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

utterance: Hi, I'm, I'm looking for like I've been like paying my credit card off manually, this whole time I've had it, but I've noticed there's like some way to set up like something automated.

utterance: yeah, absolutely. we can set up automated monthly payments to your credit card.

utterance: are you an existing Intellabank customer?

utterance: I am.

utterance: All right.

utterance: Let's go ahead and pull up your account, and to do that, I am going to need your full first and last name as it appears on your Intellabank account.

utterance: OK, my name is Adrienne, that's A D R I E N N E.

utterance: Zimora is my last name.

utterance: All right. And your date of birth?

utterance: It's February twentieth, nineteen ninety-four.

utterance: All right.

utterance: And what is your twelve digit account number?

utterance: I think it's one three seven three, two three one zero, eight zero four two.

utterance: All right.

utterance: And what is your four digit security PIN?

utterance: Two one five two.

utterance: All right.

utterance: Give me just a moment here while your account loads.

utterance: All right.

utterance: What time is it where, where you guys are located?

utterance: Well, we're in Tempe, Arizona, and that is central time. So we're at one p.m..

utterance: Wow.

utterance: I can't believe it's like almost noon here in Californian, and I'm like already falling asleep.

utterance: Oh, yeah. I understand that.

utterance: Is is Tempe nice?

utterance: No.

utterance: What it)) look like?

utterance: Is that where the grand canyon is?

utterance: it's in Arizona, but not anywhere close to where we're at.

utterance: Oh.

utterance: Yeah.

utterance: It's a big city?

utterance: it's a medium-sized city.

utterance: Maybe I'll take a drive out to Arizona sometime.

utterance: Yeah, come on out. It's a lovely drive if you like desert and flat land, and yeah.

utterance: Oh, yeah. I'm sure it's a, a lot better than the smog of Los Angeles.

utterance: Probably, probably. I don't think I can argue with that.

utterance: OK, so, we have your account pulled up here. To set up the automatic payment I am going to need to get your sixteen digit credit card number.

utterance: Yeah, that is two nine six nine, seven three eight six, six six three two, five nine six eight.

utterance: All right. And which account would you like this to be debited out of each month?

utterance: I guess the checking account.

utterance: OK, and what is your twelve digit checking account number?

utterance: It should be zero nine seven six, nine six eight one seven seven three five.

utterance: All right. And your seven digit rounding number?

utterance: Mm for the account? For the bank account?

utterance: Yeah.

utterance: eight zero two, three five four, five two one.

utterance: And how much would you like to pay towards your card each month?

utterance: four hundred.

utterance: And which date each month would you like that debited out?

utterance: Just do the first.

utterance: All right. Well, it looks like that is all set.

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

utterance: I think that's all.

utterance: Great. Well, thank you for calling Intellabank. Have a wonderful rest of your day.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi Cassandra, I'd like to apply for a S S B A five oh four loan please. I was reading about these loans in the magazine at my office and learned that it could help me purchase more land for my business. Can I do that over the phone?

utterance: Yes sir. You can certainly process this loan application over the phone with me. I'll need to get a little information from you so that I can go ahead and set this up in our system.

utterance: All right. No problem.

utterance: OK sir. Let me go ahead and pull up that file.

utterance: All right.

utterance: All right sir. Can I have your first name please?

utterance: First name William.

utterance: OK and your last name sir?

utterance: Grayson.

utterance: All right Mr. Grayson. Can I have your street address?

utterance: Thirty-five seventy-eight Clinton Street.

utterance: All right and the city?

utterance: Little Rock.

utterance: State?

utterance: Arkansas.

utterance: And ZIP code?

utterance: Seven two two one one.

utterance: OK sir. To verify that address is thirty-five seventy-eight Clinton Street in Little Rock Arkansas. ZIP code seven two two eleven?

utterance: Yes.

utterance: All right thank you so much sir and next can I have your social security number?

utterance: Yes that right there is four three two eight six three nine six nine.

utterance: OK sir to verify that was four three two eight six three nine six nine?

utterance: Yes.

utterance: Thank you so much sir and could you give me your driver's license number next?

utterance: Yes my driving license. Hold on. Do you hold on?

utterance: OK sir.

utterance: I thought I had it with me here. OK. I got it right here. It's four eight two two one nine one nine four.

utterance: All right sir. That was four eight two two one nine one nine four?

utterance: Yes.

utterance: And what state was that?

utterance: That's in Arkansas.

utterance: OK sir. Now could you give me your account PIN please for for authentic purposes.

utterance: yes. I changed that. I don't know which one you have on file. Well I'm just gonna say them both if you don't mind.

utterance: All right sir.

utterance: the first one is three five two three and the one I believe I have on file now should be five five two three.

utterance: yes sir. The. It. The PIN we have on file for you is five five two three. So if you can go ahead and make a note of that please.

utterance: I sure.

utterance: Will.

utterance: OK thank you so much Mr. Grayson. and sir could you give me the email address you would like to use for this account processing?

utterance: Yes I can. It's Grayson W S A S twenty ten at Gmail dot com.

utterance: OK sir to verify that was Grayson W S A S two zero one zero at Gmail dot com?

utterance: Yes.

utterance: OK sir and could you tell me your business name please?

utterance: Yes. Schucks Auto Supply.

utterance: OK that was Schucks Auto Supply?

utterance: Yes ma'am.

utterance: Thank you sir and are you the sole owner of this business?

utterance: Well yes I am.

utterance: OK, sir and what date was this established on?

utterance: It was established on nine five of two thousand ten.

utterance: OK, you said September fifth twenty ten?

utterance: Yes ma'am.

utterance: OK sir and what is approximately your gross annual sales?

utterance: Well approximately I think I round myself up at three hundred and thirty-five thousand.

utterance: All right sir. Three hundred and thirty-five thousand yearly.

utterance: Yes.

utterance: OK thank you so much sir and could you give me your tax ID number please?

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

utterance: OK sir that was five six five four three four six six zero?

utterance: Yes ma'am.

utterance: All right thank you sir and could you now tell me your business address please?

utterance: Yes. Five five one Lincoln Drive.

utterance: OK sir you said five five one Lincoln Drive. Correct?

utterance: Correct.

utterance: OK and what city?

utterance: Little Rock.

utterance: State, please. And the ZIP code.

utterance: Arkansas.

utterance: Seven two two one one.

utterance: All right. Thank you so much sir and how would you like your mail sent out to you. Would like that sent to your home or business address on file?

utterance: I'm get it to my home.

utterance: OK sir could you go ahead and verify your home address again?

utterance: Yes. Three five seven eight Clinton Street.

utterance: In what city?

utterance: Little Rock.

utterance: And the state?

utterance: Arkansas.

utterance: And the ZIP code please.

utterance: Seven.

utterance: Two two one one.

utterance: Thank so much sir for verifying that information. and now what is the approximate loan amount you would like this application for?

utterance: let me get around two hundred and fifty thousand.

utterance: All.

utterance: Right sir two hundred and fifty thousand.

utterance: Yes ma'am.

utterance: OK, and what down payment percentage were you looking at using?

utterance: twenty percent.

utterance: OK sir and what is the purpose of this loan?

utterance: I am going to real estate purchase.

utterance: OK sir. So you're gonna purchase some real estate with this loan?

utterance: Yes.

utterance: OK sir. So what percentage did you say down payment again sir?

utterance: twenty percent.

utterance: OK you said twenty. I'm so sorry sir.

utterance: It's.

utterance: All right.

utterance: I got my little hairs crossed on that one.

utterance: It's OK. You're doing a lovely job.

utterance: Thank you, sir. All right next I'm gonna need that funding routing number please for that downpayment.

utterance: OK.

utterance: All right. That funding routing number is four three eight five eight one two two seven.

utterance: OK sir and that funding account number?

utterance: the funding account number is four one nine five five six three zero four three three one.

utterance: OK, sir. Could you give me just one moment while I go ahead and process this information through our system please.

utterance: All right. Thank you very much.

utterance: OK Mr. Grayson. I've gone ahead and verified all this information is accurate and I'm gonna go ahead and submit this application for you. I'm gonna also need some supporting business documents. You'll find that information listed in the email that we're gonna send out to you to verify this application and as soon as you get that information back to us we'll be able to complete your application and then we'll get back to you with the results of this application sir.

utterance: All right sounds great.

utterance: It usually takes between five and fourteen business days to go ahead and actually notify you sir. So if you don't see anything in your email or through the mail just go ahead and give us a call back and we'll make sure that we actually got this application processed sir.

utterance: All right.

utterance: OK thank you so much sir. Is there anything else I can do for you today?

utterance: No that's about it.

utterance: All right thank you Mr. Grayson for your time and patience. Again my name was Cassandra. I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you too sir. Bye bye.

utterance: Bye bye bye.


utterance: Thank you for calling Intellibank. how can I help you today?

utterance: yeah I'd like to change my email. me email address for my account. I need to get it switched over again.

utterance: Yes sir. I can totally help you with that.

utterance: Mhm.

utterance: All righty. Sounds great to me now.

utterance: OK could I have your full name please?

utterance: It's Bucky Sparks but it's really Buford under my real name. They call me Bucky. But it's Buford Sparks. What else do you need ma'am?

utterance: Yes sir.

utterance: OK could I have your date of birth please?

utterance: Yeah it's four eight seventy-three. Six sixty-four Willow Circle. Saint Jones, West Virginia.

utterance: OK.

utterance: Thank you very much for that. Thank you very much for that sir. could you verify the PIN number on the account?

utterance: Two five eight one eight.

utterance: Yeah.

utterance: Five six eight three nine two.

utterance: OK and could you please verify your current email for me?

utterance: Current. It's B Sparks at AOL dot com.

utterance: OK yes sir and you wanted to change that?

utterance: Yeah just very simple I need to change it to B Sparks at Yahoo dot com.

utterance: Yes sir, and could you give me an updated PIN number for that account? so we .

utterance: how about

utterance: Eight three three five.

utterance: Yes sir. Thank you very much for that. And on your account could you please verify your security question?

utterance: Yeah sure.

utterance: What street you live on.

utterance: O'Dell.

utterance: Thank you very much sir.

utterance: Yeah it was a crazy little street. All kinds of stuff going on there. Kids be running around up the road at three in the morning doing weird stuff.

utterance: Thank you very much.

utterance: Yes sir. Well I wanted to confirm with you that your email address has been has been changed. And I have applied the new the new PIN number for that account. And you can go ahead and start using that account before you new email any time you need to.

utterance: OK.

utterance: and and are you familiar with our online banking?

utterance: no we haven't used it yet. We're just now getting used to the doggone internet. We never said we'd get it but by God we had to break down and get it anyway anyway. Swore I'd never use the internet but that's just how it goes these days.

utterance: Yes sir. Yes sir, I totally understand that it is hard to to to keep up with the current technology as it comes out.

utterance: Yeah.

utterance: Now they got them new ATMs. That's another thing I want to catch you about that. There's something like I M E E E M T or A A T M or. Integrated or automated. What is that?

utterance: I.

utterance: Yes, it's it's our .

utterance: Interactive or.

utterance: ATMs and ITMs sir.

utterance: OK what's the I. That's what I was wondering the ITM?

utterance: The the ITM is where there's an agent that you can access twenty-four hours a day and not even have your account information with you. Say you lose your wallet. Say you lose your ID. An things like that. If you have a piece of information to confirm your account the agent can look it up no problem. Even even if you've lost your debit card or you're waiting on a new card.

utterance: Try do that with that there facial recognition stuff probably.

utterance: Yes sir. Yes sir.

utterance: Wow.

utterance: Nineteen eighty-four. Nineteen eighty-four. George Orwell.

utterance: That's it.

utterance: Yes it's a it's a totally new integrated updated system and it it's been popular so far.

utterance: Yeah.

utterance: George Orwell was right wasn't he? yeah.

utterance: Yeah he. Yes sir.

utterance: Now If you if if you would like to I could tell you more information about our online services. That would make it maybe more convenient for you in case you can't call into the bank and and take care of any of your banking. Due to sickness, working too late, or things like that. I see that you are a total business checking member and we do appreciate your business for that.

utterance: Nineteen eighty-four.

utterance: Yes ma'am I appreciate you too now.

utterance: But you can also You can also deposit your checks online without having to make any physical contact with the bank or having to call in. it's it's convenient. It's easy. And you can also request different transactions. And you can get different information that way also. Twenty-four hours a day at your convenience.

utterance: Huh.

utterance: Well I appreciate that.

utterance: And we also offer some different loans. If you're ever in the market for a loan of any kind you can give us a call back and I'll set you up with Cherissa.

utterance: Cherissa is our loan agent and she's very knowledgeable on the current numbers and the current aspects of all the loans and how how the interest rates are right now. So If you would like I could give you more information about that. if if you're in the market for it.

utterance: Well actually we may be cuz my wife has a little floral shop and we might need to maybe a small business loan for that to you know help upgrade some things and you know get some new stuff for her. She just started so so I think that might be something to look look in to.

utterance: Yes sir. We could totally help you with that and we're.

utterance: She

utterance: Sure knows how to grow some flowers now.

utterance: We are really appreciative of your patronage to our bank and it's always a pleasure talking with you.

utterance: Well I hey I love you guys. You guys have been good to us. I guess that's about it.

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

utterance: OK sir thank you for calling Intellibank and have a nice day.

utterance: Thank you. That's right.

utterance: bye.


utterance: Hey. Intellibank here. may I ask for your first name?

utterance: Hi. This is Nancy speaking.

utterance: And last name?

utterance: Wright.

utterance: Wright.

utterance: And that's W R I G H T.

utterance: OK. And what is your date of birth?

utterance: it's six, five, nineteen eight six.

utterance: OK. And, what is your PIN?

utterance: My PIN is four eight four nine.

utterance: Four eight four nine. Alright, and what is the credit card number that you're referring to?

utterance: Four zero six zero four two five six seven eight six five two seven one nine.

utterance: Mm.

utterance: OK. Great. Now, how much are you looking to pay today?

utterance: I was actually calling to schedule an like a payment out of my account for my credit card. I want it to be taken out on Monday.

utterance: On Monday? OK.

utterance: And, I'm thinking that I want to pay off the whole thing. Am I able to do that in one sitting?

utterance: Yeah, Absolutely! Now, Now the question is, what is your bank account number and your routing number, so we can make sure it goes through effectively.

utterance: Of course. Just one moment. I'm gonna try to find a piece of mail that has my account number on it.

utterance: OK.

utterance: Just one moment. Sorry about that.

utterance: Oh. You're fine, you're fine.

utterance: OK, so I have my account number in front of me. Are you ready?

utterance: Yes.

utterance: OK. That's gonna be five five.

utterance: Five five.

utterance: Six nine.

utterance: Six nine.

utterance: Seven eight.

utterance: Seven eight.

utterance: Two two.

utterance: Two two.

utterance: Five three.

utterance: Five three. All right, and the routing number?

utterance: It is six three.

utterance: Six three.

utterance: Four nine.

utterance: Four nine.

utterance: Five six.

utterance: Five six.

utterance: Seven two.

utterance: Seven two. Beautiful. Ok. Well. I put that in there as yes that payment is good to go on Monday.

utterance: OK. So, are you able to go into my account and let me know how much my balance is right now because my last statement that I got was from two months ago, find the newest statement.

utterance: Oh. OK yeah, we can.

utterance: OK. Well, let's see. On here, it looks like your balance is currently at two thousand seven hundred and forty-two and sixty-five cents.

utterance: OK. Let me see my last statement. OK, so my last statement said I was at two thousand five hundred? Oh wait. Sorry, sorry, sorry. That's wrong. It's You're right, you're right, you're right, sorry.

utterance: No, it's fine. It's fine.

utterance: OK. So, yeah, today, I'd like to go ahead and schedule that to to pay that off on Monday.

utterance: Yes, yes, we yes.

utterance: OK. Great. And also, I was calling to get some information about your traveling card?

utterance: Are the travel. No, no, no. The traveler's card. The traveler's card. Is that what you're referring to?

utterance: Oh, yes, yes, yes.

utterance: Yes.

utterance: OK. Yes. What would you like to know about it?

utterance: So, if I already have the platinum card, can I upgrade to the traveler's card for free? Or, is there an application that I need to go through and pay a fee?

utterance: Mhm.

utterance: This. This should be something. No, it is, it is free because you've been with us for so long. We'll just make sure it's an easy easy task for ya.

utterance: OK. Amazing. And so, If I want to do that, do I need to speak with one of your financial advisors. Or, would I do that online?

utterance: Yeah.

utterance: The best route to take would be, Actually, yeah. Let me. I will transfer you after this call. But first off, is there anything else I can help you with to to referring to online banking?

utterance: If I want to go ahead and change my PIN number, what's the best way to do that?

utterance: The best way to do that is to Well, there, there's a number you can call, and I will just.

utterance: OK. Let me grab a pen. One moment.

utterance: OK.

utterance: OK. I'm ready to take the number.

utterance: It is one eight hundred six five two twelve thirty-eight, and it will ask you a couple questions and then you can get a new PIN through that method.

utterance: OK. Great. And you said that's eighteen hundred, six five six five two, twelve thirty-eight?

utterance: Yes.

utterance: OK. Great. So, I'm gonna probably go ahead and do that, because I keep forgetting this PIN number and I think I wanna change it to something that I can remember better.

utterance: That is absolutely fine. OK. Is there anything I can help you out with before I transfer you over?

utterance: No, that's great. Thank you so much. You've been so helpful.

utterance: OK. Well, thank you very much and have a wonderful day. Thank you.

utterance: You too.


utterance: Hello and thank you for calling Intellibank, this is Jason. How may I help you this evening?

utterance: Hi Jason, I received a letter in the mail from Intellibank and they recommended I give you a call, I'm a a new business owner.

utterance: Oh fantastic well first off, thank you very very much for contacting us and congratulations on being a small business owner.

utterance: Thank you.

utterance: So your interested in opening up a checking account with us?

utterance: Yes I am.

utterance: Oh fantastic.

utterance: Mhm.

utterance: Well that's a great way to go about getting going with your small business.

utterance: Do you think this is a great bank to bank with?

utterance: I think when you're, when you have a small business. And your looking for business accounts, I don't think your gonna find anything better.

utterance: Mhm.

utterance: OK wow, thank you.

utterance: All right so to get started I'm going to need your full name as you would like it to appear on the account.

utterance: It would be Eve Adomino.

utterance: All right, and your date of birth?

utterance: That would be may twenty-seventh nineteen eighty.

utterance: And I'm gonna need your social security number and your drivers licence or state issued ID card number.

utterance: Six two zero three two four three four one and D nine eight seven four six two five.

utterance: Great.

utterance: And what would you like the mailing address to be associated with this account?

utterance: Oh can you hang on a moment while I go get the my address from my new location?

utterance: Absolutely, please take as much time as you need.

utterance: Thank

utterance: OK I'm back.

utterance: All right, great.

utterance: And I would like it to be eleven eleven Heavenly way, Sweet city Heavensville.

utterance: Great.

utterance: ZIP code, nine nine nine nine nine nine.

utterance: Perfect.

utterance: And your email address?

utterance: OK that's gonna be Heavenly lives forevers infinity eight eight eight at Gmail dot com.

utterance: Alright.

utterance: great well now we've moved on to needing some info from your actual business.

utterance: OK.

utterance: So first of all what is your businesses name?

utterance: Heavens forever.

utterance: And are you the sole proprietor of this business?

utterance: I am yes.

utterance: and what is your tax ID number? The businesses tax ID number not your personal.

utterance: Gotcha that would be nine one eight nine one eight nine one eight.

utterance: All right.

utterance: And what was your last years gross income for the business?

utterance: Oh that was seven million dollars.

utterance: All right an even seven million.

utterance: And what was the establishment date for your business?

utterance: January first twenty nineteen.

utterance: All right.

utterance: OK and just to clarify that was the checking account you were going to be opening today, you're not interested in our smart savings account?

utterance: maybe maybe next time.

utterance: All right.

utterance: Mhm.

utterance: And will you be transferring funds from your current account over to this new account today?

utterance: I will be.

utterance: All right, and what is your current bank?

utterance: that would be Wells Fargo.

utterance: And your account number?

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

utterance: And your nine digit routing number.

utterance: Nine nine one eight seven one two four one.

utterance: And how much would you like to move from your old account to your new account at Intellibank?

utterance: Is there a maximum?

utterance: A hundred thousand dollars.

utterance: A hundred thousand dollars it is.

utterance: All right.

utterance: Gonna pop this in here and let's just see, all right that is good to go.

utterance: Now just to finish up here I'm gonna need you to select a four digit security PIN for whenever you call.

utterance: And it's advised to not use the same number repeatedly?

utterance: yeah and also if you can not use anything any numbers that you've used for other accounts you may have open.

utterance: OK I'll go with zero seven eight six zero.

utterance: All right well you are all set you now have an Intellibank business checking account.

utterance: OK great.

utterance: You'll receive your cheques and your card in the mail in seven to ten business days.

utterance: OK.

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

utterance: No.

utterance: Well thank you very much, have a nice time thank you for calling Intellibank.


utterance: Good afternoon, this is Tom, Intellibank. How can I help you today?

utterance: Yeah, Tom, I am calling because I would like to get an investment report sent to me as soon as possible because I'm looking to make some moves.

utterance: Yeah makes sense we can get that to you, we'll send a couple of different ways. If you want emailing, lets get you set up to get an email. let me start with getting some information. Gimme your first and last name.

utterance: First and last name absolutely Tom. My name is Leo Perony.

utterance: Perony. Spell that for me please.

utterance: L E O P E R O N Y.

utterance: and also your date of birth.

utterance: you know what actually Tom? My name actually wanna go back and give you this name. My name is Elis Redmond.

utterance: OK. So did you have a name change? Recently.

utterance: you know what? Mhm. All right. I'll give you my real name I'm just messing with you. All right my real name is Leonard Rock.

utterance: All right. Let's try that Rock and can I get your date of birth Leonard?

utterance: Yes. Eleven eleven nineteen eighty-one.

utterance: All right mm and also your account number.

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

utterance: All right What's your situation we gonna have to ask for your PIN the answer you have for a question that you did when you set up the account account.

utterance: OK.

utterance: So is it's name of the first street you lived on Mhm.

utterance: First street I ever lived on was called Lullaby lane.

utterance: Correct.

utterance: What's the other one question?

utterance: PIN number, four digits.

utterance: Ma four digits PIN that's three six six.

utterance: All right. We have you in here so we can set it up you said you needed it urgently. That's right? That's right?

utterance: Yeah, yeah as soon as possible.

utterance: We could send it to you by email and that will that should take like about ten minutes. But first we need. Can I get your email address?

utterance: Uh-huh.

utterance: We can also send it by paper, it sounds like you want it urgently though?

utterance: Yeah if email is quicker. Let's let's do let's do let's do email.

utterance: OK.

utterance: All right.

utterance: OK. Can you verify your email address? Associated.

utterance: Absolutely.

utterance: My email is the notebook nineteen ninety at oh, Yahoo dot com.

utterance: OK.

utterance: Can I just try that, let me try again, that doesn't seem to go through.

utterance: And there is another email?

utterance: that's Oh, try this one. the winner eighty-seven at Yahoo dot com.

utterance: OK. Looks same I tried that a couple of times.

utterance: Is everything spelt the way it should or do I could it be like a Hotmail account or something different? Like.

utterance: You know sorry my bad. I I apologize for that. OK, I'm in here now so we'll just send you an email and

utterance: Cool.

utterance: You'll click on the link and you'll get that and then it will give you a bunch of options you can set up to have this sent to you by different you know, monthly.

utterance: Right.

utterance: Weekly, however you like to do that if you are interested in, or we have a program that has to do with you meeting with investment specialists if you want that option?

utterance: Oh.

utterance: No.

utterance: I'm good I just wanna make sure those emails. I wanna get those emails directly from Interscope Bank.

utterance: it's Intellibank dot com.

utterance: Oh.

utterance: Intellibank dot com. OK. That that's all I really need today. As long as I can get that urgently. I mean, I'm gonna check my account right now and make sure it's in my inbox and if there's anything wrong I can just call you back, right?

utterance: Yup.

utterance: OK Cool yeah and that's it for the day. Thank you so much for your help.

utterance: Yeah, no problem. You take care and thanks for banking with Intellibank.

utterance: Oh yeah and thank you for being such a great customer service rep.

utterance: I appreciate that. Bye.


utterance: Thank you very much for calling Intellibank. My name is Robert. How may I be of assistance today?

utterance: Hey Robert, please do something. I don't know if you can you can help me with this and I'm not sure if if I have the right idea of how it how it should be done. but follow me if if if possible.

utterance: OK. Well, I am here to help so I will do my best in any possible way to take care of you today. what can we do?

utterance: well I have I put money in two places with you guys. Oh I guess technically three places. I guess it's like a one one one account I opened I don't know about fifteen years ago when I was still a student. That was kind of helping with loans and and some of those transactions so I could better budget everything for myself. and then kind of one I opened recently just as an just as an adult account with I guess my my credit and and checking evolved so I can kind of pick up on a few of those things. So just some of the benefits that come along with with being an adult and those purchases and traveling and everything like that. and then the third one is just I guess sort of like a small throwaway savings account I have with you guys. And so I had you know these money in these three places and I guess I I wanna I wanna move move some of the money around for all intensive purposes.

utterance: Yeah that is.

utterance: from one.

utterance: Bucket to the other bucket.

utterance: That is not a problem at all. What you're gonna what we're gonna wanna do today is make an internal transfer and that is something I do help you with. That's something that we can take care of right here on the phone. I just need to get a little bit of information from you.

utterance: OK. Excellent. Internal transfer. Got you.

utterance: So we're gonna start off by I'm gonna need your name, first and last as it appears on your account.

utterance: David Brendan.

utterance: OK, David. And, I'm going to need your bank account numbers. let's start with your commercial checking account.

utterance: OK. the commercial account. Let me see. Let me see. Here it is. nine one two four one six.

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

utterance: Three one two four.

utterance: All right. I have that account pulled up. And what is the what is the account number for your older account?

utterance: one six four three five eight.

utterance: And the pin number for that account.

utterance: Six eight four three.

utterance: All right. so are you looking to move all of the money from your old account into your new account?

utterance: no. I guess I'd like to kinda keep about two hundred in the old account just as a little something that just kinda like think of it as a surprise for myself. You know, oh there's this extra two hundred that's just kinda sitting there that if something comes up I can kinda come back to and and and move as necessary but still still maintain the the main account as as as the core of what I'm trying to do you know.

utterance: I totally understand that. that is a a very smart move, something I I do myself. so if we transfer two hundred over, that will leave you with four hundred and fifty dollars in your smart savings account. would you like to go ahead and do that internal transfer?

utterance: Yeah, that'd be excellent.

utterance: Great. I can take care of that right now. There will be no fee and it will be instant. I just need a couple of pieces of information from you for security purposes. could I please have your date of birth?

utterance: October fifteenth two thousand four.

utterance: And your first pet's name.

utterance: Jimmy.

utterance: And the last four of your social security.

utterance: Two nine six four.

utterance: So just to confirm, we are moving two hundred dollars form your smart savings account to your commercial checking account. Is that correct?

utterance: Correct.

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

utterance: no, no you've been great.

utterance: Great! Well thank you so much for calling Intellibank and you have a wonderful day.

utterance: Thank you. You too.

utterance: Thank you. Bye.


utterance: Hello and thank you for calling Intellibank. My name is Gloria and I will be here to assist you today. How may I help you?

utterance: Hi I need to apply for sorry. I need to apply for a real estate loan. And excuse me. I'm sorry. I need to apply for credit and also add a user to my account. Oh wait. You know what? I do need to apply for a real estate loan. I'm so sorry. I'm I'm a little out of it today.

utterance: That's OK. It sounds like you're multi-tasking.

utterance: I am. I just

utterance: I couldn't remember if it was credit, real estate. I'm just having to do a bunch of different things at the same time.

utterance: Not a problem. I'm happy to assist you. And Gloria may I ask your first and last name please?

utterance: Oh no I'm you're Gloria. My name.

utterance: I'm having a day too for thank you so much.

utterance: that's OK. My name's Antonia Kaplin.

utterance: Thank you Antonia. Antonia?

utterance: Uh-huh.

utterance: Great and you would like to go ahead and apply for a real estate loan?

utterance: Yes.

utterance: OK.

utterance: Great. All right then. I'm just gonna ask you some questions so I can do this for you over the phone.

utterance: OK.

utterance: What is your, I have Antonia Kaplin. Kaplin with a K.

utterance: Mhm.

utterance: Great. What is your address, your home address please?

utterance: one one zero five Fairfax Avenue. Paris, Texas. Nine one three two one.

utterance: OK. Thank you so much. And what is your social security number?

utterance: One one three five six two two one three four.

utterance: Two one three four. Thank you so much. And what is your driver's driver's license number and the state it was issued from?

utterance: that's Texas and it's T seven one five three four two.

utterance: OK. Thank you so much. And a four digit security pin number that you would like to create for this account.

utterance: Five seven one three.

utterance: Five seven one three. All right. And what is the name of your business?

utterance: Yes.

utterance: name of my business is Antonia's Jewels.

utterance: That's a lovely name. I'd like to shop there.

utterance: Thank you.

utterance: OK. And are you the sole owner of this business?

utterance: yes I am.

utterance: Thank you. And what is the approximate month and then the year that you established your business?

utterance: It was two thousand and twelve. It was May.

utterance: May. All right. May of two thousand and twelve. All right and Antonia for last year what were your approximate gross annual sales?

utterance: Fifty thousand.

utterance: Fifty thousand even?

utterance: Mhm.

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

utterance: Seven one three one two six four five nine.

utterance: Thank you. And the address where your business is located?

utterance: Yes that's twenty-two thirty-three Roof Avenue, Los Angeles, California. Nine zero zero six four.

utterance: Thank you and is that Ruth Avenue R U T H or roof like the top of a house?

utterance: Like the top of a house.

utterance: All right. So R O O F. Thank you so much. And your mailing address, is that the same as your business address?

utterance: F.

utterance: Great.

utterance: Yes.

utterance: All right. Very good. And what is the credit limit that you are applying for?

utterance: twenty-five thousand please.

utterance: Twenty-five thousand dollars. All right.

utterance: And then also, before I forget, I need to add like a user to my account.

utterance: Certainly. Let's go ahead and do that now while I before finalize this.

utterance: Mhm.

utterance: And who would you like to add?

utterance: my husband. His name is Harry. H A R R Y.

utterance: All right.

utterance: Last

utterance: Name Kaplin.

utterance: Same spelling? OK. All right, but the loan will will be under just your name alone?

utterance: Yep.

utterance: Alone? Yes. Everything else stays the same.

utterance: All right. Very good. So while I'm finalizing this application just letting you know that, when we're done, I will be sending you a link to your email address. That way you'll be able to view this application and there will also be another link for you to upload two documents, a copy of your business ID number and a a photocopy of your driver's license.

utterance: Great. Thank you so much.

utterance: Thank

utterance: You. It will take seven to ten days to process this and please be advised that interest rates are set by the FCC.

utterance: OK. Thank you.

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


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

utterance: How're you doing Jerry. What is my net income from my business?

utterance: Certainly, I'd be glad to assist you with that. first of all, if I could just ask what's your first and last name?

utterance: Bedroom Freeman.

utterance: OK and Mr. Freeman, what is the name of the business that has an account with us on file?

utterance: Oh, Ray's Construction Company.

utterance: OK thank you for that Mr. Freeman. Now Mr. Freeman, I'm gonna ask you a few questions because here at Intellibank we do take your account security very seriously and this is for you and your business's protection. Is it all right Mr. Freeman, if I asked you a few questions in order to verify your account?

utterance: Sure go ahead.

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

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

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

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

utterance: OK, and let me repeat that, that is three six eight eight Layman Court.

utterance: Yes sir.

utterance: Smyrna Georgia three zero zero eight zero.

utterance: That's correct.

utterance: And Mr. Freeman what is your date of birth?

utterance: my date of birth is three twenty-six nineteen seventy.

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

utterance: All right. the account number is seven eight four hang on let me correct that. Is that that that number is nine eight four six five nine one nine. Thank you.

utterance: OK, thank you for that and final question here what is your PIN number?

utterance: That PIN number is one seven nine five. and yes infrastructure. but you know this, that that process is so slow and money so slow to get to to the small people. The big people have to handle that money for you is like they know we're going to first, you know.

utterance: I see I see so yeah I mean you're in this construction business so I'm sure the infrastructure bill is something that you've been closely monitoring.

utterance: Yeah I'm looking at it cuz I like to have a piece of piece of that rock but you know sometime the big boys get the big chunks .

utterance: We always say it's gonna be a pretty large bill that passes. So I think it's trillion or more at least so that should be something that gets to small businesses across the country.

utterance: Yeah yeah yeah that all that sound good to say that but we just have to see how that play out.

utterance: I completely understand well I guess the key for you would probably be to you know, reach out to your local representatives and see if they can guide you on how to apply for those projects in your area.

utterance: Oh yeah, take them out to a nice steak dinner and she she can get them to do something for me or they're gonna do nothing for nothing.

utterance: I'm sure that's something that that's one way to look at it. And Mr. Freeman I was able to verify your account. and it appears here that as I have review your account you mentioned the net income. what is the period of time that you're looking for your net income?

utterance: The past quarter, for the year, thirty days.

utterance: I'm looking for right now the thirty days at this point.

utterance: OK well as I look at the thirty days here time frame your net income presently is eleven thousand seven hundred and twenty-two dollars.

utterance: OK. All right. That's that sounds pretty good though We got to get. Got to figure out some way we can make the income get below more or so. It's going to take a minute.

utterance: Understood well I mean what we do here is really attempt to provide you with the tools so that you have the knowledge necessary in order to affectively manage your financial resources. So of course we know that these numbers change frequently and we're obviously readily and available to address any concerns you may have or answer any questions you may have about this at at any time Monday through Friday.

utterance: Oh, I appreciate that thank you so much. you have been very good at this information you've given me and thank you for your time.

utterance: Well, Mr. Freeman we certainly thank you for choosing to do business with us and if that is all.

utterance: And that'll be all thank you so much. You have a good day.

utterance: Thanks, you as well.

utterance: All right bye bye.

utterance: Bye bye.


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

utterance: Yes so I'm trying to determine the business stats to income ratio. Is that something you could help me with?

utterance: Yeah. Are you an account holder with Intellibank?

utterance: I am.

utterance: Yes I can help you with that. So who am I speaking with today?

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So you're wanting to run the metrics to determine your current income or debt sorry income to debt ratio. Is that correct?

utterance: Yeah if we can do that that'll be great.

utterance: OK. What kind of account do you currently have with Intellibank?

utterance: So I have the platinum business checking account.

utterance: OK Jill. So we do not offer a platinum checking. Could you possibly mean our preferred business checking account?

utterance: Yes I'm sorry. That's what I meant. I get it confused with my credit card with you guys. Yes it's the preferred.

utterance: All right. Not a problem Jill. And so what is your account number?

utterance: Give me just a moment to look it up one second. So my account number's three for six zero two nine nine eight.

utterance: All right Jill gonna give you just a second OK and what is the name of your business?

utterance: It's Johnson Controls.

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

utterance: So my date of birth is March second of nineteen eighty.

utterance: All right Jill and the account also has a four digit PIN number on it for security purposes. Could you share that PIN number with me as well?

utterance: Yeah it's six four seven eight.

utterance: OK Jill. I'm sorry that is not correct.

utterance: Wait I'm so sorry that's actually nine three zero nine. Sorry I forgot I changed it a while back.

utterance: OK. Oh that is the correct one. Thank you for that. So what time frame are you looking at for this report?

utterance: Well first can you kind of tell me what this report is going to tell me and then that will kind of expand from there I guess?

utterance: Yeah Jill so on your debt to income ratio that is the value of your business' monthly deb- debt I'm sorry monthly debt payments ultimately divided by the gross monthly income you deposit or import. So that's what's giving you your debt to income ratio. It's kind of them it's kind of putting your debts against what you deposit every month and then kind of letting you know what what that ratio is for you.

utterance: OK. I'm sorry for all the questions but can I also ask if I needed the most recent report I guess that would need to be twenty twenty-one then correct?

utterance: Yeah that's that's correct. So we're we're not completely out of twenty twenty-one yet so if we're gonna do your most your most current report we can still do that. The figures just aren't gonna be for a full year. So you're wanting a current annual report of debt to income ratio of twenty twenty-one?

utterance: Yes please if we could.

utterance: All right. Give me just a moment to run those metrics on this OK? Were you gonna want a copy of this report emailed to you when I was done?

utterance: Yeah if you could do that that'd be great.

utterance: OK I can. Can I confirm your email address for you Jill?

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

utterance: All right. Thank you for that and I'm running the metrics for you now. Give me just a moment OK?

utterance: OK. Are you in Missouri too?

utterance: I am.

utterance: So how do you feel about this weather? It's been raining for like a straight week.

utterance: It's definitely been a very dreary week for sure but I actually don't mind the rain so I'm kind of I'm kind of enjoying it. It kind of gives me that warm cosy feeling.

utterance: Well we've had some pretty serious flooding in the area as well so that's kind of a thing what my biggest concern is.

utterance: Yeah I saw that. I don't live far from the river front so it always makes me a little bit nervous being in that area and just seeing when the the river gets really high. So that is a concern you know as nice as it is sometimes you just get you know a little bit of downtime from that rain. It's you know I'm kind of ready to get out and about as well so.

utterance: Yeah hopefully it will dry up next week and we won't we won't have as much rain but it's been kind of miserable I think you know like I don't mind the rain either but just on a consecutive basis like it's been. It's been kind of miserable not being able to do anything.

utterance: Yeah that's definitely true. Just not being to get outside you know hopefully we'll get some clear skies ahead soon but but that has. It has been a rough week of not being able to just really enjoy any of the out outdoor stuff because of all the rain. Jill I do have this information for you. So as of today's date for the twenty twenty-one year so far your account shows an income to debt ration of around thirty-four percent.

utterance: Does it tell you what the normal average is for that?

utterance: Yeah so on the debt to income ratio scale a good or normal ratio's around thirty-six percent so you're doing very well based on those numbers.

utterance: OK and you said you would you would email that to me did you?

utterance: Yeah I can email that to you. Just a second.

utterance: Is there anything else that would affect that?

utterance: So the matrix is basically all the information obtained from your account history and previously provided information on your financial accounts and this goes along with your credit report so for some reason if there are accounts or unreported debt that have not been shared that could change that number but generally your credit report seems is a catch all for for any kind of debt or income that you have coming in. so it should be pretty accurate.

utterance: OK. I've I've reported everything so I think it would be right.

utterance: Yeah then it should be pretty accurate for ya that thirty-four percent and again that's only for what we have through twenty twenty one now. so that may change quite a bit once you once you continue on with the rest of the year.

utterance: OK.

utterance: So I'm sending everything I've shared with you today in an email. Give me just a moment OK?

utterance: OK.

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

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

utterance: All right Jill. So I've got that sent to you. So thank you for choosing Intellibank. I just wanna let you know that If you need anything in the future please give us a call back but I did get that email sent to you so you should receive that very shortly.


utterance: Intellibank.

utterance: Hello?

utterance: Hey

utterance: How's it going? Hello. How you doing? All right. How can I do for ya?

utterance: Hi.

utterance: Hey.

utterance: Can you say hi a couple more?

utterance: Hi, How you doing?

utterance: Oh.

utterance: How you doing?

utterance: The sound of your voice is touching me in places I didn't know I had.

utterance: It could really? Mm, Well, all right. Well, anyway, what can I do for you today?

utterance: Yeah.

utterance: Oh. You're talking to my sixth chakra at the moment.

utterance: Oh, OK. All right. All right.

utterance: Yeah.

utterance: six and Six and Chakra, I think there's a good pizza joint down there.

utterance: Mm.

utterance: So,

utterance: You wanna

utterance: Get some pizza or?

utterance: Yeah, let's go.

utterance: Right now?

utterance: Sure.

utterance: OK. But first can I check my credit card

utterance: Absolutely.

utterance: Go ahead and give me that credit card number.

utterance: So I'll buy the pizza.

utterance: Yeah. Well, let's check your balance first.

utterance: Four zero three two.

utterance: OK.

utterance: Six

utterance: One one.

utterance: OK.

utterance: Two four three two.

utterance: Yeah.

utterance: Hi.

utterance: Hello. So, go ahead and give me your date of birth.

utterance: OK it is April fourth nineteen eighty-eight.

utterance: Mhm that right?

utterance: Yeah.

utterance: Your full name.

utterance: My full name?

utterance: Yeah.

utterance: Or as it appears on my banks?

utterance: On the bank, you know.

utterance: Oh, Marchelle.

utterance: Marchelle? Lovely name.

utterance: Marchelle.

utterance: Terrine.

utterance: Oh, a Terrine? Wow. Wow.

utterance: Yeah, what a what a name. What a name.

utterance: Marchelle Terrine.

utterance: All right.

utterance: Yeah.

utterance: All right, Marchelle Terrine, let's take a look at this. All right, you got about a fourteen hundred dollars balance on your platinum card.

utterance: Oh,

utterance: Yeah.

utterance: you do have a lotta cashback you can activate.

utterance: Ooh, activate.

utterance: You got about two hundred and fourteen dollars there to activate. So we'll go ahead and activate that and put that towards the balance. And do you wanna make that your payment? You can do that? It's a funny little way we do things here.

utterance: Activate .

utterance: Mhm. Yeah.

utterance: I would love to do that. Thank you for alluding onto the type of way.

utterance: Well we already.

utterance: We did it. It's done. It's all done.

utterance: OK. .

utterance: OK.

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

utterance: Well, tell me what kinda pizza you like.

utterance: Oh, I mean, you know I like all sorts of pepperoni and sausage, peppers and you know, just none of that fufu stuff, you know, the the veggies and stuff.

utterance: Yeah.

utterance: I

utterance: I really enjoy pineapple and jalapeño pizza.

utterance: Well.

utterance: That's where you lose me.

utterance: So.

utterance: That's

utterance: Where you lose me.

utterance: So we're not gonna meet in the middle on it?

utterance: Look, I mean.

utterance: Olives?

utterance: Olives on a pizza?

utterance: Olives and artichoke.

utterance: You're putting the

utterance: Olives on a thing that's. No.

utterance: Olives.

utterance: Artichoke and olives?

utterance: Oh, boy. Every every time. Hello. Are your chakras still on fire?

utterance: Hi.

utterance: Yeah.

utterance: OK. Is there anything else I can help you with the banking though?

utterance: the banking?

utterance: You, know I I Oh god, normally I don't do this, but I can see your PIN number here, and your PIN number's one one one one. And it's the easiest PIN. you need a harder PIN number.

utterance: Mhm.

utterance: You want me to change my PIN?

utterance: yeah, sure.

utterance: OK. While we're on the phone?

utterance: Well yeah, that's where you would do it cuz that's where I type it in, on the phone.

utterance: Type it in.

utterance: What do you want?

utterance: Zero zero zero zero?

utterance: OK I don't think that takes care of the problem but.

utterance: What do you think would take care of the problem?

utterance: Whether you use a nine and a four and a five and a two.

utterance: OK I'll go with that.

utterance: All right. Nine four five two.

utterance: What do you recommend for remembering that number?

utterance: Well, you know what what's good at nine? Nine baseball. What's four? Legs. Ostrich. What's five?

utterance: Pizza.

utterance: Pizza, slices you get in pizza. What's two?

utterance: OK.

utterance: Your parents.

utterance: There

utterance: You go. Baseball, ostriches, pizza, your parents. That's how you remember it.

utterance: OK.

utterance: All right.

utterance: Where do you bank?

utterance: Well, I bank here at Intellibank.

utterance: You do?

utterance: I sure do.

utterance: Thought they only do small business banking.

utterance: Well, I got a little business on the side, you know.

utterance: What is it?

utterance: contract. Piece construction.

utterance: Oh.

utterance: Yeah.

utterance: So.

utterance: So. That's about all you need to know about that.

utterance: OK.

utterance: So, can we give this pizza thing one more try?

utterance: Let's give it a try. Look, you know, maybe I'll do olives.

utterance: How about eggplant?

utterance: Maybe I'll try that. You're really trying my patience.

utterance: I'll make it I'll make it worth your while.

utterance: Oh, will you?

utterance: Yeah.

utterance: All right. Well, this is a business call and it's being recorded. So, I you you. Just keep it to the pizza though, sweetheart.

utterance: OK.

utterance: All right. Well, thanks for banking with Intellibank. Or whatever this bank it's called. Intellibank.

utterance: What else can you.

utterance: What else can you do for me, before we get off the phone?

utterance: Before we get off the phone?

utterance: Yeah.

utterance: Or after?

utterance: I thought this was a business professional call?

utterance: Listen to me. Listen .

utterance: To me. I'm gonna have to let you go.

utterance: OK. Bye.

utterance: My

utterance: My supervisor's on my ass.

utterance: Bye.


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

utterance: Hello Robert. I called up for my business. I am trying to find a see if you have any kind of loan that you offer for any kind of real estate. I don't know if you do that type of thing. I'm looking at some new office space, in El Segundo and I'm like looking around at my options.

utterance: And I just wanted to call and see if you offer anything as far as real estate loans?

utterance: Yes absolutely. We can definitely help you with that today. Would you like to go ahead and start with the loan applications?

utterance: Oh great.

utterance: Yeah, I'd love to. I mean, can you give me a little bit information about it first cuz I I.

utterance: I'm a disabled veteran so I get like help through other things so I'm just trying to like weigh my options.

utterance: OK. So we have two loans that we can offer right now.

utterance: Those, we can either offer you our real estate loan or our SBA seven A loan.

utterance: What kind of terms were you looking for?

utterance: What percentage of a down payment were you looking for?

utterance: I mean I don't even know I don't even know it.

utterance: What they want is a down payment for this new space

utterance: You know, I probably like, I'm hoping to, I can go something like five to ten percent but I don't know even if this is possible.

utterance: And what are they, what is the cost of this real estate that you're going to purchase?

utterance: Well, I mean it's listed at three million dollar.

utterance: You know, I obviously trying my best to see if it can swing me a deal. Also hoping to get some other people involved to help me with it but I also don't know if that's allowed with with a loan or if it has to be like solely from one like my account or if I can get some partners going out with me might they might take part of the space for their business?

utterance: Are you the sole owner of your business?

utterance: yes I am.

utterance: OK. So, to get started here, I'm gonna need your name?

utterance: OK.

utterance: Phone name, first and last?

utterance: OK. My last name is Longoria.

utterance: And my first name is David.

utterance: And what is your street address?

utterance: right now it's two one one two East Seventh Street. It's in Los Angeles and the ZIP is nine zero two nine one.

utterance: And I may need your social security number?

utterance: the last four or the whole thing?

utterance: the whole thing.

utterance: One three six seven two eight nine nine one.

utterance: And I need either your driver's license number or the number from your state-issued ID.

utterance: Yeah, I mean, they've only issued me a driver's license. I'm got to go get that though. It's, you know I I don't usually have to give the driver's license when I call this bank.

utterance: Sure.

utterance: I can hold on as long as you need.

utterance: Alright, just one second.

utterance: Sure.

utterance: OK. I got it. You need the license number.

utterance: yes.

utterance: OK. It's

utterance: Alright. Are you an existing customer with us?

utterance: I mean, I've given you every piece of information possible.

utterance: So, I'm hoping that you're seeing me in the system.

utterance: Well, before I can see in the system I am gonna need your four digit PIN.

utterance: OK. It's three nine two seven.

utterance: Alright, I am seeing your account here.

utterance: Great.

utterance: Alright. So, for a three million dollar cost.

utterance: If you can provide us with a twenty percent down payment, we can get those monthly payments down to six thousand eight hundred and fifty dollars a month.

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

utterance: It can't do better than twenty percent?

utterance: how about fifteen?

utterance: What do you have the payment says for that?

utterance: that would be.

utterance: I mean, I don't, I don't think this is gonna like a probably like I said I'm better and I think I'm probably gonna go.

utterance: through that system just because it's you know, they give me breaks. So, I just was curious if you even offered it. I don't think that I'm gonna be signing up for long today. It was just out of curiosity so no worries.

utterance: Oh I'm very sorry to hear that. Is there anything else I can help you with?

utterance: Oh it's OK.

utterance: no thank you. I'll I'll probably call back if I'm interested again.

utterance: Alright, well thank you for calling Intellibank and you have a great rest of your day.

utterance: Thank you. You too.


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

utterance: Good morning, Natasha. I'm calling because I needed some help from a risk and management specialists before filling the loss of my my business my business insurance selection. I wanted to set up an appointment with your team since I have an Intel bank account. Can you help me with that, please?

utterance: OK, sir. So to verify you wanted to set up a appointment with one of our risk management specialist because you have an Intellibank account with us?

utterance: Yes.

utterance: OK, sir. I can certainly help you with that. But first I'll need to get a little information from you so I can make sure I set up this appointment accurately if you don't mind.

utterance: I don't mind.

utterance: OK, sir. First of all, I'm going to need your first and last name, please.

utterance: yes. My first name is Gabriel. Last name Robinson.

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

utterance: Yes.

utterance: And Robinson is R O B I N S O N?

utterance: Yes.

utterance: OK, sir. Thank you so much for that. And what is the appointment medium you would like to have this set up as? We have in-person and online available.

utterance: Let me get in-person, please.

utterance: OK, sir. I can certainly set you up an in-person appointment with one of our specialists. All right. Do you have an appointment date in mind?

utterance: Hold on. Let me grab my calendar to see what day I might be available for that, please.

utterance: All right, sir. You can certainly take your time. I'll be right here waiting.

utterance: All right, thank you. Let me see here. Can't do that day OK, I got that, ma'am.

utterance: All right, sir.

utterance: But can I.

utterance: Set up for the eleven twentieth.

utterance: All right. You want it for the twentieth of this month?

utterance: Yes, if you don't mind.

utterance: OK, sir. Would you like that appointment time to be in the a.m. or p.m.?

utterance: Do you think you can squeeze me in the p.m.?

utterance: Oh, sir. I certainly can. We have one, one thirty, two, and two thirty p.m. available. Which one would you prefer?

utterance: shoot. Can you repeat those times again? one.

utterance: Yes, sir. We have one p.m., two. I mean one thirty p.m., two p.m. available.

utterance: OK. Can I get the two p.m.?

utterance: Yes, sir. I can write you down for two p.m..

utterance: OK.

utterance: OK. And what was the ZIP code for that in-person meeting you would like to set up?

utterance: it is nine eight one one nine.

utterance: OK, that ZIP code again was nine eight one one nine?

utterance: Yes, ma'am.

utterance: OK, sir. Just give me one moment while I set up your appointment in our system.

utterance: OK, take your time.

utterance: All right, Mr. Robinson. I set up your in-person meeting with one of our risk specialists so that they can get you squared away and give you all the information you need to set up your investment accounts. Your appointment time is set up for two p.m.. On eleven twenty. And your ZIP code that you gave us at nine eight one one nine. We will be sending out your appointment information. You will get a verification code via your text and email because you have those on file with us for any type of information when you set up an appointment. and sir, would you like any more information about our what our risk specialists can actually do for you or any information about any accounts or our company?

utterance: Oh.

utterance: Yes. Can you give me some information about what the specialist actually does?

utterance: OK, sir. Our risk management specialists are financial managers. They use their specific training, skills, and experience to identify possible risks that you could result in a lower cash flow for your company and business and higher insurance rates for your business. So, for instance, if you had some issue with your income coming in or generation, they would make sure that they would assess that and see how to improve that or in order to keep you from actually having higher insurance premiums based on that.

utterance: OK.

utterance: Sounds good.

utterance: OK, sir. And it. Certainly they'll give you a lot more information when you meet them in person, but that was just a brief, simple rundown of exactly what they do. They do a lot more than that. So make sure you ask as many questions as you can to get as much information from your, from your specialist when you get that appointment.

utterance: I sure will.

utterance: All right, sir. Is there anything else I can do for you today, Mr. Robinson?

utterance: No. That's about it.

utterance: OK, thank you so much for giving us a call today, Mr. Robinson. Again, my name was Natasha. I hope you enjoy the rest of your day.

utterance: Thanks very much, Natasha.

utterance: Thank you so much, sir. Bye bye.

utterance: Bye bye.


utterance: Good afternoon. Thank you for calling Intellibank. This is Sharon speaking and how may I assist you today?

utterance: Hey Sharon. How are you doing today?

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

utterance: Well, to be honest I am not doing very well. To be honest with you, I'm extremely frustrated. I own Cashes Toy Store. and I sent a pretty, well a decent shipment out yesterday to one of our specialty vendors. And I just checked our balances online and they have not made their transfer. They were supposed to wire some money into our account to pay for that. And they have not done that yet. So the thing is, is I have already made or placed an order and and the funds for that should be coming out this afternoon. And I know that we do not have enough in our checking to cover that amount. So the reason I'm calling is to see is if when that payment does come out, will you guys automatically cover that from our savings or would that just bounce or or I mean what's gonna happen? I am I'm so aggravated right now. I don't think I'm gonna I don't think I'm gonna deal with this vendor anymore.

utterance: Well, my goodness. I'm so sorry to hear that this is happening with you, ma'am. Well, we do have what we call overdraft protection. Which would be for a small fee every month. So if something like this does occur again, then we would automatically move the money from your savings into your checking. Either that or if you would like, we could do what we call an internal transfer where we just basically, move money from one account into the other. And if both of the accounts are with us here at Intellibank there'd be no charge for that.

utterance: Well, I mean I would hate to you incur additional fees every month because this is not something that typically happens so I guess let's yeah let's go ahead and do the internal transfer just in case they don't come through. oh, they're gonna get a phone call from me in just a few minutes!

utterance: Well, ma'am, I don't blame you one bit and I'd be more than happy to go ahead and assist you with that internal transfer. Let me get some information from you so we can get that set up. Okay?

utterance: Okay, yeah. Great. Thank you.

utterance: May I have your full name, please.

utterance: Yes, ma'am. This is Andrea, A N D R E A and my last name is Goodrich, G O O D R I C H.

utterance: Thank you so much, Ms. Goodrich. I have your last name spelled G O O D R I C H.

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

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

utterance: Sure, my date of birth is November the twenty-seventh, nineteen sixty.

utterance: I have November the twenty-seventh, nineteen sixty. And may I also have your PIN number, please?

utterance: yeah, that PIN number sorry about that. Sorry. I'm extremely flustered if you can't tell. that PIN number is one nine four three two seven five eight.

utterance: Thank you, Ms. Goodrich. And again, I completely understand your frustration. And I do have that PIN number as one nine four three two seven five eight.

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

utterance: Thank you so much. May I have the account number that you would like to withdraw the funds from? Your savings account number.

utterance: Yeah. That number is five three one four four four ten ninety-seven.

utterance: Thank you. I have account number five three one four four four one zero nine seven.

utterance: Yep, that is correct.

utterance: Thank you so much. And may I have the checking account number you would like the funds deposited into.

utterance: yeah. That would be account number nine three four six zero six eight seven nine six.

utterance: Thank you. I have account number nine three four six zero six eight seven nine six.

utterance: That is correct.

utterance: Thank you. And how much did you need to transfer?

utterance: let's see. There payment was supposed to have been eight thousand nine hundred twenty-five dollars and fifty-eight cents. So that's the full amount.

utterance: All right, thank you so much. So we're transferring eight thousand nine hundred twenty-five dollars and fifty-eight cents. Was that correct?

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

utterance: Thank you so much, Ms. Goodrich. Just one moment while I get this processed for you. All right, Ms. Goodrich. I do have the eight thousand nine hundred twenty-five dollars and fifty-eight cents transferred from account number ending in eight seven nine six.

utterance: and that's deposited in I'm I'm sorry. I read that wrong. It was the amount of eight thousand nine hundred twenty-five dollars and fifty-eight cents transferred from the account number ending in one zero nine seven and that is deposited into the account number ending in eight seven nine six.

utterance: Okay. Yeah, yeah. That's great. And I really do appreciate your help, Sharon. And I'm sorry if I was snappy in any way. This is just an extremely, frustrating experience I'm going through.

utterance: Well I completely understand, Ms. Goodrich and there's no problem whatsoever. I'm just glad I was able to assist you today.

utterance: Yeah, you sure did, and thank you so much.

utterance: Thank you, Ms. Goodrich. Was there anything else I could assist you with?

utterance: nope, that should do it for now. Again, thank you.

utterance: Thank you so much for calling Intellibank. And I hope you have a wonderful rest of your day, Ms. Goodrich.

utterance: Yep, me too. Thank you, Sharon.


utterance: Thank you so much for calling Intellibank. My name is Cassie. How may I assist you today?

utterance: Hi, I need to apply for a term loan, please.

utterance: All right. May I ask your name?

utterance: My name is Christina Katzman.

utterance: All right. And Christina, you said you'd like to apply for a term loan?

utterance: Yeah, my business has just been really slowly and I'm just gonna yeah, expand and I just need to apply for a loan.

utterance: Of course, happy to help you with that. I'm just gonna gather some information so I can do the application for you right here on the phone.

utterance: OK.

utterance: Christina, is your name start with a C or K?

utterance: C.

utterance: C H R I S T I N A?

utterance: That's right.

utterance: Katzman, would that be K A T Z. Great. Thank you.

utterance: Z M A N.

utterance: Uh-huh.

utterance: All right. So I'm just gonna be asking you for some information. Just to give you a head's up I'll be asking for your driver's license and your tax ID number. So if you don't have those handy I'm happy to wait if you need me to.

utterance: Oh, I have it.

utterance: OK, Jill.

utterance: actually.

utterance: Hold on one second my purse is like falling and slipping and I have all the information in my purse. And, oh my gosh I should just. It's like I just put way too much stuff in my purse and I can't find it. Can you hold on for one second?

utterance: Of course. No problem.

utterance: Thank you.

utterance: OK.

utterance: OK, I have it. Sorry about that.

utterance: All right. No

utterance: That's no problem at all. Sides a little different when you're doing an application. Yeah. OK. ma'am.

utterance: Can I just

utterance: Ask how long does it take to get approval for this?

utterance: The approval takes anywhere from seven to fourteen business days.

utterance: Uh-huh.

utterance: Fourteen days generally being the longest.

utterance: OK.

utterance: but we should have the application completed within about five minutes. And the only thing is I will be sending you a link at the end of the call for you to upload your driver's license and your tax ID number. So long as you can get that in as soon as possible we can keep to that seven to fourteen day that I just quoted you.

utterance: OK, thank you.

utterance: OK, great. Let's get started. So I have your name. your home address, please?

utterance: Mhm.

utterance: My home address is seven seven two three Devonshire Street that's Chatsworth, California nine nine one five seven.

utterance: Terrific. All right, and what is your social security number?

utterance: Three five nine two two one one one one.

utterance: All right, thank you. What is the driver's license number and the state it was issued from?

utterance: California, eight three one five five six.

utterance: Five five six? Great. One moment. Thank you, Christina. And what is the four digit PIN number either associated with your other accounts or any one that you might wanna create today?

utterance: Uh-huh.

utterance: Twenty-two thirty-five.

utterance: Twenty-two thirty-five. Thank you. What is the best email address to reach you?

utterance: Christina Tina at Yahoo dot com.

utterance: Thank you so much. That's, I like that. That's cute. Christina, are you the sole owner of your business?

utterance: yes, I am.

utterance: Thank you. And what is the approximate month that you started your business and the year?

utterance: June Two thousand twelve.

utterance: Thank you. And your gross annual sales for last year?

utterance: Twenty-two thousand.

utterance: Twenty-two thousand. All right. What is your tax ID number?

utterance: Five nine six seven three three one.

utterance: I'm sorry. Was that three three one. Thank you. And what is your business address?

utterance: One.

utterance: My business address is twenty-five sixty-nine Topanga Canyon Boulevard Chatsworth, California nine one one three four.

utterance: Nine one one three four?

utterance: Correct.

utterance: Thank you. And your mailing address, is that the same or different than your business address?

utterance: It's the same.

utterance: Perfect. All right. Christina, what is the amount that you would like to the dollar amount you'd like to apply for the loan?

utterance: Twenty thousand.

utterance: Twenty thousand. Thank you. And what is the purpose of your loan?

utterance: I'm gonna open up a frozen yogurt store.

utterance: Oh! Well, that sounds nice. So will this be a for a new business or will this be expanding on an existing business?

utterance: New business!

utterance: OK, terrific. All right. That completes the loan. I just sent you a link to your email address. I actually will show you a copy of what you've just done as well as that link to upload those documents. Do you have any other questions or is there any other way I may assist you today?

utterance: no, I'm good. Thank you.

utterance: Thank you so much for calling Intellibank and have a great day.

utterance: Thanks.


utterance: Good morning and thank you for calling Intellibank. My name is Webster. How can I help you?

utterance: Hi, Webster. my name is Marcel. It's very nice to meet you. I was wondering if you could help me out with finding out some information about the consumer price index of lumber, is that possible?

utterance: For sure. For sure. Can I. For starters can I get your first and last name?

utterance: Yeah. My first name is Marcel. M A R C E L My last name is Duchamp D U C H A M P.

utterance: All righty. Can I get your date of birth and your pin number to unlock your account?

utterance: Sure my date of birth is August third nineteen ninety and my pin is zero one one four.

utterance: Zero one one four. Perfect. Give me a second please, while I check everything over and make sure everything on your account is looking good.

utterance: All right. Loan looks good. Auto loan looks good. How are you liking that new BMW?

utterance: Oh it's. It's great. It's it's fantastic. Thanks for asking and I was able to To really save up thanks to you guys and and get it on the road. It has a really good mileage. gas mileage ratio. I'm really happy with that. Do you. Do you do you drive BMW? Or you. Do you have Do you have a car like that?

utterance: Oh no. Unfortunately I haven't reached the The income bracket to be able to get one of those. But hopefully one day soon.

utterance: One day.

utterance: So OK. Everything's looking good. I'm glad you're enjoying your BMW. all right. So you wanted to know what the CPI rate was?

utterance: Yes, for lumber.

utterance: For lumber, OK. For lumber. Let's see.

utterance: Whoa. It's increase quite a bit. I didn't. I wasn't even aware of this. It's now up eighteen percent.

utterance: Oh wow. That's that's fantastic news. No, I have a follow up question to that. Is this lumber Is this a Is this domestic lumber or is this an international on an internation scale?

utterance: Oh no this is. Here at Intellibank we only deal with things in the United States. So I'm currently not aware what the CPI could be in any other countries. But I'm sure that's something you could find Pretty easily online.

utterance: Yeah. Yeah. No, that's that's good. Thank you. Thank you for that information. You know, I do have a another question if that's OK? If I'm not taking up too much of your time?

utterance: Not at all. Fire away.

utterance: Yeah. So I do. I've been doing some travel between the US and Canada. it's kind a what my business is and I was wondering what the current exchange rate for US to Canadian was? If I was to You know, get. Get some money converted over to Canadian Dollars.

utterance: Right. Well looks like Well give me one second. OK. Here we go.

utterance: It looks like the dollar. The dollar's strong. Looks like the dollar is two point four percent stronger than the Canadian dollar.

utterance: Wow so. Would you recommend that that's good time to convert US currency to Canadian currency?

utterance: I'd say so are you planning on going to Canada anytime soon, or is this just for investment purposes?

utterance: Yeah, I guess my My dates are are. Within the next Next month or so. I'll be going up to Canada So do you think this exchange rate will hold or should I should I go ahead and make an exchange now?

utterance: let me see. You said. You said next month?

utterance: Yeah, I'll be. I'll be leaving in two weeks and I'll be up there for two weeks.

utterance: OK. So your gonna be leaving in two weeks Duration will be two weeks. Yeah is. Looks like that. Looks like that rate will hold firm during your trip. So I'd go ahead and pull the trigger on that.

utterance: All right. That sounds good. I think I will do that. great. I'll have the I'll have the bank make that currency exchange for me.

utterance: Sounds good. Is there anything else I can help you with Mr. Duchamp?

utterance: No. I believe that's all. Thank you so much for your help.

utterance: Well, thank you for your patronage and we appreciate you as a customer. Hope you enjoy the rest of your day and please please hang on the line. There's a short survey coming on afterwards.

utterance: Thank you.

utterance: Thank you.


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

utterance: Yeah, so I'm thinking about purchasing some stock. I've got a good lead, but I'm just trying to find out if the value's there.

utterance: OK, I can, will help you with that. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: It doesn't matter, Jill I guess.

utterance: All right Jill. So do you currently have an account with Intellibank?

utterance: Yeah, I do.

utterance: All right Jill, so just to clarify, so you're, you're kinda just maybe wanting to get a stock quote. You're, said you got some stock you're interested in, you're just trying to find out some more information about it?

utterance: Yeah that's pretty much what I'm trying to do. I just, I just have some questions.

utterance: OK, Jill, so I just need to get some information from you, to do that. What is your account number?

utterance: So my account numbers, three, four, six, zero, two, nine, nine, eight.

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

utterance: It's Johnson Controls.

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

utterance: It's March second, nineteen, eighty.

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

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

utterance: OK. Jill, that is not correct. Did you possibly, h- have another number that you're, you're, you think it might be?

utterance: OK, could it be the last four of my social then, seven, six, five, one?

utterance: No, that is not i- correct either is w- either. is there anything else what you maybe want me to hold, while you try to look that up? Or?

utterance: Is it my, is it my husbands? Four, eight, zero, two?

utterance: No Jill I'm sorry that's incorrect as well. Unfortunately due to the security measures put in place, I'm unable to provide you with any information pertaining to this account, or or even provide you with that information regarding to the stock market, right at this moment. If you would like to find that information, or talk with your husband, and contact us back, then we could, we could provide that information to you then.

utterance: I just, I just don't know what else it could be. What else can I do, I'm so, you can't give me that information then? At all?

utterance: I, I, un-, I know unfortunately we can't. I understand, Jill, that that, y- you know, that you're wanting that information, but Intellibank has security measures put in place to ensure that our customers are protected and that we're only providing sort of, information to our customers. if there was another way you wanted me to, to verify that account information, I could do that with you, unfortunately though because you've chosen the PIN as your security measure, that, that would be what I would need in order to verify that, So, if you wanted to you can actually go to an Intellibank branch, and you can provide a valid phot ID and they can change that PIN number for you there. And they can also provide you with some of that account st- I'm sorry, that stock information that you're requesting as well.

utterance: OK, but I can't change it over the phone then?

utterance: No I'd still need you to confirm that security question, before I'd be able to upde- update that for you. If you wanted I could per- help provide you with a, a location if that would help you?

utterance: OK, so, is there a, maybe you, could you at least tell me what a market order is? Could you at least explain that to me then?

utterance: Yeah I can do that much for you. So a market order is basically an order to buy or sell a security immediately. The type of order guarantees that, that order will be executed, but it does not then guarantee the execution price. Generally it be at or near the current bid for the sell order. So you're paying for whatever the current stock market price is for that share. So that's what, what a market order is.

utterance: OK, then, so, could you possibly, maybe you know, maybe help me to find out the location then?

utterance: Yeah I can do that, you mean a location to the nearest bank branch?

utterance: Yeah, that's what I'm saying. So that I could go in and change my PIN number?

utterance: Yeah, I can do that for you. Unfortunately you know I'd, I, I would be happy to purchase those shares for you, but we'd have to locate that PIN number for you to do that. So are you are you wanting something close to your business or to your addre- oh, I'm sorry to your business address?

utterance: something close to my residence if possible.

utterance: OK, give me just a moment to look at that, OK?

utterance: OK, are you here in Kansas city?

utterance: I am.

utterance: So you gonna go to that arrowhead event tonight?

utterance: No I don't believe so, you mean the one that's at the chiefs the chiefs stadium tonight?

utterance: Yeah, my husband and I have season passes, so we're going to go, it's supposed to be like a fireworks display. And a whole bunch of really cool stuff.

utterance: Yeah, it sounds like it'd be really fun, but unfortunately we already had some plans tonight, me and my husband did. So we're not gonna be able to make it to that.

utterance: Oh, Well I think it will be really neat. I think there's supposed to be some food and stuff, so, We're definitely, gonna go check it out, I was just curious if you thought you'd be going as well.

utterance: Yeah unfortunately we, we we already had made some plans, but it did sound like it'd be a really good time. Jill, I did find a location for you, for the nearest one for your, your residence. Looks like it's two, one, seven, Annie hock Road, and that's Kansas city, Missouri, and they're open till five PM today. So if you wanted to, go into there and, provide your valid photo ID, they should be able to change that PIN number for you as well as get that stock information for you. Was there anything else I could help you with today?

utterance: No, I think that's everything. I'm sorry I wasn't more prepared. I apologize.

utterance: That's all right Jill, again, I'm sorry we that we weren't able to help you today as well either. But I just wanna thank you for choosing Intellibank, and just, you have a great day OK?

utterance: OK, thank you.


utterance: Hello, and thank you for calling Intellibank, my name is Judy and I will be glad to assist you on this call today. How may I help you?

utterance: Well hello, Judy.

utterance: How are you doing today?

utterance: Oh, I'm very well, how are you doing?

utterance: Great! Thanks. How may I help you today?

utterance: I'd like to apply for a term loan, please.

utterance: Oh, I'll be glad to help you with that. and who do I have the pleasure of speaking to today?

utterance: Wilhemina Spots.

utterance: What a fabulous name you have, Wilhemina, all right. All right Wilhemina, well I'll just be asking you for some information so I can do your loan here online. I'll just need you to have your address, driver's license, your gross annual sales and your tax ID number handy. Do you have all that information ready?

utterance: I do.

utterance: Great, all right, so let's proceed. Can you tell me your last name again Wilhemina?

utterance: Spots, S P O T S as in you're seeing spots.

utterance: Got it here. All right, thank you so much, and may I please have your address, your excuse me, your home address, please.

utterance: Four nine one one Hope Street. that's Tucson Arizona, seven nine one four five.

utterance: Seven nine one four five?

utterance: Mhm.

utterance: Great, thank you.

utterance: I'm just curious, where are you located?

utterance: the call center I'm calling from is in Upstate New York.

utterance: Mm.

utterance: Beautiful day outside, how about you? Well how's it where you are?

utterance: Oh, it's hot here. Hot, hot, hot, and more hot.

utterance: Oh that's.

utterance: You're in Arizona, of course. Oh Don't think I could take that. My goodness.

utterance: Yes.

utterance: Yeah, we we sweat all day.

utterance: Holy moly, whew. All right, my dear, may I please get your Social Security number?

utterance: Two five nine one one six seven three four.

utterance: Great, thank you. And, I'll need your driver's license number and the state that it it was issued.

utterance: Arizona A Z nine two five seven one three.

utterance: Great. and, a four digit number that we can use to create a security pin for you?

utterance: Can you hold on please? Lemme grab that.

utterance: Oh, you have one established already? Got it. Not a problem. I'll be glad to hold.

utterance: Thank you.

utterance: Mhm.

utterance: OK I have it, are you ready?

utterance: Absolutely.

utterance: Four nine one one.

utterance: Four nine one one. Thank you. And, your email address.

utterance: Email address is Wilhemina girls at Yahoo dot com.

utterance: All right, thank you. And Wilhemina, are you the sole owner of your business?

utterance: I.

utterance: Am.

utterance: Great. And the approximate month and year that you established your business?

utterance: Was nineteen ninety-nine, and that was September.

utterance: Well, my congratulations on having a long-standing business, that's great to hear these days.

utterance: Thank you.

utterance: And Wilhemina, what were your gross annual sales for last year?

utterance: Last year was three hundred thousand and twenty-four dollars.

utterance: Oh, you are very on top of it. You have it almost down to the penny.

utterance: That's correct.

utterance: All right, may I also get your tax ID number, please.

utterance: Tax ID number, seven one three six six nine two one four.

utterance: Great. And, the address for your business?

utterance: Yes, that would be seven three one one Noze N O Z E Avenue, And that's Armchair, I know it's a funny word but it's true, Armchair Arizona. One one five two three.

utterance: Terrific. And is your mailing address the same as your business address?

utterance: Yes, it is. Thank you.

utterance: All

utterance: Right.

utterance: And lastly, or we're almost done here, what is the line of credit you desire to open?

utterance: I'd like to take out a line a credit for fifty grand, please.

utterance: Fifty thousand dollars?

utterance: That's correct.

utterance: All right.

utterance: And, lastly, what is the purpose of your loan?

utterance: I need to expand my business. I want to open up another location.

utterance: All righty. All right Wilhelmina, I did send this application in into your email. I should say a link to the completed application. The only thing I will need from you is a photocopy of your driver's license and tax ID, which you can upload into our system in the link and lastly, I do need to advise that interest rates are based on credit and FCC regulations.

utterance: OK.

utterance: Do you need anything else, or any other way I may assist you today?

utterance: No, thank you.

utterance: Thank you and have a great day and thank you for calling Intellibank.

utterance: Thank you.

utterance: Bye.


utterance: Hi. Thank you for calling Intellibank. My name is Shonda and how may I assist you today?

utterance: Hi, Shonda. How are you doing today?

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

utterance: Yes, ma'am, I sure am! this is Joan I'm calling from Tiger Architecture.

utterance: I was calling to see if I could check the available balance on our Intellibank Business Silver card?

utterance: I'd be more than happy to assist you with that today, ma'am. I do need to get some information from you so I can pull up your account.

utterance: Your first name was Joan, was that correct? J O A N?

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

utterance: Thank you so much. And may I have your last name, please?

utterance: Sure. It's Williams, W I L L I A M S.

utterance: Thank you so much, Miss Williams. And may I also have your date of birth, please?

utterance: Sure. It is February the twelfth, nineteen sixty-five.

utterance: All right, so I have February the twelfth, nineteen sixty-five. And may I have your company PIN number, please?

utterance: Sure. It is one seven seven zero two zero three two.

utterance: OK. Thank you so much, Miss Williams. I have that PIN number as one seven seven zero two zero three two. And you're with Tiger I'm sorry, excuse me. Tiger Architecture, was that correct?

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

utterance: Thank you so much. Now you're wanting to check the available balance on your Intellibank Business Silver card, was that correct?

utterance: Yes, ma'am.

utterance: OK. That will be no problem what so ever. I am happy to assist you with that. May I have that credit card number, please?

utterance: sure.

utterance: Actually, could you hold for just one second? I do not have that right in front of me, although I should have. I am so sorry.

utterance: That's no problem what so ever, Miss Williams. Just let me know when you're back.

utterance: OK, it'll just take a second.

utterance: OK, Shonda, I am back and I am actually working from home today, and I do not seem to have my credit card number here. Is there any other information that I could give you to be able to pull up this to pull up our balance?

utterance: Well unfortunately, Miss Williams, for security reasons, I would have to have that credit card number.

utterance: I am so sorry for the inconvenience.

utterance: Oh! Oh goodness! OK. I guess what I'm going to need to do is call my business manager and get her to give that to me.

utterance: And give you guys a call back. Now, there was two other things that I needed to do would I be able to go ahead and update our address as well as our telephone numbers with you? without that credit card number? We have just moved locations.

utterance: Yes, ma'am. I'd be more than happy to assist you with that, Miss Williams. Let's go ahead with your address.

utterance: Now I'm showing, we have the address nine eight three one, Fifty-first Street, in New York, New York.

utterance: OK. Yes, ma'am. That is our old address.

utterance: Our new location is at four six zero nine Old House Drive, and that is also in New York, New York.

utterance: All right, Miss Williams. I have your new address as four six zero nine Old, O L D. House, H O U S E. Drive. In New York, New York. Was that correct?

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

utterance: Thank you so much, Miss Williams. And I am ready to go ahead and update your phone number.

utterance: The phone number we have on file is area code, four zero six nine two nine three seven four three. Is that the correct phone number?

utterance: No ma'am. Our new phone number is going to be area code, four zero six, four one three, five nine six seven.

utterance: All right. So I have your new telephone number as area code, four zero six, four one three, five nine six seven. Is that correct?

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

utterance: OK. Thank you so much, Miss Williams. I do have that information updated for you. Now is there anything else that I could help you with today?

utterance: no, ma'am. Not until I call and get that credit card number.

utterance: All right. Well Miss Williams, I will be more than happy to assist you with that available balance, just as soon as you do get that credit card number.

utterance: Now, you can also use our free online banking at WWW dot Intellibank dot com.

utterance: you can use that to update all of your information as well as check all of your business I'm sorry, your business credit card available balances. And you can also check your balance, as well as transactions on any of your accounts, as well.

utterance: Oh! OK. Great, thank you so much.

utterance: Yes, ma'am, Miss Williams. Thank you so much for calling Intellibank and have a wonderful day.