utterance: Thank your for calling Intellibank. My name is Stephen. How may I assist you today?

utterance: yes I need to upgrade my equipment for my cabinet shop and I was wondering what type of loans that you offered?

utterance: All right I can certainly give you some information. we offer term loans, secured loans real estate loans, and SBA seven A as well as SBA five oh four loans.

utterance: OK Can you tell me the interest rates between your secured loan and your term loan?

utterance: Absolutely our terms loans generally have an interest rate between four percent and nine and a half percent. And our secured loans will generally be between three and a half percent and eight percent as they are backed by collateral.

utterance: OK so Can I apply for a secured loan today?

utterance: yes we can certainly get that process started if that's something that you'd be interesting in doing.

utterance: On second thought let's let's apply for the term loan line of credit.

utterance: All right sir. just to clarify were you wanting to apply for the term loan or apply for a line of credit?

utterance: are they the same thing?

utterance: no there is some differences between the two. so our term loan you would receive a a lump sum of funds that you would then pay off over a fixed period of time. and the line of credit you would be given a a credit limit similar to a credit card and you will only pay interest on the funds you use and you can pay off and use those funds as you go so it's more like a revolving line of credit.

utterance: OK and is is the name of the line of credit the Intel Bank line of credit?

utterance: is an Intellibank line of credit. Yes sir.

utterance: OK let's do that.

utterance: All right I can certainly assist with that. Can I have your name and date of birth please?

utterance: Dan Thomas. Date of birth is May twelfth nineteen sixty.

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

utterance: Thirty-six Edgema Lane.

utterance: And the city?

utterance: Canyon Country.

utterance: And state?

utterance: California.

utterance: And then the ZIP code please.

utterance: Nine one three eight seven.

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

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

utterance: Thank you and your driver's license number as well as the state of issue of the driver's license.

utterance: O M three five D V H A I Q nine. let let me correct that. I I said it wrong.

utterance: All right, sir. Go ahead.

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

utterance: All right. Thank you very much, sir. And then your authenticating PIN number for the account with us?

utterance: One zero six two.

utterance: Thank you. And what is a good email address we can contact you at?

utterance: Thomas Kestems as Gmail dot com.

utterance: Perfect and what is the name of the business that you would like to apply for this line of credit with?

utterance: Thomas Kestem Cabinets.

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

utterance: Yes.

utterance: And when was that business established?

utterance: July sixth. Nineteen eighty-one.

utterance: And the gross annual sales for the business?

utterance: Two hundred and thirty thousand.

utterance: Thank you and the business tax ID?

utterance: just one second while I look it up.

utterance: No problem.

utterance: OK I got it.

utterance: All right sir if you could just provide me with that ID number.

utterance: Four five six. Eight two four. Five three one.

utterance: Thank you very much and the street address for the business?

utterance: Seventy-six Sunbeam Drive.

utterance: And which state is that located in?

utterance: California.

utterance: And city?

utterance: Canyon Country.

utterance: And ZIP code?

utterance: Nine one three eight seven.

utterance: Thank you and what would you. Which address would you like to have your mail sent to your personal address or your business address?

utterance: my business address.

utterance: All right. Thank you very much. And then how much of a credit limit were you looking to apply for?

utterance: a hundred thousand.

utterance: All right and the purpose of your line of credit?

utterance: Upgrade equipment.

utterance: All right. Thank you very much for that information. I've got your application filled out and I will go ahead and submit that and get that process underway. you will receive a letter in the mail outlining which business documentation we will need in order to process your application and then you will also get an email with a link to set up the online banking for this so that you can submit the documentation electronically if you would prefer.

utterance: All right that sounds great. You having a good day so far?

utterance: Mm yes sir my day is going quite well. How is yours?

utterance: It's doing good.

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

utterance: I don't believe so.

utterance: All right. Well then you have a great rest of your day sir.

utterance: All right. Thank you.

utterance: Thank you.


speaker_role: Agent

utterance: Hello and thank you for contacting Intellibank. This is Timothy how may I be of service to you today?

speaker_role: Customer

utterance: Timothy I need to check the loan balance on the house. We did a few things. You know refinanced which was which was a smart move but now we're looking to make a few other purchases. looking at a new car. You know this new Bronco came out and I'm kinda psyched for it. Just wondering if I have have enough space you know in my account. say keep my little payments good. Balance is square enough to where we have some leeway so make make a few other payments you know. so if that's that's something we could figure out today I'd I'd I'd love to have that knocked out.

utterance: Sure what type of loan do you have with us?

utterance: currently have a home loan. With you guys.

utterance: OK well let me pull up your real estate loan here. I am just going to need to get started your first and last name as it appears on your account and your date of birth.

utterance: yeah Steve Olsen. And date of birth excuse me February twelfth nineteen eighty-two.

utterance: Thank you Mr. Olsen how's your day going today?

utterance: It's going pretty well pretty well. I'm mean just eyeing this eyeing this new car. What's your favorite color?

utterance: Oh red.

utterance: Red. Yeah they got a beautiful red color that I think it's gonna it's gonna work on me. May take your suggestion on that second color.

utterance: I I hear you get more tickets if you have a red car than a different color car. so even though it's a beautiful color I I I'm not sure I can recommend getting the red.

utterance: it's all right. I'll I'll eat the tickets if I can stare at the beauty all day.

utterance: OK fair enough.

utterance: What about interior kind of color do you think?

utterance: Oh I'd go with a with like a deep grey. Something you can stain up and not have to worry about.

utterance: Yeah that's a good call it's a good call. Yeah they think these have like a wash out interior you know. So when I take it out get a little dirty. Dogs get in it. Yeah just a wet rag and and what are those called? my mind's gone I'm just overwhelmed. Water hose you can just spray it out and go.

utterance: Mm.

utterance: I understand.

utterance: all right. I do see that you have a real estate loan with us. And I'm gonna need that six digit account number. and the four digit PIN associated with that account.

utterance: All righty the six digit account is two one seven four the PIN correct? Excuse me. No that was the PIN you need the account number apologies.

utterance: Oh sorry OK.

utterance: That's me

utterance: Well let's start over at the beginning of the account number please.

utterance: OK sorry. it's six two one four nine seven. The PIN six one four nine.

utterance: And now the PIN.

utterance: All right I am in your account. OK.

utterance: Oh I'm assuming you're gonna you're gonna need this. mother's maiden name is is Berry. Street address is one five five.

utterance: No actually I I'm already in the account so unless you plan on making any changes today then I'm not gonna need any of your security questions. I'm not gonna need the last four of your social, your mother's maiden name, your first pet's name, your yeah whatever you gave us. unless it get's to the point where you want to make some changes and then at that point then yeah I would need that stuff. But to just pull up your real estate account and check the balance everything that you've already given me is going to be plenty.

utterance: OK.

utterance: OK excellent. Yeah sorry for jumping the gun. Got a little excited.

utterance: Not a problem at all. I I can hear your excitement over this car and I'm gonna try to help you out here.

utterance: Excellent, excellent thank you.

utterance: So.

utterance: It looks like the remaining balance on your real estate loan is one hundred eighty-nine thousand two hundred fifty-six dollars and seventeen cents.

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

utterance: no I guess not. Well what kind of leeway do we have to to make some changes to like scheduling of payments or options to lower.

utterance: Well you know it's showing me here that we already lowered your payment last year. And we have also given you three payment extensions this year. So I am afraid at this point you are actually out of extensions for the year. I would recommend giving us a call back after January. making the rest of the payments this year and on time. and then call us back after the end of the year and we can see what we can do for you come January.

utterance: Anything else I can do for you today?

utterance: nope that's all yeah.

utterance: All right. Well good luck with the car and thank you for calling Intellibank and you have a wonderful rest of your day.

utterance: OK. You too.

utterance: Bye.


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

utterance: Hi Maxwell, just checking in with Intellibank. Seeing what's going on.

utterance: All right. do you have any account with us?

utterance: I do.

utterance: well why don't we go ahead and start by pulling that account up? That sound good?

utterance: Yeah let's let's start there.

utterance: OK, in order to do that I'm going to need your full first and last name, as it appears on your account.

utterance: OK, it is Mack Barron.

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

utterance: September sixteenth nineteen ninety-two.

utterance: and what is your four digit PIN?

utterance: One zero one zero.

utterance: And your six digit account number?

utterance: Eight four five four two one.

utterance: Great, all right. Give me a moment here while I pull up your information. System's running a little slow today.

utterance: It's OK.

utterance: All right. Well I see here that you have our Intellibank Platinum Business Card. Would you like to see what your current balance due is on that card?

utterance: My credit card balance, yes please.

utterance: Great. so, it looks like your balance due for this month is going to be forty-two hundred sixty dollars and twelve cents.

utterance: OK. OK.

utterance: while I have your account pulled up is there any other questions I can answer for you? Anything else I can help you with?

utterance: Well based on that balance I want to apply for a term loan.

utterance: OK. That will not be a problem at all. I can go ahead and fill out that application for you and submit it and you'll get a response in seven to ten business days. So, starting out how long are you looking for the term of the loan to be?

utterance: One year.

utterance: All right, and how much is the loan amount?

utterance: Sixty thousand dollars.

utterance: All right. and what is the purpose of the loan.

utterance: I need it to cover some medical expenses that aren't covered by my insurance.

utterance: All right, I will put medical expenses. and now to dive into the nitty gritty here, I'm gonna need your social security number.

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

utterance: And your state issued ID or driver's license number?

utterance: Sure that is C as in cat eight oh two seven nine four three.

utterance: and what is your tax ID number?

utterance: Tax ID is five two eight three zero zero two four one.

utterance: and I need you to confirm the email address that we have on file for ya.

utterance: Email is M B M as in Mary B as in Brock M B liaison at Gmail dot com.

utterance: All right and what is your business's name?

utterance: Liaison First Incorporated.

utterance: And are you the sole owner?

utterance: I am.

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

utterance: That would be August second, nineteen eighty-five.

utterance: All right and I am going to need your gross annual sales.

utterance: OK, my net annual sales, right?

utterance: no, I'm sorry your gross annual sales.

utterance: My gross annual sales. Oh, that's eight hundred and twenty-six thousand, last year.

utterance: All right. Well great that is all I needed. I'm gonna go ahead and submit that right now. and is there anything else I can help you with today?

utterance: Nah, that's it. thank you.

utterance: Great, well you'll receive the answer to this within seven to ten business days. In the mean time, thank you for calling Intellibank and you have a wonderful rest of your day.

utterance: Thank you.

utterance: Bye.


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

utterance: yes, I'm trying to find out what the consumer price index is. I'm sure that's a really weird question.

utterance: no problem at all I can do that for you. Who am I speaking with today?

utterance: it's Jill Baker.

utterance: OK Jill, do you prefer that I call you Jill or Ms. Baker?

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

utterance: All right Jill, so you're wanting to check the consumer price index, is that correct?

utterance: Yes, that's right.

utterance: Do you currently have an account with the Intellibank?

utterance: yes I do. I've had one for years.

utterance: OK and do you own a business?

utterance: Yes I do.

utterance: OK what kind of goods are sold at your business?

utterance: so I own Johnson Controls. it's it's medical supplies. We sell medical supplies there.

utterance: OK and what periods are you wanting to get the price index for?

utterance: well just twenty twenty if you can. My sister and I we have a bet. we have a bet right now about what's what is up right now basically. So I really need to know the information to see if I'm higher or if she's higher.

utterance: Understand. let me look into this for you OK. Give me just a moment all right? OK so right now for twenty twenty it looks like the cost of consumer goods sold for medical supplies is around twenty fur twenty-four percent. so this is one of the highest averages since nineteen ninety-nine. it looks like the surge is likely a result of the pandemic and then the influx of medical needs that's been caused by it. but yeah but it it is right now at twenty-four percent and that's the highest it's been in quite some time.

utterance: Oh my goodness that's really high. yeah that's what I was telling my sister. I said that that covid has just caused medical sales to skyrocket but so many people they've been affected by covid so I mean it makes sense there's there's been a massive need for it.

utterance: Yeah it's actually surpassed transportation and that hasn't happened in like two decades. So medical supplies have you know they've surpassed that transportation that you know that transportation cost that we've previously seen in the past.

utterance: I mean I can understand like with all the covid restrictions people didn't really travel that much so I mean it makes sense that transportation would fall. Things are starting to open back up though so I can imagine that the transportation will start to increase again even though even though travel's like a lot different right now you know what I'm saying? Have you have you traveled anywhere since the pandemic?

utterance: I have. I recently just traveled to California.

utterance: Traveling's so weird now isn't it? It's really strange.

utterance: it's definitely different than it was before.

utterance: So whereabouts in California did you go?

utterance: I went to I actually went to San Francisco. I was in San Francisco for about a week.

utterance: Oh my goodness, San Francisco is so beautiful. it's such a fun scenic city. I worked in San Francisco for a few years in the nineties. It's a very diverse city with a lot of culture.

utterance: Yeah it it definitely is. This was actually my third time visiting there and it was, it's just a really cool place I enjoyed as well.

utterance: Yeah it's definitely a cool place. Lots of great restaurants there too. I'm sorry I didn't mean to get off off track from what I called about. I apologize.

utterance: Oh no, it's no problem at all Jill. now that I've answered that question for you, was there anything else that I could do to help help you out today?

utterance: No I'm sorry I didn't mean to hassle you with the questions. We were just arguing about it I was trying to tell her how high it was in twenty twenty. So we, I just wanted to prove her wrong basically.

utterance: That's no problem. No problem at all. anytime you'd like to find out the CPI for anything you can always find that information on the US Bureau of Labor and Statistics website. They also break down each good and each period and give a pretty detailed explanation to the current index. So it's it's kind of a cool site to look at especially if you're a business owner but again you're always welcome to call us here at Intellibank anytime you need assistance too and we can always walk you through it or help you as well.

utterance: You said that's on the Department of Labor website?

utterance: No, it's actually the US Bureau of Labor and Statistics. let me look their website up for you here real quick just in case you need it. Yeah so it looks like the website is WWW dot B I S as in boy igloo Sam dot gov, G O V. So that's WWW dot B I S dot G O V and there's actually and this is actually where we get the information from too that we shared that I shared with you today. but there's actually even a breakdown up at the top where you actually select at the tabs on the top of the page where you can select what kind of consumer goods you sell and it'll kinda break it down for you there. But it's kind of a cool site. You can break it down by year. It's a lot of information out there especially for business business owners if you're just trying to get comparisons.

utterance: Thank you for all that information. I appreciate it. I'm definitely going to check it out.

utterance: Anytime Jill. Was there anything else that I could do to help you out today before I before I disconnected with you?

utterance: No I think that was everything. I really appreciate it. Thank you so much for letting me bothering you.

utterance: No problem at all. Thank you for choosing Intellibank Jill and you enjoy your day. OK?


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

utterance: Hi Jamie. How are you?

utterance: I'm great, thank you for asking. How are you?

utterance: I'm doing pretty well. It's a long day today, but I just got to get a couple more things done and then I will be done for the day.

utterance: Amazing.

utterance: Sorry, I didn't mean to interrupt you, I just have a couple things. let's see. first I would love to schedule a credit card payment and to make that a recurring payment also. and also while I have you on the phone, I would like to see what the yield is for a treasury bond I have. Actually a couple of them. You know I just had one written down here, but I actually have two more, so while we're on the phone I'm gonna find those as well.

utterance: OK great. I'd be happy to help you out with both of those things today.

utterance: Thank you so much.

utterance: Of course. Can I start by getting your full name and your date of birth please?

utterance: Mhm. Jasmine Roberts. it's J A S M I N E. Roberts is R O B E R T S. And date of birth is August second nineteen eighty-seven.

utterance: OK. August second, you said?

utterance: Yes. Mhm.

utterance: Nineteen.

utterance: Eighty-seven. OK great. OK Jasmine I am gonna go ahead and pull up your account. Can I start by getting your account number, please?

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

utterance: OK, and that was six five three two five eight nine four zero seven?

utterance: Mhm.

utterance: OK. So before we can proceed any further I do need to ask you a few security questions for the safety of your account.

utterance: No problem.

utterance: OK. Can I start by getting your PIN number please?

utterance: Yes. It is eight nine five two.

utterance: Eight nine five two? OK great. And when you created your account you did set up a few security questions, so I'm gonna go ahead and ask you those now.

utterance: Mhm.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: Jefferson. So J E F F E R S O N.

utterance: OK. And what was the name of your childhood best friend?

utterance: Oh jeez I think I put Jessica in for that one? Let's try that first.

utterance: OK. Yep. That that works, so thank you for going ahead and providing that information for me Jasmine. I was able to verify your account, so give me one moment to pull that up.

utterance: OK.

utterance: OK. So I do have your account up in front of me. And you said you wanted to start by making a credit card payment, correct?

utterance: Yes, that's right. I'd like to schedule the payment and make it recurring.

utterance: OK great. Can I start by getting the credit card number please?

utterance: Mhm. So it's seven five six two four eight three nine two two five seven six eight four three.

utterance: OK. And that was seven five six two four eight three nine two two five seven six eight four three?

utterance: That's correct.

utterance: OK great. And what amount did you wanna go ahead and pay?

utterance: let's do five hundred.

utterance: Five hundred. And you wanted that amount to be reoccurring?

utterance: Yes please.

utterance: OK great. And can I also get the bank account number and the routing number for the account that you want the money to be pulled from?

utterance: Sure. So the account number is three six nine eight five seven two six. And then the routing number is two four six eight seven three five two.

utterance: OK so the account number was three six nine eight five seven two six?

utterance: Mhm.

utterance: And the routing was two four six eight seven three five two.

utterance: Mhm.

utterance: OK great. And when did you want the payment to happen?

utterance: let's do it for the fifteenth.

utterance: OK. So the fifteenth of the month. and five hundred dollars every month.

utterance: Yes.

utterance: Yes.

utterance: OK Jasmine. So I did go ahead and process that. You should be receiving an email from us shortly letting you know that not only did you pay your five hundred dollar credit card payment but it is reoccurring now.

utterance: OK fantastic.

utterance: OK great. And you did mention that you wanted to check the yield of some of your treasury bonds, correct?

utterance: Yes. I have three, but I I just have the number for one, so let's start there.

utterance: OK. And what was the time period on those?

utterance: they are all five year.

utterance: Five year. OK. Gimme one moment. OK, so I actually don't need the number. I'm able to look them all up in the system right now.

utterance: Yeah.

utterance: Oh that's fantastic.

utterance: Great. OK so the first one it looks like you have a seven percent yield.

utterance: OK.

utterance: The second one you have a three point five percent yield.

utterance: OK.

utterance: And the third one it looks like. Wow you have ten percent.

utterance: Oh fantastic. OK great.

utterance: Yeah, so.

utterance: Yeah. as far as checking on those online. Is that something that you guys offer?

utterance: Yes. So you could go to your online account and check those. Basically once you click account once you're logged in there should be a thing that says business assets.

utterance: Mhm.

utterance: And underneath there you will see the treasury bonds. and once you click that there is a fit page that says like all of the different options, but below that, kind of small. Which is the. I know it's hard to catch. There is a little treasure box icon, and once you click that you can check your bond's yield.

utterance: Mhm.

utterance: Mhm.

utterance: OK yes, that's fantastic. That way I won't have to call every time. OK great. So we're scheduled with a credit card payment, I wrote down those yields, and yeah I think that's all I needed.

utterance: Great.

utterance: OK. Well if that's all, then you have a lovely day.

utterance: Thanks, you too.

utterance: Thank you.


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

utterance: Yes, I need to check my checking account balance, please.

utterance: OK, I can help you with that. And 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, so you're wanting to check your account balances. Is this a business checking account?

utterance: Yes, that's correct.

utterance: OK, and what is your account number?

utterance: So my account number's three four six zero two, and it's nine nine eight.

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

utterance: It's Liza Control.

utterance: OK, and what is your date of birth, Jill?

utterance: It's March second of nineteen eighty.

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

utterance: Yeah, so the PIN number's six four seven eight.

utterance: OK, so I have your account pulled up. And it looks like your available balance is eight thousand nine hundred and fifty dollars and nine cents.

utterance: OK, I don't have any pending deposits, do I?

utterance: No. I do not see any pending deposits for you.

utterance: OK, so I'm needing to cover a business expense, expense. and don't want to have to withdraw all the funds from my checking account. So I'm not really sure what my options are . Do you know what I could possibly do?

utterance: Yeah. OK, Jill. So you're basically saying you have some business expenses that you weren't expecting, and you don't want to take those funds from your business account. am I understanding you correct?

utterance: Yeah, that's right. I just don't know, since we bank with Intellibank, there might be something that you could do to help us. I just. I just don't want to deplete our account again just to. Just to cover an expense, if you know what I mean.

utterance: Yeah, Jill. So what we may have is some loan options that would work for you. Could you tell me a little bit more about what you're trying to pay for?

utterance: Yes, so we had some storm damage to the exterior of our warehouse. It's caused a. It's caused us significant damage, and the insurance is not covering it. So now we're having to pay those expenses out of pocket for those repairs, and I just. I need something to cover it that's not going to break our account.

utterance: OK I'm sorry to hear that, Jill. So we. We do have a couple of loan options that may work for what you need. So the first is our secured loan with Intellibank. And with that loan, we need something to be used for collateral. so you'd have to provide some kind of property for equal or more value of of the or of the amount that you're borrowing. but we can take that term out for thirty years. Then the other option that we have is a term loan. And that loan is usually designed for a lower borrowing amount. So you get that borrowed money up front, and then we'd set a term for repayment on that, but no collateral is required.

utterance: Can you tell be what the interest rates on both of those are?

utterance: Yeah. So for the secured loan, the interest rate varies from about nine point nine percent to twenty-four percent. And then for the term, those vary from about seven percent to eighteen percent. And the rate is based on your credit score and the borrowing amount and on the term of of payment that you do. It's got a lot of factors that go in there, and I. And we also pull your credit.

utterance: OK, so I think based off of what you said, I think the term loan sounds like it would be the best bet for me then, ay?

utterance: Yeah. that that to me probably sounds like the best option for what you're trying to do depending on how much you're trying to borrow. And it also tends to have a little bit lower interest rate there too. did you want me to apply for that loan for you?

utterance: Yes, let's do it. What do I need to do?

utterance: OK, so what I'll need to do is just get some more information from you. I already have your date of birth and your name, but can you. Can you confirm your PIN number for me just one more time?

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

utterance: OK, I'm gonna need to get just a little bit more information from you. What city and state are you in?

utterance: I'm in Kansas City, Missouri.

utterance: OK, and what is your street address?

utterance: It's five three nine Wilton Lake Road in Kansas City.

utterance: And the ZIP code there?

utterance: It's seven three eight two zero.

utterance: OK, Jill, and can I also get your social security number?

utterance: Yes, how about seven three eight zero two zero seven eight three.

utterance: OK, Jill, and what's your driver's license number and the state of issuance?

utterance: So my driver's license is M as in Mary nine three seven zero zero two zero zero and it's Missouri, please. OK, actually, I'm sorry. My driver's license number is actually R as in Robert nine three zero zero two eight nine nine. I'm so sorry. I I had it wrong. It's Missouri though still.

utterance: OK, Jill. And are you the owner of the business?

utterance: Yes, so, I'm I'm the only owner. That's correct.

utterance: OK, and when did the business open?

utterance: It opened October ninth of two thousand and twelve, I believe.

utterance: All right, Jill. Can you tell me what your business grosses annually? And do you. Do you happen to know that information?

utterance: So I think last year, we made like four hundred and ninety thousand, I think is what what our gross was last year.

utterance: OK, Jill, what is your tax ID number?

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

utterance: OK. All right, and can you tell me what the address of the business is?

utterance: Yes, so that's eight three seven two. And that's Hillshire Way, Kansas City, Missouri. And it's eight three six seven two.

utterance: OK, and can I confirm an email address for you too as well, Jill?

utterance: Yes, so that J Baker, J as in Jill Baker, at Liza Controls dot com.

utterance: All right, Jill. And I know we kind of went over it, but can I ask you again why you're seeking this loan?

utterance: Yes, so I'm just trying to cover some storm damage that was done to the business, just the repairs.

utterance: OK, I can understand that. And how much are you looking to borrow for this this?

utterance: So I was hoping to get like twenty thousand to cover it, if it was possible.

utterance: Yep, I can put down for that. And what term are you looking at for this?

utterance: so maybe like eight to ten years, somewhere in between there.

utterance: All right, Jill, I'll mark you down for that. let me see here real quick. Was there anything that you were going to be able to put towards this loan?

utterance: I could probably do like five or ten percent. or if I could do like a flat rate, I could probably do like an even fifteen hundred down, if that was possible.

utterance: And OK. I'm gonna. I'm gonna put both of these on there for the options. OK. So I'm gonna send this through to see if I can get a preapproval for you. Give me just a moment, OK?

utterance: OK, are are you here in Kansas City?

utterance: Yeah, I am.

utterance: Have you heard, have they called off the storms today?

utterance: So I check about an hour ago. And they were still expecting it to come in around four p.m.. it did say that they expected like ninety mile an hour winds.

utterance: Yeah, so I pulled all of my workers back in, and I think I'm going to send them them home early. I mean, I just I really can't afford any more damage to the business though, so I'm hoping it's not a doozy.

utterance: Yeah, I get off at three today. So hopefully, I'll get home before it starts too. But I mean, I I I don't know, other than the winds and the little bit of of rain that's supposed to come in, I don't think it's supposed to generate anything else. I didn't hear anything about any kind of tornados or anything that they were expecting. But it's definitely always always a little scary when a storm comes through, so I wish you the best of luck at your business.

utterance: Thank you. I appreciate it. I wish you the best of luck too on your way home. Just be careful.

utterance: You as well, Jill. I appreciate that. Jill, I did get your preapproval for this loan for you. So what I'm gonna do now is I'm gonna email you a link to our loan portal. And that will also have a list of documents that I'm gonna need for you to provide. Once you access access that email, if you can upload those required. Required documents to that portal, then a loan agent will review over those and reach out to assist you with the the rest of the loan process. I do want to let you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided at can be verified. Did you have any questions about any of this?

utterance: No. So you said I'll get everything in an email then, and I'll just have to kind of follow the directions from there?

utterance: Yeah, so I'll send everything to you in an email, and it will also give you a list of all the documents that they you need. Was there anything else I could help you with today?

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

utterance: Thank you, Jill. Thank you. You have a good day.


utterance: Intellibank this is Charlie. How can I help you?

utterance: Hey Charlie, how are you doing today?

utterance: I'm doing really really well. How about yourself?

utterance: I'm doing good. Hanging in there.

utterance: Hanging in there.

utterance: OK.

utterance: I'll be hanging a a a lot longer cuz I have a good feeling about the things I'm about to ask.

utterance: All right, that's great and I hope I can help you.

utterance: I know you can. I just I can feel it already.

utterance: I'm going to ask for some stock quotes.

utterance: OK, no problem. I can definitely help you with that. Let me get your first and last name and your date of birth.

utterance: All right. My name is Brian Quinlan.

utterance: How do you spell your last name?

utterance: Q U I N L A N.

utterance: Mhm. Mhm.

utterance: Quinlan OK. OK Mr. Quinlan. And your date of birth?

utterance: It's August tenth nineteen seventy.

utterance: Mhm.

utterance: OK and your PIN number?

utterance: The pin is one oh seven oh.

utterance: OK. And do you happen to have the stock symbol?

utterance: Oh

utterance: Take your time.

utterance: All right, I you know what?

utterance: Mhm.

utterance: I I will get it. How about that?

utterance: Yes, I'm here. Whenever you are ready.

utterance: OK. Let's go with N F L X which is Netflix.

utterance: OK. So it's N F L X?

utterance: Yes.

utterance: OK. OK. One second. I'm sorry it's a little little long. OK so those today are at twelve hundred dollars per per stock.

utterance: Wow! OK.

utterance: Awesome. That sounds awesome. So is there any other stocks that you want to look up of yours? The the value? I can look up as many as you like.

utterance: You really?

utterance: Yes.

utterance: Oh we we could be here a lot.

utterance: Mhm.

utterance: How how about you know.

utterance: Mhm.

utterance: It's it's it's funny and I and I've said this you know last year with the whole pandemic situation that happened and all the shuts down. I don't know why did I. I I said this all last year and I never did it. And I am probably going to end up kicking myself in the in the butt right now. But one of the most popular things that came out off, I think, the whole pandemic is Zoom. Zoom video. Cuz everything everybody does Zoom meetings.

utterance: Mm.

utterance: Right right. right.

utterance: So.

utterance: I wonder what like.

utterance: That's really smart.

utterance: The Zoom stock is.

utterance: Wow, that's a smart idea. I don't know.

utterance: Mm.

utterance: Yeah, I haven't even look at that. I cuz I just started dabbling in, in investing as well.

utterance: All right so they are coded Z M.

utterance: Z M OK. OK. Mm. I mean not bad their stocks at eight hundred dollars per stock.

utterance: Wow. OK. OK.

utterance: Not bad.

utterance: It's not bad yeah.

utterance: But I think the stock market is kind of fluctuating lately. I think it'll be on the rise again. But I know a lot of stocks have been down.

utterance: Right.

utterance: You know. Like I've invested in Tesla. And this vehicle was It was one down. Like usually it'll go up and then stay steady. But this past week it went down. I don't know if you invest in Tesla but yeah. I al~

utterance: I

utterance: I I wanna invest in Tesla, it's another one that got I think very highly of what's his name Elon Musk. Yeah. Yeah it's something I. It's it's there is so much. you know with these. All these like really high tech companies going on Yeah.

utterance: Elon Musk yeah.

utterance: Mhm.

utterance: You know if you'd like I can set you up for online banking. Because then you can go on and check these quotes We have like a special tab on our online banking system and you can just check quotes twenty-four hours if you wanted to. You don't even have to bother to call.

utterance: I guess that will be a lot easier and save and save all your customer service reps that I call and pest once-a-week.

utterance: Yeah.

utterance: For prices.

utterance: No no no without you we would not have jobs.

utterance: Huh.

utterance: We don't want you to stop calling completely. We just want to make your life more convenient.

utterance: Right I appreciate that.

utterance: Or if you get up

utterance: During the night like you know a lot of times, I know I do, and you can't sleep and you start looking at things you know on the internet or.

utterance: Yeah, you guys aren't working at that point. We can't call you.

utterance: You know?

utterance: Right. Right our customers service line is only open till eight p.m.. Eastern Time. So.

utterance: But online banking is twenty-four seven.

utterance: Yes. So do you want me to send you over the link to set yourself up for online banking? Like I'll start the process for you and then you just need to follow the prompts.

utterance: OK.

utterance: And then you'll also be prompted to see if to a answer if you want to order a banking card. You don't have to. A lot of people don't.

utterance: Yeah.

utterance: You don't have to do that.

utterance: No no no.

utterance: You don't.

utterance: But OK. What is your email?

utterance: It's B Quinlan.

utterance: OK.

utterance: nineteen seventy.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK. All right. All right, so I sent that over to you. I started the. I started the process for you. You just need to follow that link. If you have any questions please call us back. No problem, do not hesitate, we are here to help.

utterance: OK.

utterance: But I really don't anticipate you you know needing our help. Because it's pretty self-explanatory.

utterance: OK.

utterance: So there's that. And is there anything else I can help you with Mr. Quinlan?

utterance: No, I think that's everything.

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

utterance: You're welcome 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 would like to apply for a line of credit on my business please.

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

utterance: It's Jill Baker.

utterance: All right. Do you prefer that I call you Jill or Miss Baker?

utterance: You can call me Jill that is fine.

utterance: All right Jill. So you are wanting to apply for a line of credit for your business. Is that correct?

utterance: Yes that's right.

utterance: And do you currently have an account with Intellibank for your business?

utterance: I do.

utterance: OK. What is your account number for your business?

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

utterance: All right Jill. What is the name of your business?

utterance: Oh my gosh. I'm sorry. I need to change that. That was actually my personal account. my business account is seven five six two nine nine three zero and it's Johnson Controls.

utterance: OK. I got that that for you Jill. No problem there. OK Jill what is your date of birth?

utterance: My date of birth is March second of nineteen eighty.

utterance: OK and it looks like your account has a four digit PIN on it for security purposes. Can you tell me what that four digit PIN number is?

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

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

utterance: I'm in Kansas City, Missouri.

utterance: Thank you. And what is your street address?

utterance: Mine is five three nine Heatson Road.

utterance: Thank you. And the ZIP code there?

utterance: Seven three eight two zero.

utterance: All right. Let me get a little bit more information from you here Jill. What is your social security number?

utterance: It's seven three eight zero two zero seven eight three.

utterance: Thank you for that. And what is your driver's license number in the state of issuance?

utterance: it's M nine three seven zero zero two zero zero and it's a Missouri license.

utterance: OK Jill. So are you the sole owner of the business?

utterance: well it's an LLC but I'm the only owner. Yes so I I I guess I would say I'm sole owner.

utterance: OK. And when did that business open?

utterance: It opened in October of two thousand twelve. I believe it was like around the ninth of October.

utterance: OK. Do you happen to know off-hand what your business grosses annually?

utterance: I think last year we made like four hundred and seventy-five thousand for the year so somewhere in that range.

utterance: OK. You said four hundred and seventy-five thousand?

utterance: Yes that's right.

utterance: All right. And what is your tax ID number?

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

utterance: Thank you. And just the verify real quick you said that was Johnson Controls correct?

utterance: Yes that's the business name.

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

utterance: It's eight three seven two Hillshire Way Kansas City. eight three six seven two is the zip.

utterance: Thank you. Can I confirm the email address for you too?

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

utterance: Thank you Jill. Where do you receive your mail at? Is that at the business address or do you receive your mail for your banking mail at home?

utterance: You can just email everything to the business I mean that's where I get most everything anyways.

utterance: OK. Jill can I ask why you're seeking a line of credit with us today?

utterance: So mainly I just want to build up my credit with the business and just have another financial source in case we have a business emergency. It's it's mainly that.

utterance: OK. I can understand that. How much credit were you looking for today?

utterance: I was hoping to get like around twenty-five thousand if I could.

utterance: OK. All right Jill. So we do have a couple different line of credit options. What I'm gonna do now is I'm gonna send this through to see if I can get you a pre-approval. if so if I do get you that pre-approval then I'm gonna send you over to one of our loan agents so they can kinda walk you through and get everything set up for you. OK? if your credit is not immediately approved that does not mean that you're declined that just means that you need to that they just needed to review your your information a little bit further in order to make that decision. They may need me to call your for some additional information but if it doesn't come back as a pre-approval today then what will happen is they will send you out a letter and kind of let you know what you need to do from there if you're not immediately approved. OK? But but let's try to get that pre-approval run for you first. OK?

utterance: OK. Thank you. I'm sorry if you can hear the equipment running in the background. They're building a new wall divider in our offices and and the drill it's just extremely loud even with my door closed. Their tools are just incredibly loud.

utterance: Is that like a partition for cubicles that you said you were building there?

utterance: No. It's like literally it's like a half wall that they're building in for our front lobby. It's so the the desk can't be visible to the public when they come in. It's supposed to give the receptionist some privacy you know coz she sometimes deals with HIPAA related documents so she needs it to remain kind of private and discrete.

utterance: OK. I I understand what you're saying now. that makes sense. did they say why it was taking them so long to get it done?

utterance: I think they're a bit short handed because of covid really.

utterance: Oh that's understandable. We've had we've had several out of our office as well for illness and just for having to quarantine they've had to to be out of the office.

utterance: I'm not upset or anything. It's just really loud so when you're trying to conduct business with that going on up there it's just extremely loud.

utterance: Well Jill I I hope that they can get that done for you soon. If for some reason you're having trouble hearing me just let me know and I can repeat something. OK? I did get that pre-approval for this loan for you so what I'm gonna do now is I'm gonna go ahead and send you through to speak with one of our loan agents and they're gonna gather some information from you and they'll work on processing that loan for you today. OK?

utterance: OK. Thank you so much.

utterance: Not a problem at all Jill. Was there anything I could do for you before I transferred you?

utterance: No that's everything. Appreciate it.

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


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

utterance: Yeah, so I was wondering what I needed to do to add my secretary to my account please.

utterance: I can help you with that, who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: It doesn't matter you can call me Jill.

utterance: OK Jill, so you're wanting your secretary to be able to contact you or, I'm sorry, make contacts with you regarding your account?

utterance: Yeah, so basically I just want to add her as you know like somebody that can access it if necessary.

utterance: OK and is this a business account or a loan account?

utterance: It's my business account.

utterance: OK and what accesses are you wanting your secretary to have for the account?

utterance: So I want her to be able to call in regarding the account, maybe make some deposits or withdrawals. Just basically everything but on a smaller capacity if that makes sense.

utterance: OK so what I could do is I could add her as a delegate on the account, that way she can have access to the account but on a limited basis. Would you like to do that?

utterance: Yeah, let's do that please.

utterance: OK let me get some information from you. What is your account number?

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

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

utterance: It's Johnson Controls.

utterance: And Jill, what is your date of birth?

utterance: It's March second nineteen eighty.

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

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

utterance: All right. So I have your account up, I'm just gonna need to get some information for your secretary now in order to get her add in. What is your secretary's first and last name?

utterance: It's Sandra Miller.

utterance: And what is Miss Miller's date of birth?

utterance: It's April eight nineteen seventy-six.

utterance: And do you have a social security number for her?

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

utterance: OK and can I get an email for her?

utterance: Yeah, so hers would be S Miller at Johnson Controls dot com, so it's S as in Sam Miller at Johnson Controls dot com.

utterance: OK. And would you like to add a four digit PIN number for her and this will just kind of help differentiate between who is responsible for certain activity on that account?

utterance: so could she change it later if she wanted to? Like, if I pick something that she won't remember will she be able to go back and change that to something she'll remember?

utterance: Yeah, we can do that.

utterance: OK then, can we do four zero zero nine for her for now?

utterance: Yeah. OK. she'll just have to, if she wants to change that, she'll just have to remember the have the PIN number that you created for her today in order to make that change. OK, and do you have an address we can add for her?

utterance: Yeah, so it's three two zero Western Place, Kansas City, Missouri, and it's seven three eight two nine.

utterance: OK. Give me just a moment OK, I'm gonna get her added to the account. All right, all of her information in here. OK Jill, I have her added to the account. And if you have access to online banking she can also use that too. if you give her access to it we can you can kind of customize her permissions on that account by using your PIN number for the account. So if you want her to have like limited online transactions for you or have some kind of limited account access you can actually do that through the online portal, OK?

utterance: OK.

utterance: Was there anything else that I could do for you today?

utterance: Well can you kind of explain to me then how how I access that or limit that for her?

utterance: Yeah, so whenever you log into your account you'll basically when you log in to your account it'll give you the top of the page it tells you each of the accounts. So right now we just have her with access to your preferred business checking account. So you'll go to that preferred business checking account and it will actually on the side have an account tab you will choose that account tab and go in there and kind of kind of go through your options as far as any kind of your personal information that you're verifying. But there's a section under there that will say delegates, when you click on that delegate you can actually add or remove delegates. You can limit their accesses, like it'll say some things that they're not they're not able to do deposits or they're not able to do withdrawals from the account. So you can limit it and kind of customize it the way that you want to by going to that.

utterance: OK, so right now though, what access does she have?

utterance: So right now she's just a delegate. So what she has is she does have the ability to to deposit and withdraw from the account. The deposits don't have a limitation. But for the withdrawals she has a five hundred dollar a day limitation so she can't withdraw anything more than five hundred dollars from that account. Anything over that or beyond that she would have to, they would, the bank would call you and try to get your permission regarding that before she was allowed to make that transaction. She can go online and view certain stuff but she can't make any changes to that account without your PIN information. so she does have the ability to just view the account and view that kind of information, print off statements, things of that nature. But she can't make any changes to your account. if she calls in she's allowed she's able to get account information pertaining to balance information. But she's not able to apply for any loans on your behalf, or she's not able to make any transfer requests on your behalf, all of that has to be done with your main PIN number in your name. So you'd be the one that would have to do that, she wouldn't be able to do those kind of things. So she has a very limited amount of what she can do. does that kind of answer your question, Jill?

utterance: Yes that does, I appreciate it.

utterance: Was there anything else I could do for you today?

utterance: No, I think that's everything. You've done a great job, I appreciate it.

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


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

utterance: Hey, Allen. good to speak to you. I need to make a change to my statement delivery method I think is what you guys call it. yeah.

utterance: OK, yeah. That is what we call it. And we can totally do that for you.

utterance: Are you sure? Cuz I, I called about this a while ago and I feel like I didn't get any real help. so, you know.

utterance: Oh I'm so sorry about that. When you called earlier, what delivery method were you trying to change to?

utterance: Call it again.

utterance: currently, it's on, on fax and I don't work at that office anymore so having it come in through fax isn't really necessary. So, anything that can be done that's a bit more personal, whether it be to a home address. I guess even email could work. I don't use it that often. shit, even, excuse me. Excuse me, I don't know if that might be a little much. Apologies. Too much pent-up frustration, I suppose.

utterance: It is all right. I, I completely understand your frustration. I'm very, very sorry that they were not able to fix this matter the first time you called. But I am gonna do everything within my power to make sure that we get this fixed while I have you on the phone this time. But to do that I am going to need to start by asking you your first and last name and your date of birth. How all of those appear on your statement.

utterance: OK. you still need those? I mean, when I called I gave them all that information. It doesn't, it doesn't just come up with the phone number I have?

utterance: I do. Unfortunately.

utterance: I just to. it's to. It has more to do with security purposes to make sure that this is the right person I'm, I'm talking to. We, we wouldn't want to change anything without getting that confirmation. And I'm sorry that this is going to be repeated info but you spoke to someone else earlier so I, I don't have any of this handy, unfortunately. So once again, if you could start by giving me your full name and your date of birth.

utterance: yeah, it's Jason Stevens.

utterance: OK, Mr. Stevens and the date of birth?

utterance: October eleventh nineteen eighty-two.

utterance: OK, great. And I just need you to confirm your account number and four digit PIN.

utterance: All right, the account is one six four three two one and the PIN four digits four four eight two.

utterance: OK, my system is loading, this will just take a moment. Please hang tight. Sorry for this.

utterance: No problem, no problem. I'm sure you deal with it all the time. How do they. How do they treat you at these call centers?

utterance: well, this call is being monitored, so very well.

utterance: All right, good, good. Speak the truth. But I get it, you got to pay the bills. understood. What are you able to do for fun?

utterance: you know, I honestly, I haven't had fun in quite a while.

utterance: Not that this isn't fun. Call center work is fun.

utterance: Sure, sure, sure, sure. But that's, you know, a small part of the day. It's not, not who you are. You gotta, gotta find your fun .

utterance: again, these calls are being recorded. So I will state again that working at the call center is fun. OK, I am in to your account and it's oh, yeah. It is showing the delivery method is still fax. I am very, very sorry about that. We are going to change this right now. So, I am gonna immediately put a stop to the fast delivery. That is now done. we are taking the fax number off your account here. So, would you like these mailed out to you? Or would you like to take the time to set up a paperless online banking or app use?

utterance: just just send in through the mail. I'm not really into all that online internet stuff. I think things just through the mail a little bit old school. But little newer school than a fax would be would be perfect.

utterance: I completely understand. I'm just gonna need you to confirm the address we have on file to make sure that that is the correct address that we're gonna to be sending your statements out to.

utterance: All right. that's six one nine Billy Street. And that's going to be in Los Angeles California. nine two two four one.

utterance: That was nine two two four one?

utterance: Yes.

utterance: All right. Well, we are all set. I am very sorry that they did not switch that last time. It is all switched over and ready to go. You will no longer receive any faxes from us. And going forward, all of your statements will be delivered in the mail. Is there anything else I can help you with today?

utterance: no, that's, that's been everything. Thank you.

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


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

utterance: Yeah, I want to update my phone number on my on my business account.

utterance: absolutely sir, happy to help you with that and if I could just ask what is the first and last name on the account?

utterance: Benjamin Freeman.

utterance: OK. And Mr. Freeman, what is the business name on the account?

utterance: Oh, Ray's Construction Company.

utterance: All right. And Mr. Freeman, I'm going to pull up the account so that I can change the number as you've requested but I'll just need to verify your account before any changes can be made on the account. Is that understandable?

utterance: That's understandable.

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

utterance: three twenty-six nineteen seventy.

utterance: All right. And Mr. Freeman what is your business address?

utterance: My business address is three six eight eight Laymon Court Smyrna, Georgia three zero zero eight oh.

utterance: All right, fantastic! And what is your bank account number with us there, Mr. Freeman?

utterance: Oh, my account number is is nine eight four six five nine one seven.

utterance: All right. And final question here on the account verification is what is your pin number, Mr. Freeman?

utterance: My pin number is one seven zero nine.

utterance: OK. that's one seven zero nine?

utterance: That's correct sir.

utterance: All right. And Mr. Freeman, let me see if I can get your account pulled up here and I believe you stated that you wanted to call in to change your phone number. Is that correct?

utterance: Yeah, I wanna update my phone number, yes sir.

utterance: OK, and what's the new phone number that you wanted to update it to?

utterance: That number's seven seven oh two two zero five eight five nine.

utterance: OK.

utterance: Wait! that that's wrong, let me do that that that's that's not right, I I apologize man that's not right. the number the right number's are four four two two seven six zero seven three. Thank you.

utterance: OK, you said that number was four zero four two two seven.

utterance: Six zero seven three.

utterance: Six zero seven three?

utterance: Yes sir, that's correct.

utterance: All right. All right, terrific. let me see if I can get this processed here in the system for you.

utterance: Thank you, I I appreciate that sir. I apologize for that mistake, I been looking at a lot of numbers so it just hey I just missed it this time but I thank God was able to correct it in a timely fashion.

utterance: Oh, not a problem at all Mr. Freeman. We certainly understandable. I can assure you I throughout the day, with all the numbers I'm looking at, I have to double check, triple check, and sometimes quadruple check to ensure that I to to correct the errors and mistakes that I make so it's not a problem at all. how's your day going?

utterance: Oh, it's really good it's really good day it's get a chance to go and walk walking walk around the park get some air and come back in, you know?

utterance: You know, it's good to get that fresh air in because it clears your mind so that you can tackle the business of the day.

utterance: Oh yeah, it's very good, very good. Just don't get in the car and leave. just walk around and come on back in the building.

utterance: there you go, I think a lot of business owners, that's how they are. They're married to their business you could almost say.

utterance: Oh yeah, definitely. That's that's that that that is your wife, the business. That's that's when you go to sleep and wake up with it.

utterance: that's what I've heard, you know, that's what I've heard. now Mr. Freeman, I was able. the system did successfully update your phone number as you've requested and let me just let you know as well cuz I. As you stated, hey, you know you may be married to the business so it might not be at times convenient for you to give us a call here at the help line, so you can, just so that you're aware, go online, if you're familiar at all with our online banking. Is. Are are you familiar at all with that?

utterance: run that across to me. I I heard about it but I really didn't, you know, cuz my sister was doing that stuff. Cuz I I could do something else what they were doing but since she out of town right now go explain to me. And I'll just. I so I can do it myself.

utterance: Absolutely, happy to do that. it's very simple. All you have to do is visit our website, and as long as you have the account number that you provided with me earlier, you can create your own username and password of your choice of your choosing and it takes less than thirty seconds to do. And you'll be able to access your account right there online. You can see what your account balance it, you can update your phone number as you've just done here a moment ago, your address you can check and authorize a transfer of funds between your accounts. All of that's right there accessible including locating branches that may be near you.

utterance: Oh, that sound real good. I really appreciate that because that'll save me a lot of time.

utterance: Yes sir. Well I'm glad to have been of assistance to you, is there anything else I can help you with?

utterance: Oh, that'd be all. I think you have did everything that I want to be done today. Thank you.

utterance: Well fantastic! We certainly do appreciate you giving us a call today and you have a terrific day.

utterance: Thank you very much, you too.

utterance: Bye bye now.

utterance: Bye bye.


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

utterance: Hello, Cassandra. My equipment is on it's last leg. I really need, I do really need to get some upgraded tools before the next year. I would like to apply for a SBA borrow for a loan to cover the cost expenses.

utterance: Yes, sir. I can certainly go ahead and process an SBA five oh four loan request through our system. I'll need to get some information from you so that I can go ahead and process that request, though.

utterance: Sure.

utterance: OK, sir. let's begin with your first name, please.

utterance: First name William.

utterance: And your last name, sir?

utterance: Grayson.

utterance: All right, Mr. Grayson. Could you gimme your street address now?

utterance: Yes, street address is thirty-five seven eight Clinton Street.

utterance: And what's the city, sir?

utterance: Little Rock.

utterance: And the state?

utterance: Arkansas.

utterance: And what's that ZIP code, sir?

utterance: Seven two two one one.

utterance: All right, sir. Thank you so much for that information. And now could you gimme your social security number, please?

utterance: I sure can. It's four three two eight six three nine six nine.

utterance: All right. That was four three two eight six three nine sixty-nine?

utterance: Yes, ma'am.

utterance: OK, sir. Thank you for that. And could you also gimme your driver's license number, please and the state?

utterance: That driver's license eight two one nine one nine four and it's in the state of Arkansas.

utterance: All right, sir. Thank you for clarifying that information. Now could you gimme the PIN that's associated with your account with us?

utterance: Yeah, that PIN, PIN leave is five five two three.

utterance: All right, sir. Yes, it is in our system as fifty-five twenty-three. Thank you for that.

utterance: All right.

utterance: OK, sir. Now what email address would you like to list with us?

utterance: Well, the email I would like to list is Grayson W S A S twenty ten at Gmail dot com.

utterance: All right. Thank you so much, Mr. Grayson. I've put down that email address with us as Grayson W S A S twenty ten at Gmail dot com.

utterance: All right.

utterance: OK, sir. Now could you gimme your business name, please?

utterance: Yes, Shucks Auto Supply.

utterance: All right. That's Shucks Auto Supply, sir?

utterance: Yes, it is.

utterance: And are you the sole owner of this business, Mr. Grayson?

utterance: Well, I sure am.

utterance: All right, thank you. And when was this business established, sir?

utterance: Nine five of two thousand ten.

utterance: All right, sir. And what is your gross annual sales?

utterance: My gross annual sale is two hundred and twenty-five thousand dollars.

utterance: All right, sir. And could you gimme your tax ID number, please?

utterance: Yeah, my tax ID number is five six five four three four six six zero.

utterance: OK, sir. That number was five six five four three four six six zero?

utterance: Yes.

utterance: All right. Thank you, sir. And now could you list your business address, please?

utterance: My business address is five fifty-one Lincoln Drive.

utterance: And what city, sir?

utterance: It's in Little Rock.

utterance: And the state?

utterance: That would be Arkansas.

utterance: And what ZIP code, please?

utterance: ZIP code seven two two one one.

utterance: All right, sir. Looks like that's close to your street address, sir.

utterance: Oh, yes.

utterance: All right. And how would you like your mail delivered from us, sir? Would you like it sent from, to your home or to your business?

utterance: To business, please.

utterance: OK, sir. And that's the five five one Lincoln Drive Little Rock, Arkansas seven two two eleven ZIP code address?

utterance: Yes, it is.

utterance: OK, sir. Thank you for that information. And what is the purpose for this loan request, sir?

utterance: equipment purchases.

utterance: OK, sir. And what is the loan amount you'll be requesting with us today?

utterance: Thirty-five thousand.

utterance: OK. So that's a thirty-five thousand dollar loan request for new equipment?

utterance: Yes.

utterance: OK, sir. And what is your down payment percentage?

utterance: let me have that at ten percent.

utterance: OK, sir. So you're gonna offer ten percent downpayment on that. All right, sir. could you hold on for one minute one minute while I complete your loan application, please?

utterance: yes, yes. yes, yes, yes. So do you have any plans for the weekend, Cassandra?

utterance: No, sir. I absolutely don't have any plans for this weekend. Are you having any plans for this weekend, Mr. Grayson?

utterance: I don't know yet. I just take it as it come.

utterance: All right, sir. I actually do have some plans for the next weekend. I plan on actually getting out and go ahead and finishing my Thanksgiving shopping.

utterance: I did that already.

utterance: Oh, sir. You've already completed that?

utterance: I did that.

utterance: yeah. I I mean, you gotta get up and get that done.

utterance: Well, you're ahead of the game to me, sir. I've been working a little too hard, so I've been putting it off.

utterance: Don't you got brothers and sisters?

utterance: yes, sir. But they live about a hundred and fifty miles from me, so.

utterance: Aww.

utterance: OK. How about kids.

utterance: I've got kids, sir. And they're all under the age of twelve, so there's no help there either.

utterance: Oh, I mean

utterance: Dang, you just have nobody there.

utterance: Oh,

utterance: Well. I have a husband. But, sir, every time I send him out, he comes back with something that's not on the list, so.

utterance: Send him out.

utterance: That's.

utterance: It sound like me.

utterance: OK, Mr. Grayson. I've gone ahead and processed that loan application through our system for an SBA five oh four loan. we're going to need some additional supporting business documents from you. So as soon as you get those back to us we'll be able to complete this loan application. first of all, you can send it through fax, email, or you can send it through the mail. But the quickest way we can get it is through fax. We'll send that information in your email address on file. And we'll also send you some documents through your home through your business address that you requested, sir.

utterance: sounds good.

utterance: OK, and as soon as you get back to us, we'll get back to you with the results of your application, sir.

utterance: All right, thank you.

utterance: All right. Thank you as well, Mr. Grayson. Is there anything else I can do for you?

utterance: that's it.

utterance: All right, sir. I hope you enjoy the rest of your day. And again, my name is Cassandra.

utterance: You have a good one.

utterance: Thank you, sir. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Stephen. How can I assist you this afternoon?

utterance: I need to get a copy of my checking account statement.

utterance: All right, Sir. I can certainly help with that. I just need a little bit of information from you real quick. Can I have your name and date of birth, please?

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

utterance: My date of birth is May twelfth, nineteen sixty.

utterance: All right, Sir. And your security PIN number?

utterance: One zero six two.

utterance: All right, thank you very much for verifying that information for me, Mr. Thomas. And then, what is the account number for the checking account you were needing the statement for?

utterance: on second thought, I want my loan statement instead.

utterance: Oh, OK, well that's no problem. gimme just one second to switch this.

utterance: OK, and so can I have the account number of the loan that you are needing the statement for?

utterance: OK, let me get it.

utterance: No problem, just let me know when you're ready.

utterance: OK, I've got it.

utterance: All right, Sir, whenever you're ready, if you can read that loan number to me.

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

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

utterance: That's correct.

utterance: Great.

utterance: And then, how would you like the statement to be delivered to you? Would you like that emailed or mailed through the mail, or the physical paper copy?

utterance: let's do both if you can.

utterance: All right. I can certainly do that. let me go ahead and get the email address from you first. What's email address would you like that delivered to?

utterance: Thomas Customs at Gmail dot com.

utterance: All right, and are there any other email addresses that you need it sent to?

utterance: yes, Crystal underscore Thomas Customs at Gmail dot com.

utterance: OK, and are there any others?

utterance: that'd be all.

utterance: OK, great.

utterance: And, then the mailing addresses that you would need that sent to?

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

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

utterance: Yes, that's right.

utterance: Great. And do you need that mailed to any additional addresses?

utterance: yeah, you can actually send it to my home address.

utterance: OK, and what is that address?

utterance: Thirty-six Edgemont Lane, Canyon Country, California, nine one three eight seven.

utterance: All right, that's thirty-six Edgemont Lane, and that is also in Canyon Country, California, the ZIP code nine one three eight seven, is that correct?

utterance: That's correct.

utterance: All right great. So, I've got that statement processed and you should receive the email to those inboxes within the next thirty minutes, and the mailed paper copies should arrive within three to five business days, so do just keep an eye out for those.

utterance: All right, sounds fantastic. You having a good day so far?

utterance: Yes, Sir. My day is going pretty good. nothing major's been going on today, so that's always nice.

utterance: That's great.

utterance: How's your day been?

utterance: It's been going pretty good.

utterance: Well, that's very nice to hear.

utterance: And, can I interest you at all in information about our online banking service, we're, which would allow you to view or download your statements at your own convenience in the future?

utterance: I yeah, that'd be something I'm interested in.

utterance: All right, well yes, we do offer that as a free service to our customers, and I greatly encourage all of our customers to take advantage of it. besides just being able to see your statements and download them, you can also manage most any other aspect of your account through the online banking portal. basically, anything that you could do by calling here at the call center, you can do at your own convenience, twenty-four hours a day, seven days a week.

utterance: Wow. is that something you could set me up with today?

utterance: It certainly is. And gimme me just one moment to switch over to that screen.

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

utterance: Thomas Customs at Gmail dot com.

utterance: Great. And so, I am going to send an email to that address. You should receive that here in the next two to three minutes.

utterance: And, there will be a link inside of that email, and when you click on that link, it will take you to a page with your user name listed on it. And it will then ask you to create a unique password for your account.

utterance: And once you've done that it will take you on to finalizing the setup process.

utterance: OK, that sounds easy.

utterance: Yes, Sir.

utterance: And is there anything else that I can assist with today, Mr. Thomas?

utterance: I don't believe so.

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

utterance: All right. Thank you.

utterance: Thank you. Goodbye.


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

utterance: Yes, Jerry. I got a notice in the mail about interest rates being lower than they've ever been. Can you tell me about it?

utterance: Sure. I'll be happy to help you with that. And I'll just need to pull up the account to see what exactly it is that we sent you. If I could just ask, ma'am, what is your first and last name?

utterance: Evelyn Richards.

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

utterance: Jones Bed and Bath.

utterance: OK. And, Miss Richards, I'm gonna ask you a few questions because, here at Intellibank, we do take your account security very seriously. And it is for your and your business's protection. Is it OK if I ask you a few questions in order to verify your account?

utterance: It's just fine.

utterance: All right. Thank you for that. And, Miss Richards, if I could ask, what is the business address that you have with us?

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

utterance: Thank you for that. And, Miss Richards, if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

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

utterance: It's let's see. It's nine eight four six fifty-nine.

utterance: And, Miss Richards, last question here. What is the PIN number for your account?

utterance: One zero one seven.

utterance: Thank you for that, Miss Richards. And let me see if I can get your account pulled up here.

utterance: How you going today, by the way?

utterance: Oh, well, thank you for asking, Miss Richards. I'm doing terrific. It's been quite a busy day, but it's always fun talking to great customer like yourself.

utterance: Well, thank you. I'm having a good day too. So it's been sunshiny. The first part of the weekend was a little. it's been raining a little bit today.

utterance: Oh, well, I guess we all. We always need the rain. you know, the farmers, I'm sure, would appreciate it. and, you know, with all the issues with food and issues at the grocery stores with supplies, the more rain the better, I guess, for the farmers. Right?

utterance: You're right. And there's no complaints. It's just a little rainy. But, no, no. You're right.

utterance: And of course, Miss Richards, we I was able to go ahead and pull up your account. And, yes, you're correct, Miss Richards. you, of course, did receive a notice that we sent you. What we were doing was informing you that, indeed, we do have some terrific interest rates that we're offering. As a matter of fact, they're the lowest ever right now, beginning at five percent for our real estate loans that we offer. And we wanted to just inform you of the terrific interest rates that we have available in case you're ever in need of a real estate loan for a new property or, frankly, even for your current property that you have now with us.

utterance: Well, good. I do like having gotten this information. what is my real estate loan balance?

utterance: Yes, well, yes, ma'am. On your account, your real estate loan balance is seven hundred and fifty thousand dollars. that is your current balance with us.

utterance: OK, seven hundred and fifty thousand dollars. And OK. Because it looks like the rate that you're. That you mention is lower than my current rate. So, you know, maybe at some time, I might consider some type refinance. Excuse me.

utterance: Yes, ma'am. You're right. correct. right now, the rates are as low as five percent. And your current interest rate is at about eight point seven five percent. that's what your current rate is. So if you are able to qualify your business, that is, you'd be able to lower that rate by around three point seven five percent.

utterance: That is great. I I don't have time right now to do this, but I definitely will be looking into it.

utterance: Well, it's not a problem at all. We just wanted to inform you of those rates that are available to you, Miss Richardson. We're available at any time, clearly, that you can reach out to us here at the help line or even online. so anytime if you want to begin that process, we'd be happy to see if we can lower that interest rate for you if you wanted to refinance your current loan or, for that matter, even get a new loan if that's something that you need in the future.

utterance: Absolutely. I appreciate that.

utterance: Is there anything else I could assist you with?

utterance: No, not right now.

utterance: All right. Well, Miss Richards, we certainly appreciate you giving us a call, and you have a great rest of your day.

utterance: You as well.

utterance: Bye, bye.

utterance: Bye.


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

utterance: yes I received a letter in the mail and it said something about a. A tax specialist. I was wondering if you can help me with that.

utterance: yes sir. So as you know, tax season is coming up on us and so we sent out information to our clients, to let them know about our tax specialist services that we have here. we have got accountants and tax accountants and tax lawyers who are here ready to help you prepare and file your taxes for your business. and so we were just setting those off so that everybody was aware of that, kind of as a general reminder that we are always here to help. And we would just set up an appointment for you if that's something that you're interested in.

utterance: yeah. I think I'd be interested in that.

utterance: OK, well that's great. let me go ahead and get a little information from you and then we can set that appointment up. Can I have your name please?

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

utterance: Thank you. And your date of birth Mr. Thomas.

utterance: May twelfth, nineteen sixty.

utterance: And your security PIN number?

utterance: One zero six two.

utterance: All right, thank you very much for verifying that information. And OK, so we're wanting to do an appointment with a tax specialist, correct?

utterance: Correct.

utterance: All right, and what date would you like to have that appointment on?

utterance: is anything open for next Thursday?

utterance: let me check. Yes. Yes I do have some appointments open on next Thursday. would you like to do it online or in person?

utterance: online.

utterance: OK. looks like I have got at eleven thirty in the morning and then a two thirty two forty-five and a three fifteen in the afternoon. Do any of those work for you?

utterance: two thirty sounds good.

utterance: OK, great. So let me just get that set up. All right, and then can you confirm your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: Great. And so you'll receive an email to that address the day before your appointment, and it will have a link to take you to the secure browser, where that appointment we took will take place. And we do advise that you have a webcam connected to whichever device you are joining from. I just know it's not required, it does just make things easier in general. And then that email will also outline any documents that you might need to bring to the appointment.

utterance: That. That sounds great.

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

utterance: can you tell me what other services that you might offer.

utterance: Certainly. So, we have got on our products, we offer three different tiers of business credit cards. We have two types of business checking accounts. A savings account, an investment wealth management account and a variety of different types of loans. And then the services side, we offer online banking, and then we have out tax specialists as well as risk assessment specialists, financial advisors investment specialists and then we also have a number of notaries that are available for our customers.

utterance: OK, yeah. That sounds great. I may be interested in your wealth investment account. do you have any information that you could send me?

utterance: I certainly do. Let me. I will send that information to the email address that you provided me earlier. And then I also encourage you to go to our website. and at the top there'll be a bunch of different categories, and if you look at the investment category and and go down to the wealth management account, it can give you a much more detailed overview of that account, and all the up to date documentation should be included on that page.

utterance: All right, that sounds great. How's the weather been doing where you're at?

utterance: it's been a little chilly, but other than that it's been pretty good. How about where you are?

utterance: Oh, not too bad. It's been a little cool but having a pretty good day?

utterance: Yes sir, my day's been going quite well. Has your day been all right?

utterance: Yeah, not too bad.

utterance: That's great. All right, well is there anything else I can assist you with Mr. Thomas?

utterance: I can't think of anything.

utterance: OK well I once again would like to thank you for calling Intellibank and if you have any further questions or concerns, feel free to give us a call back here at the call center and one of our agents will gladly assist you.

utterance: OK, I do appreciate it.

utterance: Thank you sir. Have a good day.

utterance: All right, thank you.

utterance: Goodbye.


utterance: Thank you for calling Intellibank via your customers, Mrs. Splendor how may I help you?

utterance: Yes I need to pay an invoice for my business.

utterance: OK I can do that for you, who are my speaking with today?

utterance: It's Jill Baker.

utterance: Thank you and do you prefer that I call you Jill or Ms. Baker?

utterance: It doesn't matter you can call me Jill.

utterance: All right Jill, so you are needed to pay an invoice sent to your business is that correct?

utterance: Yes, that's right.

utterance: OK. Is the other business a customer of Intellibank as well?

utterance: No, they're with US Bank, no I'm not really sure what I need to do.

utterance: OK what we can do is we can make a wire transfer to the US Bank account to pay that invoice for you, for you if you have that account number.

utterance: do you happen to have the account number for them?

utterance: Yes I do.

utterance: OK. Let me get some information from you first First of of, what is your business account number?

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

utterance: Thank you for that information Jill and is this the account that you want the funds withdrawn from?

utterance: Yes that's correct.

utterance: Ok, and what is the name of the business?

utterance: It's Johnson controls.

utterance: All right, Jill, and what is your date of birth?

utterance: It's March second of nineteen eighty.

utterance: Ok, and your account has a four digit pin number on it, could you share that pin number with me as well? It's your security code.

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

utterance: All right, thank you. I do have your account up, can you tell me, what is the name of the business I will be transferring to?

utterance: The name of the business is Jackson's wine and spirits.

utterance: Ok, and do you happen to know the routing number for their US bank account.

utterance: I do, it's three eight two nine two zero zero zero.

utterance: Ok, and what is the account number for them?

utterance: Real quick here, does it cost me anything to do a wire transfer and can I send it out with the payment, so they know what I'm paying it for?

utterance: So no Jill, there is no charge for wire transfer, I mean, we can send an email to the account along with that payment to to go ahead and add that note to the account so they know what that payment's coming in for.

utterance: Oh okay then, thank you. So the account number is, two seven three nine nine two zero nine.

utterance: Ok, thank you for that information. and how much money were you wanting to transfer for that invoice?

utterance: I need to send them five thousand nine hundred Dollars.

utterance: All right. And what did you want me to put in that email that we sent to them with this transfer?

utterance: Can you tell them it's just for the widgets we ordered on October second.

utterance: Yeah OK, I'm gonna send this email with that transfer, give me just a moment to get all of these process for you OK?

utterance: All right.

utterance: OK, so I have that balance transferred for you. Was there anything else I could do for you today?

utterance: Actually, so there was, while, while I have you on the phone, is there a way to get my bank statement emailed to me every month? You, you always mail them to me but it's always a lot easier for me just to get an email, that's possible?

utterance: OK Jill, so we don't actually email bank statements, but you did mention that you had online banking is that correct?

utterance: Yes I do.

utterance: OK.

utterance: So what I can do for you is, I can set up email alerts and what that will do is, it will email you an alert basically notifying you when your monthly statement is available through your online banking and then you just have to go log in to your online banking and you can download your statements from there. Will that work for you?

utterance: Yeah, that'll be great.

utterance: OK Jill so, it looks like you already have an email on the account. It looks like that email is V as in Victor Pearse and Paul Baker B A K E R at Johnson Controls dot com. Is that correct?

utterance: Yes, that's right.

utterance: OK. Let me get this set up for you. OK so what will happen is you will receive an email usually our statements post at the end of the month so it'll close I'm sorry at the end of the month and then usually posts on like the first or second of the following month. So usually on that first day of the month, you will receive email from Intellibank, and they'll just be notifying you that your current statement is available through your online banking and then once you go in to your online banking account. You'll login as normal I mean you'll choose the tab at the top that says statements and notifications and from there you'll just select the periods that you want. Its should keep them as far back as a year. It keeps usually twelve months of statements available online for you to print off. if you need anything that's beyond that or anything that's past that twelve months. You can give us a call back here in Intellibank and will get that done for you. OK?

utterance: OK thank you.

utterance: All right, so I got that statements statement alert set up for you, we got that transfer made. Was there anything else that I could do for you today? Oh also too let me ask you yeah also as well, did you want me to cancel that paper statement that your receiving or do you wanna continue to get that?

utterance: No I don't need the paper statement anymore.

utterance: OK let me get that canceled for you as well all right I've got that canceled as well, was there anything else that I could do to assist you today?

utterance: No, I think that's everything, thank you.

utterance: All right Jill, well thank you for tuning Intellibank, do enjoy your day OK?


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

utterance: Oh I certainly hope so Matthew. I have quite the ordeal that I'm going through. I long story short I need to cancel a check.

utterance: OK, no problem.

utterance: My kid got a hold of the checkbook. Wrote himself a check. I gotta cancel this thing before it's too late.

utterance: Oh my goodness yes absolutely. Can you please give me your last name and we'll look it up?

utterance: yeah it's Hays.

utterance: OK that's H A Y S?

utterance: Yes.

utterance: OK can I please get the first name as it appears on your account?

utterance: yes it's Lee. L E E.

utterance: OK. Thank you Mr. Hayes. Can I please get your PIN number for this account?

utterance: Oh sure. It is seven, nine, two, three.

utterance: Perfect.

utterance: And he just walked out the door with it. And he I I caught him in the act of writing this thing. And he just left so there's no possible way he's been able to cash it yet.

utterance: OK great. I just have one more security question then we'll take care of this. just can you please confirm your date of birth and then we'll be on our way.

utterance: Sure.

utterance: Absolutely. It's three, seven, eighty-four.

utterance: Perfect, thank you Mr. Hays. OK.

utterance: Yeah he's he's a junior, he's Lee Hays Junior. So my big concern is if he gets to the bank he has an ID that matches the check.

utterance: OK.

utterance: So we gotta get this thing canceled.

utterance: Yeah without a doubt. So can you please give me the check number that for the check that he wrote?

utterance: Twenty-six.

utterance: Number twenty-six. Excellent.

utterance: Yep. I'm

utterance: Staring at twenty-seven right here.

utterance: OK great. Do you have any idea how much the amount was that he wrote?

utterance: A thousand dollars.

utterance: OK. Thousand dollars.

utterance: I got one of those checkbooks that leaves behind the the indention.

utterance: Oh great.

utterance: So you can see the other thing.

utterance: Perfect. OK, great.

utterance: Glad I spent the extra money now.

utterance: Absolutely. That's a a wise move. so OK I've already canceled that check. Very simple. Even though he has the same name as you it's impossible for him to use this check.

utterance: Really?

utterance: Absolutely. It is now officially listed as canceled. He didn't already deposit it I can see that. So we've beat it. We've beat him to it.

utterance: Now do you think I should call the police?

utterance: I mean that is entirely up to you. It depends on how your relationship is with him and if he's done this in the past. If you think he's gonna be a problem again.

utterance: No.

utterance: Well I'd like him to learn a lesson. I. Obviously, he's not learning lessons here.

utterance: I mean that is entirely up to you Mr. Hayes on how you would feel you need to address this issue. You know. Of course calling the police about things that are not urgent. Or that are like for.

utterance: Well it's not like I'm gonna call nine one one.

utterance: Right.

utterance: I would call. I would just call this like a detective I would call down the. Look I I. He's probably on his way down to the bank right now. He doesn't have a car. I can probably get in my car and beat him down there.

utterance: Yeah. You can do that and you know if you do want to teach him a lesson by all means it it you know it's totally up to you and and how you feel as a parent you and what you need to do. But as far as Intellibank and our commitment to you just be. Rest assured that your money is safe with us and even if your son did try to ever make a transaction without your approval we do have security measurements in place and we know that you are the account holder and he is not. So please rest assured in that.

utterance: Yeah I I kinda want you as my son to be completely honest. Huh? taking care of me, looking out for my accounts.

utterance: Well thank you sir that's very nice of you to say. But you know we we do hope you feel like we're family here at Intellibank. So anyway we can help please feel free to call us again. And if this happens again in the future please let us know. If you would like to file some sort of note in your account so that there's an extra security measure I can send you to the security department.

utterance: Nah, that's OK. You've you've been helpful I don't want to want to keep you any longer. I'm gonna head on down to the bank but thank you. I really appreciate this.

utterance: OK.

utterance: No problem sir. check number.

utterance: Twenty-six.

utterance: Twenty-six is is canceled. And and that's not gonna be a problem.

utterance: Great.

utterance: Excellent.

utterance: Thank you.

utterance: You're welcome. Have a great day.

utterance: You too. Bye.

utterance: Bye.