utterance: Good afternoon.

utterance: Good evening.

utterance: Okay. That's. One. One. One of those is right. I'm Craig. How are you doing?

utterance: Hi Craig. We're probably in different time zones.

utterance: Where are you at?

utterance: I'm in Nebraska.

utterance: Oh what a coincidence. I'm in Nebraska.

utterance: So we just classify evening and afternoon as different things.

utterance: Yes what can I do for you today?

utterance: Oh well just have you been fishing lately?

utterance: Have I been fishing lately?

utterance: Yeah.

utterance: No. I'm. I'm working at the bank.

utterance: Oh OK.

utterance: Why have you been fishing lately?

utterance: I was thinking of going fishing when we got off the phone right now.

utterance: Oh that seems like a great thing to do.

utterance: It does right?

utterance: Yeah.

utterance: Hm.

utterance: I might go home and get my wife Bertha to go fishing with me.

utterance: OK. Yeah there's nothing like a nice night time fishing out in Nebraska.

utterance: Yeah in the middle of nowhere. You hear all the animals and all the creeps. All the people that like come out at night and try to scare people.

utterance: Yeah.

utterance: But, I've got my shotgun with me.

utterance: And you got Bertha.

utterance: And I got Bertha.

utterance: She sounds like a sturdy woman.

utterance: And what are you saying about my wife?

utterance: That she sounds wonderful.

utterance: OK.

utterance: I'm a sturdy woman myself.

utterance: I just need to change my email address.

utterance: Oh great. Can I have your account?

utterance: My account number. I don't know why you need it but sure, sure, sure. I guess you need it because this is my bank right?

utterance: Yes and we don't want anyone coming in pretending to be you.

utterance: I appreciate that. OK are you ready?

utterance: Oh I was born ready.

utterance: Good for you. That's what we like to hear our in Nebraska. Hey do you have your gun at work with you?

utterance: I carry it with me everywhere I go.

utterance: Mhm. OK it's two one two. Three four six two. Eight nine.

utterance: Two one two.

utterance: Three four six two.

utterance: Eight nine.

utterance: Mhm.

utterance: And your full name?

utterance: my full name is Beyontrix.

utterance: Beyontrix?

utterance: Yeah.

utterance: That's your full name?

utterance: Yeah why would you ask like that?

utterance: Oh I was just curious.

utterance: Oh yeah Beyontrix.

utterance: Oh yeah Beyontrix. It's like Madonna.

utterance: It's nothing like Madonna.

utterance: Oh.

utterance: But sure whatever you say.

utterance: What's the new email address we're gonna type in there for you?

utterance: Beyond Trixie's.

utterance: Beyond.

utterance: Trixie's.

utterance: Tricks.

utterance: Tricks.

utterance: Mhm.

utterance: Beyond Trixie's Tricks.

utterance: At iCloud.

utterance: At iCloud.

utterance: Yeah. I have a small business.

utterance: That's great. What's the business?

utterance: Well we do these portraits. Where we layer sacred geometry on top of whatever you want and then we do like a few different layers. So it looks kind of holographic. Out in Nebraska we do a lot of couples photos.

utterance: Interesting.

utterance: Yeah.

utterance: That sounds like a fun small business.

utterance: It is, yeah.

utterance: Yeah? How many clients do you say you have?

utterance: Mhm.

utterance: about a month or?

utterance: Mhm.

utterance: it's probably around like a hundred to two hundred a month.

utterance: Wow. That's a lot of pictures.

utterance: Yeah. You know people like pictures of all types of things layered with sacred geometry and turned into holographs. Not just. Not just pictures of them as a couple.

utterance: interesting.

utterance: Mhm.

utterance: Wow.

utterance: Yeah.

utterance: That's great.

utterance: Mm. Thank you.

utterance: How did you get into that?

utterance: Well, I've always been really into sacred geometry and couples photography specifically and then I realized I could combine the two and with a name like Beyond Tricks I knew my whole life anything was possible. So I just followed my heart.

utterance: Nice. What is sacred geometry?

utterance: Oh it's the sequencing of all things in life.

utterance: Oh wow.

utterance: Yeah.

utterance: That's interesting.

utterance: Yeah you've not heard of that?

utterance: No I haven't.

utterance: Mm. Fibonacci sequence?

utterance: Fibonacci sequence?

utterance: Yeah.

utterance: No I haven't heard of that.

utterance: It's.

utterance: Start there with a little investigation if you're interested in numbers, which you must be working at a bank. Or is it customers that you're interested in?

utterance: I'm interested in all of it.

utterance: OK great. Did you change my email address?

utterance: I did. Beyond Trixie's Tricks. at iCloud.

utterance: Yeah.

utterance: You got it.

utterance: Yeah.

utterance: Cool.

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

utterance: Well you know what you could do for me?

utterance: What's that?

utterance: You could go home, get your wife Bertha go out fishing and then come to my small business and have your photo turned into a holograph.

utterance: Nice. I will do that. I go fishing with my shotgun. So I shoot at the fish.

utterance: That's the only way to fish in Nebraska.

utterance: That's the only way to fish in life.

utterance: You got it man.

utterance: Hey man. I'll tell Bertha you said Hi. And thanks for calling.

utterance: Thank you.

utterance: Well thank you so much.

utterance: All right. Bye.

utterance: Goodnight.

utterance: Good afternoon.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes, this is Monica Stevens.

utterance: OK miss Stevens, can I get your date of birth?

utterance: One one nineteen sixty.

utterance: One one nineteen sixty.

utterance: Yes.

utterance: OK and for security purpose can I get your state ID or driver's license.

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

utterance: K and also for security purpose can I get your email?

utterance: Yes, it's organic peach at Gmail dot com.

utterance: Organic Peach at Gmail dot com?

utterance: Yes.

utterance: K. How can I help you today Ms. Stevens?

utterance: I wanted to open up a a account, business account. A SBA.

utterance: You want to do a small business loan?

utterance: Yes.

utterance: OK, what kind did you want to open? A five oh four or a seven A?

utterance: Five oh four.

utterance: Five oh four loan?

utterance: Yes.

utterance: OK. What's the name of your business?

utterance: It's Tina incorporated.

utterance: OK and do you have tax ID?

utterance: Yes, I do.

utterance: What's that?

utterance: It's two three six seven nine zero.

utterance: OK. Also do you. What's the address for it?

utterance: Eleven thirty-seven Apple Street New York, New York one zero zero zero three.

utterance: OK. Also for security purposes, do you have a business pin?

utterance: Yes I do, it's four eight seven two.

utterance: OK and what would this loan be for?

utterance: Oh, its a be a smart loan, a business loan.

utterance: OK.

utterance: For merchandise.

utterance: Merchandise?

utterance: Yes.

utterance: OK.

utterance: Anything goes for using it for?

utterance: No that's about it, the merchandise.

utterance: OK, OK. For precaution we just had to make sure everyone's you know, crossing there T's, dotting their I's.

utterance: OK.

utterance: OK, I will need to ask you some more questions.

utterance: OK.

utterance: Do you have any references that we can contact?

utterance: Yes.

utterance: OK.

utterance: I have a Lisa Morgan.

utterance: Lisa Morgan?

utterance: Yes, at six one eight five four three six six two seven.

utterance: This is her house number or OK.

utterance: Yes it is, it's her.

utterance: House number. and I have a vendor, two vendors. Gas Light company. That's six eight one six two one zero eight eight three. And Arizona Company, that's six one eight five four two one zero zero seven.

utterance: OK and they, they're. You do business with them?

utterance: Yes.

utterance: OK. All right and how much are you looking to take out for this loan?

utterance: Probably about twenty thousand.

utterance: Twenty thousand?

utterance: Yes.

utterance: OK. And for collateral and liquidation purposes can you list anything that you have of value that's of twenty thousand?

utterance: house, car, company.

utterance: OK house, car. Do you own the building?

utterance: Yes.

utterance: OK. I'd rather put the building on line than, than your house.

utterance: OK.

utterance: OK.

utterance: All right. You said twenty thous~

utterance: Yes.

utterance: OK. Well your credit looks good so.

utterance: OK.

utterance: That's heading in the right direction. Do you have a six ninety-eight? Pay your credit cards on time? OK and for this account, would it be connected to your business account?

utterance: Yes.

utterance: That's the savings account, right?

utterance: Right.

utterance: OK, can I get the savings account number?

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

utterance: OK. All right, Miss Stevens, I have put in for your application.

utterance: OK.

utterance: We do tend to get this done within twenty-four hours and they will be sent to your email at organic peach at Gmail dot com.

utterance: OK, perfect.

utterance: But from looking at where we are right now, everything seem to be everything seems to be on the up and up, OK?

utterance: OK.

utterance: Everything good. Thumbs up.

utterance: Yeah everything's good.

utterance: but yeah, just give it twenty-four hours they should shoot you a email to let you know if you actually got accepted.

utterance: OK thank you, I appreciate the help.

utterance: That's no problem, is there anything else I can do for you?

utterance: No, that's about it.

utterance: OK, well you have a lovely day and thank you for calling Intellibank.

utterance: Thank you bye.

utterance: Bye bye.


utterance: Hello. Thank you so much for calling Intellibank today. How may I help you?

utterance: Oh hello my name is Sharleen. And I wanted to open a new I want I want able, sorry entered a new credit card on my account.

utterance: All right, no problem. I can go ahead and help you out with that. First can I get your name and date of birth please?

utterance: OK. My name is Charlene Peterson and my date of birth is on the twentieth of December nineteen ninety.

utterance: All right thank you. And also can I get your PIN number?

utterance: Yeah. That'll be three five four six.

utterance: All right thank you for that. And can I also get your account number?

utterance: give me a minute on that.

utterance: Yes sure no problem.

utterance: OK. My account number is three five four six six eight seven nine two four.

utterance: All right thank you for that. Now I will ask for the new user information for the credit card. So can I get the new users first and last name?

utterance: That will be Laura Smith.

utterance: All right could you spell that out for me please?

utterance: OK. Well the first name is L A U R A. And then for the second name it it is S M I T H.

utterance: All right, thank you for that. And can I get this new users social security number?

utterance: OK. That will be five four four eight nine seven five eight six.

utterance: All right. Thank you. And what is the desired limit for this card?

utterance: That will be ten thousand dollars.

utterance: All right. Thank you. And can I get the address for where you'd like this card to be shipped to? So the street address, city, state and ZIP code.

utterance: OK. That will be seven eight two, Nottling Street in Dallas City, Texas State and the code will be seven five zero five one.

utterance: All right. Thank you for that. And can I get the new users PIN?

utterance: OK. That will be one nine six zero.

utterance: All right. Thank you. And also their date of birth?

utterance: OK. That'll be the sixth of May nineteen ninety-three.

utterance: All right. Thank you for that. All right I have just gonna I finalized your new credit card and the new credit card should be on its way to you in about three to five business days.

utterance: Oh OK that's good to know. And how's the weather over there?

utterance: Oh the weather's so nice, thanks for asking. How's the weather with you?

utterance: It's also nice over here, very very sunny which is nice and warm for outdoor activities.

utterance: Absolutely. And also Sharleen would you like to know about our online banking?

utterance: Yeah I'd like to know how it works.

utterance: Yeah so online banking is through our app. You can get it at the app store and with online banking you can do almost everything that you can do at a physical branch such as making deposits, transfers, checking your accounts checking your transactions. You can also update your personal or business information on there as well. and you could do things such as scheduling through the online banking as well.

utterance: Oh that's good to know. So I can either use the website or the app right?

utterance: Yeah so you could use both however the website doesn't allow you to deposit checks, however the app does.

utterance: Oh OK so the app is much better than the website?

utterance: yes it's it's more efficient and people find it easier to navigate.

utterance: Oh OK. And what about the security features?

utterance: Yeah so the app is very secure. You will have to put in your user name and password to log in and you can also enable face ID with the iPhone so that you have another level of protection.

utterance: Oh OK that's good to know. the app today.

utterance: Absolutely, no problem. Any other questions?

utterance: No, that's it for now.

utterance: All right no problem. Have a great day.

utterance: You too.


utterance: Thank you for calling Intellibank. Home of the low rate SBA loans and Smart Savings. My name is Richard, how can I help you today?

utterance: Hey Richard, my name is George. And I was calling to get a credit report today.

utterance: OK George, I can definitely help you out with that.

utterance: What do you need my my account number. It's two three six nine eight four nine three seven oh nine BS. And my phone number is three one oh six two nine four four two two.

utterance: Thank.

utterance: All right. Well thank you. Thank you for that information, George. I don't quite need that information just yet cuz I haven't gotten into you account where I can actually verify that information. So, in order for me to open your account, may I please have your four digit PIN number?

utterance: All right, that's two two two two.

utterance: Twenty-two twenty-two, all right. OK. All right George, we have that open up here so, do me a favor, and verify you first and last name for me please, sir?

utterance: George Lock.

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

utterance: Seven twenty-two eighty-five.

utterance: OK, great. And please verify for me your mailing address.

utterance: Two two four nine Wilbur Avenue LA nine oh oh oh one.

utterance: All right, great. And is your mailing address the same as your shipping address, your business the same as your shipping, I'm sorry?

utterance: Yeah. Yes indeed. Does it have to be?

utterance: No. No, it doesn't have to be, it can be set up any way you like. I'm just verifying from my end to make sure we have all the correct information. All right, so we are ready to order your credit report, sir. What is your social security number, George?

utterance: Two two two three nine six eight four nine seven.

utterance: All right. I was just about to ask for that last number, I'm glad you gave it to me. OK. Fantastic. So we're going to we're going to generate your credit report. and it's gonna take just a brief moment to compile all that information from credit bureaus. And while we wait, I would like. How would you like this delivered to you?

utterance: All right.

utterance: let's do email.

utterance: OK, you'd like it through email. OK, that email is secure, just to assure you.

utterance: Is there a charge?

utterance: For that?

utterance: Yes sir, there's this.

utterance: What's. What's.

utterance: That called?

utterance: It is a secure charge. And that secure charge is a one time charge of twenty-five dollars. And what that does is that ensures your email to be delivered from us to you with no stops and it doesn't fall into anyone else's hands.

utterance: OK.

utterance: All right. So, you can take care of that charge through your business credit card or you can charge that through your business account. Which would you like to use?

utterance: Let's let's charge. Bill it through the account.

utterance: OK. We're billing it through the account. All right, just give me one moment while I put that charge through. And I do want to remind you that we do have Diamond Checking account holders, I see that you are a Gold Checking account holder. There are greater benefits for being a Diamond Checking account holder and I will send you a link that gives you more information about that and how you can qualify.

utterance: All right.

utterance: Also, additional benefits on how you can how you can qualify for an SBA loan and get that funded into your business accounts within two to three business days.

utterance: OK. That's good to know. That's good to know.

utterance: Yes sir. All right, I'm also going to include on your email links for our online business accounts. We have a separate website for our online business owners. So that's for you guys. And then also we're going to have our mobile app link which will give you information, twenty-four seven, regarding any of our business products and services.

utterance: OK.

utterance: All right. So Mister. So George, we have all this information compiled in the email for you. Is there anything else I can help you out with today?

utterance: No, that's that's sounds like everything I'm gonna need today. Thank you for your help. Really appreciate it.

utterance: Well George, we really appreciate you being a long term Intellibank customer. Please, be on the lookout for that email I'm sending your way. And sir, you have a great day.

utterance: All right. Sounds good. And yeah. Thank you very much.

utterance: Thank you, George. Have a great evening.

utterance: All right.


utterance: Hi. This is Robyn Forsyth at Intellibank. What can I do for you today?

utterance: Hi. I'm looking for my businesses quick liquidity ratio.

utterance: OK. Yes. I'd be more than happy to help you figure that out today. Can I start by getting your full name and your date of birth?

utterance: Sure. It's Julie Crane C R A N E and my date of birth is December seventh nineteen eighty-four.

utterance: OK. December seventh nineteen eighty-four. OK Julie. I am gonna go ahead and pull up your account. Can I start by getting the credit card number you have on file?

utterance: Yeah. I believe this credit card number is six nine nine nine zero six five seven five one six three one five nine zero.

utterance: OK and just to verify that was six nine nine nine zero six five seven five one six three one five nine zero.

utterance: Yeah. Exactly.

utterance: OK. Great.

utterance: OK Julie. I am gonna go ahead and pull up your account but before we can proceed any further I need to ask you a few security questions for the safety of your account.

utterance: OK.

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

utterance: Sure. five nine seven one.

utterance: Five nine seven one. OK great and you answered a security question when you created your account. I'm gonna go ahead and ask that now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: It's Jackson.

utterance: And would you mind spelling that for me please?

utterance: Sure. J A X O N.

utterance: OK. Great. Thank you for verifying that information for me Julie.

utterance: I am able to pull up your account so give me just one moment please.

utterance: Great. Thank you.

utterance: OK. I have your account in front of me and this is for this is for Julie's Cupcakes L L C?

utterance: Yes.

utterance: OK. Great and so you wanted to find out your quick liquidity ratio?

utterance: Yes please.

utterance: Yep. I can go ahead and do that. Give me just one second.

utterance: Right. Thank you so much.

utterance: OK. So it looks like right now you're at a three point five.

utterance: Three point five? That's pretty good isn't it?

utterance: Yep. That's pretty good.

utterance: Wonderful.

utterance: OK. So Julie is there anything else that I can help you out with while I'm on the line?

utterance: yeah so I think that you guys offer some tax services?

utterance: Yes. were you wanting to set up an appointment with the tax specialist?

utterance: Yeah. I would love that.

utterance: OK. Yeah I can go ahead and get you scheduled on that.

utterance: Gimme just one moment to pull up our scheduler.

utterance: Great. Thank you so much.

utterance: OK. So I do have our scheduler up. What day were you looking to have an appointment?

utterance: Well first off what is the rate for the tax specialist?

utterance: OK. So your first appointment with the tax specialist is gonna be complimentary.

utterance: Oh. OK. Wonderful. I guess in terms of the date let me look at my calendar real quick.

utterance: Of course. Take your time.

utterance: Does the tax specialist meet on Sundays?

utterance: unfortunately they're not open on Sunday. We are just open eight a.m. to six p.m. Monday through Friday and on Saturdays we're open from one to three.

utterance: OK. I guess Tuesday's not too busy of a day.

utterance: OK. Tuesday. Let me pull that up. One moment.

utterance: And were you looking to have this meeting in person or online?

utterance: whichever has the most open appointments I guess?

utterance: OK. Let me take a look. What what time of day were you hoping for?

utterance: maybe like four p.m.?

utterance: OK. So I'm checking for this Tuesday the fourth and let me see what I have available.

utterance: Thank you.

utterance: OK. So we do have we have an online appointment available at three thirty? Would that work?

utterance: yeah I guess I can make that work.

utterance: Let me see what else we have actually. OK. We we have an in person one available at four fifteen.

utterance: OK. Yeah. That'll work a lot better.

utterance: OK. So in person, Tuesday the fourth at four fifteen p.m. and can I get your ZIP code from you please?

utterance: Yeah. Nine zero zero one nine.

utterance: Nine zero zero one nine. One moment.

utterance: OK. It looks like your nearest branch is gonna be on our North Rainbow branch. does that work for you?

utterance: Yeah.

utterance: OK. So I have you all set and you should be receiving an email from us shortly just as a confirmation of your appointment time. Is there anything else I can help you out with?

utterance: No. Thank you.

utterance: Thank you. Have a lovely day.


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

utterance: yes. I am wanting to know what an income to debt ratio is and also if you could provide me the info for my company?

utterance: Absolutely. so the income to debt ratio is just a simple calculation that we take into consideration when or well any financial institution will take into consideration when providing loans or any type of credit. and it's simply the total value of a company's monthly debt payments divided by that same company's gross monthly income.

utterance: OK. And can you provide me with with my company's debt ratio?

utterance: I certainly can. can I have your first and last name please?

utterance: Dan Thomas T H O M A S.

utterance: Thank you. And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: And your authenticating pin number please?

utterance: One zero six two.

utterance: Thank you. And then what time period would you like your income to debt ratio to be calculated over?

utterance: The last twelve months.

utterance: All right. So I'm seeing that you have an income to debt ratio over the previous twelve months of twenty-four point two percent.

utterance: OK. That sounds pretty good doesn't it?

utterance: yes. Generally that's a quite a good debt to income ratio. that would just mean that twenty-four percent of your monthly income is is going out into debt payments. So that's a pretty great score actually.

utterance: OK. That's great. Your day going pretty good so far?

utterance: yes sir. My day is going quite well. how is your day going?

utterance: It's going well.

utterance: That's good to hear.

utterance: I do have another question.

utterance: Absolutely. How can I help you?

utterance: what type of Intellibank credit cards do you offer?

utterance: the Intellibank credit cards sir?

utterance: Yes Intellibank.

utterance: Yes we offer three different types of corporate cards. we have a business platinum card, we have a business gold card and a business silver card.

utterance: OK. can you tell me the difference between each of them?

utterance: Yes sir. so our business platinum card is going to be our top tier card and that card has a two percent cash back rewards program on all purchases as well as a one hundred dollar annual fee to maintain that card and our Intellibank business gold card will be our midgrade tier and it has a two percent cash back on all gas and grocery purchases and it has a zero dollar annual fee. And then our lowest tiered card is our Intellibank business silver card which has no cash back rewards but it also has no annual fee.

utterance: OK. Yeah I like the ones with no fees that those sound pretty good. what type of loans do you offer?

utterance: For loans we have a pretty wide variety. We have term loans which are just the basic unsecured loans. we have secured loans which can be secured with a variety of different collateral types. real estate loans for the purchase of property. And then we also offer SBA seven A and SBA five oh four loans and each of those are backed by the small business administration so they're they do have slightly more favorable terms and conditions if you qualify for them.

utterance: OK. what's the difference between the SBA seven A and the other SBA loan?

utterance: Yes. The SBA seven A loan will just be a general type of loan similar to a a normal term loan and SBA five oh four loan is specific for real estate.

utterance: Oh OK. Sounds good.

utterance: All right. Is there any other information that I can assist you with today?

utterance: I don't believe so.

utterance: OK sir. Well thank you very much for choosing Intellibank for your banking needs and you have a fantastic afternoon.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.


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

utterance: Yeah, I'm thinking about buying some Whitecell stocks, but I'm not sure if it's worth it.

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

utterance: It's Jill Baker.

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

utterance: it doesn't matter, please just call me Jill.

utterance: All right Jill, so you were thinking about buying some stock, but you aren't sure if it's the right investment, is that correct?

utterance: Yeah, so I inherited money from my godmom, and I just, I just wanna invest it I think, but I'm not sure.

utterance: OK, so are you wanting me to check the current value of that stock for you, so we can kind of help you make that decision?

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

utterance: All right, just give me just a few moments. OK, I'm just gonna need to get some information from you. What is your account number?

utterance: Give me just one second to find that, hold on one second okay. it's three four six, zero two, nine nine eight.

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

utterance: It's Johnson Controls.

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

utterance: March second, nineteen eighty, and it's seven three eight zero two zero seven eight three is my social.

utterance: All right, and it's looks like your account has a four digit PIN number on it, for security purposes, can you share that PIN number with me Jill?

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

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

utterance: I'm in Kansas City, Missouri.

utterance: OK Jill, and can I get your street address as well?

utterance: Yeah, it's five five one Hooter Road, and that's seven three eight two zero.

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

utterance: Yeah, J Baker at Johnson Controls dot com.

utterance: OK Jill, so you're wanting to purchase stock for Whitecell, is that correct?

utterance: Yeah, that's, that's the one I want.

utterance: OK Jill, and what is the stock symbol for Whitecell?

utterance: it's FFIV.

utterance: OK, and it looks like right now the market value for the for one share of Whitecell, is about sixty-four dollars and ninety cents.

utterance: can you tell me the quality of earnings for that?

utterance: Yeah, give me just a second here.

utterance: Yeah, so it looks like it has a growth in revenue, profit cash generation in dividends for the past nine weeks, and it currently has a high return value of about forty percent. would be interested in buying any of those shares right at the moment?

utterance: I don't think I'm gonna, interested in buying it right now, I just kind of wanted to know if it was worth it.

utterance: Yeah, I understand that. But, if any time you change your mind, you can always give us a call back at here in, here at Intellibank, and we can assist you with that buy.

utterance: OK, I think I'm gonna buy some eventually. But, I'm heading out of town tomorrow for, and I'll be gone for a few weeks, so I may just kinda wanna watch it, and keep an eye on it while I'm gone to see if it you know, see what it does.

utterance: Yeah, I totally understand that. I I hope that you enjoy your trip.

utterance: actually I'm out of town for a funeral, so it's not really like a great trip or anything.

utterance: OK, I, I'm so sorry to hear that Jill, and I'm very sorry for your loss.

utterance: It's OK, it was just, it was an aunt. I only met her once but, she didn't have any children, so they've tasked me with kind of closing up her estate and making funeral arrangement and stuff. So, it's a little bit strange cuz I didn't know her but you know I, I appreciate your, I appreciate your kind words.

utterance: OK, well I, I understand that's so probably very hard for you. I, I can understand what your saying regarding this stock, again I mean if you change your mind at any point, just let us know, okay?

utterance: Yeah, I'm just not really sure on how long all that's gonna take to get sorted through, and with running the business activities here while I'm there, and then of course trying to babysit a stock, I just don't know that I can do it all right now, so.

utterance: Yeah, I totally understand that Jill. if you get back, and you decide you wanna look more into this stock, you can just give us a call back then, and we can get that stock purchased for you. Or, we can get you connected with one of our financial advisors if you wanna, maybe check into some other stocks as well.

utterance: OK, thanks. That'd be really, really helpful.

utterance: All right Jill, was there anything I could do to help you?

utterance: actually yeah, while I have you on the phone, since I'm travelling, could you maybe put my account in travel status starting Thursday?

utterance: Yeah, I can do that. Give me just a second, okay? do you want that on your checking, and your savings account?

utterance: I think just my checking, I don't really use my savings.

utterance: OK. And you said that you'll be leaving on Thursday, but do you know when you'll be returning?

utterance: I'm not sure, can I, can I put it can I put it out till the seventeenth, and then I'll, kind of, update you guys if I end up being out there longer than that?

utterance: Yeah, we can do that. So, I'll put you on out of town, or I'm sorry, out of state status from the seventh to the seventeenth. And also to, what state are you gonna be in?

utterance: So I'll be in Minnesota.

utterance: OK. So let me put you down. I'm gonna put it down that you're gonna be in Minnesota too, so that way if any transactions pop up in Minnesota, they don't flag that as fraud. I'm gonna get that added here real quickly as well.

utterance: OK. so I'll send you a quick confirmation email, it's gonna have a disclosure in there, you'll just need to click on that disclosure and select the option, to just to confirm that you're putting your your account into that status. it's literally just the email, you just have to click on the link and it'll automatically it'll say do you acknowledge this? And you'll just click yes, and then it'll send it back to us, and that's all we need. But, for right now I have it on there. But, just make sure that you go and check that email and do, and do sign off on that confirmation so that it actually goes into effect. But it's on there, and we have it through the seventeenth. Did you have any other questions for me?

utterance: I didn't, thank you though, I appreciate it.

utterance: All right Jill, well you have a safe trip, and thank you for choosing Intellibank.


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

utterance: Hi. my name is Sandy Jenson and I'm trying to open a savings account for my business and I also know you guys have one of my loans and guess I'm here to hear the giant number that you guys have on file.

utterance: All right. Not a problem. So the easiest way to go about this is to check your loan balance first. that way we will pull up your account, have a bunch of your information here and then we can move forward with setting up that savings account. So to start us off can you give me your full first and last name as it appears on your loan account?

utterance: Yep. it's Sandy Jensen as I said at the top of the call. Is do you need me to spell that out for you?

utterance: sure.

utterance: Sandy S A N D Y. Jensen G J E N S E N.

utterance: All right. And what is your date of birth?

utterance: It's October second, nineteen ninety-two and also I'm running short on time so if we could just you know hurry this process up.

utterance: I totally understand. And I can guarantee you that this call will not take any longer than four more minutes.

utterance: All right.

utterance: All right. So I am gonna need your four digit security PIN.

utterance: I can never remember this things. It's probably, you know it's probably one two three four. Why don't you try that out?

utterance: It is one two three four. All right. Let me go ahead and pull up that loan balance.

utterance: Mm it's gonna be such a big number.

utterance: All right. It is forty-eight thousand two hundred sixty-two dollars and seventeen cents.

utterance: Yup. These banks. I heard your interest rate went up. Like you're charging me more interest this year.

utterance: I'm very sorry about that. Are were you still interested in opening up the savings account?

utterance: It's ridiculous.

utterance: Yeah I guess so. I guess so. There's not really any like you know all you all the banks are the same so. Let's do it.

utterance: All right. So I'm just gonna need you to confirm quite a bit of information here before we can open that account. I'm gonna need to get your address.

utterance: Don't you already have my address on file?

utterance: We do. We're confirming this information to make sure it's you so that someone doesn't go about opening a savings account under your name.

utterance: Right. It's seven thousand five hundred forty-one Ridge Street in Los Angeles.

utterance: All right. And your social security number?

utterance: Social security number is one nine four two nine four seven four nine.

utterance: All right. And I need to get your driver's license or state issued ID.

utterance: All right. I have a California driver's license and it's one three three seven three six four seven.

utterance: All right. And your email address?

utterance: My email I have so many emails Powders at Powders dot com.

utterance: All right. And I need the name of your business?

utterance: It's Powders.

utterance: And are you the sole owner?

utterance: I am.

utterance: And when was the date that you established your business?

utterance: It's like ten years ago. How am I supposed to remember?

utterance: All right. we are going to need that unfortunately. The exact date.

utterance: just put January first two thousand ten.

utterance: All right. And what are your gross annual sales?

utterance: About sixty thousand a year.

utterance: And your tax ID number?

utterance: Tax ID number. Seven seven eight three one four three four.

utterance: All right. I have that account all ready for you. Did you wanna add funds to that account today?

utterance: No. No not yet.

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

utterance: No. Thank you.

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


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

utterance: Good afternoon Bill.

utterance: Good afternoon.

utterance: How may you help me?

utterance: Sure, yes. I'd love to know.

utterance: I feel supported already.

utterance: Oh, good. Very good. Well that's what we try to do here at Intellibank. We support our customers in every endeavor that they want. through either banking or checking or savings. We also support with platinum cards, gold cards, silver cards, traveler's cards. We also have new small business loans. All sorts of things.

utterance: Thank you.

utterance: Mm.

utterance: So if you are looking for support you've come to the right bank.

utterance: Clearly.

utterance: Of course.

utterance: Wow! I knew there was a reason that I banked with Intellibank and I'm hearing more and more of what that reason is.

utterance: Oh, very good! So how can I help you today?

utterance: Hmm well how can I find out about some of what you just mentioned? More in depth?

utterance: Well, sure.

utterance: Which one would you like to know about? The platinum cards? Or would you like to know about the traveler's cards? Or opening up a savings account?

utterance: Oh, I would like to open a savings account. calling.

utterance: OK, well that's not a big deal. You could always look at our savings plans online at Intellibank dot com.

utterance: Mhm.

utterance: Mm.

utterance: Go ahead and start an account. And you can check everything out there. Or you can call back at a more reasonable time, a time that you can.

utterance: I have more time to talk?

utterance: Sure absolutely.

utterance: Uh-huh.

utterance: What are you looking to do today?

utterance: Oh. Oh. I'm just looking to change my email address.

utterance: Oh.

utterance: Mhm.

utterance: Well that's simple enough. Sure. I can definitely help you with that. Let's go ahead and get your credit card number to log into your account.

utterance: OK. Oh. No. Can you just? I have another call coming in.

utterance: Absolutely, I'll be here.

utterance: Are you still there?

utterance: I sure am.

utterance: Oh. Thank you for holding.

utterance: Of course.

utterance: OK let me let me get you with that card information.

utterance: Mhm.

utterance: My card number is four three six zero nine three six one two two three one.

utterance: OK, very good. And before we proceed we just need to verify some information on your account. You know it's all about security here at Intellibank.

utterance: Mm.

utterance: What is your name?

utterance: Pfifer McCrue.

utterance: Pfifer McCrue? OK. Thank you, Pfifer. And Pfifer what is your date of birth?

utterance: Seven seventeen seventy-seven.

utterance: Wow. A lot of sevens there. Lucky number seven huh?

utterance: Yeah. I am.

utterance: A very lucky lady.

utterance: You ever play roulette or anything or craps?

utterance: All. I play it all.

utterance: I do it all. Everything. Mhm. I love gambling.

utterance: Oh, OK. Very good.

utterance: Yeah, well, if you got the numbers.

utterance: And it's it's going really good you know?

utterance: Yeah?

utterance: Yeah.

utterance: Well that's good to hear.

utterance: Mhm.

utterance: All right Pfifer. For your your security question. What is the town you were born in?

utterance: Oh, what did I put on there? Sometimes I don't give the honest answers to my security questions so so that I can throw anyone off that's trying to, you know, steal my identity.

utterance: Sure. OK.

utterance: Of course, yeah.

utterance: Mm. I need to tell myself a riddle to remember what I gave this answer as. London.

utterance: OK.

utterance: Was that right?

utterance: That is the correct answer yeah. What was the riddle by the way?

utterance: Oh good.

utterance: Oh, I can't share that with you.

utterance: OK. Sure.

utterance: Course. Of course. So sorry.

utterance: It's OK. Thanks for asking.

utterance: You're welcome. All right Pfifer. So we have on record here your email being London London I love London at Gmail dot com?

utterance: Yeah. Would you like to keep that email or replace that?

utterance: That's why I need to.

utterance: Change it, it's giving away one of my security answers. Mhm.

utterance: Sure. Absolutely.

utterance: So what would you like to change it to?

utterance: I think you can probably guess what my riddle was looking like now, can't you?

utterance: I think something about falling down?

utterance: Mm.

utterance: Bridges, maybe?

utterance: Well, I am going to change my email to bridge bridge bridge.

utterance: OK bridge three bridges?

utterance: And a three. Bridge bridge bridge three.

utterance: Yes?

utterance: At Gmail.

utterance: OK.

utterance: Gmail dot com.

utterance: Would you like us to send you any updates or news with your banking? OK.

utterance: Yes.

utterance: Sign me up for as many emails as possible.

utterance: Absolutely.

utterance: We will flood your. We will flood your hit your inbox every single day. Very good, Pfifer. OK. just real quick your phone number we have eight one eight three three three four two Are you OK there?

utterance: Intel Bank.

utterance: I just choked on some water.

utterance: Oh. Are you is everything OK?

utterance: Mhm.

utterance: OK, very good. Pfifer, your phone number on record is eight one eight three three three four two four two. Is that still your number?

utterance: Yes.

utterance: OK.

utterance: can you are there newsletters that I can get text messaged to me?

utterance: Absolutely. Yeah we can definitely send about three to four of those a day.

utterance: OK very good. Pfifer, is there anything else I can help you with today?

utterance: No.

utterance: Well it was lovely chatting with you. I was glad to be of service to you.

utterance: Thank you so much.

utterance: And thank you for

utterance: Using Intellibank.

utterance: Thank you so much. OK. Goodbye.

utterance: OK. Take care.


utterance: Good morning, Intellibank. This is Kendra. How may I help you?

utterance: This is Stacy Edwards. I'm almost out of my business checks, and I need to order some more.

utterance: I only have ten left, and I have a lot of vendors coming this week.

utterance: Oh OK. what's your full name?

utterance: it's Stacy Edwards, and my birthdate is six twenty nineteen ninety-seven, in case you need it.

utterance: OK. Stacy, do you know your pin number on your account?

utterance: Yes, it's six nine seven nine three.

utterance: OK. And do you know your account number?

utterance: Yes, it's eight zero zero seven nine nine one three six three.

utterance: OK. That's eight zero zero seven nine nine one three six three.

utterance: Yes, that's right.

utterance: OK. so do you want to just reorder the book of a hundred like last time?

utterance: Yeah, that'd be great.

utterance: OK. Do you want everything the same, and shipped to the same or same address?

utterance: Yes.

utterance: Thanks. Also my main reason for calling was to see if I can get an investment report sent to me.

utterance: Yeah, sure. No problem. OK let's see, would you mind giving me your account number one more time?

utterance: OK, that was eight zero zero seven nine nine one three six three?

utterance: Yes.

utterance: OK. Well we do provide free copies of investment reports every three months. So let me just look and see when you received your last one.

utterance: OK.

utterance: Oh, OK. let's see, it looks like you haven't received one in over five months. So this one would be free.

utterance: OK, good.

utterance: All right, would you like this one to be mailed or emailed?

utterance: Emailed, please.

utterance: OK. And what is your email address?

utterance: It's Stacy Edwards four three eight at Gmail dot com.

utterance: OK. let's see, its Stacy Edwards four three eight at Gmail dot com?

utterance: Yes.

utterance: OK, and do you want it sent to multiple email addresses, or just to this one?

utterance: Just this one, but could you also get it mailed to me, please?

utterance: Yes, absolutely.

utterance: OK, and what is the street address that you want it mailed to?

utterance: Eight seven three Woodrow Drive.

utterance: OK, and what's the city?

utterance: Lanford.

utterance: OK, and the state?

utterance: West Virginia.

utterance: OK. Great. And what is the ZIP code?

utterance: Two four nine six two.

utterance: OK Stacy, let's see looks like we have you set up to receive your book of a hundred checks. the same as last time.

utterance: And to get your investment reports emailed and mailed. Is there anything else that you need today?

utterance: No, I think that's it.

utterance: OK, are you signed up for online banking?

utterance: No, I don't think so.

utterance: All right, well if you want to sign up, you can check your account info, your deposits, transactions.

utterance: you can do mobile deposits, and you can check your investment reports more conveniently in the future. Is this something you would like to do?

utterance: Can I sign up online myself?

utterance: Oh yes, absolutely. Would you like to download our app, or just go to our website?

utterance: Download the app.

utterance: OK, well just download the Intellibank app on your phone or your mobile device.

utterance: OK.

utterance: OK, and then just create an account. And then it will ask you for your account number, which you already have, right?

utterance: Yes, I do.

utterance: OK. Well that's all you have to do.

utterance: OK. Thank you. You too. Bye.

utterance: All right, well you have a great day.

utterance: All right, bye bye.


utterance: Thank you for calling Intellibank, this is Susan. How can I help you?

utterance: Hey Susan, how you doing today?

utterance: Pretty good, how are you doing?

utterance: I'm doing great, you know I woke up this morning, the sun is shining and I said to myself, this is gonna be the day where you just go for and make things happen and that's why I'm calling you.

utterance: All right, sounds great. How can I help you?

utterance: All right so I have a business and I have like a little luncheonette and it's like in a small building and the business has grown and I've outgrown the building but I love the building and everybody loves us there. So I want to. I have the the room to expand on and I wanna build an addition onto the building to open it up more so I can fit more customers inside. This way they're not constantly standing outside in line.

utterance: Wow that sounds amazing. That's great. So what what do you need from us today? What can we do?

utterance: Well I need I need to apply for a loan. I would imagine it's a term loan.

utterance: OK, you wanna apply for a term loan. Awesome. All right, I can totally help you with this. Let's get all your information. We'll fill out your application and let's get started. I'm excited for you, that's really great.

utterance: Yes.

utterance: Thank you.

utterance: All right so what is your first and last name?

utterance: the first name is Samuel.

utterance: OK.

utterance: Last name is Johnson.

utterance: OK Mr. Johnson and what is your personal address?

utterance: my address is three twenty-one.

utterance: Mhm.

utterance: Avon Road.

utterance: OK.

utterance: Nashville Tennessee.

utterance: OK.

utterance: Three seven two zero five.

utterance: OK perfect and your social?

utterance: My personal social is two oh one.

utterance: Mhm.

utterance: Eight seven.

utterance: Mhm.

utterance: Six nine.

utterance: OK.

utterance: Three seven.

utterance: OK and if you happen to have your driver's license number on you that would be a huge help.

utterance: I I do let me just go get and grab my wallet.

utterance: OK.

utterance: Sure.

utterance: OK, you ready?

utterance: Mhm.

utterance: All right the number is two two.

utterance: OK.

utterance: Zero seven eight.

utterance: OK.

utterance: Three one six.

utterance: OK.

utterance: And what state is that license to?

utterance: That's Tennessee.

utterance: Tennessee, OK. And what is your PIN number?

utterance: the PIN number on my account is two five.

utterance: Mhm.

utterance: Eight zero.

utterance: OK and your email address please.

utterance: it's Sam's luncheonette. At. At Gmail dot com.

utterance: OK.

utterance: OK, and is that a capital S or. Excuse me. Capital S?

utterance: Yes.

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

utterance: I am.

utterance: All right and what is the date that the business was established?

utterance: It's February twelfth.

utterance: OK.

utterance: Twenty eighteen.

utterance: All right and what is the business name?

utterance: Sam's Luncheonette.

utterance: Oh, nice. OK. Great. and so do you have your gross annual sales? Like your income on you?

utterance: I do.

utterance: You do, OK. .

utterance: Its

utterance: seventy-five thousand.

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

utterance: OK, hang on. OK, tax ID number is three one eight one seven five six three two.

utterance: OK. And what is the address of the business? The street address.

utterance: It's seventy-one hundred. Pine Street.

utterance: Mhm.

utterance: OK.

utterance: That's Hendersonville.

utterance: OK.

utterance: Tennessee.

utterance: Mhm.

utterance: Three seven two one one.

utterance: OK perfect. And what address would you like your mail to go to? The business or your personal?

utterance: business because I end up spending more time there than at home.

utterance: OK. OK and how much were you looking to borrow for the term loan?

utterance: I'm thinking sixty thousand dollars.

utterance: Sixty thousand.

utterance: Yeah, this way I could do some upgrades to the building on top of it you know.

utterance: You bet.

utterance: Great so just to make sure, the loan purpose is to expand?

utterance: Yes.

utterance: OK. So is that like a bill. You said there's a building next door that you're gonna like buy and incorporate into the luncheonette. OK. Perfect. And do you know how how long would you like to take to pay the loan back? Did you have an idea in your head?

utterance: Mhm.

utterance: Exactly.

utterance: I'm thinking ten years.

utterance: Ten years? OK. OK. All right so we're gonna need like some like your business certificate.

utterance: Mhm.

utterance: OK.

utterance: And any kind of like documentation from the IRS things like that.

utterance: OK.

utterance: as we're processing the loan so send in all your supporting business documentation and we will get back to you with the results of your application. Usually it takes about forty-eight to seventy-two hours but it could be. It could be shorter.

utterance: Right.

utterance: It could be shorter time but the most it will take is seventy-eight hours.

utterance: Yeah.

utterance: I mean I'm I'm sure today you know things are with the technology of today these things get either approved or denied which fingers crossed it's not gonna be denied. you know, .

utterance: Right. I don't think so.

utterance: I don't yeah I don't think so. You're you're an outstanding customer I can see on your account.

utterance: Thank you.

utterance: And also yeah just send us over a copy of your business license.

utterance: OK.

utterance: As soon as you can and we can get started on that right away. I know you're probably really anxious.

utterance: Oh I am, I am, I'm I'm I can picture it you know in my mind, the the finished product so.

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

utterance: I think that's everything for now. I hope to hear from you soon.

utterance: All right Mr. Johnson. Good luck and we'll talk to you soon.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Hello. Thank you so much for calling Intellibank today. How may I help you?

utterance: Hello, my name is Charlene and I was I'm not sure but I wanted to make a very big purchase which will mean that I have to spend a lot and I'm not sure about how much I have in my account.

utterance: Oh no problem. So would you like to check your balance?

utterance: Yes please if you can do that for me.

utterance: Alright no problem. I'll first I will gather a piece some piece of information from you so I can go ahead and check your credit card account for you. first can I have your name and date of birth please?

utterance: OK my name is Charlene Peterson and my date of birth is on the twenty-ninth of December, nineteen ninety.

utterance: Alright thank you so much Charlene and can I get your PIN number?

utterance: OK my PIN number is three five four six.

utterance: Thank you and can I get your credit card number please?

utterance: OK the number is four nine two nine three eight one three two seven five five two two two four.

utterance: Alright thank you so much for that and I'll just repeat it back to you. So that's four nine two nine three eight one three two seven five five two two two four?

utterance: Yeah that's correct.

utterance: Alright, thank you so much. So I do see you have a balance of five thousand four hundred and twenty dollars.

utterance: Oh that's fabulous.

utterance: Yes so is there any other credit cards that you'd like to check the balance of?

utterance: it was this one cuz it's the main one that I use mostly for my for my purchases and I can see it has enough, even more than enough than what I needed for the purchase.

utterance: Absolutely. would you like to know about online bank banking so you could check your balance easier that way?

utterance: Oh yeah, please educate me on that.

utterance: Absolutely. So Intellibank offers online banking through our app or you can do it online via our website. Our app if you would like to download it, it's call Intellibank. It's on the app store on iPhone and Samsung and once you download it you can do basically everything that you do at a branch. So you can make deposits via check you can make transfers and you could apply for other credit cards.

utterance: that's interesting. So it's basically most of the services that I can get from the bank through online without going there physically.

utterance: Correct. So you could check your balance online. you do could e-check deposits. So if you would like to deposit checks you just take a picture of the check. You don't have to go to a branch or anything to deposit it.

utterance: that's good to know. I'll I'll probably look for the app right away after this call.

utterance: Yes or you could download it right now and I could go over it with you if you would like.

utterance: OK. You said it's in the app store in the name of the bank?

utterance: Correct. Intellibank.

utterance: OK. I can just download it?

utterance: Yes, once you download then you can put your username and password and it will take you into your account.

utterance: am I putting the same username as the one that I use for my regular banking or it going to be a new username and a new password?

utterance: it will be the same as the previous one.

utterance: OK. Yeah. Yeah, I'm in and I can see it's basically everything everything I can do at the bank but just on internet at home.

utterance: Yes and are you able to see your account balance there?

utterance: Yeah, I can check my account balance. I can well see my recent purchases and bank statement.

utterance: Yeah so from now on you if you would like to check your balance in the future you can go to the app and it will tell you right there.

utterance: thank you, that's nice to know. And how's the weather over there?

utterance: Oh the weather is so nice here lately. It's so warm and so sunny. How about the weather with you?

utterance: Yeah over here it's real nice. It's warm, the sun is out which is really nice for to do mainly outdoor activities.

utterance: Absolutely. Well Charlene, is there anything else I can help you with today?

utterance: that's it for today.

utterance: Alright, thank you. Have a great day.

utterance: Thank you. You too, have a great day.


utterance: Good morning. Intellibank. This is Amanda. How may I help you?

utterance: This is Jennifer Johnson. I own a business and have an account there. I'm in need of assistance. I have some tax questions and I'm not really sure who to ask. Do you have anyone there that can help me?

utterance: Well, we do have a tax specialist here that may be able to help you. Would you like to set up an appointment with to speak with him?

utterance: Yeah that'd be great.

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

utterance: Jennifer Johnson and my birthdate is eight six two thousand.

utterance: OK. Do you know your account number?

utterance: No. I'm sorry I don't have it with me.

utterance: OK that's OK. What about a driver's license or an ID number?

utterance: I have my driver's license. If you can just give me one second I'll get it for you.

utterance: OK no problem. I'll wait.

utterance: OK I got it.

utterance: OK and what's that number?

utterance: It's F two six six one three eight two.

utterance: OK so that's F two six six one three eight two.

utterance: Yeah, that's right.

utterance: OK and would you like to set up an in person appointment or over the phone? So if you want an in person we can do that for you but we just ask all of our customers to make sure that they wear a mask due to covid as a precaution if you do wanna come in.

utterance: OK go ahead and set me up a walk in appointment please.

utterance: OK and could you give me your address please?

utterance: Yes, it's one eight four nine Ohio Lane, Louisburg, West Virginia two four nine oh one.

utterance: OK so that's one eight four nine Ohio Lane Louisburg, West Virginia two four nine oh one.

utterance: Yeah, that's right.

utterance: OK so based on your address it looks like you're going to have your appointment at your local branch in Louisburg and well from what I can tell looks like there's only one branch in that area.

utterance: OK.

utterance: All right and let's see what day would you like to come in?

utterance: The earliest that I can.

utterance: OK how about November the thirteenth?

utterance: All right that'll be fine.

utterance: OK would you like a morning or an afternoon appointment?

utterance: A morning appointment please.

utterance: OK let's see. How about ten a.m.?

utterance: That works.

utterance: OK let's see Jennifer your appointment will be with Tommy Lynden at your local branch on November thirteenth at ten a.m..

utterance: Thank you so much. Do you know what all he can help me with?

utterance: See well he's a tax specialist and an accountant so he can help you answer some tax questions and help you with your filing and preparing your taxes.

utterance: OK that sounds good.

utterance: OK so just make sure that you bring in all of your tax info with you. I would suggest that you bring all of your quarterly and annually reports, some balance sheets, maybe your cost of goods receipts, things like that so he can help you with your taxes to go over your paperwork. And I would also make a list of all of your questions in advance if you can.

utterance: OK what about the price?

utterance: Well that is something that he will going over with you at your appointment. OK?

utterance: OK.

utterance: All right so is there anything else that I can help you with today?

utterance: No. I think that's it.

utterance: OK are you already signed up for our online banking?

utterance: Yes I am but I never use it.

utterance: OK well I was just asking because you can also schedule your appointments with your tax specialist yourself using online banking.

utterance: OK I didn't know that. That's great. Thanks.

utterance: OK well you're welcome Jennifer. You have a great day.

utterance: You too. Just to confirm you did say ten a.m. right?

utterance: Yes ma'am that's ten a.m. on the thirteenth.

utterance: Great thanks.

utterance: All right bye bye.

utterance: Bye.


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

utterance: Hi, Carlton. my name is Andre Hall. I would like to add another person to my account if that's at all possible. Can you help me with that?

utterance: That is definitely something I can help you with today. could I have your first and last name?

utterance: Yes. The first name is Andre A N D R E last name Hall H A L L.

utterance: Got it. Thank you, Mr. Hall. Can I have your date of birth?

utterance: My date of birth will be April tenth nineteen ninety.

utterance: Tenth nineteen ninety. And the last thing I need to unlock your account is your PIN number.

utterance: Yes. The PIN is four nine seven two.

utterance: Four nine seven two. Excellent. All right. Just check over your account here. Please bear with me. All right. I see you have a gold card with us. Thank you so much. Congratulations on that.

utterance: Thank you. I I I love the new card. I really. it has great benefits.

utterance: Fabulous. Fabulous. All right. Everything seems to be up-to-date. Accounts are all in good standing. No payments due. Excellent. All right. So we're adding a new user today you said correct?

utterance: Yeah. Yeah. What would be the steps in adding a new user?

utterance: well you since you have a couple of different accounts, I need to know exactly which account you'd like to add them to and then I'd need you know all of their basic information. First name, last name, address, Social Security, driver's license, you know email, all that stuff.

utterance: OK. Sounds good. Yeah. I guess the first thing I heard you say was the account. So I it's my my business account that I would like to add them to.

utterance: OK. Well can you can you give me the the the number to that account?

utterance: Yes. It's two three four seven two three.

utterance: Two three four seven two three. Got it. And all right. Can we start off by giving me her or him, his first or last name?

utterance: Yeah. It's actually it's my father. His his first name is Lawrence L A W R E N C E last name Hall H A L L.

utterance: Got it. Lawrence Hall. And can I have his street address?

utterance: Yes. It is one seven zero zero A Street. That's just the letter A.

utterance: OK.

utterance: Waynesville Missouri two one zero two two.

utterance: Can you spell Waynes did you say Waynesboro?

utterance: Waynesville W A Y N E S V I L L E.

utterance: Got it. And the city and state?

utterance: The the city, that is Waynesville, and then the state is Missouri, and the ZIP is two one zero two two.

utterance: Two one zero two two. Got it. Missouri. All right. OK. I'm gonna need. I hope Mr. Hall has provided you with his Social Security number and driver's license. I'm gonna need that as well to add him to the account today.

utterance: Yeah. Yeah. I have his wallet right here. Let me just look through it.

utterance: Excellent. If you see a hundred dollars in there, I believe I left it there.

utterance: All right. OK. Here it is. This is his Social Security number. Are you ready?

utterance: I'm ready.

utterance: Two one zero seven three two one nine eight.

utterance: All right. Keep. And we're going to that driver's license number.

utterance: Yes. The driver's license number is six four two seven eight six.

utterance: That's six four two seven eight six?

utterance: Yes. That's correct.

utterance: All right. And that I'm assuming is Missouri as well?

utterance: Yes.

utterance: OK. Can I get a good email for Mr. Hall?

utterance: Yes. It will be Larry dot Hall. So that's L A R R Y dot Hall H A L L at Mail dot com.

utterance: All right. Larry dot Hall at Mail dot com. And his date of birth?

utterance: June twenty-second nineteen sixty.

utterance: June twenty-second nineteen sixty. Excellent. And finally, I just need a PIN for Mr. Hall to be able to access his account.

utterance: Fantastic. So the PIN that he would like to use is four nine six seven.

utterance: Four nine six seven. All right. This account is generating. One second. All right. We got Mr. Hall up and running today. He just received an email and he should be able to log into his account immediately.

utterance: Fantastic.

utterance: OK. Now that we got that done, is there anything else I can assist you with today?

utterance: No. That's all I needed.

utterance: Well thank you so much Andre and I hope you enjoy the rest of your day. Thank you so much for being a customer with Intellibank.

utterance: Thank you.


utterance: Hi, thank you for calling Intellibank. This is Ruby speaking, and how may I assist you today?

utterance: Hey Ruby, how are you doing today?

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

utterance: Yes ma'am, I sure am. I'm calling because we have just switched over we've switched our telephone providers and I need to update some personal information, specifically our phone number.

utterance: OK, that'll be no problem whatsoever ma'am. I do need to get some information from you so I can pull up your account. May I have your name please?

utterance: Yes ma'am, this is Trina, T R I N A, Bates, B A T E S.

utterance: Thank you so much Ms. Bates, and may I also have your birth date please?

utterance: Sure, it is October the twenty-ninth nineteen eighty-three.

utterance: Well thank you, Ms. Bates, and early happy birthday.

utterance: Oh well thank you, that's so sweet.

utterance: Yes ma'am. And may I have your pin number please?

utterance: Sure, it is seven seven nine five seven eight eight eight.

utterance: All right, I have seven seven nine five seven eight eight eight, was that correct?

utterance: Yes ma'am, that is correct.

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

utterance: sure, actually that was another thing I was going to check on. I'm pretty sure that y'all have our new email address already but just in case the old one was T Bates underscore one zero two nine at Gmail dot com, and the new one is Heilig underscore Myers at Horizon dot net. And the Healig Myers as H E I L I G underscore M Y E R S.

utterance: Thank you so much for that information Ms. Bates, and we do have your new one on file, the Heilig underscore Myers at Horizon dot net.

utterance: OK great, thank you.

utterance: Yes ma'am, and I am ready to go ahead and update your phone number for you.

utterance: OK, the one we're needing to change it from was the seven four zero nine two seven three zero eight seven, and our new phone number will be seven four zero three seven four two three eight nine.

utterance: OK, thank you so much, Ms. Bates. I do have your phone number updated and I have that as seven four zero three seven four two three eight nine, was that correct?

utterance: Yes ma'am, it sure is.

utterance: Thank you so much, Ms. Bates. Was there anything else that I could assist you with today?

utterance: Yes, actually we have two loans with you. If you wouldn't mind, could I go ahead and check the balances for those?

utterance: Yes ma'am, absolutely. Now, I am showing that we do have the secure loan as well as the SBA seven loan with you. Which would you like to check first?

utterance: let's go ahead and do the secured loan.

utterance: OK, absolutely ma'am. May I have the account number for that loan?

utterance: I am so sorry, I do not have that in front of me. Could I run and grab it out of the office real quick?

utterance: Yes ma'am, Ms. Bates. That's no problem whatsoever, just let me know when you're back.

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

utterance: OK Ruby, I'm back, and I do again apologize for the wait.

utterance: That's not a problem, Ms. Bates. Just go ahead with the loan number for the secured loan when you're ready.

utterance: OK, that is six zero nine nine three three six eight two nine.

utterance: I have six zero nine nine three three six eight two nine?

utterance: Yes ma'am, that is correct.

utterance: Thank you, just one moment.

utterance: I'm showing that balance as five hundred ninety-eight thousand four hundred eighty-one dollars and twelve cents.

utterance: OK, that's five ninety-eight four eighty-one twelve?

utterance: Yes ma'am, that is correct.

utterance: OK great, thank you. And let's see, the loan number on our SBA seven A loan is five eight nine one three three seven eight six nine.

utterance: I have five eight nine one three three seven eight six nine?

utterance: Yes ma'am.

utterance: Thank you so much, Ms. Bates. And I'm showing that balance as eight hundred thirty-six thousand four hundred eighty-four dollars even.

utterance: OK, good deal. That's eight thirty-six four eighty-four even, correct?

utterance: Yes ma'am.

utterance: OK great, thank you so much for your help today Ruby.

utterance: Thank you so much, Ms. Bates. Was there anything else that I could assist you with?

utterance: No ma'am, that'll be it. You've been wonderful, thank you.

utterance: And thank you, Ms. Bates, for calling Intellibank. You have a wonderful day.


utterance: Hello. Thank you for calling Intellibank. My name is Stephanie. How may I assist you today?

utterance: Hi, Stephanie. My name is Timothy. And I'm calling because I want to make a wire transfer to one of my external accounts.

utterance: Certainly, Timothy. you would like to do a wire transfer from one of our accounts to an external account. Is that correct?

utterance: Ding, ding, ding.

utterance: OK. Well, I'd be glad to help you with that today. let me get a little information from you so I can access your account.

utterance: Mhm.

utterance: All right, Timothy, can you spell your first name for me?

utterance: Yes. It's T I M O T H Y.

utterance: Great. And.

utterance: And my last name is Marlow. It's M A R L O W.

utterance: Thank you. So I'm just waiting for this screen to load. So forgive me if I repeat questions to you.

utterance: No worries.

utterance: OK, Timothy, your date of birth.

utterance: My date of birth is five six nineteen eighty-nine.

utterance: OK, five six nineteen eighty-nine.

utterance: That's right.

utterance: And the account number?

utterance: The account number is mm. Could you hold for a second?

utterance: Of course.

utterance: OK. Bank account number. Oh, got it. It's eight seven seven nine five zero.

utterance: Account number eight seven seven nine five zero.

utterance: that's right.

utterance: OK, and do you have a PIN number?

utterance: I do. It's six six two one.

utterance: OK.

utterance: OK great. All right and for security purposes what is the name of your childhood dog?

utterance: Baxter.

utterance: Baxter. All right, let me input that. OK, great. That does let me into the system. OK, Timothy, so I see here that we are looking at your business total checking.

utterance: Yes.

utterance: OK and what is the amount that you would like to transfer today?

utterance: Seventy-one hundred.

utterance: All right. And you said that you wanted to transfer this to an outside account?

utterance: Correct.

utterance: OK. Do you have a wire transfer or a routing number for me?

utterance: yes, I do, but one second. I have to go in my messages to get it.

utterance: OK.

utterance: I'm sorry I didn't have that ready before.

utterance: No

utterance: That's OK.

utterance: I know I'm taking up your valuable time.

utterance: And that's all right you're one of our customers here. we're here for you.

utterance: Oh, thank you. I got it.

utterance: Kay.

utterance: OK, six one five four nine seven six one one.

utterance: OK and are we transferring this to a domestic or international account?

utterance: It's definitely domestic. I've never even been out of my state.

utterance: OK all right what is that account number?

utterance: It's zero zero one seven six four. Also, quick question for you. about your silver card.

utterance: OK.

utterance: Mhm.

utterance: Our the the Intellibank business silver card, our credit card. OK.

utterance: Yes.

utterance: I have one question about that card. Does it also. Is it. Is it also a rewards card?

utterance: The silver card is not a rewards card. There are benefits to using the silver card. However, if you would like to accrue points, that is our business gold card.

utterance: Business gold card? I thought there was. I thought you had a black card.

utterance: no. The gold card is our our premiere card. Ours is gold. We have the gold card or the silver card. And there are benefits to both, but the gold one is the one that you can accrue points with to spend in local retailers, have a check mailed back to you, whatever your choice is.

utterance: Got it. Got it.

utterance: Did you want to apply for that today or have me send you any information about that?

utterance: yes. If you could email me some information, that'd be fantastic.

utterance: I sure. I sure will be glad to do that with the address I have on file for you here. All right, let me confirm what we're doing here for you today.

utterance: Mhm.

utterance: All right so. Sorry I'm going back to a different screen. So what we're doing is we're transferring seventy-one hundred dollars from your business checking account routing number six one five four nine seven six one one. And we'll be transferring that to a domestic account, number zero zero one seven six four.

utterance: That is all correct.

utterance: OK just hold for one moment while I process this transfer.

utterance: OK.

utterance: And I can tell that the funds will be available for you by the end of business day.

utterance: It's always by the end of business day.

utterance: It just. It just has to It just has to actually, it really. To be honest with you, it should be within an hour, but we should say by. We're supposed to say by end of business day. But it should be available within an hour.

utterance: OK.

utterance: All your transaction is complete. Everything is done. While I have you on the phone, are there any other questions I can answer for you?

utterance: no. I think that's gonna wrap her up.

utterance: All right, well, Timothy, it's been a pleasure speaking to you today. And I thank you so much for calling Intellibank.

utterance: Thank you.

utterance: Good night.


utterance: Hi, this is Dannie Brooks with Intellabank. What can I do for you today?

utterance: Hi, Dannie. This is this is Richardo Diaz and the reason for my call is because I I, I already have a card with you. I, I believe it's the it's the gold card.

utterance: the silver card, it's the silver card. I started out with the cash back card, then I, I think I got the silver card, my wife actually has the gold card but, I wanted to see if I could potentially upgrade to the platinum card.

utterance: OK.

utterance: That, that's the main reason for my call.

utterance: OK, yes. I'd be happy to help you with that.

utterance: So, usually the first step that we go through is getting your account information. So, just help you fill out the application.

utterance: OK.

utterance: Sure.

utterance: so, let's start with getting your full name, you said Richardo?

utterance: Yes.

utterance: Richardo Diaz.

utterance: And is that D I E Z or D I A Z?

utterance: D I A Z.

utterance: OK.

utterance: Great. And what's your birth date?

utterance: It is twenty-fourth of December, nineteen ninety-seven.

utterance: Oh, wow. Christmas Eve.

utterance: Yeah, yeah, I I'm a little gift.

utterance: OK, so December twenty-fourth, nineteen ninety-seven?

utterance: Yes.

utterance: OK, great.

utterance: And, before I proceed, I'm gonna need to verify some information for the security of your account.

utterance: Whatever you need to know.

utterance: OK, can I get the PIN for your account?

utterance: Yes, it is four zero three.

utterance: OK. And you set up some security questions when you created your account, so I'm gonna just go ahead and ask you those.

utterance: OK, no problem.

utterance: OK. What was your favorite childhood book?

utterance: Oh, I

utterance: This is very I believe it was one fish two fish red fish blue fish. Am I. Am I.

utterance: OK.

utterance: OK, great. And the final question. What's your father's last name?

utterance: Oh, yeah, last name. Araiza, A R A I Z A.

utterance: OK, that's not showing up, but I may, I may have misspelled it. Could you go ahead and repeat that?

utterance: Yeah. Yeah. So

utterance: A R A I Z A, Araiza.

utterance: OK, of course, it's there. I'm sorry, I must have input that wrong.

utterance: It's OK, yeah, people get it wrong all the time.

utterance: OK, so I am pulling up your account right now.

utterance: And so you were thinking of upgrading your credit card?

utterance: I'd like to do that, yeah. I you know, I from, when I've been on your website, there's just better rewards.

utterance: And just perks with the platinum card, and I think I, I use the card enough where it would probably be better to just go ahead and upgrade it.

utterance: Of course. OK so, on your end, we would have you log into our system and there's a part that says apply for a card.

utterance: And there's another tab underneath that that says upgrade card.

utterance: OK.

utterance: And when you do that it's going to ask you to verify some of your information including your net income. So, do you know what you net income is or would you like me to pull that up for you?

utterance: Actually, I'm gonna need you to do that for me. Because.

utterance: OK.

utterance: Of course, I'd be happy to help.

utterance: OK, so I'm gonna pull it up for this year. Just one moment, please.

utterance: Thank you.

utterance: I'm sorry, we're having just a, a momentary delay in our system.

utterance: Oh,

utterance: that's OK, take your time.

utterance: OK, just one moment.

utterance: OK, I'm pulling it up now, and it says that your net income for this year was two hundred thousand.

utterance: OK, OK, yeah so, yeah, when I originally got the card, mine income was around a hundred thousand so would you, do you think I would, I would qualify for this upgrade?

utterance: I believe so. But the best way to find out is, like I said, to go ahead in the system and put it in cause it's, it will calculate whether you can or cannot.

utterance: OK, so for the gold card I do pay the yearly membership fee. With the platinum fee there are no no yearly fees, correct?

utterance: that's correct.

utterance: All right, all right, OK. And, if I do submit this application will it effect my credit? Will it like will it show on my credit report, like an, an inquiry?

utterance: yes. Usually when you do it is a soft inquiry. And it shouldn't affect it for too long. Once you start using that credit card and start making payments with it your credit should go back up to reflect that.

utterance: OK.

utterance: OK, so yeah. I'd love to just go ahead and submit over the phone for this upgrade.

utterance: OK, great. I can put it in the system right now.

utterance: Perfect.

utterance: OK, just one moment.

utterance: Thank you.

utterance: OK, so what I did there was I applied for the upgrade. I put in your information, and the system is processing it. It usually takes one to two business days to get back to you, so, you should expect a call then. You will get an email into your inbox just saying we have the application.

utterance: That's perfect. Thank you so much for your help.

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

utterance: That's it, thank you.

utterance: OK, have a good day.

utterance: You too.


utterance: Hello. Thank you for calling Intellibank. My name is Cassandra. How cam I help you today?

utterance: Hello Cassandra. My renovation is taking longer and costing a bit more than I expected. Can I apply for a new line of credit to take to take care of those costs?

utterance: Absolutely, sir. I can go ahead and process the line of credit request in our system. First, I'll need to get a little bit of information from you, so I can go ahead and set that up, if you don't mind?

utterance: I don't mind.

utterance: All right, sir. Let me go ahead and pull up my screen. All right. Can I have your first name please?

utterance: Yes. My first name is William.

utterance: All right. And your last name, sir?

utterance: Grayson.

utterance: All right, Mr. Grayson. Thank you so much. Can I have your street address, please?

utterance: Yes. Street address is thirty-five seventy-eight Clinton Street.

utterance: And the city?

utterance: Little Rock.

utterance: And the state please.

utterance: Arkansas.

utterance: And could you give me that ZIP code as well?

utterance: Seven two two one one.

utterance: OK, sir. That was thirty-five seventy-eight Clinton Street in Little Rock, Arkansas. Seven two two eleven.

utterance: Yes.

utterance: OK, sir. And could you give me your Social Security number next?

utterance: Yes, my Social Security is four three two eight six three nine six nine.

utterance: OK, sir. To verify, that number was four three two eight six three nine six nine?

utterance: Yes.

utterance: Thank you so much, sir.

utterance: And my birthday, in case you need it, is five twelve nineteen seventy-four.

utterance: OK, sir. Thank you so much for that. And could you give me your driver's license number, please?

utterance: My driving license number is four eight two two one nine one ninety-four.

utterance: OK, sir. And the state?

utterance: Arkansas.

utterance: All right. And that driver's license number was four eight two two one nine one nine four. Correct?

utterance: Correct.

utterance: And could you give me your account PIN please?

utterance: Yes. The PIN is five five two three.

utterance: And could you list the email you would like to use for this account?

utterance: Yes. The email is Grayson W S A S twenty ten at Gmail dot com.

utterance: OK. Sir. To verify, that was Grayson W S A S twenty ten at Gmail dot com. Correct?

utterance: Yes.

utterance: Yes.

utterance: Thank you. And what is the business name you have?

utterance: Yeah. Shucks.

utterance: All right. That was Shucks Auto Supply?

utterance: Yes, ma'am.

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

utterance: Yes, I am.

utterance: OK. And what are your gross annual sales?

utterance: My gross annual sale is three hundred and twenty-five thousand.

utterance: And could you give me the establishment date of that business, please?

utterance: Yes. That is nine five two thousand ten.

utterance: All right. Nine five twenty ten?

utterance: Yes.

utterance: All right, sir. Next, I'll need your tax ID number, please.

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

utterance: OK, sir. To verify, that number was five six five four three four six six zero?

utterance: Yes.

utterance: All right. Thank you so much. And could you give me your business address, please?

utterance: Business address is five five one Lincoln Drive.

utterance: And your city?

utterance: Little Rock.

utterance: And state?

utterance: Arkansas.

utterance: And what was that ZIP code, sir?

utterance: Seven two two one one.

utterance: All right. To verify, that was five five one Lincoln Drive in Little Rock, Arkansas, seven two two eleven?

utterance: Yes.

utterance: OK, sir. And which mailing address would you like to use for the paperwork we'll be sending to you, sir?

utterance: Your home or business?

utterance: business please.

utterance: OK, sir. I'll make a note of that.

utterance: OK.

utterance: And what purpose are you going to be needing this loan for, sir?

utterance: Equipment purchases.

utterance: OK. You said you need to make equipment purchase?

utterance: Yes.

utterance: All right, sir. Thank you so much. And what is the credit limit you'll be requesting?

utterance: twenty-five thousand, please.

utterance: OK.

utterance: You would like a credit limit of twenty-five thousand?

utterance: Yes.

utterance: OK, sir. Thank you so much. Could you give me just one moment while I complete your request for a line of credit?

utterance: All right. So Cassandra, are you looking for the holidays or what? What's your plan for it?

utterance: Yes, sir. I am looking forward to the holidays. This year I'm gonna actually be hosting so it's gonna be an adventure.

utterance: Oh, yes.

utterance: Yes.

utterance: That sounds like it's fun.

utterance: Well, I've never hosted before. It's usually my mother and she. She spends all day. At least two three days preparing. So I'm a little scared cuz I haven't done it before. So.

utterance: Well you've seen what she do. I think you can handle it.

utterance: yeah. I think I'm going to recruit my sisters in this though. they're gonna be eating.

utterance: Oh yeah yeah Oh yeah that's a smart idea

utterance: Just in case you mess up, you can blame it on them.

utterance: Yes, that's absolutely the truth, sir. And do you have any plans this holiday season, Mr. Grayson?

utterance: yes. I might head down to my sister house. She's gonna cook with her five kids.

utterance: Oh no.

utterance: And everything.

utterance: You know. But, you know. It's it's gonna be an adventure. It's gonna be a good adventure.

utterance: Oh, I believe so. That is a full house, sir.

utterance: yes, it is.

utterance: All right, Mr. Grason. I've gone ahead and processed that request in our system. next, you'll have to send in your supporting business documents. And then we'll be able to get to you with the results of your application. That normally takes between five and fourteen business days to go ahead and process your application and send back the actual results. So we can send it to you via email and your mailing address if you would like? And you can also send in those documents, sir, via email, mail, or you can get our use our fax, that's gonna be sent in with this information to you.

utterance: All right. Sounds good.

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

utterance: No, that's about it.

utterance: All right. Thank you so much Mr. Grayson for your time and patience. Again, my name's Cassandra and I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you, sir. Bye bye.

utterance: Bye bye.


utterance: Thanks so much for calling Intellibank. My name is Chanta and I will be glad to assist you today May I ask who I'm speaking too?

utterance: Hi Chanta how are you?

utterance: I'm pretty good how are you?

utterance: Yeah I'm I'm doing great thank you.

utterance: Oh that's nice did you have a nice nice lift in your voice.

utterance: I feel like a lift today.

utterance: Sounds good. OK I'm gonna call you a lift how about that?

utterance: Well.

utterance: Ba dum

utterance: Bump. You feel like a lift OK.

utterance: yeah.

utterance: Oh let's see if we can take you outta this mood.

utterance: OK.

utterance: what may I do for you today sir?

utterance: OK I just wanna get a couple of things done. Let's do the the first one is that I wanna change the to paperless. And from the delivery of my statements.

utterance: OK, so no more paper statements. You wanna go to

utterance: No more paper statements.

utterance: Yeah.

utterance: Electronic? OK.

utterance: Electronic.

utterance: Please. Yes please.

utterance: All righty.

utterance: That'd be great. Thank you.

utterance: May I ask your name please?

utterance: My name is Marco.

utterance: Marco M A R C O?

utterance: M A R C O.

utterance: And your last name please.

utterance: Nayser.

utterance: N A S S E R?

utterance: Nay A Y N A Y.

utterance: N A Y.

utterance: Ser S E R.

utterance: OK, great. And your four digit PIN number please?

utterance: Seven three two one.

utterance: Seven three two one. OK, and can you please verify your date of birth?

utterance: Yes, it's twelve five nineteen eighty-two.

utterance: OK, twelve five nineteen eighty-two.

utterance: Uh-huh.

utterance: OK. Let me pull this up for you.

utterance: Yeah.

utterance: OK, so I see you have your checking account with us, a credit card as well as your real estate loan with us, so we'll be changing all of these to electronic verses paper statements.

utterance: Yeah Intellbank really likes to spend of lot of paper.

utterance: I know it's the way but fortunately everyone seems to be switching over so that's great.

utterance: Yeah.

utterance: All right so bear with me one moment while I change the .

utterance: Oh I'm sorry I said

utterance: I meant Intellibank.

utterance: Oh I I missed that too. All right. Yes we are Intellibank. Boy I must need a cup of coffee I'm sorry I missed that.

utterance: You're my last call of the night so.

utterance: It's OK.

utterance: Oh.

utterance: You're calling it after this, good for you. You sound like you need some rest.

utterance: Yeah.

utterance: Oh sorry about that.

utterance: Peace and love.

utterance: Yes yes on all points but I'm doing I'm doing good I am blessed I must say.

utterance: That's nice.

utterance: Alright so I have changed this to your to paperless billing.

utterance: Great.

utterance: Great, great, great, great, great.

utterance: Great.

utterance: So that is done and you said there was something else you wanted to do?

utterance: Yeah I wanted to add a user account.

utterance: You want to add a user to one of your accounts?

utterance: Yeah.

utterance: OK to your credit card?

utterance: Yes.

utterance: OK very good you have the ability to add anybody that you'd like and just bear in mind that the questions I'm gonna ask you is gonna sound like it they're applying for a credit credit with us that's not the case but I just need the same basic information as if you were applying just for your own security.

utterance: OK.

utterance: That makes sense.

utterance: Yeah let's go for it.

utterance: OK great and then I also have to tell you that if you do see back on your statements you may see some paper statements generated for four to six weeks so don't worry if that happens the process has been processed the process has been processed there we go it's been processed. Alright so who what is the name of the person you'd like to add to your account?

utterance: It's Marco Junior Maser.

utterance: OK. And is that the same address as you? Or it's a different address? OK.

utterance: Yes. No he's living with.

utterance: Me right now.

utterance: OK great.

utterance: That's my son.

utterance: Right OK I see your looks like your home address and your business address and your mailing address are all the same.

utterance: Uh huh.

utterance: All right so I'll use that as his address?

utterance: OK.

utterance: Can I have his social security number?

utterance: Yeah let me just pull it up for you.

utterance: OK.

utterance: Eight nine five six three seven two four one.

utterance: OK, very good. And does he have a drivers license number?

utterance: Do you need that as well?

utterance: Yes.

utterance: OK. It's D L seven two one. three nine eight six.

utterance: Mhm.

utterance: Mm.

utterance: Great and do you want to have him have an email address associated with this, or shall I just use yours?

utterance: Just use mine. I'm gonna be watching what he buys and doesn't purchase.

utterance: OK.

utterance: OK.

utterance: And. Let me see here and shall he have the same unlimited use of the card as you do? Or are there any limitations you'd like me to put on there like a spending limit?

utterance: Yeah, five hundred for him please.

utterance: OK.

utterance: Yeah.

utterance: So once he. If he spends. He'll sign under his name and once he hits five hundred dollars, there will be a limit per month on that.

utterance: That's right.

utterance: All right that's all I need to process this did you have any other questions or anything else I can answer for you?

utterance: No I think you've been really great. Thank you so much.

utterance: Thank you for bearing with me tonight Marco and I appreciate your business thank you for for calling Intellibank.

utterance: You're so wonderful.

utterance: Good night.

utterance: Good night.


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

utterance: Yes, this is Monica Stephens.

utterance: OK Ms. Stephens can I get your date of birth?

utterance: Yes. One one nineteen sixty.

utterance: One one nineteen sixty?

utterance: Yes.

utterance: OK. New Year baby.

utterance: Yeah. Woo.

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

utterance: Yes, Organic Peach at Gmail dot com.

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

utterance: Yes. P G one three three seven four eight.

utterance: Seven four eight?

utterance: Yes.

utterance: OK. How can I help you today Ms. Stephens?

utterance: Yes I wanted to open up a corporate credit card.

utterance: OK. We can do that. All right. Just gotta ask you a couple questions.

utterance: OK.

utterance: What's your business name?

utterance: Tina Incorporated.

utterance: OK. And what's the address?

utterance: It's eleven thirty-seven Apple Street. New York New York, one zero zero zero thirty-two.

utterance: OK. All right. And also can I get your tax ID number?

utterance: Oh yeah. Two three six seven nine zero.

utterance: OK. Do you have a business PIN?

utterance: Yes I do.

utterance: OK. Let me get that.

utterance: OK it's four eight seven two.

utterance: OK. OK and just to get a ball park, what was your annual gross for last year?

utterance: It was about thirty thousand.

utterance: Thirty thousand?

utterance: Yes.

utterance: OK. All right, everything seems good. All right we offer three cards. We have a silver card that has no annual fees and no cashbacks. so you get just a standard rating on that.

utterance: OK.

utterance: we have our gold card where you get two percent cashback and a hundred dollar rating. cashback only works with gas and groceries. we also have a platinum card where two percent cash back hundred dollar R rating, but you get cash back on every purchase that you have. That's including online purchases.

utterance: OK. Let me get the gold.

utterance: Gold?

utterance: Yeah.

utterance: OK we can do that. And we're doing this and we're putting this on your business account?

utterance: Yes.

utterance: OK can I get that account number?

utterance: Eight eight zero zero one four five five six zero zero. Nine eight.

utterance: OK. All right. Give my system a chance to catch up.

utterance: OK.

utterance: How are you doing today?

utterance: I'm doing great. I'm doing great. Trying to take care of a little bit of business. And be on my way.

utterance: And just in time for the weekend huh?

utterance: Oh yes.

utterance: I don't blame you for that. OK Ms. Stephens looks like everything's in order. your business card will be going to your actual business address.

utterance: OK.

utterance: it should take one to five business days. most people get it within two to three. but once you do receive it you should get an email confirmation that you would You received it and they will still give you everything from your ratings to balance to everything else. Mkay. also if you, since we connected it to your business account if your if you have the app if should be able you should be able to look on there as well for your balance and your ratings. And actually if you need to change anything you can change it through the app as well. OK?

utterance: All righty.

utterance: Right.

utterance: Oh that's good.

utterance: That's fine.

utterance: OK.

utterance: All right. Anything else I can help you with today?

utterance: no. That's about it. I let's see if there's a balance in that account?

utterance: The business account?

utterance: Yes.

utterance: yeah. Check that out. Yeah you're sitting at seventy-five thousand six hundred and fifty-two cents.

utterance: All right. OK thank you I appreciate that.

utterance: OK.

utterance: No problem that that's all?

utterance: Yes that's about it. Thank you.

utterance: OK Ms. Stephens thank you for calling Intellibank. You have a lovely day.

utterance: You too bye bye.

utterance: Bye bye.