utterance: Mhm. Hello, thank you for calling Intellibank, this is Joshua, how can I help you today?

utterance: All right Joshua, how's it going?

utterance: Pretty good, how about yourself?

utterance: Good, this is Timmy Johnson and my account number is seven eight five one two four eight.

utterance: Oh,

utterance: Hey Timmy, I just I just need your reason why you're calling for now. What what what what what did you give us a call here at Intellibank for today?

utterance: Oh, I wanna do a couple of things. I got married so I wanna add my wife to my account and we're gonna start a business we're gonna get a small business loan please.

utterance: You got it, you got it

utterance: Her name is Trixie.

utterance: so so I let's just just bear with me.

utterance: Johnson.

utterance: Oh.

utterance: You wanna add a user first?

utterance: Yeah, her, yeah, Trixie Johnson.

utterance: Let's do that. first I need your first and last name.

utterance: Oh, Timmy Johnson, Timmy and Trixie.

utterance: And your date of birth?

utterance: Eleven eleven seventy-eight.

utterance: OK, your PIN number?

utterance: Oh, for what? This this bank?

utterance: yes, Sir, to the account that you're adding the user to.

utterance: Oh, three three two three.

utterance: Two three what is the account number?

utterance: The account number is one seven two five eight eight two.

utterance: All right. So I need the new user's first name, last name?

utterance: Trixie and she was

utterance: Born on December eleventh .

utterance: I all I need is her first name, last name and her address.

utterance: Oh, I see. Well, again, Trixie Johnson and the address is seven zero zero Sunset Boulevard, nine zero one two eight.

utterance: West Hollywood, California?

utterance: That's correct.

utterance: Nine one six oh two and her social security number?

utterance: Mm.

utterance: Let me put you on hold and go grab that.

utterance: Yeah for sure.

utterance: OK. That is three three eight one one nine seven seven nine.

utterance: All right. And a state issued ID number for her like her driver's license number?

utterance: Yeah, California issued seven two eight eight nine.

utterance: email address she's a new user so did you wanna have the email for her account like her email address associated with it?

utterance: Well, we have a joint email Timmy and Trixie Johnson at Gmail dot com.

utterance: and her date of birth?

utterance: twelve eleven eighty.

utterance: Would you like to set up a unique number for her or keep it the same as . Got it. All right. Well I have successfully added your wife's name as a user to that account. You're ready to go and it looks like that's checking account.

utterance: The same please.

utterance: Oh, that's great.

utterance: You wanted to apply for a SPA five oh four or, .

utterance: The five oh four one please.

utterance: I I can get that going for you.

utterance: It's for a dog grooming business.

utterance: Lovely, I there's gonna be some duplicate info just bear with me sir, it's just gonna take me through the prompts here on on my my screen.

utterance: Mhm.

utterance: address, is that?

utterance: The the Sunset address please.

utterance: All right. Your social?

utterance: three three five one one nine nine eight seven.

utterance: Your ID number?

utterance: My ID number? Oh, it's California issued three two eight nine seven two one.

utterance: Great. You wanna keep the PIN the same?

utterance: yes please.

utterance: The email the same, that joint email you gave me?

utterance: yes please, Trixie and Timmy and Trixie.

utterance: What's the name of the business?

utterance: Timmy and Trixie's Dogs.

utterance: Timmy and Trixie's Dogs. Date the business was established?

utterance: We just started it, so last week twenty twenty-one.

utterance: Congratulations.

utterance: Well thank you so much.

utterance: Yes, Sir.

utterance: We got married and started the business on the same day.

utterance: Amazing.

utterance: Yeah, it is.

utterance: That's like you know that's that's what it's all about. gross annual sales?

utterance: gross annual sale, well we you know we just started this so we don't have any sales yet.

utterance: OK do you have an estimate, maybe?

utterance: Well, we've already got some potential people lined up you know, some dogs so you know, it it's already moving right along. So I think our goal is ten grand by the end of the year.

utterance: Ten thousand dollars. Tax ID number?

utterance: One eight five two eight seven two.

utterance: Business address and mailing address?

utterance: the Sunset Boulevard.

utterance: What's the purpose of the loan?

utterance: to just get started, to get rolling. bus- business expansion. That's right, yeah we're gonna

utterance: Business starter.

utterance: I'll put start-up costs.

utterance: Please.

utterance: loan amount you're seeking?

utterance: Ten grand and I can put down ten percent or we can put our car up.

utterance: I'll put down ten percent here. All right. So I have processed that loan request. You will receive the status update of of it three to five business days from now via email. For the amount and whether it's approved or not OK?

utterance: OK great. Thanks.

utterance: Is that it?

utterance: That's it.

utterance: Thank you so much. Have a great evening and for choosing Intellibank. .


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes. Hey. I I want to apply for an SBA BA Seven A loan.

utterance: Oh, absolutely. I'm glad to be able to assist you with that and if I could just ask what's your first and last name, ma'am?

utterance: Evelou Richards.

utterance: And do you and your business have an account with us?

utterance: Yes.

utterance: All right. What's the name of your business?

utterance: Jones Bed and Bath.

utterance: Fantastic and you said you wanted to apply for SBA Seven A loan with us?

utterance: Yes.

utterance: OK. I'll be happy to assist you with that. I'll just need to ask a few questions in order to begin the process with you. First I'll need to verify your account for security purposes. what's your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And what is your phone number?

utterance: Phone number is six seven eight two zero two forty-two fifty-three.

utterance: Awesome. And what is your bank account number with us?

utterance: can you hold on for just a moment?

utterance: Sure.

utterance: All right. Just a second. All right. It's nine eight four six five nine one.

utterance: OK. And what is your pin number Ms. Richards?

utterance: Pin number is one zero seven four.

utterance: OK. And yes ma'am, I've gone ahead and pulled up your information and what I'll do at your request here is go ahead and begin the process for the SBA Seven A loan application. Is that OK?

utterance: Yeah, that's great.

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

utterance: The business address. One oh seven five Leylands Court, Smyrna, Georgia. Three zero zero zero two.

utterance: OK and what is your personal address?

utterance: Personal address is one forty-one Oakwood Avenue, Smyrna, Georgia, three zero zero eight zero.

utterance: And what's your social security number?

utterance: It's two three five zero six eight two six eight.

utterance: And what is your tax ID number.

utterance: Tax ID is seven thirty-one six ninety-five eight twenty-two.

utterance: And what is your business email address?

utterance: It is E dot Richards at Jones B B dot com.

utterance: And what is your personal email address?

utterance: E dot Richards at mail dot net.

utterance: Thank you for that Ms. Richards and again, I appreciate your patience. because obviously this is a business SBA loan backed by the federal government, we have to ask quite a bit of information in order to ensure that we have a thorough loan application because it's being underwritten by us but backed by the federal government. So that's part of why we have all of these questions and we certainly appreciate your patience during the process.

utterance: OK. Well I appreciate that. I I was just enjoying the game. I was looking at the Lakers and Clippers. It was a really good game. I was so happy that the Clippers won.

utterance: the Clippers or was is the Suns?

utterance: Oh, the Suns. I'm sorry.

utterance: well I mean I I guess anyone better than the Lakers I suppose.

utterance: Yeah. I I really was happy. It was a good game and I'm just enjoying all of it but yeah that was who I was rooting fot.

utterance: Well I'm glad that that you got the outcome you were looking for in the game there Ms. Richards.

utterance: Thank you.

utterance: And just to kinda continue here what is the purpose of your loan?

utterance: I want to get some equipment for my business.

utterance: Understand and how do you look to or what type of collateral will you be using for this?

utterance: I'm just going to be using property.

utterance: All right and what's the term of the loan?

utterance: The term of the loan is sixty months.

utterance: And with that being the case is your business address the same as your mailing address?

utterance: Yes.

utterance: All right and what is your gross annual sales?

utterance: Gross annual sales about twenty-three million.

utterance: And what's the down payment for the loan?

utterance: Fifteen per cent.

utterance: OK and what should we get you approved, what is the bank routing number that you want the funds deposited into. The funding routing number.

utterance: It's three two eight one seventy-four.

utterance: And what is the funding account number that you want funds transferred into?

utterance: Six one zero four nine one.

utterance: Terrific. And with that being the case Let me see here. I want to be sure I have everything here. what's your driver's license number?

utterance: OK, it's zero six two four eight seven one two.

utterance: And what state is that in?

utterance: Georgia.

utterance: And what year was your business established?

utterance: September the fifth nineteen eighty-four.

utterance: Fantastic. And Ms. Richards, I think we're just about done here and by the way, oh yeah, of course are you the sole owner of your business?

utterance: no I'm not.

utterance: Oh, OK. Not a problem at all. And do you who else would be applying for the loan? Is it another person or is it several other.

utterance: No. It was just myself.

utterance: OK, but you said that you aren't the sole owner of the business?

utterance: No, I'm not.

utterance: OK, so how it would work, we would of course need to know who are the other applicants who are actual owners of the business for the loan.

utterance: well the other owner is Josh Davis.

utterance: oh, OK. Josh Davis. And with Mr. Davis, I'll just need to ask a few questions about him. Do you have his social security number?

utterance: I don't have that.

utterance: OK. I'll be glad to hold while you go grab it.

utterance: I don't have it at all.

utterance: Oh, OK. Well, that's understandable. Just so that you know Ms. Richards. By the way, what was the amount of the loan that you were looking for?

utterance: I was looking for about thirty million. Three million. I'm sorry. Three million. I'm sorry. I guess I was thinking about a bigger number. .

utterance: OK, sure.

utterance: OK, sure. with the loan we won't be able to actually process your loan application because we would need both of the owners' information so what I would advise you do is have him call in or you can call in with his information. but what I will say is is we do have your account information stored on file and so when you call in, we can simply pick up where you left off. and by the way you can also complete the loan application online. Either sending it to him because you both have access to your business account. And you can have him complete that online or you can and it will still get through to our credit department for them to begin reviewing your SBA Seven A loan application.

utterance: Well that's good. I I am glad that you could save the information and I'll get the other information on the other owner, so that we can finish it.

utterance: Absolutely, yes ma'am. That's why I went ahead and continued on with the process so that we can get as much information already stored into your account and we'll go from there. Well if that's all. Is there anything else I can help you with?

utterance: No.

utterance: Ms. Richards, I certainly appreciate your patience and thanks for giving us a call today.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Hello, thank you for calling Intellibank, this is Channing. How can I help you today?

utterance: Hey Channing, I wanted to get a quick liquidity loan.

utterance: A quick liquidity loan? Are you looking for the quick liquidity ratio?

utterance: Oh.

utterance: Gee, you're right, I'm looking for the quick liquidity ratio. Thank you for that,, haven't had any coffee today, and I'm just so exhausted, I I really should grab a tea, or a coffee, or something. Do you like coffee?

utterance: Oh.

utterance: I do actually, I have it every morning.

utterance: Oh you have it every morning. How do you take it?

utterance: I'm a cold brew guy.

utterance: Mm, I am also a cold brew person Yeah.

utterance: Mhm.

utterance: Nice, nice, well it's OK, common mistake, you're looking for the quick liquidity ratio.

utterance: Yep, you bet.

utterance: And we can pull that up for you in just a brief moments of phone time, if you wanna to just let me walk you through that.

utterance: Great, sounds good.

utterance: OK, good, good, good, good. First I need your first and last name.

utterance: First name is Paper, last name is Paper.

utterance: All right, your date of birth?

utterance: Date of birth is one three forty two.

utterance: OK, your PIN number?

utterance: PIN number, one two three four five.

utterance: OK. I need the time period that I'm looking for this ratio in.

utterance: Time period, yeah, sure, let's do the last quarter.

utterance: The last quarter it is.

utterance: Mhm.

utterance: All right, I'm gonna process that request now. Like I said, it will take a few minutes as the system searches for that, and figures out the ratio for the last quarter in that time. If you need anything else, you just let me know.

utterance: Mhm.

utterance: All right. Yeah. No problem.

utterance: Mhm.

utterance: All right.

utterance: I just wanna make sure I've got this, can I get your date of birth and PIN number?

utterance: yeah, date of birth is three three forty two. PIN number is one two three four.

utterance: OK, yes, yes, just confirming.

utterance: Mhm.

utterance: That I did get those numbers all right, right that's correct.

utterance: So while I'm waiting for that ratio, do you have any pets?

utterance: I have three cats, and one turtle.

utterance: Three cats and one turtle?

utterance: Uh-huh.

utterance: Gee-whiz, what's the turtle's name?

utterance: The turtle's name, ironically, is Cat.

utterance: That's what I would name a turtle, absolutely.

utterance: Yes.

utterance: I like to confuse the pets.

utterance: You know what, psychological warfare, that's how you keep them in check.

utterance: A little extreme, I'd describe it, but the cats they, sorry, now I've got myself confused now, the turtle's name is Cat. And the turtles' names are not that you asked, but would you like to know?

utterance: I would love to know.

utterance: OK

utterance: Well the turtle's names are Tony.

utterance: Toby, and Coby.

utterance: Oh, you you decided to go away from the T's, yeah?

utterance: Well, Tony Turtle, Toby Turtle, and Coby Turtle.

utterance: Oh, OK.

utterance: Uh-huh.

utterance: Oh, Tony Tony.

utterance: Toby.

utterance: Toby.

utterance: And Coby.

utterance: And Coby, OK, yeah.

utterance: Yes, yes, yes.

utterance: You didn't wanna stick with the T's?

utterance: You mean for Coby?

utterance: Yeah for Coby. .

utterance: I I felt.

utterance: That the rhyme was enough.

utterance: I . You're right. The rhyme was.

utterance: Yeah.

utterance: Yeah and I'm kind of .

utterance: Want him to be a bridge to my next pet, cuz I'm gonna get an alpaca.

utterance: Oh.

utterance: what are you gonna name the alpaca?

utterance: Roby.

utterance: Roby, I see, well, so you're gonna have a farm?

utterance: Am I going to have a farm?

utterance: Are you gonna have a, you're building a farm, clearly.

utterance: This is all ironically in my one bedroom apartment in Van Nuys.

utterance: Well, that's concerning, gotta say.

utterance: My mother says the same thing.

utterance: And you live with your mother.

utterance: No, no, she calls every weekend.

utterance: Oh.

utterance: She actually likes to talk with the turtles on the phone.

utterance: Oh do they, they communicate, all right, well.

utterance: To her, they do.

utterance: That's a special, intimate bond.

utterance: They actually have their issues.

utterance: They don't get along?

utterance: they like, they have their issues, issues with me. They seem to bond about.

utterance: Oh they bond better with your mother, OK, I understand.

utterance: Anyway, I've taken enough of your time. I'm sorry. I have the ratio ready.

utterance: Oh.

utterance: You have the You've had it this whole time.

utterance: Yeah.

utterance: Yes the. No it just came up. I'm I'm sorry. The quick liquidity ratio is point four one.

utterance: OK.

utterance: Uh-huh.

utterance: Point four one, okay, great, yeah, that's that's all I really needed to know. I've been trying to get that ratio for a while, so thank you for your help.

utterance: You got it, anything else I can help you with tonight?

utterance: You know what, that's gonna be it.

utterance: All right, well thank you for calling Intellibank and inquiring about my pets.

utterance: It was my pleasure.

utterance: You have a great rest of your night.

utterance: You to.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes. I need to make a credit card payment please.

utterance: OK. Are you an account holder here?

utterance: Yes I am.

utterance: All right. Let's bring your information up so we I can help you with that. Can I have your first and last name please?

utterance: Tammy Couch.

utterance: Can you spell your last name?

utterance: It's C O U C H.

utterance: And your date of birth?

utterance: May ninth nineteen sixty.

utterance: Thank you. And your address please.

utterance: One eight three five Rice Boulevard. And that's in Fairborn Ohio. Four five three two four.

utterance: Can you spell the city?

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

utterance: OK. And your or your social security number please.

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

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

utterance: let me get that. Hold on a minute.

utterance: OK.

utterance: OK. It is S like Sam T like Tom two eight zero eight eight one.

utterance: And your issue oh state of issuance.

utterance: Ohio.

utterance: OK great. And then I need your business phone number please.

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

utterance: OK. And then your customer PIN?

utterance: It's five seven zero seven seven one.

utterance: Great. Thank you. And just to confirm, it looks like your business name is Brazen Chain?

utterance: That's correct.

utterance: And you're the sole owner.

utterance: Yes.

utterance: Could you give me the establish date please?

utterance: January first twenty twenty.

utterance: OK great. And your tax ID.

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

utterance: Great. And what can I help you with again today?

utterance: I need to pay my credit card.

utterance: Oh.

utterance: That's right. Let me give you the credit card balances that we have here on file for you at this bank.

utterance: OK.

utterance: OK. So it looks like the gold card balance is twenty-five thousand two hundred dollars.

utterance: OK. .

utterance: And the silver card balance is one hundred and twenty thousand seven hundred and ten dollars. which bank account. Which credit card were account were you gonna pay with?

utterance: I wanna.

utterance: The

utterance: Gold or the silver?

utterance: I wanna pay the gold.

utterance: You wanna pay the gold. OK. And you have an account number and routing number to pay that with from another bank?

utterance: Yeah from Chase.

utterance: OK. So go ahead and give me that account number.

utterance: I'll have to get my checkbook. Just a minute.

utterance: OK.

utterance: OK. I I have it now.

utterance: OK. I'm ready.

utterance: It is four three zero four two seven five.

utterance: OK. Thank you. And the routing number?

utterance: It is two one three nine eight and I can't read this last number.

utterance: Oh no. OK. What date did you want the payments to start on?

utterance: Well I just wanna make a one time payment. Of five thousand dollars.

utterance: OK. Well I I really do need that routing number. Is there any other way you can get it? Is there some other place in your house that you can look?

utterance: I might have to call Chase and see what it is.

utterance: Yeah. If you don't have it unfortunately I I'm not able to make the payment for you because it doesn't the computer's not able to figure out which bank you want it to go to.

utterance: OK.

utterance: Is there any other payment that I can make for you?

utterance: Not today I'm. I just need to get that routing number.

utterance: Did you know that you can make payment plans on the accounts that you have here to stagger your payments?

utterance: OK.

utterance: Were you aware of that feature?

utterance: No I wasn't.

utterance: OK. Well it's an account feature that allows you to pay the gold card on one date of the month and the silver card on a different date of the month. That way you're not paying two payments on the same date.

utterance: OK.

utterance: Does that sound like something you'd be interested in?

utterance: Are there automatic payments?

utterance: Yeah the. It would be set up on automatic on the dates that you choose.

utterance: Yeah. I'd like to do that.

utterance: OK. If you give me dates for the gold and silver card I can go ahead and set that up while you're on the phone.

utterance: For the gold I'd like like it to be the eighth of the month.

utterance: OK. And the silver card?

utterance: About the twenty-fifth.

utterance: We can do that. All right. I have that set up for you. So every month the gold card payment will be taken out on the eighth of the month and every month the silver card payment will be taken out on the twenty-fifth.

utterance: OK.

utterance: Does that sound good to you?

utterance: Yes.

utterance: All right well when you have that routing number for the other bank, for Chase, and you wanna make that payment, feel free to give us a call back and we can do that for you here.

utterance: OK.

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

utterance: Not at the moment.

utterance: All right. Well thank you for calling.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Tamer. How are you?

utterance: Good, good. How about yourself?

utterance: I dunno. I've definitely been better. My grandma just passed away.

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

utterance: Yeah, I mean she was definitely on her deathbed, so it wasn't like it didn't come as a surprise, but it was definitely, you know obviously someone dies, someone you love dies, it's a little it's a little sad, chaotic.

utterance: it's always hard to lose a loved one.

utterance: Yeah, funeral planning and all that jazz, too is gonna be put on my shoulders, so little stressed about that, so. Yeah. Have you, have you ever had a family member die or?

utterance: Yes, I've I've I've had quite a few.

utterance: Well, I'm sorry to hear that. It's no fun, no fun at all. I was actually just calling, I want to get a a treasury bond yield. Or I just want the status of that.

utterance: OK. And.

utterance: And.

utterance: Sorry, I'm I'm also gonna need checks too, so.

utterance: OK.

utterance: Yeah.

utterance: We can take care of both of those on the phone for you and and get then get you going.

utterance: OK, great. Do you, do you still use checks like

utterance: We do, we do. lemme work on that treasury bond yield for you first of all.

utterance: Mkay.

utterance: All right, now you are an existing customer with us?

utterance: Yeah, I am.

utterance: Great, that should move things right along. Could I get your first and last name to start with?

utterance: Mhm. My first name is Cruise, last name is Ellis.

utterance: All right. Cruise Ellis. And your date of birth?

utterance: I always got made fun of for having the name Cruise. Everyone would always be like Oh Cruise, are you going on a cruise for vacation socially.

utterance: Oh.

utterance: Oh, sorry to hear that.

utterance: I know, did you ever have any weird nicknames or did you get made fun of for nicknames that you had?

utterance: I did. I I I was definitely the subject of a little being picked on in school but, you know it kind of went with the territory back in the eighties.

utterance: Yeah.

utterance: Mm. Mm. Oh, I'm sorry.

utterance: It's OK, it's OK. We all we all figure out our way.

utterance: Yeah, that's true. No one's calling me Cruise anyone, making fun of me for it today, so I guess we we recovered.

utterance: Could I get your date of birth please as well?

utterance: Yeah, March third, nineteen ninety.

utterance: Mhm. And your four to eight digit PIN number?

utterance: Two two four eight three two. And then the account number is also two two four eight six.

utterance: Oh.

utterance: Don't need the. Don't need the account number but thank you so much for that PIN. That should give me access here in one moment.

utterance: OK. Mhm. I actually never even been on a cruise.

utterance: Oh. Well. I went on one, it was a short one, but not too shabby.

utterance: Oh, where to?

utterance: Was it international or national?

utterance: Was to Hawaii and back.

utterance: Oh, that's cool.

utterance: Yeah.

utterance: Do you live in California?

utterance: I do. Right on the coast here in San Diego.

utterance: Well, I'm shocked. OK. That's nice. I've always wanted to visit Hawaii. I've never had the chance.

utterance: That's OK. So this bond you're inquiring about, what's the length of time, the time period of it?

utterance: Yeah, it's actually a ten year bond.

utterance: Ten year bond? Pulling that up, pulling that up for you.

utterance: Uh-huh.

utterance: Mhm.

utterance: And looks like the treasury bond yield is five point seven percent.

utterance: OK. Five point seven. All right, that works.

utterance: Yeah.

utterance: You wanted to order those checks?

utterance: Yes yes yes, I need the checks, please. Thank you.

utterance: Great.

utterance: So do I have a lot of information already, your first and last name, your date of birth and your PIN number. But could you please provide me the address of the checks you'd like them mailed to and also if it is the same the address that would be printed on the checks.

utterance: Yeah. Mailing address is gonna be three seventeen, Rosewood Avenue Grand Haven California. Nine Zero Zero Two Six. And that is gonna be the same address. Please. And then for the for the name on the check to, it's gonna be my full name, middle name Graciela.

utterance: OK.

utterance: And then

utterance: I've got that address. And how many checks would you like to order today?

utterance: What's the, what's the highest amount I can order?

utterance: Right now, we are only issuing one thousand checks at at a time maximum.

utterance: Well, OK. Well I definitely don't need one thousand. Maybe, maybe we'll start off with Let's do one hundred.

utterance: All right, one hundred checks. I'll put that order in right now and you should receive them in the mail with five to seven business days. If you have not received them by then, give us a call back or put in a request in the contact section of Intellibank dot com.

utterance: OK.

utterance: But anything else I can help you with today?

utterance: no, I think that'll that'll do me in. Thank you so much.

utterance: All right, well thank you and enjoy the rest of your evening.

utterance: Thanks.

utterance: Bye.


utterance: Hey, good morning. This is Tom at Intellibank. How can I help you today?

utterance: Hi Tom at Intellibank. what's going on? I I I I I. Let me I've had a good year, to be honest with you, investing, and I'm looking to invest more money, so I wanna I think I'm in great standing with you guys, I I wanted to look into that. What what can you do for me?

utterance: sounds great. It's a really good plan for you to invest. all right. So, can I get your name, account number and your PIN please.

utterance: Yeah, my name is Rod Lancaster. Account number eight four zero eight zero four. PIN number is twenty-six twenty-nine.

utterance: All right. Let's just check this out. Know what, your account has an additional verification. Can you supply me with your pet's first pet's name?

utterance: Yeah, that was Spot.

utterance: Spot. All right. Great name. So investment. What we have is we have a investment specialist. We can set up an appointment.

utterance: Sure.

utterance: And, they can go over wealth management, term loans, secured loans basically any kind of type of investment you wanna make. it's it's we we'll get you with an appointment with the specialist and is there a time and date that works best for you?

utterance: date, I would say, either next Wednesday or the Thursday morning after that Wednesday.

utterance: OK. See, that'd be the thirteenth or the twentieth. OK, and mornings you're best for both times?

utterance: Yeah.

utterance: All right. Let's see what we can do. can you do nine thirty a.m.? They have that open for both dates.

utterance: Absolutely. Absolutely.

utterance: All right, and what would be your preference? we can do this on our online chat if you use the do you online bank?

utterance: I do everything online. I'm a big gamer. I Aww, that's just reminds me I gotta go get a new headset cuz I'm playing World of Warcraft against my nephew, who beats me every time. Isn't that crazy like how kids are better than adults at so many things now? Right? He makes money playing it. I don't make any money playing it.

utterance: OK.

utterance: Totally. I'm I'm back with the Pac-Man. That's my like you know, video games. I don't know what's going on with the new ones, but.

utterance: Pac-Man dude that's old school!

utterance: Old school. Wow.

utterance: Yeah. Yeah.

utterance: Hey, it's a classic.

utterance: Yeah.

utterance: all right. So, we're gonna set up this appointment for you. It's gonna be nine thirty on the thirteenth and the twentieth.

utterance: Mhm.

utterance: let's see. I'm gonna set you up with George and would you like to do this what we would do is he'll log in your account, but like ten minutes before, and then you'll get a prompt and they'll start with the chat messaging. at some point if you wanted to you know, pause that and make a another appointment, or get back on or have documents sent to you, we can get that all set up.

utterance: Yeah, I'll.

utterance: Do the check. Do they do they have voice texting on there?

utterance: They do.

utterance: Yeah, that would work. Cool. And I can I can do it all within the chat window? Like, can I can I refresh the page, or will it expire?

utterance: Oh.

utterance: Sure.

utterance: are you gonna be able to look at documents? They might wanna kinda go over some some images, some graphs and things like that?

utterance: OK.

utterance: OK. and if you wanna ever switch this over to a actually talking on the phone, that's an option as well.

utterance: Great.

utterance: So, they'll go over the wealth management, term loan, secured loan, and any other questions you have to do as far as your your banking financing so, are there any other questions?

utterance: No, I think that's it. I just really wanted to get you know, stay keep riding this investment wave and you guys have always been pretty good to me and so hopefully one of these loans works out. you know how you know what, I'll ask I'll ask the specialist. It's it's fine. Yeah, I'm just gonna take that appointment, and if you could send me a confirmation email that'd be great and that's all I really need.

utterance: OK. We'll just set that set that up. We'll do a tax reminder as well the day before, and we have a promotion that's coming up and it has to do with the holidays, so the investment banker he can go over all that with you, but I just wanna make you aware of we have something coming up. It's a pretty it's a pretty good investment plan.

utterance: OK. Great. Yeah I'll I'll I'll ask him. Oh, I gotta run, thank you so much for your help.

utterance: Yeah. No problem. Take care.

utterance: Bye bye.


utterance: Intellibank this is Julie, how can I help you?

utterance: Hey Julie, how are you today?

utterance: I'm doing pretty well, how about yourself?

utterance: I'm doing really good let me rephrase that. I'm looking to be doing better, I've been having a lot of problems with my current bank that I do business with for my business and I've heard great things about Intellibank and looking to make a switch. So I wanted to find out exactly what is like my the requirements I need for to open a business account at your bank.

utterance: Well you definitely made the right choice. Intellibank is the number one bank for small business owners.

utterance: OK.

utterance: In the country right now, so I'm so happy that you called because that is all we're dedicated to doing, is helping our small business owners.

utterance: well that's the things I keep hearing, like you know on the radio and seeing TV commercials. and that's what has really opened my eyes. It's been a lot of just inconvenient things and charges going on at my current bank, that just really made me very unhappy with their with their service.

utterance: Mhm.

utterance: Yeah, a lot of banks have hidden fees for business small business owners and you know that is not OK, with us. We know all about that little scheme that that they have going on, so I'm so glad you called.

utterance: Well, thank you.

utterance: So, OK so what you're gonna need is your business license.

utterance: OK.

utterance: two years of your business tax returns.

utterance: OK.

utterance: And two years of your year end financial statements.

utterance: OK.

utterance: So. And.

utterance: I'm sorry I'm I'm writing this down just to make sure I have it. so I'm guessing so you would need like my my business tax number.

utterance: OK. No, no problem.

utterance: No problem.

utterance: Right like your tax ID number and also.

utterance: Also my.

utterance: Social and and and stuff like that?

utterance: Right.

utterance: and also your name, date of birth, all that. Well well I can I can actually set that up for you now I can start the application I'm in the process of doing the online stuff. And then what you can do is you can either fax us email us or mail which I'm sure you know you don't really wanna mail copies of the documents it takes so long. So you can totally email us, so I'll put in just your basic you know information right now and this way we can get you started right away. So what is your name?

utterance: Correct, yeah.

utterance: Right.

utterance: my name is James.

utterance: Mhm.

utterance: Porter.

utterance: OK is that P O R T E R?

utterance: Yes it is.

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

utterance: It's June thirteenth.

utterance: OK.

utterance: Nineteen ninety.

utterance: OK.

utterance: And what is your social?

utterance: the social is one oh nine.

utterance: Mhm.

utterance: Six one.

utterance: OK.

utterance: Two three nine eight.

utterance: OK.

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

utterance: I do, hang on one second.

utterance: OK, take your time.

utterance: OK you ready?

utterance: Yes.

utterance: All right, that number is three one.

utterance: Mhm.

utterance: Eight one.

utterance: OK.

utterance: Seven five.

utterance: Mhm.

utterance: Six three two.

utterance: OK, so that's three one eight one seven five six three two?

utterance: Yes it is correct.

utterance: OK, great. And what is your email?

utterance: It's Porters Plumbing.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK and is that a capital P?

utterance: It is.

utterance: OK all right so I'm I started the application, I sent over a link that you can click on and just you can attach your documents that I asked for to that, and email it back to us.

utterance: OK now will this also start the process of setting up like an online account or is that a whole different process to go through?

utterance: Mhm.

utterance: Yeah.

utterance: Absolutely, this will also there will be another link with prompts that will take you through and you'll be able to set up your online banking once we get all of that, all the documentation from you.

utterance: OK.

utterance: you'll get an email that, it you know, it was approved. It usually takes about forty-eight to seventy-two hours at the most. Sometimes it is quicker depending on how fast you send that over to us.

utterance: OK.

utterance: So I also would love to, if I may, include our featured Intellibank credit card for small business owners for this month. It's the platinum business card.

utterance: OK.

utterance: And there is a two percent cashback bonus on that card, every time you use it you'll get two percent cashback.

utterance: Hmm. OK.

utterance: And.

utterance: Tons of other perks that will help your business.

utterance: so can I send that to you as well?

utterance: Yeah, please do let me jump full in on on all that your bank has to offer.

utterance: OK.

utterance: Great, and you know you can always go into a branch if you like to speak to someone in person. We're always there for you, our customer service line is open until eight p.m. eastern.

utterance: So there's a lot of different ways that we're here to help at any time.

utterance: I appreciate that, thank you so much for everything.

utterance: And Mr. Porter, is there anything else I can do for you?

utterance: No that's it. You've you've already gone above and beyond my bank that I've had for the last four years.

utterance: All right.

utterance: Oh wow thank you so much we appreciate that.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Hey, what's going on. this is Dominique Jackson and I am calling in regards to paying for my credit card. I need to knock that down a little, cuz you know how it is. If you don't pay it now things are just gonna go on and on and on and on and on and you guys are going to hell to me.

utterance: Absolutely, sir.

utterance: And.

utterance: Just get me gonna pay more than what I should.

utterance: No, no. Well, we don't want you to pay more than you should. I just want you to pay the. Yeah. Well let's do whatever you can pay. so let's look up your account. Can you give me your name and your date of birth?

utterance: Yeah. Yeah.

utterance: yes. Yes. My name is Dominique Jackson and my date of birth is zero four twenty-five nineteen eighty-nine and my credit card is seventy-six, fifteen, forty-four, thirty-three, three eleven, six one two.

utterance: Great. And can I get the expiration date and the three digit card on the back?

utterance: Yes. It is zero three two thousand twenty-four.

utterance: Excellent.

utterance: And the little code is two one four.

utterance: Perfect. OK. I'll open your account and looks like your current amount due is five hundred dollars and eighty-nine cents.

utterance: Ooh, five hundred dollars. OK. I would like to set up a payment plan and yeah, I I I wanna You know what? No, no, no, no. I don't wanna set up a payment plan. Let me just go ahead and I I'll work this out and then, the card. Let me just set up an auto-pay. That way I don't have to worry about it, because Yeah and this time I'll make sure that when I actually do it I will actually pay, cuz the last time I actually did that. I paid it and then I got back into overdraft and I didn't pay my card cuz. You know what I'm saying, like it's just stupid. And they're looking for been there, and it's like oh what did you do? So yeah. I don't wanna jack up myself, so yeah. I'm gonna yeah. I'm gonna pay this off and I'm gonna make sure that I'm doing my job to actually pay. On time. So I don't have to worry about nothing. Just make sure I work and money's in there.

utterance: Excellent. Sounds like a plan sir. More than happy to help you with that. and if you ever do need to take out loans, that's always a service we offer to our business customers as well. So let me know when you have your checking account number so we can set up a payment for this card.

utterance: Awesome.

utterance: yes. Yes actually. Yes. So you said you need a a a account number?

utterance: Yeah. The account number and then the routing number.

utterance: OK cool. The account number is eleven thirty-three thirty-four forty-five fifty-one sixteen sixty-seven five.

utterance: Got it. And the routing number?

utterance: Routing number is eight two nine three five five two.

utterance: OK. Great, so you're making a full payment today and that payment will go into effect today. Or would you like to set another date?

utterance: Yeah. No we're we're gonna pay today. We're gonna get that done today. And then we're going to. Just we're currently. Maybe next month or something. Just start doing auto autopay.

utterance: Great. Well I can do an autopay that sets up the first of every month to pay your balance.

utterance: And you know what?

utterance: Let's try the fifteenth cuz that's a better date.

utterance: On the fifteenth of every month?

utterance: OK. great. So .

utterance: No, no, no, no, no.

utterance: I'm sorry. I'm sorry. Let's do the end of the month. That's better.

utterance: The end of the month?

utterance: No. I I'm sorry. I'm being very difficult right now. I'm just looking at all of my Cuz sometimes I get paid those in the middle of the month, end of the month, first of the month, but more consistently is first of the month, so let's just do first of the month. That's better.

utterance: First of the month?

utterance: Yeah, and that's a lock. That's a lock.

utterance: OK.

utterance: Great. I can set that up for you, so you'll do a a recurring payment every first of the month.

utterance: All right.

utterance: Yes sir.

utterance: Excellent. And if you need to change that any time, you can just go on our website and there you can also see your statements and your transactions and all your different accounts for your business. So, if there's nothing else I can help you with I think you are all set. Is there anything else I can answer for you today?

utterance: No. I think you answered everything. now we have paid all of it, in the next month on the first we're just gonna do the autopay, correct?

utterance: Yes sir, that is correct. You're paying the full balance and then next month on the first you will automatically pay the accumulated balance for that month.

utterance: All right, I'm excited. I'm thankful for this day now this is out of my head. Thank you so much. I greatly appreciate your help.

utterance: Excellent. Thank you sir and have a great day.

utterance: You too man. God bless.

utterance: Excellent. Goodbye.


utterance: Hi. Thanks for calling Intellibank. My name is Anna. How may I help you today?

utterance: Hi Anna. My name is John, and I'd like to make a transfer from one of my accounts to another.

utterance: Hi, John. Do. You'd like to make a transfer from one account into another. Oh. Great. I'd be glad to help you with that today. And how are you today?

utterance: Yes.

utterance: I am well. How are you?

utterance: I'm great. Thanks. All right. If you don't mind, I just need to get a little bit of information from you so I can access your accounts.

utterance: For sure.

utterance: OK, terrific. can you spell your first name for me?

utterance: Yes. It's J O H N.

utterance: OK.

utterance: John.

utterance: John, yes. Just like it sounds. and John, your last name?

utterance: Blankenship.

utterance: Blankenship.

utterance: Yes.

utterance: And would you mind spelling that for me?

utterance: Sure. B L A N K E N S H I P.

utterance: I'm sorry. The last S H. Oh, S H I P.

utterance: Yes.

utterance: OK, great. And John, may I also have your date of birth?

utterance: Yes. It's three one eighty-four. And guess who else has that birthday?

utterance: Denzel Washington.

utterance: Really? OK. Well, happy birthday to both of you on that day.

utterance: Yes.

utterance: Well, thank you.

utterance: OK, great. And.

utterance: And my social security number is four one five three three five one eight nine. My PIN number is six seven seven nine.

utterance: Oh. Well, thank you for providing me that information, John. I just need to go back to your PIN number. I wasn't quite in. I wasn't quite finished with that. And then I'll get your social security as well.

utterance: OK. It it's six seven seven nine.

utterance: six seven seven nine. OK. And again, your social security number.

utterance: OK. One moment. OK, great. OK. So what you'd like to do today, John, is you'd like to make a transfer from one account to the other. Would this be your checking accounts? I see here that you have both our business. I'm sorry. Our business total and our your and our business preferred checking.

utterance: Yes.

utterance: OK. And which account would you like to transfer from?

utterance: The one that ends in. The one with the number five five six two two nine.

utterance: OK. So. OK. so what I was going to ask you for was the full account number from the account you would like to transfer from.

utterance: Yeah. That's the number, five five six two two nine.

utterance: OK. Five five six two nine.

utterance: Two two nine.

utterance: I'm sorry. Five five six two nine.

utterance: No. Five five six two two nine.

utterance: OK. That's why I wasn't getting it. Thank you so much.

utterance: Mhm.

utterance: OK. So that would be from your business preferred account. So you'd like to make a withdrawal from that account and put it into the business total, correct?

utterance: Yes.

utterance: OK. may I Oh, what is the amount that you would like to transfer?

utterance: Forty-five hundred.

utterance: OK. Forty-five hundred. All right. And if you will provide me the business total checking account number.

utterance: It's six eight four two nine one.

utterance: Six eight four two nine.

utterance: One. Yes.

utterance: Oh, got it. OK. All righty. So let me check here for you. What we'd like to do then, is from the account ending six two two nine, your business preferred, we will go ahead and transfer forty-five hundred dollars into your business total account ending. Yes. I'm sorry?

utterance: Oh, no. I just saying OK.

utterance: OK, great. All right. So give me one moment so I can complete this transfer.

utterance: OK.

utterance: OK. And and by the way, while I'm I. While I'm doing that for you, is there any information that I can provide for you so you can access this yourself online or from our app?

utterance: no. I tried to do it on the website, and it just for some reason it kept freezing.

utterance: Is?

utterance: Oh, really? I'm sorry to hear that. That must be really frustrating.

utterance: Indeed. It was very frustrating because I need to make this transfer as soon as possible.

utterance: OK.

utterance: Because I'm trying to make a purchase with that account.

utterance: Of course. Of course. Yes. And unfortunately you do have a little bit of a wait time sometimes on our on our phone. Thank you so much for your patience.

utterance: Yeah.

utterance: OK. I'm still I'm still working on your transfer. One moment, I'm just going into the another screen to complete it.

utterance: Sure.

utterance: OK. So where in the world are you?

utterance: OK.

utterance: Oh. Well actually, I'm in the state of Ohio. Where are you?

utterance: Ohio? People still live there?

utterance: Uh-huh.

utterance: I'm in San Diego.

utterance: Oh, you're in San Diego. What's the weather like there for you today?

utterance: Yeah.

utterance: It's actually very beautiful. A little chillier than you'd think, but very nice day. I'm riding with the windows down.

utterance: Are you? Oh. Are you?

utterance: But I

utterance: Do have a hoodie on.

utterance: Are you close to the beach?

utterance: Very close, yes.

utterance: Nice. Nice. Yeah. I haven't seen the the shore in quite a while.

utterance: Yeah. I don't I just still don't get why people live in Ohio.

utterance: Well, it's a lovely place to raise a family. Hopefully one day I'll be doing that.

utterance: I thought you were gonna say cattle, but I guess that works too.

utterance: OK. All right. Well, thank you for your patience. I was able to complete that for you. would you like to write down the confirmation number?

utterance: no. I usually get the email that. You're gonna send the email with that, right?

utterance: you

utterance: Will get an automated email for this, yes.

utterance: OK, yeah. That'll be fine.

utterance: OK. Terrific. are there any other accounts that you'd like me to check for you, or anything else I can do for you today?

utterance: I think that's gonna be it.

utterance: OK. Well, John, in San Diego, this is Anna from Ohio saying thanks so much for calling today. I appreciate your loyal patronage to Intellibank. You have a terrific evening.

utterance: Thank you, Anna. You too.

utterance: All right. Mm. Bye bye.


utterance: Thank you for calling Intellibank. This is Donald. How may I help you on this very fine afternoon?

utterance: It is a fine afternoon, Donald. Thank you. My name is Tiffany Romero.

utterance: Tiffany, it's very nice to meet you. How can I help you today?

utterance: I just would like to take out a loan.

utterance: All right, and do you already have a business account with us in Intellibank?

utterance: yes I do.

utterance: All right. I will put your last your full name down here, so that'll be a perfect way to start.

utterance: Mhm.

utterance: Mhm.

utterance: So lemme just pull up the account you already have. All right, and what is your date of birth?

utterance: That would be August fourth, nineteen eighty-six.

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

utterance: OK, it is six three three two four one two zero, and the driver's license is nine eight four, I'm sorry, D nine eight four one seven three.

utterance: All right, and what is your business address?

utterance: Mhm.

utterance: My business address is one seven seven Jersey Way Rochester, Alabama nine zero zero four eight.

utterance: And the email address that we have on file for you.

utterance: That would be fancy fluffers at Hotmail.

utterance: All right. I just need the four digit PIN for this account, and we will be in your account.

utterance: One eight seven three.

utterance: All right.

utterance: Mhm.

utterance: Just a moment please while this loads.

utterance: Oh.

utterance: How are you doing today?

utterance: I've just got baking on my mind. That's all I. All I wanna do is bake.

utterance: I understand. Well the weekend is almost here.

utterance: It is.

utterance: And Hopefully you'll be able to get some baking baking in.

utterance: Holiday weekend.

utterance: Yeah, you're getting your banking.

utterance: After you get your banking in.

utterance: Yeah! I like doing holiday themed baking so I'm really excited.

utterance: And make some Make some cookies, make some pumpkin maybe some ghosts.

utterance: Mhm.

utterance: Yes! You are a mind reader.

utterance: All right. Well, we are in your account here. And I can go a head and put in a loan request for you. do you know the type of loan that you are looking to get today?

utterance: Mhm.

utterance: Oh, thank you.

utterance: I did speak with someone previously and they recommended. I think it was a SBA seven. Is that is that sounding right?

utterance: that would be our SBA seven A loan.

utterance: Mhm.

utterance: And I do see that there is a record of a previous call here.

utterance: Mhm.

utterance: L All right. Well if you can just confirm this info then we can go ahead and get your loan application in today.

utterance: Mhm.

utterance: Let's do it.

utterance: What is the name of your business?

utterance: Hot fluffs.

utterance: And are you the sole owner?

utterance: Yes I am!

utterance: And I'm gonna need your tax ID number.

utterance: OK. Oh, let me go run and get it from the other room.

utterance: Not a problem at all. I can hold on.

utterance: Thank you.

utterance: OK. Tax ID number. Tax ID number, here it is. Five four five three two one eight seven zero.

utterance: All right, and what is the gross income of your business?

utterance: Oh, we we typically are making five million dollars a year.

utterance: and what was the date that you established the business?

utterance: We established I established my business on September eleventh two thousand and eight.

utterance: And what is the address of your business?

utterance: The address of my business is one four six nine Print Street in Detroit, Michigan.

utterance: And what would the purpose of this loan be?

utterance: Oh I just need to cover some business administration costs.

utterance: OK. Business administration costs. Got that. And how much are you looking to receive?

utterance: Yep.

utterance: Ten thousand dollars.

utterance: Ten thousand dollars. All right. That should not be a problem.

utterance: Mhm.

utterance: Right, with the amount that I'm making.

utterance: And what is your what term are you looking for? How long are you looking to pay this back?

utterance: What's available?

utterance: well, for you, with the amount of credit that you already have and what you have in your bank.

utterance: Mhm.

utterance: we can do anywhere from five months to a year.

utterance: Five months.

utterance: All right.

utterance: Mhm.

utterance: And this is just loading. All right. And we already go that back and your loan has been approved.

utterance: OK, wow!

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

utterance: Oh. No.

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

utterance: You too. Thank you.

utterance: Bye.

utterance: Bye.


utterance: Hie this is Yasmin thank you for calling Intellibank, how can I help you?

utterance: Hey Yasmin how you doing? I need to make some changes on my account. I have a an old business partner that stepped away. I just wanna make sure that that partner doesn't have access to any of the account information anymore.

utterance: OK what were you thinking like, what did you wanna start with?

utterance: probably all of it. I Pin number I guess or Phone number, address. I I just, don't want them to be able to access our account anymore.

utterance: OK, well let's start with your pin number.

utterance: OK.

utterance: That's the easiest way to lock someone out, and Let me just get some information from you first. What is your first and last name?

utterance: OK, my first name is Chris.

utterance: OK.

utterance: My last name is Long.

utterance: OK, and that's L O N G?

utterance: Yes.

utterance: OK, and what's your date of birth?

utterance: February third, nineteen eighty-one.

utterance: OK, and what's the phone number on this account?

utterance: OK. The phone number hopefully. Is Six one five.

utterance: OK.

utterance: Three five two.

utterance: OK.

utterance: Two one one three.

utterance: OK.

utterance: Alright.

utterance: OK. That's not the number that we have and and you did say six one five.

utterance: Yes.

utterance: Three five two. Two one one three?

utterance: Correct.

utterance: OK we don't have that number on file. Is that the number you want it to be?

utterance: Please.

utterance: OK. So let me update it to that for you right now real quick. OK. And then What is your debit card number?

utterance: Yes.

utterance: hold on a second let me get that. paper work. OK. Are you ready?

utterance: OK.

utterance: Yes.

utterance: Alight. That number is four zero. eight five. Five five five five oh oh one four seven three two Six.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: Alright. And what is your pin number?

utterance: Alright, so the current pin number.

utterance: Is five one nine one.

utterance: OK. and what were you wanting to change it to?

utterance: Let's change it to eleven seventy-nine.

utterance: All right. You're all set and you might wanna just like write it down or put it like I put it in notes in my phone when I change my pin because I personally forget. So I will suggest to people to write it down. Especially you're a busy man. You have a business. You going through all the stuff. You know you might wanna do that.

utterance: trust me. It's It's written down. And yeah. Eh eh this is a beautiful thing moving forward. With without the old partner. You know that dead weight all, yeah. It it was it was kinda like you know being in a bad rainstorm. Everyday.

utterance: Real quick.

utterance: OK.

utterance: Mhm. Mhm. Mhm.

utterance: Wow.

utterance: Yeah. As a matter of fact like. Here in natural it rains a lot.

utterance: Mhm.

utterance: It's it's like it's rained today. How about you where where you are? Is it raining where you are?

utterance: Oh.

utterance: Actually I am in Atlanta but it's not raining today.

utterance: OK. Well don't get me wrong. Some days its its nice to go out in in a rainstorm and dance but everyday.

utterance: Yeah.

utterance: Right

utterance: And you can't dance. Everyday in the rainstorm. Sometimes you have to you know. suck it up.

utterance: OK well is there anything else we could do with this account? You said you might wanna update. We did the phone number. We did the pin number. Did you wanna update anything else while we are in here?

utterance: Yeah you know what since I'm totally taking this whole thing over. I'm thinking I might as well get the whole online banking setup and have access to that this way I can really have a hands on take on to my business and be able to handle things. You know I'd like to see the numbers everyday this way I could look at everyday and I don't have to call and bother reps like yourself.

utterance: Mhm.

utterance: Oh yeah.

utterance: It's no bother at all that's why we are here but online banking does make it weigh easier. You you have access to it twenty-four hours It's just so much more convenient. You know if you ever do have questions though and you want to call us. Never hesitate but, what I can do is, I can send you over a link to your email. You just click the link. It will prompt you to everything. It is really really quick and simple. But again like I said if you have questions, you can always call. And we can walk you through it. But what is a good email that I could send over the link to.

utterance: OK so the email is Chris Long.

utterance: OK.

utterance: Nineteen eighty-one.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK I sent that over to you. Right now and yeah just click on that link and It'll take you through everything. and is there anything else I could help you with today?

utterance: I think we got it all. Yeah I think we covered all the bases. I I wanna thank you so much.

utterance: thank you so much for calling and if there's anything else please call us back. We here we here until eight p.m. eastern time and I hope you have the a great rest of your week.

utterance: Thank you, you too.

utterance: Yeah, thank you. Bye bye.


utterance: Hello. Thank you so much for calling Intellibank today. How may I help you?

utterance: Hello. I was requesting if I can have a or a document that can show all my transactions that I've done with them, with my account for me to show my accountant.

utterance: Yes, absolutely. would you like a copy of your bank statement?

utterance: Yes. I would like that.

utterance: All right, no problem. I can go ahead and take care of that for you. First, can I get your name and date of birth, please?

utterance: OK. My name is Sharlene Peterson. And my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right. Thank you for that. And can I also get your PIN number?

utterance: that will be three five four six.

utterance: All right. Thank you for that. And can I also get your account number?

utterance: OK. My account number will be three five oh six six eight seven nine two four,

utterance: All right. Thank you for that. And what would you like your delivery method to be? Would you like to receive a copy of your bank statement by email or by mail?

utterance: could I have both, both the ?

utterance: sure. Yes, you could have both. All right, so I have gone and submitted the request for you bank statement. And through the mail, you should receive it in about three to five business days. And through email, it should be two days.

utterance: OK. That's that's all right with me.

utterance: Absolutely. And did you have any other questions?

utterance: how is the weather over there?

utterance: Oh, the weather's so nice. Thank you for asking. It's so warm and sunny where I live. How about with you?

utterance: Yeah.

utterance: being warm and sunny and great weather to .

utterance: Yes, absolutely, especially where I live because it's been very rainy lately, so I'm very happy that it's warm weather now.

utterance: Yeah, it's great weather.

utterance: Yes, absolutely. Oh, and did you also want to know about our online banking so you could request copies of your bank statements online in the future?

utterance: Yeah, I'd like to know more on how does that like like in terms of security

utterance: Yes, absolutely. So with our online app, it's called Intellibank, and you could download it at the app store. And it's very secure, so it will require a username and password. And also if you have a smart phone, you could enable face ID. So it's very secure. And with the online app, you can do almost everything that you do at a branch, such as accessing your accounts, checking the balance of your account, and checking all of your transactions. You can also make deposits online, such as check deposits, and you can make transfers within your accounts, within your accounts and other accounts. And also, you can update your personal and business account information. And of course, you know requesting copies of certain documents or scheduling appointments.

utterance: Oh. Oh, yeah, I can see it it has for almost everything that may require me maybe to come physically or contact customer care.

utterance: Yes, almost everything. However, if you would like to make a cash deposit, you will have to come in person at a branch or at an ATM machine.

utterance: Oh, OK.

utterance: Yes, but other than that, you're Almost everything you can do at a branch or through customer service, you could do online. and it. As I said, it is very much secure, so you will not have to worry about, you know, any hacks or anything. so you should be good on that end. And you can go ahead and download it now through the app store after our call. And if you have any questions about it, you can always call us back.

utterance: OK, I'll definitely do that. And if I stuck, I'll I'll .

utterance: All right. No problem. any other questions for me?

utterance: No. That, well, that. Those are my my only concern.

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

utterance: You too.


utterance: Hi, thank you for calling Intellibank. My name is Beatrice. And how may I assist you today?

utterance: Hey, Beatrice. How are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. I hope you're having a beautiful day yourself.

utterance: Yes, ma'am. I sure am. The reason I am calling is our company has just switched our telephone providers. And I need to make sure that you have all the correct information on file for us.

utterance: That's no problem whatsoever. You needing to update your phone number?

utterance: Yes ma'am. Yes ma'am.

utterance: OK. That's no problem. Let me get some information from you so I can pull up your account. May I have your first and last name, please?

utterance: Sure. This is Jackie. J A C K I E. McAllister. M C A L L I S T E R.

utterance: Thank you so much, Ms. McAllister. May I also have your date of birth, please?

utterance: Sure. I was born June the sixteenth nineteen seventy-seven.

utterance: Alright. June the sixteenth nineteen seventy-seven. Thank you and may I, also, have your company PIN number, please?

utterance: Sure. It I am so embarrassed. I'm sorry. It is actually in the office. Could I run and grab that real quick?

utterance: Yes, ma'am. That is no problem. Just let me know when you're back.

utterance: OK, thank you.

utterance: OK, Beatrice. I'm back. You still there?

utterance: Yes, ma'am. I sure am.

utterance: OK we actually have recently changed our PIN number. So I have two different ones. I'm pretty sure I know which is which, but let me go ahead and give you both just in case. Now this one I'm pretty sure is our old one. It is nine three one eight one three nine seven. And the other one that I have that is four two one three five six four four. And like I said I'm pretty positive that is the one that we changed it to.

utterance: Yes ma'am, Ms. McAllister. That is correct. Your current PIN that we do have on file now for you is the four two one three five six four four.

utterance: OK, great. Thank you so much for that clarification, Beatrice.

utterance: Thank you Ms. McAllister. And I am ready to update that phone number for you.

utterance: OK, the old one was the five five nine nine oh six oh six one nine. And we need to change that to five five nine nine seven eight six seven six seven.

utterance: OK. So I do have your phone number updated. And just to make sure I have this correct I have it as area code five five nine nine seven eight six seven six seven. Is that correct?

utterance: Yes, ma'am. It sure is.

utterance: All right, wonderful. Thank you so much, Ms. McAllister. Was there anything else that I could assist you with today?

utterance: yeah, actually. While I have you could I go ahead and see what the available balance is on excuse me on our Intellibank Business Plutonium Card?

utterance: Well ma'am we actually don't have a Plutonium Card. Would that be the Platinum Card?

utterance: Oh! Did I say Plutonium? I am so sorry. Yes ma'am it's the Platinum Card.

utterance: OK. That's not an issue whatsoever ma'am. May I have that card number, please?

utterance: Sure, the card number is four five five six eight five one three two nine nine five one eight six three.

utterance: Alright, so I have four five five six eight five one three two nine nine five one eight six three. Was that correct?

utterance: Yes, ma'am. It sure is.

utterance: Thank you. Just one moment while I check your available balance.

utterance: OK, Ms. McAllister. I am shown your available balance as eight thousand one hundred sixty-two dollars and fourteen cents.

utterance: OK. So that was eighty-one sixty-two forty-one?

utterance: Oh, no ma'am. No ma'am. I do apologize. It's eight thousand one hundred sixty-two dollars and fourteen cents.

utterance: Oh OK. That's my bad, that's my bad. That was eighty-one sixty-two fourteen. Correct?

utterance: Yes, ma'am. That is correct.

utterance: OK, great. Thank you so much for your help today, Beatrice.

utterance: Thank you so much, Ms. McAllister. Was there anything else I could assist you with today?

utterance: No ma'am. That is all.

utterance: Well, thank you so much for calling Intellibank. And you have a wonderful day Ms. McAllister.


utterance: Thank you for calling Intellibank. My name is Ashley. How may I help you today?

utterance: I need to schedule an automatic payment for my loan, please.

utterance: I cannot believe that I was on hold for thirty minutes. This is absolutely ridiculous. I didn't mean to take it on you but I'm a little cranky. Sorry.

utterance: Oh, my goodness. I'm so sorry to hear that. I I can only imagine. I've had that happen to me before so I completely understand your frustration and I'm very sorry about your wait. We are quite busy today and we had a quite a few call outs you know due to some some sicknesses that went around the office so we're short-staffed but we'll definitely be back up on the rise here very soon and I'll be happy to help you with whatever you need help with.

utterance: so just give me one moment. Let me go and bring up my systems and I'll gather your information. OK?

utterance: All right.

utterance: All right and we'll get this done as soon as possible. All right so I got my system up here. Let me go ahead and get your first name, please.

utterance: Nicole. N I C O L E.

utterance: And your last name?

utterance: Gonzales with a Z.

utterance: And your date of birth, please?

utterance: Seven one eighty-three.

utterance: Thank you and your PIN number, please.

utterance: Five five six seven.

utterance: Perfect. All right. So you said you wanna setup an automatic loan payment. what is the loan account number you would like to setup for?

utterance: One four three four one three.

utterance: OK.

utterance: All right and what what is the account number that you would like to draw the funds from?

utterance: sorry. I have that here. give me just one second.

utterance: All right. No problem.

utterance: Take your time.

utterance: All right I got it. Sorry.

utterance: No problem.

utterance: It is the one one zero three nine three eight seven.

utterance: All righty and the routing number for that account?

utterance: Three seven eight nine five four two three one.

utterance: All right. So let me just read that information back to you before I proceed. so we have the payment's paying on the one four three four one three loan to from account number one one zero three nine two eight seven with routing number three seven eight nine five four two three one. Is that correct?

utterance: Yes, ma'am.

utterance: OK and what date would you like these payments to come out on?

utterance: Can we set that up for the fifteenth of every month?

utterance: Absolutely. Let me just put that in here. And how much are you looking to pay each month?

utterance: Let's make it an even thousand.

utterance: OK.

utterance: All right so I got that all set up for you. So on the fifteenth of every month, we'll make an automatic payment of an even one thousand dollars to the loan ending in one four three or the loan number one for three four one three. Does that sound correct to you?

utterance: That sounds right.

utterance: Perfect.

utterance: oh, sorry. while that I have you, is there a way that I'm able to schedule the payments online that way in case this happens again. I don't have to stay on the phone for that long.

utterance: Yeah. Absolutely. I actually was gonna suggest that to you. so you can go to Intellibank dot com on a regular you know computer browser or you can download the app via the Google Playstore, Apple. Were on both platforms. they'll gonna ask you some personal and banking information for verification purposes. Just make sure you have any of your banking info available when you're creating the account online. you'll create a username and password. You can login with your biometric information either using your fingerprint or facial recognition and it's. It's just as easy as that. And you'll be able to setup your automatic payments for whatever account you have. You can attached all the accounts you have. Whether it's a loan, your credit cards your checking, savings, stocks, whatever. you'll be able to do everything related to your banking with us through the online service or the app.

utterance: OK. Definitely gonna have to try that one.

utterance: Yeah and you'll definitely avoid any of the long hold times that we have periodically.

utterance: That sounds awesome all by itself.

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

utterance: No, thank you. You've helped so much.

utterance: All righty and thank you very much for calling Intellibank. You enjoy the rest of your day.

utterance: You too. Thank you.

utterance: Thank you. Bye bye.

utterance: bye bye.


utterance: Hey this is Derek with Intellibank. How may I be of service to you today?

utterance: Hi Derek. so I recently got a loan with you guys for my company.

utterance: OK.

utterance: me and my best friend Lizzy we we run this jeans company basically where we recycle used jeans and yeah we we have these like collection boxes out in communities. And so when people don't fit their jeans anymore, it's not their style you know, they're dated, they can donate them. And then we take them and we turn them into diaper bags.

utterance: Oh.

utterance: Wow.

utterance: That's a really interesting and smart business.

utterance: Thank you.

utterance: Yeah.

utterance: So once we turn them into diaper bags we give them to underrepresented communities. Cuz you know a lot of the time the women in those communities don't have access to these things like that. And you, you know we just wanted to give back so. We do that and we also sell them of course. We have to make we have to make a profit so we can you know keep in business but our main aspect is not for profit and we do donate those bags. Do you have any kids of your own?

utterance: Mhm.

utterance: I I do. I have three kids of my own. Yes.

utterance: Oh wow.

utterance: Yeah.

utterance: girls, boys?

utterance: it's two girls, one boy.

utterance: Oh lovely. That's a good mix.

utterance: Yeah yeah it's a great. They they keep me up at all hours of the night.

utterance: Those terrible twos am I right?

utterance: Yeah yeah they are. Now but with you, it sounds like you want to talk about a small business loan, correct?

utterance: Yes.

utterance: Yes, yes. I wanted to I want to talk about my small business loan. I'm not actually sure what what we're what we're paying each month.

utterance: OK.

utterance: So could you help me figure that out?

utterance: Yeah absolutely. but I will first have to ask a few questions.

utterance: Of course.

utterance: Number one, what is your first and last name?

utterance: It's Laura Stern.

utterance: Laura Stern as in S T E R N?

utterance: Yes.

utterance: you related to Howard Stern?

utterance: actually no, I'm not related to Howard Stern. And I'm glad because he uses a little bit too much profanity for my liking. It's not suitable for the kids.

utterance: That's why I was intrigued. Because you know, you seem to be the opposite of him. So to have that would be kind of a funny little thing.

utterance: Yes.

utterance: But anyway so in order for us to get into this I'm gonna also have to ask for your date of birth and the account number.

utterance: OK. I can get that for you.

utterance: Mhm.

utterance: So my date of birth is November twelfth.

utterance: Mhm.

utterance: Nineteen eighty.

utterance: OK.

utterance: And what was the other thing you asked for?

utterance: The account number.

utterance: Oh the account number.

utterance: Mhm.

utterance: OK, it's three three two seven.

utterance: Three three two seven.

utterance: Seven five seven nine.

utterance: Seven five seven nine.

utterance: OK, so you said that you're unsure of what you're paying in this moment, correct? OK. For this small business loan, it looks like it's a period of a few years. So you're payment each month should be at three hundred and fifty dollars.

utterance: Exactly.

utterance: OK.

utterance: So are are you looking to make a payment today or are you just trying to check the balance and see?

utterance: OK.

utterance: yeah let's go ahead and make that payment today.

utterance: OK.

utterance: is there anything else I need to do to make that payment?

utterance: Yes I will need the bank account number and the routing number.

utterance: OK the bank account number is three three two one.

utterance: Three three two one.

utterance: Six seven five nine.

utterance: Six seven five nine.

utterance: Two three two two.

utterance: Two three two two. And the routing number.

utterance: OK the routing is one three nine eight seven six.

utterance: One three nine eight seven six?

utterance: Correct.

utterance: Ok and you want to make the payment for three hundred and fifty dollars today?

utterance: Yes.

utterance: OK do you want to make that a recurring payment or you just want the payment today?

utterance: OK so let's say I make it a recurring payment and let's say by some you know God awful happenstance that we don't have the money in our account. And it is recurring and it automatically comes and we get overdrafted. I know that there is a fee that will happen with our bank that the money is coming from. But if it's over drafted to you guys is there anything that's gonna happen to us on your end?

utterance: Mhm.

utterance: Mhm.

utterance: well you know if it's over drafted for us we would we would do a thirty-five dollar fee.

utterance: OK OK, well I I actually don't wanna I don't wanna set up for auto pay then. We'll. We'll just come in and pay it every month.

utterance: OK.

utterance: OK yeah that is that is absolutely fine. OK so I will make the payment for today though.

utterance: Great.

utterance: For three hundred fifty dollars.

utterance: Mhm.

utterance: Do you need a receipt through your email or?

utterance: no I think we're good. We trust you guys. We've been with you for years so I think we're good.

utterance: OK well it is processing so that is it. Is there anything else I can help you with today?

utterance: no I I don't think so unless you know somebody who needs a diaper bag.

utterance: At this moment no but I'll keep you in mind.

utterance: All right, thank you sugar.

utterance: Thank you, have a wonderful day.

utterance: You too.

utterance: All right bye now.

utterance: Bye bye.


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

utterance: Hey, thanks, Danny. I'll just apologize in advance. There might be some background noise. One of my kids is home sick today, you know how it goes and my wife's at work all day, so, sorry about that. anyway, I was looking into me to kind of diversifying my my investments. I'm not really sure exactly how I'm not really an expert in this stuff. You know, that's why I'm calling you mhm I was just wondering what advice you might have and you know so forth?

utterance: Yeah, absolutely no worries. I can kind of guide you through the different options we have here at Intellibank and looking at your account, just want to thank you for being a valued Intellibank customer since nineteen ninety-seven mhm and so you are yeah, sounds like you want to get into a little more more investing. What I can do for you is we can actually purchase a stock market order though our service.

utterance: Would you be interested in doing that at all?

utterance: Yeah it's yeah, yeah if if you think that's a good idea. Yeah, that's why I'm calling.

utterance: Yeah, I can I can process that for you over the phone.

utterance: OK.

utterance: Now, I'm gonna need some information for you first to get into your account. if you don't mind me asking your first and last name?

utterance: OK.

utterance: So it's Michael Jacobs.

utterance: Michael Jacobs and your date of birth?

utterance: That's March twelfth nineteen eighty-seven

utterance: March twelfth, nineteen eighty-seven, and I also need your personal four to eight digit PIN number.

utterance: Yeah, the PIN, think real quick yeah that's, that's six, five, three, two, two, one.

utterance: six, five, three, two, two, one. Yep that went through so and also need your six to ten-digit account number.

utterance: OK.

utterance: man the account number, I was hoping you wouldn't ask. Let me put you on hold for a second I can go grab it, OK?

utterance: Oh, you need to go look for it?

utterance: Yeah, just one sec, I'll gonna look for it.

utterance: No, no worries at all.

utterance: Oh, hey you still there?

utterance: Oh, hey. Yes yes. Hello.

utterance: Yeah.

utterance: Sorry for the hold up. I went to go look for it and my kid started, you know, started chatting me up. I'm sorry about that. The account number.

utterance: All good.

utterance: Yes, I need that six to ten-digit account number.

utterance: Right.

utterance: Right, so that's five, three, two two, seven, four, six.

utterance: Five, three, two, four, seven, four, six.

utterance: And have you decided which stock you'd like to purchase today and we'll need the stock symbol to find it on the stock market.

utterance: Right, I was I was thinking I don't know maybe kind of consumer goods, you know maybe Starbucks or Apple I'd also like something kind of in the financial world, do you about what about Fidelity?

utterance: Fidelity, yeah I can absolutely make that purchase for you by phone, and that would be the stock symbol FID.

utterance: OK.

utterance: And how many shares are you looking to purchase today?

utterance: Well, I'm thinking double digits you know actually twelve's my lucky number, how about let's go with twelve.

utterance: Oh twelve it is, lucky dozen.

utterance: OK.

utterance: So, with your permission, I'm going to process that order through right now for you.

utterance: OK.

utterance: And looks like yes, immediate stock purchase, twelve shares of Fidelity, you are now a Fidelity stockholder.

utterance: OK.

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

utterance: not at the moment, I mean do get a lot of calls like this? Are you guys busy over there?

utterance: Yes, absolutely. But I do want to inform you that you can do Intellibank banking online at Intellibank dot com or by downloading the Intellibank app and that will give you access to your account twenty-four hours a day, seven days a week. The app is available for download for free, by iPhone or android and it offers many of the same services I can offer you by phone, including stock purchases, so, in the future that's just a little info for you if you are looking into that, when you get of the phone with me you can create an account.

utterance: OK. So, that's something I could sign in and I could find my stock info there?

utterance: Yes, absolutely.

utterance: OK. Thanks a lot.

utterance: Thank you, thanks for calling, bye bye.


utterance: Thank you for calling Intellibank, how may I help you?

utterance: Hello, how are you doing? This is Robert Jackson and I was calling in regards to getting myself some. I need a, you know have a payment solution in I think it's order in checks I believe.

utterance: Order in

utterance: Checks? Absolutely. I can help you out with that sir. And you said your name was Robert Jackson?

utterance: No~

utterance: Yes sir. Now another thing, is it going to be book, booklet or is it just a copy paper sheet that you send over email? Or you mail? What is the process? Because I'm kinda hearing multiple things.

utterance: You can do online bill pay if you have your employee's information. or we can also do mailing check booklets to you. whichever you prefer. Which one is gonna work best for you.

utterance: OK.

utterance: The one that would work best for me, but right now we don't have our we're updating our algorithm software for payment solution, for direct deposit, for direct deposit so yeah we gotta wait on that one but I think ordering checks out probably the best option for us. So how long, what is the process of it being there?

utterance: it will take approximately two business days for the checks to arrive. OK.

utterance: Oh.

utterance: OK, so it takes two days to arrive. OK I can have that, that's actually great timing. one moment, one moment.

utterance: OK.

utterance: Hello sir, are you there?

utterance: Hi, yes.

utterance: OK, my bad. All right. So what what is the game plan here to get this thing rolling so I can.

utterance: Yes.

utterance: No problem.

utterance: Well if you give me your date of birth and your ID number I can look up your account.

utterance: OK, all right, well here it is. It is, my date of birth is zero four twenty-five nineteen eighty-five.

utterance: Got it. And can I get the number of checks that you would like for me to mail to you?

utterance: Yes sir.

utterance: I need about one ten.

utterance: A hundred and ten checks OK and what is the shipping address you would like for me to send this?

utterance: shipping address is seven three seven Eva Pearl Street Batten Route, LA Louisiana.

utterance: OK, great and the ZIP code?

utterance: Seven zero seven one four.

utterance: Got it and and what was the number of checks you said you going to mail?

utterance: I need to mail a hundred and ten.

utterance: A hundred and ten.

utterance: Yes yes yes and let me ask you with getting these, do I get any type of you know points or discounts or anything like that, cuz we probably gonna be doing this frequently now and maybe the new norm for us, so going forward we probably won't do direct deposit so much right now, we'll just be sending out the checks and things that of that nature so can I put this on autopilot? Is it an extra fee to do so?

utterance: No.

utterance: Yeah, I can make this recurring mailing so that you get a hundred and check ten checks monthly if that is gonna suit your needs.

utterance: Oh, all righty. Oh. One moment sir, I'm sorry one moment. Let me let me check something out real quick. one one one moment. OK I'm sorry sir and I'm back. My I had to check my my documents real quick but yes, OK I think this is going to be a best option for for us, I mean my company. hundred and ten, that I think that will be good for now. we'll be getting more in the near future and because I'm doing this and I guess I've been with you guys for a while, it's no extra charge, no additional charges.

utterance: Sure.

utterance: No problem.

utterance: Excellent.

utterance: That's correct there is no charge for ordering checks so this will be no charge to you. in the future, you will be getting a hundred and ten checks monthly and if you need to change that or look at anything regarding your statements or disputing any charges or anything of that nature, you can go on to your portal through the Intellibank dot com website, entering the information that you just gave me and you'll be able to see your account and look up anything else.

utterance: Oh really?

utterance: I love it. All right. Well that that's that's pretty much it man. yeah, I don't know why I didn't do this earlier. definitely should have got on this got got the ball rolling on this. I mean even though it's old fashioned hey, it still works.

utterance: Well.

utterance: Sure.

utterance: It still works man, these new stuff. These new. Kids man, you know you try to keep over these kids man, you you you get ran behind so just gotta go with what works for you.

utterance: Whatever works. Right?

utterance: Excellent, well I'm glad we could help you out today. is there anything else I can help you out with?

utterance: Nope, I think this was it. This was great, I greatly appreciate you man, so thank you so much.

utterance: Excellent.

utterance: Thank you so much thank you for doing business with us. And please let us know if there is anything else we can do for you.

utterance: All right, thank you man.

utterance: Thank you, goodbye, have a good day.

utterance: All right, you too. Is there a survey that needs to be done?

utterance: no, this is it.

utterance: All right. .

utterance: Thank you so

utterance: Much.


utterance: Thank you for calling Intellibank. This is Jenna speaking. How may I assist you today?

utterance: Hi Jenna. How are you doing today?

utterance: I'm doing very well ma'am. Thank you so much for asking. How about yourself?

utterance: Oh I'm doing great thanks. well I was actually calling to see if I could get some exchange rates from you. I with my online orders sometimes I don't know why but I will get them in all kinds of different currencies. and you know I'm just I'm trying to figure out exactly what is what and how much is how much. So I would really appreciate if you could help me out with that a little bit today.

utterance: Yes ma'am I'd be more than happy to assist you with that today. let me get some information from you so I can pull up your account OK?

utterance: Oh OK. What info do you need Jenna?

utterance: May I have your name please?

utterance: Yeah this is Susan S U S A N. And my last name is Bower B O W E R.

utterance: Thank you so much Ms Bower. I have your first name as Susan S U S A N and your last name as Bower B O W E R.

utterance: Yes ma'am that's correct.

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

utterance: Sure, my birthday is January the fourth nineteen ninety-one.

utterance: Thank you. I have January the fourth nineteen ninety-one.

utterance: Yes ma'am.

utterance: Thank you and may I have your pin number please?

utterance: yeah I I'm sorry I can't remember numbers to save my life. I have that written down in the office. Could you hold for just one second Jenna and let me go grab that?

utterance: That's not a problem whatsoever Ms. Bower just let me know when you've returned.

utterance: OK thank you Jenna. OK I'm back Jenna. Are you still there?

utterance: Yes ma'am Ms. Bower I sure am. Were you able to locate your pin number?

utterance: Yeah that is zero seven seven zero seven one five four.

utterance: Thank you. I have zero seven seven zero seven one five four?

utterance: That is correct.

utterance: Thank you so much. And I know we already have this on file but may I verify your phone number please?

utterance: sure. My phone number is area code seven one six four six five zero zero five one.

utterance: Thank you so much. I have area code seven one six four six five zero zero five one?

utterance: That is correct.

utterance: Thank you so much. And what is the source currency that you would like to get the exchange rate for?

utterance: I need that. Well real quick I have a question. I know these change all the time right?

utterance: Yes ma'am they sure do. The it fluctuates quite frequently.

utterance: OK do you know like how often it is that the exchange rates change? I mean like with these values still be correct this afternoon? Or does it change daily?

utterance: All right ma'am with the exchange rates they actually they can fluctuate by the minute.

utterance: Oh wow. OK I didn't realize that.

utterance: Yes ma'am.

utterance: And just to let you know if it's a little bit easier for you. We do have a vary and exchange rate calculator. It's located on our online banking website at WWW dot Intellibank dot com. So in case you're needing to check it at odd hours of the night or you just don't feel like calling in then that's always available to you. But just to let you know now we are here to help you with anything you need. Any kind of information you need.

utterance: Oh OK well Jenna thank you for that. And since I actually already have you let me go ahead and get the first the exchange rate for the US dollar and the destination currency would be for Euro.

utterance: All right Ms. Bower right now one US dollar is equal to point eight seven Euro.

utterance: All right one US dollar point eight seven Euro. Thank you. And how about from the Euro to the Japanese yen?

utterance: The current exchange rate for that ma'am would be one Euro would be one three zero point nine four Japanese yen.

utterance: All right so one Euro would be one thirty point nine four yen correct?

utterance: Yes ma'am.

utterance: All right and just one more. How about the US dollar to the Canadian dollar?

utterance: All right ma'am at the current exchange rates one US dollar would be equal to one point two five Canadian dollar.

utterance: All right so one US to one point two five Canadian?

utterance: That is absolutely correct.

utterance: OK well thank you so much for your help today Jenna and thank you for that information about the calculator too. Thank you.

utterance: Yes ma'am Ms. Bower was there anything else I could assist you with today?

utterance: No ma'am that'll do it. Thank you.

utterance: And thank you so much for calling Intellibank and you have a wonderful day.


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

utterance: Hi Nicholas. I'm calling about the FAQ required business documentation. The items I would need to send in to open up a new account for take out a loan. And Oh also I need a real estate loan. That's right.

utterance: OK I can help you with both of those things. No problem. And you said that you already have an account with us?

utterance: Yes I do.

utterance: All right well let's go ahead and start by getting your full first and last name as it appears on your account.

utterance: OK my name is Champ Edwards.

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

utterance: July twentieth nineteen eighty-six.

utterance: And what is your four digit PIN?

utterance: Four one four one.

utterance: And what is the six digit account number?

utterance: Nine one two six four five.

utterance: All right. So just to let you know I we will not be able to let you know whether you are approved for this loan today. There are some requirements as you mentioned there's our FAQ required business documentation and those are going to need to be physically printed out and either brought in to one of our branches or mailed in to us here. and that's just for simple documents. That would be a copy of your business license. Copies of two years of personal attached returns. Copies of two years of business tax returns. And copies of two years of year-end financial statements. Now everything else I can take down from you today.

utterance: OK.

utterance: All right.

utterance: You know you're the first person I think I've called, in any sort of business, that you don't ask me Champ is my real name. Like you just said Oh yeah you're Champ Edwards.

utterance: Yeah you know we get a lot of names here all day long and yeah I am more than willing to call anyone by whatever name they are preferred so if you say your name is Champ then I am going with Champ.

utterance: Yes it's my name it's on the card. It's I mean to be honest with you it I'm named Champagne. But I didn't really like that. Especially I got teased a lot as a kid growing up. So I changed it to Champ. Cuz it's just it sounds a little more you know. Like a real name versus Champagne.

utterance: I don't blame you.

utterance: Yeah.

utterance: should I call you Champ? You prefer Champ?

utterance: Yeah.

utterance: Nah. Yeah. Yeah. Please stick with Champ thank you.

utterance: OK. Thank you, Mr. Champ. can I get your Social Security number?

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

utterance: Fantastic. And I'm gonna need a state issued ID or driver's license number.

utterance: OK this is Colorado so it's C O nine two six eight four four.

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

utterance: Tax ID that is six two six. Zero zero seven three eight one.

utterance: All right. And I'm going to need the email address that we have on file for you.

utterance: yeah. That is the Champ E on like I O N but I pronounce E N.

utterance: Gotcha.

utterance: The champion at Yahoo dot com.

utterance: and what is your business name?

utterance: Business name is Moriarty mechanics.

utterance: All right. and are you the sole owner?

utterance: I'm the co-owner.

utterance: and what is the full name of the co-owner?

utterance: Michael Moriarty.

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

utterance: we became partners on the business, official became business. November first nineteen ninety-one.

utterance: All right. And what are your gross annual sales?

utterance: Two hundred and seventy-five thousand dollars.

utterance: And you already have a property in mind for purchasing?

utterance: We do.

utterance: and how much is that property gonna cost?

utterance: Roughly three hundred thousand dollars.

utterance: All right. Well that is all the information that I need from you here on the phone. So just go ahead and send in those documents that we talked about earlier. And we can get your results in seven to ten business days.

utterance: OK thank you.

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

utterance: No, that should do it.

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

utterance: You too.