to check your balances and also you can transfer money from one account to another by using that, just in case It's too late or you can't reach us and you're needing to do this on the fly, like it sounds like you need to do.

utterance: I'm so sorry that this situation has happened to you.

utterance: Oh well, it's not your fault, I'm just I'm frustrated right now. Please ignore me.

utterance: Oh, I completely understand Ms. Newbourne. Was there anything else I could assist you with today?

utterance: no mam, not right now. You've been very helpful, Jessica. Thank you.

utterance: Yes mam Ms. Newborne, excuse me. Thank you very much for calling Intellibank, if there's anything else we can assist you with feel free to give us call back, OK?

utterance: Yes mam. Thank you so much.


utterance: Thank you for calling Intellibank my name is Daisy how may I help you?

utterance: Hi Daisy you know I'm always forgetting my PIN and I'm really sick of it cuz I have to call every single time that I forget and they have to tell me or I have to scour through my emails to so I'd like to change it is that possible?

utterance: you'd like to change your Intellibank PIN?

utterance: Yeah.

utterance: Yes absolutely I can help you with that.

utterance: do you remember it today because we will need it in order to verify your account?

utterance: Yeah.

utterance: OK let's go ahead and pull up your account.

utterance: What is your full name and address?

utterance: George Emery. One twenty-one Parkside Acres, Branson Missouri, five five three two four.

utterance: Thank you George.

utterance: What is your date of birth?

utterance: September twenty-first nineteen ninety-nine.

utterance: And what is your PIN?

utterance: Sixteen sixty two.

utterance: Thank you.

utterance: Please verify your checking account number for me.

utterance: Zero zero one six three nine two two one seven.

utterance: Thank you. All right let me pull up my PIN screen so we can update your PIN. Verify for me again your PIN.

utterance: Sixteen sixty-two.

utterance: And what would you like the new PIN to be?

utterance: Eighteen twenty-four.

utterance: One eight two four.

utterance: Yeah.

utterance: All right George I have updated that would you like me to send you that in a email?

utterance: Yes please.

utterance: All right what is your email address?

utterance: G Emory Trades at Hotmail dot com.

utterance: G E M O R Y T R A D E S at Hotmail dot com?

utterance: That's right.

utterance: All right George you'll receive that information momentarily. Is there anything else I can help you with today?

utterance: god I can't believe I had to update my PIN you know I'm a really forgetful person.

utterance: Yeah that happens to the best of us.

utterance: Yeah well while I have you on the phone I got this letter about an Intellbanks something or other silver credit card.

utterance: Is that something you guys still offer?

utterance: Yes we do let me look up that information.

utterance: Do you have questions about it?

utterance: Yeah I just want to know the general information about it.

utterance: Details? OK.

utterance: Yeah.

utterance: All right.

utterance: For your small medium business, small medium size business Intellibank offers our IntelliBusiness silver card this card allow you to reduce the administrative charges and to manage easily the expenses of your cards online. It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit pro profile.

utterance: It has no annual fee you can earn unlimited one point five percent cashback on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel and more.

utterance: Earn rewards faster with employee cards at no additional cost.

utterance: Set individual spending limits for greater control over your companies expenditures.

utterance: Your card transactions will be monitored for possible signs of fraudulent activity using our real time state of the art fraud monitoring systems.

utterance: You won't held be responsible for unauthorized charges made with your card or account information.

utterance: And you can customize your card with your own business logo and design.

utterance: We currently do have a promotion George.

utterance: the current promotion on the IntelliBusiness silver card is first twelve months no zero percent intro introductory APR. After the intro period it rises between thirteen point two four percent and nineteen point two four percent depending on your credit worthiness.

utterance: OK.

utterance: Well that seems pretty good for my business you know I don't know I guess I am going to have to take it up with my financial advisor.

utterance: All right.

utterance: would you like me to send you this in a email?

utterance: Yes please.

utterance: All right one moment while I pull that up.

utterance: How's your day going Daisy?

utterance: My day is going great George.

utterance: How about you?

utterance: it's going pretty good.

utterance: You know it's a nice day we're having out here.

utterance: Great weather.

utterance: Good I'm glad to hear it. I've sent that email is there anything else I can help you with?

utterance: Great nope there's nothing else.

utterance: Thank you George have a great day.

utterance: You to bye.

utterance: Bye.


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

utterance: Hi, Anton.

utterance: Hi.

utterance: I just I just need to make a little change to my account.

utterance: Sure, what do we need to do?

utterance: I mainly need to change my phone number, I think.

utterance: Perfect. You called the phone number change department so.

utterance: Oh .

utterance: let's see here. Can I get your name, please?

utterance: My name is Dupreen.

utterance: Dupreen?

utterance: Dupreen Gregorio.

utterance: Gregorio.

utterance: Dupreen Gregorio.

utterance: all right. What's your account number?

utterance: Oh, oh well, I didn't know you're gonna ask because I was just calling to change my credit card I mean my phone number.

utterance: Sure.

utterance: Yes, ma'am. But I need your account number to be able to get into your account to change your.

utterance: Well

utterance: Then I'm gonna need you to hold on a minute.

utterance: OK.

utterance: Four two.

utterance: No worries.

utterance: OK.

utterance: To do to do.

utterance: Anton?

utterance: Yes?

utterance: OK, great. I got it.

utterance: You're ready?

utterance: yes, I'm ready.

utterance: OK. the number for my account here is at Intel Bank. Intel Bank?

utterance: Intellibank.

utterance: OK at Intellibank is four two six three zero zero four two one two.

utterance: Cool.

utterance: Wow.

utterance: It's casual Friday at work.

utterance: Yes. It's we'd like to do casual Fridays on Wednesdays and your date of birth?

utterance: My date of birth six eleven ninety.

utterance: Six eleven ninety and the last four of your zip code's social number?

utterance: My zip code.

utterance: Your. I'm sorry. Your social security number.

utterance: My social security number. Four four two one.

utterance: Four four two one.

utterance: Perfect. Oops, I see here. Your current phone number you have with us is nine two nine four three seven eight two one nine.

utterance: Mhm.

utterance: What would you like to change that to?

utterance: Oh, well I have three accounts with you and I would like to change all of them to the same number that I'm about to give you.

utterance: OK. Well, let's start with this one.

utterance: We have to do them separately?

utterance: Yes.

utterance: Yes, we do cuz there's different account numbers and it just. we just have to them separately. But I'll write the phone number down so that we can get into the right accounts and I'll change the numbers. You don't have to keep repeating it to me.

utterance: Thank you, Anton

utterance: Anton.

utterance: Anton.

utterance: Yup.

utterance: OK. Are you ready for the number?

utterance: Yes.

utterance: Seven one four.

utterance: Seven one four.

utterance: Six two one.

utterance: Six two one.

utterance: Three two four two.

utterance: Three two four two.

utterance: Mhm.

utterance: All right. It's officially change to seven four one six two one three two four two.

utterance: Thank you, Anton.

utterance: And you're welcome and can I get the number to your second account number?

utterance: Do you have time to wait again?

utterance: Sure.

utterance: I thought I would just be able to give you the new phone number and you could just make a broad shift for all of my accounts at once.

utterance: I just want.

utterance: I just wanna double kinda double check. Make sure we got the right one. That's that's just so that you knew are just so you you receive the highest quality of service from us.

utterance: OK. When you put it like that all right. and I found the other card.

utterance: All right.

utterance: And the number is six six nine one two four three six two one zero.

utterance: All right and I see the number there. Let me change it. Seven one four six two one three two four two. Great and do you have the last one?

utterance: Yeah.

utterance: Four three nine one eight two one six six two two.

utterance: Mm.

utterance: Great. All right and I'm gonna change it. It's seven one four six two one three two four two. Perfect. We've changed them all. What else can I do for you?

utterance: Well.

utterance: And Gregorio.

utterance: What can you tell me about any loans that I might be Can you just send me an email actually?

utterance: Oh there's several.

utterance: Oh, you don't wanna hear about it?

utterance: I do.

utterance: OK. .

utterance: I just have.

utterance: To go.

utterance: But OK. Well, there's the SBA seven loan.

utterance: I just. I I.

utterance: I just have to go so if you could just send me an email.

utterance: OK. Sure, I'll send it in.

utterance: the SBA five oh four loan.

utterance: we also have a real estate loan loan just .

utterance: I'm having a really rough

utterance: Day. I'm not gonna be able to remember this. Maybe you could just send it in an email.

utterance: Sure. What's. What's

utterance: An email I can send the information for?

utterance: Dupreen Gregorio.

utterance: Dupreen Gregorio.

utterance: Equals love.

utterance: Equals love.

utterance: At Outlook.

utterance: At Outlook dot com. OK. I'm emailing it out. OK, bye.

utterance: Bye.


utterance: Hello thank you for calling Intellibank. This is Tobin. How can I help you today?

utterance: Hey Tobin I do you do you know much about stocks the the stock market or?

utterance: Little bit little bit.

utterance: OK well I own I own some stock I own stock in Almond Joy.

utterance: Oh.

utterance: Yeah.

utterance: Really really good stock honestly I dunno if you got Almond Joys but. They're really good. Yeah.

utterance: The candy?

utterance: It's a classic.

utterance: Yeah so I own stock in that

utterance: And I guess I dunno Reese's Reese's Peanut Butter.

utterance: is is selling stock to I guess.

utterance: Great oh so you're. Those are stocks you're kind of scouting?

utterance: So to speak yeah I guess you could say I'm scouting the RPB yeah.

utterance: Mm getting into the candy world.

utterance: Yeah.

utterance: Did you want to get a stock quote on those today? I can provide those by phone.

utterance: Yeah.

utterance: Yeah sure, let's let's hear the stock, the RPB.

utterance: Mm.

utterance: You got it.

utterance: Happy to help you out. RPB.

utterance: OK.

utterance: Yeah.

utterance: Great your are you an existing customer with us?

utterance: yes yeah I am.

utterance: Perfect perfect. that should make this move a little quicker but let's get that stock quote going for you.

utterance: I do need your first last name and date of birth.

utterance: OK.

utterance: Yeah Cally Olson.

utterance: Cally Olson.

utterance: yep date of birth is July first nineteen ninety-one.

utterance: July first nineteen ninety-one.

utterance: Mhm.

utterance: Your four to eight digit PIN number please?

utterance: two two four eight three seven.

utterance: Two two four eight three seven.

utterance: Yeah.

utterance: So you want to look up Almond Joy and Reese's is that right?

utterance: no let's just do the Reese's RPB please.

utterance: RPB.

utterance: All right let me generate that current quote for you.

utterance: OK.

utterance: And then maybe that will help you make your decisions on the stock market.

utterance: Mm yeah I usually just buy stock in the candy companies.

utterance: Oh.

utterance: They just usually do the best in my humble opinion you know.

utterance: Seems pretty consistent.

utterance: Yeah.

utterance: Because they're you know they never go out of style they're never go out of business like.

utterance: That's true.

utterance: Yeah.

utterance: That's true I imagine around Halloween there's a little boom huh.

utterance: Oh yeah yeah they will yeah they just totally went crazy. Prices skyrocketed.

utterance: All right I have that RPB quote for you. It is currently trading at three hundred and eighty-six dollars and twenty-five cents per share.

utterance: Holy cow. OK yeah.

utterance: Wow.

utterance: Yeah I think I'm gonna have to invest in some of that later on.

utterance: OK great thanks.

utterance: Well best of luck with that.

utterance: Yeah.

utterance: And while you are on the phone here with Intellibank is there anything else I can get for you?

utterance: maybe yeah yeah yeah can you can you get me some info on on the treasury bond yield please?

utterance: Absolutely did you purchase a bond with us a while back?

utterance: Yeah I did I did.

utterance: OK. So we have a lot carry over a lot of information I have for you but I know we set up separate PINs for our bond accounts. Do you remember that PIN number it's a four to eight digit number?

utterance: Yeah that one's two eight seven eight.

utterance: Should be.

utterance: OK make sure that let's me into the system. One second while it processes.

utterance: OK.

utterance: OK now what is the time period of that bond?

utterance: It's a five year bond.

utterance: Five year bond. So that's a five year bond set to expire in two thousand and twenty-six and looks like the treasury bond yield for that bond is eight point six percent.

utterance: OK.

utterance: All right.

utterance: Oh boy, OK. Six point eight you said?

utterance: Eight point six percent. Mhm.

utterance: and just a reminder you can also check all this information at Intellibank dot com or the Intellibank banking app and you are also free to call of course that's what we're here for but that will give you access to your account twenty-four hours a day seven days a week outside of the hours that the call center is closed.

utterance: OK.

utterance: OK am I able to purchase different well I guess not different but like more than one bond with you guys at a time or how does that work?

utterance: You absolutely can and also want to let you know we have some investment specialists on hand and you can set those appointments up online or even walk up walk in to your local branch and just ask for the investment specialist and they'll be able to help you out in that area.

utterance: OK great well I'll do that then. Thank you so much.

utterance: All right thank you so much have a good night.

utterance: You too.


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

utterance: Hi Jordan! I am calling because I want the FAQ business document requirements. Like what I have to send in possibly applying for a loan or opening a new account.

utterance: OK, yeah. I can definitely help you with that. And do you already have an existing account with us at Intellibank?

utterance: I do.

utterance: Great. So as the easiest way to go about this is to start by giving me your information so I can access your current account. So, what is your full name as it appears on your account? First and last.

utterance: My name is Tanner Boyd.

utterance: OK, Mr. Boyd. And can I get your date of birth?

utterance: July first, nineteen seventy-nine.

utterance: All right and can I get your four digit pin?

utterance: It is one one three eight.

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

utterance: Three oh eight four six one.

utterance: Great. All right. Hold on just a moment here while this loads. how's your day going today?

utterance: Good. How are you?

utterance: I'm pretty good.

utterance: All right.

utterance: OK, here.

utterance: Is it almost there?

utterance: Just about. OK. All right, I do see your account here. Thank you very much. so let's see here. so basically most of the info for a real estate loan we have on file here, would just need to be confirmed. But there are a couple of pieces of information that we would actually need from you physically and those can either be mailed to us or brought in to any one of our offices. And that would be your business license, two years of personal tax returns, two years of business tax returns and two years of year-end financial statements. but the rest of the information we can go ahead and get started on just by you confirming what we have on file for you. Would you like to go ahead and do that?

utterance: Yes, I would like to apply for a real estate loan if we can do that right now.

utterance: All right, yeah. No problem. So to get that process started, we're gonna need your social security number.

utterance: Oh, OK. It is eight nine two three six four three one zero.

utterance: All right. And what is your driver's license or state issued ID?

utterance: C as in California J as in Jack, three nine three one zero six two.

utterance: And what is your tax ID number?

utterance: Tax ID is eight eight eight seven zero one three nine four.

utterance: And what is your email?

utterance: Email is T B A T B A, like to be announced, at Yahoo dot com.

utterance: And what is your mailing address?

utterance: Mailing address fourteen thirty-six North Los Altos Way, Los Altos California nine four zero two two.

utterance: Are you the sole owner of the business?

utterance: I am.

utterance: And when was the business established?

utterance: nineteen eighty-six.

utterance: And you said the purpose for this loan was real estate?

utterance: Yes.

utterance: And how much is the cost of the property.

utterance: estimated six hundred and fifty thousand dollars.

utterance: All right. I have this all entered in here. So as soon as we receive the four pieces of physical documents that we require from you, we will be able to process this and get you a result in seven to ten business days. Is there anything else I can help you with today?

utterance: No, that'll do it.

utterance: Thank you for calling Intellibank. Have wonderful rest of your day.

utterance: You too.


utterance: Hello?

utterance: Oh hi, how ya doing? This is Intellibank I am Stevie, how are you?

utterance: Oh hi Stevie, I'm all right, how are you doing?

utterance: Oh I'm doing grand.

utterance: Grand slam.

utterance: Yeah.

utterance: Grand slam.

utterance: Did you see the Dodgers lose the other day? I don't know if you're caring about Los Angeles?

utterance: well, I live in Dubai.

utterance: So do you follow Dodgers or?

utterance: I don't I'm sorry I don't know what a dodger is.

utterance: Oh well that's refreshing.

utterance: are they the cricket team or the bowling key team?

utterance: Mhm

utterance: Yep, they just blonkers.

utterance: Oh. What can I do for you today?

utterance: I simply need to change the email address I have on my account.

utterance: Perfect, well can I start with your name.

utterance: Ines.

utterance: Ines.

utterance: Ines Diega.

utterance: Ines Diega. All right Ines Diega can I get your account number?

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

utterance: Perfect and what's the email address you're looking to change to?

utterance: I wanna change to real diega at iCloud.

utterance: Perfect, real diega at iCloud.

utterance: Mm mhm.

utterance: All right, what else can I do for you today?

utterance: Oh you know, I I really could use some kind of a loan.

utterance: Really?

utterance: Maybe.

utterance: OK well let me tell you about our different options on loans. We have the SPA five oh four loan. Mm mhm We have the SPA seven loan. Mm mhm and we have the real estate loan. Which loan, what type of loan, what would you need this loan for?

utterance: I just could use a little extra cash flow in my small business.

utterance: Oh, well, I may I recommend the SPA seven loan.

utterance: Mhm have you ever taken out a loan?

utterance: No, no not at all. I'm responsible with my money.

utterance: Oh wow. A a little feather just floated down and tickled me.

utterance: Yeah so let's see. Would you like to see what your pre approval odds are?

utterance: Yeah.

utterance: All right, let me run this information. Your pre approval odds are fair. Would you like to apply for it?

utterance: Fair?

utterance: Yeah.

utterance: What does that mean for me?

utterance: It means, you know, it means you have a fair shot at getting it.

utterance: OK, yes.

utterance: All right great. Let's see, let's run this Once you get that money you'll totally be able to revamp that business and move your business up in to the next level. I hope you're excited.

utterance: I am excited.

utterance: Yeah. What are you gonna do with the loan money when you once you get it?

utterance: Oh. Well there's a lot that I that I need to do so I'd rather not get into it with you right now.

utterance: Oh, OK.

utterance: Yeah.

utterance: No worries. Cool.

utterance: Mhm.

utterance: what was the email address I just told you I wanted to change to?

utterance: Real

utterance: Diega at iCloud dot com.

utterance: OK.

utterance: Ooft. Unfortunately you did not get the loan accepted.

utterance: Oh.

utterance: you'll get a letter in the mail explaining why.

utterance: And you can't tell me why right now?

utterance: No.

utterance: You can't tell me at all?

utterance: I can't no because I don't know.

utterance: It doesn't say? It just says I was not accepted.

utterance: Yeah.

utterance: Oh.

utterance: I'm sorry for that.

utterance: I'm also sorry about it. hmm.

utterance: Is there anything else I could do for you? I could transfer you over to our finance department. Maybe they can help you out a little bit.

utterance: They might have information that you're not able to access right now as to why I wasn't approved?

utterance: Yeah.

utterance: Cuz they're

utterance: Yeah, cuz they're a little bit more they're they're above us and we're just the ole tellers, the old phone grabbers. Phone talkers.

utterance: Whoa. You're just a bank teller talking on the phone?

utterance: I'm just

utterance: A telecom communicator.

utterance: Oh.

utterance: Telecom dude.

utterance: OK.

utterance: Is that all you needed from me today? Or did you want me to transfer you or?

utterance: I .

utterance: I mean I

utterance: I thought I just wanted to change my email address now I'm leaving this call with a loan decline and a little bit of confusion.

utterance: I'm sorry.

utterance: Me too.

utterance: Did maybe like an ex husband or something steal your credit card?

utterance: No what?

utterance: I don't I I don't know.

utterance: I've never even been married.

utterance: Oh wow. OK.

utterance: Could you

utterance: Transfer me to the other

utterance: Yeah sure. I'll transfer I'll transfer

utterance: You now.

utterance: OK thank you.

utterance: Bye.

utterance: Goodbye.


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

utterance: Yeah. How you doing Jerry? I was gonna call yesterday, but I got a little tied up. But, but anyway I I been. I got some extra cash, you know. I wanted to find out. Maybe you could help me. How I can get. How I can make this cash work for me.

utterance: sure. And I'll be happy to assist you with that. let me go ahead and pull up your account and see exactly how we can be of assistance to you. first of all, what's your first and last name?

utterance: Benjamin Freeman.

utterance: All right. Thank you Mr. Freeman. And Mr. Freeman, was it the name of the business that has an account with us?

utterance: Ray's Construction Company.

utterance: All right. And let me go ahead and ask a few questions here for account verification purposes. the of course account verification is really for you and your business's protection, as we do take your account security very seriously. Mr. Freeman. Let me ask, what is your date of birth?

utterance: three twenty-six nineteen seventy. And my phone number is seven seven zero two two zero five eight five nine.

utterance: All right. Well thank you for that. I certainly appreciate that information, Mr. Freeman. let me ask. what is your business address?

utterance: Oh, my business address, that's three six eight eight Layman Court, Smyrna, Georgia, three zero zero eight zero.

utterance: OK. Thank you. And Mr. Freeman. what is the account number for your account?

utterance: OK. hang on just a second please. OK. Here we go. That number is nine eight four six five nine one nine.

utterance: All right. And Mr. Freeman, what is your PIN number?

utterance: That PIN number is is one seven nine five.

utterance: All right. Thank you for that Mr. Freeman. And let me see if I can get this pulled up here for your account and we do have that verified, Mr. Freeman. Now, you mentioned that you have some extra cash that's coming into your business and you were wanting to put that to work. are you looking for you know, something that's a little riskier, or are you looking for a pretty safe investment?

utterance: safe investment.

utterance: OK. Well, if that's the case Mr. Freeman, the safest place to put that money, generally speaking, would be in a treasury bond. are you. Oh. Looking for a particular type of bond?

utterance: As long as it's safe. As long as it's safe. A thirty year. Thirty year bond. Some type of thirty year bond.

utterance: All right. Thank you for that. let me pull this up for you here, Mr. Freeman. If you're looking at something like a thirty year bond, I'll just tell you, what the yield is on that. is that something you'd be interested in?

utterance: Yes, sir. Yes, sir.

utterance: OK. Yeah, I mean if you're looking at putting some of that extra cash into a safe place, the thirty year bond would have, as of today, a yield of one point nine one four percent.

utterance: OK. All right. That's workable.

utterance: And of course, Mr. Freeman, there are other types of bonds as well, but the thirty year bond, as you know, is tied to the thirty year mortgage.

utterance: Yes.

utterance: Which is why it's such a safe investment, because generally speaking, in the broad spectrum, most folks don't default on their thirty year mortgages.

utterance: No. No. No. They they they don't. They lose the house for my get the money cheap coming.

utterance: Pretty much. and so that's why it's a very safe investment. But you also see there of course, the yield on that is about just under two percent.

utterance: Oh, yeah.

utterance: And Mr. Freeman, is there anything else I can help you with?

utterance: No. No. No. That'd be all right now, I appreciate that. That's that's good info you gave me. I really You've been very, very helpful. Every time I call, you've been very helpful. I thank you so much and thank you for your patience.

utterance: Oh, well thank you for giving us a call and if that's all you enjoy the rest of your day.

utterance: You too. Bye bye.

utterance: Bye.


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

utterance: Yes, so would you be able to tell me my net income for twenty twenty please?

utterance: Yeah, I can do that for you, who am I speaking with today?

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you are wanting your net income for twenty twenty, is that correct?

utterance: Yes, that is correct.

utterance: All right and do you have an account with Intellibank?

utterance: I do, I have several and just out of curiosity, can you tell me exactly what the net income majors and what do interest companies use it for?

utterance: Yeah, so your net income majors are net earnings minus the cost of goods sold selling, general expenses, administrative expenses, operating expenses, depreciation, interest, taxes other, just basically all the other business expenses. So it's a useful, a useful majorment for investors to assess how much revenue exceeds the expenses or you know, expenses for a business or an organization, so it's not so much used by insurance companies as it is investors If you have somebody that's wanting to to, basically you know take some steak into your business and, and to invest in that. These are things they would use to determine whether or not there's a legitimate and, and a legitimate reason for them to want to do that and that they will gain something from that.

utterance: OK, that makes sense, I appreciate it.

utterance: All right Jill, what is your account number?

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

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

utterance: So, wait a second, that's not my account number, I apologize, that's that's my personal account number. My number for Johnson Controls, that's the name of the business it's three eight three seven two, not seven two nine four.

utterance: OK Jil, no problem at all. what is your date of birth and social security number please?

utterance: It's March second of nineteen eighty and it's three seven four nine zero seven four three nine.

utterance: OK. And it looks like this account also has a four digit pin number on it for security purposes, could you possibly share that pin number with me?

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

utterance: OK, and Jill what kind of time frame are you looking at for this report, like what periods do you want me to run for?

utterance: So just twenty twenty, that should be all that I need right now.

utterance: All right.

utterance: Can you tell me again real quick? I'm so sorry, I, I wasn't, I want to take some notes on it, but can you just explain to me again what exactly the net, the net income is, can, can you tell me about that again, I'm sorry, I know I was paying attention but just tell me again what it majors.

utterance: Yeah, absolutely, it's not a problem at all. So the net income is your net earnings minus the cost of your goods sold selling, general expenses, administrative expenses, operating expenses, depreciation for the business, interest, taxes and any other business expenses that you might have that would fall into that category. so what its majoring is, it's basically majoring for investors so that they can assess how much revenue exceeds the expenses of a business or an organization, so it's just basically helping them determine your value of your business.

utterance: OK, I'm sorry, I didn't mean to make you repeat that, I just needed to, to write it down.

utterance: That's no problem at all, so let me run these metrics for you, it gonna take just a few minutes. while I pull up all this account info for ya, are you also wanting me to, to to I'm sorry, to send you a copy of this report to your email today?

utterance: Yeah, can you do that for me? That'd be great.

utterance: Yeah, let me confirm your email address Jill, so is that J Baker at Johnson Controls dot com?

utterance: Yeah, that's my email.

utterance: OK. Thank you for that. I'm running the metrics now, give me just a moment.

utterance: That's Ok, are you watching the Chiefs game tonight?

utterance: Oh, absolutely, I would not miss that.

utterance: Do you think they're going to beat the Raiders?

utterance: Yeah, they've had a remarkable season so I think that we'll continue that streak tonight.

utterance: Oh, I think their going to win too, I'm really hoping they go all the way to the Super Bowl like we're big Chiefs fans at the household so, we're definitely excited about this game.

utterance: Me too, I, I definitely think that they can do it for sure, they've done some really big things this year, so I'm really looking forward to see what comes next for the Chiefs. Jill, I do have that net income information for you. if you have a pen I'll give all that to you too I'm, I'm going to email it to you as well so if you just, you just want me to tell you verbally, I can do that as well but it looks like your net income for twenty twenty was a hundred and twelve thousand eight hundred and thirty-nine dollars.

utterance: so does it tell you what like a normal average is for, for net income, which is that high or low for what I have?

utterance: So they break the net income into ranges and that varies by industry and the size of your business but as a general rule of thumb, like a ten percent net profit margin is considered average and a twenty percent is considered higher good. So your range is around a nine percent, so, so it's pretty good, it's not quite at the, the good margin, but it's pretty darn close to it.

utterance: So does Intellibank, do they report or track that to anyone?

utterance: No, so, Intellibank does have the ability to pull it up, just as I did for you today, we can pull that up for any of our customers, but we don't track that unless it's requested. And we don't, we don't submit that anywhere, so it's not, it's not actually reported anywhere on a national level.

utterance: OK, so do you know how you make your net income better?

utterance: Yeah, so the metrics is based solely on information obtained from your account history and previously provided information on your financial accounts, so it's taking into account all the loans, all the credit cards, just basically any kind of debt that you have sitting with the business so I mean, your best way to improve that is to just kind of cut back on your debt so start paying things off, maybe apply for less loans unless it's absolutely needed, spend less money on your credit card unless it's absolutely needed, just anything to take that debt cycle down is automatically going to improve that number for you.

utterance: OK, so then you're going to email all of this to me?

utterance: Yup, I'm gonna send it in a email right now. Was there anything else I can do for you today?

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

utterance: No problem at all Jill. Thank you for choosing Intellibank, you have a great day, OK?


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

utterance: yes, I have a business total checking account, and I would like to set up an automatic billing.

utterance: OK, I can certainly help with that. Can I have your name please?

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

utterance: Thank you, and your date of birth, Mr. Thomas?

utterance: May twelfth nineteen sixty.

utterance: And your PIN number?

utterance: One zero six two.

utterance: Thank you. And can I have the name of who you would like to be paying this bill to?

utterance: Crystal C R Y S T A L West W E S T.

utterance: OK and can I have the address that we will need to send this to?

utterance: thirty-six Edgemart Lane Canyon Country California nine one three eight seven.

utterance: OK, let me just verify, that's thirty-six Edgemart Lane, in Canyon Country, California ZIP code nine one three eight seven. Did I get that correct?

utterance: That's correct.

utterance: Great. And I, can I have the account number for the account you'll be paying this bill from?

utterance: OK, hang on a second, let me get it.

utterance: All right, no problem, just let me know whenever you're ready.

utterance: How's your day been going?

utterance: It's been going pretty good, can't complain. How is yours?

utterance: Oh not too bad.

utterance: Oh that's great to hear.

utterance: OK I've got it.

utterance: All right sir, whenever you're ready if you could just give me that account number.

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

utterance: OK and let me read that back to you, seven three zero six nine five six eight two nine. Is that the correct number?

utterance: That's correct.

utterance: All right, fantastic. And would you like to send an eCheck or a physical copy through the mail?

utterance: let's do a physical copy through the mail.

utterance: All right, I can certainly do that. And what date would this payment need to take effect?

utterance: The tenth of each month.

utterance: OK, so the tenth of each month, and the amount of the payment?

utterance: Two hundred dollars.

utterance: All right, and that's two hundred dollars and zero cents?

utterance: Yes.

utterance: All right, thank you. And then I will just need the account number that you will be putting this payment into.

utterance: OK, hang on a second, let me see if I can find it.

utterance: OK.

utterance: OK, I've got it.

utterance: All right, whenever you're ready, sir.

utterance: Two zero nine zero two one eight four two zero.

utterance: OK, let me read that back. Two zero nine zero two one eight four two zero, is that correct?

utterance: That's correct.

utterance: Great. And then I lastly will just need the routing number for that account.

utterance: OK, let me see if I can find it.

utterance: OK, take your time.

utterance: Well, I've looked and looked, I don't seem to have it.

utterance: All right. Well unfortunately, Mister Thomas, without that routing number I won't be able to set up and implement this automatic billing today, but I just wanna let you know that if you do find that routing number in the future you can always give us a call back here and finish setting this payment up or if you have online banking with us you can also log on through the online banking portal and set up automatic billing at your own convenience.

utterance: OK, I don't have online banking but that sounds like a pretty good option.

utterance: Yes sir, it is quite convenient. I do encourage all of our customers to take advantage of that as it is a free service we offer.

utterance: OK, is that something you could help me set up today?

utterance: It certainly is. give me just one minute to back out of this screen and open that one. All right, and it looks like the email address we have on file for you is Thomas customs at Gmail dot com?

utterance: That's correct.

utterance: OK, and would you like that email address to be associated with your online banking account?

utterance: Yes.

utterance: All right, great. So I am going to send an email through that account and there will be a link in there, and that link is only active for thirty minutes, so I do encourage you to click that link as soon as you can, and upon clicking that link it will take you to a login page where you can create your own unique password for the account, and it will provide you with your username to log in and then once you create your password it will guide you through the rest of the process.

utterance: OK.

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

utterance: I can't think of anything.

utterance: All right, well, thank you for calling Intellibank and again I apologize for not being able to complete your request but I do hope that you find that routing number and are able to get that taken care of as soon as possible.

utterance: All right, sounds good.

utterance: All right sir, well, you have a fantastic afternoon.

utterance: All right, thank you.

utterance: Thank you, goodbye.


utterance: Thank you for calling Intellibank.

utterance: This is Kareem, how may I help you?

utterance: Hi, Kareem, my name is Magdalena.

utterance: Hi, Magdalena.

utterance: Hello.

utterance: What are we looking do to do today?

utterance: Mm.

utterance: Thinking of asking about a line of credit.

utterance: OK, sure. Yeah. How long have you been been banking with us?

utterance: Fifteen years.

utterance: OK, fantastic.

utterance: And I've never.

utterance: Asked for any credit.

utterance: Never? In fifteen years.

utterance: Never not once.

utterance: In fifteen years. Yeah.

utterance: Well.

utterance: First time is the charm.

utterance: Mhm.

utterance: All right, let's go ahead and get your credit card information, we'll get your account going.

utterance: OK, my card number is four three six six two one five nine two zero one.

utterance: Great and your full name there, Magdalena?

utterance: Magdalena Crescendo.

utterance: OK and your date of birth?

utterance: June nineteenth nineteen fifty-six.

utterance: Fantastic. And we have an address online, but it seems like it was first when you first signed up. Are you still at the same address? Would would you go ahead and gimme that?

utterance: Mhm.

utterance: I am. Yeah.

utterance: Yeah. still over on forty-one six Big Bear Lane.

utterance: Uh-huh.

utterance: Big Bear, California.

utterance: You wanna go ahead give me that ZIP?

utterance: Mhm, nine one one four zero.

utterance: That's

utterance: Fantastic.

utterance: Thank you.

utterance: And your Social Security number?

utterance: The last four?

utterance: Sure.

utterance: Three two one zero.

utterance: Great. OK.

utterance: So what is the name of your business?

utterance: Big Bears.

utterance: Yeah.

utterance: Mhm.

utterance: What do you do there at Big Bears?

utterance: We build big bears.

utterance: OK.

utterance: Mhm.

utterance: And what.

utterance: Life-size

utterance: Replicas

utterance: Oh, very cool.

utterance: Of

utterance: Bears.

utterance: Oh yeah, sure.

utterance: Yeah.

utterance: And when did you start doing that?

utterance: we started it about two years ago.

utterance: OK.

utterance: Yeah. We we had a different business. It was a honey related business

utterance: OK.

utterance: And then we decided to switch on over. But the honey related business was also called Big Bears.

utterance: Wow, very cool.

utterance: Yeah.

utterance: OK. And what is the annual sales of Big Bears?

utterance: About forty-five thousand dollars. Yeah.

utterance: Great.

utterance: So you wanna get a line of credit?

utterance: Mhm.

utterance: And what is the purpose of the line of credit?

utterance: We need some new equipment, some new chainsaws, things like that.

utterance: Mm.

utterance: OK. Well, looking over things you do have a good account with us. Good standing. lemme see. I think we could probably set you up a line of credit at about ten thousand dollars. And that'll have no interest rate or fees for the first year, but after that, it'll then go to a five percent interest rate.

utterance: Mhm.

utterance: Mm, that's not gonna work for me. What else can you o-. What else can you offer?

utterance: Oh. I'm sorry.

utterance: Well, which part was.

utterance: Mm, everything you just said didn't sound good.

utterance: OK.

utterance: For me.

utterance: We do have a limit on on these credit lines, which is at ten thousand dollars. And the interest rate of the five percent is about as low as you're gonna find anywhere else.

utterance: Even though I've been a customer?

utterance: That's that's our our lowest interest rate.

utterance: It

utterance: Doesn't. It's regardless of my long time standing?

utterance: Correct, yeah.

utterance: Mm It's upsetting.

utterance: Well, I- I'm sorry to hear that. we do.

utterance: It's

utterance: Upsetting that I have given my business to you.

utterance: Mhm.

utterance: And this is now what you're offering me.

utterance: Well like I said, we do the- these are the standard rates, five percent, because we we don't go lower because we do need to you know, recoup our money then then some.

utterance: Am I gonna get the same feedback from another customer service representative or is this something personal?

utterance: Yes yes you would.

utterance: I could. I would happily transfer you to someone else.

utterance: It's not personal?

utterance: It is definitely not personal.

utterance: I'll take your word on it then.

utterance: OK.

utterance: Good.

utterance: So is that a. Do you wanna go with this credit line?

utterance: Oh.

utterance: And just so you know, there's no interest. The interest is only on the amount that you borrow. Not the total credit limit. So if you only use five thousand dollars.

utterance: OK.

utterance: So you

utterance: Know what? Lemme take a step back and apologize. I misunderstood you.

utterance: It's OK. There's no reason to apologize.

utterance: OK.

utterance: You sound like

utterance: A lovely woman.

utterance: Thank you. Yeah. Thank you so much.

utterance: Of course.

utterance: Biblical name too, I love that. Mm. Do you do online banking with us?

utterance: Mhm.

utterance: No.

utterance: Well, maybe you should think about it.

utterance: I have pretty poor internet connection.

utterance: Well, y-. Do you have a library nearby?

utterance: Yeah, we have the Big Bear Library. Of course.

utterance: Well there you go.

utterance: So just go ahead and do that and when You'll see where your credit line is, you'll see where the the date of the interest rate starts.

utterance: Mhm.

utterance: Mhm.

utterance: And from there you can kinda take care of everything you need.

utterance: Oh, OK. All right, all right. That sounds doable.

utterance: OK, good. Well we will go ahead and get that started for you.

utterance: And I'm gonna

utterance: Pop on over to the library.

utterance: Sure, of course. is there anything else that we can take care of for you for you today?

utterance: no. That- that's gonna be it for me then.

utterance: Well I hope your banking with Intelli- tell- Intellibank was a pleasurable experience and we do value you as a customer. So thank you for calling.

utterance: Well thank you for your help and understanding today.


utterance: Thank you for calling Intellibank. This is Margaret, how can I help you today?

utterance: Hi Margaret, I just opened a investment account with you guys the other day.

utterance: OK.

utterance: And I I could use a investment specialist, with you all.

utterance: OK.

utterance: And, I was wondering if you had any other specialist that could try and just kind of look over my business, make sure I'm not doing anything wrong, or missing anything important.

utterance: OK, yes. We do have a risk specialist.

utterance: OK, and that's something they'd be able to help with?

utterance: Yes, basically they're financial managers, and they use that specific training and skills and experience, and they help you to identify possible risks that could result in you having a lower cash flow or higher insurance rates, for your business, so they just help you kind of find those pitfalls and circle them up.

utterance: OK, well yeah. That sounds exactly like what I need.

utterance: OK.

utterance: I just need to gather a little information up from you and I can be happy to help you set this appointment up.

utterance: OK.

utterance: OK. can I get your first name?

utterance: yes, it's Jerry Hoffman H O F F M A N. And Oh my date of birth is July, twenty-first nineteen seventy-eight.

utterance: All right, perfect. I'm also going to need a PIN number.

utterance: OK. Nine, three, eight, zero.

utterance: All right. excuse me, please. so I have, can do an online, or in person appointment.

utterance: let's do it online.

utterance: OK. OK, and also, I've got appointment dates, which would you prefer, Morning, or evening, or afternoon?

utterance: I'd like to do an afternoon appointment on this coming Friday, if I can?

utterance: OK, let me look. All right, it looks like we have a two thirty on this coming Friday.

utterance: OK, that'll be perfect.

utterance: All right, that's awesome. And could you verify an email address for me?

utterance: yes, I recently changed my email address. I'm not sure which one, so I'll give you both of them. there's G C studios at Gmail dot com, is my old one, and Glen can studios at Gmail dot com is my new one.

utterance: OK.

utterance: Looks like we have the the new one on already on file, maybe last week when they, you set something up they updated that.

utterance: OK.

utterance: OK.

utterance: All right

utterance: Well great.

utterance: So I can get that appointment set up for you. I've already got your time reserved in there, and someone will be reaching you at your phone number, and or send you an email to confirm your appointment.

utterance: OK.

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

utterance: yes, while I'm at it, can you go ahead, and tell me what my balance is in that investment account I set up last week.

utterance: I sure can, just give me one second while I access that information can I get your account number, please?

utterance: yes, give me just a second, let me find out what I did with that piece of paper.

utterance: No problem.

utterance: OK, I've found it.

utterance: All right, sir, whenever you are ready.

utterance: Right, it's two, five, zero, three, eight, zero, zero, three, six, seven.

utterance: Two, five, zero, three, eight, zero, zero, three, six, seven.

utterance: Yes, that's right.

utterance: OK, and looks like five hundred thousand.

utterance: OK OK. I thought my business partner had gone ahead and purchased a couple of stocks, but I guess he choose not to.

utterance: Is your balance.

utterance: OK. Well, if your need any help with that we'll be happy to help you with that as well.

utterance: All right. yeah I'll see why he changed his mind, and might get back to you.

utterance: OK, Is there anything else I can help you do today?

utterance: No, I can't think of anything.

utterance: All right, well if there's nothing else I can help you do. I'll just wish you a good day, and thank you for calling.

utterance: All right, thank you, and you have a good day too.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


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

utterance: Can you help me make a stock purchase?

utterance: Well sure. Let's get you information. Do you have an account with Intellibank?

utterance: Yes I do.

utterance: OK. Can I have your first and last name please?

utterance: It's. Tammy Couch.

utterance: Great. Can you spell your last name?

utterance: C O U C H.

utterance: Thank you. And your address please?

utterance: It's one eight three five Rice Boulevard. Fairborn, Ohio. Four five three two four.

utterance: Could you spell the city?

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

utterance: Thank you. And your date of birth please?

utterance: May ninth, nineteen sixty. Thank you.

utterance: And you business address?

utterance: It is.

utterance: I'm sorry.

utterance: Your business phone number, not your address.

utterance: It's six one four. Two three four. Two two one one.

utterance: Thank you. And your social security number.

utterance: It's two six nine. Six eight one eight three eight.

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

utterance: It is S T two eight zero. Eight eight one.

utterance: Thank you. And was that issued in Ohio?

utterance: Yes it was.

utterance: OK. Thank you. And your customer PIN number please?

utterance: It is five seven zero seven seven one.

utterance: OK. And just to verify your business name is Brass and Chain?

utterance: Yes.

utterance: OK. And you're the sole owner? .

utterance: Yes.

utterance: OK.

utterance: And what's the business establish date please?

utterance: January first, twenty twenty.

utterance: Great. And your tax ID number?

utterance: Two six nine. Six eight four three seven three.

utterance: Thank you. All right. And you said you wanted to purchase stock today. Is that correct?

utterance: Yes.

utterance: OK. And what stock did you want to purchase?

utterance: I wanna to purchase Amazon.

utterance: OK. And can you give me your brokerage account number?

utterance: Yes. It is four three five. Five four three.

utterance: Thank you. And what what's that stock symbol symbol for Amazon. Do you know?

utterance: A Z. No, A M Z N.

utterance: Thank you. And how many of these shares did you want to buy today?

utterance: I wanna buy ten. It's kind of expensive so I only want ten.

utterance: OK. Yes and you do know about the payment, the pricing issue right?

utterance: No.

utterance: OK so for . When you buy a stock you buy the stock share price that is the current market value.

utterance: OK.

utterance: So you may have looked up online to see what the price is but it's going to be whatever the current market value is down to the minute.

utterance: OK.

utterance: Is that OK?

utterance: That's fine.

utterance: OK. Well can I ask why you're interested in buying stocks?

utterance: I think Amazon is gonna increase so I I wanna make a little profit off of it.

utterance: Oh well I don't blame you on that. Amazon's a good stock to buy because they're relatively stable.

utterance: Yes.

utterance: OK. So I got that information in for you. And it's going to come out of either your checking or savings account. Which account do you prefer to pay from?

utterance: Well how much does that come out to?

utterance: Well I'd have to add it together. Do you want to hold for a minute?

utterance: Yes.

utterance: Can you give me an estimate?

utterance: Yes I can. Give me just a moment here.

utterance: It looks like it's going to be about four hundred and ten dollars and sixty cents.

utterance: OK.

utterance: Does that sound OK to you?

utterance: That sounds fine.

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

utterance: Yeah can I purchase stock online?

utterance: Well yeah. If you have. Do you have an online banking account with us?

utterance: Yes I do.

utterance: OK. So when you would open your app or go to the website. You're gonna go to invest. Up at the top. the invest tab.

utterance: OK.

utterance: Or in the app it's over on the left side menu. With the invest tab.

utterance: OK.

utterance: And then you're going to click the buy option.

utterance: OK.

utterance: And the it'll ask you to put in what symbol. And what stock. And your account brokerage number.

utterance: OK.

utterance: And then it'll give you the current market value. Price. And ask you how many shares of that market value price you want to purchase.

utterance: OK.

utterance: . How does that sound?

utterance: That sounds good.

utterance: As

utterance: Soon as you hit complete, the payment goes through.

utterance: That's good. I wanna purchase Some more stocks next week.

utterance: OK. Well an option for you. You can also call us back if you have any trouble with that.

utterance: OK.

utterance: How does that sound?

utterance: That sounds good.

utterance: OK.

utterance: you said I go to invest and then what?

utterance: Invest and then you're gonna go to the buy option.

utterance: OK.

utterance: And then put in your information. Your brokerage account number. The stock you want to buy. And then it will figure up your total for you.

utterance: What if I want to sell a stock?

utterance: Then you would click sell instead of buy.

utterance: OK.

utterance: And then you would. put in the amount that you wanna sell and from which stock you wanna sell.

utterance: OK.

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

utterance: I don't think so. how long does that take?

utterance: As soon as I hit the buy button. We are we are done.

utterance: OK.

utterance: All right. Are you ready for me to do that now?

utterance: Yes.

utterance: All right. Well your your transaction was completed. You have a good day.

utterance: You too. Bye bye.

utterance: Bye bye.


utterance: Hello, thank you for calling Intellibank. My name is Lisa, how may I assist you today?

utterance: Hi Lisa. I need I need to cancel a check like ASAP.

utterance: OK, I hear you. Sounds like you have an urgent request.

utterance: Yes.

utterance: OK, may I get your name please?

utterance: My name is Richard. Richard Morris.

utterance: OK all right Richard I'm just gonna get a little information from you so I can pull up your account.

utterance: OK.

utterance: OK Richard your last name please?

utterance: Morris.

utterance: Oh, thank you. You told me that Richard. M O O. I'm sorry M O R R I S? I'm sorry you said urgent, I'm trying to speed it up for you.

utterance: No problem.

utterance: Yeah, it's Morris not Mooris.

utterance: Yeah M O R R I S, OK. And.

utterance: And my date of birth is eight twenty-five eighty-four. Social security is two, one, eight, three, six, eight, one, nine, five.

utterance: OK I have your give me one second to get your date of birth. but thank you for being ready with the info.

utterance: Mhm.

utterance: OK. And you I do not need your social security number but I will need your account number please.

utterance: All right. Could you hold for just a second?

utterance: Sure.

utterance: OK, I got it.

utterance: OK.

utterance: It's three, two, two, one, seven, zero.

utterance: OK. three, two, two, one, seven, zero?

utterance: Yes.

utterance: OK. And lastly just for security purposes, what is your mother's maiden name?

utterance: I I have have a couple. Because my mom's been married twice so I'm I'm not sure which name I put on there. You know I know one's technically her maiden name. But I try to switch it back and forth you know just to be safer so.

utterance: Oh.

utterance: Sure.

utterance: Well let's give it a try and if it's not working you have three security questions. I can always ask you a different question.

utterance: OK, can you try West?

utterance: West, OK.

utterance: No, West is not the Is not what we have here.

utterance: OK.

utterance: Would would you like to try a different question?

utterance: No, can. If it's not that one then it's this one, Stillman.

utterance: I'm sorry, can you spell that for me?

utterance: S T I L L M A N.

utterance: OK, Stillman. All right. . OK, that. There we go, that helped me access the information. All right. So I see here we're looking at your business total checking?

utterance: Yes. I would also like to know the balance in my preferred account.

utterance: OK.

utterance: All right. I will I will need your account number for that but if It is the the check that you wanna cancel from the business total?

utterance: Yes, yes.

utterance: OK.

utterance: So what is the check number for that?

utterance: two, one, one, zero, four, seven.

utterance: Two, one, one, zero, four, seven?

utterance: Yes.

utterance: All right. . All right, I see that check here. No, actually. I, no I'm sorry. I don't see that here because it hasn't cleared. My mistake. and the reason that you'd like to cancel the check?

utterance: well it was for services that were not performed.

utterance: All right so services not performed?

utterance: Yes.

utterance: I just have to log in a reason for it OK. All right so I'm generating the request to cancel check number two one one zero four seven for services not performed.

utterance: Yes and I just opened this account I think last month. The the Intel bank Gold Card. And I forgot when my payment was due. Could you could you tell me what day that's due again?

utterance: OK so you're talking about your Intellibank Gold credit card?

utterance: Yes.

utterance: OK I can check that for you just one moment.

utterance: OK.

utterance: are we as far as the the check everything everything answered there for you?

utterance: Yeah I just needed to cancel that. This joker thought he was gonna you know get one over on me.

utterance: OK.

utterance: Yeah.

utterance: all right and you did say that you wanted to check the balance on your business preferred account as well?

utterance: Yes, if that's possible.

utterance: Sure, just provide me the account information, the account number.

utterance: Dammit. Actually I don't have that number with me, that's fine. I can I can I can get that at a different time.

utterance: OK and I I I see here that the business gold card I can see the balance on that.

utterance: yeah I just need to know when the payment's due.

utterance: Oh, when the payment's due. The payment is due on the twenty-ninth of this month.

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

utterance: O~

utterance: OK, very good. Have I answered all your questions for you?

utterance: Yes, that was gonna be it for tonight.

utterance: OK. Well thank you so much for your call tonight Richard. I hope I provided you with outstanding service.

utterance: you did. Thank you very much.

utterance: Thank you and have a good night. Thank you for calling Intellibank.

utterance: Thank you.