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

utterance: hey, how's it going? Jim Daniels. How you doing?

utterance: Jim Daniels?

utterance: That's right.

utterance: Pretty good, and just just good old Andrew here at Intellibank.

utterance: Well, that's terrific. look, Andrew, I got a. I got a loan with you guys, one of those personal loans. And I I, for some reason, stopped getting mail about it. And you know anything about that? I used to get a statement in the mail, and I haven't gotten one in quite a while.

utterance: Well, sir, well, I can look into your account and see. Maybe, at some point, you had signed up for paperless option?

utterance: You know, it's.

utterance: Possible, yeah.

utterance: No? all right, well, and you just. Did you wanna know what the balance is today?

utterance: That's correct, yeah. I just need to know how much, and what I gotta pay, and all that jazz.

utterance: I can look into that for you. So, huh, and le- just to verify. I know you already told me, but so you first name's Jim, J I M.

utterance: That's correct.

utterance: Last name Daniels, D A N I.

utterance: That's correct.

utterance: Yeah.

utterance: Yeah, well, that's traditional spelling.

utterance: Yeah.

utterance: And your date of birth.

utterance: Date of birth is February thirteenth, nineteen fifty-two.

utterance: Two thirteen fifty-two.

utterance: Yes.

utterance: Also would need your four digit PIN number.

utterance: PIN number. yes. One six nine nine. Give that a shot if you can.

utterance: one six nine nine. All right, and then of course I would need that loan account number to pull that up for you.

utterance: The loan account.

utterance: Mhm.

utterance: OK. let me. Let me go try and find that I can. I can go online at Intel bank dot com, right, and find that?

utterance: Yes, sir. and it will give you your balance due on that website. But i- we can verify and make sure it's the same number I have.

utterance: Mhm.

utterance: OK, great. yeah, and put you on hold for one second.

utterance: Yeah, no problem. I'll wait here.

utterance: All right, I'm back.

utterance: Yes, sir.

utterance: All right, so the account number is seven five two eight one nine nine five.

utterance: Seven five two one one eight nine five.

utterance: That's correct.

utterance: And that checks out. All right, so I have it here registered as a real estate loan.

utterance: Correct.

utterance: And the current balance due on that is four thousand three hundred eighty-six dollars and twenty-five cents.

utterance: All right. And when's that due by?

utterance: So the balance itself is due essentially six months from now on June seventeenth, two thousand twenty-two.

utterance: Yeah, gotcha.

utterance: but your minimum payment at this time is one hundred and fifty dollars.

utterance: OK. Is that something I can take care of right now?

utterance: The payment?

utterance: Yeah.

utterance: yeah. Well, I could put that through for you. Did you want to do that online or over the phone?

utterance: you know what? I'll just go ahead and do it online.

utterance: OK. and to let you know because I know you had a question about this at the top, it looks like you were signed up for paperless billing. Did you wanna stay on that? Or you wanna keep and receiving it by mail?

utterance: You know what? I'm kind of digging this paperless, so, you know, don't worry about the mail.

utterance: OK. I'll keep you there on the paperless billing, and that is your loan balance due at this time. Thank you for choosing a real estate loan with Intellibank, and if you need anything else, you're free to call us again or use our website at Intellibank dot com or the Intellibank banking app available in the app.

utterance: Intellibank?

utterance: I think I. I think I called this Intellbank.

utterance: It's a co- common common mistake.

utterance: Sure.

utterance: Yeah. All right, thanks so much.

utterance: Thank you, sir. Have yourself a great night, all right? All right, thank you. Bye bye.

utterance: You too.


speaker_role: Agent

utterance: Thank you for calling Intellibank. My name is Stephen how can I help you today?

speaker_role: Customer

utterance: my accountant is on vacation and I need to schedule a loan payment.

utterance: OK. Well I can certainly help you with that. Let me get some information from you real fast. Can I have your name please?

utterance: Dan Thomas. T H O M A S. And my date of birth is May twelfth nineteen sixty.

utterance: All right thank you very much for that information. And can I have your security PIN number?

utterance: One zero six two.

utterance: Thank you and I've got your information up here. Can I have the account number for the loan that you are wishing to make a payment for?

utterance: OK hang on a second let me look it up.

utterance: OK no problem just let me know when you're ready.

utterance: OK. I've got it.

utterance: All right sir whenever you're ready if you could just give me that loan number.

utterance: Two zero nine zero two one eight four two zero.

utterance: All right that's two zero nine zero two one eight four two zero. Was that correct?

utterance: That is correct.

utterance: All right great. And how much would you like to make this payment for?

utterance: three hundred dollars.

utterance: OK and that's three hundred dollars and zero cents?

utterance: Yes.

utterance: Alright thank you. And what date would you like that payment to be made?

utterance: can you tell me the due date?

utterance: Yes sir it looks like that is due on the eighteenth.

utterance: OK let's make the payment on the sixteenth.

utterance: All right no problem.

utterance: And then can I have the account number for the account you'll be making that payment from?

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

utterance: All right let me just confirm that's seven three zero six nine five six eight two nine. Did I get that right?

utterance: Yes that's right.

utterance: Great and then the routing number for that account please?

utterance: The routing number is one seven zero five five four nine two one.

utterance: OK I'll read that back that's one seven zero five five four nine two one correct?

utterance: Yes that's correct.

utterance: All right great so I've got that payment for two hundred dollars set up to be paid to your loan or towards your loan on the sixteenth.

utterance: Yes that's right.

utterance: All right I've got that processed and you will see that reflected on your account as of the sixteenth.

utterance: OK sounds great.

utterance: How's your day going so far?

utterance: Oh my day's doing pretty good nothing too bad going on. How's your day been?

utterance: Oh not too bad.

utterance: Well that's great. All right is there anything else that I can assist you with today Mr. Thomas?

utterance: I don't think I need anything else.

utterance: Ok well at this time I would just like to ask you if you have or if you would be interested in any information about our online banking?

utterance: yeah I don't have online banking that might be something I need.

utterance: All right well yes I do encourage all of our customer to take advantage of it. It is a free service that we offer to our customers. and it allows you to log on from any internet connected device anytime of the day or night and you can get on there and manage pretty much any aspect of your account that you can do my calling us here at the call center. You can make payments, schedule payments for the future, set up automatic billing open new accounts, apply for credit cards or loans, schedule appointments with any of our specialists you can even buy and sell stock on there if you have an investment account.

utterance: OK yeah that that sounds something I I think I might like.

utterance: All right well is that something you would like for me to set up for you today?

utterance: yes if you can.

utterance: I absolutely can do that gimme just one moment.

utterance: OK and can I have your email address please?

utterance: Thomas Customs at Gmail dot com.

utterance: Thank you and is that the email address that you'll that you would like to be associated with your online banking account?

utterance: yes.

utterance: Alright great so I'm going to go ahead and send an email to that account and you should see that here within the next minute or so and there'll be a link in that email and that link does expire within thirty minutes so do please click it as soon as possible and when you click that link it will open a new browser window and that window will give you your username and then ask you to create a unique password for the account. And once you've done that it will guide you through the rest of the process.

utterance: OK that sound fantastic.

utterance: All right sir is there anything else I can assist with today?

utterance: I don't believe so.

utterance: Ok well thank you very much for choosing Intellibank and you have a fantastic day.

utterance: All right thank you.

utterance: Goodbye.


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

utterance: Hey Steven. How are you?

utterance: Oh, I'm pretty good, how about yourself?

utterance: Oh, I'm doing great, thank you so much.

utterance: What can I help you with today?

utterance: Well just wanna g- I don't know how many times people call you about this but I wanna get a quick liquidy ratio.

utterance: Oh sure, the quick liquidity ratio?

utterance: That's how you say it, I never know how to Thanks for understanding.

utterance: No, I understand.

utterance: It is a rare call anyway so yeah you know a lot of people ask about that.

utterance: Mhm.

utterance: well not a lot of people ask about that and I understand, but let's get you started on that. could I get your first and last name?

utterance: Mhm.

utterance: You most certainly can it's Jake Smalls.

utterance: Jake Smalls, is that Smalls at the end with an S or a Z?

utterance: Yeah.

utterance: It's with an S, yeah.

utterance: Oh.

utterance: Let me just punch that in, S M A L.

utterance: It's like.

utterance: The rapper, what's his name?

utterance: Big E Smalls, or Biggie Smalls?

utterance: Yeah.

utterance: Big.

utterance: Yeah.

utterance: Mhm, yeah someti-.

utterance: Sometimes you get.

utterance: Like cuz I I got a little bit of a weight problem myself.

utterance: can I get your date of birth?

utterance: Oh, let's see what is My date of birth or Biggie Smalls b- date of birth?

utterance: I believe yours would work out.

utterance: OK let's do mine it'll be August first seventy-two.

utterance: August first, nineteen seventy-two. All right so could I get your PIN number and also the time period your asking about the ratio, like the last quarter, the last two quarters?

utterance: Let's do the last two quarters.

utterance: And what was that first question you asked for?

utterance: Your PIN number?

utterance: Oh, PIN number god it's been so long since I've oh man. You know I don't think I've

utterance: You don't remem-

utterance: I don't.

utterance: Think I've typed it since you know, before I was in the coma. let's see here, forgot my memory's all a little shaky since that whole ordeal you know.

utterance: Well do you you wanna try a couple?

utterance: Yeah, let's see here. I always liked the numbers seven two five two. Is that it?

utterance: Seven two fiv- is it a. It's a- gotta be a four digit number right?

utterance: That's correct what what what what what e- what else could it be?

utterance: Oh it's not it's not the seven two five two?

utterance: Lemme see.

utterance: What a- here try this nine one one one.

utterance: Nine one one one. lemme just try both of these. oh wow looks like actually, your original was correct sir, the seven two five.

utterance: Hey, I.

utterance: Still got a few a few wires firing up there huh?

utterance: Well you know being in a call center sometimes we get our wires crossed.

utterance: No.

utterance: Well.

utterance: Yeah. I mean you know, you should try having a cinder block dropped on your head see how you do after that.

utterance: All right. and then yeah, I did need the time period that you're looking for the ratio like the last quarter.

utterance: Last quarter please.

utterance: Last quarter? OK have two thousand twenty-one let's see here it'll take a second for the system to process. Quick liquidity ratio for Jake Smalls. OK, it looks like over the last quarter it's at point three eight.

utterance: OK.

utterance: So hopefully it helps you out and just to let you know too that I'm happy to help you on the phone, but you can also look up the quick liquidity ratio of the last quarter, last two quarters, the last year, several options are online at Intellibank dot com.

utterance: Mhm.

utterance: Mhm.

utterance: Or through the Intellibank banking app which you can download for your smartphone. That is for iPhone or an Android through the app store and that is a free download. Just make sure you set up your unique username, secure password.

utterance: Mm.

utterance: Mm.

utterance: And that'll give you access to your account twenty-four hours a day, seven days a week.

utterance: Mhm.

utterance: And you can also call us through the app, there's a little button on there and it just says calling e- you know, usually kind of decreases your wait time if there's a wait time during that time.

utterance: All right sounds good.

utterance: Yeah.

utterance: I don't think I'd remember about half of what you said there.

utterance: Well that's OK sir, I just wanted to let you know what your options are here at Intellibank because we do see you've been a long time customer with us here.

utterance: Yeah I mean, long time, way before the again before that cinder block took me out for two and a half years.

utterance: Well sir hopefully I've helped you out today, if there's a survey call you receive let us know how we did, OK?

utterance: OK, thanks so much.

utterance: OK well have yourself a great evening.

utterance: Same to you, same to you appreciate all your help.

utterance: And thank you so much for.

utterance: OK, it was lovely talking to you.

utterance: Banking and calling that

utterance: OK. All right.

utterance: Goodbye. Bye.

utterance: Bye bye.


utterance: Good afternoon, and thank you so much for calling Intellibank. My name is Risa, and I will be assisting you on today's recorded call for customer satisfaction.

utterance: How may I help you today?

utterance: Risa, I'm wanting to open a S B A seven A loan, admin costs.

utterance: OK.

utterance: OK.

utterance: Can I do that application with you? Or do I need to go online, or come in, to do that?

utterance: You can either way. I can do it for you right now. It can be done online.

utterance: And you can go into a branch. But I'll, if you like, I can just start this with you right now.

utterance: Yeah, it'd be easier to, to do it now.

utterance: Yeah, and it takes, it takes five minutes or less. It's pretty easy. may I get your name, please?

utterance: Right.

utterance: My name is Melvin Ward.

utterance: W A R D?

utterance: Yes. Five two nine three Maple Drive.

utterance: OK.

utterance: Oh, I'll get to, thank you so much for that sir. I'll get to that in just a moment. I'm just gonna pull you up in our system. May I please have your four digit PIN number?

utterance: In Los Angeles.

utterance: It is six seven nine three.

utterance: Six seven nine three. OK. And your date of birth?

utterance: My date of birth is eight ten nineteen seventy-three.

utterance: Terrific. OK, great. I can see you here in our system.

utterance: I see you have several accounts with us. Thank you so much for your business. All right, let's go ahead and get this started. We'll be doing the loan under your name?

utterance: Yes.

utterance: All right. Melvin Ward. And can you please provide your home address?

utterance: Yes, that's five two nine three Maple Drive.

utterance: Got it.

utterance: That's here in Los Angeles, California. Nine zero zero one three.

utterance: Perfect. And, Melvin, may I have your social security number, please?

utterance: Six two five eight four seven five two eight nine.

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

utterance: Nine four six eight four two nine eight eight six.

utterance: Great.

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

utterance: I am. Yeah.

utterance: Great.

utterance: And when did you establish your business?

utterance: We established this two thousand year two thousand in March.

utterance: Very good. All right, just loading that into the system.

utterance: OK. And your gross annual sales? You can use last year's numbers if you'd like.

utterance: Last year's numbers we were at two eighty-eight. Two hundred and eighty-eight thousand.

utterance: OK.

utterance: All right. And then I will need your tax ID number.

utterance: That is four nine eight zero seven nine two four nine seven.

utterance: Great. And what is the address where your business is located?

utterance: the business is located five four nine Elm Street. And that's here in Los Angeles.

utterance: Nine zero zero one three.

utterance: Great. All right, and how much would you like to apply for for this loan?

utterance: let me ask you, what, what are the term lengths for these, these loans?

utterance: How long can you have the loan for?

utterance: Yes.

utterance: How long can I have?

utterance: You can have it for up to ten years. Currently the interest rate is only three percent.

utterance: So, you and there's no penalty for early early payment. So if you can complete the loan under that time, there's no penalty.

utterance: No pre-payment, OK, so ten year term. Let's do let's go for three hundred thousand.

utterance: OK.

utterance: Three hundred thousand, OK. And I generally recommend that people check the ten year box.

utterance: Would you like to go ahead and do that?

utterance: Yes, absolutely.

utterance: OK.

utterance: No harm in that.

utterance: All right, and the only thing that will be require is a down payment of between five to twenty percent upon approval.

utterance: OK.

utterance: And that would be due within the first thirty days. How much would you like to put down?

utterance: Fifteen percent.

utterance: Fifteen percent. OK, very good. All right, I am processing this right now.

utterance: And just wanted to let you know, you will hear back within seven to ten days, about your loan.

utterance: And upon approval, you can have this, the amount funded directly into your business total account.

utterance: And since I have this, since an internal account, an internal account, excuse me, I have the routing number here. So would you like to have it routed directly to your account?

utterance: Mm.

utterance: Yes, let's do that.

utterance: OK. Great.

utterance: All right, you are complete. I just sent you an email with an email confirmation, and a link to upload your tax ID and your driver's license.

utterance: We do need those photo documents, and that will complete your application.

utterance: OK, awesome. That was quick and easy.

utterance: It is! Yeah.

utterance: Yeah.

utterance: Well good luck, and is there anything else that I can assist you with today?

utterance: Nope, that's it. Thank you so much.

utterance: All right.

utterance: Thank you so much, Melvin. And have a wonderful day.

utterance: You too.

utterance: Bye bye.


utterance: Welcome to Intellibank. I'm Paul. How can I help you?

utterance: Hi. quick quick and easy. Quick and easy checking my credit card balance due.

utterance: Fantastic. I can help you with that. Do you wanna go ahead and give me the credit card number.

utterance: Sure. It's four. Oh, wait, actually, wait looking at the wrong card. Sorry.

utterance: It's OK.

utterance: OK here here we go, and it is four Oh, so four four three two one six six six six four and then eight.

utterance: OK and your full name?

utterance: My full name is Trisha.

utterance: Mhm mm.

utterance: Trisha .

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

utterance: My date of birth is January first nineteen seventy-nine.

utterance: OK very good. Go ahead and give me your PIN number.

utterance: Four four zero one.

utterance: OK and go ahead and give me your social.

utterance: Four nine one three two six two one two.

utterance: And go ahead and give me your street address.

utterance: That would be fourteen thirty-one free, in San Diego County Los Angeles, California.

utterance: Mhm.

utterance: Mhm. What's the ZIP code on that?

utterance: Nine zero zero four eight two.

utterance: OK. Go ahead and give me your phone number.

utterance: Three one zero three one two four oh nine one. four oh nine one.

utterance: OK.

utterance: Is that a personal or a business?

utterance: Just it's both.

utterance: OK what is your business?

utterance: Oh, the main, like, main line? It's one two one three four six six two six two.

utterance: Do you have an address for the business?

utterance: Yeah. that'd be one one seven and a half Yellow Brook in Green Bay, South Dakota.

utterance: Mhm mm. OK and what's the business name?

utterance: The business name is Helmet Factory.

utterance: OK and how long you been doing that?

utterance: we've been doing it for the past like six months I'd say. Six months, yeah.

utterance: Mm.

utterance: Six months.

utterance: Exactly six months.

utterance: OK and you wanna check your credit card balance?

utterance: Yes, sir.

utterance: That's on the platinum card I understand.

utterance: It sure is.

utterance: OK. Your balance is five hundred and seventy-two dollars.

utterance: Five hundred and seventy-two?

utterance: Yeah.

utterance: Oh, all right.

utterance: Would you like to pay it all or pay a little bit?

utterance: Oh, oh. If I pay it all, what will what's that gonna look like?

utterance: You'll be paying five hundred and seventy-two dollars?

utterance: If I pay it all, and then and then what's that gonna look like from then moving forward for me?

utterance: Well, you'll be at zero. It'll be a fresh start.

utterance: And benefits? What benefits will I receive from that? On my account benefits.

utterance: Well, no account benefits per se, but you'll have a great balance with us and great credit.

utterance: Mhm.

utterance: Moving forward, if you want to establish some new line of credit.

utterance: OK. I'll pay half.

utterance: OK.

utterance: Half of what I owe.

utterance: Mhm mm.

utterance: Mhm mm. do you need the card I'll be paying with and .

utterance: Yes.

utterance: Please.

utterance: So, OK let me take a peak see all my different card payment options. I've got a little stack of card here that I like to pay bills with.

utterance: Sure.

utterance: OK and I'm gonna go with this guy. It's gonna be three four six eight two nine one four four three zero.

utterance: OK very good. Well, your balance is now at half of whatever I said it was earlier. Yeah. Is there anything else I can do for you today?

utterance: Magnificent.

utterance: Yeah.

utterance: Tell me about some offers that you have coming up, as my customer.

utterance: Well, we do have a wonderful travel card for traveling people.

utterance: Oh, .

utterance: it offers pretty much the exact same thing you have with the platinum card but no annual fee.

utterance: Oh wee.

utterance: OK.

utterance: there's that, and then we are also doing. we we we're giving away pens, if you come into the store. Yeah.

utterance: Pen?

utterance: OK.

utterance: but other than that no other deals or .

utterance: Can I get a

utterance: Pen sent to me via mail? via.

utterance: Absolutely.

utterance: You wanna go ahead and give me that address one more time?

utterance: Oh, can you send it to a friend's? A friend's home?

utterance: Yes

utterance: Please give me that address though.

utterance: OK.

utterance: so it's gonna be forty-three Lane. Rochford's, New York.

utterance: OK.

utterance: Mhm.

utterance: Very good.

utterance: Nine four two one three.

utterance: Fantastic.

utterance: Mhm mm.

utterance: But that'll arrive in about three to four years. and by then the the ice caps will have melted and then the pen will be obsolete, but that is on its way for sure, and we just wanna say thank you again for banking with Intellibank and if you need anything else don't hesitate to call, but also thank you.

utterance: Uh-huh.

utterance: Mhm mm.

utterance: Mhm mm.

utterance: You're welcome.


utterance: Thank you for calling Intellibank. My name is Jake. Can I get your first and last name please?

utterance: Yes. This is Monica Stevens.

utterance: Mkay, Monica Stevens. Can I also get your date of birth?

utterance: Yes. One one nineteen sixty.

utterance: Mkay. And for security purpose, can I get your email that we have on file.

utterance: Yes. It's Organic Pete at Gmail dot com.

utterance: OK. And also for security purpose can I get your driver's license or state ID number?

utterance: Yes. It's P G one three three seven four eight.

utterance: You said seven four eight?

utterance: Yes.

utterance: OK. And how can I help you today Miss Stevens?

utterance: Yes. I wanted to check my credit card business balance credit card.

utterance: Oh, OK.

utterance: And possibly pay it off.

utterance: OK. Let's see. And what's the account that your business under?

utterance: Savings.

utterance: OK. Can I get that?

utterance: A A zero zero one four five five six zero zero nine eight.

utterance: Mkay. Nine eight?

utterance: Yes.

utterance: All right. Mkay, let's see. Balance due Mkay. You're actually up-to-date. The balance due right now. Well, your next payment ain't until next month.

utterance: Mkay.

utterance: and that's fifty-two dollars.

utterance: Well we just go ahead and pay that off.

utterance: I don't blame you. that's a good business decision. OK. Let's let's go ahead and pay it off.

utterance: Mkay.

utterance: All right. Now are we using another account to pay it off?

utterance: Yes. use the checking.

utterance: OK. And can I get that checking account number?

utterance: Yes. It's one one two four five five six zero zero nine nine.

utterance: OK. All righty. Let's get this all done.

utterance: Mkay.

utterance: Also you quick question, Miss Stevens. You do bank online with the app right?

utterance: Yes.

utterance: OK. It should pop up with notifications of your next credit card payment.

utterance: Oh, OK.

utterance: And it should give you the balance cuz you get it You get your balance renewed every month you pay it right?

utterance: Right.

utterance: OK. So yeah, it's that should show up on your account. just FYI. If you ever needed to be in a rush or in a hurry to pay it off you can use the app for that.

utterance: Oh, OK.

utterance: gonna get this done.

utterance: OK.

utterance: And all right. You're good for for next month.

utterance: All righty.

utterance: Do you need. Let me go ahead and give you the balance.

utterance: All right.

utterance: Mkay. You didn't spend everything. in You didn't spend much.

utterance: OK.

utterance: So we're good and then next month you should be You should actually have carryover.

utterance: Oh, all right.

utterance: Mkay. So whatever you didn't spend this month should carry over to next month.

utterance: OK.

utterance: And that and that balance should be renewed on the fifth.

utterance: All righty.

utterance: OK.

utterance: OK. That's perfect. Thank you. Appreciate your help.

utterance: No problem, no problem. anything else I can help you with?

utterance: you can give me that balance.

utterance: Oh, yeah. Sorry about that.

utterance: No problem.

utterance: All right. All right. On the credit you have eight thousand four hundred ninety-two dollars and fifty-eight cents.

utterance: All righty.

utterance: Mkay.

utterance: OK.

utterance: Anything else I can do for you?

utterance: No, that's about it. Thank you for your help today.

utterance: No problem and you have a lovely day. Thank you for calling Intellibank, Miss Stevens.

utterance: Thank you. You have a good day. Bye bye.

utterance: Bye bye.


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

utterance: Hi Natasha. I need to schedule another Intellibank card payment. credit card payment. I called earlier and forgot to include this account in the schedule.

utterance: OK I do remember you Mr. Robinson. you were scheduling an Intellibank business platinum card payment if I'm correct.

utterance: Yes.

utterance: OK sir let me just get that information pulled up in our system. I'm still gonna to need to verify your information before I go ahead and get into this account OK?

utterance: All right.

utterance: All right sir just one moment while I pull up my computer screen right quick.

utterance: OK.

utterance: Alright sir can I get your first name please?

utterance: Yeah. First name is Gabriel.

utterance: Alright. And your last name?

utterance: Robinson.

utterance: Alright that was just to verify Mr. Robinson. OK and can I get your date of birth again?

utterance: Yes it's ten twenty-four nineteen seventy-four.

utterance: Alright sir that was ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: Could you give me the PIN number on that account again sir?

utterance: yes my PIN number is four four nine five four nine.

utterance: OK let me repeat that back to you. That was four four nine five four nine?

utterance: Yes.

utterance: Alright. Thank you so much sir. And could you give me that credit card number for that account as well?

utterance: Yes. The credit card number is Four five three nine. Six eight five four. Eight eight two three three six two eight.

utterance: OK sir that was four five three nine. Six eight five four eight eight two three. Three six two eight. Is that correct?

utterance: Yes.

utterance: OK and could you give me the account number you are wanting to make this payment from?

utterance: Yes the account number is four zero nine five five two three one five seven.

utterance: Alright sir. To verify that number was four zero nine five five two three one five seven?

utterance: Yes.

utterance: All right, thank you so much for that information. And could you give me the routing number please?

utterance: Yes the routing number is five one one three four three six seven eight.

utterance: Alright sir that number was five one one three four three six seven eight?

utterance: Yes.

utterance: All right thank you so much. And what was the amount that you wanted to make set up that payment up for?

utterance: could I do one fifty.

utterance: Alright you wanted to make a payment of one fifty on that account.

utterance: Yes.

utterance: OK sir. And what date would you like that payment scheduled on?

utterance: Can I do the next day eleven ten?

utterance: All right you want that scheduled for the tenth.

utterance: Yes.

utterance: Of this month.

utterance: Yes.

utterance: Alright sir.

utterance: I can certainly set that up for you. It looks like your current balance on this card is one thousand five hundred and twenty-three dollars. Your current payment due is it's around one ten so that'll take care of that. And your normal due date is around the twentieth of this month so that'll be right on time before your due date sir.

utterance: OK.

utterance: Alright. Just give me one moment while I go ahead and set, schedule your loan payment in our system.

utterance: Sure take your time.

utterance: Oh sorry your credit card payment in our system.

utterance: Alright sure take your time.

utterance: I did want to ask a question though. If if I want to make a earlier if I wanted to make a payment earlier, can I go ahead and do that? would it cancel this payment out or would I be making two payments that month?

utterance: yes sir if you schedule your payment prior to this payment pulling through your account you'll be able to go ahead and process that payment and it actually will cancel out the next payment. It'll be automatically credited to your account and you'll you will you'll get sent out a receipt for the payment for this month. But if you happen to make additional payment after this payment is is debited from your account, say it's scheduled for the tenth and you make the payment on the thirteenth you will be making a double payment for that month.

utterance: Oh.

utterance: Alright, all right, all right that sound all right that sounds good. By the way I meant to tell you earlier my sisters name and my sisters name Natasha. She refuse to go by her full name though. Only Tasha. You not like that are ya?

utterance: Oh no sir I certainly am not. Actually my little brother gave me my nickname he couldn't say Natasha so I've been going by Sasha for you know a number of years now. Which you know is a little confusing to a lot of people. You know they think my name is Sasha and I have to you know once they see my name on paper they're like but I thought you were Sasha so it's it's pretty funny.

utterance: Alright. Thank you so much Mr. Robinson I've already setup that payment for you. That should be processed on the next payment cycle. on this come up payment cycle since you've already set this up prior to your payment being pulled through this account. So if you have anymore questions about that payment or if you would like to setup additional payments, you can always call us over the phone or you can go online at Intellibank dot com if you have an online checking online account you can go ahead and setup your payment through that as well.

utterance: Alright. Thank you.

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

utterance: no that's about it.

utterance: OK. Thank you so much Mr. Robinson for giving us a call back today again my name was Natasha and I hope you enjoy the rest of your day.

utterance: you too.

utterance: Thank you. Bye Bye.


utterance: Good evening. Thank you for calling Intellibank. My name is Sybille and I will be assisting you tonight.

utterance: Hey Sybille, how is it going?

utterance: It's going pretty darn good, how about you?

utterance: It's going pretty good. it's so the reason I'm calling is I'd like to change my email address for you.

utterance: OK I can do that for you, that's pretty easy. And may I start with your first and last name?

utterance: Great.

utterance: Sure thing. It's Aaron A A R O N. Then it's Syptak. S Y P T A K.

utterance: Mm K.

utterance: OK great and then Aaron can you please provide your four digit security PIN?

utterance: Yeah. Sure thing. Let me find it.

utterance: K.

utterance: Yeah it's three four seven three.

utterance: Three four seven three. OK.

utterance: That's it.

utterance: All right I'm pulling up your information. If you can please just verify your date of birth.

utterance: K January fourth nineteen ninety-five.

utterance: OK great. All right one moment please while I pull this information up. OK great. And have you been using the same email address for all of your accounts?

utterance: Yeah I have.

utterance: OK. I see you've got your checking, your savings and your wealth management.

utterance: Yeah.

utterance: And what is the new address? The email address?

utterance: Well it I'm.

utterance: Just wanna confirm it it says there Aaron Syptak right on the old one?

utterance: That's

utterance: What the old one says.

utterance: Are you talking about your old email address?

utterance: Yeah my old.

utterance: Email.

utterance: Yes I was gonna verify that yeah. If.

utterance: OK. Yeah.

utterance: So I I wanna get rid of that and what I want it to be is Syptak Aaron.

utterance: OK.

utterance: Yeah and at the end it's Syptak with a K. You don't have the C right?

utterance: I have S Y P T A K.

utterance: That's it.

utterance: OK. So what is the full email address?

utterance: It's Aaron Syptak at Gmail dot com.

utterance: OK.

utterance: Yeah.

utterance: And that's the new email address?

utterance: Yeah.

utterance: That's the new one.

utterance: Got it.

utterance: Yeah.

utterance: OK. So let me go ahead and remove.

utterance: You ever just.

utterance: Wake up and your feet hurt? It's kinda.

utterance: No that doesn't sound very comfortable.

utterance: Not. It it's It's kinda like this sharp needle's just going into like my heel.

utterance: Do you work on your do you stand on your feet for work?

utterance: Oh, .

utterance: Well, yeah I do. Not not often I got these don't know what's going on. It's don't have to work a whole bunch. I just kinda sit down and just kinda stand around at the factory. It's a nail factory. Just kinda Huh. I'm not sure where the pain is.

utterance: Sorry to.

utterance: Hear that.

utterance: Yeah no problem.

utterance: Well just so you know, Aaron, while will while we were chatting I did update your new email and I just sent you an email confirmation of that as well. So that's done for you.

utterance: OK, great.

utterance: Yeah. I wanna.

utterance: Apply for a line of credit.

utterance: OK not a problem, I'm happy to do that for you. Are you applying for a credit card or one of our loans?

utterance: I'm thinking credit card.

utterance: OK, perfect. we have two types of credit cards. We have our secured gold card or our silver card. the basic difference is with the gold card you can earn points.

utterance: I can't earn points with the silver?

utterance: Not with the silver but both of them do have no no annual fee.

utterance: Uh-huh. That's good to hear.

utterance: yeah. at.

utterance: OK. So.

utterance: What what's the catch with the gold card? Why is there none for the silver, some for the gold?

utterance: Well, there's just two different different types of cards depending on a customer's interests. Also with the gold card you know a higher credit rating of course is going to be necessary to have a card like that.

utterance: You sold.

utterance: Me. I think I'm going to apply for it.

utterance: OK, great. All right. So let me just gather some basic information. OK so we're going under Aaron Syptak for that?

utterance: Yes.

utterance: And may I have your business address?

utterance: Yeah. It's eight two one Fairfax Avenue, Los Angeles, California. ZIP code three one six two five.

utterance: Your social security number?

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

utterance: Your driver's license?

utterance: It's D four three five nine four six.

utterance: All right. The name of your business?

utterance: Name of my business it is Syptak Four U. It's like a number four. Then just the letter U.

utterance: OK.

utterance: Got it. Are you the sole business owner?

utterance: Yes.

utterance: I am.

utterance: What were your gross annual sales?

utterance: Five hundred thousand dollars.

utterance: OK. Tax ID number?

utterance: Three two one six four two eight two four six. Got all memorized.

utterance: Good for you! OK I have finalized this. I've sent you a confirmation to your email. You should hear back between seven to ten business days. and just to finalize the application on your end, please make sure you upload your photo documentations that it asks for in the email.

utterance: Gotcha. I'll do that.

utterance: All right. Well, you're all set, Aaron. Is there anything else I can do for you?

utterance: I'm.

utterance: Good, thank you.

utterance: Have a great day!

utterance: Bye!

utterance: Bye.


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

utterance: Hi Amanda, how are you doing today?

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

utterance: Yes ma'am I sure am. This is Diane, I'm calling from Golden Dawn and we have had a personnel change up here. And, a I guess what I need to do, I need to verify some balances with you if I could? in particular, our Intellibank business platinum card available balance.

utterance: I'd be more than happy to assist you with that today. I do need to get some information from you so I can pull up your account. Now, I have your first name as Diane. Is that correct?

utterance: Yes ma'am. And, it's spelled, D I A N E.

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

utterance: Absolutely. It's Blum. B L U M.

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

utterance: Absolutely, it's February the fourth, nineteen fifty-five.

utterance: All right. I have February the fourth, nineteen fifty-five. And, may I have the company PIN number?

utterance: Sure. It's eight nine one seven five four three zero.

utterance: All right, I have eight nine one seven five four three zero. And you said you were with Golden Dawn, is that correct?

utterance: Yes ma'am, that is correct.

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

utterance: Sure. actually, we changed our telephone providers a little while back. So, I'm pretty sure that you do have our new phone number. But, just in case, Our old phone number was area code four one two. Five five five nine six nine seven. But the correct number is area code four one two five eight nine zero eight two zero.

utterance: Thank you so much Miss Blum. And, we do have the current phone number as the area code four one two five eight nine zero eight two zero. That is correct.

utterance: Yes, ma'am. That's that's the correct one, thank you.

utterance: Yes, ma'am, Miss Blum. Now you said you were needing the available balance for your Intellibank business platinum card. Is that correct?

utterance: Yes, ma'am.

utterance: OK, may I have that credit card number please?

utterance: Absolutely. That number is, five four eight four eight zero four eight nine four one two nine six three three.

utterance: OK. I have that as five four eight four eight zero four eight nine four one two nine six three three.

utterance: Yes. Ma'am, that is correct.

utterance: Thank you so much, Miss Blum. One moment while I pull up this available balance for you.

utterance: OK, great, thank you.

utterance: All right. I have your available balance at fourteen thousand, eight hundred seventy-five dollars and forty-two cents.

utterance: OK, so that's fourteen thousand eight hundred seventy-five dollars and forty-two cents?

utterance: Yes ma'am, that is correct.

utterance: OK, great, thank you.

utterance: Yes, ma'am. And is there anything else I could assist you with today Miss Blum?

utterance: yes actually. Could I go ahead and verify the balance in our Intellibank business preferred checking account?

utterance: Yes ma'am. May I have that account number please?

utterance: Sure. It is six nine six five seven one zero zero two nine.

utterance: OK. I have six nine six five seven one zero zero two nine?

utterance: Yes, ma'am.

utterance: Thank you, one moment. I am showing your balance at sixty-six thousand five hundred twenty-one dollars and thirteen cents.

utterance: OK, great. So, that is sixty-six thousand, five hundred twenty-one dollars and thirteen cents?

utterance: Yes ma'am that is correct.

utterance: OK, well thank you so much Amanda. I do appreciate your help today.

utterance: Well thank you so much Miss Blum. Was there anything else I could assist you with?

utterance: No, ma'am, not today, thank you.

utterance: Well thank you for calling Intellibank, and have a wonderful day.


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

utterance: Yes I wanted to apply for apply for a secure loan please.

utterance: Yeah 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 Ms. Baker?

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

utterance: All right Jill so you want to apply for a secured loan is that correct?

utterance: Yes but can you kind of explain it to me first please?

utterance: Yes Jill so we may have some loan options that would work for you but let me kind of explain the secured loan for you so in a secured loan we require some sort of collateral be provided to secure that loan that collateral acts like a safeguard for the term of the loan and if for some reason you were to default on that loan then whatever you have to put up as collateral that can be repossessed by the bank but essentially your secured loans are all backed by some form of the collateral that is either equal to or less sorry equal to or more than the value of the loan.

utterance: OK so you use a collateral it has to be over a certain amount then?

utterance: Yeah so generally any collateral we require that you either that it either be valued like I said at the same amount or or more than the amount so it can't be less you can't be putting up collateral that's valued at less than your loan is.

utterance: OK then and what is the interest rate for that secure loan?

utterance: So for the secured loan the interest rates vary they vary from nine point nine percent to twenty-four percent the rate is determined by a variety of factors includes like your credit report the amount you're borrowing you know the term of the loan just just a lot of different factors.

utterance: So is the time loan is that a better loan do you think?

utterance: when you do you mean the term loan Jill so term loans it really just depends on what the amount is you're trying to borrow and what length of term you are you are choosing also if you have something that you can put up for collateral towards that loan.

utterance: I mean I think I do so I still think the secured then would be better for me so how do I go about applying for that?

utterance: OK so Jill do you have an account with Intellibank?

utterance: Yeah I do I have a business account with you.

utterance: All right Jill so what I'm going to do is I'm gonna need to get some information from you give me just a second OK? Jill what is your account number?

utterance: Can you hold on just a second please I need to find it I need to find my check book give me just one moment please. it's so it's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: OK Jill and can you give me your date of birth please?

utterance: Yeah that's March second nineteen eighty.

utterance: And Jill it looks like your account has a four digit pin number on it for security purposes could you also share that pin number with me as well?

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

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

utterance: I'm in Kansas City and it's Missouri.

utterance: OK and your street address please?

utterance: Yeah so that's five one nine Houton Road it's Houton as in H O U T O N and then the ZIP codes seven three eight two zero.

utterance: All right and can I get a social security number for you Jill?

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

utterance: OK and can I get your driver's license and your state of issuance?

utterance: Yeah give me just a second so that's M nine three seven zero zero two zero zero and that's in Missouri please.

utterance: OK not a problem Jill let me ask are you the only owner of the business?

utterance: Yes I'm the only owner.

utterance: OK and when did your business open?

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

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

utterance: Yes I believe last year we grossed like five hundred and nine thousand I believe was our our gross for on our last tax return so yeah five hundred and nine thousand for twenty twenty.

utterance: OK and can I get a tax ID number for you?

utterance: Yeah so it's a Missouri tax ID and it's seven three eight eight two nine zero.

utterance: All right and I just wanna verify your business name is Johnson Controls with an S correct?

utterance: Yeah that's right.

utterance: OK and what is the address of your business?

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

utterance: All right Jill and can I also confirm an email for you?

utterance: Yeah so it's J Baker at Johnson Controls dot com so it's J as in Jill Baker at Johnson Controls dot com and then the phone number is eight one six nine oh nine three eight nine zero.

utterance: OK and where do you receive your mail at Jill, do you receive that at the business or your home address mail pertaining to your bank account?

utterance: So everything goes to the business and if it's for the business so of my business can go the business.

utterance: OK Jill and can I ask you what this loan is gonna to be used for?

utterance: So basically I'm trying to expand my business and I want to purchase some new inventory I just think think it'll dramatically change how we operate if I purchased new inventory.

utterance: OK and how much are you thinking you need to borrow?

utterance: So I want to borrow like sixty K if that's possible like sixty thousand.

utterance: Yeah OK we can see if you qualify for that give me just a second OK? Jill what term are you looking for for this loan?

utterance: so ideally I'd like to find like a twenty year if I'm doing the secured so preferably a twenty year.

utterance: OK all right Jill so I think I have everything that I need I do wanna let you know that on the secured loan like we said we're gonna have to put up something for collateral did you did you know what you were what're wanting to put up for collateral at this point?

utterance: I do have some property so I could put up some property if that would be possible.

utterance: Yeah we can do that for you do you know about what your property is valued at?

utterance: It's valued at like a hundred and three thousand right now so I believe it's I believe last it was checked it was a hundred and three thousand.

utterance: OK and do have an address for that property?

utterance: Yeah it's two one seven Houton that's Houton H O U T O N the same as the the the address my home address it's Houton road and that's Kansas City Missouri.

utterance: OK and you said a hundred and three thousand.

utterance: Yeah that's right.

utterance: And is there is there a building on this property or is it just land?

utterance: it's it's strictly land it's just an extra lot that we have.

utterance: OK all right Jill so I'm gonna send all this to her and see if we can get you pre-approval on this loan this may take just a few moments OK just give me just a moment all right?

utterance: OK thank you so much.

utterance: No problem.

utterance: Is it cold where you are?

utterance: yeah I'm in Missouri too so it's like in a low thirties today.

utterance: Oh yeah OK so I'm in Missouri too but it's cold here it's like it was like seventy degrees a few days ago can't believe how cold it's gotten over over the last few days.

utterance: Yeah I actually heard that it was going to be like a really really cold winter so they're saying that we're gonna have some negatives this winter so hopefully.

utterance: Yeah I think I'm going to be one of those people who leaves Missouri for the winter and then comes back when it's warmer I just I'm not really a a winter person.

utterance: Yeah my my parents actually do that they live in Florida November through March and they come back to Missouri for the rest of the year so they actually do that and they love it no complaints there for them.

utterance: honestly I think it might be the best idea and just go live wherever place has the best weather for as long as you can and then come come back for the next place with the best weather.

utterance: Yeah that that actually sounds like a really great idea and I know it's working great for my parents Jill I got the pre-approval for this loan for the amount fo sixty thousand and that's for the term of twenty-one years at an interest rate of seven point five percent so what I gonna do now is I'm gonna send you through to speak with one of our loan agents and they'll have some they'll gather some additional information from you I'm also going send you a link to our portal and that portal basically is available there for you to provide the documentation that's required to finish this loan out so I'll send you a list of what is required for that loan as well as that loan and we'll get that sent to you now, is there anything else I can do for you?

utterance: I don't think so that should be everything.

utterance: All right Jill I'll get all that information sent over to you in an email if there's anything else you need just give us a call back but thank you for choosing Intellibank you have a great day.


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

utterance: How you doing Jerry? I got something in the mail man. interest rates. Is. Keep going up. can you explain that to me?

utterance: Sure, I'll be happy to assist you with that. and if I could just ask, what's your name, sir?

utterance: Benjamin Freeman.

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

utterance: Ray's Construction Company.

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

utterance: Well, yes, sir, proceed on.

utterance: Terrific. and Mr. Freeman, what is your date of birth?

utterance: my date of birth is three twenty-six nineteen seventy. And my phone number is seven seven zero two two zero five eight five nine.

utterance: Thank you for that. I was of course, going to ask for that. So I appreciate that. and what is the business address for your account?

utterance: three six eight eight Lehman Court, Smyrna, Georgia, three zero zero eight zero.

utterance: All right, thank you for that. And Mr. Freeman, what is the account number that you have or your credit card number with us?

utterance: OK, all right, hang on just a second. Let me get that for you.

utterance: Sure.

utterance: OK, that credit card. my Emerald Card number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK, and if you wouldn't mind just for verification purposes repeating that?

utterance: That number is four zero three five seven nine three six six two six two zero nine zero six. That's my Emerald Card.

utterance: thank you for that, Mr. Freeman. And last question for verification. what is the PIN number on the account?

utterance: Oh, that PIN number is one seven nine five.

utterance: Fantastic. And Mr. Freeman I was able to go ahead and verify your account for your business gold card with us. we certainly do appreciate your continued business with us. And as I review the account it appears that we did inform you via notification that, yes, the interest rates on all of our customers cards are increasing by zero point two five percent. It is happening with all customers in part, due to the increase of the interest rates by the Federal Reserve.

utterance: OK. Hey, also tell me. Hey, what's the balance on that card, man?

utterance: Well, yes, the current account balance. Is that what you're asking for?

utterance: Yes, sir.

utterance: the current account balance on your Business Gold Card that is due appears to be twelve hundred and seventy-five dollars.

utterance: OK, I appreciate that Work on getting that out of the way.

utterance: Yes, sir. Are you aware of when your cycle ends?

utterance: not exactly. Will you explain it to me?

utterance: Sure, your billing period ends on November the twenty-ninth.

utterance: Oh, OK, that's good. So I, I do have a little grace period.

utterance: Yes, sir. You, of course, have until that time in order to make that balance due payment within that of time frame.

utterance: Oh, that, that sounds real good. that's really good that I tell you I walked outside today and I tell you the breeze was so chilly. I had to go back, go back and get me a jacket.

utterance: Yeah, you're, you're in right. The changing of the seasons. It's now autumn and it's cooler but some folks love that change from the summertime into the fall.

utterance: Oh, yeah I like it because it get rid of them gnats and bugs that's flying. That's the part I like about it.

utterance: Indeed, indeed and I know that the pests, some say the pests may come inside now depending on where you are.

utterance: Yeah, yeah keep your door shut.

utterance: Indeed, Indeed. And, of course, it's a changing of the season, the fall is very colorful, as well.

utterance: Oh, it's very pretty out. drive up in the mountain. It's very pretty out there.

utterance: Yes, sir. Yes, sir. Well, it seems like you're a man of nature. that's a that's a good thing.

utterance: Oh, yes. Thank you.

utterance: And, Mr. Freeman, is there anything else I can assist you with?

utterance: Hey, no that will be all. Thank you. You have done everything I ask.

utterance: Well, Mr. Freeman, I certainly do appreciate your giving us a call today. And we certainly do appreciate the business.

utterance: thank you very much. You have a good day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi, this is Jas Jones at Intellibanking. How can I help you today?

utterance: Hi, I got I got a piece of mail here.

utterance: just wanna kind of get some information on it, get some specifics on it and see if I'm interested.

utterance: OK. it sounds like you might have received our tax rate decrease flyer.

utterance: Mhm.

utterance: so would you like to speak with one of our one tax specialists?

utterance: That that sounds about right to me.

utterance: OK, great. can I start by getting your full name.

utterance: Yes, that's gonna be Christopher Sampson.

utterance: Christopher Samson, OK. And can I.

utterance: Mhm. Mhm.

utterance: Samson.

utterance: Boys.

utterance: OK. My. Yeah. Family takes a lot of pride in that last name there.

utterance: We actually own a few ranches and and horse, cattle in business all all that in Southern Texas.

utterance: Well, Yeah. Actually pretty quite successful maybe about a hundred cows. No, we don't do no breeding, fuck that because I mean, hey.

utterance: Oh wow.

utterance: It's a lot to do with bulls, you know.

utterance: Anyways, I'm sorry.

utterance: can I get your date of birth, please?

utterance: hell yeah. zero eight zero five nineteen sixty-nine.

utterance: Eight five nineteen sixty-nine. OK.

utterance: Mhm.

utterance: can I also get your credit card number, please.

utterance: one second.

utterance: My lady just made me a little breakfast. Give me one second, I'm gonna get my credit card.

utterance: All right, here we go. ready?

utterance: yes. Whenever you're ready.

utterance: All righty. I got five eight nine nine thirty-two thirty-three forty-eight fifty-five six six five five.

utterance: OK. And just to confirm that was five eight nine nine five two three three four eight five five six six five five.

utterance: That is correct.

utterance: OK, great. I'm gonna pull up your account but before we can proceed any further. I just need you to verify a few security questions. Can I start by getting your PIN, please.

utterance: All right.

utterance: Oh, Yes, thirty-two thirty-three.

utterance: Thirty-two thirty-three. OK.

utterance: Mhm.

utterance: And you might recall when you set up your account that you answered a few security questions. I'm just gonna go ahead and ask you those right now.

utterance: That's fine.

utterance: OK.

utterance: What sport did you play in high school?

utterance: Oh shit. Did rugby.

utterance: Did rugby shit, did baseball shit, track and field, did did the one ten hurdle with track and field. I was all around four star athlete. Letterman was just filled with shit I mean, it was great.

utterance: OK, so for the security of your account. I'm just gonna need you to give me one answer to the question.

utterance: Oh, I'm sorry.

utterance: So which sport did you write down when you set up your account?

utterance: shit.

utterance: Try roping.

utterance: Roping?

utterance: Yes. See if that works.

utterance: OK, yup. That was the answer. OK. And the final question. What city did you meet your spouse?

utterance: Nice.

utterance: Shit. Ella Mae.

utterance: What city we get drunk in and fucking elope?

utterance: We met in Vegas.

utterance: OK. thank you for verifying that information for me. I'm gonna go ahead and pull up your account.

utterance: OK. I have your account in front of me. And today you are looking to speak with one of our tax specialist, correct?

utterance: Yeah. that's correct. And you know, I I got this flyer in the mail.

utterance: And you know, third flyer, I say what the heck. So basically you know, I'm wanna speak with someone. I got a little, you know, like I said, our my family we had a little saddle cattle and all that shit going on. And what we would like to essentially get a tax specialist.

utterance: OK. I can go ahead and get you set up with that right now. Let me open our schedule see what we have available.

utterance: OK.

utterance: OK. Is there a specific day you were looking to speak with someone?

utterance: Yeah. I'm, you know I'm not really too worried about the day. We can do like maybe next Tuesday, ten o'clock or whatever. I'm more worried about the the product. And this package that I wanna sign up for, I wanna sign up for the .

utterance: Is this the the white package?

utterance: Oh, are you speaking about our platinum card?

utterance: Oh.

utterance: What the fuck, Mari. Yes, platinum card yeah, I'm sorry. that's what I wanna sign up for.

utterance: Yes. We can have someone speak with you about that when you speak to the tax specialist.

utterance: nice, lovely.

utterance: OK. So you said next Tuesday around ten a.m. is when you were hoping for.

utterance: Yeah. That that works, that works. Will you be there?

utterance: OK.

utterance: I will not be there on Tuesday.

utterance: OK. Well that that should be fine.

utterance: OK. Let me see.

utterance: OK, so we have one on Tuesday at ten fifteen. Does that work?

utterance: A OK, my friend.

utterance: OK, great. I'm setting you up next Tuesday at ten fifteen and you will be speaking with Bob James.

utterance: Bob James, great name. All right. Thank you so much, have a blessed day.

utterance: You too.

utterance: All right. Go hook them.


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

utterance: Yeah. So you guys keep mailing me all of my statements to our old business address and it takes them like two months to get forwarded to me. I've changed it before but I don't know what's taking it so long. I It seems to take forever for it to get to our new address though and I'd really like it to get worked out if possible.

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

utterance: It's Jill Baker.

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

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

utterance: I I mean I've called twice about this so I don't know what the deal is. It it seems as if you don't ever really get anything changed in the system and so it keeps just it keeps sending my mail to the wrong place. It's very aggravating.

utterance: All right Jill. So I'm very sorry about the issues you're having but let's take a look and see if we can get this the address updated for you and make sure it's updated. OK?

utterance: OK. I appreciate it very much.

utterance: OK Jill. So I just need to verify some account information for me to get that done. OK? So what type of account do you have with Intellibank?

utterance: It's a business checking account.

utterance: OK and what is your account number?

utterance: So the account number is eight three seven two two seven two zero one zero.

utterance: OK and would you mind telling me the name of your business Jill?

utterance: Yeah. So that's Johnsons Controls.

utterance: And Jill what is your date of birth?

utterance: It's March second nineteen eighty.

utterance: And the city and state that you're in?

utterance: I'm in Kansas City, Missouri.

utterance: And what is your street address?

utterance: So my street address is five one nine Hooton Road, Kansas City and the ZIP code's seven three eight two zero there.

utterance: All right and can I also get your social security number please?

utterance: Yeah so that's seven three eight zero seven eight three.

utterance: OK and what is the PIN number for your account?

utterance: That that's what ye- they use for security purposes so do you happen to have that information as well?

utterance: Absolutely. Of course. So it's three eight two zero.

utterance: All right and I just can you just verify that previous business address that you you were using on the account?

utterance: Yeah so the previous address was four seven three eight Hampton Road and it was Kansas City, Missouri as well but that's not where we're at anymore.

utterance: OK. All right. So I still see that that is the active address. Can you tell me what the current address is for you guys?

utterance: Yeah. So it's three eight two Gusee Street and it's Kansas City, Missouri. Seven three eight two one zero.

utterance: Garsey? Can you spell that for me? Is it G U Y S E Y?

utterance: No. It's G U S E E so it's kind of like gussey but it's actually Gusee is how you say it.

utterance: All right. Let me get this updated for you, OK. And is this the address that you want all the business mail to go to?

utterance: Yeah. If you could that would be great. I mean we've been getting we haven't been getting anything from you all.

utterance: OK I'm s- I'm very sorry about that Jill and we obviously wanna make this right for you. Gimme just a moment. OK? I'm gonna get this updated and then I'm a make sure that it's correct this time so that you don't have to have to worry about it. It'll get changed and I'll get a confirmation of that account change sent over to you too so that you can verify that it's been changed. OK?

utterance: Thank you. That be perfect.

utterance: All right Jill. What is your email address?

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

utterance: All right. So I've got that address changed and I'm gonna send you a d- address change confirmation to your email. So I've got that sent over there to you. Make sure I've got all of that. Save me just a second. OK?

utterance: OK. So I won't get anything sent to my old address anymore then will I?

utterance: Nope. Everything will go to your current address. The one that you just provided. OK?

utterance: OK. Thank you. Is your day almost over?

utterance: Well we're open until seven so I still have a few hours left.

utterance: Oh wow! I didn't realize that you guys were open that late. That that makes for a really long night then ?

utterance: It does. It's not terribly long. I mean normally I'm up at four but so I am actually covering a co workers shift. To help them out. They've got some stuff going on and so I'm actually covering for them so I'm staying a little bit later than usual.

utterance: It gets so dark early this time of year. I mean getting off at seven might as well be like ten o'clock at night with the way that it's dark already.

utterance: Yeah. It's definitely dark that time of night now. I think it starts to get like dark around five actually so usually whenever I I leave work I don't have a lot of light before I head off anyways but it's definitely gonna be a little bit harder tonight.

utterance: I don't even like to drive in the dark so pretty much after five p.m. I'm like a homebody in the winter time so I would be awful at working til seven.

utterance: I mean I can understand that too. I don't particularly like driving in the dark either but Jill I do have that information updated for you so everything's so everything should be set to go. I sent that confirmation to you as well and that's gonna that's just a little confirmation for you le- to let you know that it has been changed but if you have access to online banking you should be able to go to the online banking account and see those changes made if you go to your account tab and from there too. So you should be able to see those account I'm sorry those address changes have been made and verified. Was there anything else that I could update on this account for you while I had you on the phone?

utterance: I mean no but could you possibly just check my phone number just to verify that that's still the same?

utterance: Yeah. You just want me to read the phone number I ha- currently have for you on file and we can kind of go from there and see if it needs to be updated?

utterance: That'd be great.

utterance: OK. So the phone number I show for you is five seven three two two one eight six five six.

utterance: That's right. That's my phone number. That's correct.

utterance: OK then. So no changes need to be made to the phone number.

utterance: No. That sounds like it's fine. As long as the address is updated I think that should be good.

utterance: All right Jill. So if that's everything I just wanna thank you for choosing Intellibank and you shall receive that email very shortly with the confirmation.


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

utterance: Hello.

utterance: I'm hoping you can help me. You see, I'm trying to get help identifying possible risks that can result in lower cash flow from my investment account.

utterance: Sure, I can help you with that. Sounds like you should make an appointment with one of our risk specialists.

utterance: That sounds like a good idea.

utterance: So how's your day going today, sir?

utterance: It's going OK.

utterance: Excellent, how's the weather there?

utterance: Weather's nice. How about by you?

utterance: Oh, can't complain. It's beautiful here in sunny South Florida.

utterance: Oh.

utterance: You getting any of that bad cold front I saw up north?

utterance: Yes, it's freezing.

utterance: Mm, I can't complain about my weather, ha ha ha ha ha. Anyway, sorry about that, may I please have your name and date of birth?

utterance: It's Alexander Lopez.

utterance: Thank you, Mr. Lopez.

utterance: May I have your account number, please?

utterance: You want, my birth date is six six six two.

utterance: Oh, I apologize. Thank you for that information. That was six six six two?

utterance: Yes.

utterance: Thank you, sir. And your account number?

utterance: Hold on.

utterance: Sure, not a problem.

utterance: OK.

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

utterance: Thank you, sir, for that information. That was two six seven one five three two eight?

utterance: Yes.

utterance: And the PIN number please?

utterance: Six two six two.

utterance: Six two six two.

utterance: Oh, I do apologize, sir, my system is doing an update at the moment. Give me one second, OK?

utterance: Sure.

utterance: All right, sir, sorry about that. what date would you like that scheduled for?

utterance: let me look at my calendar here .

utterance: Sure. Absolutely. Not a problem. Take your time, OK?

utterance: eleven ten, please, if possible.

utterance: Let me just check the computer for you, OK? One brief moment.

utterance: yes sir. We do have that date available.

utterance: Great.

utterance: And around what time would you prefer?

utterance: One p.m..

utterance: One oh clock in the afternoon on eleven ten?

utterance: Yes.

utterance: Absolutely. And would you prefer this appointment to be in person, or online?

utterance: In person.

utterance: In person.

utterance: Yes.

utterance: And can I just get your ZIP code, sir?

utterance: Three three three zero eight.

utterance: That was three three three zero eight?

utterance: Yes.

utterance: Thank you, sir. I just want to make sure we get you to the right location.

utterance: OK, great. You're all set. You're gonna receive an email confirmation with that, as well. we'll see you on, at the three three three oh eight location on the at one p.m. on the tenth, OK? You have a great day, sir.

utterance: OK. Thank you. Thank you for your help.

utterance: Thanks again.

utterance: Thanks again for calling Intellibank. You're welcome. Bye bye.


utterance: Thank you for calling Intellibank, my name is Wendy, how may I help you today?

utterance: Hi a friend told me I needed a notary. do you know what a notary does?

utterance: Sure do you have an account with us?

utterance: Yes I do.

utterance: OK. Let's pull your account up and then I can go over what a notary does with you.

utterance: OK.

utterance: What's your first and last name please?

utterance: it's Tammy Couch.

utterance: And your date of birth?

utterance: May ninth, nineteen sixty.

utterance: And your address and phone number?

utterance: My address is eighteen thirty-five Rice Boulevard Fairborn Ohio four five three two four. And my phone number is nine three seven, five three two five five seven nine.

utterance: OK. And your social security number?

utterance: My social security number is two six nine, six eight, four three seven three.

utterance: And your driver's license number.

utterance: It is F like fam, T like Tom two eight zero eight eight one.

utterance: OK. And what state was that issued in, please?

utterance: Ohio.

utterance: great, thank you. And your customer PIN number?

utterance: let's see. It's zero seven. I'm sorry, it's five seven zero, seven seven one.

utterance: thank you. so a notary, is a person that can certify legal documents.

utterance: OK.

utterance: So if you have a letter that you want certified or or some type of legal contract and.

utterance: Act~.

utterance: Actually I need my my auto title notarized.

utterance: Yes, that is one of the things they can do. They can certify deeds of of ownership, and also certify titles which is same thing as a deed of ownership.

utterance: OK.

utterance: so you want to sign up for an appointment with them?

utterance: yes, what do you have available?

utterance: OK. So I can get you in tomorrow if you'd like?

utterance: OK, what time?

utterance: well it. Would you rather have an online appointment or in person? I guess for a notary you would need an in person appointment.

utterance: Yes.

utterance: OK. So how about two p.m. would that work for you?

utterance: That'd be fine.

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

utterance: can you tell me how, I can order cheques?

utterance: oh sure. So do you have our online banking?

utterance: yes I do.

utterance: OK. so you would go into online banking, log in, and under the order tab oh I'm sorry, the appointments tab. You would click on appointments and then you would click on notary and it would tell you what appointments you have available and what appointments you have already set.

utterance: Mhm.

utterance: OK.

utterance: How does that sound?

utterance: Will it show my two o'clock appointment tomorrow?

utterance: It will after we hang up with this call.

utterance: OK.

utterance: And then if you wanna make another appointment or change that appointment, you would just click on that appointment date and time.

utterance: OK.

utterance: How does that sound?

utterance: That sounds fine.

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

utterance: can I correct my phone number? I gave you the wrong number.

utterance: Oh. Absolutely.

utterance: it you ready?

utterance: Oh yeah, go ahead with the new number.

utterance: It's nine three seven eight seven nine seven two oh five.

utterance: Great. Thank you. So I have nine three seven eight seven nine seven two zero five.

utterance: Yes.

utterance: The the weather sure is nice here today, what is it like at your place?

utterance: oh it's it's pretty yucky here, it's storming and and warm and muggy.

utterance: Where you at?

utterance: In California.

utterance: Oh. I see.

utterance: it's it's pretty nasty here. Ohio's weather is a a little bit better during this time of year than ours.

utterance: Yeah but it sometimes is pretty cold.

utterance: Yeah. That's true.

utterance: Can you hang on a minute? I gotta get the door.

utterance: Sure.

utterance: OK, I'm back.

utterance: OK.

utterance: I have one last question.

utterance: Sure.

utterance: What other type of appointments can I make online?

utterance: Oh sure. Well you can make an appointment for a financial advisor for a loan officer for a teller, a private teller to help with transactions that might be more money than you wanna take into the bank alone.

utterance: OK.

utterance: you can also set up a notary like you just did.

utterance: OK.

utterance: I think that's it. I think that's that's the big ones.

utterance: OK.

utterance: No. But I appreciate all of your help.

utterance: All right. Thank you. You have a great day.

utterance: Thank you. bye bye.

utterance: Bye bye.


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

utterance: Yes, I got something about my business gold card in the mail. and I'm calling because I wanna know what it's about? I was looking to here about a credit limit extension I hadn't heard anything. So can you tell me what this is about?

utterance: Absolutely! Happy to help you with that ma'am. thanks for calling us today. If you would do let me just see if we can get this pulled up for you and I can help you out. But before I do, I'll just need to verify some information on your account. Is that all right?

utterance: Yes.

utterance: OK ma'am. And if you would, let me know what is your first and last name?

utterance: Evelin Richards.

utterance: All right and Ms. Richards, you said you had a business gold credit card account with us?

utterance: Yes.

utterance: OK and if you would, let me know, what is your business gold credit card number?

utterance: OK. The number is four four seven nine six five three two seven four four six three nine two six.

utterance: OK. That number is four four seven nine six five three two seven four four six three nine two six. Is that correct Ms. Richards?

utterance: Yes, that's correct.

utterance: All right, yes. And just one last question here, if you would. what is the PIN number that you have for your business gold credit card?

utterance: One oh one seven.

utterance: OK. Yes ma'am. Let me see if I can pull this up and answer the question here for you. on the accounts and how's everything going with you today, Ms. Richards?

utterance: Yeah everything's going fine today. you know I had to do some car repair on one of my vehicles. So, you know I had to get it in the shop to get that. Though engine light came on so I went and got that taken care of.

utterance: OK, yes ma'am. Well, I certainly can understand wanting to get that handled because it you know in the city that you're in, it's pretty difficult not to be able to have reliable transportation.

utterance: I agree. I cannot be without that.

utterance: Yes ma'am. Yes ma'am. Well. Yes! I just reviewed your account and yes, you're correct. We did send you a notice in the mail. and it appears you're correct. our credit department attempted to reach you and they attempted to give you a call, and they were unable to reach you. That's why they sent the notice in the mail so that they can inform you of the decision on your credit limit increase extension.

utterance: Oh yeah! That's right. I I got a new number .

utterance: OK, yeah not a problem! Sure. what I could probably suggest you do here is what we can do for you is actually just update your phone number. So that we can make sure that we have the correct number on file. And once that's done that'll be input into the system and our credit department will then be able to reach you and let you know what their decision is.

utterance: OK. Please lets do that.

utterance: terrific, yes ma'am. And if you would, just let me know Ms. Richards. What is the or well, what's the new number that you wanna add to the account?

utterance: It's six seven eight three six one eight zero three one.

utterance: OK. The number you said was six seven eight three six one eight zero three one, is that correct Ms. Richards?

utterance: Correct.

utterance: All right, terrific! I've gone ahead and input that into the system, as you've requested. And now, that that we have the correct number on file that will be added to your account. And likely what will happen is, is I'll send a note as well to our credit department that they can now reach you with this new updated phone number and they'll give you a call and let you know and discuss with you what the decision is on your credit limit increase request because unfortunately, that's a different department. I don't have access to whatever their decision was. that's something that they will explain to you and also may explain to you what the decision was on the amount of the increase of the credit limit or or or not.

utterance: OK. All right, well thank you very much.

utterance: Ms. Richards, let me just ask. is there any other questions that you may have?

utterance: No.

utterance: No? If not, well. Ms. Richards, we certainly do thank you for giving us a call and I'm glad we were able to address this particular concern and of course feel free to give us a call again if you have any further questions.

utterance: I sure will. You've helped and answered all my questions.

utterance: Thank you again, Ms. Richards. And you have a terrific day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye bye.


utterance: Hi this is Ramona Perez at Intellibank. How can I help you today?

utterance: Oh! Oh gosh! I just I was just going through my phone and dialing numbers. I called I called Intellibank ?

utterance: Yes.

utterance: Sometimes I get that, I just play phone roulette with my cell cuz I know I need to call so many people and I make a list, I don't even get it done but if I just start calling random numbers I'm like oh I needed to do this anyway and then sure enough at the end of my day I guess I work backwards like versus other people. I know people that are like what are they called like, type A personalities, I guess I'm like type Z because I'm kind of a random dude and I spent so many times at music festivals I think over the years it fried my brain just, you know, goes on there right?

utterance: Oh! Wow. So it sounds like you have a good system in place for keeping yourself on task.

utterance: It looks like a mess but at the end of the day it works out! I'm just calling up why would I call you? Oh yeah! Yeah yeah yeah I I I was trying to get a an in an an investment report from you.

utterance: Yeah.

utterance: OK yeah. I'd be happy to go ahead and generate that for you and get that out to you today.

utterance: Mhm.

utterance: Can I start by getting your full name please?

utterance: Oh yeah. this is Theo and my last name is Rogers.

utterance: OK Theo and can I also get your birthdate please?

utterance: November twenty-second nineteen seventy-eight. OK. So I am gonna go ahead and pull up your account. Can I start by getting your account number please?

utterance: OK and that was three eight four two one seven one nine.

utterance: Yes.

utterance: OK, thank you Theo. So I am gonna go ahead and pull up your account but before I can proceed I need further I do need to ask you a few security questions for the integrity of your account.

utterance: I think I can answer those. My brain's not too fried.

utterance: OK so can I start by getting your PIN number please?

utterance: Seven six seven two.

utterance: Seven six seven two. OK great. And you might recall that when you created your account you did set up a few security questions. I'm gonna go ahead and ask you those now.

utterance: Please do.

utterance: OK. What is your mother's maiden name?

utterance: Lincoln. L I N C O L N.

utterance: OK. And what high school did you go to?

utterance: Saint Joseph's.

utterance: Saint Joseph's. OK great. Thank you for verifying that information for me, Theo. I am able to verify your account, so just give me one second to pull that up.

utterance: Yeah. I got, I got some time. How long you been working for Intel bank?

utterance: I've been working here for about three years now.

utterance: Mm. Intel.

utterance: Oh oh oh, it's actually Intellibank.

utterance: What?

utterance: Intellibank? There's an there's an I between the L and the B.

utterance: Oh did I say it wrong?

utterance: Yeah. It's OK. It happens all the time.

utterance: My bad.

utterance: OK. So I do have your account in front of me, and you said you wanted to go ahead and generate an investment report?

utterance: Yes.

utterance: OK great. And what's the best way for us to get that to you? Did you want to do paper, email or both?

utterance: Just email it to me.

utterance: Just email. OK and what email did you want that to go to?

utterance: it's Theo Rogers deluxe at Gmail dot com.

utterance: Theo Rogers deluxe at Gmail dot com. And is there anyone else that you wanted me to go ahead and send that to?

utterance: Just send it to my business email too which is Theo Rogers at ski school dot com.

utterance: Theo Rogers at ski school dot com. OK Theo and just so you know, you are able to get a free copy of your investment report every three months.

utterance: Cool.

utterance: OK so I did go ahead and send those to both of your emails so you should be receiving that by the end of the day. Is there anything else that I can help you out with?

utterance: Yeah I'm not sure about the moves I'm making, to put it briefly. So I was looking to get an appointment with one of your risk specialists down there.

utterance: OK yeah I could go ahead and set that up now. Did you wanna go ahead and do that online or in person?

utterance: I I'll go in, I'll go in.

utterance: OK. What's your ZIP code?

utterance: It's one four three two nine seven.

utterance: OK, let me check on that. So it looks like your nearest branch is gonna be the North Jones Street branch. Is that OK?

utterance: west side of town yeah that that's fine.

utterance: OK great and did you have a specific date and time that you wanted this meeting to happen?

utterance: Fridays before rush hour, what do you what do you have anything like that?

utterance: OK.

utterance: So let me check next Friday. OK so we do have one at two p.m. and another at three thirty, which one did you wanna go ahead and go with?

utterance: Oh two for sure.

utterance: OK so I have you down for next Friday at two p.m. at our North Jones Street location so you should be receiving an email shortly letting you know about your appointment confirmation. Is there anything else I can help you out with while I'm still on the line?

utterance: I think that takes care of it.

utterance: OK well thank you so much for being a loyal customer and you go ahead and have a lovely day.

utterance: Thank you.


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

utterance: Hey, Maya. How're you doing today?

utterance: I am doing pretty well. How about yourself?

utterance: You seemed a little unsure there.

utterance: No I no I

utterance: Like you're trying.

utterance: Convince yourself.

utterance: Well I'm actually in the office today and you know we get to work from home mostly. so it's like mostly we work from home and like once a week we come into the office. Right? And

utterance: You'd rather be back home.

utterance: No, it's. I don't. I mean I love to see my co-workers and stuff but it's just the coffee machine is broken so I'm like off. You know what I mean? Like, oh no! So at lunch time one of the other workers are gonna go and get some coffees from Starbucks, but before that I'm like oh. I'm sorry. I'm like addicted to coffee and I need it to be awake but I will help you I promise. like I'm sorry. Like, I don't wanna be annoying.

utterance: No, hey. I I believe you.

utterance: I I get it and I I don't wanna rub it in that I've already had two cups today. so yeah.

utterance: Oh, OK. I hate you. No, I'm just kidding. I'm sorry. All right, so what can I do for you today? What's going on?

utterance: This is gonna be a hell of.

utterance: A call. I can see it already. So yeah why was I calling now? Threw me. I'm I'm like. Now I'm thinking about that third cup of coffee.

utterance: I know.

utterance: Oh yeah.

utterance: Oh God. See, you see me yawning. That's terrible, very unprofessional. What can I do to help you?

utterance: Mhm.

utterance: Now you got me yawning.

utterance: Oh no!

utterance: And you had the coffee.

utterance: See that. All right so well I I'm I'm trying to double check and see why I was calling. You've got me all thrown off here.

utterance: OK. So I am a customer of Intellibank. for my business accounts and I wanted to see if it was possible for you or well it is you cuz that's who I'm talking to, but to get a a investment report on my accounts.

utterance: Mhm.

utterance: Mhm.

utterance: no, we don't do that. Can you call back tomorrow? No I'm just kidding! Ha! Yeah of course. Yeah, yeah. Absolutely. So what is your first and last name?

utterance: my name is Walter Gallagher. It's G A.

utterance: OK.

utterance: Mhm.

utterance: L L.

utterance: Mhm.

utterance: A G.

utterance: Mhm.

utterance: H E R.

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

utterance: October twenty-second, nineteen eighty-four.

utterance: OK. And Mr. Gallagher, what is your account number?

utterance: Oh. Hang on one sec.

utterance: No problem.

utterance: All right. So it is zero.

utterance: Mhm.

utterance: Eight eight six.

utterance: Mhm.

utterance: Three one seven.

utterance: Mhm.

utterance: Four five one.

utterance: So we got zero eight eight six three one?

utterance: Mhm.

utterance: seven four five one.

utterance: Correct.

utterance: OK. All right and how would you like that delivered to you? Do you want it snail mail? Do you want it emailed, faxed or we could do a combination. I could.

utterance: Do do.

utterance: People actually still get that faxed?

utterance: not really. Honestly like yeah, it's very rare.

utterance: Yeah I was. I was gonna.

utterance: I was just gonna say wow.

utterance: Yeah it's.

utterance: Really rare or like Yeah. Even to just like. Even to mail it, but I I don't mind. If you if you want us to have a hard copy mailed we could but most people, you know, they can just print it.

utterance: No. email is perfect. You know it's funny. Actually, the other day I was dealing with an older customer and was showing them an email that was sent to me.

utterance: Right.

utterance: About the the situation and they kept saying I can't believe you got the fax.

utterance: And I was trying to explain it's an email and they were. Yeah. They they couldn't understand like there was a difference.

utterance: Right right. Yeah.

utterance: I know. Like my grandpa, he has a little business that he does. It's so cute. My My dad. My grandpa he makes bird houses.

utterance: Oh nice.

utterance: And he. I I actually. My brother and I actually got him to like start we we set up a little website for him and.

utterance: Mm.

utterance: And we always have to manage it for him cuz he doesn't quite get it. I know that sounds like so. Like, I don't wanna be an ageist, like cuz my grandpa's eighty.

utterance: Right.

utterance: But like he doesn't get any of that stuff. Like he hates that. He doesn't like. If he we have to check all the emails that he gets and and things like that and you know his job is just to. He just makes the birdhouses and he's really good at it and he I mean he's so talented.

utterance: Wow.

utterance: That's amazing. So that was him. Eighty years old and still

utterance: Yeah yeah I'm gonna.

utterance: He's eighty but he's like he's just so young at heart and I'm just so blessed to have him, you know?

utterance: That's great.

utterance: But if you ever need a birdhouse, let me know.

utterance: I know where to call.

utterance: Yeah. So OK. So do So just email that to you or?

utterance: Yeah.

utterance: That'd be great, actually perfect.

utterance: All right what is your?

utterance: What is your email Mr. Gallagher?

utterance: It's W Gallagher eighty-four.

utterance: OK.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. And is the W lowercase or capital?

utterance: A

utterance: Capital.

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

utterance: That's everything.

utterance: All right. Thank you so much for being a part of Intellibank.

utterance: Thank you.

utterance: Bye bye.