utterance: Hello and thank you for calling Intellibank. This is Mitchel, how may I help you today?

utterance: Hey Mitchel my name is Paul, Paul George and you know I was wondering if I could speak to you guys today about one of my this this small financial issue I am going through.

utterance: Sure not a problem whatsoever.

utterance: do you have an account with us?

utterance: I do I do I've I've had a small business account with y'all for about eight years now and you know this is the first time I I'm reaching out to you guys about this, I feel a little ashamed honestly but you know it's it you know I've been doing my own taxes for the past eight years really you know but ever since you know California's you know installed all these new laws and everything. A B five you know all these you know exemptions and everything I'm just like I don't you know what's going on you know there's too many changes so I feel like I need to.

utterance: Figure out to maybe how to restructure my company and along with that how to best adjust you know the money coming in and out of my bank account with your guys. So I don't know I don't can you what do you think, what do you think I should do?

utterance: Well I am very happy to hear that you have been a customer this long and that you have your accounts with us and I think probably your best bet is going to be setting an appointment for you to speak with a financial advisor.

utterance: OK OK that sounds great actually that's I'm kinda glad that you guys would be able to at least point me in the right direction. what do you need from me?

utterance: well first off would you like this appointment to take place in person at one of our branches or would you like to receive a phone call?

utterance: let's do phone call I you know my my wife's a little bit immunocompromised so I you know rather just sort of limit my my contact with folks nowadays.

utterance: Totally understandable and.

utterance: Let's see.

utterance: What was your full name as it appears on the account?

utterance: Paul George.

utterance: you know actually my middle name's Paul I think would I think it probably would be under my legal first name which is Albert.

utterance: OK Albert George.

utterance: And what is the last four of your social?

utterance: Last four is five six three one.

utterance: And your date of birth?

utterance: Date of birth is May third nineteen eighty-five.

utterance: All right and just need to get your four digit security PIN.

utterance: the yeah OK the security PIN I set up with you guys I think it's eight four one zero, eight four one zero.

utterance: All right great.

utterance: And what would be the best number for them to give you a call at?

utterance: the so the best number would be six two six two three two eight one four two.

utterance: That's eight one four two is the last four digits.

utterance: Wonderful.

utterance: And would you like us to send you out a reminder email?

utterance: that would be great yeah.

utterance: And can you just confirm the email address you have on file?

utterance: Yes the email address is should be Paulie George P A U L I E.

utterance: George spelled George G U G E O R G E at Hotmail dot com.

utterance: All right and what day would you like to receive this call?

utterance: Let's see so today is the the first of the month let's do maybe I I would it be possible to schedule one for the fourth in the three days?

utterance: Let me see.

utterance: Thank you.

utterance: Are you looking for something in the morning afternoon?

utterance: I think morning is best.

utterance: I could do ten a.m. on Thursday would that work for you?

utterance: Yes ten a.m. is perfect.

utterance: All right so just to confirm you will be receiving a call from one of our financial advisors this Thursday at ten a.m.. And we'll send you out a reminder email on Wednesday so that you have all the information for that call.

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

utterance: No that's it thank you so much. I really look forward to it.

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


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi. I am calling. I got a flier in the mail, and I am calling to sign up for your tax specialist services.

utterance: Of course. I'd love to help you with that. Can I start by getting your full name?

utterance: Yeah, absolutely. My full name is Randy Price.

utterance: Randy Price.

utterance: Mhm.

utterance: OK, and I'm gonna go ahead and pull up your account. Can I get your credit card number please?

utterance: One second. OK. I have it right here.

utterance: OK.

utterance: I have four four two seven four three four two zero five seven seven six one nine two.

utterance: OK. And just to clarify, that was four four two seven four three four two zero five seven seven six one nine two.

utterance: Well you're on it this morning.

utterance: OK. Great. And before we can proceed any further I just need you to answer a few questions for the security of your account.

utterance: OK. That works.

utterance: Can we start by getting your PIN please?

utterance: Yeah, absolutely. It's gonna be nine nine two two.

utterance: Nine nine two two. OK. Great. And I'm gonna go ahead and ask you a few security questions that you filled out when you created your account.

utterance: Oh gosh.

utterance: OK. What city did you meet your spouse?

utterance: Oh, gosh. One second. You know, I actually have a journal. Believe it or not, I have a journal for these things. Give me one second.

utterance: Of course.

utterance: Take your time.

utterance: All righty. This is actually quite embarrassing. I mean, she's my third wife, just to like be fair about it, but and I also had a lot of concussions in football.

utterance: Sorry to hear that.

utterance: Yeah. No, it's OK. I have this little journal for my all of my security, my password, codes. all that stuff. So I'm just kinda scrolling really quick. one second. And it's also like it's also like a loaded question. Like, we met in San Antonio.

utterance: OK. Well, did you want me to go ahead and test that?

utterance: Well yeah. No.

utterance: OK.

utterance: No?

utterance: Yeah. Yep. Test that and see if you can see what happens.

utterance: OK. Yes. OK. San Antonio was the answer.

utterance: OK. OK. Cuz we cuz we met. OK, here's our story, cuz it's really kinda cute. We met in San Antonio then we flew a plane to Atlanta for a movie premiere, and that's where we fell in love. So we kinda we kinda say that we we met in Atlanta, but technically we met in San Antonio. It's a two part loaded thing, kinda.

utterance: Oh, lovely. OK, well.

utterance: Yeah.

utterance: And then she she loves Atlanta, which is like mind-blowing, because who the fuck loves Atlanta, right? I mean. Go ahead. No.

utterance: OK, I I was able to pull up your account, so I have that in front of me. And so you were looking to speak to one of our tax specialists. Correct?

utterance: OK.

utterance: OK.

utterance: Correct.

utterance: OK. Let's see what I can schedule you for.

utterance: Have you ever been to Atlanta?

utterance: I haven't, unfortunately.

utterance: Don't. No. No. No. It's OK.

utterance: OK, and was there a specific day you were looking to speak with someone?

utterance: Yeah, I'm. You know, honestly, this is priority for me. I'm open. what's the earliest that you have available?

utterance: OK, let's see.

utterance: Let's go ahead and knock this.

utterance: Off.

utterance: We have one available tomorrow at eight thirty a.m..

utterance: Eight thirty. That's a bit early.

utterance: We also have another at ten thirty.

utterance: That's a bit later. Yeah eight eight thirty should be fine.

utterance: OK. So I'm gonna set you up at eight thirty. And were you looking to have this conversation online or were you looking to come in?

utterance: Are you all following covid protocols pretty harsh?

utterance: Yes, we are. We require everyone to be masked.

utterance: Do you require everyone to be vaccinated?

utterance: all of our employees are vaccinated, but we are not requiring our customers to be vaccinated at this time.

utterance: OK, then I can do it in person cuz I haven't I haven't gotten the vaccine yet. Just kinda testing it out.

utterance: Of course. so what is your ZIP code. I'll set you up with your nearest branch.

utterance: yeah. The ZIP code is gonna be nine oh two oh one.

utterance: Nine oh two oh one.

utterance: Yep.

utterance: OK. And you're gonna be set up with our Larchmont branch.

utterance: OK, that's fine.

utterance: OK. So I have you down for eight thirty at our Larchmont branch. All you need to do is show up with your ID and let our front desk know that you have an appointment already scheduled.

utterance: I think that works perfect.

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

utterance: No ma'am, that is it. You've been a great help and God bless you and have a good day.

utterance: Oh, thank you. You as well.

utterance: Awesome.


utterance: Hello. My name is Elise, and I thank you so much for your call to Intellibank today, where customer satisfaction is our number one priority.

utterance: How may I help you today?

utterance: Elise, I I have a, a loan from my company a few years back. Paid that one off.

utterance: And now, we're looking to do some more expansion. And I've heard about the S B A seven A loans. And that Intellibank has those. And I wanted to apply for that.

utterance: OK.

utterance: Do, can I do that over the phone? Or does it need to be an online thing?

utterance: I could.

utterance: No.

utterance: You can do it online, but you can do it right now with me, and it will be five minutes or less.

utterance: OK.

utterance: And I would like to recommend the S B A loan right now, especially with everything that's happened with the pandemic.

utterance: It's.

utterance: The S B A's are the best way to go. The interest rate is only two percent.

utterance: They can go for up to ten years, and there is no penalty for paying off early.

utterance: OK.

utterance: Yeah.

utterance: All right. So would you like to go ahead and proceed with this?

utterance: Please, yes. If we can.

utterance: Great! May I get your first and last name?

utterance: My name is Steven Anderson.

utterance: Is that with a V or P H?

utterance: That's with a V.

utterance: OK.

utterance: Thank.

utterance: You for asking.

utterance: Sure.

utterance: Anderson with an O.

utterance: A N D E R S O N?

utterance: Yes.

utterance: OK. Very good. And what is your address, please? Your home address?

utterance: My home address is six one eight nine, Westing House Lane, Los Angeles, California. Nine zero six zero three.

utterance: OK. Terrific.

utterance: And your social security number, please?

utterance: Two zero seven six zero five five four three two.

utterance: Five four three two. Great.

utterance: Not made up.

utterance: I promise.

utterance: Oh, I believe you. OK. And your driver's license number?

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

utterance: OK. Just loading this into the system. All right. And, Steven, what is the best email address to reach you?

utterance: You can reach me at S A at teach dot com.

utterance: At teach dot com. OK. And approximately what year did you establish your business?

utterance: Teach was established in nineteen ninety-eight.

utterance: Oh my goodness! OK. That's great.

utterance: And, what would you say your gross annual sales were for last year?

utterance: Sales hit about a hundred and fifteen thousand, last year.

utterance: OK.

utterance: Great. And your tax ID number, please?

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

utterance: Four two nine five. Great. And the address where your business is located?

utterance: That will be at seven seven eight nine Elm Street, Los Angeles, California.

utterance: Nine zero eight zero five.

utterance: OK. Very good. And is your mailing address the same, or do you have a different mailing address?

utterance: It's the same. Shipping and, yeah, shipping and mailing, it's the same.

utterance: OK.

utterance: OK, great. All right, so Steven, as I was telling you, the terms are up to ten years.

utterance: So how long would you like to carry the loan, and what amount would you like to apply for?

utterance: Now you you said there, there were ten year terms. Is there a pre-payment penalty if I pay it off in say seven.

utterance: No.

utterance: No, as I was saying, you can apply for the loan for up to ten years.

utterance: The interest rate is fixed at two percent, and there is no penalty if you pay it off in advance.

utterance: OK.

utterance: Then ten year term.

utterance: OK.

utterance: Let's do eighty-five thousand.

utterance: Eighty-five thousand. OK. So eighty-five thousand dollars at the ten year term.

utterance: All right. And then, if you are approved, there will be a down payment due immediately between five to twenty percent. You'll have forty-eight hours to pay that. How much would you like to put down?

utterance: Ten percent.

utterance: Ten percent. OK. Very good.

utterance: All right, and since you are also our business total checking account member, if you are approved, you can have that funneled right into your checking account. And I do have the routing number already available.

utterance: Would you like to have the funds deposited there?

utterance: Yes.

utterance: OK. That's all we need on our end. I have finalized the account on my end, or the account application, and now I just generated an email to you with a link to this application.

utterance: And a separate link to upload two photo documents, one of your tax ID.

utterance: And one of your driver's license. Once you do that, your application is complete. Is there anything else I can do for you, sir?

utterance: No. That was great.

utterance: OK. Perfect, well thank you so much for calling Intellibank, and have a great day.

utterance: Thank you, you too.

utterance: Bye bye.


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

utterance: Yes so I need to see about getting a business loan.

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

utterance: I'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 what type of loan are you wanting to apply for today?

utterance: So I'll kind of explain what I'm trying to do is so I'm trying to buy a second business location and I've found a beautiful property in it's really close to my kids school so we decided do we wanted to expand but I'm not really sure what the best thing for us to do is.

utterance: All right Jill. I can totally understand that. Are you currently a customer with Intellibank?

utterance: Yes so that's why I called because I have all of my business accounts with Intellibank.

utterance: OK Jill so let me kind of go over a few options that might work for ya. So we have the S B A five oh four loan which is specifically for the purchase of real estate purchase for business purposes with that five oh four loan the government assumes some of the risk for the loan so it's easier to get approved than other loans and it has some better terms and some lower interest rates than normal business loans than a normal business loan. There there are some requirements that your business will have to meet to qualify for this loan but but again if you qualify for it it's got some significant significant benefits to it. Then we also have our Intellibank real estate loan and just like the title this one is specifically for the purchase of real estate and and it has competitive interest rates, some variation in terms the real estate operates different from a standard loan because the property being purchased could be repossessed should the loan go into default. But again that loan is specifically. It doesn't have any kind of government assistance and it's specifically through Intellibank so there are some there are some perks as far as the interests information is concerned because you're an Intellibank customer.

utterance: So can you tell me what the loan criteria is on the five oh four is that strict? and on the real estate was the what is the interest rates on that one?

utterance: OK so on the five oh four you do have to meet certain business and income requirements to be eligible for that loan and they they are pretty strict at any time. It's a government loan there are there are some strict settings that are put in there on the real estate loan the interest rates do vary. They go from about nine point two percent to twenty-one percent and we consider a variety of factors before determining that interest rate though and since again since it is an Intellibank real estate loan we do have some flexibility as far as just reliability on what we find in your account findings.

utterance: OK so I think I'd probably rather do the real estate loan. I'm not sure I qualify for the other.

utterance: OK I can get some information from you to get an application processes. Is that you wanna go ahead and do?

utterance: Yes I wanna apply go ahead.

utterance: OK what is your account number Jill?

utterance: Can you hold on one second while I look that up. Give me just one moment OK? It's so it should be about here OK so that's three four six zero two nine nine eight.

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

utterance: The business name is Johnson Controls.

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

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

utterance: OK Jill and for security purposes this account does have a four digit PIN number on it. Could you share that PIN number with me?

utterance: Yeah that should be six four seven eight I believe.

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

utterance: I'm from Kansas City Missouri.

utterance: OK and what is your street address in Kansas City?

utterance: It's five three nine Lutin Road ZIP code seven three eight two zero.

utterance: OK and what's your social security number Jill?

utterance: That's seven three eight zero two zero seven eight three.

utterance: All right Jill just have a few more questions for ya what is your drivers license number?

utterance: It's M zero nine three seven zero zero two zero. it's a class C license too. I don't know if you need that?

utterance: Yeah you're driving class won't be necessary but I will need to know the state the license is out of.

utterance: It's a Kansas license.

utterance: OK Jill let me ask you are you the only owner of the business?

utterance: Yes so I'm the only owner but I I had a partner years ago but we separated from the business I think in like two thousand and five so he hasn't been around since then.

utterance: OK and when did your business open?

utterance: It opened in August of two thousand and five.

utterance: OK and what does your business gross annually?

utterance: Annually last year twenty twenty I believe we made five hundred and nine thousand I believe.

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

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

utterance: OK and Jill what's the address of the business?

utterance: The address is eight three seven two that's Hillshire Way Kansas City Missouri and zip eight three six seven two.

utterance: OK Jill and can I confirm an email address for you?

utterance: Yes so my email's J Baker J as in Jill Baker at Johnson's controls dot com.

utterance: Thank you Jill and do you receive your mail from Intellibank do you receive that at the business or at your home address?

utterance: I receive pretty much everything at the business so I'm I'm positive it goes there.

utterance: All right Jill and just to confirm what are you seeking a loan to buy this property for?

utterance: I mean it's just a property that I'd like to buy to expand.

utterance: OK and what is the address of the property you're looking at?

utterance: So that address is eight three four seven West Buckley Road. That's also Kansas City and it's three four eight four nine.

utterance: OK Jill and do you know what this property is currently listed at or how much you're looking to borrow?

utterance: So the property's a hundred and ninety-one thousand so that would be what we need to borrow as well.

utterance: OK and are you putting be putting anything down towards the loan?

utterance: I could probably do like five five percent I believe.

utterance: Ok so five percent would be about nine thousand five hundred is that what you're saying you could put down?

utterance: I could probably just put down an even ten. Can we say ten thousand? I'll just put an even ten thousand down.

utterance: All right Jill and what term are you looking for?

utterance: So at a hundred and ninety thousand I'm thinking like maybe twenty twenty-five years if possible.

utterance: Yep we can put that down. Jill I think that's everything I need to know. If you have a few minutes I'm just gonna go ahead and run this through and see if I can get you a preapproval. Give me just a few moments OK?

utterance: OK it's no problem.

utterance: All right Jill so I did get that preapproval for you. so what I'm gonna do now is I'm gonna email you a link to our loan portal it's gonna have a list of documents documents on it that I'm gonna need for you to provide once you access that email if you can upload those required documents there then a loan agent will reach out to you to assist you with the loan process I do you know do wanna let you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be verified. Did you have any questions regarding that?

utterance: No I didn't. So you said you'll send me an email with all that information?

utterance: Yep I'm gonna send that email right now. So whenever you get a chance just look over those documents get those documents uploaded to the to the portal and we'll get everything set up and somebody there to review them and call you back. OK?

utterance: OK thank you.

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

utterance: No that was everything. I appreciate it.

utterance: No problem Jill. Thank you for choosing Intellibank. You have a great day.


utterance: Hi this is Robin Forsyth at Intellibank, how can I help you today?

utterance: Hi Robin, this is Lora Garrett and I'm calling because I received a email that recommended I change my pin once every six months, its been about seven.

utterance: OK yeah, I would be happy to help you change your PIN today. so I'm gonna start by pulling up your account. And you said your full name was Laura Garrett? Is that L A U R A?

utterance: No, no, It's L O R A.

utterance: OK, sorry about that. L O R A. And Garrett, would you mind spelling that for me?

utterance: Sure, G A R R E T T.

utterance: G A R R E T T. OK, and so can I go ahead and get your birthday and your pin number please?

utterance: Yeah, it's it's December seventh nineteen eighty-four, and my pin should be four three two one.

utterance: OK, December seventh nineteen eighty-four and pin four three two one. OK Lora, I am going to go ahead and pull up your account, but before we can proceed any further, I do need to ask you a few security questions for the safety of your account.

utterance: OK.

utterance: Can I start by getting the last four digits of your social security number?

utterance: my social security number, do people normally memorize this?

utterance: sometimes but, sometimes people just keep them like in the notes section of their phone.

utterance: Yeah, I, I think I have the card in my wallet OK, I've got it, it's three three four one.

utterance: Three three four one, OK. And when you created your account, you set up a few security questions, I'm going to go ahead and ask you those now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: it's Johnson, J O H N S O N.

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

utterance: I went to Rosita High School.

utterance: OK. OK Lora, thank you so much for verifying that information for me. I am able to pull up your account, so give me just one moment please.

utterance: Great, thank you.

utterance: OK, I am currently in your account and let me see, let me go to your pin, it looks like it was five five one three? Did you, you wanted to go ahead and update that, right?

utterance: Yeah do you have any recommendations for a secured PIN number?

utterance: I would say, don't don't use anything like your birthdate for sure. or your, or your address, so you know, any other random number that you can memorize or write down somewhere, that, that will do just fine.

utterance: OK, is there like this is your, does the system have like randomly generated pin?

utterance: unfortunately, we don't have a random pin generation but it is only four digits, so whatever four digits you think are best.

utterance: OK, I mean, is, is there any way to just link it to my phone, I know some other places have it so that way you don't even have a password, you just link it to your phone number and they give you a text every time you need to log in.

utterance: Unfortunately, we do not have that capability right now, I do think it is a great idea though and I can create a note in the system that you suggested that.

utterance: OK, yes please. Could you just create a suggestion?

utterance: Yeah, yeah, I'd be happy to do that, I think, I think that's a great idea. OK, so I am making a little note, OK great, so I did do that. What did you wanna go ahead and make your four digit pin number?

utterance: well, I guess the time right now is eleven thirty-four, so let's just go with eleven thirty-four.

utterance: OK, I am changing it right now to eleven four. OK, so I did go ahead and change it in the system. You should be receiving a email from us, sometimes it takes a few minutes and other times it takes a few hours so, if you don't get it right away, don't, you know, don't be too scared. But if a few hours have passed and you still don't have a email in your inbox, I would go ahead and check your spam folder. But basically, that email is just gonna say, you know, it's a notification saying that you did change your PIN for security reasons, and you are good to go. So next time you log in online you can use the new PIN, the old PIN is not gonna work anymore.

utterance: OK, so I should wait until I get the email to log in?

utterance: no, you should be able to log in online immediately, because like I said, I did change it in the system, so you should be good to go.

utterance: OK, thank you.

utterance: Is there anything else that I can assist you with while I'm still on the line with you?

utterance: No, I don't think so.

utterance: OK Lora, well thank you for being a valued customer, you have a lovely day.


utterance: Thank you for calling Intellibank. My name is Herus. May I help you?

utterance: Yeah, I am having an issue and I really hope you can help me with this. I'm not sure exactly what you can do but I wrote a check. Sent it out yesterday and I found out today that I wrote it for way over the amount that I was supposed to write it for.

utterance: Mhm.

utterance: what can we do about this?

utterance: Well I'd be happy to take a look sir, if you can give me your last name?

utterance: yeah it's Hudson.

utterance: Mm OK. H U D S O N.

utterance: Yep.

utterance: What's the first name as is listed on your account?

utterance: Greg.

utterance: G R E G?

utterance: You got it.

utterance: OK excellent Mr. Hudson. Can you please give me your pin number?

utterance: Oh sure it's five four eight three.

utterance: Mm OK. Perfect and.

utterance: I can't.

utterance: Believe I did this.

utterance: I barely

utterance: Write any checks anymore period. And then this happens.

utterance: Yes. Sometimes I feel I have a harder time writing checks then when I used to do it all the time.

utterance: Yep.

utterance: I have to remember how it's done. it's been a while but all I need. Just one more thing is a security question for your. For your safety and your protection. Is just. Can I please get your birthdate?

utterance: Oh sure it's four eighteen seventy-six.

utterance: Excellent. Thank you and this was a check from your checking account, Business Checking. OK. You know you're. Can you please tell me which number check it was?

utterance: Yep.

utterance: Oh yeah. It was three ninety-eight.

utterance: Mm OK. Number three ninety-eight. how much was the check for?

utterance: it was for eight thousand dollars.

utterance: And what was the intended amount?

utterance: Eight hundred dollars.

utterance: So you just added an extra zero or someone else added an extra zero?

utterance: No this is all me. I can't blame this on anybody else. This I thought the balance was eight thousand.

utterance: Uh-huh.

utterance: But it turns out that the balance was eight hundred.

utterance: Well that's actually a good thing so.

utterance: And

utterance: Yeah as long as. As long as they don't cash this thing.

utterance: Well, they already did and that's why we have to cancel it right? Or does it? It hasn't yet?

utterance: Well I just mailed it yesterday. So I'm. usually it takes two three days to get there.

utterance: OK.

utterance: So I'm hoping that we can put a stop to this before it actually gets into their hands.

utterance: Sure no problem ave you alerted them of your mistake and that you'll be sending another check and not to cancel this?

utterance: No. First thing off I called you guys. Because I wanted to make sure it was stopped.

utterance: OK.

utterance: OK no problem. It's a simple thing on our end. So we can cancel this since it hasn't been deposited. That's always a way bigger issue. is having to deal with that. so it's great that it's still in the mail. We can just put. Make this. This check will now be void. so as long as before they receive it and try to deposit it. Then it'll be no problem. If they try to deposit it, it won't work and that might get you into trouble or whatever so.

utterance: Great.

utterance: As long as they can't deposit this thing, I'll take care of the rest.

utterance: Great. It is not a problem. It is now canceled and this check will not be a problem.

utterance: Now the. In the future, is something that I can do online?

utterance: no sir it's. When you ever cancel a check you do have to either go into a branch or call. Just because you know we need to do the extra verification of what happened, why it happened. Cuz you know if it happens every once in a while. And again in this case it was a simple easy fix because they didn't try to deposit it or it hadn't already gone through. it's a little bit more complex if it's already cleared in their account and we have to go back and get it but since it was still on the way there, it was not a big issue but it's always better that you call us or or go into a branch to do it.

utterance: And this is all I needed to do? This is all taken care of?

utterance: That's it sir. It's again if if they would've already received it, and if we would have record in in your account that it was already deposited into their account, then we would've had a little bit more paperwork and we would've had to go and explain to their bank that you know. It wasn't. There was an error and then the bank would have to refund us the money and make sure that they still had their funds and that it may be an issue with. I don't know what this check was for. What it was being used to pay for but maybe they would have to cancel that order until they received the correct check but since it was still in the mail not an issue.

utterance: Great. Well you have been fantastic. Thank you so much for helping me with this and it being so painless.

utterance: No problem sir. Is there anything else I can help you with today?

utterance: That'll do it today.

utterance: All right. Thank you Mr. Hudson.

utterance: Thank you.


utterance: Hi, Dani Brooks, with Intellibank. What can I help you with today?

utterance: Hi so the reason for my call is because I'd like to know my net income because we're trying to qualify for an auto loan.

utterance: OK. can I get your full name please?

utterance: Yes it's Connor Davis.

utterance: Connor Davis. OK. Let me pull up your account so I can check on that for you. Can we start with getting your credit card number please?

utterance: Sure. It's it's one four five nine nine seven three two five six oh nine nine nine one eight.

utterance: OK and just to confirm that's one four five nine nine seven three two five six zero nine nine nine one eight?

utterance: Correct.

utterance: OK great Connor. OK so before we proceed I'm gonna need to verify some information just for security reasons.

utterance: Sure.

utterance: What is your birth date?

utterance: My birthday is April fourth, nineteen eighty-nine.

utterance: OK April fourth, nineteen eighty-nine.

utterance: Yes.

utterance: OK and what's the last four digits of your social?

utterance: it's five five three nine.

utterance: Five five three nine?

utterance: Yes.

utterance: OK. So I'm gonna just ask you a few security questions that you input when you created your account.

utterance: Sure.

utterance: What is your favorite book?

utterance: I. I think I I had Great Gatsby. Great Gatsby.

utterance: OK. Yes. And what was the name of your favorite childhood teacher?

utterance: OK.

utterance: Oh, oh had to have been Mr. Chadwick.

utterance: Mr. Chadwick?

utterance: Yeah. Yeah.

utterance: With a

utterance: D or a T?

utterance: Yeah so D. So G. C H A D W I C K.

utterance: OK.

utterance: He was my science teacher in sixth grade.

utterance: OK yes, that's correct. OK so I'm going to pull up your account right now just one moment.

utterance: Great, thank you.

utterance: OK I have your account pulled up and you said you wanted to check your net income?

utterance: Yes.

utterance: Did you have a specific timeframe that you wanted to check?

utterance: you could do this year. .

utterance: The whole

utterance: Year?

utterance: Yeah.

utterance: OK, just one moment. OK it looks like your net income was five hundred thousand this year.

utterance: Pretty pretty pretty good year. Pretty good year.

utterance: Yes, congratulations.

utterance: OK thank you yeah OK so I'm looking to get a hundred thousand dollar hundred thousand dollar loan. It's gonna be an auto loan. And it's gonna actually be. So I have a I have a personal account with you, but I also have a business account. So this would actually be through my my business account.

utterance: OK.

utterance: And so yeah I'm I'm hoping to probably get a car within like the next two months. So like what would be the next step?

utterance: OK well that's definitely doable just based on your net income alone you should have no problem qualifying for an auto loan.

utterance: OK.

utterance: So your first step would be to go into our online system and I dunno if you want to. There's a calculator on there that you can put in your information. Just to see.

utterance: OK. Yeah I'm I'm

utterance: I'm on there right now, is it It's under the. So I go on the profile tab and then and then do I go to is it is the the tab that that says the tag it's under the statements tab right? And then at the bottom of the statements tab there's the calculator option? OK all right so I'm I'm pulling it up all right. So then, I just input my information here?

utterance: Mhm.

utterance: Yes.

utterance: Mhm.

utterance: And then I'll. From. Based on the numbers I I plug that into the application and then I submit it and how how long will it take for you to get back to me?

utterance: OK so after you plug that in to the calculator. The calculator's just to give you an idea of what you could qualify for.

utterance: OK.

utterance: So after you do that then you would decide whether you did want to go ahead and apply for a loan with us and you can do that online as well. And once we receive that we'll send you an follow up email saying we received your application, it's in review and then after that once you're approved, we'll give you a call.

utterance: OK.

utterance: That sounds great. So yeah let's just at this point do it all online so that that's great and since I'm already logged in I'll just go ahead and fill this out right now. And if I have any more issues I'll I'll call.

utterance: OK great. Is there anything else I can help you with Connor?

utterance: No that's it.

utterance: OK wonderful. You have a good day.

utterance: Thank

utterance: You. You have a great day as well.

utterance: Thank you.


utterance: Hi, this is Jess Jones at Intellibanking. What can I do for you today?

utterance: Hi. I would like to speak with someone. I got a flyer in the mailbox and checked out everything online. And I'm pretty interested in the tax specialist services.

utterance: Of course, I can go ahead and get you set up with a meeting with that today.

utterance: OK.

utterance: OK, can I start by getting your full name and your date of birth?

utterance: Absolutely, full name's going to be Austin Chase.

utterance: OK.

utterance: C H A S E and date of birth is going to be zero nine seventeen. Hello?

utterance: Yes and what was the year?

utterance: nineteen ninety-five.

utterance: OK nine seventeen nineteen ninety-five?

utterance: Yes.

utterance: OK, I'm going to go ahead and pull up your account. Can I get your credit card please?

utterance: Absolutely. And I do not have my wallet on me. Give me one second. I'm gonna run to the car.

utterance: Of course, take your time.

utterance: OK, one second. All right. Sorry about that. OK. Credit card number. Duh.

utterance: OK, whenever you're ready.

utterance: All righty. ready?

utterance: Mhm.

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

utterance: OK, and just to confirm that's four four two six six nine four two zero five seven four six one eight two.

utterance: That's good.

utterance: OK. So, before we could proceed any further, I need to ask you a few security questions for your account.

utterance: That's fine.

utterance: Can I start with getting your PIN number please?

utterance: Absolutely. Ready?

utterance: Yes.

utterance: One two three four.

utterance: One two three four. OK, great. and you might recall when you set up your account you answered a few security question. I'm gonna go ahead and ask those now.

utterance: All righty.

utterance: OK. What instrument do you play?

utterance: Which one do I not play? let's try Which one did I play? Try the saxophone.

utterance: OK. yes. OK, great and what is your mother's maiden name?

utterance: You ready?

utterance: Yes.

utterance: OK it is Lisa Montrose.

utterance: And would you mind spelling Montrose for me?

utterance: Absolutely. M O N T R O S E. Montrose.

utterance: OK.

utterance: OK, great. Thank you for verifying that information for me. I am able to pull up your account.

utterance: No problem.

utterance: OK, and then her middle name is Lorraine. L O R R A I N E. Don't know if that matters, but

utterance: OK, so I am in your account right now I'm going to also pull up our scheduler so we can get you talking to a tax specialist.

utterance: OK.

utterance: OK, and was there a specific day and time that you wanted to speak with someone?

utterance: Yeah Friday I usually just do stuff like this. So, let's do Friday. Do you have anything available in the morning?

utterance: OK, just one moment. Let me check on that for you. OK, so I'm looking at Friday, and it looks like we have availability at eight thirty a.m. nine a.m. and nine thirty a.m.. Do any of those work for you?

utterance: Yes, I can do the nine thirty.

utterance: Nine thirty. OK, great and did you want to have this conversation online or in person?

utterance: Which one do you recommend?

utterance: I would go ahead and do it in person.

utterance: Yeah? OK. Well, we can do it in person.

utterance: OK, and what's your ZIP code?

utterance: seven eight two one nine.

utterance: Seven eight two one nine. Just one moment. OK, it looks like you're going to be going into our South Robinson branch. So I have you scheduled all you really need to do at this point is so up with your ID and let the front desk know that you have a pre-scheduled appointment.

utterance: OK. OK, gotta find my ID. No no problem. OK. That works. Is is that every everything?

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

utterance: no no. I'm looking forward to it, and thank you so much for the call.

utterance: Of course. You have a lovely day!

utterance: Thank you, you as well.

utterance: Thank you.

utterance: OK. Bye.

utterance: Bye.


utterance: Hi this is Jamie Cruise at Intellibank. How can I help you today?

utterance: Yeah Jamie, I been trying to do this online website just it says it goes through and then it's not setup and I it's actually really frustrating because so I I what I'm trying to do is to schedule a credit card payment and also a loan payment and what I thought was scheduled apparently didn't actually stick and I missed a credit card payment so I'm calling you now to make sure it actually goes through.

utterance: OK yeah I'm so sorry to hear that you're having some problems with our online portal it does happen every now and then so I do wanna go ahead and apologize for that. But I'm more than happy to help you out with both of those things today.

utterance: OK yeah I just wanna yeah make sure they're confirmed and and their in the system and and all of that.

utterance: Of course I can help you out with that right now.

utterance: OK.

utterance: Can I start by getting your full name and your date of birth, please?

utterance: Mhm. Jessica J E S S I C A Roberts R O B E R T S and what was the other thing you asked me I'm sorry?

utterance: date of birth.

utterance: Oh yes eight thirteen eight seven.

utterance: OK, eight thirteen nineteen eighty-seven. OK Jessica I'm gonna go ahead and pull up your account. Can I start by getting your account number, please?

utterance: Mhm.

utterance: Yeah it is, let me make sure I have the right thing here. OK five eight nine three four seven two four four one.

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

utterance: Mhm.

utterance: OK great Jessica I am gonna go ahead and pull up your account but before we proceed any further I do need to ask a few security questions for the integrity of your account.

utterance: OK.

utterance: Can I start by getting your PIN number please.

utterance: yes it is hold on here it would be a four digit number is that right?

utterance: Yes.

utterance: OK making sure I've got the right thing here. two two five nine.

utterance: Of course.

utterance: Two two five nine OK and you did set up a few security questions when you created your account so I'm gonna go ahead and ask you one of those now.

utterance: OK.

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

utterance: Robertson so R O B E R T S O N.

utterance: OK great. OK thank you for verifying that information for me Jessica. I am gonna go ahead and pull up your account so give me just one moment please.

utterance: OK.

utterance: OK so I do have your account in front of me and you said you wanted to start by making a credit card payment, correct?

utterance: yeah so I'm gonna schedule the credit card payment I do also wanna schedule a loan payment and yeah I just wanna triple check this time that they are in the system.

utterance: Of course I completely understand, so can I go ahead and get that credit card number please.

utterance: Yes four five eight nine six seven two three four seven eight seven five nine two nine.

utterance: OK and just to confirm that was four five eight nine six seven two three four seven eight seven five nine two nine. OK great and can I get the payment amount that you wanna pay off.

utterance: Mhm.

utterance: yeah so let me think because the other one was missed let's go ahead and do let's just do a thousand.

utterance: A thousand. OK great and can I get the the bank account number and the routing number that for the account that you want the money to be pulled from?

utterance: Yeah.

utterance: yes so the account number is four five two nine six nine two eight five three. And then the routing is three one two I'm sorry three one three five nine two eight seven six five.

utterance: OK and just to clarify that first number that account number is four five two nine six nine two eight five three.

utterance: Mhm.

utterance: OK and the routing number is gonna be three one three five nine two eight seven six five?

utterance: Yes.

utterance: OK great and what date did you want that? Did you want it today?

utterance: yeah if we can put it through today that's great, let's do that.

utterance: Yep I can go ahead and do that. OK Jessica so I did go ahead and make that credit card payment. You should be receiving an email from us shortly with the receipt.

utterance: OK.

utterance: So you said you wanted to also go ahead and make a loan payment correct?

utterance: Yes.

utterance: OK can I start by getting the loan account number?

utterance: Yeah it's five eight seven three three three two four six eight.

utterance: OK and that was five eight seven three three three two four six eight.

utterance: Mhm.

utterance: OK and so for this one I also do need to get the bank account number and the routing number. Did you wanna keep it the same as your credit card payment?

utterance: Yes please.

utterance: OK and just to confirm the last three digits of that bank account is gonna be eight five three correct?

utterance: Mhm.

utterance: Yep that's right.

utterance: OK great let me go ahead and put that in. OK and what payment did you want that to be processed I mean what date sorry?

utterance: That's OK let's do that one three days from now get the Yeah, mhm.

utterance: Three days from now. So.

utterance: January fifth?

utterance: Yeah, that'd be great.

utterance: OK great I went ahead and scheduled that for you Jessica so you should be receiving an email about that as well with your receipt. Is there anything else I can help you out with today?

utterance: No that's it.

utterance: OK have a lovely day.

utterance: Bye.


utterance: Hello. Thank you for calling Intellibank. My name is Jonathan. May I help you?

utterance: Hi Jonathan.

utterance: Hello.

utterance: Hi. I need to make a wire transfer.

utterance: OK. Sure. May I have your last name please?

utterance: Ritus.

utterance: Can you spell it?

utterance: R I T U S.

utterance: OK and what's the first name as it's reading on your account?

utterance: Jina.

utterance: Can you spell that please?

utterance: J I N A.

utterance: All right. Thank you Jina.

utterance: You're welcome.

utterance: I also need the PIN number on your account.

utterance: I don't remember my PIN number.

utterance: OK. it's a four digit code usually but sometimes six. when you first had an account with us we asked you to have a an a pin every time you would log in on a phone conversation.

utterance: No.

utterance: OK. Well there are other ways around this. So I'm just gonna have to ask you a few more security questions.

utterance: OK.

utterance: Great.

utterance: What's your company name?

utterance: Peanut Butter Pouch.

utterance: OK. Peanut Butter Pouch. And all right. I see that in our system. So I see your name there. but just to be sure it's you I need a few more security questions if you don't mind. it's for your own security. I just need your date of birth please.

utterance: OK.

utterance: June forty June twenty-seven.

utterance: June twenty-seven?

utterance: Yeah. Nineteen fifty-six.

utterance: OK. That's correct. I'm also supposed to ask you two more. Since you don't have your PIN and then we're gonna have to reestablish your pin.

utterance: OK. I know I never had a pin.

utterance: OK. Well we'll we'll set up a new one for you so the first one is what was the first elementary school that you went to?

utterance: OK.

utterance: Jonathan Leebwet.

utterance: OK. That checks out. also one of your other questions is who is your childhood best friend?

utterance: Abe.

utterance: That's partly correct. Did you you also put in the last name.

utterance: Melony.

utterance: That's right. OK. Great. So you're now into your account. would you like to set up a we we need to set up a new PIN so the next time you call it's just faster.

utterance: Oh I just like to make the wire transfer.

utterance: OK. But also if you do call back again just say that you know you don't know your PIN right away and like go go immediately to the security questions. Or if you wanna log online you can set up a new pin there.

utterance: Mhm.

utterance: OK.

utterance: I can log online?

utterance: Yes.

utterance: Oh OK.

utterance: You can you can do most things online. You can't wire a transfer online.

utterance: I cannot wire a transfer online.

utterance: Correct but you can you can adjust your pin there.

utterance: OK.

utterance: OK. so you wanna transfer and what accounts are you going to be wiring wire transferring from?

utterance: Mhm.

utterance: From my checking account.

utterance: OK.

utterance: is it gonna be a an international or a domestic wire transfer?

utterance: International.

utterance: OK. For international wire transfers there's a hundred and twenty-five dollar fee.

utterance: Oh. All right. OK. No problem.

utterance: OK.

utterance: Mhm.

utterance: So all I'm gonna need from you is whoever you're sending it to. I need to know the amount. Can you tell me that first?

utterance: Mhm.

utterance: Yes. It's seven thousand dollars.

utterance: OK. So all I need from you is I'm gonna need the routing number for the account you're gonna be sending it to and then I'll ask you the account number.

utterance: Mhm.

utterance: OK.

utterance: Do you have those things?

utterance: No.

utterance: Oh. OK. Well in order for you to make a wire transfer you're gonna need that information.

utterance: OK. Well. I'll have to get it and call back then.

utterance: OK. Absolutely. So also if you wanted to go online first and adjust your and make a PIN there and then that'll that'll speed up your next call.

utterance: Mhm.

utterance: OK. I'll do that and then just call back.

utterance: OK. Great. Just get that information then we'll be ready to help you then.

utterance: OK.

utterance: Thank you very much and.

utterance: OK.

utterance: Thank you. Bye. You too.

utterance: Have a good day. Bye.


utterance: Hello, and thank you for calling Intellibank. This is Jonathan, how may I be of service today?

utterance: Yeah hi, I'm trying to check my loan balance, but also wanna apply for a secure loan.

utterance: All right, that shouldn't be a problem at all. so to get started I'm just gonna need to pull up your account here and to do that I'm gonna need your first and last name as it appears on the account.

utterance: OK, my name is Jack Albright. It's my mother's married name. She She married a guy that not really a too impressed with but that's.

utterance: Well I'm sorry to hear that .

utterance: Yeah.

utterance: Happens to the best of us.

utterance: Yeah.

utterance: And Mr. Albright, can I please get your date of birth?

utterance: yeah, it's May thirtieth nineteen eighty-two.

utterance: Great, and what is your six digit account number?

utterance: it's six one nine four two four.

utterance: And your four digit security PIN.

utterance: One eight three two.

utterance: Great. All right, well I am in your account.

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

utterance: Mm yeah, been with Intelligence Bank for I don't know what?

utterance: I can't even remember. I.

utterance: I when I signed up for account, my cat that day .

utterance: That's actually

utterance: Intellibank.

utterance: just making sure you called the right place.

utterance: Oh.

utterance: Intelligence Bank, Intellibank.

utterance: Happens all the time.

utterance: Right.

utterance: all right. So it looks here like you're remaining loan balance is twelve thousand three hundred fifty-six dollars and twelve cents.

utterance: let's go ahead and move on to applying for that secured loan.

utterance: OK, let's do it.

utterance: So gonna need quite a bit of information from you in order to put this application in.

utterance: hope you don't mind that. so to start I'm gonna need your Social Security number.

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

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

utterance: Yeah, it's a letter B as in boy three eight six two one two nine.

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

utterance: That social.

utterance: no, your business' tax ID number. The nine digit number.

utterance: Oh oh, that's eight oh four three eight two three one nine nine.

utterance: Great, and what is your email address?

utterance: that's Jack Albright twenty-seven at Hotmail dot com.

utterance: Great, and the name of your business.

utterance: Albright Deluxe Incorporated.

utterance: Fantastic, and are you the sole owner of the business?

utterance: I have a partner.

utterance: And what is your partner's name?

utterance: That's Weldon McCaffery.

utterance: All right.

utterance: I do see that here. Thank you for confirming that, and what was the date that your business was established?

utterance: November sixth nineteen eighty-four.

utterance: And what is your business' gross annual sales?

utterance: Hundred and eight thousand dollars.

utterance: And I'm gonna need your business' address.

utterance: Two one six Jennasea Way.

utterance: Burbank, California. Nine one five oh five.

utterance: And what is the purpose for the loan?

utterance: It's just to improve the business. we wanna up our sales and branch out.

utterance: Expand our inventory.

utterance: OK. I will put down how about cashflow as the purpose? as the stated purpose. Does that sound good?

utterance: Sounds good.

utterance: And how much were you looking to borrow?

utterance: Two hundred thousand dollars.

utterance: All right.

utterance: Great. Well I am submitting this application for two hundred thousand dollars and you're going to get the results in seven to ten business days.

utterance: would you like to receive those via email or would you like a physical response mailed to your address?

utterance: Email's fine.

utterance: All right.

utterance: Well, you'll receive an email response in seven to ten business days. Is there anything else I can help you with?

utterance: That's it.

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

utterance: Thank you.

utterance: Bye.


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

utterance: Hey, Lisa. How are you today?

utterance: I'm doing very well today. How about yourself, sir?

utterance: I'm doing good. And you know I I got a couple, multiple issues so I'll feel a lot better after I get them straightened up, cleared up, and taken care of, and it'll give me a definite peace of mind.

utterance: OK, well I am here to help in any way I can.

utterance: Mm OK, so Oh, which one should we go first. Do we. let's do the easy part first this process I wanted to check a a balance on my business loan.

utterance: OK.

utterance: OK, no problem. I can totally we could start with that.

utterance: OK.

utterance: What's your full name and date of birth?

utterance: my name is Fran and my last name is Smithers. S M I T H E R S.

utterance: OK.

utterance: Mr. Smithers. Mr. Smithers, what's your PIN number?

utterance: the PIN is one eight seven seven. my birthday, so you know, it's August eighteenth nineteen seventy-seven. So you can confirm that.

utterance: Oh.

utterance: Oh, OK, thank you so much.

utterance: My social.

utterance: Actually, I don't even need that, thank you so much. You're great. Thank you so much for anticipating my needs. That's really commendable. Thank you, appreciate that but I have everything I need right now from you, except I will need the loan account number.

utterance: OK.

utterance: Mm OK, that number is it's zero eight eight six. One one seven. Oh, excuse me. One one seven, like I said, zero nine.

utterance: Mhm.

utterance: OK.

utterance: OK. All right, so you still owe on that, twenty-two thousand dollars. On that loan.

utterance: OK. Not bad. wish it was two thousand, but hey you know.

utterance: But

utterance: Still, I mean I see that you paid a lot.

utterance: Yeah. Yeah it's

utterance: You made a

utterance: A a lot of it down so you should be really proud. you're doing good.

utterance: Yeah, we're doing

utterance: We been chipping away at that stone for for quite a while, and it's. believe me, from where it started to where it is now, we've come a long way.

utterance: Yeah.

utterance: Yeah, I I commend you.

utterance: Well, all right, so speaking of coming a long way part two of this phone call is gonna be the more complicated one, so what it is is I have like an LLC and I have multiple businesses under that one LLC but I've decided to close one of those businesses off, so I wanna close up that checking account that pertains to that particular business.

utterance: OK.

utterance: And transfer the funds that are remaining in that to one of my other business accounts.

utterance: Absolutely, I can absolutely help you with that. Give me one second.

utterance: OK.

utterance: And, I'm gonna pull up my other screen. OK, what is the account number that you would like to close?

utterance: OK, the one I wanna close is zero nine.

utterance: Mhm.

utterance: one five seven.

utterance: Uh-huh.

utterance: One six six three.

utterance: OK and so the reason for the closure would be that you just wanna liquidate that that particular business. OK and and you're just gonna use the money to invest in your other businesses perhaps. OK, I just have to put a reason down. All right and do you wanna know the balance that is in there?

utterance: absolutely. Yes.

utterance: Correct.

utterance: Yes.

utterance: Please.

utterance: OK, so you have thirty thousand one hundred and twenty-four dollars and two cents.

utterance: OK, great. Great yes.

utterance: So, you want all. We'll just transfer that into

utterance: Yeah.

utterance: Yep, and close that account out.

utterance: OK.

utterance: OK, great, and so when you're ready just give me the deposit account type.

utterance: OK, it's a checking account.

utterance: OK.

utterance: And, what is that account number?

utterance: OK, that account number is oh seven one six.

utterance: Mhm.

utterance: Mhm.

utterance: Uh-huh.

utterance: Nine seven.

utterance: OK.

utterance: Four six five.

utterance: OK, I just would like to read that back to you because it. You kinda broke up a little bit.

utterance: OK.

utterance: So, I just wanna make sure I have it correct. Is it zero seven one six nine seven four six five?

utterance: Yes, that's it.

utterance: OK.

utterance: Perfect. And what is the deposit routing number?

utterance: OK, the routing number is zero zero one.

utterance: Mhm.

utterance: Six oh seven.

utterance: OK.

utterance: Nine six five.

utterance: OK, so that's zero zero one six zero seven, nine six, five. That correct? OK. All right, just give me one second. It just takes like a moment. gonna transfer that over. I'm just closing out the account. You'll get an email about that.

utterance: Correct.

utterance: OK.

utterance: Actually, let me make sure we have the correct email. What is your email?

utterance: it's F Smithers.

utterance: OK.

utterance: Nineteen seventy-seven.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: And, is that a lower case F or a capital F?

utterance: It's Capital.

utterance: OK All right. OK, so I just I closed out that account and you'll you'll receive an email. and then you'll get another email about they automatically just send you an email about online banking. You can take a look at it if you aren't interested. Don't worry about it. It just automatically goes with it.

utterance: OK.

utterance: and, all right, it looks like everything is good to go. Is there anything I can help you with while I have you on the line? Anything else Mr. Smithers?

utterance: No, that seems to be everything.

utterance: All right, well, thank you so much for being part of Intellibank, and we look forward to working with you. for many years in the future. We love our small business owners.

utterance: Have a great night.

utterance: You too, thank you.

utterance: Thank you.


utterance: Hello. And thank you for calling Intellibank, this is Georgio.

utterance: How may I be of assistance to you today?

utterance: Hi, Georgio. I am calling because I'm looking for that first asked question FAQ business documentation requirement.

utterance: For opening an account or possibly taking out a loan.

utterance: OK, no problem whatsoever. And are you an existing account holder with us?

utterance: I am.

utterance: All right. So then the first thing we're gonna wanna do is gets the info that we have on file for you. So let's get your full first and last name, as it appears on your Intellibank account.

utterance: OK, my name is Ward Parisi.

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

utterance: September twenty-first nineteen eighty-eight.

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

utterance: One one zero seven.

utterance: And what is your six digit account number?

utterance: Six oh three three nine five.

utterance: All right. Hold on a moment here, while this loads.

utterance: OK.

utterance: How's your afternoon going?

utterance: Pretty good, pretty good. I I just found out that a pair of shoes I sold in eBay were stolen.

utterance: And now I have to shoes back down. And then try to get them back to the person who originally own them. And I don't know if I'll get reimburse for them. You know what I mean.

utterance: Oh boy. That is not good. not sure you know this already but you can actually go to jail for that.

utterance: Yeah.

utterance: Yeah. I mean, I'm laughing but I mean I'm scared. I didn't know they were stolen. I bought them from somebody who said that they, you know had a hook up at some warehouse and I needed money.

utterance: You know the the Feds don't seem to care whether you knew or not, just to be completely honest with you. But OK. To continue on here so we're logged in to your account and for the FAQ required business documentation. gonna need a couple of things physically mailed in to us or brought in to one of our branches.

utterance: OK.

utterance: So we're gonna copies of your business license, copies of two years of personal tax returns, copies of two years business tax returns, and two years of year-end financial statements.

utterance: OK. So you need two semi-annual financial statements?

utterance: no. Two years of year-end financial statements.

utterance: Oh OK. Got it, got it.

utterance: Sorry, I'm still thinking about the shoes.

utterance: Oh it's no problem.

utterance: And then you're also going to have to when you're ready apply have ready your social security number, your account numbers, your driver's license or state issued ID, your tax ID number, your personal and business email, your personal and business address, your business's name whether or not you're the sole owner, the establishment date, your gross annual sales, and then your stated purpose of the loan, and loan amount.

utterance: OK.

utterance: But that's it for that? Oh. I have another question what's the current exchange rate for the US dollar to the Canadian dollar?

utterance: That is it for that.

utterance: sure.

utterance: I can look that up for you. Just give me one moment.

utterance: Yeah.

utterance: Sorry it's just loading.

utterance: That's OK.

utterance: Might have to transfer some funds to a Canadian account.

utterance: I don't think you should be talking about this on this line. They do record this sometimes for quality control.

utterance: OK. The exchange rate to the Canadian dollar is one point two four percent.

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

utterance: No. That should do it.

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

utterance: All right. Thank you.

utterance: And best of luck with the shoe situation. I'm pulling for you. bye.


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

utterance: Hi, John I need to check the balance of my commercial account.

utterance: That is no problem at all. How are you doing today by the way?

utterance: I'm doing well thank you.

utterance: Great, so I can totally help you with that. The first thing I'm gonna need is your first and last name how it appears on your account.

utterance: OK, first last name. William Gordon.

utterance: All right, and what is your four digit PIN?

utterance: Six seven four three.

utterance: And what is your bank account number?

utterance: One two four five three two seven eight five six.

utterance: that is not coming up. Can you double check the last four digits?

utterance: let me see last four digits?

utterance: Yeah.

utterance: three five six the last two are wrong. It's seven eight.

utterance: That is correct. Great. All right, I have your accounts here. are you looking for the balance of your savings or your checking?

utterance: the checking.

utterance: All right.

utterance: you know what? I'm sorry. I'm sorry. Yeah, the be the savings Look at the savings that'd be good.

utterance: All right.

utterance: I can pull that up for you give me just a moment.

utterance: How's your day been?

utterance: You know not too bad. How have you been doing today?

utterance: Pretty well, pretty well. You know long day. Gotta check on these accounts. But this is kinda what happens you know? Small business everything needs to be checked. Everything needs to be done I guess by, by me.

utterance: Totally understand that.

utterance: Always looking

utterance: For all the help I can get. But.

utterance: What what kind of business are you in?

utterance: we sell bikes and bike parts.

utterance: Oh, very nice.

utterance: Yeah, all the range of bikes we do them all. You know? We do tandem bikes which are fun that's mostly a personal thing not a big seller. But I just look at them and I just get you know flashbacks to being a kid. So Tandem bikes are a joy. We do some mountain bikes. We do gravel bikes which is sort of an in-between of mountain and regular street kinda racing bikes. We do children's bikes. We do kind of everything, anything you need we got it in house.

utterance: That's great and you sound very passionate about this. I I appreciate that. I I like a small business owner who is passionate about their business.

utterance: thank you, thank you.

utterance: I will thank you for bringing your small business over here to Intellibank and banking with us we appreciate that. I have your account balance pulled up. I it looks like in your checking you have a current balance of twenty-three thousand eight hundred sixty-two dollars and forty-nine cents. Is there anything else I can check for you today?

utterance: Mhm.

utterance: Let me see twenty thousand. I guess as we're still here love to be able to check out the the the checking account.

utterance: Oh, sure absolutely. Not a problem. let me just click over there. you've already given me all of your info. So I can access that account with no issue all right, it looks like you have twelve thousand nine hundred fifty-three dollars and one cent.

utterance: Mhm, OK, one cent wonder what that was for?

utterance: Let me see anything else I need from you today?

utterance: yeah, are you interested in hearing at all about our online services? You know as much as we enjoy talking with our clients here at Intellibank. everything that we offer on the phone you can do online without having to call us.

utterance: Oh, really? That's that's. What's the the email address so I can check that out?

utterance: Oh, you're gonna wanna go either go to our website which is Intellibank dot com or you can download our app from any of the app stores. Depending on if you have an Apple or Android device. And then the app and the website will walk you through how to setup online banking. You'll just enter your account information. It'll ask you for some security questions and then you'll be all set and ready to go and you can check your balance at any time by logging online. You can also apply for loans order checks and yeah, pretty much everything that you can do online.

utterance: OK.

utterance: That's excellent, That's excellent. Yeah, thanks for the that information. Yeah, that'll make make all this a little bit quicker on my end.

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

utterance: Oh no, you've been great. yeah let me know. Also are you a bike rider?

utterance: I am not unfortunately. But I appreciate your passion.

utterance: Well hey, no worries be sure to check us out. You got any family and friends that need a bike you know have them come by the shop. Have them check us out online. Make make something happen.

utterance: Will do. Thank you very much.

utterance: No problem. Thank you.

utterance: You have a nice day.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Christina and I will be helping you today on a recorded call for customer service satisfaction. How may I assist you today?

utterance: Hi Christina. my name's Tina. I need to apply for a line of credit please.

utterance: Hi Tina. I'd be glad to help you with that today. How you doing?

utterance: I'm doing well. How are you doing?

utterance: I'm great. Thanks so much for asking. So Tina we have several different types of loans. Would you like me to go over them or do you know which type you'd like to apply for?

utterance: I'm gonna apply for an S loan.

utterance: OK we have two different types a seven A and a five oh four. Would you like me to go over the different ones or have you done that already?

utterance: no I I'll take the seven A.

utterance: OK. all right so Tina. I'm gonna be asking you for some information to fill out your online application I'll need you to have your driver's license, your tax ID number your business address, your annual gross sales so do you have all that information handy or do you need me to hold?

utterance: No, I have it.

utterance: OK great so let's go ahead and start for your name on the application, will you be using Tina?

utterance: yes, Tina.

utterance: And the last name?

utterance: Knudson K N U D S O N.

utterance: OK like the the cottage cheese.

utterance: Exactly.

utterance: Very good.

utterance: Do you eat cottage cheese?

utterance: no I do not. I don't. I'm sorry I hope that's not a family business.

utterance: No, we're not dairy farmers.

utterance: OK all right Tina. What is the full address pardon me. Haven't had my coffee yet. What is your address? Your home address, please.

utterance: My home address is six, six, six Drystick Lane. Salem, Massachusetts six, one, three, four, seven.

utterance: All right. Thank you so much. your social security number, please.

utterance: Seven, seven, two, one, one, six, nine, zero, five.

utterance: Six, nine, zero, five great and the state the state of your driver's license where it was issued?

utterance: Massachusetts.

utterance: Great, and the driver's license number.

utterance: M, zero, six, five, seven, one, three, four.

utterance: Three, four?

utterance: Mhm.

utterance: OK, great. And Tina we'll be establishing a four digit PIN number for security purposes. What number would you like to use?

utterance: One, one, zero, five.

utterance: Great. And what is the best email address to contact you?

utterance: Tinas nails at Yahoo dot com.

utterance: OK, I haven't heard Yahoo in a while.

utterance: Yeah.

utterance: Nice. OK and Tina are you the sole owner of your business?

utterance: I am.

utterance: All right and one moment I'm just loading this into the system. And the approximate date excuse me the approximate month and date your business was established?

utterance: January of twenty nineteen.

utterance: OK and your gross annual sales?

utterance: A hundred and fifty thousand.

utterance: Thank you. I will also be needing your tax ID number.

utterance: Seven, two, nine, six, seven, one, one, five.

utterance: Very good. The address for the business?

utterance: One, two, five, nine Crow Lane C R O W Lane Salem Massachusetts one, one, five, two.

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

utterance: Twenty-five thousand.

utterance: Thank you. And the purpose of your loan?

utterance: I want to expand to waxing services, brow threading so I'm gonna need to hire employees and different types of furniture.

utterance: OK so expand business, employee payroll, supplies? All right, thank you. So Tina, I'm uploading this into the system. You will get an email address confirming this. There will also be a link to send in photo documentation of your driver's license and your tax ID number and just advising you that it'll take seven to ten days to hear your results and know that interest rates are based on credit and market rates and that will all be determined in your email. Did you have any other questions for me today?

utterance: Mhm.

utterance: No that's it. Thank you.

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

utterance: Thank you.


utterance: Hello, this is Intellibank, my name's Renee, how can I help you?

utterance: Oh hi Renee, how are you doing today?

utterance: I'm doing just fine, thank you very much. And yourself?

utterance: I'm doing pretty good.

utterance: Good, good, how may I help you?

utterance: I'm calling cause I think I have too much money in my, in some of my accounts, and I'm wondering maybe I should do something with that.

utterance: OK, well I can help you with that today, so you have some extra money in your accounts, and you would like to know what are some options that, for you to use that money and my suggestion would be to consult with one of our financial advisors.

utterance: Oh yeah, financial advisor, right, they can help me invest money, and that kind of stuff?

utterance: Yes they can. That's exactly what they do. Have you ever been to a financial advisor before?

utterance: I have not, and maybe I should.

utterance: OK well that sounds like an excellent idea. let me get some personal information from you. what is your, your name and date, date of birth?

utterance: Sure, it's Mary Williams, and my date of birth is two, twenty-six, sixty-six.

utterance: OK and for your security number, I need you social security number.

utterance: OK, just the last four, or the whole number?

utterance: The whole number.

utterance: Oh, OK, do you mind holding for just a minute? I'm used to giving my last four. I need to grab my social security card.

utterance: Sure no problem.

utterance: OK, hold on. OK, I found it, are you ready?

utterance: Yes I am.

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

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

utterance: That is correct.

utterance: Excellent. And what is your PIN number?

utterance: It's five two five two.

utterance: OK good, good. And your and you savings account number?

utterance: Sure, that is one three four, one one, zero zero eight.

utterance: Excellent, excellent. So we've confirmed all that information. So now we can go out, and we can set up an appointment how does next Monday work for you?

utterance: Oh I'm thinking I just have like too much extra money in my account, and so maybe I should invest it. You know, save it for a rainy day, in case I decide I wanna retire early, or how long I wanna work. Are they gonna be able to help me with all of that?

utterance: Oh yes we can help you with all of that. Our financial advisors are very thorough, and they will answer all of your questions for you.

utterance: And did you say appointment on Monday? Is that in person, or is that on the phone, or how does that work?

utterance: Well that's up to you. We can provide online appointments, we, that we use Skype, you can use the phone, or you can do it in person. We recommend in person, because that gives you the best opportunity to interact with our agent. with our advisor. And so does next Monday work?

utterance: yeah, next Monday would be great, and, and yes, I would definitely prefer to meet somebody in person, so what, what time on Monday?

utterance: Well do you prefer mornings or afternoons?

utterance: think morning would probably be best.

utterance: What about nine a.m.?

utterance: Oh nine a.m. would be great.

utterance: OK we can do that. And what is the ZIP code of the bank that you're going to be going to?

utterance: The ZIP code of the bank I'm going to be going to? I'm not sure which I, I'm not sure which one is closest to me.

utterance: Wh~.

utterance: OK, let's look that up.

utterance: So my ZIP code is four three two one zero.

utterance: Oh we do have a branch in that ZIP code. So let's go ahead and schedule it here. It's on the corner of Greshett and Six Mile. Does that work for you?

utterance: OK, oh OK, yeah I think I know where, right where that is. So yeah, that would be great.

utterance: OK that's in Detroit?

utterance: Yes.

utterance: OK good, good. well, that's really great. Would you like some information on online banking, as long as you're on on the phone with me?

utterance: sure, so online banking, is that like where I can see all my account balances and everything?

utterance: That's correct.

utterance: OK, and how do I sign up for that?

utterance: OK it's, it's very easy. You just go to Intellibank dot com, And there's a big green box that says online banking, start here. And you just click on that box, and it will ask if you're a repeat customer, or if you're just signing up. And you click register. And it will walk you through all of the steps that you need to sign up on your online banking and that will be available for you immediately, as soon as you finish the process.

utterance: Oh, well that sounds really easy. I think I would enjoy that. And you said nine o'clock, right? On Monday?

utterance: That is correct. Nine o'clock, next Monday, at our Grashett and Six Mile branch.

utterance: OK, great, thank you so much for all of your help.

utterance: Oh you're welcome. Have a wonderful day.

utterance: Thank you, bye bye now.

utterance: All right, bye bye.


utterance: Thank you for calling Intellibank. My name is Rebecca how may I provide you with outstanding service today?

utterance: Hi Rebecca, well first if you wanna provide me with outstanding service you can deposit an extra five hundred dollars in my account, that would be amazing.

utterance: That's that's a very common request.

utterance: Is it? Well I guess I should up it to five thousand, but I'm calling because I wanted to check and see if there was any fraud detected on my account?

utterance: Of course, I'd be glad to help you with that. may I ask your name sir?

utterance: Yes it's Paul Wilkins, that's P A U L W I L K I N S.

utterance: OK and may I get your date of birth?

utterance: Yes you can, it's nine twelve ninety.

utterance: OK nine twelve sorry just putting the information into the system. And are we talking about a checking account, a savings account, an investment account?

utterance: Of course.

utterance: We are talking about a checking account. I started that checking account, what about a year and half ago now and yeah.

utterance: OK.

utterance: I. I'm s~

utterance: Sorry to interrupt you go ahead.

utterance: No worries I just, you know, like I've come a long way. You see my balance and well I guess you don't see it yet, but I started off with twenty dollars as my initial deposit and I'm just, you know, I'm I'm just very proud of how far I've come.

utterance: Oh

utterance: Sure, sure.

utterance: I don't say that

utterance: A lot but I'm learning to, you know, give myself some self empowerment.

utterance: Oh good for you, that's good for you. We we all start somewhere and when we see progress that is a wonderful thing.

utterance: Well thank you and you know I I want you to make me a promise.

utterance: Yes Paul?

utterance: When we get off the phone you're gonna either go to the bathroom or you're gonna look at your computer screen with the black face, and you're gonna look at it and you're gonna look in the screen and you're gonna tell yourself I am successful I am a beautiful person, and I'm gonna make it.

utterance: And I want you to tell yourself that three or four times and do it everyday.

utterance: Wow Paul, are you a motivational speaker?

utterance: I am not, but I have been touched by a motivational speaker, and I'm just trying to spread the wealth.

utterance: Well I I that's that is the most wonderful suggestion I think that I have ever heard here, so thank you for that.

utterance: It's a really good thing.

utterance: No problem, no problem.

utterance: So Paul so I can further help you here, what is the account number so I can assist you?

utterance: Right the account number is one second please.

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

utterance: All right, two one seven five six four. and I see OK I see here that you have our business total account and since you said you want to look into some possible fraudulent activity, shall I start with your balance?

utterance: Yes, yes please.

utterance: OK, the balance that I see that you have on hand four thousand three hundred and ninety-seven dollars and sixty-eight cents.

utterance: yeah that's that's definitely incorrect so I guess my suspicions are correct there has been some fraud

utterance: I'm gonna have I'm I guess you guys have a fraud department right?

utterance: We do I I can direct you there. There's there's a couple of things I can do for you Paul first of all if you have any concerns and you want to change your PIN number I can help you with that today.

utterance: Yes, definitely want to do that, want to do that.

utterance: OK.

utterance: And if you also wanted to confirm the last three transactions I can let you know what those are, just to see if those match your records or recollections.

utterance: I don't think that will really be necessary since I can already tell that there's definitely money missing but yeah, I would definitely like to change my account number.

utterance: OK.

utterance: OK.

utterance: And I guess.

utterance: A as in you're you you'd like to change your PIN number? Of course. All right, I will do that for you and then I can also forward you to our fraud department so they can further assist you if you would like to do that afterwards.

utterance: My PIN number, yes.

utterance: Yes, that would be great.

utterance: All right so you're gonna hear a silence for a moment, and then what I'm gonna ask you to do is to go ahead and press the numbers that you would like into the keypad.

utterance: OK.

utterance: All right.

utterance: OK, I did it.

utterance: OK, very good and I'm not asking you for that number because it is safe and secure. So we have successfully changed your password.

utterance: Would you like any further information about taking care of your banking needs online? Or would you like me to go ahead and transfer you to the specialist at this time?

utterance: I think I'd rather yeah I'll just go ahead and speak to the specialist.

utterance: OK I will put you on hold for a brief moment, you'll hear silence, and in about thirty seconds you'll hear the next agent.

utterance: You have been great, thank you so much.

utterance: Paul, I wanna thank you. You have been wonderful to talk to and I hope everything works out well for you.

utterance: We'll take good care of you.

utterance: Thank you, I appreciate it.

utterance: You're welcome, Paul. Thank you for calling Intellibank and have a nice day.


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

utterance: Hey how you doing Jerry. My business is generating some some extra cash and I was trying to figure out What's best way I can do with that cash. Can you help me with that?

utterance: Sure. I'll be glad to see if we can assist you with that. let me just pull up your account and if I could ask what is your first and last name?

utterance: Benjamin Freeman.

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

utterance: Ray's Construction Company.

utterance: OK thank you again for that Mr. Freeman. Now for account verification purposes I'm going to ask a few questions and we do this because we do take your account security very seriously. this is for you and your business's protection. First Mr. Freeman what is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: All right. And Mr. Freeman what is the address for your business?

utterance: three six eight eight Lemms Court Smyrna Georgia three zero zero eight zero.

utterance: All right thank you for that, and what is a phone number for your account?

utterance: That number is seven seven zero two two zero five eight five nine.

utterance: OK and Mr. Freeman what is your checking account number with us?

utterance: oh that check account number is seven nine eight six eight nine one two.

utterance: All right, and a final question for verification purposes Mr. Freeman is what is the PIN number for your account?

utterance: Oh that that PIN number will be one seven nine five and shoot. When I was coming today and stop at the red light and that car. There's a car shot straight through the light. Oh, they must have been in a super hurry to get to work. don't know why, but they almost got T-boned.

utterance: Oh wow, that that sounds awful.

utterance: Yeah it is awful. This, this. Don't want to be at the scene when it happen.

utterance: Well thankfully it didn't. It sounds like you know they just got by, but you know people nowadays, particularly during the holiday season, have to be extra careful out there on the roads.

utterance: Yeah you got little bit of everybody out there driving that shouldn't be driving.

utterance: Well I mean I guess if we live long enough we'll vision and see the vision of Elon Musk with his driverless cars soon enough.

utterance: Oh yeah Oh yeah. I I'd like to see the flying cars when they come if it's possible.

utterance: Well there you go. I guess one step at a time but you know with those cars where the drivers aren't needed maybe that'll cut down on some of these frankly reckless and dangerous drivers.

utterance: Yeah they got to make sure they are programmed correctly. somebody got to make sure the computer don't go out and the chips are still good and that. They going be wrecking.

utterance: Valid point as well, valid point as well. But you know I guess that's what makes Elon Elon. He tends to. When he invents something or thinks of something he generally gets it right.

utterance: Supposedly.

utterance: We shall see.

utterance: Yeah.

utterance: Now I was able to verify your account here Mr. Freeman for your business total checking account, and I know that you mentioned that your and your business is generating your company there a lot of extra cash and you're wanting to figure out what to do with that. My suggestion for you Mr. Freeman might be to consider scheduling an appointment with one of our investment specialists. And what they can do is offer you some options regarding how to put that extra cash to work for you so that it's not too risky, is safe yet it's generating a return for you, particularly if you don't have immediate for that cash say over the next you know few days or even thirty days.

utterance: Yeah that's good. Cuz I want to do that I don't know how long this flow will flow like that so I want to get that. Put it in a good place. while it's flowing.

utterance: Makes sense, makes sense well if that's the case then Mr. Freeman let me just ask when did you want to schedule an appointment?

utterance: I'd say about a week from today.

utterance: OK so you want to schedule an appointment for next week?

utterance: Yes.

utterance: And what time did you wish to schedule that appointment?

utterance: I always like an early appointment. Between three and twelve. I mean nine and twelve.

utterance: All right OK. So you wanna schedule an appointment for November eighteenth which is a week from today and we can set that up for ten a.m.?

utterance: that'd be good. Ten a.m. will be would be perfect.

utterance: All right and Mr. Freeman did you want to schedule that for phone conference call or for an in person?

utterance: always like in person.

utterance: OK so we'll set that up for an in person visit and Mr. Freeman what's the ZIP code of the location near where you want to schedule the in person visit?

utterance: Well, that'll be that three zero zero eight zero.

utterance: OK that's three zero zero eight zero?

utterance: That's correct.

utterance: All right, thank you for that. And, just to verify here Mr. Freeman I have you scheduled for an appointment with one of our investment specialists on a week from today November the eighteenth at ten a.m. at a location near three zero zero eight zero.

utterance: That's right that's correct.

utterance: All right well Mr. Freeman we've got you all squared away and locked in here for that appointment is there anything else I can assist you with?

utterance: Oh that'll be all. Thank you very much. You have a god day.

utterance: Thank you, you as well.

utterance: Bye bye.


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

utterance: Hey Andre. I'm just looking over my portfolio just getting to know cross my investments one one piece of information I don't seem to have, I don't know why, I was hoping I could confirm with you a a bond yield. That I have with you guys.

utterance: you just want to get your treasury bond treasury bond yield?

utterance: Yeah, I remember because I placed with Intellicharge a while back and then.

utterance: Intellicharge. Oh, I'm sorry

utterance: Yeah, Intellicharge. I met I met with you guys a while back and then I just want to get the rate cents.

utterance: Oh, OK. Well, we are Intellibank but.

utterance: No, I'm so yeah Sorry, I don't know why I was thinking Charge. That's right, yeah.

utterance: I totally understand. I sometimes I say the wrong name myself even though I've been working here for seventeen years.

utterance: Right.

utterance: Yeah, That's a funny thing though cuz we call everything every transaction .

utterance: Yeah, I was

utterance: Thinking money charges. I'm not sure why.

utterance: No, I'm saying like every every every transaction basically is a Intelli Intelli charge, so you aren't you aren't incorrect. OK, so Let's see here Looking for that treasury bond yield. Alright, let's go ahead and look at your account information. Can I get your first and last name?

utterance: Yeah, it's I'm sorry I need to put you on hold. Is that OK? Give me a minute, man.

utterance: Yes, absolutely. Go right ahead.

utterance: Hey, I'm back. Sorry about that.

utterance: no, no problem at all. What what can I help you with, I Sorry, you already told me that. Can I get your first and last name?

utterance: Yeah, sorry the name was Steve Wilkins.

utterance: Steve Wilkins. And your date of birth?

utterance: Yeah.

utterance: March eighth nineteen seventy-five.

utterance: March eighth nineteen seventy-five. Got it. I will also need a four to eight digit PIN number and the bond type you are inquiring about.

utterance: Yeah, the the PIN is seven seven nine four nine. And the, I'm sorry that was the bond. What what did you need? The rate? I'm sorry the the rate?

utterance: The bond

utterance: Types. So that would be the terms of the bond time frame. Is it a one year? Five year?

utterance: Oh, I'm sorry it's a.

utterance: it's a five year.

utterance: I see. five year bond. OK. And just letting that update as it's going through our security measures.

utterance: While we're waiting for the for this information, I just want to let you know that we have online banking services at Intellibank dot com. accessible from things like your laptop, perhaps an iPad but in addition, those same services are available through the Intellibank mobile banking app.

utterance: Say if in the future, I could I could Sorry, distracted something at home here in the future I could just log into the app or whatever to get this information?

utterance: That's correct. That's a free download available for iPhone or Android. Gives you access to your account every day all day all night, and you can make transactions through there. Do things like check balances, apply for credit cards or loans.

utterance: OK. Good to know, good to know.

utterance: We have a number.

utterance: And there's a number of different options within those categories. which in your own time you can look up, and and if you have any inquiries about any of those there's also a chat assistant available through the app.

utterance: OK.

utterance: But let's see About to get that treasury bond yield for you and it looks like it's coming in at five point five percent.

utterance: OK. Five point five and that was the. All right, but you can't tell me the absolute dollar figures. Is that not something you have. You you just have the rate.

utterance: Just the percentage.

utterance: OK.

utterance: So, that's it. Anything else I can help you with?

utterance: No, I think that is all.

utterance: Well, hopefully I have provided you with excellent service. There will be a brief survey. It'll be an additional phone call coming in. to you after this call. Expect it in the next five or ten minutes. If you can answer that call and let us know how we did we'd appreciate it here over at Intellibank.

utterance: Alright, have a good one. Thank you.

utterance: Alright, have a good night. Bye bye.


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

utterance: Hello, I'm having issues with my current financial institution and I'm hoping Intellbank is a better fit for my business.

utterance: Do you offer any free accounts?

utterance: Why yes sir we do here at Intellibank we have free checking accounts.

utterance: Checking account please. How's your day going?

utterance: Oh excellent sir thank you very much for asking, how about yourself?

utterance: It's going okay.

utterance: All right sir, let me just get some info from you OK?

utterance: Sure.

utterance: And you you're sure this is a free checking account right?

utterance: yes sir it is absolutely free.

utterance: OK.

utterance: Can I get your first and last name please?

utterance: Alexander Lopez.

utterance: And your street address?

utterance: Three one six Southwest twelfth Avenue.

utterance: And the city, state and ZIP code please?

utterance: Fort Lauderdale, Florida three three three three four.

utterance: And your social security number sir?

utterance: Oh two nine five two six three one two.

utterance: Thank you for that, sir, and your driver's license number please?

utterance: Can you hang on a sec?

utterance: Absolutely take your time.

utterance: Driver's license number six three two one four three six two one dash zero.

utterance: And the driver's license state please?

utterance: Florida.

utterance: And the PIN number you'd like for the account.

utterance: six two six two.

utterance: And may I please have your email address Mr. Lopez?

utterance: it's A L O P E Z two two at Gmail dot com.

utterance: and that was A Lopez twenty-two at Gmail?

utterance: Dot com yes.

utterance: Thank you sir, yes sir. And the name of your business please?

utterance: Al's Lawn and Tree Service.

utterance: And are you the sole owner?

utterance: Yes.

utterance: And the business establishment date please?

utterance: it's gonna be one twenty-seven ten.

utterance: And your gross annual sales?

utterance: A hundred and twenty-five thousand.

utterance: Thank you sir, and may I please have your tax ID?

utterance: Can you hang on a minute?

utterance: Absolutely.

utterance: K.

utterance: OK the tax ID is six two three six four five two nine one.

utterance: And may I please have the business address?

utterance: K, business address is one six two two Southwest eighteenth Avenue. Fort Lauderdale Florida three three three zero eight.

utterance: Thank you sir, and your mailing address?

utterance: The mailing address is one six two two Southwest eighteenth Avenue, Fort Lauderdale Florida, three three three zero eight.

utterance: All right sir thank you very much, you said one six two two Southwest eighteenth avenue Fort Lauderdale, Florida?

utterance: Yes.

utterance: And you're going to be opening a Intellibank preferred checking account, correct?

utterance: Yes.

utterance: Thank you sir. And I just need the funding account number please.

utterance: Preferred business checking account.

utterance: Yes sir, preferred business, that is correct.

utterance: I'm sorry sir I just need the account number.

utterance: The for the funding account, where the money's coming from to create this new account.

utterance: OK.

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

utterance: And the funding routing number please.

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

utterance: And the initial balance?

utterance: One hundred thousand.

utterance: All right sir.

utterance: You are all set you should be receiving your account information in five to seven business days by mail. OK, anything else I can do for you today?

utterance: No that'll be it.

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

utterance: Sure you too.

utterance: Bye bye.

utterance: Bye.