utterance: this is Intellibank. What's going on? how's it going?

utterance: Who did I call?

utterance: Intellibank.

utterance: Oh OK good that's what I thought.

utterance: Yeah go ahead what's going on there?

utterance: Yeah this is Rita Lalow.

utterance: Rita Lalow how you doing sweetheart?

utterance: better now how are you?

utterance: I'm doing great. I'm doing great. Yeah, thanks for thanks for asking. I'm just so happy you called.

utterance: Yeah.

utterance: You are?

utterance: So happy

utterance: You called Intellibank I. What. How can I help you today?

utterance: Well is there a way I could help you before you help me?

utterance: No I don't know how you could help me I'm doing all right.

utterance: Have you had a meatball sandwich yet for lunch?

utterance: No not yet gotta lay off you know what I mean. I gotta lay off so.

utterance: Oh I was gonna have one delivered to your office.

utterance: Well that's sweet of you. You know what I'll eat it. I'll go ahead and do that. Yeah go ahead.

utterance: You will?

utterance: All right.

utterance: Yeah.

utterance: I'm gonna send it on over. I know exactly where you are.

utterance: Oh wow. All right. Thank you so much. All right so you doing one for me. What can I do for you?

utterance: Yeah.

utterance: OK so this is what I need from you I need a real estate loan.

utterance: OK real estate loan. I think we might be able to do that. Go ahead and give me your account number.

utterance: OK can you hold on while I go look it.

utterance: Yeah yeah come on.

utterance: Make it

utterance: Quick.

utterance: It's not gonna be that quick.

utterance: Fine.

utterance: Hello.

utterance: Yeah how's it going?

utterance: Oh you're still there.

utterance: No I'm

utterance: Here. Never went anywhere.

utterance: OK thank you. Can I give you that card number now?

utterance: Yeah, please

utterance: Do.

utterance: It's five four three two two four eight one seven two.

utterance: That's fantastic. All right. I need you date of birth there.

utterance: Thank you.

utterance: June third nineteen seventy.

utterance: OK.

utterance: Go ahead and give me the address there you know what?

utterance: You know who?

utterance: Yeah go ahead you too.

utterance: Four oh five.

utterance: Sure thing.

utterance: Yowzer Way.

utterance: OK yeah.

utterance: Arizona Tempe Arizona.

utterance: Tempe.

utterance: Arizona. A hot place. I've been there once.

utterance: Yeah.

utterance: Yeah it is very hot actually. I just had to adjust the temperature in the room that I'm in.

utterance: Oh, yeah it was too hot for you?

utterance: It was toasting up.

utterance: hot room.

utterance: All right so give me the last four digits of your social.

utterance: OK it's three one nine seven.

utterance: OK yeah that checks out all right go ahead. So tell me about your business here. What are you doing?

utterance: So we do bootleg bottles.

utterance: OK sure.

utterance: Mhm.

utterance: That's what we're up to.

utterance: How long you been doing them?

utterance: we been doing them for about the past probably yeah it's been seventeen years now.

utterance: What you making a buck on that how you doing?

utterance: Yeah we're doing all right,

utterance: Not too bad. Yeah give me what's your annual sales there?

utterance: it varies drastically.

utterance: Sure, and you have

utterance: Ups and downs downs and ups sideways and zip zaps, you know what I mean? Yeah. I get ya.

utterance: Yeah. Mhm.

utterance: Yes.

utterance: Yeah. So.

utterance: Well where you

utterance: At now?

utterance: Oh so far we've brought in about ten thousand dollars.

utterance: OK well that's not you're not Apple let me tell you that.

utterance: Far from it. Yeah.

utterance: Yeah, of course.

utterance: You know and so what you trying to buy some new property or what?

utterance: Yeah. so let me I'll tell I'll disclose.

utterance: Yeah please disclose.

utterance: Cuz I just ate a meatball sandwich too so I'm feeling pretty sedated.

utterance: Oh, of.

utterance: Course yeah.

utterance: Yeah.

utterance: Disclose away there.

utterance: I want the property for my personal use.

utterance: Mm.

utterance: Mhm.

utterance: But I'm gonna get it with a real estate loan through my business.

utterance: Sure you know what that's called though right?

utterance: What?

utterance: Well man I think that's some sort of laundering or embezzlement or something. It's not good. I know it's not good whatever you're trying to do. so I don't I don't know if that's kosher. As they say in life.

utterance: Well

utterance: My cousin's neighborhood.

utterance: Yeah your cousin Nate.

utterance: Yeah.

utterance: OK so let me retract that statement .

utterance: So yeah. I don't know if

utterance: Hey, I didn't hear nothing.

utterance: I heard nothing. What. so what do you wanna do with this property?

utterance: I just wanna use it for bottling up my bootleg bottles.

utterance: Yeah that's

utterance: More like it. You know. Keep it. Keep it in the business.

utterance: Mhm.

utterance: I just wanted to check and make sure I was talking to a suitable bank bank number Intel Bank.

utterance: Well, sure. I'm gonna guide you the right way, you know? And did you

utterance: Did you look at a property already?

utterance: No.

utterance: yeah don't even know OK so you you came looking for a real estate loan for something that's probably get you three to five in the in the pen. and you haven't even found the darn place.

utterance: I just wanted to see what I was working with before went property hunting.

utterance: Well you're working with the best sweetheart. That's why you didn't get past me. You know what I mean? so you know is there anything else I can do with you today?

utterance: Can you tell me about your online banking option?

utterance: Sure yeah go ahead just sign up there you know Intellibank dot com and you know sign up for an account and you can do whatever you want there.

utterance: Sounds perfect.

utterance: All right well anything else there?

utterance: Well you have a good day and you know try to keep your nose clean will you?

utterance: Oh well why don't you try to keep your nose clean?

utterance: OK, Goodbye. Ivan. Goodbye. Goodbye.

utterance: Wait, you still on the line?

utterance: Yeah.

utterance: Well I mean what go ahead and hang up on your end.

utterance: OK.

utterance: You still there huh.

utterance: Yeah.

utterance: All right so this is a business line. I'm trying to get some work calls going.

utterance: Hello.

utterance: Hi.

utterance: All right I'm gonna go ahead and hang up on you there.

utterance: Hello.

utterance: tried the old fool the fake the fakery.


speaker_role: Agent

utterance: Hello, thank you for calling Intellibank. This is Andrew. How can I help you this evening?

speaker_role: Customer

utterance: Andrew, what's shaking?

utterance: Well, nothing much here at the call center. It's not exactly, you know, it's jus- just we go through the process. Not a lot of crazy action over here.

utterance: Oh. OK. Yeah, gotcha.

utterance: Yeah, yeah.

utterance: Well, I wish it were better, wish there was more things to do.

utterance: Well, I can't complain can't complain. Happy happy to be working in these times, back in the office and interacting with everyone, you know?

utterance: Mm. Sure, of course. let's see here. Well, I was. I need to close an account of mine.

utterance: Oh, well sorry to hear that, but get that get that processed for you. Let's see. I'll start by getting your first and last name.

utterance: No, it's OK.

utterance: first name is Blake.

utterance: All right.

utterance: And the last.

utterance: Name is Grass.

utterance: Blake Grass. Date of birth, please?

utterance: it is let me see here. July twenty-fifth nineteen ninety-seven.

utterance: What's the PIN number on this account?

utterance: PIN number is three two five eight.

utterance: The account number there you're closing?

utterance: That would be five eight one seven two eight.

utterance: And if you need to just put down a reason for it's closing.

utterance: Oh. I'm gonna start a different one.

utterance: Got it. Your gonna have to p- What what type of account are you depositing it to? Is it checking? Savings? Investment? OK. And what's the six to ten digit depos- account number on that?

utterance: A savings.

utterance: sis zero three eight seven eight.

utterance: And also routing number for it?

utterance: eight two eight nine five.

utterance: Eight two eight nine five. OK. Just take a second. All right, well, that account now is officially closed and we have processed the transfer of funds over to that account you provided the routing and account number for. On your end you'll probably see the changes will appear within one to two business days. OK?

utterance: that's great. You do a lot of, a lot of people close accounts or what am I being I feel like I'm being rude. I've been banking with you guys for so long here.

utterance: No, pe- a lot of people do close accounts. I understand people you know, like to manage their finances differently. And a lot of those things can be dictated by wherever they're at in live, you know, no no judgment here.

utterance: then the second thing is I got a credit card with you. I got one of those silver platinum ones.

utterance: Oh.

utterance: Both colors, silver, platinum.

utterance: Mhm.

utterance: With a hin- tinge of gold.

utterance: I see.

utterance: very exclusive card. But I just want to get the balance on that one if you don't mind.

utterance: Absolutely. Just take a second for me to pull up that credit card page here How are you doing, Sir?

utterance: Oh. I'm good thanks.

utterance: OK. just getting that page.

utterance: Sure, yeah.

utterance: I need your PIN number for that.

utterance: Three two one seven.

utterance: And the sixteen digit credit card number.

utterance: Eight eight three two one seven eight eight three two two seven.

utterance: All right. So that that is the silver account?

utterance: Mhm.

utterance: Looks like Mm. Are you sure about that PIN number?

utterance: Yeah. I can give you another one. Three two seven one.

utterance: OK. Let me try that one. Yeah, that worked. OK. Let's see. looks like the overall balance due is eight hundred and ninety three dollars

utterance: Mhm.

utterance: And the minimum payment for this month due is sixty-five dollars.

utterance: OK. And I can just pay that online?

utterance: Yes, you can pay it online, you can pay it on the app, you can pay it by phone.

utterance: And when's it due? What day?

utterance: That would be, looks like for you it's December tenth two thousand twenty-one.

utterance: OK. I'll just pay it online. Thanks.

utterance: OK. So that account I assure you is closed that you asked about earlier and, yeah, that's your credit card. The silver account is still active and all your payments are up to date. That's just your current payment due at this time.

utterance: OK. Fantastic. Thanks for all your help.

utterance: Yeah, absolutely. And just a reminder you can also bank at Intellibank dot com or through the banking app twenty-four hours a day, seven days a week. And we have a number of zero percent APR deals right now on our credit card options. I know you have a silver but we also have the gold and platinum

utterance: OK.

utterance: Mhm. Thanks.

utterance: Thank you. Have a great night.


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

utterance: Hi Quinn.

utterance: Hi.

utterance: Hi, my name is Ginger.

utterance: Ginger.

utterance: Mhm.

utterance: Like the spice?

utterance: Yes, like the root, ginger root, good for your digestion, delicious.

utterance: Uh-huh.

utterance: Ginger, what can I do for you today?

utterance: Oh yeah, I was calling to check the balance of my loan.

utterance: Sure Ginger, can I get a couple of things for you, just so we verify that it's you?

utterance: I guess so.

utterance: Alright, what's your last name, Ginger?

utterance: Depito.

utterance: Depito?

utterance: Mhm.

utterance: What is that, Italian?

utterance: Yeah actually, it is.

utterance: Yeah?

utterance: Mhm.

utterance: All right.

utterance: Mhm, I'm Asian-Italian.

utterance: Asian-Italian, Ginger Depito.

utterance: Yeah.

utterance: Exactly.

utterance: and can I get your account number?

utterance: yes, it is four four three nine, six seven eight two, one four zero one.

utterance: Alright, four four four three nine six seven eight two one four zero one.

utterance: Mhm.

utterance: And your date of birth?

utterance: My date of birth is, can you just hold on? I just have another call real quick.

utterance: Sure.

utterance: Thanks.

utterance: Ginger Depito. Ginger Depito.

utterance: Quinn?

utterance: Yes?

utterance: Thanks for holding.

utterance: No worries.

utterance: Okay so back to it, my date of birth is seven twenty-four, nineteen eighty-one.

utterance: Seven twenty-four, nineteen eighty-one.

utterance: Yeah.

utterance: And I also just noticed, I need to go look for my card so that I could give you my card balance.

utterance: OK.

utterance: I mean my card number for. For the balance.

utterance: Sure.

utterance: OK.

utterance: OK. I'll be right back.

utterance: Okay. Oh my god I'm so buying tickets to Taylor Swift.

utterance: Quinn?

utterance: Yes?

utterance: Okay, hi. Thank you. I'm ready now.

utterance: Okay. What's the last four of your social?

utterance: Six seven nine one.

utterance: Six seven nine one, Georgia Depito born.

utterance: Ginger.

utterance: Ginger?

utterance: Yeah.

utterance: That's what I said.

utterance: You said. Okay.

utterance: What did I. What did you think I said?

utterance: Georgia.

utterance: No, Ginger.

utterance: Okay.

utterance: How could I forget a name like Ginger, Ginger?

utterance: How how.

utterance: Could you, and also I wanna make sure you're looking up the right information.

utterance: Yeah sure, of course. all right, so for Georgia I mean Ginger Depito we're gonna do your account balance check, right?

utterance: My loan balance.

utterance: Your loan

utterance: Balance check, sorry, it's my second day on the job.

utterance: Oh, it's OK.

utterance: Let's see here. Click here, click there. All right, so it looks like your balance is ten thousand dollars.

utterance: Okay. Does it happen to say on there how long I have to pay my balance back?

utterance: Yes, you have until the thirtieth of next month.

utterance: The thirtieth of next month?

utterance: Yeah.

utterance: Ooh.

utterance: Would you like to make a payment?

utterance: Hmm.

utterance: I guess so.

utterance: All right.

utterance: Yeah.

utterance: how much would you like to pay?

utterance: My. My balance is ten thousand dollars you said?

utterance: Yep.

utterance: I. I'll pay seventy-eight hundred.

utterance: OK.

utterance: Yeah.

utterance: do you wanna use your card, or do you wanna take that out of your accounts?

utterance: I have another another card I'd like to use. If you could just, again hang on I'll go get it.

utterance: Sure.

utterance: All right no worries.

utterance: OK. Thank you.

utterance: Okay.

utterance: Hey, how's a going Ginger?

utterance: It's going pretty good Quinn, how's it going for you?

utterance: Great! It's my second day and I think I kinda like this job.

utterance: Oh yeah?

utterance: Yeah.

utterance: Okay I'm really happy that you found a good fit for yourself.

utterance: All right.

utterance: You seem pretty good at at what you're doing.

utterance: I'd like to think I am. Like to think I'm the best after two days.

utterance: That sounds about right.

utterance: All right Ginger, can we have that card number that you're gonna use to pay?

utterance: Yeah, it's four four one seven.

utterance: Four four one seven.

utterance: Six eight eight nine.

utterance: Six eight eight nine.

utterance: Zero two.

utterance: Zero two. And the expiration date?

utterance: Seven, fourteen twenty-four

utterance: Twenty-four great. And I'm gonna run this let me see here perfect, it's gone through, you've payed seventy-eight hundred towards your ten thousand dollar balance.

utterance: So what's my remaining loan balance?

utterance: Well, if you paid seventy-eight hundred, you had two thousand two hundred left.

utterance: OK and I have to pay that by the thirtieth of next month?

utterance: Yes.

utterance: All right, great. Thank you so much Quinn, good luck with your work.

utterance: Thank you.

utterance: Thank you, bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Sally it would be my pleasure to serve you today.

utterance: Hi Sally

utterance: Hi!

utterance: I I've got my accountant gone for a while and she was telling that while she is gone that I should just go ahead and set up auto billing automatic billing?

utterance: OK I can help you with that.

utterance: OK and is there a is there a fee associated with billing automatic billing?

utterance: No we actually have auto-billing available at free of charge to our customers. there is there are specific limits once you get to a certain point but you're really gonna have to be sending out like a hundred or more before that that would incur a charge.

utterance: OK well yeah that will work for me. Let's let's go ahead and get that set up.

utterance: All right well I'm gonna need a little bit of information for you from you. I'm going to get to need to get your name and date of birth.

utterance: OK.

utterance: Yes it's Jerry Hoffman H O F F M A N and my date of birth is July twenty-first nineteen seventy-eight.

utterance: Perfect and do you have a PIN number for me sir?

utterance: Yes nine three eight zero.

utterance: All right and do you have what will we be doing more than one account at this time? More than one bill pay at this time?

utterance: no just one.

utterance: OK what's the recipient's name?

utterance: Crystal West.

utterance: OK and do you have her address?

utterance: yes it is seventy-six Sunbeam Drive.

utterance: OK seventy-six Sunbeam Drive is that right here in?

utterance: it's in Buffalo Grove Illinois.

utterance: Buffalo Grove.

utterance: OK, and ZIP code being six hundred eighty-nine?

utterance: Yeah, six zero zero eight nine.

utterance: OK and let me back up is that Crystal with a C or a K?

utterance: With a C.

utterance: All right thank you so much. And do you have the source account?

utterance: yes I need to pay that out of the savings account.

utterance: All right do you have that number for me?

utterance: Yes it's two zero nine zero two one eight four two zero.

utterance: Zero two nine zero two one eight four two zero?

utterance: actually no I need that to get to pay it out of my checking account.

utterance: OK and that number I believe was two seven zero.

utterance: No ma'am I have not given you that number yet.

utterance: OK, I apologize.

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

utterance: Two five zero three eight zero zero three six seven. I think I must have been channeling another customer. You know don't you just hate it when that happens?

utterance: Oh yes I know how it goes.

utterance: OK and so I've got that set up. And I am going to need your is this going to be by e-check or physical check?

utterance: E-check.

utterance: OK. I'm also going to need the routing number.

utterance: OK it's one nine one three one eight six four two.

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

utterance: Yes ma'am.

utterance: OK and what would be the payment amount?

utterance: four hundred dollars.

utterance: All right and let me get that and when do you want this payment to go out?

utterance: On the twelfth.

utterance: On the twelfth do you want that to go out on the twelfth of every month?

utterance: Yes.

utterance: For that same amount?

utterance: Yes.

utterance: OK let me just double check everything. All right looks like I have that set up successfully for you. Is there anything else I can do for you at this time?

utterance: yeah can you tell me what kind of loans you guys have?

utterance: I sure can! Give me one second to change screens.

utterance: Your day been going OK?

utterance: So far, I've had a couple of cranky customers but you know hey that happens every day.

utterance: Well yeah.

utterance: Well that's gonna get me in trouble with QA today. All right we have term loans secured loans real estate loans. We also have the SBA seven A loan which is government-backed and it's just a general loan. And then we have an SBA five zero four loan which is also governor government-backed and part for real estate.

utterance: OK and if I needed to apply for one can I do that online?

utterance: You sure can have you been on our online banking?

utterance: I do I've got that.

utterance: All right yes sir you can just go on there across the top of the page you'll notice that there are tabs click on that tab and it'll take you to a drop-down menu and you can go from there!

utterance: OK well that sounds great.

utterance: Would you be interested in a brief survey?

utterance: no I'm good.

utterance: All right thank you so much and you have a pleasant afternoon.

utterance: You too thanks!

utterance: Thank you bye bye!

utterance: Who should I tell I got my.


utterance: Hello, my name is Terri. Thank you so much for calling Intellibank. And I will be glad to assist you on this call today. How may I help you?

utterance: Hi. I think I'm gonna need to apply for a term loan.

utterance: You'd like to apply for a term loan?

utterance: Yeah.

utterance: Be glad to help you with that today. Who do I have the pleasure of speaking to?

utterance: my name is Annie Baker.

utterance: Annie, thank you so much. How are you doing today?

utterance: I am well. How are you doing?

utterance: Great! Thank you so much. And so, to apply for a term loan, I just would like to advise you of some things to have ready in advance.

utterance: OK.

utterance: Including your tax ID number and your driver's license.

utterance: OK.

utterance: Are we ready to proceed?

utterance: Actually, can you hold on for one moment, please?

utterance: All right.

utterance: Thank you.

utterance: OK, I'm back. Thank you. I have everything.

utterance: Oh.

utterance: All right. And please tell me how to spell your first and last name.

utterance: first name is Annie, A N N I E. Last name Baker, B A K E R.

utterance: OK. Thank you so much. And your address, please?

utterance: My address is fifty-seven twenty-nine Chekhov street. That's C H E K H O V street, and that's Chicago, Illinois nine seven two one one.

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

utterance: Nine five two three seven one one three.

utterance: Thank you. And the driver's license number and the state it is from.

utterance: that's Illinois, I L seven two three four five six one.

utterance: Thank you. And a four digit security pin number you would like to have associated with this account.

utterance: Twenty-one fifty-two.

utterance: Twenty-one fifty-two?

utterance: Yep.

utterance: Thank you so much. Annie, what is your email address, please?

utterance: My email address is Annie writer A N N I E W R I T E R at MSN dot com.

utterance: Thank you so much for providing that. And, Annie, are you the sole owner of your business?

utterance: yes I am.

utterance: Thank you.

utterance: Where you from?

utterance: I am from Texas.

utterance: Really? You sound like you're from Europe.

utterance: All right. The date and year you established your business?

utterance: date and year is twenty. excuse me the month is February, of two thousand.

utterance: You know I apologize. I meant the month and year you established your business.

utterance: Thank you. And your gross annual sales.

utterance: Twenty-one thousand.

utterance: Thank you. And your tax ID number, please?

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

utterance: Thank you. The address for your business?

utterance: Address for my business is five six seven two third street Chicago, Illinois one one five two.

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

utterance: Yes, it is.

utterance: Thank you. And what is the line of credit that you would like to apply for?

utterance: ten thousand dollars.

utterance: Ten thousand, thank you. And lastly, what is the purpose of your loan?

utterance: I'm going back to school.

utterance: I see. Educational purposes.

utterance: Correct.

utterance: All right. One moment, please. All right. Just to let you know, I will be sending you an email that will have a link to this completed application. The only thing that we will still need from you would be a photocopy of your driver's license and of your tax ID paper. You can upload that into the system with the link that will also be in the email. Please be advised that interest rates and fees are established by your credit, and by FCC rules and regulations. And the amount of the loan is not guaranteed until you receive your confirmation.

utterance: OK. Thank you.

utterance: D~

utterance: Do you have any other questions or anything else I may answer for you today, Annie Baker?

utterance: No, thank you.

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

utterance: Thank you, you too.

utterance: Thank you.


utterance: Good afternoon, thank you for calling Intellibank. I am Jerome and I am ready to give you some splendid customer service.

utterance: Wow oh Hello Jerome Jerome. Yes absolutely this is Joe and I'm I'm I'm ready for some splendid service yeah thank you.

utterance: Hi Joe that's great to hear. what am I gonna be doing for you today?

utterance: Well I wanted to talk to you about securing a loan.

utterance: Perfect, all right I'm just gonna need to access your account so we can get that ball rolling. can I have your social security number?

utterance: OK.

utterance: Yeah two eight five four two one five five five.

utterance: All right and can I also have your PIN number?

utterance: three three two three.

utterance: Three three two three perfect thank you. One second while I look everything over All right.

utterance: Whoa well looks like you're one of our high profile customers, we do very much appreciate your customer.

utterance: Oh I love that, thank you.

utterance: Thank you, thank you for choosing Intellibank and what type of loan are you looking at today Joe? I do see you have quite, you have about five loans out with us right now that that might affect the type that you're eligible for right now.

utterance: Yes.

utterance: Oh.

utterance: I just kinda like taking out loans, it makes me feel good.

utterance: OK, we have we have what we call a term loan and we also have a secured loan.

utterance: Now because of the other five term loans that you have open with us I'm not sure if you'll be able to open another one, but you could get a secured if you have something that you could put down as collateral.

utterance: well I have a swimming pool would that work?

utterance: It's above ground.

utterance: OK, and what's the approximate value of that pool?

utterance: about, I don't know about three grand.

utterance: About three grand? And how much were you looking to take out?

utterance: just five hundred dollars.

utterance: Just five hundred?

utterance: Yeah.

utterance: I just like taking out little loans at a time.

utterance: All right, well that is definitely something I can do for you. Let's see here, just gonna go to the applications.

utterance: And I'm sorry that I'm gonna have to ask you some redundant information, but for some reason our system doesn't allow us to transfer things from one profile to another.

utterance: Could I have your social again?

utterance: two eight three five three six four four got it?

utterance: And what is your drivers licence number and state?

utterance: California five two four five.

utterance: Got it. and what's a good email?

utterance: you know it's small loans are my thing at Hotmail dot com.

utterance: Small loans are my thing at Hotmail dot com?

utterance: That's right

utterance: Yeah.

utterance: All right, and your business name?

utterance: Free Money dot com.

utterance: Free Money?

utterance: Yeah.

utterance: And what was the last thing you said?

utterance: Dot com.

utterance: Dot com?

utterance: Yeah.

utterance: The name of your business is Free Money dot com?

utterance: Yeah.

utterance: All right.

utterance: And you are the sole owner?

utterance: that's correct, yeah.

utterance: OK, and what date was that established?

utterance: nineteen forty.

utterance: Nineteen forty OK and what do you say your annual sales are?

utterance: Yeah.

utterance: Gross.

utterance: well it's usually about the net cuz I just take out money and loans and spend it then pay it back and there really .

utterance: That's fine.

utterance: For such a small amount of this loan right now you could just ballpark it.

utterance: three hundred dollars.

utterance: Your gross annual sales are three hundred dollars?

utterance: Yeah.

utterance: OK.

utterance: And can I have your tax ID number?

utterance: fifty-four five.

utterance: Fifty-four twenty-five. Where's this business located?

utterance: California.

utterance: California, do you have a street address?

utterance: six zero three South Cockering Avenue.

utterance: Six zero three South Cockering can I get the zip? .

utterance: nine zero zero three six.

utterance: Nine zero zero three six, all right.

utterance: And the purpose of this loan today?

utterance: just I just want some money.

utterance: we have to have like a a concrete purpose do you need new supplies or remodelling?

utterance: I might have to call you back.

utterance: You're gonna have to call me back?

utterance: Yeah, I'm so sorry goodbye.

utterance: Are you still there, hello OK.


utterance: Hello and thank you for calling Intellibank, this is George, how may I help you today?

utterance: Hi George, what I want to do today is make an internal transfer and also get the credit card balance due on my account.

utterance: OK, that is not a problem at all. I would be more than happy to help you with that today. Let's start by pulling up your account and to do that I'm going to need your full first and last name as it appears on your account?

utterance: My full first last name Bob Weathers.

utterance: all right Mr. Weathers and what is your date of birth?

utterance: January fifth, nineteen ninety-six.

utterance: and what is your four digit PIN?

utterance: One two zero zero.

utterance: And what is your six digit account number?

utterance: eight four five three nine two eight four eight.

utterance: all right, just a moment please while I pull up your account.

utterance: OK, I gave you nine digits for the six, sorry.

utterance: That is all right, it won't even let me type the other three digits in so this should not be an issue and if it doesn't log us in then we'll just re-enter those six digits and whoa hey here it goes. That worked, fantastic.

utterance: OK.

utterance: Alright, so let's start by doing that transfer because this is an internal transfer from one account here to another there will be no fee for that transfer.

utterance: Great.

utterance: So I see here that you have our Intellibank Smart Business Checking Account and you also have our Intellibank Smart Savings Account from which account are you transferring out of and from which account are you transferring in?

utterance: I wanna go into the savings so one from the other.

utterance: Alright. and how much will you be taking out of the checking?

utterance: Just two thousand dollars.

utterance: OK not a problem. So I am transferring two thousand dollars from your Intellibank Business Checking Account to your Intellibank Smart Business Savings Account and that is done. and you said that you wanted to check your credit card balance due as well?

utterance: Yeah if we could take of that, that'd be great, just just need to know it.

utterance: Not a problem at all. So in order to do that I'm going to need your sixteen digit credit card number?

utterance: OK, that is seven six zero zero four five four five one seven two nine three eight six two.

utterance: Alright, thank you very much for that and just to let you know you can do both of the things that you called about today, both the internal transfer and getting your credit card balance due online at Intellibank dot com or by downloading the Intellibank app for either Apple or Android. Once you have done that it's going to prompt you for the same information that I asked you today and then once that is all set up you'll only need to provide your email address and your four digit PIN in the future. And that will allow you to make any of these changes, get any of this info without having to call and be put on hold and wait. It is very easy and very convenient so I suggest signing up for that when you get a chance.

utterance: OK, I'll look into that, thank you.

utterance: Alright, so I have your credit card balance due here and for the month of November you're going to owe eight thousand four hundred seventy-two dollars and sixteen cents.

utterance: Wow. Not what I exactly expected.

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

utterance: No, I'm gonna hold off on the payment for now and just look into it myself.

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

utterance: Thanks for that.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank customer service.

utterance: My name is Carlton and hopefully I can address any issues you have. How may I help you today?

utterance: Hey Carlton. let's see I have a I have a sister who My younger sister. She just She kinda takes care of all my finances. she's really smart. She she like majored in finance and stuff and she just handles everything. So trying to figure out what I can do to give her better access

utterance: yeah she's. Yeah she just. Yeah she kinda takes care of all my money. So is there something I don't know, man. she. Oh sorry. She yeah, she She takes care of all my finances. Finance major. She wants an account here. she doesn't have an account though. She's still young. She's like under.

utterance: She's. How old is my little sister? She's. She's nineteen, you know, but. But she's as smart as a whip.

utterance: yeah, I'm rambling now.

utterance: Well, it seems like if I can infer.

utterance: From this information it seems like you would like to either open account for your sister or add her to your account. Is that correct?

utterance: Oh, OK. Yeah.

utterance: Yeah is. Which one's easier? That sounds about right.

utterance: right now since we're looking. Since we're talking about your account it would be easy to add her to your account. If you would like her to open a new account then she would have to go into the bank herself and be there physically.

utterance: Oh.

utterance: I see.

utterance: OK, so if I add her to my account, then she has access to like all my stuff like, right? Instead of.

utterance: Yeah, absolutely. You can also put certain restrictions on on members of an account if they don't. If you don't want them to have full access to your account.

utterance: So there are options to to add a person of varying degree.

utterance: OK.

utterance: But in order to start this process, let me go ahead and ask your first name and last name.

utterance: OK. So my name is Cooper Stafford.

utterance: All right, Cooper Stafford. That's like can you spell that for. Stafford for me.

utterance: Yeah, it's S T A F F O R D.

utterance: Fantastic, and what is your date of birth, Mr. Stafford?

utterance: My date of birth is September second nineteen eighty-three.

utterance: Fantastic. All right, and I'm going to need two more pieces of verification to verify your identity. Can I get your PIN and your account number?

utterance: OK. what's my account number? Where would I find. OK my PIN is five four five three, and and just give me one second I have to find my account number.

utterance: Hello? Can I?

utterance: Yeah, please take your time.

utterance: Yeah I'm just, sorry I'm just.

utterance: OK cool. Give me one sec.

utterance: OK, hello.

utterance: Yes, I'm here for you.

utterance: OK.

utterance: Cool. Thank you. I found my account number. I think it is it's one six eight eight one.

utterance: One six eight eight one.

utterance: Yes, I can indeed confirm that is the correct account number. Fantastic.

utterance: OK. So we are adding your sister to the account. Can I go ahead and get a first name and last name for her?

utterance: OK her name is Jessie Stafford.

utterance: Great.

utterance: OK, just logging that in and that's J E S S I E?

utterance: Correct.

utterance: OK, and can I get a street address for Jessie?

utterance: OK. Should

utterance: OK she lives.

utterance: No she just Do. She just moved. should I give you the old address or the new address?

utterance: She. If she's If the new address is her current and permanent place of residence then why don't you give me that new address.

utterance: OK.

utterance: Cool.

utterance: it's two one two West Olive Boulevard.

utterance: ZIP code nine zero zero three two.

utterance: And is there a city and state?

utterance: Oh yeah.

utterance: Sorry, Los Angeles, California.

utterance: Fantastic. All right, we have that information, and can I go ahead and get a social security number for Jessie?

utterance: Oh man. OK I got. I gotta put you on hold again, sorry. I gotta go find all. Let me go all of your information. I have it written down somewhere.

utterance: OK cool. I got it actually. It's actually right here. You ready?

utterance: Yeah, go ahead.

utterance: OK. So her social is three seven one zero one eight two eight one.

utterance: Three seven one zero one eight two eight one. Fantastic, and can I get her driver's license and state?

utterance: Mm. I have this all here, let's see. OK. So California. Driver's license is D six seven four five three one three.

utterance: Fantastic. So that's D six seven four five three one three.

utterance: Fantastic. OK, and that is California. Great. So we are adding her to your preferred checking account. would you like to know any more information that can help service any of your needs?

utterance: yeah, I think I'm looking at a your guys' credit cards here. Do you guys have like a frequent flyers. Like a. Like a traveling. Like a card. Are you guys associated with any airlines or anything like that?

utterance: We have several cards available for you. is there a specific card you had in mind by name?

utterance: Just

utterance: Just one that's like just one for flying. Like, you know, where you get points for flying. Something like that. Like a frequent flyers.

utterance: We don't have a frequent flyers card, but we have what we call a Traveler's Card which does give you benefits for flying, but it also gives you benefits for gas and any public transportation.

utterance: Oh great. Yeah, that sounds. That sounds like what I want for sure.

utterance: OK fantastic. I'll go ahead and put in that request. Your credit score looks fantastic and you've made all your payments in time so I don't see any problem with that upgrade for you.

utterance: I'll go ahead and get that in the system and you'll be hearing from us very shortly.

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

utterance: that's it.

utterance: All right. Great. Thank you so much for your service and we'll be in touch very shortly.

utterance: Thank you.

utterance: Thanks.


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

utterance: Hi, this is Peter Davies. I wanted to let you know that I changed my phone provider. So I got a new number. And yeah, it's better I think if you have that updated there.

utterance: OK no problem Mr. Davies. I would be happy to help you with that. Let me get to that screen. OK, so just some basic information so I can open your account. Could you please give me your first name again and your last name?

utterance: Peter Davies.

utterance: Ok Mr. Davis. And the company you work for or you own?

utterance: My own company, Tom's Grocery.

utterance: OK. Tom's Grocery. And your date of birth?

utterance: November four nineteen sixty-eight.

utterance: All righty. And let's see. We have a pin code on your account. Can you please provide that for me?

utterance: I I know the security question. I can't remember.

utterance: it should be a four digit code that was set up on your account.

utterance: was it one one zero nine?

utterance: Hmm, let me try that. I'm sorry Mr. Davies, that does not work.

utterance: OK. So what now?

utterance: Well unfortunately I'm not able to access your account without the proper pincode. I'm so sorry, that's just part of the security protocol here. I do have the one about your mother's maiden name, but we have to have both of those that verified to be correct in order to open your account to make any changes to it.

utterance: OK, I understand that but what if if I've forgot it? Do I need to go to a bank branch?

utterance: what I can do is I can request the pin sent to your home address and then once you receive it, you can call us back.

utterance: I understand that, but I need to go into city centre anyway, and there is a bank branch is it not possible that I stop in there and tell them the problem?

utterance: No sir, unfortunately everything has to be sent by US postal mail, so that's the only way you're gonna be able to receive your updated pin code.

utterance: Mm, and how am I now supposed to use all this?

utterance: Well, as soon as you get the pin code then you can call us back, but I can't do anything with you or for your account until you have that new pin code listed.

utterance: And that of course takes a few working days, right?

utterance: Yes sir, unfortunately it takes three to five business days.

utterance: That's a week. And in business time is money.

utterance: I'm sorry Mr. Davies, there's there's nothing I can do, it's just our company policy here.

utterance: No no no no, I understand that oh oh oh. OK. So yeah, well you can send me it my email or post that doesn't matter, then I wait till I get it and then I will call you back.

utterance: OK Mr. Davies, so that actually can only come by the postal mail so I will put a request in right now for you to receive that via mail.

utterance: But you do have my correct address, right?

utterance: Well I can't get into your account to look at that without the pin code sir.

utterance: So how do you know it's going to my right right address?

utterance: well unfortunately I don't know that, but hopefully we have the correct address on file.

utterance: OK. Well yeah. Then I'll wait. So I I I can't ask anything according to my account? So if I want a credit card or a loan, that all is not possible now?

utterance: You can fill out that information you don't need your account information for that. You can fill that out just using your Social Security number, you know you fill out the application filling in your name date of birth, your social, your home address, phone number, it's just basic information, and that will get your application processed. we don't need access to your account for that.

utterance: So.

utterance: If I ask for the gold credit card, you are able to send me information about that?

utterance: Yes sir, I can send that to your email address if you would like me to?

utterance: Yes, that would be great.

utterance: OK. So let me. Since I can't update anything what I'll do is go straight to the email and I will attach the information regarding the credit card information we have. So we have two business cards, the silver and the gold, I'm gonna include those two on the email.

utterance: OK, that's great.

utterance: so the email will be coming from Mary at Intellibank and I'm sending it over right now. You should be receiving it shortly. If you don't just go ahead and give me a call back.

utterance: Yeah, I will wait for with that because it's better that I wait for yeah, the new security pin.

utterance: OK Sir. Yeah, that's up to you. I'm so sorry that I couldn't update any information for you, update that new phone number. but yes, without the pin code it's really hard for me to even be able to access your account. it's just security features we have here at the bank that's for your benefit.

utterance: OK. I understand. Well, that's it.

utterance: OK Mr. Davis. Well thank you so much for calling and I'm so sorry that we couldn't assist you today, but give us a call back as soon as you get that pin code and we'll get ya set up.

utterance: OK. Thank you very much. Bye bye.

utterance: OK.

utterance: Thanks for calling Intellibank. Bye bye.


utterance: Good afternoon. Intellibank. This is David speaking.

utterance: Hi, David. Yeah, I need to I need to change the PIN for my my business Intellibank Intelligent Savings Account.

utterance: OK just to make sure that's the Intellibank Smart Savings Account that you're referring to?

utterance: Yeah, Yeah. Sorry, yes, that's that's correct.

utterance: Yeah. That's OK people people actually make that mistake all the time. It's not really even a mistake, it's. I would call it a a branding. A branding thing, based on your bank, but yes, so we're happy to help you with that request. would you be kind enough to give me your first and last name please.

utterance: Oh, yeah. My name is Charlie.

utterance: Mhm mm.

utterance: Bologna.

utterance: Mhm mm.

utterance: Spelled like the city in Italy.

utterance: Just so we're aware it's B B O L O G N A?

utterance: Yes.

utterance: G N E.

utterance: G N A. OK.

utterance: Yeah yeah yeah.

utterance: All right. Bologna. All right, Mr. Bologna, and could I get your date of birth please?

utterance: The people, they call me Charlie Baloney back in school. It was kind of like an endearing thing. So my birthday is seven eleven nineteen eighty-six.

utterance: OK nineteen eighty-six. All right Mr. Bologna, am I pronouncing that correctly?

utterance: Yeah, you can call me Baloney, if it's easier, you know, or you can just refer to me as Charlie casual, it's fine. My my customers do. You know, the ones who know me my regulars, so it's all good.

utterance: Yeah. Well, what what sort of business do you do, Mr. Bologna?

utterance: I sell sneakers.

utterance: Yeah, I've shoes, you know, hard to find shoes. The collectors ones, you know, the limited editions, you know, Yeezy's and old Jordan's and stuff like that, you know.

utterance: That's that's amazing.

utterance: Mhm.

utterance: Well, thank you again for banking with us and So we do need another piece of information before we can access your account. could you give us your current PIN, the one that you would like to change.

utterance: Yeah, my current PIN is eighty three forty-four.

utterance: OK eighty three forty-four.

utterance: No no no no. Wait wait wait wait. Sorry sorry sorry. That's that's the PIN for my my personal savings account. Oh, I got mixed up. Yeah, I don't access my account that often and that's why it's. hold on a second. Yeah, OK. I I found it. It's eighty eight seventy-seven for my Smart Savings Business Account, yeah.

utterance: All right eighty eight seventy-seven. Great, and what would you like to change that to?

utterance: yeah, I'd like to change that to eight eight eight eight or is there any kinda policy for, you know, that being too simple or something? Cuz see the reason I'm changing my my PIN is because I was plugging into the bank account, you know, checking on some things and I was in public and I noticed somebody looking over my shoulder, and I mean it could have just been some weirdo, right? Well, I don't know what it was and they could have been surfing my PIN cuz they're also writing in a little notepad, you know, and so I got paranoid. I was thinking, like all right this person's like writing down my account information or something, and they just saw me punching my PIN and they're committing it to memory right there, and so I figured first thing I need to do, just to be safe, is to change my PIN. So since it's kinda similar to the old PIN and I thought maybe eight eight eight eight would throw them off, but what if somebody just punches in boom boom boom boom eight eight eight eight. Like do you recommend something a little bit different, mix it up or is that fine? Cuz eight is my lucky number, and so I was thinking like eight eight eight eight, you know.

utterance: I understand, Mr. Bologna, and that's a great question. we. While we don't put any restrictions on what what PINs that our customers do choose. We do recommend that it's a mixture of numbers, rather than one number. it's your lucky number though, we do understand. So, it's we leave it up to you but we do strongly recommend that it's at least a combination of of numbers, similar to your previous one.

utterance: Yeah, I'm. Well, you know, I mean, eight, it's my lucky number, but also, I play the slots in Vegas like all the time and I was thinking maybe seven seven seven seven. You know, just to like hit that jackpot with that, you know. Or I tell you what maybe. All right, so let's mix it up. What about seventy-seven eighty eight? That's almost like I have my slots lucky number and then I have my my, you know, personal lucky number and kinda mix it up there.

utterance: OK well, that's. Again, we leave it up to you. Your choice, but seventy. I I would say, personally, seventy-seven eighty eight would be a little more secure than eighty eight eighty eight or seventy-seven seventy-seven, so.

utterance: OK let's do that. That sounds excellent.

utterance: OK just give me one second. All right, so now, Mr. Bologna, that is. That change has taken effect in the system and you should be able to access your account with this new PIN effective immediately.

utterance: OK wonderful. Thanks. Appreciate it.

utterance: could I help you with anything else today?

utterance: I think that's that's about it. You've been wonderful. Appreciate your help.

utterance: Yeah, of course. Thank you so much and you have a nice day.

utterance: You too.


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

utterance: Hi Doug I'm Joe. I was calling get some info on a loan.

utterance: Sure. That's definitely something we can do today Joe. can I have your last name?

utterance: O'Brien.

utterance: O'Brien. And I'm just gonna need your social and your PIN number to be able to access your account.

utterance: Three five four one two eight six three three five two. And my PIN is one five five one.

utterance: Got it. Thank you for that. All right. Account looks good. Everything is in good standing.

utterance: Good.

utterance: All right. And what what can I do for you today Mr. O'Brien?

utterance: well just wanted to get some info about loans, potential loans.

utterance: OK. Definitely something I can help with. you thinking about a security loan or a term loan?

utterance: Or an auto loan.

utterance: Well what are my what are my options?

utterance: I'd have to run a soft check to see what you would be pre-approved for if that's OK?

utterance: Oh please.

utterance: All right. Just one second while I run that.

utterance: OK it looks like you're approved for a security loan.

utterance: Oh OK great. So what does that even mean exactly?

utterance: It means that you're gonna have to put up something as collateral.

utterance: OK.

utterance: whatever that collateral is it has to equate to the value of the loan.

utterance: Yes.

utterance: So is that something you'll be able to do today?

utterance: yeah I could put up my boat.

utterance: OK, and your boat is worth how much?

utterance: I would say about forty-five grand.

utterance: Forty-five grand. And how much were you looking to take out?

utterance: yeah about ten grand.

utterance: Ten grand, all right. Sounds doable. So let's get this application started, yeah.

utterance: OK.

utterance: great.

utterance: All right so I'm just gonna need your social again?

utterance: yeah. two eight five five two one four eight.

utterance: Got it. And can I get your driver's license number and the state that issued it?

utterance: California, five two eight five.

utterance: California five two eight five. Perfect. Can I have your email address?

utterance: let's go with Joe's Party Supplies at Hotmail dot com.

utterance: Joe's Party Supplies at Hotmail dot com. unfortunately our servers don't work with Hotmail, is there another email you could use?

utterance: yeah but it would just be the same but just at Yahoo dot com.

utterance: Got it. At Yahoo dot com. OK great. And what's the name of your business?

utterance: Joe's Party Supplies.

utterance: Joe's Party Supplies, got it. And you are the sole owner, correct?

utterance: That's correct, yeah.

utterance: And what date did you establish this business?

utterance: two thousand.

utterance: Two thousand. All right. And what would you say your gross annual sales are? That's before taxes.

utterance: About

utterance: Two hundred and thirty thousand.

utterance: Two hundred and thirty thousand. Perfect. And would you happen to have your tax ID number?

utterance: yeah five two eight seven two.

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

utterance: it's in California.

utterance: All right, can I get the street address?

utterance: Six zero three South Cochrane Avenue.

utterance: Six zero three South Cochrane Avenue. could I also get a good mailing address for you Joe?

utterance: it's the same.

utterance: It's the same. And what's the purpose of this loan?

utterance: Oh just to get some property for my company.

utterance: All right so you're expanding your business?

utterance: that is correct, yeah.

utterance: OK. And what is the amount you're looking for again?

utterance: about ten grand.

utterance: Ten thousand. All right. And you're putting your boat up?

utterance: That's correct.

utterance: And you said that was worth forty-five thousand dollars?

utterance: that's correct yeah.

utterance: All right. And what repayment options are you looking for?

utterance: seventy-two months preferable.

utterance: Seventy-two months, all right. I do have to let you know that that interest rate is eleven point three percent.

utterance: OK, I can do that.

utterance: All right. Just a moment while this processes.

utterance: Look like your loan has been approved Mr. O'Brien. Congratulations. All right. I'm just gonna send you a follow up email detailing everything we've discussed today. All right one second. Of course, anything I can do.

utterance: Oh fantastic.

utterance: Thank you so much.

utterance: No that'll be it. Thank you.

utterance: All right. Well you enjoy the rest of your day. I wish you nothing but success with your company and we look forward to serving you again in the future.

utterance: Thank you, take care.

utterance: Thank you, you as well.


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

utterance: Yes so I have a business preferred checking with Intellibank and I'm trying to purchase some equipment for my business.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you are currently an Intellibank customer and you're trying to purchase some equipment for your business. Am I understanding that correctly?

utterance: Yeah that's pretty much the sum of it.

utterance: OK and can you tell me if you have an property that you would like to use for collateral on this loan?

utterance: So I do have some land that I inherited from my favorite aunt. she moved into a retirement community and she gave me about eleven acres that I could probably use as collateral.

utterance: OK so it sound like the best option for you, if you have something to use as collateral, might be the secured loan.

utterance: So with that secured loan are there any down falls to that loan. and what are the interest rates? Can you tell me what the interest rates are?

utterance: Yeah so with the secured loan one of the down falls may be that if you default on the loan and the land can be repossessed by the bank but as long as you complete the terms of the loan then you shouldn't have to worry about that. but it is it is something that can happen if it's defaulted on. for the interest rates for the secured loan, those vary for about seven percent to about eighteen percent. The rates that rate is based on your credit score, your borrowing amount the term of it. It's got a lot of factors that we figure into that. So we won't know for sure what that will be until we get some more information and can get that loan reviewed for ya.

utterance: OK then so how do I complete the loan? How do I apply for that?

utterance: OK I just need to get some information from you. first Jill, what is your account number?

utterance: So can you hold on just a second, I need to grab my statement. Give me one second to look for that. OK so that's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

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

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

utterance: OK Jill looks like your account has a four digit PIN on it for security purposes. Can you share that with me as well?

utterance: Yes so that should be six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: OK, and what's your street address there?

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

utterance: And your ZIP code Jill?

utterance: seven three eight two zero.

utterance: OK Jill, just a couple more questions for you here. Can I also get your social security number?

utterance: So that's seven three eight zero two zero seven eight three.

utterance: All right Jill and what is your drivers license number and the the yeah I'm sorry just your drivers license number?

utterance: So that's M as in Mary nine three seven zero zero two zero zero.

utterance: OK and what state is that license out of.

utterance: It's Missouri and it's a CDL licenses.

utterance: OK, I I won't need your license class but thank you for that information. Jill are you the only owner of the business?

utterance: So it's an LLC but yes I'm the only owner.

utterance: OK and when did that business open for you?

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

utterance: All right, Jill and what does your business gross annually? Do you happen to know that information?

utterance: Yeah I do. So last year I believe we made like four hundred and eighty-nine thousand. That was our gross last year at the end of the year.

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

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

utterance: OK and just just wanna verify. The business name is Johnson Controls, right?

utterance: Yes that's correct. It has an S on the end.

utterance: OK and what's the address for your business?

utterance: That's eight three seven night Hillshire Way. And that's Kansas City Missouri. And that's eight three six seven two.

utterance: OK Jill, can I also confirm that your email address is still J Baker at Johnson Controls dot com? Is that correct?

utterance: Yes that's right, that's correct.

utterance: OK and where do you receive your mail at Jill, is that at the business address or is that the home address.

utterance: You can mail everything to the business, that's probably the only way I'll get everything.

utterance: All right Jill and can I ask just again real quickly why you are seeking this loan?

utterance: Oh I need to purchase some equipment for the business.

utterance: All right I understand, and about how much are you looking to borrow for this Jill?

utterance: So I I would like to borrow like around a hundred thousand if possible.

utterance: OK and you said you gonna your looking to use some land that you inherited for collateral? Is that correct?

utterance: Yes so I like I said I inherited some land from my aunt I I'd probably could use that for the collateral.

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

utterance: I think it was last appraised at like one hundred and thirty-one thousand I believe.

utterance: OK and what term are you looking for on this this secured loan?

utterance: I was thinking probably like fifteen years, if it's a hundred K, I would probably like it to be at least fifteen years.

utterance: All right Jill. So let me send this preapproval. this loan through. I'm gonna try and get this preapproval for you OK? send this, give me just a moment all right. OK Jill, so I actually did get the preapproval for this loan for you. So what I'm gonna do now is I'm gonna email a link to you, to our loan portal. It's gonna have a list of documents in there that your gonna need to provide, once you access that email if you can upload those required documents there, then a loan agent will reach out to you to assist you with with that loan process after they've reviewed the loan. I do wanna et you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secured until on information is provided and can be verified, OK? Did you have any questions regarding that?

utterance: No, so so basically you said I just need to wait for the email then?

utterance: Yup that's right. I'm gonna I'm gonna send that email now once you get it, again it will have instructions on what you need to provide. You'll upload those document eight by scanning those or faxing those. And once we receive those somebody will reviewed over them and an agent will give you a call back.

utterance: OK then I think that's everything.

utterance: All right Jill was there anything else you needed?

utterance: No that was pretty much everything, I appreciate it.

utterance: No problem Jill, thank you for using Intellibank. You enjoy your day.


utterance: Hello and thank you for calling Intellibank. This is Franklin. How may I be of service with you today?

utterance: Hey Franklin, I need to make a wire transfer to to an external bank.

utterance: OK that is not a problem. Is it gonna be domestic or international?

utterance: domestic.

utterance: All right, so for domestic transfers we do have for domestic wire transfers we do have a service fee of fifteen dollars. Is that gonna be all right?

utterance: yeah, yeah it's gonna have to be.

utterance: OK great, then I will go ahead and continue. So the first thing I'm gonna need from you is your first and last name as it appears on your account.

utterance: David Gerry.

utterance: OK Mr. Gerry and what is your date of birth?

utterance: May fourteenth nineteen ninety-four.

utterance: Great, and can I please have your six digit account number?

utterance: one second let me let me find that.

utterance: Oh sure. Please take your time.

utterance: OK here we go, six one four two one nine.

utterance: All right, and can I please get your four digit PIN?

utterance: Nine two four six.

utterance: Great. All right we are all set here. It looks like you have our Intellibank Smart savings account. Is that correct?

utterance: That's correct.

utterance: And I'm assuming that's the account that you will be transferring the funds from today?

utterance: Yeah that would be fine.

utterance: And how much are you looking to transfer?

utterance: four thousand dollars.

utterance: All right four thousand dollars. Let me just confirm that you have that funds available on your account. This may take a moment sorry about that.

utterance: no problem no problem. well as long as there is four thousand dollars in the account I guess.

utterance: All right so that is all good. so what I'm gonna need is the information and then the account that we are wiring the money to. So starting off what is the recipients name?

utterance: Cory Charles.

utterance: And what is the bank account number that this going to be sent to?

utterance: me pull that up two three zero one nine one.

utterance: All right and the nine digit routing number.

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

utterance: And what is the name of the bank?

utterance: he's with Bank of America.

utterance: and just to confirm we're doing a three thousand dollar wire transfer to this account with an fee of fifteen dollars so a total of three hundred and fifteen dollars will be debited from your account.

utterance: I'm sorry, four thousand.

utterance: Four thousand dollars. All right, let me change that sorry about that.

utterance: All right so we're doing a wire transfer of four thousand dollars with the fifteen dollar fee that's gonna come out to four thousand fifteen dollars out of your Intellibank Smart Savings account.

utterance: Perfect.

utterance: All right I am initiating that transfer right now. Please hold.

utterance: All right well it looks like it has gone through on our end. it should be instant but we can never know for sure how long it's gonna take the other bank to process but typically no more than an hour. is there anything else I can help you with today?

utterance: no that's that's been everything yeah. That's all I needed.

utterance: All right well thank you so much for banking with Intellibank and you have a wonderful rest of your day.

utterance: Will do thank you.

utterance: Thank you, and once again thank you for banking with Intellibank. We appreciate you as a customer. Have a wonderful day.

utterance: Thanks.


utterance: Hello and thank you for calling Intellibank. My name is Monica. How may I assist you today?

utterance: All right. Hey Monica how. how are you? You good?

utterance: I'm great thanks for asking and how's your day going today?

utterance: it'll go better once you help me with this. I'm hoping.

utterance: I hope so too.

utterance: All right.

utterance: May I.

utterance: Yeah.

utterance: Oh I'm sorry to interrupt you. May I ask your name please?

utterance: Yeah it's Mo.

utterance: M O E?

utterance: M O

utterance: M O. OK.

utterance: It's.

utterance: It's actually short for Mohammed.

utterance: OK.

utterance: Yeah but but you can call me Mo.

utterance: Nice to meet you Mo, what can I do for you today?

utterance: All right so I'm I I need to update I need to update an email number one. and I I haven't had a really great day today. how's your day?

utterance: My day's going really well. I'm sorry to hear that your day's not so great and I hope that whatever we do today will at least make it a little bit better.

utterance: Yeah I hope so. I really do hope so. All right well my last name is Fahim if you can you know just pull up my account.

utterance: Sure and F A H I M.

utterance: H I M, exactly.

utterance: OK.

utterance: And do you have your account under Mo or under Mohammed?

utterance: It's actually under Mohammed.

utterance: Do you mind spelling that for me please?

utterance: M O H O M A D.

utterance: A D. OK.

utterance: Yeah.

utterance: I wasn't sure if it was gonna be one or two Ms. in the middle there.

utterance: Yeah, I don't think that they they they. It can. It can go both ways but this way it's spelled. I'm. It's a it's part of a certain country that I'm my parents are from. So I'm first generation.

utterance: I see.

utterance: And so it. Mohammed in, for example, one country can be with two Ms. and another country it could be one M.

utterance: I see.

utterance: But

utterance: anyway yeah, so it's just one.

utterance: Oh, it's given.

utterance: Given me a little bit of an education. I I like learning things like that.

utterance: Yeah well it's it's good to know. There's not a lot of people that know that part of the world. So people have just this these opinions about other people and it's just like you know. So it's good to just educate people you know.

utterance: Those opinions oftentimes are based on ignorance.

utterance: They are.

utterance: If you don't mind me saying.

utterance: And.

utterance: No no that's that's that's that's right exactly right.

utterance: And may I ask you a question about your name?

utterance: What .

utterance: Is is the double M. Would that be something that becomes shortened in America or do different countries spell it different ways?

utterance: it's at the different kind. That's what I was trying to tell you is that different countries spell it in a different way.

utterance: Got it. That's. I. I did hear you say that but I also know that when people come to America they sometimes change the names or the spellings. Sometimes I'll .

utterance: Yeah.

utterance: Well that's what I.

utterance: That's what I'm trying. Well that's what I did actually. Is like I I I changed it to M O so people aren't pronouncing it like Mohammed and not only that I I really don't want to be racially profiled so I just say Mo. You know what I'm saying.

utterance: yeah.

utterance: Yeah.

utterance: I sure do. I sure do. I. I hate that people have to feel that way but I I understand.

utterance: Yeah.

utterance: Yeah.

utterance: And you want to make sure that we have your correct email address on file or update it?

utterance: Yeah. Yeah just if you can. I'm just having such a freaking hard time with your company and it's driving me insane. And I don't. I don't understand like why can't people do their job properly? You know. Like I'm. OK I'm. I don't wanna go off on a tangent here. I I have to cook for my kids and I'm just. I'm just. I have. There's so much. I have so much on my plate right now.

utterance: I

utterance: I understand. I'm listening.

utterance: OK.

utterance: And this is the last thing I wanna do and I'm calling you guys at like. I I've had a long day at work. It's seven o'clock right now and I've had to wait. I had. I was. I was put on hold for forty minutes.

utterance: Oh that's. Oh that's terrible.

utterance: Forty minutes.

utterance: Well I'll tell you what one thing I'll do for you is when once I do your update I can also send you an email confirmation afterwards so you know that it went through. At least least that'll be one thing that you know that went through for you today.

utterance: Well I I I appreciate that. Thank you. Please please please fix this I. Look I I I don't want to get short with you but my kids. They're hungry. Their mom's not even home yet. Yeah. which is a whole other story right now. I don't even wanna deal with.

utterance: certainly.

utterance: Yeah.

utterance: you gotta get you gotta get them their dinner.

utterance: Right. Right I.

utterance: So.

utterance: I just yeah.

utterance: OK.

utterance: Well let's let's make your night a little bit easier and let's get those kids fed. All right. What is the email address that you would like to change it to?

utterance: OK. so it's Habib H A B I B.

utterance: H

utterance: OK.

utterance: Seven eight.

utterance: And as in seven eight not spelled out?

utterance: seven eight is the number.

utterance: OK.

utterance: Yeah seven eight at Yahoo.

utterance: Yahoo dot com.

utterance: At Yahoo dot com.

utterance: All right.

utterance: Yeah.

utterance: All right, yes. I see that is not the email address we have on file for you so that must be part of the frustration you've been experiencing.

utterance: Yeah.

utterance: Also I I I honestly I I got an an overdraft fee too.

utterance: Oh.

utterance: On on on my checking account. Why is that?

utterance: you know what. Let me just verify your email address and then I'll go to that. H A B as in boy I B as in boy seven eight at Yahoo dot com?

utterance: Yeah.

utterance: That's right.

utterance: OK great. I've updated that in our system. I just sent you an email confirmation for that.

utterance: OK.

utterance: And you know what. I'm not even gonna look into the reason for the overdraft because you're having such a tough day. I'm just gonna. I'm just gonna reverse it.

utterance: Just waive the fee.

utterance: Please.

utterance: It's done.

utterance: Thank you so much I I really appreciate that.

utterance: Of course. I just wanted to make wanna make your day a little bit better and I help you get those kids fed.

utterance: Yeah.

utterance: Thank you.

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

utterance: that's it. That that's it yeah.

utterance: Great well thank you so much for calling Intellibank and have a great night.

utterance: Yeah you too thanks.

utterance: Bye bye.


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

utterance: Hi Timothy I'm just calling to update my street address.

utterance: All right that is not a problem whatsoever. first of all let's pull up your account.

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

utterance: OK my name is Deakin Boroughs.

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

utterance: September twenty-ninth nineteen seventy-one.

utterance: OK. And what is your four digit security PIN?

utterance: One oh six six.

utterance: All right.

utterance: And what is your six digit bank account number?

utterance: Eight oh seven three nine nine.

utterance: All right. I am logged in to your account here.

utterance: Your information is loading. Give me just a moment here while this finishes loading. Our systems are running a little on the slow side today.

utterance: That's OK.

utterance: How's your afternoon going?

utterance: Pretty good how are you doing?

utterance: Good.

utterance: Nice.

utterance: Where are you guys located in your call center?

utterance: we're in Tempe Arizona.

utterance: Oh hot.

utterance: All right I have your info pulled up here. And in order to change anything in your account I am going to need to ask you your security questions. So to start off what was your first pet's name?

utterance: Mhm.

utterance: All right.

utterance: Timothy.

utterance: And what was the name of the street you grew up on?

utterance: Geyser court.

utterance: And your mother's maiden name?

utterance: Walton.

utterance: All right.

utterance: And to change that street address I'm going to need the street address you currently have on file.

utterance: It's twelve oh two Keystone avenue.

utterance: Culver City California.

utterance: Nine zero two three zero.

utterance: And what is the address that you will be changing it to?

utterance: Fourteen Blair Way.

utterance: Santa Monica California nine zero four one one.

utterance: All right.

utterance: Hold on one moment the system is updating.

utterance: All right your address is updated. Is there anything else that I can do for you today?

utterance: Great.

utterance: Yes actually I need to add a user on to the account as well.

utterance: OK. we can take care of that without a problem.

utterance: OK.

utterance: So first off I'm going to need their full first and last name.

utterance: Barbara Boroughs.

utterance: All right.

utterance: And I'm gonna need their date of birth.

utterance: Sure.

utterance: July twentieth nineteen seventy-five.

utterance: All right.

utterance: And I am going to need their state issued drivers license or ID.

utterance: Oh OK. It is A as in apple seven two nine one zero four four.

utterance: All right.

utterance: And what is her email address?

utterance: B B cakes at Gmail dot com.

utterance: And would you like to establish her own four digit PIN or would you like to go ahead and keep the four digit PIN for both of you?

utterance: Just keep the same.

utterance: All right that is not an issue. OK.

utterance: And that has updated. She has been added to your account. Is there anything else I can do for you today?

utterance: No that's it thank you very much.

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

utterance: OK goodbye.

utterance: Bye.


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

utterance: Hi Milton Yeah I just have a few questions for you.

utterance: Sure fire away.

utterance: Yeah how successful will you say the long program is with your bank.

utterance: In terms of being accepted? I think we're about eighty-seven percent we have eighty-seven percent acceptance rate.

utterance: Yes.

utterance: Oh that's that's great fantastic, so if I were or if someone were to apply for a loan what's the process?

utterance: Well you'd have. I need your info and plug it into the system. And of course you'd have to send verification of everything that you tell me. And you can send it in the form of email which is really quick or you can through the send mail or fax but obviously those would be. You know you'd be facing a delay in receiving your loan if you are approved.

utterance: What kind of a interest rate? Or a do you have different kinds of loans or it's just kind of a flat interest rate?

utterance: The interest rate actually depends on your credit worthiness and I wouldn't be able to just give you a rate without looking at your account and you know putting all your info in and then running it. but I can do a preapproval to see if you'd to see if you'd be preapproved with the preapproved interest rate. Is that something you're interested in?

utterance: Maybe maybe.

utterance: How how about I just. You just gimme your name and your pin, your social security and I'll just pull up your account to see what we're working with. How about that?

utterance: Yeah sure that sounds good. So my name is Norman and my last name is Lipton L I P T O N.

utterance: All right Norman and can I have your social.

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

utterance: Got it and now pin.

utterance: Two one two one.

utterance: Two one two one perfect all right pulling your account up now. all right everything looks good Norman you have a relatively small account with this which is no biggie on your loan request. But everything looks good, always make your payments on time, you signed up for automatic payments perfect. All right well let's get started on that loan shall we?

utterance: Absolutely.

utterance: OK so this is gonna be your name correct Norman?

utterance: Yes.

utterance: All right can you provide me with that social one more time?

utterance: three three nine two got it and could you give me your driver's license date and number?

utterance: Yes the driver's license is two three seven three two four the the state is Michigan and what else?

utterance: That was it for the driver's license now I just I need a good email for you.

utterance: Yes it will be hot lips at Gmail dot com.

utterance: That's funny. Gmail dot com and what's the name of your business?

utterance: Hot lips brewery. It's we're we're a beer brewery we do business in the grand rapids area.

utterance: Nice they only do hot beer is that why it's called Hot lips.

utterance: It's It's supposed to be the like that feeling when when it when it hit your lips and you get that tingly sensation that's where it comes from.

utterance: Mm.

utterance: Fantastic sounds great Norman. And what's the date you established your business?

utterance: that would be December fourteenth two thousand eighteen.

utterance: December fourteenth twenty eighteen and you are the sole owner?

utterance: Yes that's correct.

utterance: Perfect and what's your gross annual sales?

utterance: Two hundred thousand.

utterance: Two hundred thousand. That is fabulous. And you have your tax ID number handy.

utterance: Yes eight zero one nine eight.

utterance: Eight zero one nine eight perfect.

utterance: And what's the address of your business?

utterance: Yes the address is one zero zero one Jackson Avenue Grand Rapids Michigan seven zero two one zero.

utterance: Seven zero two one zero perfect. And do you have any additional address you'd like your mail to go to or would you like it to go to your personal or the one the business address you just gave me.

utterance: Yeah just the business address is fine.

utterance: Perfect and what was that loan amount again?

utterance: The loan amount would be twenty thousand.

utterance: Twenty thousand and the purpose?

utterance: it would be to add another flavor to our brewery.

utterance: Add another flavor to the brewery all right. And what kind of term are you hoping for Norman?

utterance: hoping for maybe two years if that's possible.

utterance: OK yeah twenty-four months? All right. let me run this, bear with me while it's running. Well I'm happy to say you've been approved Norman.

utterance: Fantastic! .

utterance: It is. So would you like a confirmation number? Or I'm gonna send a email that has your approval, the interest rate everything and the confirmation number and that would would you like me to provide it for you now or you just wanna get it from the email?

utterance: Email is fine.

utterance: All right sounds good. All right everything on your account looks great, you just open new accounts just got your new loan, is there anything else that I can help you with today Norman?

utterance: No that's all thank you.

utterance: Thank you and enjoy the rest of your day.


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

utterance: Yeah so I'm needing to do a wire transfer for an invoice on my business account.

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

utterance: It's Jill Baker.

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

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

utterance: OK Jill. So you're wanting to pay an invoice with a wire transfer. Is that what I'm understanding correctly?

utterance: Yeah so it's my business account and I'm wanting to pay on my business expense basically, an invoice with that.

utterance: OK. So the account you're wanting to transfer from. Is that a savings or a checking account?

utterance: It's a checking account.

utterance: All right Jill. I'm just gonna have to get some information from you in order to complete this for you. What is your business account number?

utterance: So it's three four six zero two nine nine eight and then my social is four five eight two three two nine three eight.

utterance: Thank you Jill. So I'm just gonna need your account number today but can you also get your give me your date of birth?

utterance: Yeah so that's March second nineteen eighty.

utterance: All right Jill. Now looks like your account has a security. I'm sorry, a four digit pass code on it for security purposes. Could you also tell me what that pass code is for you?

utterance: Yeah. So it's three eight nine zero.

utterance: And Jill what is the name of your business?

utterance: It's Johnson Controls.

utterance: OK. Give me one second. So I have your account up. What is the name of the business that we will be transferring those funds to?

utterance: So it's Jackson Wine and Spirits.

utterance: OK. And the bank we'll be transferring those to?

utterance: It's Bank of the West.

utterance: Do you happen to have a routing number for that bank?

utterance: Give me just one second. I had it written down. One second please. OK. So the routing number is zero zero zero nine eight two seven three eight.

utterance: OK. Thank you for that. Can I also get an account number for the business for where we're transferring this?

utterance: Yeah so the number is four nine eight seven two zero zero zero four seven is what they've given me.

utterance: OK and is that a checking account for them do you know?

utterance: I believe so. I believe it is a checking account. so when it goes through this isn't going to cost me anything right?

utterance: Yeah. no so since we are making this transfer to an external account it will be processed as a wire transfer. And there is no charge for that for any of our Intellibank business customers.

utterance: OK. Thank you. I appreciate it.

utterance: No problem. Give me just a moment OK? I'm gonna get that transferred for you.

utterance: Thank you. Are you in the Kansas City area?

utterance: I am. I am in Mid Town.

utterance: So have you ever been to our bar?

utterance: I have not. Where are you guys located at?

utterance: We're in the River Market area so you should definitely come by. We have a lot of really cool events. There's some dating events if you're single. there's some trivia night events and a lot of really neat things for for people here in the city.

utterance: Well that sounds like a lot of fun. I have a lot of friends who are you know who are really into trivia and also I have some single friends so that might be perfect for them. So thank you for that information.

utterance: No problem. We'd really love to have you guys so definitely come on out.

utterance: Well I appreciate that. I so I have that money transferred to you. What I'm gonna do now is I'm gonna email that receipt. So e- can you verify that email address for me?

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

utterance: All right. I'm gonna get that receipt sent over to you now. Was there anything else that I could help you with today?

utterance: Actually while I have you on the phone. So I was thinking about applying for a secured loan. I have inherited some land from my Aunt so I have collateral to put up. so is it possible to do that with you on the phone?

utterance: Yeah I can do that for you. Let me just get some more information from you. So I have all the basics regarding your account. But can you tell me what city and state you're in?

utterance: Yeah, so, I'm in Kansas City, Missouri.

utterance: OK. And what is your street address?

utterance: Like my home address is five one nine Hoover Road and it's Kansas City. The ZIP code's seven three eight two zero.

utterance: OK. And can I also get a social security number for you?

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

utterance: OK. And your driver's license number and state of issuance?

utterance: So it's M nine three seven zero zero two zero zero. It's Missouri licence.

utterance: OK. All right Jill and are you the only owner of the business?

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

utterance: OK and when did your business open?

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

utterance: OK. And can you tell me what your business grosses annually? Do you happen to know what that information is?

utterance: Well I think last year for twenty twenty it was like five hundred and nine thousand if I remember correctly.

utterance: OK. And your tax ID number?

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

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

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

utterance: OK. And can I confirm oh nope I've already got your email address. So where do you receive your mail at? Is that at the business address or your home address?

utterance: You can mail everything to the business, that's where I primarily receive everything.

utterance: OK Jill and why are you seeking this loan?

utterance: I'm mainly trying just to grow a business up a bit. Maybe expand it some. You know, buy some new inventory, that sort of stuff.

utterance: OK. And how much are you looking to borrow?

utterance: actually I'd like to borrow around twenty thousand if possible?

utterance: OK. And you said that you're looking to use land you inherited for collateral. Is that correct?

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

utterance: And you know what the land is valued at?

utterance: So it was appraised at a hundred and thirty-one thousand.

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

utterance: It was like maybe five years is what I was looking at.

utterance: All right Jill. So I'm gonna send this through to see if I can get you a pre-approval for it. Give me just a moment OK? Just one second. Jill while I do have you on hold I do wanna let you know that on our secured loans, I do wanna have to let you know that they do risk the risk if you for some reason default there is an option there where we will repossess that property as part of that default. because it is being used as collateral towards the loan. So there is that risk there I do wanna let you know that before we agree to anything with that loan. and Jill So it looks like I did get the pre-approval for you. so what I'm gonna do now is I'm gonna email you a link to our loan portal with a list of documents that I'll need you to provide. Once you access that email if you could upload those required documents there and then a loan agent will reach out to you to assist you with the loan process. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is p- is provided and can be verified. Did you have any questions regarding any of that?

utterance: I don't. I think I I I think I get everything.

utterance: All right Jill. So if you don't have any questions, I'm gonna go ahead and get that emailed over to you. and I just wanna let you. Thank you for choosing Intellibank and tell you to have a great day all right?


utterance: Thank you for calling Intellibank.

utterance: Home of the smart savings and low rate SBA loans.

utterance: My name is Richard. How can I help you today?

utterance: Hi Richard, I'm so happy I got through here, you know, I've been calling Intellibank for like an hour now.

utterance: This is Intellibank?

utterance: Sir, this is Intellibank.

utterance: Intel bank right, yeah? Intel bank. Intel like you know the computers, right?

utterance: Intellibank.

utterance: With an extra L and an I in here but yes, yes.

utterance: Intellibank!

utterance: Intellibank, yes.

utterance: Like intelligent.

utterance: I see, I see. OK. Well you know, I'm calli~

utterance: We're an Intelligent Bank.

utterance: And you banking with.

utterance: Us makes you more intelligent.

utterance: You're so gracious with the funny you're so gracious with the funny.

utterance: What's your name sir?

utterance: this is Sal.

utterance: Sal. OK, Sal.

utterance: What can I help you with today?

utterance: I'm looking to get a bank statement here.

utterance: OK Sal, I can definitely help you out with that. That is a simple process. I would just need your four digit PIN that is associated with your Intellibank account.

utterance: Do you have that with you Saul?

utterance: I've got, but am I supposed to give it?

utterance: Well.

utterance: That's the PIN number they tell you never give out your PIN. I'm sus right now.

utterance: You know, you gotta help me through this.

utterance: I can understand your your hesitation sir but in order to make sure we're getting you the proper bank statement for the proper account. I need to verify some secure information and this is just the first step of that. I'll be verifying other information as well.

utterance: All right. Let's get to it.

utterance: OK.

utterance: What is that four digit PIN?

utterance: Oh, the four digit?

utterance: Yes.

utterance: Three seven six two.

utterance: Three seven six two.

utterance: All right. Gimme one second. I'm pulling up your account Sal.

utterance: All right. Here we have it. OK. Just verify your date of birth with me please?

utterance: Eleven fourteen eighty-five.

utterance: OK. Eleven fourteen eighty-five.

utterance: Yes eighty-five. I was born in the sunshine.

utterance: Sunshine!

utterance: Everybody like the sunshine!

utterance: All right!

utterance: You just took me back with that one Sal. I appreciate that. That was a blast from the past.

utterance: Let's let's just get the bank statements.

utterance: All right now I see a few account here listed under your name the statement that your going to be pulling the the the account from. What is that number.

utterance: Oh yeah yeah yeah. This is the joint account

utterance: With the wife then there's joint account with the ex and the joint account with the kids and the joint account with the grand parents. OK I'm looking for just the just the one just me.

utterance: Just you? OK.

utterance: And what account number is that one?

utterance: That one is nine two six eight six nine six nine B S.

utterance: Six nine B S.

utterance: Fantastic.

utterance: All right great. What is the range of your bank statement that you are requesting? Are you requesting one week?

utterance: One month? Three months? A year?

utterance: Let's go back let's

utterance: Say three quarters.

utterance: Three quarters. All right, so that'll take us right around the beginning of the year.

utterance: Sounds good. Lemme enter that information into the field.

utterance: And Sal the delivery method that you're wanting these sent to you are you requesting that they are mailed to you? Or would you like them emailed to you?

utterance: Emailed.

utterance: Emailed.

utterance: You would like it emailed. OK fantastic.

utterance: Just gimme one moment and I'll be verifying your email address when I get to that page.

utterance: Yes, the

utterance: Email yeah is three two six nine at Yahoo dot com.

utterance: Oh OK. Just gimme one moment. I'm not to that page yet where I can fill in that field.

utterance: Oh you guys are slow.

utterance: OK go ahead and gimme that email address, sir.

utterance: Three six nine at Gmail dot com.

utterance: Three six nine. OK.

utterance: Fantastic. All right great so how many copies? Oh! Lemme just notify you.

utterance: that when we send this email to you. It is a secured email.

utterance: And it will be sent in a PDF form and will be allowed to print it off as many times as you need.

utterance: There is a one time charge of twenty dollars that will be billed to your account the nine zero B S.

utterance: That's fine. That's fine. Twenty dollars is nothing.

utterance: OK, great.

utterance: OK, great.

utterance: Just gimme one moment and in just a moment you will have the email that will have everything we discussed in the phone call today.

utterance: As well as your PDF for your bank statement.

utterance: Also in that email you will have links to our online banking and mobile banking.

utterance: So if you have any other questions feeling free to feel free to call. You can call me. I wouldn't I wouldn't mind that at all. But! If you just want those answers twenty-four seven online banking and the mobile app will be ample help for you. Is there anything else I can help you out with, Sal?

utterance: OK.

utterance: Lemme see

utterance: No, I I think that's it. I think you've been pretty helpful. Thank you very much and you know have a good day.

utterance: OK, Great. Thank you.

utterance: Thank you for being a long term Intellibank customer.

utterance: Have a great day Sal.

utterance: All right.

utterance: Bye.