utterance: Thank you for calling Intellibank. This is Gwen how can I help you?

utterance: Hey Gwen how are you doing today?

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

utterance: I'm doing really, really good.

utterance: OK.

utterance: So yeah. I I I gotta say like, it's a beautiful day. Feeling the the sunshine today here in Nashville. I'm feeling the good vibe. I'm feeling the fresh air. It just just soaking it in. I I just got to share that with you and I hope you are feeling and experiencing the same things today as I am.

utterance: Mhm.

utterance: Well so, you know what, so you're in Nashville. I have been wanting to go to Nashville for so long. Is it as cool as I read that it is?

utterance: I so, I I've only been here. No, no but anyhow, I've only been here a few years. and it it is, you it's it is is a party city. Party town.

utterance: Are you a native? Oh, OK. That's what I was gonna say. Yeah.

utterance: OK.

utterance: OK.

utterance: there's a lotta cool things to do. There's a lotta history. And even the few years I've been here, I probably haven't even done ten percent of the things yet.

utterance: Mm wow.

utterance: Yeah. And then you know part of that is due to the pandemic and just part of it just being so busy in life.

utterance: Right.

utterance: but it is a beautiful city. The people are amazing and beautiful. and

utterance: Yeah. That's what I heard.

utterance: I heard I heard the people are really nice and really inviting.

utterance: Yeah.

utterance: They really are. It's. It is amazing, but you know there's the whole torrid tourist trap parts of the city.

utterance: Yeah.

utterance: Right, right.

utterance: which even for the people who live here. Like I've gone down to those spots occasionally and I end up having a blast. Just. Just an absolute blast. And then when you know, friends and family come to town, they want to go to those spots so you're down there and it is a good time, I got to admit. It is a good time.

utterance: Right. Right.

utterance: Mhm.

utterance: All right well I definitely need to like, put that on my bucket list and get down there.

utterance: You should. and and don't let like before I even came here I thought to myself you know, Nashville, you immediately think country music.

utterance: Absolutely.

utterance: Right.

utterance: And it's not. And I mean yes, there is the country music but it's it's just a music city.

utterance: right.

utterance: It truly is music city.

utterance: Wow OK well I'm I'm in Missouri so, I'm like definitely dying to come there.

utterance: Well, come on down, come on.

utterance: I'm gonna do it. I'm gonna do it.

utterance: Probably by the summer.

utterance: Do it up. Let's go.

utterance: OK.

utterance: And I'll look you up.

utterance: Well you probably will have my information in about thirty seconds.

utterance: OK so I'm so sorry. So how can I help you today? What can I do for you?

utterance: I just, I wanted to get a a loan payment set up.

utterance: Absolutely. OK great, so OK what's your first and last name, and your date of birth?

utterance: For my business account.

utterance: All right, my name is Kevin Bryant.

utterance: B R Y A N T? Bryant? OK. OK.

utterance: Yes. Yes. And my

utterance: Birthdate is November twelfth nineteen seventy-nine.

utterance: Mhm.

utterance: OK Mr. Bryant. And what's your PIN number?

utterance: It's one two seven nine.

utterance: OK. And do you have the loan account number on you?

utterance: hang on one second let me get that for you.

utterance: Sure. Take.

utterance: Your time. I'm here.

utterance: OK it is.

utterance: Mhm.

utterance: Zero.

utterance: Mhm.

utterance: Eight eight six three one seven four five one.

utterance: Mhm.

utterance: OK. I'm just gonna read that back to you because the beginning of it kind of broke up and I want to make sure I have the right numbers

utterance: Of.

utterance: Course. Yeah, sure.

utterance: Did you say zero eight eight six three one seven four five one?

utterance: I did yes.

utterance: OK perfect. OK. And do you have the payment bank account number on you? All right.

utterance: yeah. That.

utterance: Account number is oh one nine one five six three seven two eight.

utterance: OK.

utterance: Mhm.

utterance: OK.

utterance: Mhm.

utterance: Perfect. OK and then, do you happen to have the routing number for that?

utterance: Sure are asking a lot of questions.

utterance: I know.

utterance: I know I'm so sorry.

utterance: All right.

utterance: That That number is. I do have it. It's zero one three.

utterance: I'm sorry.

utterance: OK.

utterance: Mhm.

utterance: Mhm.

utterance: Zero zero.

utterance: Mhm.

utterance: one one six five four.

utterance: OK. And what would you like the payment date to be?

utterance: the eighteenth.

utterance: OK. So you want to do that like monthly? It'll just go to eighteenth every month?

utterance: Yeah. That would be amazing. Sure.

utterance: OK. Let me.

utterance: Set that up. Just give me a second. It's gonna go through. And then I'd like to send you an email confirmation on all this.

utterance: OK.

utterance: So, can you verify your email please?

utterance: Yeah it's Kevin Bryant seventy-nine at Gmail dot com.

utterance: Mhm.

utterance: OK is the K capitalized?

utterance: It is.

utterance: OK. All right. There we go. All right so I sent you the email. And Mr. Bryant is there anything else I can help you with today?

utterance: no I think that's everything.

utterance: OK great. Perfect. Thank you so much for calling and have a great weekend.

utterance: You too I hope to see you in Nashville.

utterance: Yeah! OK thanks. bye.


speaker_role: Agent

utterance: Thank you for calling Intellibank. This is Kevin Johnson, where we are for the people by the people. Who do I have the pleasure of speaking with?

speaker_role: Customer

utterance: Hi. you have the pleasure of speaking with David.

utterance: Willy? Mr. David Willy. Thank you, sir. And how can I help you today?

utterance: So, I need two things. I need us to set up an appointment with the risk specialist and I need us to set up an appointment with notary.

utterance: OK, sir. That's no problem. I can take care of that for you. So, name? May I get your name and birth again?

utterance: So my name is gonna be David. Mr. David. D A V I D. Willy. W I L L Y.

utterance: Alrighty. Mr. Willy. Yes, sir. OK. And may I get your date of birth?

utterance: Zero five twenty-nine nineteen ninety-two.

utterance: OK. All right. I have that for you. And you said you wanted to set up an appointment for a risk specialist. Correct?

utterance: That is correct.

utterance: OK, sir. I'm gonna need the street to your address.

utterance: yes. Let me know when you're ready.

utterance: I am ready, sir.

utterance: OK. I have one three nine.

utterance: All right.

utterance: Pico Street. P I C O.

utterance: Mhm.

utterance: Mhm.

utterance: Street.

utterance: And what city is that in?

utterance: Los Angeles.

utterance: All right. And what. OK. State. Obviously, California.

utterance: ZIP code, nine one four zero six.

utterance: OK, sir. And let me get the last four of your Social?

utterance: Absolutely. It's six six nine three.

utterance: All righty, sir.

utterance: And just a little bit on why I'm calling. I have a

utterance: Oh.

utterance: Just one more I didn't mean to cut you off. I need your driver's license number.

utterance: No.

utterance: Problem. But I'm definitely going to tell you why I called first. I own a I own a a bean company. A coffee bean company. And we produce coffee that's not black. Not to say that, you know, there's anything wrong with that, but our coffee is a little bit brownish to the tan color so we offer natural Arabic coffee. That's particularly while I'm why I'm calling but now I can give you what you need.

utterance: OK.

utterance: Oh.

utterance: First, man, that sounds really good.

utterance: Yeah, if you could put those in a note section and hey, if anyone in the company, needs some coffee beans from an Arabic coffee you know.

utterance: wow. Well every call is prerecorded man, so you know my boss just may go ahead and do that, man. and buy both for you.

utterance: Nice.

utterance: Sounds like I just made twenty thousand dollars.

utterance: Awesome, man. Awesome Awesome, man. well, congrats on your business adventures and I just pray it goes worldwide, man.

utterance: Will do. Thanks.

utterance: All right. So, moving forward, so I can get you on with the risk specialist. Can I get your driver's license.

utterance: Two seven three.

utterance: Uh-huh.

utterance: Nine nine two.

utterance: All right.

utterance: One eight.

utterance: One eight.

utterance: And I'm available any time next Wednesday. morning area. Nine a.m..

utterance: Morning area.

utterance: Let me check if we have any available. cuz man, it it it pretty gets. Gets booked pretty quick.

utterance: Well, I definitely understand.

utterance: Yes, sir. One moment please. OK. We have available dates. You said next week for you?

utterance: Mhm.

utterance: OK. Next week we have Thursday at nine o'clock or we have a little early. We have Tuesday at twelve.

utterance: I can do Thursday at nine.

utterance: Thursday at nine and would you like that by phone or would you like that in person because now we have opened fully back in person.

utterance: OK.

utterance: we've We're following the full COVID protocols.

utterance: No.

utterance: Everything is clean. Sanitized. And you just bring in your mask.

utterance: Yeah, let's go ahead and do in person and that way I could possibly meet with the notary as well.

utterance: OK. Exactly. You want the notary as well. OK. Cool. I'm gonna just put down your information here. You want to meet with the notary as well. can I get. I'll just. I can jot down your information. It's going to be the same for the notary.

utterance: OK.

utterance: All right. So you want to do Thursday in person?

utterance: Yes, sir.

utterance: At nine. At.

utterance: Nine a.m..

utterance: Nine a.m. for you. OK. Cool. I'll jot that down in the notes. There you go. OK. Alrighty. I think we have that going down for you, man. So, that's going to be it. One moment, sir. Let me make sure we lock this in for you.

utterance: Yes, sir.

utterance: OK. And and is there anything that I need to bring as far as like the LLC or EIN or anything?

utterance: Yes. You need to bring your LLC documents and your EIN number.

utterance: OK.

utterance: And also too you wanna bring in your pay stubs and your ID. Identification and everything like that. You don't know. You don't want to lose that or you know, forget that at home, so it's always good to bring all the identification so they can verify it and make sure that it's it is your business.

utterance: OK.

utterance: All right and that's that's it, sir. So I have you all locked in for nine a.m. Thursday in person. And you will be meeting with Robert Johnson one of our top notaries. So, welcome and hey, man, more success to you and your business and your life.

utterance: Thank you so much. I appreciate everything that you all do at Inzellez bank.

utterance: Intelli~

utterance: Intellibank.

utterance: Oh, I'm very sorry about that.

utterance: It's OK.

utterance: Man.

utterance: but thank you and I look forward to coming in.

utterance: All right. Thank you for choosing us. And we appreciate you. God bless.

utterance: Thank you.


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

utterance: Hello Jason I I'm looking at some real estate for my business. I'm trying to get a little bit more space. and I don't know if Intellibank offers any kind of loans, for me to help get this real estate? But I just thought that I'd at least call and try to like just see and see if a possibility, cuz I'm just calling around to a bunch of places to see you know? How I can afford this place which, well I can't afford at the moment but if I can get it, I think it'll really help my business. And, make it so that I can you know? Have a lot more money to use at your bank so

utterance: Well I totally understand, and I'm sure we'll be able to help you today. Are you an existing Intellibank customer?

utterance: I am.

utterance: All right. Well, why don't we start by pulling up your accounts.

utterance: OK.

utterance: What is your full first and last name?

utterance: Ryan, R Y A N. Last name's Kelly. sorry, K E L L Y.

utterance: And what is your street address with city, state and zip?

utterance: the for the, where I want the loan, or for where I live now? .

utterance: what we.

utterance: What we have on file for ya.

utterance: Oh, OK. This is like security questions?

utterance: Yeah.

utterance: one zero one one West Ninth Street, Los Angeles, that's zip of nine zero zero zero five.

utterance: All right. Now I'm going to need your social security number.

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

utterance: And then we're going to need your state issued drivers licence or ID number

utterance: Is it because I'm applying by loan or is it because I just.

utterance: Yeah, we like to get all this stuff taken care of so we can jump right into the process one we have your account pulled up.

utterance: cool, I just have never been asked this before. It's usually pretty fast. Get through the problems correctly

utterance: Have you ever applied for a loan with us before?

utterance: but I don't know if I'm applying I just am calling for information about it, you know

utterance: Oh, you're applying.

utterance: Yeah maybe, you know, I I hope I am if it's a good deal for me but anyway, yeah, I'll go get my drivers licence. Hold on.

utterance: Take your time.

utterance: OK. Here it is. F three nine seven four one eight six.

utterance: Great, I'm just gonna need the four digit PIN associated with this accounts and I can pull up the accounts.

utterance: Cool, it is three nine one nine.

utterance: All right. Well, thank you for being an Intellibank customer.

utterance: You're welcome.

utterance: I I'm seeing here that we have two types of loans that we can offer you. we have our standard real estate loan. And we have our SBA seven A loan.

utterance: What is the difference?

utterance: the difference is that with the SBA seven A loan that maybe available for forgiveness. If you keep enough employees employed by your company.

utterance: OK.

utterance: And the the process for applying for both of them is the same. So we can fill out One application and apply for both.

utterance: what's the benefit of the SBA one?

utterance: Well, the benefit of the SBA is it is possibly possibly forgivable.

utterance: But that's what you said about the other one.

utterance: no, the real estate loan is not.

utterance: Oh, so the SBA one is the one you were talking about?

utterance: Yes.

utterance: so what's the benefit of the other one?

utterance: Well if you don't qualify for the SBA seven A loan, then I would suggest the real estate loan but we can file both applications at the same time.

utterance: So it's easier to get accepted for the real estate one?

utterance: Correct.

utterance: Because of the forgiveness?

utterance: Yes.

utterance: Do they offer like the same percentage rates?

utterance: I won't be able to tell you that until you apply. That's gonna depend on the address of the real estate you're looking to purchase, the real estate cost and how much you can afford as a down payment.

utterance: OK. though. .

utterance: Do you.

utterance: Do you have all that information?

utterance: I, it is, yeah I do, I just I'm just gonna go talk to my accountant, just about what they would recommend between those two and and then I I'll call you back Because I forget what she was saying about the SBA one versus I just wanna see if I even have a shot at that it so I'm gonna give you a call back if that's OK?

utterance: That's absolutely fine.

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

utterance: Thank you for calling Intellibank, you have a wonderful rest of your day.

utterance: You too.

utterance: Bye.


utterance: Thank you for calling Intellibank, this is Nova, how can I help you?

utterance: Hey Nova, how are you doing this morning?

utterance: I'm doing really well.

utterance: For, I I gotta say first off, I love your name. Please tell please tell me your parents were like a fan of Planet of the Apes.

utterance: Oh my Gosh, absolutely.

utterance: There you go.

utterance: Oh my God, like, yeah, they they are huge huge Planet of the Ape fans. And thank God they did not name me Charlton because they were playing with that. They were actually going to name me Charlton even as a female but yeah, they loved that movie so much, and yeah, I'm named after Nova, the you know.

utterance: Wow.

utterance: It is you know.

utterance: The female

utterance: Human.

utterance: Yeah. That's You know what?

utterance: How did you

utterance: Know that? That's crazy.

utterance: I'm a huge

utterance: Planet of the Apes fan, and regardless, I just think it's a beautiful name.

utterance: Oh, thank you so much.

utterance: So.

utterance: So there you go. And you almost cured me of my hangover, I'll say that.

utterance: You have a hangover oh my gosh.

utterance: I have a

utterance: Very very bad hangover.

utterance: Oh

utterance: No, what were you doing last night?

utterance: I mean

utterance: It was Saturday night but.

utterance: Well, you know.

utterance: Isn't it

utterance: Interesting that we're open on Sunday? I'm sorry. I'm like I'm hopped up on coffee because we're doing like one Sunday of a month, the month. So you happened to call on the one Sunday that we are open

utterance: But that's that's why Intellibank is so amazing because you guys are so convenient and there for your customers, even if we're drunk and hungover.

utterance: So

utterance: Yeah.

utterance: Wow, what did ya do last night, let me know, please.

utterance: You're here for us.

utterance: So, it you know, it it was business, it was still business related me and a few of my friends, we get together once a month, and and we have our wives with us and all and we're all small business owners and we do like this little dinner get together drinks, good food and just like a catch up of the month for each other for our businesses and you know, what we are learning, you know, just try to share experiences to try to help each other grow their business even bigger.

utterance: Mhm.

utterance: Mhm.

utterance: So, one of my friends mentioned something to me last night and I I I never heard it before.

utterance: Oh.

utterance: And I he he was he kept he kept trying to drill it in my head.

utterance: Mmm.

utterance: And he was drilling it in my head with shots so

utterance: What kid of shots?

utterance: Oh, it was Southern Comfort.

utterance: Wow.

utterance: Yeah

utterance: There's a lot of stuff that are going on.

utterance: Well, I haven't

utterance: Had those in so long like I'm I'm sorry I'm asking a lot of questions I'm like living vicariously through you because I just have no time to go out and have fun so like when I know that people have had fun, I wanna hear about it.

utterance: Oh that's all right.

utterance: Well, Nova, I'm telling you now life is too short not to have fun.

utterance: Mhm.

utterance: I know you're right you're right, you're right.

utterance: You know it's.

utterance: It can all change in a second so.

utterance: True, true.

utterance: You gotta live it up this second and the next and the next, whatever seconds you got.

utterance: Yeah.

utterance: You gotta live it up. So, we were living it up night, we were Livin' la Vida Loca and yeah, he, I'm trying to think what it was called, it was the Quick I wanna say like liquid

utterance: Oh yeah.

utterance: The quick liquidity ratio. Yeah I know it.

utterance: OK.

utterance: You, wow, OK,

utterance: Yeah, I can check that for you, no prob.

utterance: OK. What do you need from me?

utterance: So like

utterance: Let me just tell you like so the quick liquidity ratio, that's what you're looking for.

utterance: OK.

utterance: I'm pretty sure I don't know anything else that your friend might have been talking about.

utterance: It's it's

utterance: It sounds like it. It sounds like it.

utterance: But

utterance: It it measures.

utterance: If you wanna pour me a

utterance: Shot it might remind me.

utterance: It measures a companies ability to meet it's short term obligations.

utterance: OK.

utterance: And it's calculated by dividing the value of certain company assets by the value of the current liabilities.

utterance: Mm.

utterance: Does that make sense to you?

utterance: Cuz I know you're hungover.

utterance: Yeah.

utterance: And I don't know if that makes sense.

utterance: That's a lot to take in.

utterance: Yeah, that's a lot. OK, so, OK, let's start with what's your full name and date of birth?

utterance: my name is Larry Wilson.

utterance: OK.

utterance: And it's April eleventh nineteen seventy-eight.

utterance: Nice. OK. And what is your PIN number, Mr. Wilson?

utterance: Eleven seventy-eight.

utterance: And what time period, do you know what time period you'd be looking for, I know that you I'm not sure about this but.

utterance: Well I guess .

utterance: Like for the last quarter?

utterance: Just the last

utterance: Quarter, yeah. Let's go with that.

utterance: OK.

utterance: OK. Let's see, let's look it up OK so, yours would be point two five.

utterance: Wow. OK.

utterance: OK and then let's see, is there anything else I can do for you? Mr. Wilson, while I have you on the phone? Do you need anything else?

utterance: No, that's it. I, so now I'm going to have to call my buddy up and see how hungover he is and explain to him my point two five and see if he approves or not.

utterance: Right.

utterance: all right well I it was a pleasure talking to you.

utterance: You too,

utterance: Thank you so much Nova.

utterance: And

utterance: Yeah, and thank you for being part of Intellibank.

utterance: You too, take care.

utterance: Have a great

utterance: Day. Bye bye.


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

utterance: Yes I would like to apply for a loan for my business.

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

utterance: It's Jill Baker.

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

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

utterance: Thank you Jill. So what type of loan are you wanting to apply for today?

utterance: I'm thinking I want to apply for a secured loan. I have some land that I inherited from my aunt. I can put that up for collateral if necessary.

utterance: All right.

utterance: I'm gonna get some information from you real quick here Jill. So what is your account number?

utterance: Three four six zero, two nine nine eight.

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

utterance: It's Johnson Controls, and it's a manufacturing company.

utterance: Thank you for that information. What is your date of birth, Jill?

utterance: March second of nineteen eighty.

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

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

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

utterance: Kansas City, Missouri.

utterance: And what is your street address?

utterance: Five three nine, Heaton Road. Kansas City.

utterance: Thank you. And the ZIP code there?

utterance: Seven three eight, two zero.

utterance: All right. So I'm gonna ask you a whole bunch more information here real quick. What is your social security number?

utterance: Seven three eight, zero two, zero seven eight three.

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

utterance: Oh it's M as in Murray nine three seven zero zero two zero zero.

utterance: Thank you. And is that a Missouri license?

utterance: Yeah, it's a Missouri state D L license.

utterance: OK. I'm not gonna need your license class but thank you for that information. Jill, are you the current owner of the business?

utterance: Are you the sole owner of the business?

utterance: it's an LLC but yes, I'm the only one on the LLC. I'm the only owner.

utterance: OK. Thank you. Can you tell me when the business opened, Jill?

utterance: It opened on October nineteenth of two thousand and twelve.

utterance: And what does your business gross annually? Do you happen to know what your, what you bring home what you bring in annually for the business gross?

utterance: I think last year it was like five hundred and eighty-nine thousand.

utterance: Thank you. OK. And what is your tax ID number, Jill?

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

utterance: OK. So real quick, I just want to verify again. So that's Johnson Controls, that's the name of your business, correct?

utterance: Yes that's right.

utterance: Can you tell me the address of the business?

utterance: Yeah it's eight three seven two, Hillshire Way, Kansas City, Missouri. eight three six seven two.

utterance: OK. And can I confirm and email address for you?

utterance: Its J as in Jill, Baker B A K E R at Johnston Controls dot com.

utterance: Thank you. And where do you receive your mail? Is that a business address or your home address?

utterance: you can just mail me everything to the business.

utterance: OK. So you want me to mail everything to the eight three seven two Hillshire Way, is that correct?

utterance: Yes, yes that's the business address.

utterance: OK.

utterance: Thank you, Jill. Real quick here, so why are you seeking this loan today?

utterance: mainly we're just trying to grow our business. Just trying to build up. you know, have a little bit of security right now.

utterance: OK. I can understand that. How much are you looking to borrow from us?

utterance: I'd like to borrow around a hundred thousand.

utterance: OK. And you said that you are looking to use land that you inherited as collateral, is that correct?

utterance: yes that's right. That's what I'd like to do if possible.

utterance: Do you know what that land is valued at?

utterance: We had it appraised about a month ago and it was a hundred and thirty-one thousand.

utterance: OK. And what term are you looking for for that?

utterance: I was thinking maybe five years, if possible.

utterance: OK.

utterance: All right. So I've got all this information in here for you, Jill. So what I'm gonna do now is I'm gonna send that through to see if we can get a pre approval for you, OK?

utterance: So if you give me just a moment, I'm going to see what we can get approved, OK?

utterance: It's OK. are you in Kansas City?

utterance: Yes. Yes I am.

utterance: Is it, is it snowing where you are?

utterance: no it's really cold here, but it's not snowing yet.

utterance: I've been stuck in Denver for two days because of the weather here. I've got like ten inches of snow like the very first day I got here.

utterance: Oh my goodness. Ten inches, that's a lot. I bet it's beautiful there though. Denver is just, Denver is just a really pretty place anyways, but with snow I bet it's just gorgeous.

utterance: Oh absolutely. It's it's definitely it's definitely pretty here but but I'm working. So I'm not really getting much done with work because because of the snow. But if I wasn't working I would probably be skiing or something so it'd be fine.

utterance: Well hopefully that clears out for you soon Jill. again it's hopefully it's not snowing when you get back here either Jill I did get that pre-approval for that loan for you. So what I'm going to do now is I'm going to go ahead and send you through to one of our loan agents. And they will gather some additional information from you and work on processing that loan for you, OK?

utterance: OK thank you.

utterance: Not a problem at all Jill. Was there anything else I can do for you today?

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

utterance: All right Jill. Well if you hold on the line I'm gonna go ahead and transfer you and thank you for choosing Intellibank.


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

utterance: Yes. Jerry. my accounting people are telling me I have access cash. Do you have any suggestions of what I could do with that?

utterance: Well. I will need to pull up your account and see exactly how we can be of assistance to you ma'am. If I could ask first, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards if I could ask what is your name of your business on of the account on file with us?

utterance: Jones Bed and Bath.

utterance: Thank you for that. And Ms. Richards, if I could ask a few questions here in order to verify your account. We do take your account security very seriously here. and this is for you and your business' protection. Ms. Richards, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: OK. And happy birthday in advance.

utterance: Thank you. I appreciate that.

utterance: You're welcome. You're welcome. It's just in a few days from now.

utterance: Mhm.

utterance: And Ms. Richards if I could ask, what is your business phone number?

utterance: Six seven eight two zero two eight zero three one.

utterance: OK. Thank you for that. And what's your business address?

utterance: One zero seven five Leyman's Court, Smyrna, Georgia, three zero zero one zero.

utterance: OK. Thank you. And couple of more questions here Ms. Richards. what is your account number that you have with us on file?

utterance: Nine eight four six five nine one.

utterance: And Ms. Richards, what is the PIN number that you have for the account?

utterance: Two seventy-one.

utterance: OK. Thank you for that.

utterance: And let me see if I can get this pulled up.

utterance: OK. Thank you. You know, I am so excited and I don't think I'm not gonna ever be excited when I say that the Braves of Atlanta are the World Series champions. So psyched up about it. Happy and just. I can't express how happy we are about it. It's it's more than just It's. It means a whole lot more than one thing. They are the champions. We're the champions. But it's just the what was going on for us to get there. And to be able to see it, it's just awesome.

utterance: Well congratulations to you on that ma'am and you know, the. It always is exciting when you have a world championship for your city.

utterance: It really is Jerry. I know that it sounded a little dramatic, but it is. It's just that's how wonderful it is.

utterance: I can only imagine the excitement. I can only watch it on television because my team did not win a championship but you know, it's I can see the excitement on the fans' faces.

utterance: Oh, they went wild. And the players are just fantastic.

utterance: I can believe that. That's what why that is why your team won the championship. You've got fantastic players.

utterance: Yes.

utterance: Well Ms. Richards, I was able to go ahead and verify your account and as you noted, you have excess cash that you mentioned, that you aren't really sure or certain as to how to manage. And so what I would likely suggest is you schedule a time to meet with one of our financial advisors and they can walk you through your financial situation for your business and make suggestions as to what financial instruments might be options for your business to help your reserves grow. that you don't particularly need, as you've noted, it's excessive. So, would that be something you'd want to do to maybe schedule a time to talk with one of our advisors who can really guide you through what our various options are for your business?

utterance: I certainly would.

utterance: Well terrific Ms. Richards. Let me just ask, are when would you like to schedule an appointment?

utterance: I'd like to see if I could schedule one for November the fifteenth.

utterance: All right. All right. November fifteenth. And what time on the fifteenth were you looking to schedule an appointment?

utterance: Ten thirty.

utterance: All right. So, ten thirty on November fifteenth. And what were you looking to do Ms. Richards as far as meeting? Were you looking to schedule this for online or in person?

utterance: Is it possible to do it in person?

utterance: Yes. you can schedule this. What's the ZIP code that you're in?

utterance: Three zero zero one zero.

utterance: All right. Three zero zero one zero. And that would be for a location near that ZIP code.

utterance: OK. That would be great.

utterance: All right. OK Ms. Richards. I've gotten this locked in and confirmed for an appointment for November fifteenth at ten thirty a.m. to meet with one of our financial advisors who can really walk you through what the options are to put to work that excess cash that you and your business has so that it can grow for you while you don't particularly need it for your day to day operations.

utterance: Well I I really appreciate that. You know, to have access like that, I definitely want to make sure I do the right things with it and get the right advice.

utterance: Absolutely. Ms. Richards, we certainly appreciate you giving us a call to assist with your financial management needs. And we very much look forward to offering you solutions that are sensible and profitable.

utterance: OK. And I I appreciate that and am happy to know that I do have some place I can go to get that done.

utterance: Ms. Richards, is there anything else I can help you with?

utterance: No, not today. I appreciate all that you've done.

utterance: Well Ms. Richards. Thank you for giving us a call and you have a good day.

utterance: You too. Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. Home of the smart savings and the low rate SBA loans. My name's Robert. How can I help you today?

utterance: Yeah, Robert I'm calling to get a credit report today. And I probably need a couple of different well nah. I'll just need my credit report.

utterance: OK, we're just gonna handle that credit report. All right may I may I ask who I'm speaking with?

utterance: Yeah, this is David Bayne.

utterance: David Bayne. OK, Mr. Bayne can you spell your last name for me please?

utterance: It's B A Y N E.

utterance: B A Y N E all right, OK, David we can definitely get that credit report sent to you sent to you. There's a four digit PIN that is associated with your account do you have that PIN number handy?

utterance: five two four one.

utterance: Five four two one all right. put that in give me one second while that pulls up. Here we have it. OK, all right David please verify your date of birth for me?

utterance: eleven fourteen eighty-five.

utterance: Fourteen eight five. and your mailing address please sir.

utterance: I'm not sure which one is on the account.

utterance: OK.

utterance: could you hold on a sec?

utterance: Yes.

utterance: Let's see here. four three six eight Wilbur. should be the right one.

utterance: Four three six eight Wilbur. And what is your city, state and ZIP for that?

utterance: That is LA California nine oh oh two one.

utterance: Nine zero zero two one. OK, fantastic. All right. So we're needing to get you this credit report. What's your social David?

utterance: That is two two two four four six six eight eight.

utterance: Six eight eight. OK, and we have two secured methods that we can deliver your credit report to you. We can deliver through certified mail or a secured email. You'd like the email. OK, go ahead and verify your email address for me David.

utterance: Email.

utterance: OK, David at me dot com.

utterance: David at me dot com keep it simple. all right, so just to let you know that by delivering this credit report through email. It is a secured email like I said before it's a one time charge of twenty-five dollars you can either put that on credit or debit card or we can bill it to your account. Which would you prefer to do?

utterance: OK.

utterance: Are you still there David?

utterance: Yeah.

utterance: Would you prefer to bill the twenty-five dollars to your account or would you like to put it on a credit or debit card?

utterance: Hmm let's bill it to the account.

utterance: Bill it to the account OK, and I have this account number nine zero B S. Is that correct?

utterance: Yeah.

utterance: That's the one.

utterance: Nine zero B S. OK.

utterance: all right, and we'll get that billed. and we'll get your credit report sent to your your email address. Is it just the one email address you need me to send to? OK. all right, so in this email address I'm also gonna include a couple of links for your convenience for our online banking as well as a link for our mobile banking app. So if you need some banking done on the go, questions that you need answered. The people on our help desk are more than willing to help you twenty-four seven.

utterance: Yeah.

utterance: That's.

utterance: OK, that's nice.

utterance: All right, so is there anything else that we can help you with?

utterance: No, I think I think just getting this this report done would be just find.

utterance: OK, definitely keep in mind we have great rates on our SBA loans and you are at a gold checking account level and diamond checking account level is next. So congratulations for that. But David if there's nothing else. Thank you so much for being an Intellibank customer have a great day.

utterance: Awesome you too.

utterance: Thank you.

utterance: All right, bye.

utterance: Bye.


utterance: Hello. Thank you for calling Intellibank. My name is Mikey. What can I do for you today?

utterance: Hey Mickey. I was just hoping to to schedule a payment with you guys.

utterance: You wanted to schedule a payment on one of the accounts you have existing with us?

utterance: Yeah.

utterance: Correct.

utterance: OK. Well do you have a checking, savings? Which account you looking at today?

utterance: I think I have both but I know I have a loan with you guys that I wanted to wanted to make a payment on.

utterance: Oh, you want to make a loan payment?

utterance: Yeah.

utterance: Ok. I can process that for you. I'll do that by phone. This will be a onetime payment I'm guessing?

utterance: Yeah. Hey . Can you hold on a second?

utterance: absolutely. .

utterance: Someone's at the door, hold on.

utterance: Go right ahead.

utterance: Hold on.

utterance: OK. I'm back. Sorry about that. my mother you know she likes to send me you know care packages even though I'm an adult. And even though I live in a residential neighborhood she always you know the you know the signature option?

utterance: Oh.

utterance: Right.

utterance: So I have to go sign for that every time. anyway.

utterance: Well sometimes that nice though. That's nice to hear that your mom is looking out for you.

utterance: Yeah but then I'm not at home and then I have to pick it

utterance: Anyway.

utterance: OK. I'm sorry. I don't know where we left off.

utterance: We were trying to se up a

utterance: Loan payment for you. I just need your first and last name.

utterance: Oh, yeah. OK. Yeah. Robin Davidson.

utterance: Robin Davidson. Robin I'll also need your date of birth and a four to eight digit PIN number.

utterance: Yeah. Date of birth is September third nineteen eighty-four.

utterance: September third nineteen eighty-four.

utterance: And you needed a

utterance: PIN you said?

utterance: Yeah a four digit PIN. Four to eight digit PIN.

utterance: four to eight digits.

utterance: Sorry, I'm just trying to pull up that info here.

utterance: Yeah go for it.

utterance: OK.

utterance: OK. yeah. OK. Here's the PIN. three seven two six four.

utterance: OK. Thank you.

utterance: Just gonna put that in make sure it's verified. Yes, that is the PIN we have on file for you. We'll also need a loan account number. The loan number that you're paying into.

utterance: OK the account I'm paying into.

utterance: Six to ten digits.

utterance: Six.

utterance: To ten, six to ten digits.

utterance: Ok yeah. This is this is it. all right. One three one four four seven six two three.

utterance: Three one four four six seven two three.

utterance: That's verified as well. OK now we need the source of the payment. So that would be the payment bank account number.

utterance: OK. So where money's coming from? Yeah. OK. Yeah that is three eight nine three three four six seven two.

utterance: Correct.

utterance: All right. And also a payment routing number?

utterance: yeah the routing number. Oh, one six seven seven seven three four seven.

utterance: Great. I'll link those accounts make sure one payment can be made to the next. I'll just get a verification here in one brief second.

utterance: OK.

utterance: Sometimes it takes our systems just a moment. But thank you so much for your patience and for being a valued Intellibank customer. It says here you've been with us since two thousand eleven so it's about your ten year anniversary with us.

utterance: Uh-huh.

utterance: Evidently. Yeah, I guess some anniversaries are you know. Maybe some are better than other but. This this one sounds all right.

utterance: I think every ten years we might send out a little gift or something. You might wanna check your email and your spam folder. Some sort of little bonus maybe.

utterance: Well.

utterance: I will keep an eye out. Cuz I haven't I haven't gotten it yet. Yeah. Something to look forward to.

utterance: Mhm.

utterance: Yeah, not a not a promise.

utterance: But but just still be on be on the lookout for those.

utterance: It's a maybe right?

utterance: Yes it's a promo promotion I heard a while back I think.

utterance: OK.

utterance: All right. I've OK I've linked those accounts. So finally I just need to schedule a payment. Which date would you like the payment to happen?

utterance: On the twenty-third.

utterance: The twenty-third of which month?

utterance: this month.

utterance: Just need to hear you say that to verify that as well. So the twenty-third. would that be of April twenty-third?

utterance: That.

utterance: Would be April twenty-third.

utterance: OK.

utterance: Thank you so much Robin.

utterance: April twenty-third is the payment date. And for what amount would you like that to be?

utterance: fourteen hundred.

utterance: That will be one thousand four hundred dollars. The payment going through on April twenty-third. You will receive a verification email on that date.

utterance: And you will also receive a text alert as I see you have signed up for those in your online app. Thank you for doing that and for using the app.

utterance: Can I help you with anything else while I have you on the phone?

utterance: let me think. no I think that's that's all I had to to do.

utterance: Great. Well rest assured that payment will be going through on the twenty-third. And hopefully I've provided you with some good service here tonight. And I thank you again for banking with Intellibank.

utterance: All righty. Have a good one.

utterance: All right. Have a good one.


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

utterance: Hey how you doing Jerry? I got something this morning to sign interest rates. Can you explain it to me?

utterance: sure. you said you got something how did you get that?

utterance: Oh it was on my email. You know I'm wondering maybe you can explain it to me in a little more detail.

utterance: All right. Sure. Happy to assist you with that. If I could just ask a little bit information so I can pull up the your account and see what exactly we sent you. what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman what's the name of the business on file with us?

utterance: Ray's Construction Company.

utterance: OK and Mr. Freeman I'm gonna ask you a few questions in order to verify your account. Because we do take your account security very seriously here. And this is for your protection. Is that all right if I ask a few questions?

utterance: Yes go ahead.

utterance: All right. Thank you for that Mr. Freeman. I'm going to wanna know first of all what is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: And Mr. Freeman what is the account number on file with us?

utterance: The account number is nine eight four six five nine, one nine.

utterance: Thank you for that. And what is the PIN number on your account?

utterance: That PIN number is one seven zero nine.

utterance: OK. Thank you Mr. Freeman. I was able to verify your account with us. It appears that you have a business total checking account with us.

utterance: Yes sir. That's correct.

utterance: And as I pulled up the account it is apparent that we sent you a notice regarding in that email about our very attractive interest rates that we're offering. As a matter of fact they're the lowest they've been all year long. On our term loans that many businesses use in order to finance growth. finance their various needs for their business. Be it for machinery. for working capital. For of course expansion and for many other reasons that businesses do look to offer or have need for those funds. with that being the case at these very low interest rates these are the lowest they've been all year long. And we already offer some of the lowest in the state. this is a terrific time for businesses to be able take advantage of of that. Would that be something that you would be interested in?

utterance: Yes I will be interested. Yes sir I will be interested in that.

utterance: Well terrific. I'd be happy to assist you with your application.

utterance: Thank you. I I'd like that very much. you know I was watching the Braves. And they're really playing pretty good right now. I think they can just about win it all.

utterance: I think I'll they surprised a lot of folks there Mr. Freeman. They have come out of the blue. and many were thinking that LA Dodgers was gonna win. Or some of these others but Houston was a good team. It is a good team. But Atlanta has really shown I think the world that they're up to this up to the job.

utterance: Oh yes. They they sure surely have. I mean they got the attention of the world. And I'd like I said I believe they can win it all.

utterance: I I think a lot of folks agree with you. Plus a lot of folks kinda root against the Astro's because of their history of cheating

utterance: Yeah well. Yeah your sins will find you out.

utterance: There you go. There you go. Welp Mr. Freeman I'm just gonna again go ahead and ask you a few questions in order to start your loan application for these terrific interest rates that we're offering you in the email notice. if I could ask what is your personal address?

utterance: my personal address is one forty-one Oakwood Avenue Avondale Estates Georgia three zero zero zero two.

utterance: Terrific. And I'm gonna ask again just in case. what was your PIN number?

utterance: Oh my PIN number. is one seven zero nine.

utterance: Thank you for that. I just needed to re-verify to ensure that I had that on file. and what is your social security number?

utterance: Oh my social security number is, is two three five zero six eight two, six eight.

utterance: Thank you for that. And what is your driver's license number?

utterance: My driver license number is zero nine two five nine eight two two.

utterance: And what is your business address?

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

utterance: OK. And the city and state is Smyrna Georgia?

utterance: That's correct.

utterance: All right. And the driver's license number that state is in is it also in Georgia? Or is it somewhere else?

utterance: That's in Georgia also.

utterance: OK. Thank you for that. And what is the business mailing address?

utterance: Well the mailing address is three six eight eight Layman Court Smyrna Georgia. Three zero zero eight zero Smyrna Georgia.

utterance: OK. Thank you for that. And what is the business email address?

utterance: The email address is B Freeman at Ray's Construction dot com.

utterance: And one thing here. What is actually your personal email address?

utterance: My personal email address is is B Freeman one at Ray's Construction dot com.

utterance: All right. And are you the sole owner Mr. Freeman?

utterance: Yes sir.

utterance: And when was your business established?

utterance: May the seventh nineteen eighty-four.

utterance: Thank you for that. And what is the gross annual sales for your business?

utterance: twelve million.

utterance: And what is the tax ID number for your business there, Mr. Freeman?

utterance: That tax ID number is nine eight three four five six seven eight nine.

utterance: And what is the amount of the loan that you'd like to apply for?

utterance: one million.

utterance: And do have any idea of what the term is of the loan that you'd like?

utterance: forty-eight months.

utterance: All right. Thank you for that there Mr. Freeman. And if I could ask what is the purpose for the loan?

utterance: equipment.

utterance: OK. Thank you for that. And Mr. Freeman I've gone ahead here and I'm wanting to make sure we have everything and get this processed into the system. For your application. And what I'll do is submit this over to our loan department. And what they'll do Mr. Freeman is they will go ahead and review your application for your business there. And of course I wanted to just be sure because although you do have a business with us I you may have another business that you're applying for a loan for. what is the name of the businesses applying for this loan?

utterance: Ray's Construction Company.

utterance: OK. That's what I thought. So for Ray's Construction Company, they'll review Ray's Construction Company's application for the loan. And then they'll reach out to you in order to let you know what the next steps are.

utterance: I appreciate that. Do you have a timeline you think when they'll reach out me?

utterance: they should be in contact with you within the next two to three business days.

utterance: thank you. That's good.

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

utterance: no no. That that's good. You've done good. I'm looking forward for them reaching out.

utterance: Mr. Freeman we appreciate you giving us a call. And we will be in contact with you very soon.

utterance: thank you very much.

utterance: Thank you for the business.

utterance: Thank you. You have a good day.

utterance: Bye bye.

utterance: Bye bye.


utterance: thank you for calling Intellibank, what can I do for you today?

utterance: Hey, what's going on man, this is Robert Jackson. I I'm kind of having a little trouble here I need, I I have a business. And I need to you know, get everybody you know, get their pay out and stuff and and I I'm kind of flustered I don't.

utterance: Sure.

utterance: Sure, that's all right.

utterance: Know exactly again, what I'm supposed to do, we have all this you know, document stuff coming in, and you know, people going crazy. You know, holidays man and you know, you know and the pandemic kinda took over everything and I'm just kind of all over the place.

utterance: Sure.

utterance: Well let let me pull up your account. Can I get your first name?

utterance: Some yeah.

utterance: Robert.

utterance: OK, and your last name?

utterance: Jackson.

utterance: And your date of birth?

utterance: Zero four twenty-five, nineteen eighty-nine.

utterance: Great, and your customer PIN number?

utterance: seventy-seven eighty-eight.

utterance: Got it.

utterance: Thanks, man. I greatly appreciate you helping out.

utterance: Sure, so it looks like we have a business account with you?

utterance: Yes yes.

utterance: that.

utterance: And the name of the business is ?

utterance: Rocket Sheets.

utterance: Rocket Sheets, exactly.

utterance: Yeah. We help out, you know, all the like the NBA and we do all their their name brand towels and stuff like that. You know how you you see like the mascot throwing the towels and stuff into the crowd? So yeah we we make the guns, you know like the little rocket shooter and the T shirts, yeah. Yeah man. Yeah and it's it's a great business man. It's a great business. It's really helped me and I was able to bless a lot of our family so. Plus you get free tickets you know, to the games so.

utterance: Oh wow!

utterance: Wow! Oh that's great man. those came from.

utterance: Nice!

utterance: Oh.

utterance: I imagine. That's awesome. That's great. So what what aspect of your business and your banking needs can I help you with?

utterance: Yeah. It was pretty cool.

utterance: that's the thing why I called man. I I I. You know I was going out and and kinda going on you know, everything and one of our you know, our systems failed. our automatic pay system algorithm failed. So we have to get that going, and and and re fix that so I have people doing that. but yeah I I I was just a little flustered and confused. You know, I talked to some of my accounting and people there and we. I need to be able to get people their money, but we don't have the automatic, you know, direct system anymore. So we may have to go a little dinosaur, you know, kinda old school a little bit just momentarily, but I'm kinda.

utterance: Oh I gotcha, so you need to you need to order some checks to pay your vendors?

utterance: Yes, yes yes yes thank you, man I don't I'm I'm I'm embarrassed. my bad man, I'm kinda All over the place man. It's It's been a long day, it's a really long day but that's exactly what I needed, actually.

utterance: Sure.

utterance: No problem, I can take care of that for you.

utterance: Oh, thanks.

utterance: Can I get your shipping address?

utterance: Yes, it is Apple Street.

utterance: OK.

utterance: Seventy-five.

utterance: Seventy-five Apple Street?

utterance: Yes.

utterance: And what city is that?

utterance: that is Wyoming.

utterance: Wyoming is the city or state?

utterance: State.

utterance: Got it, and what city in Wyoming?

utterance: Village Park.

utterance: Village Park, Wyoming. Great, and what's the ZIP code?

utterance: Ninety-eight forty-five, six.

utterance: Ninety-eight, forty-five six. Great, so we have a few different checking options. Would you like to be ordering a page of checks or a book of checks? I want to make sure we're giving you enough.

utterance: I'm not. How many you said was the difference exactly.

utterance: Of vendors.

utterance: Well I I can do a custom amount of checks, for instance I can do anywhere from one check to I believe a page of checks is going to be three a page, it just depends on how many checks you need to be writing. Of course I can give you a book of checks, or I can set you up on a recurring plan where we'll send you checks monthly, bi-monthly.

utterance: Now that sounds really good, but let me ask how much does that cost how much is that gonna cost me?

utterance: Well one book of checks is going to be free, and above that we're gonna charge per book of check, but it sounds like why don't we start you off with a month a check book a month, and let's check back in and see how that's going?

utterance: You know what? I think that is good I think that's gonna work. I think it's gonna work, I think it's gonna work and you said it's free?

utterance: OK.

utterance: Great.

utterance: Yes.

utterance: Now what if I wanted to, is that just the first month or is that you know, after? What is that gonna be?

utterance: it's an additional charge of three ninety-nine if we go above that, but why don't we start with this first.

utterance: How much is it gonna run me?

utterance: See how it goes.

utterance: And you can absolutely give us a call, and those should be out to you in two to four days.

utterance: All right.

utterance: All right, thank you man I greatly appreciate you.

utterance: Great, thank you so much. Have a great day.

utterance: All right now. God bless.


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

utterance: Hi, yes, can you please check my balance on my Gold Card?

utterance: Sure, I can help you with that.

utterance: OK, great. Thank you Laurie.

utterance: So, how's your day going?

utterance: Excellent, thank you for asking and how about yourself?

utterance: It's going pretty good. I can't complain.

utterance: Excellent sir. can I get your first name please.

utterance: Sure, it's Alex.

utterance: And your last name?

utterance: Lopez. My birth date is six six sixty-two in case you need it.

utterance: Great, thank you for that information. That was six six sixty-two?

utterance: Yes.

utterance: And your pin number sir?

utterance: Six two six two.

utterance: And the account number?

utterance: K hold on.

utterance: Sure.

utterance: OK the account number is seven eight one two three seven six five.

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

utterance: Yes.

utterance: Thank you. So your account balance is one thousand, one hundred, twenty-six dollars and thirty-six cents.

utterance: OK, great.

utterance: Oh, actually, I need your help with something else. You see, I need my wife to have access to this account as well. Is there a way to request a new card for her on this account so she will. Have access to the account?

utterance: Sure, absolutely sir. Yes she will have access to the account. What is the new user's first name?

utterance: Lisa Lopez.

utterance: And the social security number for the new user?

utterance: Zero seven two six six three two six two.

utterance: And the desired limit?

utterance: One thousand.

utterance: And the shipping address to mail the card to?

utterance: The new user.

utterance: Three one six Northeast twenty-fourth Court Fort Lauderdale, Florida, three three three zero six.

utterance: Thank you sir and the pin number for the new user?

utterance: Pin number is two zero two zero.

utterance: And the date of birth?

utterance: Eight, twenty-nine, seventy-one.

utterance: All right, you are all set sir. That card should be to you in the next three to five days. Is there anything else I can do for you?

utterance: No that's it.

utterance: Thank you. Thank you very much for your help.

utterance: Oh, your very welcome sir. Thank you again for calling Intellibank. My name is Laurie, you have a great day, OK.

utterance: Thank you Laurie, you too.

utterance: You're welcome, sir. Mm bye bye.

utterance: bye.


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

utterance: Rock. I'm sorry, Roxy?

utterance: Hello?

utterance: Yes.

utterance: Wow OK.

utterance: What you don't like my name?

utterance: Nah it's it's a name that I always Well I guess it's is it short for Roxane?

utterance: Yes.

utterance: OK.

utterance: It is.

utterance: I never actually put two and two together which is kind of scary and I'm a business owner that is even scarier.

utterance: OK. I don't know what to say to that.

utterance: Yeah.

utterance: Right. Huh. Wow. All right. So. All right. So, how are you doing today, Roxy?

utterance: OK.

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

utterance: I'm doing good I'm trying to put two and two together let's put it that way.

utterance: OK.

utterance: So as I said trying to put two and two together. I am a business owner and a business customer of Intellibank and I was looking to see if it was possible I'm trying to like really go through the last few months of all my statements, billings, invoices et cetera. And I was wondering if you could help me get the documentation I need if you can run now like, a list of what you guys would have that I will need?

utterance: So you mean you want a copy of your credit report?

utterance: Is that what you are looking for?

utterance: Yeah, is that what you want?

utterance: I think you want a copy of your report.

utterance: Yeah, yeah. Actually that is. That's exactly yeah.

utterance: OK. I'm

utterance: Sorry. I don't want to like overstep my bounds about what you talking about but that's what came of to me. Is that what you need?

utterance: Yes. Yeah.

utterance: OK. So just to let you know, you can get a free copy of your credit report every three months with Intellibank.

utterance: OK.

utterance: So you are entitled to that every three months. Just a free credit report.

utterance: Now I'm wondering if that is like is that how often you should probably check your credit report or.

utterance: Yeah. Yeah.

utterance: I think so.

utterance: Or should you do it on a more consistent basis, or?

utterance: No. No. Every

utterance: Three months is is good. I think.

utterance: Yeah, that's the standard.

utterance: OK.

utterance: All right. So you want you want that.

utterance: Yeah.

utterance: All right. Well, let's get what's your first and last name?

utterance: my first name is Larry.

utterance: Mhm.

utterance: And my last name is Roper. R O P E R.

utterance: OK. Mr. Roper and what's your date of birth?

utterance: March twenty sixth nineteen seventy-one.

utterance: All righty and your PIN number?

utterance: it's two six seven one.

utterance: OK.

utterance: All right. And how would you like that delivered to you. Do you want that in an email? Do you want A snail mail like a hard copy of both?

utterance: email is perfect.

utterance: OK. What's your email?

utterance: It's Larry Roper.

utterance: Mhm.

utterance: Nineteen seventy-one.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: is the L capital or?

utterance: It is, yes.

utterance: OK. And also did you want that sent to multiple, like do you want any other addresses that you needed it sent to or?

utterance: No. No just the one yeah. Yeah cuz I I can just I can just print it out once I get it and.

utterance: Just.

utterance: OK.

utterance: OK.

utterance: Sit down with all my other you know, things to put together and make sure everything is between the credit report and my invoices and billing statements and stuff like that.

utterance: Mhm.

utterance: All right. Perfect, and is there any way that you could check to see. I just sent you the link, and I hate to bother you but earlier this morning some customers weren't getting any links that we were sending to them

utterance: And I would hate for you not to have gotten it and then you have to call back again.

utterance: Right.

utterance: Can you check to see if you got that link?

utterance: Yeah I'm actually right on the computer hang on one second.

utterance: OK. Perfect.

utterance: Thank you.

utterance: Let me just pull my email up here.

utterance: OK.

utterance: Computer's a little slow hang tight.

utterance: Oh. No problem please take your time.

utterance: Let me give it a quick refresh.

utterance: OK?

utterance: And yep.

utterance: It's here. I got it. Wow that was. That was quick, that's amazing. Thank you so much.

utterance: OK, awesome.

utterance: Aww.

utterance: Thank you so much for checking it, I hate to bother you like that but I'd rather you check and then like. Like I said earlier this morning some customers were not getting their links because our sever was glitchy and they had to call back and you know, I would hate that cause I know that your time is valuable and we don't want you to have to you know.

utterance: That's the the beautiful world of modern technology. As. As great as it is you get those glitchy times and it screws everything up.

utterance: I know, right? It's so funny.

utterance: It's true.

utterance: Yeah.

utterance: Yeah, yeah It's so true.

utterance: So, Mr. Roper is there anything else that I can help you with while I have you on the line?

utterance: No. I think you I think you did it all for me thank you so much.

utterance: All right you have a great weekend ahead and thank you so much for calling.

utterance: You too.

utterance: Bye bye.


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

utterance: Hi Rodney. How are you?

utterance: Oh pretty good. How about yourself?

utterance: I'm doing great, thank you. I need a new credit card please.

utterance: Sure we can put in that request for a new credit card for you.

utterance: Thank you.

utterance: Let me see here. So I need your first last name and date of birth?

utterance: Yes it's John West. And my date of birth is November twenty-sixth nineteen eighty-three.

utterance: John West. All right. PIN number please?

utterance: PIN number is three two three two.

utterance: Three two three two. Account number?

utterance: Account number is one eight seven seven two five eight.

utterance: All right. The new user's first and last name?

utterance: That is me and it will be I'm so sorry. Had a long day. What was the name I gave you to begin with? I didn't give you one did I? Robert Banks. No. What am I talking about. John West.

utterance: John John West. That bad. I understand sir.

utterance: Sorry.

utterance: And the social security number?

utterance: Three two five one eight seven seven two.

utterance: OK. Give me one sec it's going to take a second for our servers to process OK?

utterance: Okey-dokey.

utterance: Mhm. So what's the desired limit you're looking for on this card?

utterance: Fifteen grand please.

utterance: Fifteen thousand dollars.

utterance: That's right.

utterance: All right. Mhm. You're address? Like actual residence or mailing address?

utterance: Sixty-three hundred Wilshire Boulevard nine zero zero three six.

utterance: OK. PIN number? New user PIN same?

utterance: three two three two yeah.

utterance: And date date of birth the same as?

utterance: Yeah. October. Can I, I'm sorry. I need to put you on hold for one second.

utterance: OK. No problem.

utterance: All right. I'm back. Thank you.

utterance: Oh. No problem. So. So yeah, I've processed that for you. That that new.

utterance: Great.

utterance: When should I receive that card?

utterance: Usually takes between five to seven business days to receive that in the mail.

utterance: Uh-huh.

utterance: One thing I like to advise people about is we, like many companies, send out a lot of promotional offers. And you know when you get that card in the mail and it's not a real card it's just like a promotional card?

utterance: OK.

utterance: Make sure you know you you remember you did this so that you're not throwing that out with any sort of promotional offers? Cuz that will be a plastic card as well sent in the mail it will have the new tap feature as well. We have not had that in the past.

utterance: Mhm.

utterance: as well as the the You know you're able to swipe it too. but that credit card will be on its way. If there's any problems getting it like after seven days especially definitely give us a call back and let us know. So we don't want it floating out there being used or you know being activated by somebody else then we can put a stop to that. But we're gonna send it to you as securely as we can as possible and and then from there you'll be able to use that credit card. Is there something else I can help you with?

utterance: So you're saying don't throw away the credit card.

utterance: Yeah. Definitely not you know on on purpose or on accident I would I would not advise it you know? but

utterance: Sure. Of course.

utterance: Keep an eye out and I'll I'll be meticulous about the mail I pitch.

utterance: Yes people tend tend to sometimes do that. And if you need any other services in our off hours we close at six at the call center eastern time A lot of our services are available at Intellibank dot com for twenty-four hour a day seven day a week convenience.

utterance: Sounds good. Thanks.

utterance: Thank you for being an Intellibank customer. Have a great night. Bye bye.


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

utterance: Yes, Amber. I'd like to get my loan balance, please?

utterance: OK, I can help you with that. Do you have any account here?

utterance: Yes, I do.

utterance: OK. Let me go ahead and put your account your information for your account up. What's your first and last name, please?

utterance: Cami Cruch.

utterance: Can you spell your last name?

utterance: C R U C H.

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

utterance: let me get that for you. Just a moment.

utterance: Thank you.

utterance: Where you're going? It's right here in my purse somewhere.

utterance: OK!

utterance: Here it is! It's S T two eight zero eight eight one.

utterance: Great! Thank you. What's state was that issued in, please?

utterance: Ohio.

utterance: Thank you. And your the address, please?

utterance: Eighteen thirty-five Roycepool road, Fairborn, Ohio. Four five three two four. I'm not sure you might you might have it under seventeen oh eight Montgomery Avenue. Fairborn, Ohio four five three two four.

utterance: Which of these is your home address?

utterance: The Roycepool Road.

utterance: OK. Thank you. So can you give me your date of birth?

utterance: May ninth nineteen sixty.

utterance: And your business phone number?

utterance: Six one four two three four two two one one.

utterance: Thank you. And your social security number?

utterance: it is two six nine six eight four three seven three.

utterance: Thank you. And your customer PIN number.

utterance: Hold on a minute. I gotta get that too.

utterance: OK.

utterance: OK.

utterance: All right. I'm here.

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

utterance: Thank you. And your business name is Brazen Chain. Is that correct?

utterance: Yes.

utterance: And you're the sole owner?

utterance: Yes.

utterance: And what was the business established date?

utterance: January first twenty twenty.

utterance: Thank you. All right. All right. And you wanted the loan balance on your loan?

utterance: Yes yes, if you could give that to me.

utterance: Sure. I can give that to you right now. That's one thousand two hundred and fifty dollars and fifty cents.

utterance: OK.

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

utterance: Yes. I need to order cheques.

utterance: OK. So, let me pull that up here on my screen. Checks are two fifty a piece. And you can order boxes of ten. How many would you like?

utterance: I would like two hundred checks.

utterance: OK. I can do that for you. So, that would be two boxes of hundred a piece.

utterance: OK.

utterance: And you want those both sent to the same address?

utterance: Yeah. What does that come up to?

utterance: That comes up to forty dollars and fifty cents.

utterance: OK. And Can you tell me how to set up online banking?

utterance: Sure. So, you go to WWW dot Intellibank dot com. Or download our app. and and then you will go go to the register tab.

utterance: OK.

utterance: OK.

utterance: And then it will ask you for the same information that you gave me today. Your name, your address, your social security number, your date of birth, your driver's license number and your customer PIN.

utterance: OK.

utterance: And then after that, you'll be able to have access to your accounts, your loans, your credit accounts, if you have a checking account.

utterance: OK.

utterance: And you can order cheques yourself if you wanted to next time.

utterance: OK.

utterance: You will click on that order tab under your checking account.

utterance: So, I can order on myself?

utterance: You can. If you want, you can still call and do that but if you'd rather you can order on online. And it will even tell you the ship date and the entire amount of date order.

utterance: OK. And can you tell me can I set up an investment account?

utterance: You can set it up your online banking you go to the invest tab and set up click on new portfolio.

utterance: OK.

utterance: And then it will let you see the set up prices. It will give you some information about which stock is best. So, put in your portfolio based on your age and your job and your history.

utterance: OK.

utterance: Credit history.

utterance: OK.

utterance: And then you can buy and sell stock right from there too.

utterance: OK. That sounds great.

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

utterance: Not today.

utterance: All right. Thank you for calling. You have a good day.

utterance: You too.


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

utterance: Hi there. I got a notice in the mail saying something something about a change in bonds. I'm not sure what that is about. Does it affect, does it affect a bond I have already purchased?

utterance: sir, I'm not sure if it affects your current bonds purchased through our establishment. Actually, we've been sending out blanketed account statements and information on the bonds trend. So, it may actually have some effect on your bonds, but if you would like to know the current yield of your bonds I can just look that up for you today, sir.

utterance: All right, that would be great.

utterance: OK, sir. So, before I can get your treasury bond yield I'll need to get a little bit of information from you so I can go ahead and look you up in our system if that's all right.

utterance: That's all right with me.

utterance: OK, sir. Can I start with your first name, please?

utterance: Yes, my first name is Gabriel.

utterance: All right that's Gabriel. B I mean G A B R I E L.

utterance: Yes.

utterance: OK, sir. Sorry about that. And your last name, sir?

utterance: It's all right.

utterance: Robinson.

utterance: OK. Is that R O B E R T S O N? Robertson?

utterance: Can you repeat that again?

utterance: Robertson? Or was oh, I'm so sorry, sir. Robinson. Looks like I'm a little hard of hearing today.

utterance: Robinson.

utterance: Yeah.

utterance: That's all right.

utterance: OK, that was Robinson. R O B I N S O N. Correct?

utterance: Yes.

utterance: OK, thank you so much, Mr. Robinson. can I get your date of birth, please?

utterance: Yes, my date of birth is ten twenty-four one nine seven four.

utterance: OK, so to verify that was ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: OK, thank you so much, sir. And could you give me the PIN associated with your account with us, please?

utterance: Yes, that PIN is four four nine five four nine.

utterance: All right, sir. That PIN was four four nine five four nine?

utterance: Yes.

utterance: OK, thank you so much, sir. Would you give me just one moment while I look up your account in our system?

utterance: No OK.

utterance: OK, sir. It looks like I have your information on filed here. Could you tell me the bond time period you're interested in finding more about?

utterance: Well How about I was interested in the like the three months.

utterance: All right, sir. I'm going to look up your three month bond yield right quick. Looks like currently, your three month bond yield is a seven percent.

utterance: OK.

utterance: So, that's pretty good. It looks like you're coming close to your full maturation date.

utterance: OK, OK. I have another. I'm sorry for my sounding kinda off but I'm looking for my paper here. So, I kinda sound off.

utterance: All right, sir, that's no problem. Do you have additional bond yield you would like some information on?

utterance: yes, please.

utterance: OK, sir. What year was that?

utterance: can I get Time period? two year?

utterance: I mean time period, so sorry.

utterance: All right, give me one moment while I look up the yield on that bond for you in our system, sir.

utterance: No problem, take your time. Oh, I just remembered I have to purchase some more item for Christmas. My kids tend to get more and more expensive each year. shoot. Are you done with your holiday shopping yet?

utterance: no, sir, I've been working nonstop the last three months. So, I actually haven't even started on my holiday shopping. I'm not looking forward to it. I'm actually looking for Black Friday, so I'm hoping to get a couple of deals so I can get most of the shopping in around that time so fingers crossed.

utterance: Oh.

utterance: I got, I've never went to one of those. Are, are those stuff cheaper? Is it cheaper?

utterance: Oh, yes, sir. I've gotten a lot of good deals on Black Friday. I've actually gotten a brand new fifty inch TV last year for about two hundred and fifty dollars.

utterance: Oh, my goodness. shut the front door.

utterance: Oh yes sir.

utterance: That was a great deal.

utterance: Wow.

utterance: So you should probably go out there. I mean, it's hard to brave those crowds, but it's worth it sometimes.

utterance: No, I'm, I'm, I'm going. Thank you. Thank you for letting me know. I'm definitely going.

utterance: All right sir.

utterance: Absolutely. OK, sir. So, I looked up that two-year bond period. It looks like it's current valuating at the yield is two percent right now.

utterance: OK.

utterance: And you purchased that bond oh, you actually purchased that bond this year so it has a little while to go before it reach full maturation so.

utterance: Oh, all right.

utterance: You have some time on that one.

utterance: OK, thank you.

utterance: All right, is there anything else I can help you with today, Mr. Robinson?

utterance: no, that's it.

utterance: OK, sir. OK. thank you again for giving us a call today, sir. You can also get this information online at Intellibank dot com if you're one of our online clients you can just access that information through your banking app or over the internet, sir.

utterance: OK.

utterance: All right. thank you again for giving us a call today. My name was Giana and I hope you enjoy the rest of your day, sir.

utterance: Thank you.

utterance: Thank you, too, sir.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi! Thank you for calling Intellibank. This is Ashley speaking, how may I assist you today?

utterance: Good morning Ashley, how are you?

utterance: OK I'm very well ma'am. Thank you so much for asking and how about yourself?

utterance: I'm well also. The reason I'm giving you a call this morning I have a new office manager, and he'll need to access my banking account.

utterance: OK you're needing to add a new user to your account?

utterance: Yes ma'am.

utterance: OK I was just, I was just making sure that's what we were doing here. I do need a little bit of information so I can pull up your account. May I have your name please?

utterance: Yes my name is Enid Larson and my date of birth is November thirteen nineteen seventy-six.

utterance: OK thank you so much. I have your first name Enid E N I D?

utterance: Correct.

utterance: Thank you and your last name is Larson is that L A R S O N?

utterance: No ma'am it's L A R S E N.

utterance: OK L A R S E N. I apologize about that. And then I have your birthdate as November the thirteenth nineteen seventy-six?

utterance: Correct.

utterance: Thank you and early happy birthday Ms. Larsen.

utterance: Thank you.

utterance: You're very welcome. May I also have your PIN number please?

utterance: Yes ma'am. It's nine seven nine seven two oh two oh.

utterance: OK thank you very much Ms. Larsen. And may I also have your account number please?

utterance: Eight six eight two eight nine seven five.

utterance: OK eight six eight two eight nine seven five?

utterance: Correct.

utterance: Thank you so much. And may I also have your phone number please?

utterance: I just changed my phone number. I'm not sure which one you'll have on record. My old phone number is eight oh four two three six six one seven five. And the new phone number is seven oh three five eight two four five six one.

utterance: OK that's wonderful. Now we did have your old phone number on file, the one with the area code eight zero four. did you want me to go ahead and change it to your new number?

utterance: Yes please.

utterance: OK and the new number is area code seven zero three five eight two four five six one?

utterance: Correct.

utterance: OK thank you so much Ms. Larsen. Now I do need to get some information about your new office manager so I can go ahead and get him added in. may I have his name please?

utterance: Yes. He's called John Russell.

utterance: OK is that J O H N?

utterance: Correct.

utterance: Thank you and his last name Russell is that spelled R U S S E L L?

utterance: Correct.

utterance: Wonderful. Thank you Ms. Larsen. And may I have his street address please?

utterance: yes he lives on seven thirteen Oak Lane, Brunswick Georgia.

utterance: OK so that's seven one three Oak O A K Lane in Brunswick Georgia?

utterance: Correct.

utterance: Thank you and may I have that ZIP code please?

utterance: Three one five two three.

utterance: OK three one five two three?

utterance: Correct.

utterance: Thank you and I also need Mr. Russell's social security number.

utterance: It's six nine five oh one oh seven three four.

utterance: OK that was six nine five zero one zero seven three four?

utterance: Correct.

utterance: Thank you so much Ms. Larsen. And I do also need some information from his driver's license now he lives in Georgia is it a Georgia driver's license?

utterance: Correct.

utterance: OK and what is his driver's license number?

utterance: Six two two three nine five five two one.

utterance: All right. Six two two three nine five five two one?

utterance: Correct.

utterance: Thank you so much and may I have his email address please?

utterance: Yes. It's J Russell twelve at Gmail dot com.

utterance: All right J Russell twelve at Gmail dot com?

utterance: Correct.

utterance: Thank you Ms. Larsen and what is his date of birth?

utterance: October thirtieth nineteen seventy-four.

utterance: All right October thirtieth nineteen seventy-four?

utterance: Correct.

utterance: All right well tell him late happy birthday from all of us here at Intellibank.

utterance: All right.

utterance: OK and I need a PIN number for him that can be anywhere between four and eight digits long.

utterance: All right. Nine seven three five two one four three.

utterance: OK that's nine seven three five two one four three?

utterance: Correct.

utterance: All right wonderful. Just let him know whenever he calls the bank to make sure and have that PIN number available. Without that he will not be able to access any information from your accounts OK?

utterance: All right, I'll let him know.

utterance: OK thank you so much Ms. Larsen. Was there anything else I could assist you with today?

utterance: No, I appreciate

utterance: You helping me.

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

utterance: Thank you.


utterance: Hello! And thank you for calling Intellibank. This is Jonathan. How may I be of service to you this evening?

utterance: Hey, Johnathan, as I understand, you guys over at Intellibank have a a I guess a Platinum Plus Loan Forgiveness offering?

utterance: If I understand correctly? For I guess loans that are over five hundred K.

utterance: It's what I thought. What I believe it is. so we have. We've defaulted a few times. not proud to say that. On the loan. but we've always, you know, come back and been able to to makes minimum payments to to get right. To get back on track. and I would just like to know with that that that Platinum Plus Loan Forgiveness, how much is going to be, you taking off of our off off off our balance with you guys?

utterance: OK. Well, you know, there's a couple of different things here. So, we don't actually have a Platinum Loan.

utterance: but we do have an Intellibank Platinum Credit Card.

utterance: for business. And but we do offer a bunch of different loans. And if you're looking for a loan that can be possibly forgiven or if you have a loan that could possibly be forgiven, you probably either have the SBA Seven A, or the SBA Five Zero Four.

utterance: Oh. OK.

utterance: It's

utterance: Probably the SBA Seven A.

utterance: But, we can find that out there pulling up your account.

utterance: Yeah. Let's try that then I suppose.

utterance: Great! to start, I'm gonna need your first and last name, and your date of birth.

utterance: OK, first and last.

utterance: Adam Stevens and date of birth is January second nineteen ninety-five.

utterance: All right.

utterance: And, can I get the last four of your social?

utterance: yeah. One. Wait one second. One of those things I I never bothered to to remember, to memorize.

utterance: I

utterance: I totally understand. Take your time. We are here for you.

utterance: Oh, here we go. one six four nine.

utterance: All right. Fantastic. All right, and it does appear that you do have a SBA Seven A loan with us. Im just gonna need to ask you some security questions here.

utterance: And I can pull that up and check your loan balance for you.

utterance: So, starting off, I'm gonna need your mother's maiden name.

utterance: OK. Mother's maiden, that's going to be Jamison.

utterance: And I'm going to need your first pet's name?

utterance: First pet's name. Oh, that's going to be Bob. Or it might be under Robert. One or the other. Bob or Robert.

utterance: OK, it was Bob. And I'm gonna need the name of the street that you grew up on.

utterance: that's gonna be Solo Drive.

utterance: All right those all went through. this'll just take a moment here to load and I will have the balance of your SBA seven A loan.

utterance: How's your day treating ya?

utterance: pretty well, pretty well, as long as this this comes through. You know, you try to say it on the on the positive end but yeah you know, so, so rough patch. We weren't able to make some of those payments. And we see how that kind of effected our our our our credit score and our standing with the bank, and trying to make that right, obviously. but, always, a little a little love on your end would be super helpful in terms of maybe knocking down a bit of that, a bit of the just a bit of the charges we've accrued.

utterance: Well, we'll see here in just a moment.

utterance: It is pulling up.

utterance: All right.

utterance: Well, I have some very good news for you. because this is an SBA Seven A loan, and because you were able to keep all your employees on staff through the pandemic, we have actually been able to forgive this loan.

utterance: Your loan balance is officially zero.

utterance: Oh, that's beautiful Thank you. Thank you. Thank you.

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

utterance: no that's all.

utterance: Great well thank you for calling Intellibank and I hope you have a lovely rest of your day.

utterance: Thank you.

utterance: Bye.


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

utterance: Hi Mary, I have my accountant out on sick leave this week.

utterance: Mhm.

utterance: And I need to check the balance of my checking account please.

utterance: OK. Let me check on that for you. Do you have your checking account number?

utterance: yes. Gimme just a minute, lemme find it.

utterance: OK.

utterance: OK, I'm back.

utterance: OK, whenever you're ready.

utterance: well actually I've changed my mind. I I just need to get my net income.

utterance: OK. Well, let me just get a little bit of information from you, OK?

utterance: All right.

utterance: All right, what is your name?

utterance: Jerry Hoffman. H O F F M A N.

utterance: And your date of birth?

utterance: July twenty-first nineteen seventy-eight. And my PIN number is nine three eight zero.

utterance: OK, and what is the time period that you're wanting this information from?

utterance: the last twelve months.

utterance: All right, give me just a second while I look that up.

utterance: OK. Your day going all right today?

utterance: It is going all right. How about you?

utterance: it's not been too bad.

utterance: Good, good. I'm glad to hear that. OK Mr. Hoffman, it looks like your net income right now is showing at sixty-two thousand three hundred and fifty-two dollars and seventeen cents.

utterance: OK, and is there some other way I can check this, that's to, well is gonna be easier for me or my accountant to. To get that information without having to call in?

utterance: Yes sir, we do offer online banking free of charge to our customers. And you just have to log onto our website and click on the link to the online banking and it's pretty self-explanatory. You can walk yourself right through it.

utterance: OK, well that sounds easy enough. I'll definitely have her look into that when she gets back. OK. And then, can you also tell me what types of corporate credit cards you offer?

utterance: Yes sir, I'd be happy to give you that information. we offer three different corporate credit cards. There's the Intellibank Business Platinum, Intellibank Business Gold and Intellibank Business Silver.

utterance: OK, and what's the is there an annual fee for any of those?

utterance: Platinum is a one hundred dollar fee.

utterance: OK, and the other two don't have an annual fee?

utterance: No.

utterance: OK, And what's the Does that Platinum one have any rewards?

utterance: let me double check that information.

utterance: Two per cent cash back, it looks like it has. On all purchases.

utterance: OK, and what is the maximum credit limit that a card like that would have?

utterance: A hundred thousand dollars.

utterance: OK, well that's not. That's not too bad.

utterance: No, it's actually.

utterance: One of our most popular cards.

utterance: OK. And How would I. How do I go about applying for one of those?

utterance: Well I could help you with it or you can, again, you could do that online. And at your convenience and set that up and apply. That one, they'll do a more in-depth credit check.

utterance: OK and do I need any specific documents or anything like that to apply?

utterance: No.

utterance: OK, cool. So I will I will talk to my accountant once she gets back next week. And see what she thinks about it, but I thing sounds like a pretty good deal really.

utterance: Well, like I said, it is one of our most popular and again she can research. You and her can research and get most all of your questions answered on the w- online website. however, if you st- ha-. Still have any other questions, please feel free to call us back.

utterance: OK, well that sounds good then.

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

utterance: no, I can't really think of anything.

utterance: All right, well if that's it then I will wish you a good day and look forward to hearing from you some time in the future.

utterance: All right, well thank you so much.

utterance: Thank you Mr. Hoffman. You have a great night.

utterance: You too. Bye.

utterance: Bye.


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

utterance: Hey, Rhiannon?

utterance: Yes.

utterance: Wow like the like the Fleetwood Mac song?

utterance: Yes, like the song.

utterance: Wow.

utterance: My mom was a huge Fleetwood Mac fan.

utterance: I I guess she loved Stevie Nicks.

utterance: Yeah, she loves all of them.

utterance: And she almost named me Gypsy but because she loves Stevie Nicks so much. But Rhiannon not bad.

utterance: How on that?

utterance: No did that make you a self born Fleetwood Mac fan yourself?

utterance: no.

utterance: Or are you are you or are you tired of hearing the song?

utterance: I really, you know, I've come to grow into the name and like love it and appreciate it, and appreciate Fleetwood Mac and that time period of music. But it's just, you know, most the time when I meet people and I tell them my name, they start singing the song to me.

utterance: I can imagine.

utterance: And it get's a little played out.

utterance: I'm I'm sure your parents sang that song to you as a little kid all the time?

utterance: Yes, my mom still does so yeah.

utterance: Yeah.

utterance: Yeah.

utterance: Does she have a good voice at least?

utterance: She does actually, she does.

utterance: Oh well that.

utterance: That's something to be thankful for. So you gave me a laugh thank you. Because I I just came out of a a business meeting and my head is kind of spinning meeting with people about things. And something that they just kept trying to drill home to me is something I I don't even know what it is. I I never heard it until this this meeting, and they were looking at me like I had three heads cuz I didn't know what it was and what it is and so I was wondering if you could help me figure out, I need to know what the quick liquidity ratio of my business is?

utterance: She does.

utterance: Oh yeah, OK I can totally help you with that. So what. So the the quick liquidity ratio measures the companies ability to meet it's short term obligations.

utterance: OK.

utterance: So and it's calculated by dividing the value of certain company assets by the value of current liabilities.

utterance: Hmm.

utterance: If that makes any sense to you.

utterance: I mean if you.

utterance: actually it.

utterance: Doesn't but.

utterance: Well you know what we could do is, if you ever wanted to, we could set up an appointment you can come in and speak to someone in person about it.

utterance: OK.

utterance: To tell you more in depth about it, we could do that.

utterance: OK yeah.

utterance: That's.

utterance: A possibility.

utterance: I'm sure we'll end up.

utterance: Going that route at some point.

utterance: OK, but I can go ahead and and tell you what it is no problem. Do you have a few minutes to to talk? Then I can get .

utterance: I do yes.

utterance: Mhm.

utterance: OK so what is your first name?

utterance: my name is Kenny.

utterance: Mhm.

utterance: Rife, R I F E.

utterance: R I F E, OK. OK Mr. Rife, and what is your date of birth?

utterance: April fifteenth nineteen eighty-one.

utterance: OK and your PIN number?

utterance: the PIN is one five eight one.

utterance: OK and Mr. Rife, do you have your account number on you?

utterance: no I don't I'm actually in the car driving back from the meeting.

utterance: OK unfortunately I'm not gonna be able to go forward with this without the account number. I'm so so sorry I apologize.

utterance: Oh, oh.

utterance: I apologize. what we could maybe do do you, are you on your way to where like you could get your account number?

utterance: Yeah, on my way.

utterance: Back to the office.

utterance: OK you could call back and we'd be very happy to help, or I could send you a link. You can set up online banking.

utterance: OK.

utterance: And you can do all that like right at your fingertips.

utterance: You can find out the quick liquidity rate ratio with the online banking set up.

utterance: Oh OK OK.

utterance: So you don't have to keep calling us back at Intellibank. We really want to make your life more convenient, and we hate that, you know, for you to have to make multiple phonecalls to us.

utterance: Right, so should I call you back when I get to the office?

utterance: If you want to you absolutely can, and we can go ahead and set that up for you.

utterance: Or, I mean.

utterance: You can do that and I can send you the online banking info. You can, you know you can do both. You don't you don't have to, you know, do it on your own if you wanna call back, we're happy to help you.

utterance: Right, well how how about maybe you guys, maybe you and you guys maybe you like you're there with Fleetwood Mac I'm saying, maybe you could send me that email.

utterance: Mhm.

utterance: Yeah.

utterance: And when I get to the office I can sit and get that set up. And if I have any problems or issues or need to actually find out where that the quick liquidity ratio is, maybe you know if I get you back or another customer service rep you guys can direct me.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: Where to go.

utterance: Absolutely. You probably won't get me back but I'm gonna put notes in your file that you already called.

utterance: OK.

utterance: So if you do get another agent, which is probable, they'll know exactly what's going on.

utterance: OK.

utterance: So what is your email?

utterance: It's Kenny Rife.

utterance: OK.

utterance: one at Gmail dot com.

utterance: OK, and is that a capital K?

utterance: Yes.

utterance: OK.

utterance: All right. So I sent that over to you.

utterance: OK.

utterance: You know, you can you can look at that when you're ready, or you can just, you know, get to the office call us back. As I said I noted in excuse me I need, I need my cup of coffee.

utterance: I noted that in your file.

utterance: Thank you.

utterance: And OK Mr. Rife, is there anything else I can help you with right now, or?

utterance: No, I think that's everything.

utterance: All right, well thank you for being part of Intellibank, we appreciate you.

utterance: Thank you for your help.

utterance: So much.

utterance: OK take care.

utterance: Bye.

utterance: Bye bye.