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

utterance: Yeah. Would you be able to tell me my net income for twenty twenty?

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

utterance: It's Jill Baker.

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

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

utterance: OK, Jill. So you are wanting your net income for twenty twenty, is that correct? do you have an account with Intellibank?

utterance: Yeah just out of curiosity, can you tell me exactly what the net income measures, and what insurance companies use it for?

utterance: Yeah. So your net income measures your net earnings minus the cost of goods sold, your selling, your general expenses, administrative expenses, operating expenses, depreciation, interest, tax, and other business expenses. It's just basically a useful measurement for investors to assess how much revenue exceeds the expenses, or businesses for a certain organization.

utterance: OK. That makes sense.

utterance: OK, Jill. So what is your account number?

utterance: Can you hold on just one second for me? Give me just a second to find it. it's three four six zero two nine nine eight.

utterance: Thank you, Jill. and what is the name of the business?

utterance: Wait one second. That's not my account number. my account number's three eight three seven two seven two nine four, and then the business name is Johnson controls.

utterance: OK, I'll get that corrected for you. Jill, what is your date of birth?

utterance: It's March second of nineteen eighty.

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

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

utterance: OK, Jill, and what time frame are you looking at for this report? Like how long of What what are the periods that you want me to to look at for that?

utterance: Mainly just the year twenty twenty, if we could.

utterance: Yep. I can do that for you. Let me run this metrics for you. It's gonna take just a few moments, OK, while I while I pull up that account info. Jill, also too, were you also wanting me to to email you a copy of that report?

utterance: if you can do that, that'd be great.

utterance: Yep, I can do that. let me just confirm an email address with you, Jill. What is your email?

utterance: It's J Baker at Johnson controls dot com.

utterance: OK. Thank you for that. Give me just a few moments to run that metrics, and then I'll get it sent over to you, OK? OK. It's processing now. It should be just a few seconds longer. All right, Jill. So I have that net income information for you, and it looks like your net income for the year twenty twenty was a hundred and twelve thousand eight hundred and thirty-nine dollars.

utterance: so does that tell you like a normal average for what your net income should be?

utterance: Yeah, so they break the net income into ranges, and that varies by industry, the size of your business, those kind of things. But a general rule of thumb is a ten percent net profit margin is considered average, and a twenty percent is considered high or good. So your range is around a nine percent, so it's pretty good. It's just it's just a little bit a little bit lower than average.

utterance: OK. Does Intellibank like report or track that information anywhere, regarding the net income?

utterance: Yeah. So Intellibank does have the ability to pull it up at any time for our customers, but we don't track that unless it's requested. So for instance, if a credit reporting agency or if another banking institute asks for that information, we wouldn't provide that to them. we do, however we do however, we do, however, provide that to our customers any time that it's asked. And again, most most institutes, most other banks, or most other loan agencies, or even mortgage companies, have the ability to do that net income ratio themselves. So it's usually not necessary for us to provide that to them, but it's just a resource that we have for our customers should they need it, in in the instance like you did today.

utterance: OK. if I take all that information to my accountant, will he know how to help me improve that?

utterance: Yeah. So I cannot really speak for your accountant, but what I can do is I can send you some information we have at Intellibank regarding that income. That can kind of help you better understand what is what is being reported, and what it would take in order to improve that net income. So I can send you that information, and if that's something you wanted to share with your accountant, or if it's just something that you wanted to review and kind of see if you could you could assess assess something that would might maybe help you to correct that. Then I can send that too. As far as me giving advice about what your accountant would do, I I'm not able to do that. But I can share this resource information from you that might help you with that decision.

utterance: OK, yeah. go ahead and send it to me then.

utterance: OK. I'll get that included in this email as well. Give me just a moment, okay? I'm gonna get everything processed. OK, Jill. So I have got the email sent with that resource information, as well as with your net income report. Was there anything else that I could do for you today?

utterance: no, so you're send everything in an email, so I should have everything, right? I don't need to I don't need to open anything on my online banking, it should just automatically be in my email.

utterance: Yeah. So it will come to your email. You will need to verify in order to open the attached documents in your email. You'll need to verify the last four of your account in order to open that, but other than that, it should just come as a regular attachment to your email. the way that it was sent, and then you'll just be able you'll be able to access it by using the passcode, which is the last four of your of your account. And you can download it from there. whatever you need to do once it's once you have it opened, you should be able to save that to your desktop or do whatever is necessary from there. Was there anything else I could do for you today?

utterance: No, I don't think so. Thank you.

utterance: No problem, Jill. Thank you for choosing Intellibank, you should receive that email shortly.


speaker_role: Agent

utterance: Good afternoon, this is Ryan Mock over here at Intellibank. How can I help you?

speaker_role: Customer

utterance: Hi my name is Stephanie Garcia. And I'm calling about closing out my account with you guys.

utterance: OK. Ms. Garcia by chance do you have your account offhand?

utterance: I do have my account number. and this is going to be my business account so four seven nine zero six nine six two five four.

utterance: OK.

utterance: Thank you Ms. Garcia. Let me pull up that information and give me a quick second. So what's the reason why you're closing out this account? If you don't mind me asking.

utterance: so I actually started a new business so this business is Golden State Wonder Wash. But the new business that I have it's called Resorts Window Wash. And yeah so I'm just basically starting a new company. Oh I'm sorry Resorts Wonder Wash and Power wash company. So it's just a little bit of changes and I wanted to just close out my account with you guys.

utterance: Oh.

utterance: Oh, OK.

utterance: No. No worries. Totally understandable. Well let me get this information pulled up. by chance do you have the other business account open and ready with us? Or you still in the process of it?

utterance: no actually I haven't opened up an account yet for the other for my new business. I haven't done that just yet.

utterance: OK. Awesome. Awesome. So what I can do is to make things easier I can actually transfer this money into a savings. And actually get you set up with an appointment to talk to one of our business specialist so you can get that account open and there's no delay with regarding your funds being in a personal account when it has to be run through a business.

utterance: Oh OK. So I could just set up a oh yeah. So I could just set up a new account with you guys right?

utterance: That's correct.

utterance: OK. And I can just get my money transferred from this account to a new account?

utterance: Yeah. So right now what I'm gonna do is transfer the funds from your business to your personal and put it into a savings. And then get you appointment whenever you're free and ready to open up the new business account with us so then we could just transfer over the money to add this transfer into that account and get you set up with that business account.

utterance: OK. So I'm still actually going to be running business for this Golden State for the ending of this week. So is there a way that we can schedule an appointment in maybe two weeks? With one of your representatives?

utterance: Yeah. Yeah did you want to withdraw all the funds? Or what is your plan with all the funds? So I coz I just don't wanna leave you at zero if you're still running business through it. And then get hit with any type of fees.

utterance: Oh I see. let's go ahead and just leave one thousand in there and then we'll transfer the rest to savings and then it should be fine from there.

utterance: Awesome awesome I can certainly do that for you. So how much would you like me to oh you just need the one thousand I'm sorry. Mm K.

utterance: That's OK. No problem.

utterance: Perfect. I'm making this transfer now. Yeah. There is. It looks like you have ran your business very well. So that's that's pretty awesome. why the change? why couldn't you just add the power to the current Golden State one?

utterance: There's a lot of money in there so I I don't blame you for getting confused.

utterance: The Power Wash?

utterance: Mhm.

utterance: I'd rather run two one separate business. and take out my business partner. Because we are not getting along.

utterance: Oh.

utterance: Oh, wow. that must be a difficult situation.

utterance: I know, it sucks. So that's the change that we have to do.

utterance: Oh so he's gonna keep the going same name or what happened?

utterance: We're going to close out the Golden State name entirely once when we finish this transfer and I give him his fair share and I take mine.

utterance: Oh, wow. That sounds amazing.

utterance: It sounds like a pretty good deal. Fair deal.

utterance: Yeah. that sounds awesome. perfect. awesome. So what I can do is just keep this in mind when you do decide to close out that account, he will need to sign a paper to relinquish that account as well.

utterance: And he's gonna start his own business and I have mine.

utterance: Oh OK that makes sense.

utterance: Yeah. So what I'll do now is I completed the transfer and now we can get you set up with someone. One of the business representatives. what day you said next week? Which day and location works best for you?

utterance: OK.

utterance: so Tuesday at one p.m. would work for me. And let's go ahead and go with the Northwest location.

utterance: OK. The one off of Swan?

utterance: Yes.

utterance: Perfect. So you're actually gonna be meeting with Mark Dupost and he's gonna be able to help you with that new business account.

utterance: Is there anything that I need to take in?

utterance: So yeah. You will just need to take in the Articles of Organization. Your EIN number. And then also give me one second. Let me just double check to make sure I got everything here. Articles of Organization, EIN number and your business license.

utterance: OK.

utterance: OK.

utterance: Mm. OK. OK. I will definitely get that business license and then I will see your representative.

utterance: Yeah. Mark Dupost.

utterance: OK. No problem. Thank you for your help. Have a great day.

utterance: You're welcome.

utterance: You have a great weekend as well Ms. Garcia.

utterance: Thank you.

utterance: Bye bye. Thanks for calling Intellibank. Bye.


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

utterance: Yeah hi. I was just looking into some some bond information I was hoping you could help me out with.

utterance: what exactly are you looking for regarding your bonds?

utterance: Just the I think the yield is is what it's called of a certain of a certain bond.

utterance: OK. You're looking to get your treasury bond deal. Is that correct?

utterance: Yes. That's right.

utterance: I see. I see. I'll be happy to help you with that Let's see. First I will need your first and last name.

utterance: Yeah that it Robin Michaels.

utterance: Robin Michaels. Your date of birth?

utterance: September first nineteen eighty-three.

utterance: OK And I also need your PIN number. That's a four to eight digit PIN number.

utterance: Yeah the PIN is two seven six eight seven.

utterance: No no wait. No wait. I'm sorry. It's No I'm sorry. Two seven six eight two.

utterance: Two seven six eight two.

utterance: OK.

utterance: Just letting

utterance: Did I see that's?

utterance: PIN I have down here for Intellichoice.

utterance: That's Intellibank.

utterance: No. I'm sorry. Yeah I meant I meant Intellibank, I'm sorry.

utterance: Just just saying.

utterance: I'm sorry Intellibank, yeah yeah.

utterance: I don't know why I was just, yeah.

utterance: Reading something, sorry.

utterance: It's all right.

utterance: OK. Just letting our service process. While we are waiting for that information to make it's course just wanna let you know we have a number of banking services at Intellibank, including our Intellibank credit cards which we offer the traveler's card, the platinum card a gold card, silver card a cashback card and a rewards card. So those are different tiers of credit cards which offer different options and rewards. You can check out the possible percentage of the first year of each card. We have some great promotions going on right now that's available either at Intellibank dot com. Also at the Intellibank banking app which you can download for iPhone or Android. And those credit cards would all be available to be applied for online through the app.

utterance: So that.

utterance: Yeah that app you mentioned. Can I find treasury info on that app too?

utterance: yes absolutely you would be able to get get your treasury bond deal, but I just wanted to let you know that with those credit cards you could apply apply online, however it will not be an instant approval. We would then verify you by email, let you know and you would also be notified by text if we have your phone number on your profile.

utterance: So. Now that I have access to this. What's the time period of your bond?

utterance: It was a ten year.

utterance: Ten year. It looks like that's going to end in two thousand twenty-five.

utterance: Yep.

utterance: I see. I see.

utterance: Two thousand twenty-five your treasury bond yield the return over the course of the ten years looks like it will return you seven point six percent.

utterance: OK and that's the that's that's the current projection or that's kinda the guaranteed?

utterance: That's what it will yield over it's life.

utterance: OK.

utterance: Yes.

utterance: So that that's not gonna change? That's a fixed percentage?

utterance: I believe so.

utterance: OK. All right.

utterance: OK. Well. Have you just out of curiosity cuz hopefully I've handled this swiftly for you today but have you had the chance to download our mobile app?

utterance: yeah I'm sure I downloaded it on one of my devices. To be honest I I think I'd know if I if I used it often so I I don't think I really use it but I'm sure I got it somewhere on my iPad, iPhone something like that.

utterance: OK. Well that's something you can do when you get off the phone with me. I don't have to do that with you here but I just wanna let you know that is one of the services we do offer in addition to those credit card options I gave you as well.

utterance: Is there anything else I can look up for you today? Any stocks, savings you may have, balance information? I'm happy to help you with.

utterance: you don't know if there's a pizza location nearby do you?

utterance: I do not have that.

utterance: I'm just messing.

utterance: With you, I'm sorry. Yeah that's that's all I need today.

utterance: Information.

utterance: OK. Well I just want to thank you for being a valued Intellibank customer since June first two thousand eighteen and you have your treasury bond yield and a growth of seven point six percent verified through your account and that bond will end in two thousand twenty-five. There's a written record of this. A documented PDF you can download at Intellibank dot com if you just click on the upper right hand corner under the bond's section.

utterance: So thank you and have yourself a great evening.

utterance: All right.

utterance: All right. Bye bye.


utterance: Hello and thank you for calling Intellibank. How can we help you today?

utterance: Hello. How are you today, ma'am?

utterance: Very well, sir. What can we do for you?

utterance: I need to change my street address. I I moved recently. So I need to get that all situated so I don't get any confusion when I go to you know buy stuff online and you know I've got the billing number and the address mixed up so.

utterance: OK sir, sure. We can help you with that today no problem. I'm gonna have to ask you some information to verify your identity. And what's your full name?

utterance: My name is Peter Short.

utterance: OK. Thank you for that and I need your date of birth.

utterance: It's three five seventy-three.

utterance: OK and can you verify your email address?

utterance: Yes. Peter Short at Gmail dot com.

utterance: OK thank you for that and could I have a PIN number on your account?

utterance: Five six eight three nine two.

utterance: OK and you also have a security question listed here. it's what high school you went to.

utterance: I went to Beavis High School.

utterance: OK sir thank you for that and let's see. You wanted to change your address on your business account?

utterance: both of them.

utterance: Both of them? OK sir.

utterance: That and

utterance: My savings.

utterance: OK and to access your savings I'm gonna have to have the PIN for that also. The credit the credit card number that you have associated with it.

utterance: Yeah I I I don't know I don't have it off hand. I don't know where it is. Shoot.

utterance: Oh OK sir.

utterance: my

utterance: old lady's got it in her notebook.

utterance: OK yes I I can't access the information without without the number and I.

utterance: What?

utterance: What? I'm just kidding, ma'am. I'll get a. I'll I'll get back with you on on that when I send that in.

utterance: OK. Yeah.

utterance: It's just for security purposes and you can call us back no problem to take care of that at any time but yes we we have to have that to be able to access your information.

utterance: That's OK. No problem.

utterance: OK but you do want to update your your address, correct?

utterance: Yes ma'am.

utterance: Could you please give me your current address?

utterance: yeah my current address is.

utterance: The one I have listed.

utterance: Oh you . You have twenty-three Hampton Street, Osage, West Virginia.

utterance: And the ZIP code please.

utterance: Two eight one one two.

utterance: Yes sir. Thank you very much for that and you wanted to update that to another address, correct?

utterance: Yeah.

utterance: And what would you like that one to be?

utterance: And the new one is oh shoot I can't remember. It's Hold on. Let me check it on. Let me check with mortgage thing here. It is. The new address one twenty Hanshaw Street.

utterance: OK, sir. Thank you and

utterance: Morganton.

utterance: West Virginia.

utterance: The ZIP code, please.

utterance: Two five eight one one.

utterance: OK thank you so much for that. give me one second here and I'll get this updated for you. OK. I have updated the address on your account. for the other account, for the savings when you get the information you can call us back if you like or I can you let you know some information about our online banking if you're not familiar.

utterance: sure why not? Hey are are they? Are they putting a minor league baseball team down in Charleston? I heard they were gonna put a minor league baseball team down there where right near where your branch is.

utterance: I I am not sure, sir. I have not heard, but that's an interesting question.

utterance: That'd be nice to have a a baseball team for the town.

utterance: Yes because they used to have that, sir. I do remember back when I was growing up they had

utterance: The Charleston Wheelers.

utterance: Yes.

utterance: They did have.

utterance: And the Charlie.

utterance: Or.

utterance: Yes.

utterance: Charlies yeah.

utterance: They did have a baseball team. I do remember that in my youth but I haven't heard anything recently.

utterance: They never won a game

utterance: Oh no.

utterance: Well.

utterance: Yeah Yeah tell me a little about the online banking.

utterance: Yes sir, with our online banking, it's very convenient. You can change your address. You can update PINs. You can even change your email address on there at your discretion whenever you feel like you need to. it kinda cuts having to call a hotline or having to go into the branch itself. We also do the checklist deposits which makes it very convenient if you need to make a deposit and you just can't get to the branch.

utterance: Right, right.

utterance: So you just take a picture of your check?

utterance: Yes sir, you just take a picture of the check and with all your qualifying information you download it and send it on to your account and it's it's very safe and encrypted and convenient for for people that are on the go and and have a lot of business that they're doing.

utterance: And what's this ITM? Is it integrated or automated or interactive? Interactive isn't it.

utterance: Yes the ITM is our new our new interactive product that we have. It's adjacent to our ATM and it's a twenty-four hour agent that will take care of any issues that you may have in person. If you can't get into your account you can't find your debit card or even if you've lost it, you can access this twenty-four hours a day with a live agent and she will help you access your account information and your money.

utterance: That sounds great.

utterance: So yes it's a it's a very interesting service, sir. Is there anything else I can help you with today?

utterance: I guess that's it, ma'am. I'm. Thank you for everything.

utterance: OK thank you so much for being a valued customer of Intellibank.

utterance: Thank you ma'am. Appreciate it.

utterance: Thank you.

utterance: 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. I have a business and I need to apply for a credit card for that business.

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill please.

utterance: All right Jill. So you're wanting to apply for a corporate credit card for your business. Is that correct?

utterance: Yes. That's right.

utterance: And are you currently a customer with Intellibank?

utterance: Yes. I have all of my business accounts with Intellibank. and are there different card options?

utterance: Yeah. So we have a couple different card options. We have the Intellibank platinum card. And that offers a two percent cash backed option on all purchases. And it has an a hundred dollar annual fee. And then we also have the Intellibank gold card which offers two percent cash back on gas and grocery purchases. And that one has no annual fee. the interest rates on our cards do vary. They go from about nine point two percent to twenty-one point three percent. And we consider a variety of factors before determining that interest rate including your credit score.

utterance: OK. So it sounds like then for my business it might be better to do the platinum so that I get cashback on everything then.

utterance: yeah. We can get you applied for that. That is probably our best term as far as our credit cards go. That way anything that you purchase. You do have to pay that annual fee but what you end up saving with all of your. If you if it's something you're gonna use regularly what you'll end up saving with your actual purchases on that two percent cashback will be very significant. And generally will cover any kind of annual fee plus some.

utterance: OK then. Let's let's apply for that then.

utterance: OK. What is your account number?

utterance: Yes. So my account number's three four six zero two nine nine eight. and I have an FA FEIN number too for the business. That's seven three eight two eight two nine zero zero.

utterance: OK Jill. Thank you for all that information. What is the name of your business?

utterance: It's Johnson Controls.

utterance: All right. And what is your date of birth Jill?

utterance: That's March second of nineteen eighty.

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

utterance: Yes. So my PIN number. That's six four seven eight.

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

utterance: I'm in Kansas City Missouri.

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

utterance: My street address is five three nine. And that's Hewton Road.

utterance: OK. And what is your ZIP code?

utterance: That's seven three eight two zero.

utterance: Thank you Jill. Can I also get a social security number for you?

utterance: Yes. So my social. Seven three eight zero two zero seven eight three.

utterance: All right Jill. Do you have a driver's license? And if so what's your driver's license number?

utterance: OK. Can you hold on one moment? I got to grab my license. Give me one second. Where's my purse? So OK. OK. I've found it. It's M as in Mary nine three seven zero zero two zero zero.

utterance: All right. And what state is that license out of?

utterance: It's out of Kansas.

utterance: All right Jill. Couple more questions for you. Are you the only owner of the business?

utterance: Yeah. So it's an LLC. But yes I'm the only owner on the LLC.

utterance: OK. And where did when did that business open?

utterance: It opened in August of two thousand and fifteen. I'm not sure the date. I believe it was the first.

utterance: OK. I'm gonna go ahead and mark that as the first. Jill what does your business gross annually? Do you happen to know that information?

utterance: I believe last year we grossed maybe four hundred and ninety thousand I believe.

utterance: OK. And what is your tax ID number?

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

utterance: OK. And just to verify. Your business name is Johnson Controls, correct?

utterance: Yes that's right.

utterance: OK. And what is the address of the business?

utterance: It's eight three seven nine. And it's Hillshire Way in Kansas City Missouri. eight three six seven two I believe.

utterance: OK. Jill can I also confirm an email for you?

utterance: yes so that's J Baker, J as in Jill Baker, at Johnson Controls dot com.

utterance: OK. Thank you Jill. And Jill where do you receive your mail from Intellibank? Do you get that at the business address or your home address?

utterance: You can just send everything to the business address please.

utterance: All right. And Jill you are wanting a corporate credit card for the business account correct?

utterance: Yes that's right.

utterance: OK. Credit line balances are determined by business analysis based on the information provided. But there is a specific credit line. Is there a specific credit line you're hoping for?

utterance: I'd like it to at least be ten thousand if I could. that way we can use it for business expenses and then pay it off each month. and this is the Intellibank emerald card I'm applying for correct?

utterance: Yes. it's actually the Intellibank platinum card that you are applying for. We don't have an emerald card option.

utterance: Oh OK. Yes. That's that's what I meant. I'm sorry. This is the one with the two percent cashback on all purchases though?

utterance: Yes that's right Jill. that that is correct. So that is the one that we're applying for today. The platinum. I think that's everything that I need for now. If you just have a few moments I'm going to run this to see if I can get that approval.

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

utterance: It shouldn't take us very long. Give me just a few moments OK.

utterance: OK thank you. It's it's fine. It's not. I'm not in a hurry. We just moved so so it's no big hurry. we're closed today.

utterance: That's great. where did you move to?

utterance: So we're in the Summit Hill district now. It's it's a much bigger store at a really busy district for shopping. I don't know. Have you ever been there?

utterance: I have. I've actually eaten lunch in the the Summit Hill district several times. But I don't think I've ever done any shopping there.

utterance: Do you like Sushi? There's like a little place called La Sal there and it has the best sushi ever.

utterance: I do like sushi. I have not been to that place but I will definitely have to check it out.

utterance: I highly recommend it. You will not be disappointed. I promise.

utterance: Well thank for that Jill. I will definitely check that out. I did get a preapproval for you on that Intellibank business platinum card. You're approved for a fifteen K credit line with a thirteen point four interest rate. I'm gonna email you some disclosures to sign for that credit card. And then I will get that card mailed out to you OK? did you want that sent to your home or your business address?

utterance: Well you just. Do you mail those disclosures or do you or do you email those disclosures?

utterance: Yeah so I will email the disclosures. And then I will mail out the credit card for the accounts to you. What address did you want those emailed to?

utterance: You can email them to the Oh I'm sorry. You can mail those to the business. That'll be fine.

utterance: All right Jill. So I'm gonna email those disclosures and then I will get those mailed out to you. Was there anything else I could do for you today?

utterance: No. I think that's all. I appreciate it.

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


utterance: Thank you very much for calling Intellibank. This is William. How may I be of service today?

utterance: Hi William. recently my mother died.

utterance: Oh I'm so sorry.

utterance: Yeah thank you. It was it was.

utterance: Condolences.

utterance: From myself and everyone here at the Intellibank family.

utterance: I appreciate that. I I absolutely do. But it was it was it was a long time coming. It was it was something we expected, so don't you feel too bad. It wasn't anything sudden. It it hits it hurts us all in the family but

utterance: It's never the less.

utterance: I'm sure it it hurts nonetheless.

utterance: So I guess like let's cut to the chase. we had a joint account. Look and this, had this for years since since I was younger so I wasn't really in charge of it at this point in time. and it looks like I guess I need to kind of have an understanding of the account itself really. She didn't have like a phone or anything or an app. I can see that she has all the all the statements kinda printed out in from I guess a couple of envelopes she had sent. One of these looks like I guess a fax for all sense of purposes which is just wild to me. but I have I have no way of like I guess pretty much getting any of this documentation. I I don't know know if there's anything you can do to help me out?

utterance: OK, well let me take a look. First thing we need is your first and last name as it appears on the account?

utterance: Yep Steven Stevenson.

utterance: And I'm gonna need your mother's first and last name as it appears on the account?

utterance: Janice Stevenson.

utterance: All right. And what is your date of birth?

utterance: it's May fifteenth nineteen eighty-six.

utterance: now do you happen to have the account number and the PIN number handy?

utterance: hold on. Let me see if I can find that. One of these papers looks like it has the account number.

utterance: Yeah, if you have the physical statements there that will have the account number.

utterance: Let me see. Oh, she wrote down everything. Let me look through one of these books, it has to have the PIN.

utterance: Please take your time.

utterance: As long as you need.

utterance: OK here's the here's the account number. six one four nine six two. hold on a bit longer cuz I'm looking for this this PIN number.

utterance: No problem.

utterance: That will be a four digit number if that helps you out.

utterance: Four digits, OK.

utterance: You a tidy person? Cuz I'm looking through all types of mess right now.

utterance: Yeah I am here at the office but in my personal life not really.

utterance: Yeah same here. I think I inherit it from my mum. clothes everything, papers everywhere.

utterance: Unfortunately Intellibank it docks our pay if we don't keep a tidy workstation, so.

utterance: Oof.

utterance: I I clean up every day before I go home.

utterance: Oof. Not for me then. Oh here we go, looks like I found it. the PIN, you said it's four digits right?

utterance: Yeah.

utterance: It is a four digit number, yes.

utterance: five three one seven.

utterance: All right that is correct. OK, so it looks here like your Mom definitely did not have online banking for this account or the app. Looks like she was receiving her statements by mail.

utterance: Oh OK.

utterance: would you like to continue receiving the statements at that address or would you like to change to a different address? Or would you like to change your delivery method altogether?

utterance: altogether honestly, yeah I think.

utterance: OK. Well the easiest thing to do is to go paperless and to go paperless you are going to need to sign up for either an online account or download our app. The good news is all of the info that you already provided for me today is everything you need to sign up either online at Intellibank dot com or signing up through the Intellibank app. So what I'm gonna go ahead and do is I'm going to stop delivery of the physical monthly statements and mark here that you're going paperless, and then you're gonna take care of the rest by signing into the website or the app. Is there anything else that I can help you with today?

utterance: no that seems to be all. And the app, I can find on Android or iPhone or

utterance: It is available.

utterance: Anywhere you get your apps.

utterance: OK then yeah, excellent.

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

utterance: Thank you, you too. Bye.


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

utterance: Hi Jonathan, I'm Elvis, nice to speak with you.

utterance: Nice to speak with you Elvis, how are you today?

utterance: not too bad, thanks.

utterance: And what can I do for you?

utterance: Well, you know I'd love to I'm looking to get a loan secure some money.

utterance: OK, that's definitely something I can help you with. Can I have your social security number and your PIN?

utterance: Yes.

utterance: Yeah, two zero one two one one one eight.

utterance: Got it.

utterance: That is three three two six.

utterance: All right, thank you for that.

utterance: Uh-huh.

utterance: One second, loading your account. OK, and you said you were looking to get a loan today?

utterance: That's correct.

utterance: All right, what type of loan were you thinking about?

utterance: I was thinking about, well, what are my options?

utterance: Well, we have a term loan and we have secured loan, we also have auto loans.

utterance: Oh, you said auto loans?

utterance: Yes.

utterance: How interesting. Well not even looking for a car right now, but tell me about this secured one.

utterance: OK, yes, the secured loan has a fixed interest rate at eleven point three percent and unfortunate event where you have to default on your loan.

utterance: Right, OK. So the collateral will be?

utterance: Of equal value to the amount of the loan you'd like to take out. It could be anything, a phone, car, house, boat.

utterance: Oh, OK.

utterance: Well, I've never taken out a loan before I do have a a car, a brand new car priced at about twenty-six thousand that I could use a collateral I'm just getting a ten thousand dollar loan.

utterance: OK, that works. let me just get to the application page.

utterance: OK.

utterance: Also for your information, you could also do this in the future online or through our app.

utterance: Oh, where where would I?

utterance: I do that?

utterance: on our website or through our app.

utterance: Oh, very good.

utterance: Yes, one second, OK, can I get your social again?

utterance: two eight five three two one one one.

utterance: All right, and your driver's license?

utterance: California five six seven two.

utterance: Got it. And your address?

utterance: six zero three south Cochran Avenue, Los Angeles California, nine zero zero three six.

utterance: Got it. And what's the name of your business?

utterance: Firestone Tires.

utterance: Firestone Tires, are you the sole owner?

utterance: I am not no.

utterance: OK. And what date was that established?

utterance: nineteen forty-six.

utterance: Forty-six and what are your gross annual sales?

utterance: about a hundred thousand.

utterance: Hundred thousand do you have the tax ID number?

utterance: yes, one seven two one five.

utterance: OK. And what's the address to your billing?

utterance: it's six zero three, it's the same as the address.

utterance: OK, and the loan purpose?

utterance: it's personal. I'd like to buy a summer home.

utterance: Well, we only, we don't do any personal transactions here so has to do through your business.

utterance: Oh, OK, well I , but I do do a lot of business out of my house, so I guess it would also I guess constitute a consistent being the second office.

utterance: So you want to expand on your office, is what you're saying?

utterance: correct, if that's to get the loan.

utterance: OK. And how much were you looking to take out again?

utterance: about ten grand.

utterance: OK, ten thousand using your car as collateral. Can I have the year, make and model of your car?

utterance: two thousand twenty F one fifty.

utterance: That is Ford, correct?

utterance: Yes.

utterance: All right, and what repayment terms are you looking for here.

utterance: Today?

utterance: well, seventy-two months, I saw online and then that will be it.

utterance: OK, just one second while this processes. Thank you so much for your patience.

utterance: Uh-huh.

utterance: All right, well it looks out like I was able to get that loan approved for you. I'm gonna send you an email, it's gonna detail everything we discussed today it's gonna have your excuse me, one second.

utterance: Oh, fantastic.

utterance: Sure.

utterance: OK, it's gonna have your due date on it, the interest rate, how much you'll end up paying in interest, and you'll also have the option to pay more each month to lower that. And is there anything else I can do for you today?

utterance: no, that will be it, thank you so much.

utterance: Well thank you so much for calling in and thank you for using Intellibank. Enjoy the rest of your day.

utterance: You too.


utterance: Hello and thank you for calling Intellibank my name is Danni and I am here to assist you today. How may I help you?

utterance: hello, I need to check my credit card available balance please.

utterance: All right, you'd like to check your credit card available balance.

utterance: That's correct.

utterance: All right, I'd be happy to help you with that. May I just get a little bit of information, so I can pull up your account?

utterance: Of course.

utterance: All right. Thank you ma'am. May I get your first name?

utterance: my first name is Edna.

utterance: Edna. And your last name?

utterance: Goldenblatt.

utterance: G O L D E N B L A T T?

utterance: Look at you. You can spell, I'm impressed.

utterance: Thank you ma'am. I appreciate that and for security purposes, Miss Edna, you do have a four digit security PIN number. May I have that to access your account?

utterance: yeah, it's oh yes excuse me my mother's told me never to say the word yeah my yes it's my PIN is oh goodness what's my PIN it's oh yes, it's five two seven one.

utterance: Five two seven one. One moment, let me just put that in the system. Yes, the system did accept that and if I may also be so bold as to ask you your date of birth just to verify it?

utterance: my date of birth is twelve twenty-five sixty-five.

utterance: Yes, I was born on Christmas Eve.

utterance: Very nice Mer~

utterance: Or Christmas.

utterance: Day, excuse me but I'm not I don't celebrate Christmas, I'm Jewish.

utterance: Oh.

utterance: Well, there there you go a little bit of irony for you.

utterance: Aren't you sweet?

utterance: All right, so I am able to pull up your information here, let me just check and I see that your a long time valued customer, thank you for your patronage. I see you do have your Business Gold Card with us which is our Premier card. I also see that you have a checking and a savings account and a real estate loan and today you said that you'd like to check your Gold card balance?

utterance: Mm-mm.

utterance: Yes. My Gold card balance. you know what, I'm so sorry. Is there such a thing as the Silver card balance?

utterance: We do also have a Silver card however you don't have a Silver card with us. You have our Gold card.

utterance: the SS, the Gold card is actually the Premier card, it offers you rewards, it offers you rebates and it also waives certain fees when needed.

utterance: Oh OK, well that's that's the one that I want then. Thank you so much.

utterance: Certainly and at the end of the call, if you did want to apply for a Silver card, for if you wanted an additional card, I can also assist you with that.

utterance: What about a bronze card?

utterance: Do you have that one?

utterance: Oh that would be nice, but no we only have the two different cards.

utterance: Oh it's like the Olympics if you had bronze, silver and gold.

utterance: Oh I didn't even, you're right, we just finished Olympic season yeah.

utterance: Yes.

utterance: and one last question Miss Edna, if I may also get the credit card number so I can pull that information up?

utterance: yes. Are you ready?

utterance: I am.

utterance: It's four one seven three one two six nine five oh excuse me I just made a mistake. I have to start over.

utterance: No problem.

utterance: four one seven I can't I need glasses, I can't read these numbers anymore is that a three or a two oh it's a two one two.

utterance: you know what, I'm sorry, do you mind starting from the beginning?

utterance: Four one seven.

utterance: Four one seven.

utterance: Two one two.

utterance: Two one two.

utterance: Six nine five.

utterance: Six nine five.

utterance: Three.

utterance: Three. All right just one moment while I look this up.

utterance: All right, thank you for waiting Miss Edna. I do see here that you wanted the account balance. The account balance that that you have right now is six thousand thirty-eight hundred dollars and two cents.

utterance: Well what do you know, I think I'll go on a shopping spree.

utterance: And would you like me to check for the last payment, the upcoming bill due date, anything else on there you'd like me to check?

utterance: no I just wanted to find out what my balance was, but please don't tell my husband if he calls later.

utterance: No I I I won't if if a Mr. Goldenblatt calls I'll say Ms. Edna does not have an account here.

utterance: Oh.

utterance: Aren't you sweet.

utterance: you know, while I have you on the line, Ms. Edna, I'm always happy to help you here on the phone but I did want to let you know that you can also access your account online or also through our mobile app.

utterance: Oh, no I don't deal with computers they're way I hate computers I just can not get the hang of them.

utterance: Did you need any assistance with that?

utterance: I understand.

utterance: Well I thank you so much for your loyal patronage with us. Is there anything else I can assist you with tonight?

utterance: No.

utterance: You've been wonderful, thank you.

utterance: Thank you, Miss Edna and Happy Birthday in advance.

utterance: Oh.

utterance: You're so sweet. Thank you.

utterance: Bye bye.


utterance: Hello, thank you so much for calling Intellect Bank today. How may I help you?

utterance: Hello, my name is Shirleen and I just recently moved my business from from the from my old street to my new street since I saw it was much better. It was. Business was doing much better over the new place and it's easier for me to . And I was wondering if you could help me change the address.

utterance: Absolutely. I can go ahead and help you out with that. First I will gather some pieces of information from you. So may I have your name and date of birth please?

utterance: OK. My name is Shirleen Peterson and my date of birth is on the twenty-ninth of December nineteen ninety.

utterance: All right. Thank you so much. And can you spell your last name for me please?

utterance: OK, that is P E T E R S O N.

utterance: All right. Thank you so much for that. And can I also get your pin number please?

utterance: we go look for it?

utterance: Absolutely. No problem.

utterance: OK. My pin number is three five four six.

utterance: All right. Thank you so much for that. And can I confirm your current address on file?

utterance: OK. The current address is nine three three Brookside Street in Gallant City, Texas. And the code is seven five zero four one.

utterance: All right. Thank you so much for that.

utterance: And if you are ready I can take your new address that you'd like to update it to.

utterance: OK. My new address is two three five Hilltop Street, in Gallant City, Texas, and the code is seven five zero five zero.

utterance: All right. Thank you so much for that. And to confirm it, that's two three five Hilltop Street?

utterance: Yes.

utterance: And it's spelled H I L L T O P?

utterance: Yeah, that's correct.

utterance: All right. Thank you for that.

utterance: OK. So your new address has just been updated, and all the address and access from that business will be to that address on file.

utterance: thank you for that, and how is the weather over there?

utterance: Oh the weather is so nice. Thank you for asking. It's very warm. It's sunny lately where I am. How's the weather with you?

utterance: Oh, just generally sunny all throughout, which is good for us.

utterance: Yes, because lately it's been raining a lot, so I'm very happy about the warm weather lately.

utterance: Yeah, that's good. And I would like to know more about online banking because I heard about it but I've never gotten to know or learn about it.

utterance: Absolutely. So, our online banking. we provide our app, and. Or you could go to our website, online. And through this online banking you could do almost anything you do at a branch or at a helpline. So for example, you could update your address online, or any other pieces of information such as your phone number, or email. and you could also do many other things such as deposits or transfers.

utterance: OK, so, I can do deposit a check through online banking, right?

utterance: Yes, you could do deposit online. So you would take a picture of your check through your phone. and you would take a picture of the front and back and it will go ahead and deposit for you.

utterance: OK. That's good to know. And what's the process? What is the requirement? What are the requireds for online banking?

utterance: So the only requirements are that you have to login with your username and password, however there is no extra fees or anything like that.

utterance: Oh, OK. So username I'm using currently?

utterance: Yeah, so it'll be your current one.

utterance: Oh, OK, that's good to know.

utterance: Absolutely. Is there anything else I can help you with today?

utterance: No, that's it for today.

utterance: All right, no problem. Have a great day.

utterance: Thank you, and thank you for your time.

utterance: Absolutely.


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

utterance: Hi my name is Tammy Smith. I wanted to get my quick liquidity rate. I just found out that I'm going on Shark Tank pretty soon. And I'm really excited about the opportunity but there's just so many information that they need. but yeah my little small business has made it on to national TV. And I'm so excited to meet Mark Cuban. Because I live in Dallas. I'm just a really big fan of Mark Cuban. Do you know who Mark Cuban is?

utterance: Yes ma'am and congratulations on this accomplishment. I'm very excited for you.

utterance: Oh I'm very excited myself.

utterance: I would be happy to help you get your quick liquidity rate. I just need to get a few pieces of information. What is your name?

utterance: Oh my name is Tammy Smith.

utterance: Hi Tammy. How are you doing today?

utterance: Oh you know I'm doing good.

utterance: Well good. I'm sure you're very excited about this opportunity. May I get your address please?

utterance: do you mean my business address or my home address?

utterance: Your business address please.

utterance: it's eight one zero two South Park Street.

utterance: OK and what city is that in?

utterance: Oh Plano, Texas.

utterance: And your ZIP code please.

utterance: seven five zero nine two.

utterance: Perfect and what is your date of birth Ms. Smith?

utterance: Yeah February twelfth of nineteen eighty-six.

utterance: Perfect and do you know your pin number with Intellibank?

utterance: yes I do. It's zero nine eight eight.

utterance: Perfect. And may I ask for what time period are you needing the quick liquidity rate?

utterance: goodness hold on one second. Let me go check my email from Shark Tank. I think they just sent it to me. yeah can you hold for just a second?

utterance: Perfect.

utterance: Absolutely be happy.

utterance: To while you look for that information.

utterance: OK, yeah. I'm not really sure. I think it might be for like the first two months. I don't know. I'm so sorry. I'm still looking in my in my email.

utterance: There's no

utterance: Hurry, ma'am. I'm here.

utterance: All right here's the email. Let me scroll down to see there it is OK. So I need the quick liquidity rate for the fourth the first two quarters of twenty twenty-one. So that's just like January through I think July maybe. I don't know. Can y'all figure that out?

utterance: Absolutely ma'am. So you need the quick liquidity rate for the first two quarters of twenty twenty-one.

utterance: Yeah.

utterance: OK. Just give me a few minutes while we calculate for you that for that for you. While I'm getting this information do you have online banking?

utterance: you know I think they sent an email when I first set up my checking and and my savings account. just been feeling really bad about setting it up. And I haven't gotten around to it lately.

utterance: Well would you like me to send you some information about online banking? Because once you get that set up there's a lot of great things you can do with online banking. You can always check your balance. You can also check your net income of your business. You can get information. You can transfer money from your checking to your savings account. it's just a it's a have banking at your fingertips. Of course we're always here at Intellibank to help you. But online banking is a great resource for you.

utterance: Oh you know what that would probably be really helpful for like you know late night when I wake up in the middle of the night wondering about my business numbers.

utterance: Absolutely. So let me get can if can get your email address I will send you some information to you about online banking so that you'll have that.

utterance: All right. It's going to be T Smith one two three four five at Gmail dot com.

utterance: Perfect. So T Smith one two three four five at Gmail dot com?

utterance: Yep.

utterance: OK I do have your quick liquidity rate here for you. That rate is two point two five.

utterance: All right. Can you email me that report because I'm gonna have to like attach this a

utterance: I'd be happy to

utterance: Do that. I'll send that to the same email address as I'm going to send the online banking information.

utterance: Yeah and is this going to be two separate emails? You guys like send them together?

utterance: I can do whatever is easiest for you. I was going to send them together as two attachments. One attachment for online banking and one attachment for the quick liquidity rate. But if you would like for me to send two emails I'd be happy to do that.

utterance: you know what yeah. Can you just send me two because I like to organize my emails in a specific way. you know I'm a little OCD about my business and my information and whatnot. So yeah two separate emails that way I can put them into two separate folders. I think that would probably be best.

utterance: Absolutely. So I'm going to send you the first email right now. The first email's going to have your quick liquidity rate of two point two five. And then the second email is going to have instructions on online banking. I will tell you that the Intellibank has an app in both Android and iOS platforms. So regardless of which

utterance: Hey can you like give me a second to look that up while I'm on the phone with you?

utterance: Yes ma'am. If you're looking in your

utterance: And

utterance: And and and on the app is that gonna be like the Do I just log in the same way I do online or do I have to create a new

utterance: No ma'am.

utterance: It is your same login as you log in online.

utterance: Do you know if y'all have face ID on your app? I don't know. It doesn't really matter but it is a .

utterance: But you've got.

utterance: So if you have online banking set up on your computer you are already set up for online banking. And so all you would need to do is download the app. Use the same online banking information and there you're ready to go.


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

utterance: Yes, hi there. I'm trying to purchase a house and I need something that shows my finances so that I can show the lender that I have enough money to put a down payment.

utterance: Sure ma'am, sounds like you may need a copy of your bank statement.

utterance: Yes, that's exactly what I need, thank you. Will you be able to help me with that?

utterance: Absolutely not a problem. Give me one second here OK, while my computer does a quick update.

utterance: Sure, no problem.

utterance: And let me just get some information from you OK.

utterance: Sure, what do you need?

utterance: May I have your full name and date of birth, please?

utterance: Sure, it's Alexandria Lopez, date of birth is six, six, sixty-two.

utterance: That was Alexandria Lopez with a Z, L O P E Z, correct?

utterance: Yes ma'am.

utterance: And your date of birth was six, six, sixty-two?

utterance: Yes ma'am.

utterance: Thank you very much for that information, Ms. Lopez, and can I please have your account number?

utterance: Sure, I'm sorry, can you give me one second? I have to go get it from my purse.

utterance: Yeah, not a problem ma'am. I'll be right here waiting.

utterance: Sure, thank you so so much.

utterance: I'm still looking. Gimme one second, I will be right back.

utterance: No problem ma'am. I'll be right here waiting.

utterance: OK, I think I've found it. I'm sorry, I just have a few accounts so my numbers, sometimes I mix up which one is which.

utterance: Yeah, not a problem, not a problem.

utterance: All right, so try this one if this is the correct one, four, six, three, two, nine, eight, seven, one six, five two seven.

utterance: That was four, six, three two, nine, eight, seven, one, six, five, two seven?

utterance: Yes ma'am.

utterance: All right, thank you for that information. And may I please have your PIN number please?

utterance: Sure, it's six two, six two.

utterance: Thank you very much.

utterance: And how would you like me to send you this bank statement?

utterance: Well I think a better way to send it would be through my email, because I've been having a lot of issues with the mail lately, and I think someone's stealing it, so I'd rather not have my bank information out there.

utterance: Oh absolutely absolutely, I completely understand. Let me just put in your information here and verify your email address OK?

utterance: Sure, no problem.

utterance: One moment please while my system does a quick refresh.

utterance: Sure.

utterance: So, how's your day going?

utterance: It's going really well. it's been my first day off in a few days and I'm spending time with the family and the kids and you know, I just need to get this done while I still have time.

utterance: Absolutely, oh, you have children, how many?

utterance: Two.

utterance: Oh, boys, girls?

utterance: I have one boy who's gonna be two in like two weeks, and I have a a girl who's twenty.

utterance: Oh wow! That's a big stretch and difference in time. You starting all over.

utterance: Yeah I know, I wasn't supposed to have kids anymore but ended up finding out I was pregnant and it, it was a blessing in disguise.

utterance: I hear you, I hear you. That happens a lot. I have five myself you know.

utterance: Oh wow!

utterance: Yeah, yeah, my oldest is fifteen and my youngest is two so I, I understand that completely ma'am.

utterance: Oh, I give you props. I can't handle more than two.

utterance: Yeah.

utterance: All righty then. Let me just verify your email address that we have on file OK?

utterance: Sure, no problem.

utterance: All right, what we have here is A L O P Easy at Gmail dot com. Is that still correct?

utterance: Yes ma'am.

utterance: Perfect, all right, if you wanna just hold one moment here, I'm gonna go ahead and send that, and you should be receiving it momentarily OK, you let me know when that arrives.

utterance: OK, can I just ask you one quick question?

utterance: Sure.

utterance: Will that email that you're sending me have all my financial information and be correct on there?

utterance: Yes ma'am, it absolutely will. It'll be up to date.

utterance: OK, great. Thank you.

utterance: No problem, anything else I can do for you today?

utterance: No, I believe once I receive that email, that's all I need from you, and of course you know, if I need something else that I didn't get this time, I can always call back.

utterance: Sure, and you can also always log on to your account at WWW dot Intellibank dot com, and check your finances online, and you can also even print your bank statements from there as a matter of fact.

utterance: Oh wow, I didn't even realize that.

utterance: Oh, yes.

utterance: Yes, yes, it's a wonderful feature. Well did that come through yet ma'am?

utterance: I believe so, let me just check real quick, gimme one second.

utterance: OK, yes, I did get the email from you, thank you.

utterance: Oh you're very welcome, and again, thanks for calling Intellibank. Have a great day.

utterance: You too, thank you, Bye bye.

utterance: Mhm.


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

utterance: Hello Fernando, I just trying to get some more information and just seeing if you you could do it just about like a real estate loan? Did do you do real estate loans at Intellibank?

utterance: Oh absolutely.

utterance: Excellent. Can you please tell me what your rates are and you know how I would qualify if I wanted to apply?

utterance: sure. Are you an existing Intellibank customer?

utterance: Yeah.

utterance: All right. Well I'm gonna need some information from you on the loan. So that I can answer those questions. But to get started let's go ahead and log into your account. and to do that I'm going to need your full first and last name as it appears on your account.

utterance: Mhm.

utterance: OK.

utterance: OK.

utterance: OK. My first name is Brett. B R E T T. Last name is Barratt with two R's and two T's.

utterance: All right. Thank you Mr. Barrett. And I'm gonna need the street address that we have on file for you.

utterance: OK, it's three two five North Fig and the zip is nine three seven one four.

utterance: All right and what's the last four of your Social Security number?

utterance: it is three five five four.

utterance: And finally, what is your four digit security PIN?

utterance: It is one three one nine.

utterance: All right. Now we are in your account, thank you so much for being an Intellibank customer.

utterance: Mhm.

utterance: So in order to get this information on the loan for you, I'm gonna have to ask you a couple of questions about this piece of real estate that you're looking to get the loan for.

utterance: Mhm.

utterance: So I'm going to need it's full address?

utterance: OK. I was just gonna like. First of all just asking about what your rates are?

utterance: Well our rates right now we're offering anywhere between five and fifteen percent.

utterance: Mhm.

utterance: And that's going to fluctuate depending on where the piece of real estate is.

utterance: Mhm.

utterance: How much that piece of real estate is gonna cost.

utterance: Mhm.

utterance: And how much you can provide for a down payment.

utterance: Mhm.

utterance: and we are looking at we are looking for a down payment somewhere between five and twenty percent.

utterance: Mhm.

utterance: What's your your like preferred rate of like debt to income because my company is still like growing you know it's like more that three years and usually it takes about seven for a business to really get going and we have a lot of prospects and that's why we need the new space but right now on paper I think that a lot of places would turn me down because they would see you know the debts that we've accumulated while we're building a business and we don't have the income coming in completely yet.

utterance: So would you like me to check your debt to income ratio?

utterance: yeah. Do you have some sort of like you know, that you put it through like some sort of like contraption that spits it out?

utterance: Yeah.

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

utterance: Yeah I I just need to know like on paper what it is cuz I've a feeling that if I am gonna get approved anywhere it's gonna be more with me like meeting and talking and telling them you know, why it's a wise move as opposed to what the paper says but I I am interested in seeing what it says.

utterance: All right. Your current debt to income ratio is twelve percent.

utterance: So that means that my debt outweighs my income by twelve percent?

utterance: Yes.

utterance: Mhm. I actually thought it would be worse.

utterance: Yeah, that's actually not too bad.

utterance: you know. I. But what do they. Will they call it debt in there because I don't I have a lot of debts but it's with I don't think a bank could see that. Is it just like where my monthly payments go?

utterance: Well what I come with up for you here and what I'm seeing here is your debt to income ratio according to what you owe us and what you have in your accounts here.

utterance: But it doesn't like have my you know my monthly like this is my internet clause? This is my.

utterance: No this is just.

utterance: Netflix.

utterance: Account?

utterance: This is just what's on file here with Intellibank.

utterance: OK. So yeah that's works but hey, as long as we don't see that that's fine with me right?

utterance: That is correct.

utterance: All right, well this is very helpful. I appreciate it. I was hoping you'd get me that number so I really appreciate you doing that.

utterance: would you like to apply for the loan today?

utterance: I don't think so cuz again, I don't think I'm gonna get it and I don't wanna apply if I'm not gonna get it so I'm just gonna talk with my business partner and it was good to know. Thank you for that information and I'll probably be calling you back in a couple of days.

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

utterance: You too. Thank you.

utterance: Bye.


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

utterance: My name is Diane and I'll be assisting you on today's recorded call. How may I help you?

utterance: Hi there, how are you? Yes. my name's Jack actually applying for a credit card. for a corporate credit card.

utterance: And just wanted to see if I can get started on that ?

utterance: I would be glad to help you with that. I don't know if you know this but we can actually process your application right over the phone. I don't even have to send you to the website. Isn't that great?

utterance: Delightful.

utterance: Delightful, wonderful, absolutely brilliant.

utterance: Great. And

utterance: Jack have you had a time to review our types of corporate credit cards? We've got our gold card and our silver card.

utterance: Do I sound like silver?

utterance: No you don't, but I can't I can't make those assumptions. But I

utterance: I didn't. I

utterance: And that's .

utterance: Well well we'll just get away with it this one time. Give you a little out of it. Don't worry I'm gold darling.

utterance: Oh.

utterance: But.

utterance: With that fabulous accent I would only assume you want the gold card.

utterance: Gold.

utterance: And that's actually our best card because there are no annual fees, there are rewards, and you get the best interest rates available.

utterance: thank you so much. I'm looking forward to that. And you'll understand why I'm just gold and want the gold credit card in just a moment.

utterance: Oh, right. Well you know what let me just a little bit of quick info and I will get you done lickety-split.

utterance: it's actually

utterance: Of course.

utterance: Of course lovely.

utterance: Jack what is your last name?

utterance: Jack Anderson.

utterance: Could you spell your last name for me?

utterance: A N D E R S O N.

utterance: Wonderful.

utterance: And Jack your social security number.

utterance: Social security number is nine four three four five six seven eight nine.

utterance: Great and then your drivers license please?

utterance: It's D L five six seven eight three two.

utterance: And the state that it came from?

utterance: State that it came from is Los Angeles California.

utterance: Very good.

utterance: Although even though you have a drivers license number you sound like somebody that gets driven rather than drives.

utterance: Well I have to have a drivers license number for an ID. You know, I can have an ID number, but but you're right I actually do get driven around.

utterance: That's true.

utterance: Yeah.

utterance: see I I know I know my people.

utterance: Look at that.

utterance: Absolutely you do. Look at that you made a judgment you didn't want to in the first place. First time we got on the phone. But you're making a judgment and it is a fair judgment.

utterance: It's a correct judgment. Lovely.

utterance: Yes. Absolutely.

utterance: Jack may I get the four digit PIN number that you have associated with your accounts here?

utterance: Sure it's seven two eight nine.

utterance: Great that's just for security purposes. Thank you so much.

utterance: I believe you darling.

utterance: Don't worry, I have security over everything. Double secured.

utterance: Good for you, you need. I'm telling you, they listen to everything you might as well just be as up and up with that security that you can.

utterance: Triple secured.

utterance: Well I made crypto. I'm the one who actually probably created all of it. They probably came to me to secure security when it came to crypto. You can't get in anything so it's how secure things are.

utterance: Wow.

utterance: Wow that's incredible.

utterance: Yes.

utterance: Wow.

utterance: OK.

utterance: Well that that was the joke. That I have to maybe come up with crypto the security behind crypto but I'm just saying I'm so secure in my security that I could have easily come up with the crypto technology myself. All right. There you go.

utterance: Oh.

utterance: Goodness.

utterance: Got it. OK, you got me there, Jack, I gotta say.

utterance: Jack may I get your email address please?

utterance: Sure it's Goldenfinger.

utterance: I love that. I'm a I'm the biggest big James Bond fan.

utterance: Well.

utterance: Okay Goldenfinger.

utterance: Goldenfinger.

utterance: At Gmail dot com.

utterance: At Gmail dot com. OK, great.

utterance: That's right.

utterance: I'm having so much fun doing this application for you I can't even tell you.

utterance: Oh it's excited I'm happy to bring more joy in to your life.

utterance: Thank you Jack.

utterance: what is the name of your business?

utterance: You ready for this? Jack's jewelry and associates.

utterance: Mhm

utterance: Oh nice.

utterance: Very very nice if you don't mind me putting on a fake accent.

utterance: Go right ahead darling.

utterance: All right so we got that and are you the sole business owner?

utterance: I am indeed.

utterance: Okay.

utterance: And when the the day that you established your business. Just the year is okay.

utterance: I well actually it was my father's business and then it was passed down to me. it was established in nineteen twelve.

utterance: Mhm.

utterance: Wow.

utterance: Yes it was actually his his his father's father was actually the one who who established it. It was nineteen twelve it was his father and then he took over. My father did. And then I took over when my father pass it on to me.

utterance: Well that's .

utterance: That's fantastic cuz the more your business is established the more that helps your application.

utterance: Wonderful.

utterance: And Jack what would you say your gross annual sales were for last year?

utterance: last year we did about one point two million.

utterance: Okay.

utterance: And your tax ID number please.

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

utterance: OK and the last bit of information I need is the address where your business is located.

utterance: Sure it's seventy-three Rodeo drive Beverly Hills California nine three two eight seven.

utterance: Okay Rodeo drive. wow I hear it's beautiful there.

utterance: Oh it is darling.

utterance: Wow I heard the streets are like paved in gold over there.

utterance: Close.

utterance: Wow.

utterance: OK. Well Jack.

utterance: If it was in for the

utterance: Tourists they'd be paved in gold.

utterance: I'm sure.

utterance: Well Jack that's all I need from you. I just sent you a link to your email address.

utterance: there's going to be a link to your application so you can view it.

utterance: And then there's also a separate link to upload two documents that will complete your application. Your drivers license and your tax ID number.

utterance: Aside from that if you don't mind me saying you're as good as gold.

utterance: And make sure you check out Jack's Jack's Gold whenever you can. If you can look it up on Google.

utterance: And punch in the code Jack happy and you'll get a ten percent discount on any kind of jewelry. Now our jewelry starts at about ten thousand each but ten percent of ten thousand is a lot more than you can imagine.

utterance: I can imagine. All right. Well thanks for that tip.

utterance: Yeah.


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

utterance: Hey, Michael. My name's Michael too.

utterance: Oh, how about that?

utterance: Yeah, that's that's pretty awesome.

utterance: Happens a couple of times a day over here at Intellibank I'll be honest. A lotta Michaels out there.

utterance: Does it?

utterance: A lotta Michaels at Intellibank? That's funny. That's awesome. Hey man, yeah I it's a good name you know? So yeah, I Sorry. Just to get get get to the subject. I was.

utterance: Yeah no problem.

utterance: Is there something I can help you with today?

utterance: Yeah, Michael. I am looking to. I'm running. You know, I run a construction company and ever since pandemic started I've become a little bit worried about just my payroll costs. And you know, a a lotta people just lay off their workers. I don't believe in that. I don't believe there's any integrity in that. And you know, so I've kept my workforce but at the same time the payroll costs have just gone up. And you know, California's just like I don't know just I could I could start say so many bad things about how small businesses are running California but I'm sure you know just you want me to get to the point. So I will get to the point. my point is that I I need to. I need something to support this but I'm not sure what the long term option is.

utterance: OK. Well we can look into options for you. Are you a Intellibank customer?

utterance: I am.

utterance: All right. So I would suggest applying for an SBA five oh four loan. for you to make your payroll.

utterance: OK.

utterance: OK.

utterance: it's a loan that is set up and offered especially for these types of situations.

utterance: Great.

utterance: to get started, let's pull up your existing Intellibank account. And to do that, I'm gonna need to start by getting your full first and last name.

utterance: Great. so my full first name is Sully S U L L Y. Last name is Drake. D R A K E.

utterance: All right, Mr. Drake. And what is your date of birth?

utterance: My date of birth is January tenth nineteen eighty-eight.

utterance: And what is the last four of your Social Security Number?

utterance: Social Security number last four is three two nine eight.

utterance: And what is your four digit PIN?

utterance: It's zero two four five.

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

utterance: Great.

utterance: would you like to go ahead and apply for that loan?

utterance: Yeah. Yeah. I'd love to apply for the ABS loan.

utterance: that is in a that's actually the SBA.

utterance: Oh, yeah. SBA.

utterance: Five oh.

utterance: Four.

utterance: Sorry. SBA loan.

utterance: It is.

utterance: No problem. Just wanna make sure you know what you're applying for.

utterance: ABS.

utterance: ABS. Yeah, I mean automatic brake system. I you know my my brother's just like super into you know cars and stuff so he's just been feeding me you know nonstop information. Anyway.

utterance: A good

utterance: Way to think about this is system brake automated.

utterance: That's a good one. cool. All right. So just Let's do this.

utterance: Great. So I need you to confirm the street address that we have on file.

utterance: OK. it should be fifty-two Park Avenue. New York City New New York New York.

utterance: All right. And your email address?

utterance: email address is Drake D R A K E Sully S U L L Y at Gmail dot com.

utterance: Now what is the name of your business?

utterance: Yeah, the the name of my business is Uncharted Enterprises. Uncharted Enterprises LLC.

utterance: And are you the sole owner?

utterance: Yes.

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

utterance: Date of business establishment was twenty ten. Twenty ten.

utterance: And your tax ID number?

utterance: tax ID number. One second. yeah, so it's six nine one two zero two three five one two.

utterance: And how much were you looking to borrow today?

utterance: You know, I'm looking to borrow you know because of my payroll I think I'm looking to borrow about thirty-five thousand for the next three quarters just to last me through tax season next year.

utterance: OK. Thirty-five thousand. And I'll put the stated loan purpose as payroll?

utterance: Correct.

utterance: All right. Well that application has been submitted. And you will get an outcome in seven to ten business days. Is there anything else I can help you with today?

utterance: No. That's it. I love it. thank you so much. I really appreciate your your help on this and you know your patience through all of this.

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

utterance: Thank you. Bye.


utterance: Thank you for calling Intellibank Business and Commercial Banking Division. This is Jessica. How can I help you?

utterance: Yeah hey Jessica this is John Waters over at John Waters Consulting.

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

utterance: Well I'd like to well I'm using the mobile app cuz I gotta transfer over some money to cover some expenses cuz things have been really tight lately.

utterance: Sure. Understandable.

utterance: and I can't seem to get the mobile thing to I dunno. I'm just terrible at technology all the way around to be honest.

utterance: Oh OK. Well I'd be more than happy to assist you and walk you through the mobile app or if you would prefer I can assist you over the phone?

utterance: Yeah if you could assist me over the phone that would be great.

utterance: Certainly.

utterance: so you mentioned you need to move some money around and and pay a vendor. Is that correct?

utterance: Yes.

utterance: OK. do you know what account you're looking to transfer from? Is this going to be an internal transfer?

utterance: Yeah.

utterance: It's the wealth management the wealth management, that's correct.

utterance: The wealth management account OK let me pull up your account here and I'll take a look and see what we got going. can I please get the first and last name on the account?

utterance: that's John Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-nine and my account number is zero two two one seven three.

utterance: OK. can I please get the PIN number for that account number?

utterance: Yeah fifteen ninety-five.

utterance: OK.

utterance: it looks like you don't have the wealth management account. You actually just have the savings account. .

utterance: Oh is that a total checking or I mean a smart savings?

utterance: Yes.

utterance: Yes. You just have a smart savings account. You'd don't have the wealth management account.

utterance: Oh.

utterance: Well I'd I'd like to move that money around to my main checking.

utterance: Certainly. I'd be more than happy to help you with that. were you looking to transfer just a little bit? were you looking to make a reoccurring transfer? did you want to open up a wealth management account close your current savings account what were you thinking to you wanted to do?

utterance: Well how much is currently in that account?

utterance: your smart savings is showing a balance of seventeen thousand two hundred twenty-five dollars and thirty-eight cents.

utterance: Ooh that's gonna run me a bit short. if I transfer all that to the main checking ooh is there any penalty fees for not having any money in that account or anything?

utterance: yes. So the smart savings does require a minimum balance of a thousand dollars if you are under that minimum requirement there will be a fee charged every month until that minimum balance is met. your other option would be to close the account if you don't think you're going to be able to keep that minimum balance in there.

utterance: Yeah I think we'll go that route.

utterance: OK. So you're wanting to close that account then.

utterance: Yes.

utterance: OK. and you were you wanting to just move all this money into your checking account then?

utterance: Yes the main checking.

utterance: Or did?

utterance: OK. Wasn't sure if you wanted to open up a wealth management account today?

utterance: no.

utterance: OK.

utterance: OK and can I please just to double check and verify get the account number for your checking?

utterance: yeah please hold.

utterance: OK.

utterance: Alright I got it right here. It's eighty twenty-two seventy-four.

utterance: OK. Got that here. Alright I have gone ahead and made the transfer from the savings into the checking and I have now closed your savings account. this is an immediate transfer and an immediate closure of the savings however feel free to come in and reopen up a savings account when you feel you'll be able to adequately keep the minimum balance in there.

utterance: Alright yeah. That sounds great, thank you.

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

utterance: Nope you've been great. Thank you.

utterance: OK well then you have a good rest of your day now John. Bye bye.


utterance: Thank you for calling Intellibank this is Doctor Cliff Banks. How can I help you today?

utterance: can you repeat yourself?

utterance: Thank you for calling Intellibank this is Doctor Cliff Banks. How may I help you today?

utterance: OK hello Doctor Banks. Do you go by Doctor at work?

utterance: you know sometimes.

utterance: Doctor Banks. All right, my name is Gertrude Melise. Doctor Banks hello.

utterance: how how is it going Gertrude?

utterance: Great. I'm having a really good day.

utterance: Oh that's great that's great I am having an OK day.

utterance: Why is just OK.

utterance: Yeah, I'm a Doctor and I'm working at a call center.

utterance: Yeah you know I didn't wanna bring that up but now that you mentioned it.

utterance: That's OK. It's bad investments.

utterance: Bad investments. Mm. Well I've been making some really good investments.

utterance: Yeah.

utterance: Oh that's great.

utterance: Yeah.

utterance: It's great good to hear.

utterance: Mhm.

utterance: Yeah.

utterance: Wonderful.

utterance: Yeah, I did take a loan out from this bank for my small business though.

utterance: Yeah.

utterance: Yeah.

utterance: And I was wondering what balance was on that.

utterance: Sure what's your name again?

utterance: Gertrude Melise.

utterance: Gertrude Malaise. I am a well, you know, I'm a doctor of philosophy.

utterance: What type of doctor are you?

utterance: that's exciting.

utterance: Yeah. I

utterance: Was a philosophy major.

utterance: Congratulations.

utterance: Thanks. Gertrude may I have your account number?

utterance: Yeah.

utterance: Fourteen seventy-three nine nine nine nine eighty-two.

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

utterance: Mhm.

utterance: And may I have last four of your soft code?

utterance: One six five three.

utterance: All right one six five three perfect.

utterance: Yeah.

utterance: And how about that date of birth there?

utterance: Oh it's one so I was born in December on the eleventh in nineteen eighty-three.

utterance: OK.

utterance: What's your sun sign?

utterance: My sun sign? I was born on January fourteen.

utterance: Mhm.

utterance: Nineteen ninety-eight.

utterance: Great. You know you're pretty young doctor.

utterance: I I walked fast.

utterance: Mm.

utterance: Me, too.

utterance: Great.

utterance: Mhm.

utterance: so you wanna find out your account balance.

utterance: Yeah.

utterance: Your loan balance?

utterance: Mhm.

utterance: All right it says here for your business you you still owe fifteen thousand.

utterance: I would like to pay that right now.

utterance: Whoa OK. Miss money bags over here.

utterance: Mhm.

utterance: Yeah.

utterance: all right Gertrude Melise let's get you. How would like to pay that? Through would like us to just take it out of your account or? All right.

utterance: Yeah.

utterance: Mhm.

utterance: And from your checking account or saving account.

utterance: How about from my checking?

utterance: sounds good. All right. Would you like to know the balance of your checking after that?

utterance: Mhm.

utterance: Sure!

utterance: Alright, you have three hundred and fifty thousand dollars left.

utterance: That's what I'm talking about.

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

utterance: Well I heard something about this banks wealth management program.

utterance: Oh.

utterance: Yeah absolutely, there's we have a great wealth management program, we we can talk to you about investments, we can talk to you about CDs.

utterance: Talk to me about investments.

utterance: well. what we do. I wouldn't be since I don't qualify I wouldn't be the one to talk to you about it, but I could definitely transfer you over to.

utterance: Talk to me about CDs.

utterance: again our finance department will handle all of that. I just know what we offer and I'll tell you and you'll let me know which one you are interested in.

utterance: OK.

utterance: And I will transfer you over to the right financial advisor.

utterance: So what else is there besides investments in CDs?

utterance: Oh there's.

utterance: There's Roth IRAs, there's there is

utterance: That sounds great.

utterance: That sounds great?

utterance: Yeah.

utterance: OK let me transfer you over to. Is there anything else I can do for you in the meantime before.

utterance: Before

utterance: You transfer me?

utterance: Before

utterance: I transfer you. Yep.

utterance: Well, while I'm thinking about it but do you think you that you could tell me what my my other loan balance is because I have two.

utterance: Sure let's see here.

utterance: I'll just pay it. I don't even need to know.

utterance: OK, you don't you don't wanna you don't care to know the balance?

utterance: This way they don't have to call.

utterance: No I'll just pay it.

utterance: All right from their checking?

utterance: Jus~

utterance: Yeah.

utterance: Mhm.

utterance: All right. And your balance is now fifty thousand dollars.

utterance: OK great.

utterance: All right anything else I can do for you before I transfer you over?

utterance: Do you know any jokes?

utterance: Yes! I do.

utterance: Well, I don't wanna hear it. I just wondered.

utterance: Great. that's good. I don't wanna tell it.

utterance: Perfect.

utterance: great! so I'm gonna go and transfer you over the guy's name is Elizabeth. I'll talk to you later.

utterance: Bye.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Louisa and I will be assisting you on today's recorded phone call for your customer satisfaction. May I ask who I have the pleasure of speaking to?

utterance: Why.

utterance: How's it going? my name is Eric.

utterance: Hi Eric. How are you?

utterance: Doing well.

utterance: Great. What can I do for you today Eric?

utterance: Well you see, a buddy of mine was talking about a about a five oh something loan. I can't what is it called?

utterance: are you? .

utterance: Oh.

utterance: To loan?

utterance: Yeah. We There is a. An SPA loan, a five oh four that's available.

utterance: Five oh f~

utterance: Sorry. Five oh four looking at, and I was looking and I was curious about some of the required documentation. The FAQ, yes.

utterance: That's OK.

utterance: OK.

utterance: Certainly. let me just let you know there are two different types of SBA loans that we have.

utterance: Mm

utterance: We have one called the five oh four and we have the seven A. The difference is a seven A is generated more for general business expenses where a five oh four is geared more for real estate needs within your business. Like if you're purchasing a property for example.

utterance: All right. Well I actually am looking to purchase property so perfect.

utterance: OK great. Yeah so that would be the five oh four SBA loan. And then you were interested in knowing also about what type of documents that would be required?

utterance: Yes I am. I I think I still need to go over certain things but in the meantime just having all the documentation you know ready to go. Just knowing exactly what I need before I make the push.

utterance: Of course. let me just pull up some information so I can better assist you. Eric, what is your last name?

utterance: That sounds.

utterance: It's Thompson. T H O M P S O N.

utterance: OK. Very good.

utterance: Thank you.

utterance: Certainly. I'm just putting you into the system. And Eric is E R I C?

utterance: Yes.

utterance: OK. All right. And for security purposes what is the four digit PIN number you've established with us?

utterance: Yes it's three nine four five.

utterance: Three nine four five. OK perfect. And again for security purposes can you please verify your date of birth?

utterance: Sure. It's June thirtieth nineteen ninety-one.

utterance: Perfect. All right so I I just wanted to just briefly say thank you for your loyal patronage. I see that you carry many accounts with us your credit cards, your checking, your savings.

utterance: everything. I absolutely love this.

utterance: Even your.

utterance: Love this place.

utterance: Thank you. We love having you as a customer and you've been with us for over ten years so thank you.

utterance: I know.

utterance: Ten years.

utterance: Well just, you know.

utterance: As soon as

utterance: I started just my little business and now I've slowly starting to grow and I'm just. been so great to me so I appreciate it.

utterance: That's.

utterance: That's great.

utterance: And just for your own FYI to keep in your back pocket, when you have so much business with with us that does make you a better candidate for a loan as well.

utterance: Well that's great to hear. Glad to hear it.

utterance: All right. so specifically for an SBA five oh four loan it is a little bit easier to get because it is backed by the federal government. It gives you a lower interest rate and that interest rate stays fixed for the amount of the loan. The type of documentation that you'd be looking at you'd be providing a copy of your tax ID number, if you have previous properties that you can show that you purchased. copies of the deeds. It's it's it's not quite collateral, but it does show that you make good faith payments.

utterance: Wonderful.

utterance: OK great. Just some of my other OK.

utterance: OK.

utterance: Then you'd be looking at tax documents for the past two years both personal and professional.

utterance: Mhm

utterance: Yes.

utterance: a copy of your business license.

utterance: OK.

utterance: OK.

utterance: I can do that.

utterance: You'd also be looking at two years of end financial statements. And and that that's just in a nut shell. It also depends on the amount of the loan. I mean if you're looking at fifty thousand versus five hundred thousand there'd be different requirements. And then lastly applying for a loan can be done online, on the phone or via our mobile app. The documents would be uploaded into our system. They can be faxed in if you're still using fax machines. they can also be emailed in and then of course physically walked into a local branch.

utterance: Mhm.

utterance: OK. Well you know I think you've answered all the questions I really need. I wanna thank you so much for for being so helpful.

utterance: Oh it's my pleasure. Thank you for being a valued member of our financial community.

utterance: Oh I appreciate that. You've been such a great help.

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

utterance: You too.

utterance: Bye bye.


utterance: Hey there, thanks for calling Intellibank. My name is Lavender. And who am I speaking with?

utterance: Hi Lavender, this is Paul.

utterance: Hey Paul, nice to meet you.

utterance: Nice to meet you too.

utterance: And what's you last name Paul?

utterance: Ferret.

utterance: Ferret all right, and how can I help you out today?

utterance: I'm just looking about opening up a savings account with all of you.

utterance: OK, great do you already have a checking account with us or is this your first time banking with us?

utterance: first time banking.

utterance: OK, wonderful OK, are you interested in opening a personal savings or a business savings account?

utterance: It'll be a personal account.

utterance: OK, all right, starting off could I get your mailing address?

utterance: the mailing address is six three zero zero Wilshire Boulevard Los Angeles, California nine zero zero three six.

utterance: And how about the last four of your social?

utterance: three four nine zero.

utterance: And do you have a driver's license number?

utterance: I do it is let's see two eight two five one eight.

utterance: Mhm.

utterance: OK, and what's your email address?

utterance: it is Paul's Burgers at Gmail dot com.

utterance: Paul's Burgers at Gmail all righty. sounds good and then what will your four digit PIN number be for your savings?

utterance: let's see here four four five four.

utterance: Great. OK, wonderful.

utterance: Well what we can do is we can set you up with a savings account. personal savings and if you'd like you can deposit our minimum amount of three hundred dollars and forgo our twelve dollar service fee monthly.

utterance: OK, great.

utterance: Is that the only way to get around the service fee?

utterance: that's right as long as you just have the minimum in your account every month you'll never be charged a service fee. But why not since you're new and banking with us for the first time let's just go ahead and wave it this month. And as long as you have three hundred in your account next month you won't have to pay that service fee.

utterance: Oh, OK, great thank you so much.

utterance: Of course and how much would you like to deposit today?

utterance: let's do a thousand dollars.

utterance: A thousand dollars all right. Go ahead and deposit a thousand dollars. and I'm gonna go ahead and read you your new account number. It is three seven one three six and your routing number is one two three four five six seven eight.

utterance: OK.

utterance: And you can. This is gonna be your your personal savings account is that correct?

utterance: yes correct.

utterance: OK, wonderful so just a reminder as long as you stay above our minimum three hundred dollars you won't be charged the monthly service fee and we do not have a interest rate.

utterance: very very cool thank you.

utterance: Of course. Do you have any other questions about your account?

utterance: Well just I I'd like to get some credit cards going. So could you just sort of school me on those I guess?

utterance: Sure, well since you're new and banking with us for the first time I would recommend the silver card. the interest rate is one percent and as long as you remain in good standing and keep your payments going you can become eligible for the gold card.

utterance: Mhm.

utterance: OK, what's the gold card give me?

utterance: Sure, well has a higher credit line and then that interest rate remains at once percent.

utterance: Great.

utterance: OK and do you have online banking?

utterance: We do you can manage your banking online on our website as well as our mobile app for your convenience. you can make withdraws, you can make deposits and transfer funds between your accounts if you have multiple accounts all on our mobile app and online.

utterance: I think you broke up there a little bit. What what was the last part about mobile online?

utterance: Sure thing, you can do all of your banking online or our mobile app that's where you can transfer some funds, you can make some deposits, you can make some withdraws you can either make you can even make payments from your mobile app as well.

utterance: Oh, OK great. Well this was all very helpful. Thank you so much.

utterance: Sure thing. Would you like me to send you a confirmation email with all of these details?

utterance: Yes, that would be

utterance: Great.

utterance: All right.

utterance: At.

utterance: Paul. A Paul's burgers at Gmail dot com.

utterance: Paul's Burgers at Gmail. All right I'm gonna go ahead and send that email right now. And you should be receiving that within the next five minutes make sure to check your spam folder.

utterance: I will. Thanks again, Thanks for everything.

utterance: Looking forward to banking with you all.

utterance: My pleasure.

utterance: Likewise.