utterance: Thank you for calling Intellibank. This is Judas. How may I help you on this fine fall evening?

utterance: Oh hello Judas. Oh, I I just need some information about my credit card balance that's due.

utterance: OK, that should not be a problem at all whatsoever. We can take care of that for you and I will be happy to help.

utterance: Thank.

utterance: Thank you.

utterance: So, to get us started I am going to just need your first and last name. As it appears on your account.

utterance: Mhm.

utterance: And that would be Mary Laride.

utterance: All right. And I'm going to need your date of birth.

utterance: OK. Eleven eleven, seventy-eight.

utterance: Judas, is it a biblical name?

utterance: you know, I am not sure. It was my grandfather's name.

utterance: Mhm.

utterance: But I'm not exactly a biblical person.

utterance: Was he?

utterance: I don't know. You know, I never met him.

utterance: Never?

utterance: Never met him.

utterance: And you share the name.

utterance: Yup.

utterance: Mm.

utterance: Oh where were we here. I I'm going to need your social security number.

utterance: Mhm.

utterance: And I'm also going to need your state issued ID or driver's license.

utterance: K, it's going to be six two zero three one four one four one and driver's license D nine eight seven one two three.

utterance: All right.

utterance: Mhm.

utterance: now I just need your four digit pin.

utterance: K, seven seven one seven.

utterance: All right. I am pulling up your account here. Hold on one moment.

utterance: Thank you.

utterance: Thank you.

utterance: How's your day going today?

utterance: Oh, thank you for asking. It's great. It's so good. How's your's?

utterance: Very good.

utterance: Yeah?

utterance: OK, I am showing multiple accounts with us. Thank you very much for being a multi account customer.

utterance: Yes. I actually. I would like to open another account if that's available.

utterance: Oh yeah, that won't be a problem at all.

utterance: Perfect.

utterance: would you like to begin by filling out the application for that account? Or would you like to start by checking your credit card balance?

utterance: Check the balance.

utterance: And that was balance due?

utterance: Mhm.

utterance: All right, it shows here that you have our Intellibank Gold Business Card and our Intellibank Platinum Business Card.

utterance: Mhm.

utterance: Mhm.

utterance: which one of those would you like to check the balance of?

utterance: The Platinum please.

utterance: All right and to do that I'm just going to need your sixteen digit account number. That is located on your card.

utterance: OK and that would be eight eight one two six four three two one two two one one zero eight.

utterance: Fantastic and just so you know.

utterance: Yes.

utterance: for opening up a new account or applying for a new loan or credit, you don't have to do that on the phone with me, though you can.

utterance: Mhm.

utterance: Mhm.

utterance: you can also do that online.

utterance: Mhm.

utterance: by using our online services at WWW dot Intellibank dot com.

utterance: Ooh.

utterance: Or by downloading our app to your phone.

utterance: Mhm.

utterance: Which is available at any app store, depending on if you have a Android or Apple device.

utterance: Oh, perfect.

utterance: OK, well I have that information up for you and it looks like your credit balance due on this account is twelve hundred ninety-two dollars and thirty-six cents.

utterance: Twelve hundred ninety-two thirty-six. OK.

utterance: Would you like to check the balance on another card or move on to that account application?

utterance: I think I'll do the application online. You said it's available online?

utterance: Yes, very easy. I see here that you don't have an online account.

utterance: Right.

utterance: So what you're gonna do is once you go to our website.

utterance: Yes.

utterance: Which once again is Intellibank dot com.

utterance: Intellibank dot com.

utterance: You're gonna enter all of the information that I just asked you for.

utterance: Mhm.

utterance: But the good news is, once you enter it the first time, you're never going to need to enter it again.

utterance: Oh perfect.

utterance: Your. That's going to sign you up for a online account.

utterance: OK.

utterance: And then when you come back in the future you're just gonna need your email address and your four digit pin to log in.

utterance: Mhm.

utterance: OK, great.

utterance: And not only will you be able to apply for that loan there, but you'll also be able to check your credit card balances.

utterance: Perfect.

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

utterance: OK, that's gonna do it.

utterance: Great. Well thank you so much for calling Intellibank. You have a wonderful rest of your evening. And please have a happy and safe Halloween.

utterance: Thank you.

utterance: Thank you.

utterance: You're welcome. Goodbye.

utterance: Goodbye.


speaker_role: Agent

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

speaker_role: Customer

utterance: yes. I need to open an savings account.

utterance: OK and did you mean the Intellibank smart savings account?

utterance: Yes. The one for businesses. Yes.

utterance: Yes, sir. That is the Intellibank smart savings.

utterance: Yes.

utterance: OK. I can certainly help with that. let me just get some information from you here real quick. Can I have your name please?

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

utterance: All right. Thank you very much Mr. Thomas and can I have your personal address?

utterance: Thirty-six Edgemont Lane Canyon Country California nine one three eight seven.

utterance: OK and that's thirty-six Edgemont Lane Canyon Country California. ZIP code nine one three eight seven. Is that correct?

utterance: That's correct.

utterance: Great. Thank you and your social security number please.

utterance: Three nine five two six eight zero one one.

utterance: OK and to confirm that is three nine five two six eight zero one one. Correct?

utterance: That's correct.

utterance: Thank you and your drivers license number and the state that it was issued in?

utterance: OK. Hang on a second while I get it.

utterance: No problem, sir. Just let me know when you're ready.

utterance: OK. I've got it.

utterance: All right sir. Whenever you're ready.

utterance: O M five three D V H A I Q nine. California.

utterance: OK. Thank you and I'll read that back now. That is O M five three D V H A I Q nine and in California. Correct?

utterance: That's correct.

utterance: All right. Thank you very much and then a security PIN number for you, sir.

utterance: One zero six two.

utterance: All right. That's one zero six two. Is that correct?

utterance: Yes.

utterance: Thank you and then the email address that we can reach you at, sir?

utterance: Thomas customs at Gmail dot com.

utterance: OK. Thank you very much and then, what is the name of the business that you are applying for this savings account under?

utterance: Thomas custom cabinets.

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

utterance: yes. I am.

utterance: Thank you and what was the date that that business was established?

utterance: July fifteenth two thousand eight.

utterance: Ok. Great. Thank you very much and then do you know the gross annual sales of your business?

utterance: Three hundred and fifty thousand.

utterance: All right and the tax ID number for your business, sir.

utterance: OK. Let me get it.

utterance: No problem. Just let me know when you're ready.

utterance: OK. I've got it.

utterance: OK, sir. Whenever you're ready.

utterance: Four five six eight two four five three one.

utterance: All right. That is four five six eight two four five three one. Correct?

utterance: That's correct.

utterance: All right. Thank you very much for that and then I will need the address for your business.

utterance: Seventy-six Sunbeam Drive Canyon Country California nine one three eight seven.

utterance: OK. That's seventy-six Sunbeam Drive in Canyon Country California. ZIP code nine one three eight seven. Correct?

utterance: Yes. That's right.

utterance: Great and then the mailing address that you would like the mail for this account to be sent to?

utterance: let's send that to my business address which is seventy-six Sunbeam Drive.

utterance: OK. Thank you very much and just to confirm that is seventy-six Sunbeam Drive Canyon Country California nine one three eight seven?

utterance: That's correct.

utterance: Great and then you were wanting to open the Intellibank smart savings account. Correct?

utterance: Yes.

utterance: Great and then what would you like the initial balance or initial deposit to be into that account?

utterance: Five thousand.

utterance: All right. Thank you and what is the account number for the account you would like to make that initial deposit from?

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

utterance: OK. That is seven three zero six nine five six eight two nine. Correct?

utterance: Correct.

utterance: Great. And then I just need the routing number for that account.

utterance: One seven zero five five four nine two one.

utterance: OK and that's one seven zero five five four nine two one. Correct?

utterance: Correct.

utterance: All right. Great. OK, Mr. Thomas. I've got that savings account opened for you with an initial deposit of five thousand dollars.

utterance: OK. Sounds great. How's the weather been doing where you're at?

utterance: Oh! The weather's been pretty mild here really. just good fall weather.

utterance: Yeah? Same here. I like it.

utterance: Oh! That's really good. All right. Is there anything else that I can help you with today?

utterance: I don't believe so.

utterance: All right Mr. Thomas. Well, thank you very much for choosing Intellibank and if you have any questions or concerns you can always feel free to call us back here at the call center or you can also go through the online banking portal and we do have technicians that can help you online as well.

utterance: All right thank you.

utterance: Thank you. You have a fantastic rest of your afternoon.

utterance: All right. You too.

utterance: Thank you. Goodbye.


utterance: Hello. And thank you for calling Intellibank. My name is Matilda, and I will be assisting you on this call today. Who do I have the pleasure of speaking to?

utterance: Hello, Matilda, my name is William Robinson.

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

utterance: I'm doing well. I'm doing well.

utterance: Great.

utterance: the reason I'm calling today is because I was wanting to get some information about your SBA loans. The five oh four.

utterance: OK. be happy to assist you with that. and also, just to let you know, any of our loans can also applied on the phone, over online as well as through the mobile app, so I'm happy to assist you anyway I can.

utterance: OK.

utterance: All right, and did you have any specific questions about the five oh four or do you want just a general overview?

utterance: I was wanting a general overview. Looking to upgrade some equipment. So, I was wanting to see if this is a good option for that.

utterance: OK. Well the five oh four is gonna be generated more towards shall we say, real estate, mortgages. of course there's no reason that you can't use it for equipment or things related to the business. within that property. the its also a little different from like a general term or secured loan through us because the SBA is funded through the government.

utterance: So, the requirements aren't as strict. A little easier to obtain overall and the interest rates are far lower and because of everything going on with the pandemic, the SBA loans have been extended.

utterance: OK.

utterance: OK, well there, there has been a a property I've had my eye on. So this might be a a good option to do that. Intellibank has been real good to us, so we've we will look and see what we can do. So, what's the process that we need to do to, to get started?

utterance: So, I'll just be asking you for some information so I can upload it into the system. you'll just also wanna make sure if you don't have it, that you have your driver's license, your tax ID number, cuz I will be asking for that as well as some other information.

utterance: OK.

utterance: All right, you ready to go ahead and proceed then?

utterance: Yes, I'm ready.

utterance: OK, great! And William, will we be doing the loan under your name?

utterance: Yes.

utterance: OK. I mean I know it'll be under the business, but just for, you're the person applying.

utterance: Right. William Robinson.

utterance: OK. R O B I N S O N?

utterance: Correct.

utterance: OK. Great. And your home address?

utterance: Two seven eight nine, Oak Court It's Los Angeles California. Nine zero zero zero eight.

utterance: OK.

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

utterance: OK, that's nine four six, eight nine seven, four two nine five.

utterance: OK. Terrific. Driver's license and the state where it was issued?

utterance: California driver's license, six two six three two three, eight one eight one.

utterance: OK. and what is the best email address for us to have for you?

utterance: you can reach me at will rob at estate dot com.

utterance: Terrific.

utterance: And William, are you the sole owner of your business?

utterance: Yes.

utterance: Terrific.

utterance: And when did you establish your business?

utterance: it was ninety-seven. June twelfth.

utterance: Oh.

utterance: Great! That's more more information than I thought for that far back.

utterance: Huh.

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

utterance: Last year was five hundred thousand.

utterance: OK.

utterance: And your tax ID number?

utterance: Two four nine, eight two seven four seven eight nine.

utterance: All right. And, the address for your business, or for your future business.

utterance: Six one eight nine, Oriole Drive.

utterance: Oriole, did you say?

utterance: Oriole, O R I O L E.

utterance: OK.

utterance: Great.

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

utterance: Yes.

utterance: It's the same. Los Angeles California, nine zero zero zero eight.

utterance: Terrific. And William, how much would you like to apply for for the loan?

utterance: one hundred thousand.

utterance: Hundred thousand, OK. And then for the terms, we can do up to a ten year loan. and I definitely would always recommend going for the full ten years because you can pay it off faster if you'd like, but because the interest rates are so low for an SBA, generally around between one to three percent, doesn't hurt to take advantage of that. But it's up to you.

utterance: OK, and just to be clear, you said there's no pre-payment penalty if I pay it off early?

utterance: No, there's not.

utterance: OK. All right, let's go for the full ten then.

utterance: OK, great. And then, there will be a down payment required upon approval.

utterance: It's generally between five to twenty percent. how much would you like to put down for your first down payment?

utterance: Five percent.

utterance: Five percent, you got it.

utterance: OK, and I see here that you do have your business checking with us. The business total checking.

utterance: So, I will go ahead and, upon approval, fund find that routing number for the deposit.

utterance: OK.

utterance: And that's all I need from you on my end for the for the excuse me, the SBA five oh four loan. I did just send a link to your email address there will be a link to upload two photo documents, your tax ID number, and your driver's license.

utterance: That will finalize the loan, and you should hear back within seven to ten business days.

utterance: OK. Seven to ten business days. That was going to be my second, that was gonna be my my question I was gonna ask, so good, thank you.

utterance: Absolutely.

utterance: Is there anything else that I can assist you with today, Mr. Robinson?

utterance: no. Intellbank has been good. So thank you so much for your help today.

utterance: OK, and just to let you know, should you need any other services like getting exchange rate, ordering checks, we can do that for you here too.

utterance: OK. Sounds great.

utterance: What is the exchange rate?

utterance: Oh, you'd like to know that? Not a problem. Certainly, would you prefer American currency to what type of currency?

utterance: Well, we're going to be going to Greece here in about a month, so. Euros? Is that Euros?

utterance: OK. OK, terrific.

utterance: Yeah, let me check that here for you.

utterance: OK, compared to the American dollar, the Euro is coming in at point eight five.

utterance: OK.

utterance: A little bit outside there. OK. Free tip. .

utterance: Yeah.

utterance: All right, is there anything else I can do for you today?

utterance: no. I don't believe so.

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

utterance: Thank you, Matilda.

utterance: Mm.

utterance: Bye bye.


utterance: Good evening. Thank you so much for calling Intellibank my name is Pamela and I will be here to assist you with outstanding customer service.

utterance: Hi Pamela, how are you doing?

utterance: I'm doing just great. How are you tonight?

utterance: I'm just you know wanna get, get on with it.

utterance: OK.

utterance: so my name is Ray.

utterance: Hey Ray.

utterance: Probably need my information, and my email is Ray.

utterance: Oh, you know Ray I'm gonna stop you just for a minute.

utterance: let me just find out what you're calling about and I might not need as much info as you think.

utterance: Oh, Great. Yeah I just basically I want to I want to know about the traveler card.

utterance: OK.

utterance: The traveler card?

utterance: Yeah.

utterance: OK. Are you talking about a credit card?

utterance: Yeah.

utterance: OK. we have. We have two different types of credit cards. We have the business gold card and we have the business silver card.

utterance: and the gold card has points associated with it.

utterance: Uh-huh.

utterance: Which you can earn for travel. So maybe that's where you're coming up with travel card?

utterance: The yeah the traveler card or something. Is it travelers card? Or travel card?

utterance: We don't actually have one called travelers card. We have our gold card and our silver card.

utterance: Oh, OK. OK.

utterance: But you can't.

utterance: The gold card can earn you travel points.

utterance: Oh, OK. I see. So that's. That's for if I want to do international travel?

utterance: You can yeah anything that you'd like. You can use it for international travel, local travel. You can buy a lunch with with it here right here wherever in your hometown.

utterance: OK.

utterance: Oh wow it's like crypto. OK. So I guess my question is first of all can you pull up my account number?

utterance: I you sure. Let me start by gathering some information for you.

utterance: Yeah.

utterance: from you. Ray? Is is that your full name or do you go by Raymond?

utterance: Yeah.

utterance: Ray. It's actually. I just go by Ray.

utterance: OK. And your last name?

utterance: Kleiser. K L E I S E R.

utterance: OK.

utterance: All right. And may I have your four digit security PIN that you created?

utterance: Sure thing. It's two zero six four.

utterance: Two zero six four?

utterance: That's right.

utterance: OK.

utterance: Just bare with me one moment while it's loading.

utterance: Mhm.

utterance: OK. All your different accounts come up. I. Your credit card, your checking, your savings and your loan.

utterance: OK.

utterance: OK? And All right. Everything's loaded.

utterance: And what questions can I answer for you?

utterance: Well first of all, what's the exchange rate for the yen?

utterance: For the yen?

utterance: Yeah.

utterance: OK. and let me take a look at this here for you.

utterance: Uh-huh.

utterance: Are you just looking at a exchange rate? are you going to be doing a transfer at the moment?

utterance: Yeah I'm going to be doing a transfer for a friend.

utterance: OK. All right. So the American. Compared to the American dollar the yen is coming in at two point two five percent.

utterance: Two point two five percent. OK.

utterance: or two point two five in.

utterance: Well what was it la~

utterance: Yen.

utterance: Currency.

utterance: Right. What was it last week, do you know?

utterance: Last week? Let me look.

utterance: Two point three seven.

utterance: OK. Hold on. Two point. Two points seven. OK. and so if I were to wire about a thousand dollars right now what am I looking at?

utterance: In terms of how to do it? In terms of what the dollar amount.

utterance: In in in terms of

utterance: what the dollar will be. What will. what's the value of a dollar of a thousand?

utterance: Wha~

utterance: OK. Let me look that up for you.

utterance: To calculate that.

utterance: If I transfer that over.

utterance: Well I guess what they will be receiving.

utterance: What

utterance: They would be receiving would be for a thousand American dollars they would be receiving eight hundred and seventy dollars.

utterance: OK. Eight hundred and seventy dollars.

utterance: OK great. hmm.

utterance: It's kinda hard to. To think and this is. With Intellbank I just feel like they've their percentages are high. There's some other places that I feel like it's it's a little lower than that.

utterance: well at Intellibank just to let you know, we don't set the the rates for the currency. that's set up by the Federal Trade Commission. So this this is a national and international system. We just follow those guidelines.

utterance: Oh okay.

utterance: Yeah we can't. We can't change that. We. We'd love to give you more for your dollar but for something like that, that's just out of our hands.

utterance: I see.

utterance: I see. All right. Well that answers all of my questions.

utterance: Well if you have any other questions feel free to give us a call. or also know that any of this information is actually available to you online as well. you could look under our website, you'd see categories and look. There's a a column for yen exchange rate. And if we're off business hours you can look there and get that same information.

utterance: Yeah.

utterance: OK, great.

utterance: OK. Awesome. Thank you.

utterance: Is there anything?

utterance: Else I can do for you tonight?

utterance: That.

utterance: Is it, you've been a wonder.

utterance: Thank you and have a great night.

utterance: You too. Bye bye.

utterance: Bye bye.


utterance: Good Afternoon. Thank you so much for calling Intellibank, my name is June and I am here to assist you today and provide outstanding customer service. Who do I have the pleasure of speaking to today?

utterance: Hi yeah, you're speaking to James Chase.

utterance: Hi James, how are you doing today?

utterance: Doing OK.

utterance: Oh well I hope I can make your day better.

utterance: Thank you.

utterance: What can I do to assist you today, James?

utterance: OK, so I I I would like to apply for a corporate credit card.

utterance: just, you know, I've just been, my business is is not doing too great. I'm kind of in debt because of the pandemic and you know. It's just this whole thing is just like really just dragging down and I need a little bit of little bit of raft, you know? Like a little bit of a financial raft and I think that the hopefully the corporate credit card, my debt before my debt turns my credit score into crap I do we need to figure out a way to use a little bit of if I can get this credit card.

utterance: You know, I'm sorry to hear that.

utterance: Sure.

utterance: A little bit of this credit line to to make some ends meet so I can get out of this debt.

utterance: Mm. I I I hear you. You, James, a lot of people are in your situation but I would be glad to do this. I can actually process this application right over the phone for you.

utterance: Yeah.

utterance: OK.

utterance: and for our corporate ye~

utterance: That's great.

utterance: Yeah, and for our corporate credit cards, we have the Intellibank Business Gold Card and the Intellibank Business Silver Card.

utterance: Yeah.

utterance: OK, what's the interest on those? Cuz that's what got me in trouble in the first place. cuz I feel like is it fixed, is it w~

utterance: the interest rate ranges between fourteen to twenty-two percent and that's set by the FCC and it will also be determined by your credit score and your credit ratings. So, you will find out once the application has been approved of what the interest rate is.

utterance: Wow. Fourteen to twenty-two percent?

utterance: Yeah that's that's for the range.

utterance: OK. All right, let's do it. Yeah, let's just do it.

utterance: Would you like getting a a and.

utterance: And are we doing the Gold or the Silver today, I'm sorry, you may have said and I.

utterance: well, what what's the one with the less

utterance: The Gold.

utterance: With the less interest rate?

utterance: Yeah, the Gold has the potential for the for the

utterance: All right, let's do the Gold.

utterance: OK, sounds good. and you said your name is James Chase?

utterance: Yeah.

utterance: What is your social security number?

utterance: yeah it's Six seven two eight.

utterance: Six seven two eight OK and Your driver's license number please and the state where it came from?

utterance: Yeah, my driver's license number is it's D L seven three two six five eight and it's from Houston, Texas.

utterance: OK, very good and your four digit pin number please.

utterance: Yeah it's seven two eight nine.

utterance: Seven two eight nine and the email address?

utterance: Email address is Chasing Dreams at chase dot org.

utterance: OK. Chasing dreams at chase dot org.

utterance: That's right.

utterance: Nice. I like that.

utterance: Yeah.

utterance: And the name of your business?

utterance: Chasing dreams.

utterance: That's what I thought.

utterance: Yeah.

utterance: OK and are you the sole business owner?

utterance: Yes.

utterance: Very good.

utterance: It's a non-profit.

utterance: For kids.

utterance: But yeah. But it's it's tough right now, you know.

utterance: Oh.

utterance: Sure.

utterance: Hence non-profit.

utterance: I hear you yeah. But good for you for doing something like that.

utterance: Yeah.

utterance: Yeah.

utterance: When was your business established?

utterance: Oh, it was about three years ago.

utterance: OK. so

utterance: So about

utterance: Two thousand and nineteen.

utterance: OK

utterance: and do you?

utterance: December.

utterance: Of two thousand and nineteen.

utterance: Thank.

utterance: You. I was gonna ask if you knew the approximate month.

utterance: Yeah.

utterance: OK very good. And your gross annual sales?

utterance: Gross annual sales we're looking at what about ninety thousand.

utterance: OK. And your tax ID number?

utterance: Tax ID number is seven two eight six nine two two eight four.

utterance: Very good. And the address for your business?

utterance: Five two Sherlock Lane Houston, Texas, seven three two nine eight.

utterance: Very good. All right, Oh and the mailing address is the same as your business?

utterance: Mailing address.

utterance: Is the same as the business that's right.

utterance: OK.

utterance: Very good. All right so I am processing this right now when we're done with this conversation, a link will go out to your email address confirming your application there will also be a link in there to view the application and the only thing that we will need to finalize it will be a copy of your tax ID number and your driver's license. There will be a separate link to upload into the system in that email.

utterance: That completes your application. It's just that easy. Is there anything else I can do to assist you today James?

utterance: Yeah, just prey for me. Thank you so much.

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

utterance: Thank you, bye bye.

utterance: Bye bye.


utterance: Hello thank you for calling Intellibank my name is Sharona and how may I help you today?

utterance: Hi I'm trying to get access to my account but the app isn't working. It's very buggy. I mean you guys only have like two point three stars but

utterance: Oh

utterance: No. may I ask have you done an update for the app?

utterance: I have. I have the latest version and actually its a little more buggy than the previous version but I've also tried the website well on my phone the mobile website I haven't tried the computer yet because I'm not home.

utterance: Oh OK.

utterance: Sure sure.

utterance: But I just cannot get access to my account and I just I just really need to do something very simple and I'm just I I I have to call you to do it.

utterance: Of course it's a very frustrating. I I understand what is it that you were trying to do?

utterance: I need to update my address.

utterance: Oh well that shouldn't be a problem at all and and just so you know if you were having any problem accessing the website on your phone it would be the same on your home computer its I'll definitely make a note of this to report it in just in case that there's some maintenance update going on right now but they should know about that and again I'm sorry for the inconvenience but I'm here to help you.

utterance: Cool.

utterance: Sir if I can just get a little information so I can help you, may I start with your first and last name please?

utterance: Yes my name is Ricky Mann that's two Ns M A N N.

utterance: OK and can you spell Ricky? Is it R I C K Y?

utterance: R yes.

utterance: OK didnt know if there was an I E or something something fancy.

utterance: My parent's aren't that creative I mean Ricky?

utterance: are you listed with as Ricky or Richard?

utterance: Ricky.

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

utterance: Yes its seven eighteen eighty eight.

utterance: Seven eighteen.

utterance: Yeah, July eighteenth.

utterance: Nineteen eighty-eight. OK? Just I'm freezing here a little bit too so give me one second let me just let my screen update here.

utterance: Yes.

utterance: OK.

utterance: OK got your date of birth in there and there's also a four digit pin associated with your account.

utterance: Yes, could you hold for a second?

utterance: Of course.

utterance: Got it six one oh no that's not it.

utterance: That's OK.

utterance: Sorry, one second.

utterance: OK I got it. It's seven one two three.

utterance: Seven one two three.

utterance: Yes.

utterance: OK yes that did go through and just for security purposes because we do value your privacy and your security I just need to ask you one security question, what is the name of your childhood pet?

utterance: Dogaugust that's dog and then August.

utterance: I like that it I do see here that that is correct but I I like that that's the most unique name I've heard before. Do you mind if I tell you the name of my dog?

utterance: Sure.

utterance: His name is mister Gentlemen.

utterance: That is funny is he in like a little doggy tuxedo?

utterance: well at the holidays I do put a bowtie on him I am one of those people.

utterance: That's hilarious.

utterance: Right now with the cold weather though I do have him in a sweater just because he needs it.

utterance: Well I hope he lives up to his name.

utterance: He's he is he's the light of my life so he's pretty wonderful well let me get back to what your calling for which is updating your address.

utterance: Yes.

utterance: OK and just by pulling up your account I see that you have your business gold card with us, credit card and you also have the business total checking so thank you for your valued patronage.

utterance: I have the profound checking as well I dunno if you saw that one.

utterance: Profound we don't have one called profound but let me check here OK thank you I do see that you are a business preferred checking account member too.

utterance: Oh yes.

utterance: Preferred, I always forget the name of that.

utterance: Well it is profound to have valuable customers so I can see the effort Alright so let me go ahead and get the oh address we have on file as located on Locust Street so ill take that one out.

utterance: Yeah, we've been meaning to get away from the locuses.

utterance: Yeah I was gonna say some of these street names OK so what is the current address you'd like me to change for you, change it to?

utterance: Six one eight nine.

utterance: OK.

utterance: Mane Street.

utterance: M A I N or N E?

utterance: M

utterance: M A N E.

utterance: OK Mane Street.

utterance: Yes.

utterance: All right. And the city and state?

utterance: supply issue New Mexico. ZIP code is eight seven three one one.

utterance: OK Ricky let me just repeat back to you its six eight one nine Mane Street in Supply New eight seven three one one.

utterance: That's correct.

utterance: Alright let me just put this through.

utterance: OK.

utterance: It is confirmed and a confirmation number has been sent to your email address.

utterance: Excellent.

utterance: Did you need the confirmation number now?

utterance: I'll get that from my email thank you so so much.

utterance: You're so welcome is there anything else I can help you with tonight?

utterance: You've been rockstar I think you should take a break.

utterance: I love that idea thank you, I'll tell my supervisor.

utterance: Alright.

utterance: Thank you Ricky you have a wonderful night.

utterance: Thanks.

utterance: Thank you for calling Intellibank.


utterance: Good evening and thank you for calling Intellibank. My name is Abigail. How may I help you tonight?

utterance: Hi. Well I was I'd just like to see what my debt income ratio might be. See I'm I'm getting kinda nervous because the cost on the overhead has been you know it's just been kinda getting me worried. I've had to take out a a loan as you know just to help pay for some of the staff and I'm thinking maybe it's kinda going overboard in terms of what I I could pay later so I just yeah. I'm I'm just looking to double check everything and just seeing you know if I could easily make that up which I think I can. Don't get me wrong. I don't know why I'm telling you this but anyway.

utterance: Sure.

utterance: No it's I understand. It's actually good that you're asking. A lot of people don't think of asking that and.

utterance: Yeah I'm just trying to see if we got this really nice kid Deborah. She's she's real sweet but I just don't see a place for her and might have to lay her off which is gonna stink. She's like.

utterance: Yeah.

utterance: Yeah you know.

utterance: Yeah.

utterance: If it makes you feel any better I get calls like this all day long. This past year is it's been it's been just horrible for so many people.

utterance: Yeah.

utterance: No anyway I'd like to check.

utterance: All right well let me start, just to pull up your information. May I start with your first and last name please?

utterance: Sure

utterance: Thing. My name is Aaron. Sonsini. S O N S I N I.

utterance: I'm sorry. S O N.

utterance: Son sini. S I N I.

utterance: . Sonsini. That sounds I was just gonna say it sounds Italian. and Aaron is A A R O N?

utterance: Italian.

utterance: Italian.

utterance: A.

utterance: A R O N and .

utterance: OK.

utterance: Great. Sonsini. I have Italian in my family too.

utterance: And that's that's my last name.

utterance: Oh OK. You of course. You just told me that. OK Aaron and may I please have your four digit PIN number please?

utterance: Yeah it's eight one seven six.

utterance: OK and your date of birth just to verify.

utterance: Sure thing. It's August ninth nineteen ninety-six.

utterance: OK great. OK thank you so much. I am now able to access your account information and I do see Here. I'm gonna be I'm gonna be plugging in the numbers with ya. I'm just verifying. We're looking at your you have your Intellibank Business Silver Card. of course you have your Checking and Savings with us. and I see that you're carrying two loans with us. you have your real estate loan and you have your let's see here. I'm sorry my screen is freezing. All right. I see you have your secured loan with us.

utterance: Yeah, I'm tryna.

utterance: Yeah I've got both of those and ?

utterance: Well I do want to say I know things have been challenging and I see a couple of times where you've paid the minimum payments but I do want to congratulate you because I am actually looking at you for the past eighteen months and what I s~

utterance: Pretty

utterance: Solid over all you think?

utterance: Yeah. I mean I'm gonna get you the debt to income ratio but what I do see.

utterance: OK.

utterance: Deborah's job is on the line.

utterance: yeah. What I do see is that you are paying at least twenty percent over the minimum. your always on time. In fact you're early. and I can actually see a general credit score I know you're you're not asking for that?

utterance: No

utterance: I'm just trying to look. I usually try and pay like at least three times every two months. That sounds That looks right?

utterance: But you.

utterance: Right.

utterance: Yeah so your credit score is actually looking great but in the meantime let me pull up the debt to income ratio. Because I know you're also looking at the you know what you're carrying with us in terms of a balance. Ideally you'd wanna be twenty percent or under.

utterance: OK.

utterance: Yeah.

utterance: Mhm.

utterance: Yeah.

utterance: And you are coming in right now at twenty-one percent.

utterance: And so I mean listen between twenty and twenty-five percent is still considered in the good range. Twenty percent in or nineteen percent and under falls under the excellent range and I'm also seeing a trend over the past eighteen months. I mean at one point your debt to income ratio was coming in at twenty-eight percent.

utterance: Yeah.

utterance: And to have it drop to twenty-one percent within less than eighteen months is pretty outstanding. So that actually is calculated into your overall credit score.

utterance: OK so that's pretty promising.

utterance: Yes absolutely. So not to tell you what to do with your business but if you're gonna be looking at any of the SBA loans that are still popular right now.

utterance: I think I'm OK. I think I'm just kinda getting a little neurotic but I'm OK.

utterance: Well no if you

utterance: If you're just wanting to stay afloat that that's a great way to do it. Mr. Sosini, is there anything else I can do this evening? Wonderful. Thank you so much for calling Intellibank and I wish you continued success.

utterance: No I think we're good.

utterance: You too.

utterance: Bye bye.


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

utterance: I'd like to change the phone number on my business account.

utterance: Absolutely, I'll be glad to assist you with that sir. if I can just ask, what is the first and last name on the account?

utterance: Freeman.

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

utterance: Ray's Construction Company.

utterance: All right. And Mr. Freeman, if I could let me just pull up your information and in order to so I'll need to verify your account.

utterance: Mm.

utterance: We do this because account security is very important to us and it's really for your protection. Are you OK if I ask you a few questions?

utterance: Sure, go ahead. I'm ready.

utterance: All right, terrific. And Mr. Freeman, if you would, what is your business address?

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

utterance: All right, and let me repeat that for you. That is.

utterance: It is eight

utterance: Zero.

utterance: Three six eight eight Layman Court, Smyrna, Georgia?

utterance: That's correct. That's correct.

utterance: And I I you were saying what was the ZIP code sir?

utterance: The ZIP code was three zero zero eight oh.

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

utterance: That's correct.

utterance: All right, terrific. And Mr. Freeman, what is your date of birth?

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

utterance: Terrific, terrific. And Mr. Freeman, also what is your account number with us?

utterance: Oh that account number is is is nine eight four six five nine one.

utterance: Thank you for that, and also finally here Mr. Freeman, what is the PIN number for your account?

utterance: that PIN number is one seven zero nine.

utterance: OK, terrific.

utterance: Thank you very much and the number that we want to update, we wanna update from that seven seven oh two two zero five eight five nine to four four two two seven six zero seven three.

utterance: OK, one moment let me see if I can get that screen pulled up for you. you're ahead of the speed for my computer there Mr. Freeman.

utterance: Oh yeah it be like that sometimes.

utterance: and Mr. Freeman, if you would go ahead and give that number to me again, of that you want to change the number to.

utterance: That number is four four two two seven six zero seven three.

utterance: OK that's four zero four two two seven s~

utterance: Six.

utterance: Zero seven three.

utterance: Six zero seven three?

utterance: That's correct.

utterance: All right. And yes sir, I was able to go ahead and process that for you.

utterance: OK. And also what's my credit line? I mean on that account. I need to know.

utterance: what I'm working with. How much I'm working with.

utterance: Oh absolutely. and let's see here, I was of course let me go let you know that we were able to finalize updating the phone number on the account, and as I pull up your line of credit here with us Mr. Freeman, it appears that the available credit limit on your account is five hundred thousand.

utterance: Oh, that that that sounds good, that sounds good. I can work with that.

utterance: And Mr. Freeman, are you aware of when your next payment is due on your credit line?

utterance: Think it's somewhere around the between the third and the tenth of the month.

utterance: yes sir, that's correct. Your payment is due on the third of every month. November third is when the next payment is due in the amount of one thousand two hundred and twenty-two dollars.

utterance: Oh OK, that's sounds good. We can do that now, no problem.

utterance: And Mr. Freeman, is there any other questions that you may have?

utterance: No no the question I had to get that number updated because of the other number, we had to get that changed but had get that get it updated as soon as possible so we could be our communication lines would be on be on be on point when we need to we talk to one another.

utterance: Absolutely there Mr. Freeman. I certainly understand that and just so that you're aware, you can also go online, you or anyone on your team that's authorized as a user of the account, to visit us at our website and from there you call pull up your account information. So if you have questions such as what is your available line of credit, if you have questions as far as needing to frankly update your business address, your phone number or check even your checking account balance you can do that right there online at your convenience and at your discretion.

utterance: Oh that sounds good, thank you very much.

utterance: Mr. Freeman, is there any other questions that you might?

utterance: that'll be all for right now. I appreciate your time, thank you very much.

utterance: All right, well we certainly appreciate you giving us a call and please do give us a call again.

utterance: Thank you very much, you have a good day.

utterance: Thank you now, bye bye.

utterance: Bye bye, bye bye.


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

utterance: How you doing Jerry? I was I was going to stop by the branch, there's one not far from me, but somethings got home and call and I want to open up a savings account. Could you tell me how that work?

utterance: I'm certainly, happy to assist you with that. so you're interested in our business smarts saving account?

utterance: Yeah, that's correct.

utterance: right well it's very simple sir. All you need to do is we could take your information right here over the phone and get you set up likely within, ya know, less than say about five minutes or so? And we would just need to get the information to fund your account and you would then have access to our smart savings account, where we offer you very competitive interest rates on your savings, held in an account that is insured, FDIC insured so you have keepings for your funds, plus of course the tools we offer you so that you're able to monitor your funds and and mange them with tools such as saying exactly what transactions your doing in your account, seeing that dates of it, helping you with booking keeping and tracking of your records.

utterance: Oh that sounds good.

utterance: Well, with that being the case sir, would you like for me to go ahead and we can get you started right here over the phone now.

utterance: Yes sir, please.

utterance: Oh.

utterance: All right, and what's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is the name of your business?

utterance: All raised construction company.

utterance: All right, and Mr. Freeman, if I can ask, what is your personal address?

utterance: my personal address is one forty-one Oakwater Avenue, Avondale Estate, Georgia. Three zero zero two.

utterance: And what is your email address?

utterance: My email address is B Freeman at Raise Construction dot com and my phone number is four four two two seven six zero seven three.

utterance: And what's your social security number?

utterance: Oh my social security number is three two five zero six eight two six eight.

utterance: And what is your tax ID number?

utterance: My tax ID number is nine eight three four five six seven eight nine.

utterance: And what is your business address?

utterance: Oh, my business address is three six eight eight Lamar's Courts, Millen, Georgia. Three zero zero eight zero.

utterance: and hey been there for a while its very good neighborhood very profitable neighborhood even got a a grocery store by the block down in front of me, ya know. So and a Pizza Hut so you got plenty of things in the area and I have nice parking lot for for people to come and to inquire about the business and so it's very good area.

utterance: Good, I'm glad that you like the location of your business it's I'm sure something that your employees or your team their probably is of course as appreciative of as well.

utterance: Oh yeah, cause they cuz just they can go down the street and get some lunch, you know if they want to.

utterance: Well that's great, I mean location is key often in in most things.

utterance: Oh yes, location is very important. It depends on what you are doing but location is very important if you want to be seen.

utterance: Yeah I agree, I agree Well Mr. Freeman if I could ask, what is your mailing address?

utterance: Oh my mailing address is three six eight eight Layman Court Smyrna Georgia. Three zero zero eight zero.

utterance: And are you the soul owners of your business?

utterance: Yes sir.

utterance: And when did the business start?

utterance: It started May the seventh nineteen eighty-four.

utterance: Okay and what is the annual sale for your business?

utterance: I would say from ten to fifteen million a year.

utterance: Okay, so would it be fifteen, you know, fifteen million, would it be ten?

utterance: Sort of I'll put around, I'll put around fourteen million.

utterance: Alright so fourteen million?

utterance: Yeah.

utterance: And what is the amount that you are looking to deposit into your smart savings account?

utterance: Oh I want to start with fifteen thousand.

utterance: Alright, okay and what is the routing number of the bank that you wish to transfer funds into to fund this deposit?

utterance: Well that routing number is is six nine five eight seven nine eight nine seven, and that's the routing number.

utterance: And what is the account number?

utterance: That account number is nine eight four six five nine one nine.

utterance: And what is the pin number that you want to create for this account?

utterance: That PIN number let's let's let's let's try one seven nine five.

utterance: Alright and let's see here. by the way what is your driver's licence number?

utterance: My driver's licence number is zero nine two five nine eight two two.

utterance: And what is the state of that?

utterance: Oh that's the state of Georgia.

utterance: Alright. Well Mr. Freeman I think I have everything here and put into the system in order to create a new savings account for you and what will happen is once we authorize and process the transfer of the deposit of fifteen thousand into your account those funds will be available for your immediately once the deposit is processed.

utterance: Well that sounds good.

utterance: That sounds real good.

utterance: And we will obviously with the email address you gave email you your new account number and with us so that's where you'll receive your account number.

utterance: Oh thank you. That sounds good.

utterance: Mr. Freeman is there any thing else I can assist you with?

utterance: No, that'll be all, that'll be all everything was taken care of real quick and in a timely fashion. I thank you so much.

utterance: Well we thank you for choosing Intellibank and of course we appreciate the business.

utterance: Thank you.

utterance: You have a great day.

utterance: Yeah you too. Bye bye.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank customer service. My name is Jarvis and I am here to help all your banking needs. How can I help you?

utterance: OK Jarvis, you're the fifth person I've spoken to. I've been redirected so many times. Please tell me you're the the the guy I'm supposed to talk to. I I just need some money. You guys are my bank, I've had account for you guys for a while. I need like a loan or something. and it's just please tell me you have the answers for me. Don't redirect me to anybody else. Or at least direct me to the person that I'm actually supposed to talk to. Are you able to help me with like a loan or something?

utterance: Yeah I think I can help you out with all your financial needs. in order to get a better understanding of your situation I'm gonna have to ask you for some identifying information. I'm so sorry if you've had to give this multiple times with several agents.

utterance: I have but fine, let's do it.

utterance: OK well can I get your first name and last name please?

utterance: First name Tyson. Last name McGee.

utterance: And can you spell that last name for me?

utterance: M C G E E.

utterance: Thank you. And can I get your street address please?

utterance: Three three zero East Mission Road. Temecula California. Nine three five five one.

utterance: Fantastic, and can I get your Social Security number please?

utterance: three one three six one three one five three.

utterance: Thank you. And bear with me, I'm going to be asking some more information. Can I get your driver's license please?

utterance: OK driver's license D six seven six zero four four two.

utterance: And what state would that be? Fantastic, and what is the PIN for the account?

utterance: California.

utterance: Five two five six.

utterance: Great, thank you. And what is your email for your account?

utterance: Email address is just T McGee at Gmail dot com.

utterance: Fantastic. And what is your business name?

utterance: Yo Yo Smoothies.

utterance: That's great. And are you the sole owner of this business?

utterance: Yes.

utterance: Great. What was the establishment date of your business?

utterance: I just opened this about two years ago. So, what's today? It was about October two thousand nineteen.

utterance: Great, and what were your gross annual sales?

utterance: eighty-five thousand.

utterance: Fantastic. And how about your tax ID? What is your tax ID?

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

utterance: Fantastic, and can I get your business address as well?

utterance: Yeah it's five one five Temecula Parkway suite two oh four in Temecula California nine three five three seven.

utterance: Great, and is this a good mailing address for you as well?

utterance: Yeah, same.

utterance: OK I'm gonna go ahead and put that as your mailing address. Now you had asked information about what kind of loans or credit we can offer you. we have several options. Are you familiar with what we offer at the bank?

utterance: I think so, yes.

utterance: And did you speak with previous customer service agents about about what kind of credit or loan you would like?

utterance: I'm not sure. Yeah, I I spoke to several agents. I just need some money, man. I need some some capital. Tell me what's my best options based on my credit and yeah my account.

utterance: Well, it seems like it seem like you are in a healthy financial standing relatively now. the type of money that we can issue to you is dependent on the purpose of your loan. So, what what would you be using this this this money for?

utterance: OK, so I need need about twenty thousand I would say and I need it cuz I'm I'm expanding doing some outdoor seating area. So just in terms of like licensing and like fees that I gotta pay the city to open up this outdoor space and like you know chairs and umbrellas and stuff like that.

utterance: Alright well, based on the amount that you want and the services that you're going to be doing, I recommend to to apply for a line of credit. I recommend this because then you don't have to pay interest on a total sum. You can only pay interest on the small amount that you borrowed of the total limit. So compared to let's say a loan you would be paying interest on the total amount of the loan. Let's say you took out twenty thousand, you'd pay let's say three percent on that twenty thousand. Whereas for the credit limit if you have twenty thousand limit and you only use ten thousand of that limit, you'll only be paying three percent on that ten thousand. Does that make sense?

utterance: yeah it does.

utterance: OK, does the does the credit limit sound like something that you would like to apply for?

utterance: yeah and yeah I think so. Let's do it.

utterance: OK, and let's see. What kind of. What would be the credit that you're looking for?

utterance: Let's do I don't know what do you like I need. I wanna open. I wanna expand my business, open some outdoor space, but it is the winter. You'd still. Well, you like smoothies? Would you would you get a smoothie and and and drink it outside?

utterance: I I love smoothies. I have them every day before after I work out. It's my daily workout.

utterance: Even when the even when the weather's kinda cold?

utterance: Even better.

utterance: OK. Great, you know what? Actually, I like that. I think I might have to raise the amount I need though cuz I also gotta get some heat lamps then, right? So let's do let's do forty K. Can I do forty thousand dollars line of credit?

utterance: Yes, it's definitely within our power to do that.

utterance: OK, let's do that.

utterance: All right. So I'm gonna go ahead and put in your application for a forty thousand dollar credit limit. just bear with me, it's going to take a couple of days to approve but you will be getting an email and a new card in the mail very shortly. is there anything else I can help you with?

utterance: That's it.

utterance: All right, well please hold on the line for a brief survey and we can get some feedback from you. Thank you very much for being customer here at Intellibank.

utterance: Thank you.

utterance: Take care.


utterance: Hi. This is Robin Forsyth at Intellibank. How can I help you today?

utterance: Hi. I'm looking to get the net income report for my business for the year twenty nineteen.

utterance: OK, I would be happy to help you figure that out today. Can I start by getting your full name and your date of birth?

utterance: Yeah, it's Laura Rivers. And my date of birth is December seventh, nineteen eighty-four.

utterance: December seventh, nineteen eighty-four. OK, Laura, I'm gonna go ahead and pull up your account. Can I start by getting the PIN number associated with it?

utterance: For sure. It's two four three five.

utterance: Two four three five. OK, great. And before I can proceed any further, I do need to go ahead and verify some security information for the safety of your account.

utterance: OK.

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

utterance: Yeah, four six eight zero.

utterance: Four six eight zero. OK. And when you created your account, you did set up a few security questions, so I'm gonna go ahead and ask those now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: it's Jackson. It's spelled J A C K S O N.

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

utterance: I went to Rosita High. I probably typed it in as RHS.

utterance: RHS. OK, great. Thank you, Laura, for verifying that information for me. I am able to verify your account, so let me just have one second to pull it up.

utterance: Amazing.

utterance: OK, so I am in your account. And you mentioned that you wanted to get your net income for twenty nineteen.

utterance: Yeah, please.

utterance: OK, give me just one second to generate that. OK, so it looks like for twenty nineteen, your net income was eighty-eight thousand two hundred.

utterance: OK, awesome.

utterance: Did you want me to generate any other reports for you, or is that it?

utterance: that's it. But can you actually email that. I think that the email on file should be Laura dot Rivers at Gmail dot com.

utterance: Let me double check. OK. Yes, it is Laura dot Rivers at Gmail dot com. So let me go ahead and generate a report on that and send it to your email. Give me just one moment.

utterance: Awesome. Thank you so much.

utterance: You're welcome. OK, so I did go ahead and send that. It should be coming in the next few minutes. If it doesn't, sometimes it does take a few hours, so just double check. And if you still haven't received it, go ahead and check your spam folder because sometimes our clients do find that it goes there.

utterance: Oh, I think I just got it, so.

utterance: OK great. That one. That one went pretty fast.

utterance: Yeah.

utterance: Thank you.

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

utterance: Yeah. I think. So I was told by a friend that you guys have like specialists that like assess the risk of my business, or was it my investments?

utterance: Yeah, so we do have risk specialists who identify possible risks, which could result in lower cash flow and entire insurance rates for your business.

utterance: Oh, OK. Yeah.

utterance: So.

utterance: So did you want to go ahead and get scheduled with one of those?

utterance: Yes, please.

utterance: OK, I can go ahead and do that. Give me just one second to pull up our scheduler.

utterance: Great. Thank you.

utterance: OK, so I do have our so I do have our scheduler in front of me. Is there a specific day that you wanted to have a meeting with our risk specialist?

utterance: probably a Friday.

utterance: Friday. This upcoming Friday?

utterance: Yeah.

utterance: OK. Give me just one second. And did you wanna have that meeting online or in person?

utterance: let's do in person.

utterance: In person. OK, great. Can I go ahead and get your ZIP code from you?

utterance: Yeah. It's nine zero zero one nine.

utterance: Nine zero zero one nine. OK, give me just one moment. OK, so it looks like the nearest one is on our South Robertson Ave branch. And is that OK with you?

utterance: That sounds perfect.

utterance: OK. Yeah, yeah, it's it's pretty close, it looks like. So I'm gonna go ahead and pull that up. Is there a specific time that you wanted this to happen?

utterance: probably the later in the day, the better.

utterance: OK, let me see what we have available. So we have one at three-thirty p.m.. We have another at four fifteen. And our latest one is five p.m..

utterance: do you think the. Yeah, five p.m. is great.

utterance: Five p.m.. So I have you down for Friday At our South Robertson branch for five p.m. in person. OK, let me see who's gonna be on duty at that time. OK, it looks like you're gonna be speaking with Shonda Smith. So she should be able to help you identify some of the possible risks. And you should be receiving an email with that information shortly. Is there anything else I can help you out with?

utterance: No. That's all. Thank you.

utterance: Thank you. Have a lovely day.


utterance: Thank you for calling Intellibank. My name is Daisy. How may I help you?

utterance: Hi, Daisy. my business and I just moved to a new office space, so I need to update a piece of personal information on my account.

utterance: Sure, I'd be happy to help you with that. Let's go ahead and pull up your account. What is your full name and address?

utterance: George Emery. One twenty one, Parkside Acres, Branson Missouri, five five three two four.

utterance: Thank you. What is your date of birth?

utterance: September twenty first nineteen ninety-nine.

utterance: Thank you, Mr. Emery. What is your Intellibank PIN number?

utterance: My PIN Number? I have it I have it written down here. do you mind giving me a second while I go look for that?

utterance: Not at all. Take your time.

utterance: Thank you.

utterance: all right I've got it here it is sixteen sixty-two.

utterance: Thank you can you verify your checking account number for me please?

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

utterance: And you'd like to update your business address on file?

utterance: That's right.

utterance: What is the new address?

utterance: It's eighty-four Bluebird Court, Fenton, Missouri, five five three two four.

utterance: Thank you. I have went ahead and made that change in the system. In just a moment I'll have a confirmation number for you.

utterance: OK. How's your day going, Daisy?

utterance: So far so good. I just clocked-in a little bit ago, so you're only my second call of the day. Hopefully they're all easy-peasy like these two have been. How about you, how's your day going?

utterance: Oh, it's going good. You know everyone just got to work. we just moved office spaces, so everyone's busy unpacking, setting up their desks. It's an exciting day.

utterance: Fun. OK I have that confirmation number here for you.

utterance: I'm ready.

utterance: That number is nine nine one seven six two nine.

utterance: Nine nine one seven six two nine. Got it.

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

utterance: Yeah, I read online about a credit card offer. It's something called the Business Silver Card. can I. Can you tell me a little bit more about that?

utterance: Sure. The IntelliBusiness Silver Card?

utterance: Yes, that's it.

utterance: OK, yeah, I'd be happy to give you information about that. that card is targeted to small and medium sized businesses. It comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile. It has no annual fee. You're able to earn unlimited one point five per cent cashback on every purchase made for your business. It allows you to redeem rewards for cash back, gift cards, travel and more. You are able to earn rewards faster with employee cards, which are available to you at no additional costs, and as the business owner you could set individual spending limits for each of those employee cards. Which allows you greater control over your company's expenditures. your card transactions will be monitored for possible signs of fraudulent activity using our real time state of the art fraud monitoring systems this means you won't be held responsible for any unauthorized charges made with your card or account information, and you're able to customize your card with your own business logo and design. W do have a promotion going on through the end of November it allows you to earn seven hundred and fifty dollars bonus cash back after you spend seven thousand five hundred on purchases in the first three months from account opening. would you like to go ahead and apply for this card today, George?

utterance: no, not right now. I appreciate the information but I need to talk to my people before I apply for a new credit card. quick question though. Can I apply for this card online?

utterance: You can apply online at our website WWW dot Intellibank dot com.

utterance: Great.

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

utterance: No, that should do it.

utterance: All right, George, thanks for choosing Intellibank, and have a great day.

utterance: Thanks, you too. Bye.

utterance: Bye.


utterance: Good evening. Thank you so much for calling Intellibank where customer satisfaction is our number one goal.

utterance: Hi. How's it going?

utterance: It's great. My name is Mandy. Who do I have the pleasure of speaking to tonight?

utterance: Hi Mandy. This is Scott.

utterance: Hi Scott. What can I do for you tonight?

utterance: yeah. I I'm I'm looking for information on my debt income ratio. I have a couple accounts with you guys.

utterance: OK.

utterance: And you know I'm I'm I'm looking to to get a loan and you know. I just wanna see

utterance: I just wanna see if I should or if I shouldn't.

utterance: OK. You wanna see where things are at right now.

utterance: I kinda

utterance: See. Wanna see wanna see where things are at right now.

utterance: Get a feel for what's happening.

utterance: Yeah.

utterance: You got it. I can do that for you. That'll be easy.

utterance: Yeah, exactly.

utterance: Great.

utterance: And let me just get a little bit of information so I can pull up your account information.

utterance: Mhm.

utterance: OK.

utterance: And Scott is S C O T T?

utterance: Scott is S C O T T.

utterance: And your last name please?

utterance: Mastin M A S T I N.

utterance: M.

utterance: T I N. OK. Very good. All right. Just bear with me one moment while my screen freezes.

utterance: Uh-huh.

utterance: Yeah.

utterance: Sure.

utterance: It's it unfreezes pretty fast. OK. Great. And then what is your four digit pin number that's associated with your account?

utterance: It's seven one one seven.

utterance: Seven one one seven OK. And just so you know for security purposes that disappears as soon as I put it in. That's just your information alone.

utterance: Uh-huh.

utterance: OK great.

utterance: Sure. And then may I please verify with you your date of birth?

utterance: Sure thing. It's November thirteenth nineteen eighty-four.

utterance: OK. OK great. And then the last is a security question.

utterance: Uh-huh.

utterance: What is the name of your childhood pet your first childhood pet?

utterance: Little Little.

utterance: Little Little. All right. OK. That did get me into the system. All right Scott. So just a quick review of your accounts. I know that we wanna look at the debt income ratio and I see what you carry with us is both a business gold card and a business silver card. You have your business preferred checking with us. You have you have your wealth management account and you have a secured loan with us.

utterance: Yes.

utterance: That's right.

utterance: OK great. And your secured loan looks like it's over eighty percent paid so that's great. OK. and I also wanna thank you for your loyal patronage. It looks like you've been our customer for almost fifteen years so thank you.

utterance: You're welcome. I I have you guys have been good to me.

utterance: We appreciate that. Thank you. We try. OK. So based on what I'm looking at here is the value of your company's monthly debt payment divided by your gross income and let me look here. what what quarter are would you like me at or quarters? What time frame?

utterance: Mhm.

utterance: I would love for you to look at the whole year of twenty twenty.

utterance: OK.

utterance: Yeah. And Wait. Hold on. No. Is it twenty twenty? Or is it twenty? No no. let's let's look at the the twenty twenty-one please.

utterance: OK. So for twenty twenty-one do you wanna look at the the first two quarters?

utterance: Yes. The first two quarters of twenty twenty-one. No I'm sorry. Just let's do the the whole all four quarters in twenty twenty-one.

utterance: OK.

utterance: And I.

utterance: OK. You got it. OK. So for the first quarter.

utterance: Uh-huh.

utterance: The percentage is twenty-one percent.

utterance: OK.

utterance: OK. For the second quarter.

utterance: Uh-huh.

utterance: Comes in at twenty percent. For the third quarter. Oh this is great. it's consistently dropping. It came in at nineteen percent.

utterance: Wow.

utterance: And for last quarter eighteen point seven five percent. So it looks like you're really working hard at bringing down your your monthly debt. And just for example just reviewing your your loan with us.

utterance: OK, great.

utterance: Yeah yeah.

utterance: You are paying well above the minimum the the minimum being two thousand dollars but it looks like your last two payments have been five thousand dollars each so that's I wanna congratulate you on that. Not only does that help you out it also puts you in good standing if you do want to apply for another loan.

utterance: Yeah.

utterance: Wonderful. I would love that. Yeah. Great. That's beautiful. So let me think about this for a second. I think I'm good. think I do wanna decide I do wanna do it. I do I wanna I wanna get another loan.

utterance: OK.

utterance: OK.

utterance: could you could you transfer me that to a loan specialist?

utterance: Yes.

utterance: I sure can.

utterance: Are you a loan specialist?

utterance: I'm I I can process loans, but if you'd like to go into detail about the different accounts and and just really have your questions answered in detail I do recommend our loan department.

utterance: OK great.

utterance: I just think that's in your best interest.

utterance: Yes. Let's let's do it then.

utterance: All right. So you're gonna hear a brief silence while I transfer you. And I wanna thank you so much for being a valued Intellibank customer.

utterance: Amazing. Thank you so much.

utterance: Thank you so much and have a great night.

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Hi Ronald. I I received a letter in the mail. Saying that I was I was able to possibly apply for and receive a corporate credit card.

utterance: All right. And that was from Intellibank?

utterance: I believe so.

utterance: All right. Well do you have an existing account with us?

utterance: I believe I do.

utterance: Great. Well if you do I'll definitely be able to pull up whether that was us that sent you out that piece of mail.

utterance: OK.

utterance: So in order to pull up your possible account the first thing I'm gonna need from you is your full first and last name as it would appear on that account if you in fact have one with us.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: All right. Jessie Kingston.

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

utterance: Mhm.

utterance: My date of birth is November thirteenth nineteen seventy-five.

utterance: OK great. And I'm going to need both your social and your driver's license ID number.

utterance: Mhm.

utterance: Mhm.

utterance: OK. Social three three one two zero four six two one. And the driver's license is gonna be D seven four three two nine eight.

utterance: Great. And I need to get your business's address.

utterance: That should be seventeen Sepulveda Way North Carolina. Dakota North Carolina. Nine zero zero six eight.

utterance: And could you please give me the four digit PIN that's associated with this account.

utterance: I don't know that I have that.

utterance: would you like a moment to see if you can track it down?

utterance: Is there another option for logging into my account?

utterance: Unfortunately there is not.

utterance: Oh.

utterance: I'm gonna need that four digit PIN.

utterance: Can I change my PIN while we're on the phone?

utterance: no. I would. That would require you entering your Your PIN number.

utterance: What do you recommend?

utterance: well I would recommend trying a PIN that is associated with a different account.

utterance: Mm. Good idea.

utterance: Do you use the same PIN frequently?

utterance: Typically I do.

utterance: What would you like to try?

utterance: One eight seven four?

utterance: That was it. We are into your account.

utterance: Oh great.

utterance: Perfect.

utterance: Great. So I'm just gonna need to collect a couple of pieces of information here.

utterance: On your business. To see if we can get you applied for that card.

utterance: Mhm.

utterance: Are you the sole proprietor?

utterance: Yes.

utterance: And what is the business's name?

utterance: Pancake Fluff.

utterance: And is it the same email address that we have for you personally? Or would that be a separate email?

utterance: It would be the same.

utterance: All right. You do have a business account with us.

utterance: Mhm.

utterance: so it will be no problem to apply for the business credit card today.

utterance: Oh great.

utterance: we offer three different types of business credit cards.

utterance: Mhm.

utterance: Our Intellibank gold business card. Our Intellibank silver business card. And our Intellibank platinum business card. do you know which one you may be interested in applying for?

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: Well I. My business is is a food-related business. I I've created a product that increases the fluffiness of pancakes. And it's a small business. And with that information, which credit card would you recommend for me?

utterance: Well what are you how much are you looking for as far as the limit goes?

utterance: About fifty thousand dollars.

utterance: OK. Well I would apply for our silver business card.

utterance: Mhm.

utterance: would you like to move forward with that today?

utterance: Yes.

utterance: OK. Then I'm just gonna need your business's tax ID number.

utterance: Mhm. Right now?

utterance: Yes right now.

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

utterance: All right. And what was your gross income last year?

utterance: Last year was two millions dollars.

utterance: All right. And what was the establishment date of your business?

utterance: last year of. So it was November eighteenth two thousand and twenty.

utterance: All right. Well this all checks out.

utterance: Mhm.

utterance: And you have been approved for your business gold credit card.

utterance: OK.

utterance: Instant approval.

utterance: Instant.

utterance: Approval.

utterance: And that will arrive in the mail in seven to ten business days.

utterance: OK.

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

utterance: Not

utterance: Today.

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

utterance: Thank you.

utterance: You too.


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

utterance: Hi Janna. I need to find out what my loan balance is. Oh no. That wasn't that wasn't it. I already got that paperwork. Actually I am trying to get ahead of upcoming tax season and need to get the net income of my business so far this year.

utterance: OK sir. I can help I could easily help you get the net income for your business throughout the year. But first I need to get a little bit of information from you so that I could actually look your business information up in our system if you don't mind.

utterance: OK.

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

utterance: Yes. My first name is Gabriel.

utterance: And can I have your last name as well, sir?

utterance: Robinson.

utterance: All right, that's Gabriel, G A B R I E L, Robinson, R O B I N S O N. Correct?

utterance: Yes.

utterance: Yes.

utterance: OK sir.

utterance: Could you give me your date of birth next?

utterance: Yes my date of birth is ten twenty-four one nine seven four.

utterance: All right, sir. That number, that date of birth was ten twenty-four nineteen seventy-four?

utterance: Yes, correct.

utterance: OK sir.

utterance: And could you give me the PIN that you established for this account?

utterance: Yes. That PIN is four four nine five four nine.

utterance: OK sir. To verify that PIN number, it's four four nine five four nine, correct?

utterance: Correct.

utterance: All right sir. Could you give me the time period you would like this net income information for?

utterance: the. Yes, for the past year please.

utterance: OK sir. Give me one moment while I go ahead and look this up in our system.

utterance: All right.

utterance: Sure take your time. So your day been going Janna?

utterance: Oh it's been pretty good so far, Mr. Robinson. I've actually had a pretty long day actually.

utterance: I've been pulling a double today.

utterance: Oh, what time your double be like?

utterance: Oh.

utterance: In the mornings? Afternoons?

utterance: yes sir. It's gonna be like a twelve hour day today. One of my coworkers just actually went into labor so I had to go ahead and step in for her.

utterance: Oh my goodness.

utterance: I know.

utterance: I didn't think she was actually gonna have the baby anytime soon but apparently he had other plans.

utterance: Well it's a good thing she wasn't in Brooklyn. Had the baby by Brooklyn, you wouldn't have to deliver the baby.

utterance: Not. I have no issues with that but I have no idea what I'm doing. So it's better she was at home.

utterance: Well well that's good, she's doing good.

utterance: All right. And Mr. Robinson, looks like I've gone ahead and looked up that information for you your current net income for the past year is listed at a hundred and eighty-six thousand.

utterance: OK.

utterance: and that is still the That is still a pending amount because you have not finished out the year yet so if you give us a call within January, you'll have the complete amount for the whole year.

utterance: Oh OK, that's sounds good.

utterance: OK sir. And I'll also like to advise you that in the future, if you want to, you can actually go online at Intellibank dot com. If you currently have a account with us, you can look up that information online through our system. You could do online banking with us. If you haven't established an online banking account they'll walk you through the steps to set up one online. It's a quick setup you can also use our app. It's on the App Store that way you can use all this information at your fingertips on your phone.

utterance: I'mma be honest with you, I really don't know how to use none of it. I'm not a computer person so what's the app? I don't.

utterance: Mm oh.

utterance: Oh OK sir. Well the app is Intellibank app online. You'd actually go into the App Store, download that app that app has your information in it, but you actually have to established an online banking account with us. Do you already have an online banking account with us?

utterance: no I don't.

utterance: OK sir. Well first of all, you'd have to go online at Intellibank dot com and set up your online banking account. First you'd have to go ahead and hit the top uppermost tap in the right corner. It would. It's for your business online banking account You'd have to go through the steps of going ahead and setting up that bank, you need an email address or your phone number. It all It'll set up that information for security purposes for you. Once you're able to log in, you can download the app on your phone and that way you can actually use that information to go ahead and access your app.

utterance: OK. All right, do the last part.

utterance: OK sir. I can also send this information out to you if you'd like.

utterance: Yeah, would you? Please.

utterance: OK.

utterance: I can go ahead and verify your mailing address on file, or your email to send to.

utterance: Just send it to my email, I'mma get it quicker that way.

utterance: OK sir. to verify, that email address listed in our system is G Robinson four seven four two at Gmail dot com, is that correct?

utterance: Yes. That's correct.

utterance: OK sir. I'll go ahead and have this sent out to you right away so you can go ahead and set up that online banking account. It'll allow you to go ahead and, go ahead and have quick access to all your information that you have with this bank.

utterance: All right, sounds great.

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

utterance: no that's about it, thank you for your time.

utterance: All right. This email will be sent out to you from Intellibank make sure you check your spam folder just in case you don't get it within the next hour, all right?

utterance: All right, I sure will.

utterance: And feel free to call us back if you still don't get that email or if you would like any more information from us, sir.

utterance: OK, thank you.

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

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Hello I need to make a payment on my loan.

utterance: Are you able to help me with this?

utterance: Sure I can help you with that.

utterance: So I could make a payment with you?

utterance: Yes sir. One moment please.

utterance: Perfect.

utterance: Can I get your first name?

utterance: OK. Alexander Lopez. And my birthday is six six six two in case you need it.

utterance: Oh thank you very much sir. That was Alexander Lopez. Date of birth six six nineteen sixty-two?

utterance: Yes.

utterance: Thank you sir for that information.

utterance: You're welcome.

utterance: One moment please while my system does its update.

utterance: Sure. What'd you say your name was again?

utterance: Laurie.

utterance: Oh OK.

utterance: How are you doing today sir?

utterance: I'm doing OK. Doing OK.

utterance: Excellent.

utterance: All right, sir. Can I just get your PIN number please?

utterance: The PIN number is six two six two.

utterance: And can I have the payment bank account number?

utterance: sure hang on a second.

utterance: Absolutely.

utterance: It's gonna be eight six seven three two nine six five three.

utterance: That was eight six seven three two nine six five three?

utterance: Yes.

utterance: Thank you, sir, for that information. And may I also have the routing number for that account?

utterance: OK just a second.

utterance: Absolutely.

utterance: The payment routing number is six eight three nine two eight one.

utterance: Thank you sir and the payment date?

utterance: let's say eleven ten twenty-one.

utterance: Well actually I'm sorry. I wanna schedule payments for every tenth of the month. Can you do that instead? I apologize.

utterance: Absolutely sir not a problem. Just give me one moment OK.

utterance: OK.

utterance: No problem here.

utterance: All right so you said you would like to set up automatic payments?

utterance: Yes.

utterance: Sure for every tenth of the month?

utterance: That's right.

utterance: Not a problem sir. I just need to get your credit card number for this transaction. what is the credit card number?

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

utterance: Thank you sir. And the loan number?

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

utterance: Thank you very much, sir.

utterance: Sure no problem.

utterance: All right so I have you all set here. how much are your payments going to be on your monthly payments?

utterance: five hundred dollars.

utterance: Five hundred? Perfect. All right so we're going to be withdrawing five hundred dollars every month on the tenth from your account eight six seven three two nine six five three.

utterance: Mhm.

utterance: On to your loan number of three seven two eight six five four one three.

utterance: Is that correct?

utterance: Yes.

utterance: All right sir no problem.

utterance: All right so I have that all set for you. You're gonna receive an email confirmation with all this information OK.

utterance: Mhm.

utterance: All right you have a great day Mr. Lopez. Thank you.

utterance: OK.

utterance: Thank you.


utterance: Hello thank you for calling Intellibank, my name is Sylvia. How may I assist your call today?

utterance: Hi I need to get into my account but I haven't been able to access it online and so I I I tried to call and I went through you know all the automated prompts but I didn't hear anything that was gonna help me find what I needed so I needed to talk to a representative.

utterance: Well I'd be glad to help you with that sir. I I'm sorry to hear that you were having trouble with the online system.

utterance: Mhm.

utterance: if I may I'm just going to ask yo a few questions so I can pull up your account and I'm sorry sir you said this is to help you with you loan?

utterance: My oh yeah I wanted to check my loan balance.

utterance: OK.

utterance: Thank you. what is your name sir?

utterance: Aubrey Cook.

utterance: Could you spell that for me?

utterance: A U B R E Y C O O K and I'm from Illinois and my date of birth is nine twelve ninety-two.

utterance: OK I'm sorry give me one moment to get to that screen. I have to load each information in a separate box.

utterance: OK.

utterance: OK thank you Mr. Cook again your date of birth.

utterance: Nine twelve ninety-two and.

utterance: Nine

utterance: Twelve nineteen ninety-two. OK.

utterance: Yes and could you also tell me what the current interest rate is on that that loan?

utterance: let me just get to that information for you. I still need to ask you a few more questions to pull up your information.

utterance: Oh OK.

utterance: OK Mr. Cook may I get your PIN number please?

utterance: yes. It is.

utterance: Should be a four digit number.

utterance: Actually I'm not sure which one it is, I have a couple of different ones. Could you just could you try this one first? Two zero.

utterance: Two zero.

utterance: Two one.

utterance: Two one.

utterance: Yeah.

utterance: Yes yes that is that is correct and then I will just need your loan account number.

utterance: Loan account number got it. could I find that on the statement or?

utterance: Yes it should be in the upper right hand corner of your statement.

utterance: OK let me grab that right click. OK loan account number here it is three five seven one six four.

utterance: I'm sorry three five seven.

utterance: One six four.

utterance: One six four OK.

utterance: Yeah.

utterance: All right let me put that in here.

utterance: OK yeah I need to check this balance as soon as possible because well me and my wife wanna buy a house so you know get all try to get my credit as high as I can by so I'm trying to get this balance as low as possible you know and still be able to purchase that so.

utterance: I I hear I hear what you're saying. OK no problem let's see. I'm sorry I just your end was freezing I'm having a little freeze here myself. One moment here.

utterance: No problem.

utterance: OK thank you for holding Mr. Cook. All right I do see your loan here, the Intellibank wealth management account. Oh I'm sorry that's one of your accounts was your this is for your term loan. All right and you wanted to get the balance on that is that correct?

utterance: Yes and I guess while you're there could you tell me the balance of the Intellibank loan as well, the one you were just talking about?

utterance: Certainly sir I'll just have to go into a different screen for that, one moment please.

utterance: OK.

utterance: OK so the balance on your loan is forty thousand one hundred dollars.

utterance: Hmm.

utterance: And you also wanted me to check the current interest rate?

utterance: Yes, please.

utterance: OK.

utterance: No problem. The interest rate is seven percent.

utterance: OK. OK.

utterance: OK. Did you need to know when any payments were due or would you like to me to go ahead and check the next account for you?

utterance: I'd like to check the next account.

utterance: OK for the Intellibank wealth management account let me check here for you.

utterance: All right.

utterance: And you just wanted to know what the balance is on that?

utterance: Yes on the Intellibank.

utterance: OK. The balance on that is an even eight thousand dollars.

utterance: OK and could you tell me when my next payment is due?

utterance: Certainly. Your next payment will be due come November seventh.

utterance: Got it. All right All right that's that's that's all I need. Do you do you know if the app will be accessible? I mean not the app but the the website will be back up and running tomorrow?

utterance: it should it should be. You might even wanna check it later this evening. Occasionally maintenance does happen which can slow things down. Normally I would ask if I could assist you with how to access online but it sounds like you know what you're doing just a matter of the system freezing.

utterance: Yeah yeah yeah I'm fine I just couldn't get access to it but but yes thank you so much that was everything I needed, I appreciate it.

utterance: My pleasure sir. Thank you so much for calling Intellibank and have a good day.

utterance: You too.

utterance: Thank you. You too.


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

utterance: Hey Scottie, I was hoping to get some get some financial info for you. My wife and I have been looking into refinance our home and we're also looking into our our car leases, which I don't think that's relevant but, we've been into that too. so we just been kinda taking stock of things and I wanted to confirm I think the yield is what it's called, of of an investment I have.

utterance: All right, so you were looking to get the Treasury bond yield?

utterance: Yeah. Yeah, yeah. Sorry, yeah. I should have been more specific. Yeah, the the bond yield there, yeah.

utterance: I'm happy to look that up for you. So, first I will need your first and last name?

utterance: I'm sorry, can you hold on one second? I'm sorry, one sec. Yeah, I'm sorry about that. My You know, my kids were still still doing the distance learning and all of this and I had to reboot their iPad and try and fix the the Zoom app and all that. I'm sorry about that. what.

utterance: Oh. It's okay, I totally understand.

utterance: What

utterance: What were you asking about?

utterance: Well you were inquiring to get your Treasury bond yield.

utterance: What did you need?

utterance: Yeah. I'm sorry, what was the info you needed from me?

utterance: Well first I'll start with your first and last name.

utterance: Was that it? All you needed my name?

utterance: just at this time, your first and last name?

utterance: Oh, okay. I'm sorry, yeah. It's James Williams. James Williams.

utterance: OK, James Williams. Also need your date of birth?

utterance: Yeah. That's December twelfth, nineteen eighty-two.

utterance: December twelfth, nineteen eighty-two. Will need your four to eight digit PIN number?

utterance: Yeah. That's four four three three five six.

utterance: All right, I see that is correct. Just letting our system process that.

utterance: Yeah, you got kids yourself? It sure sure is difficult right now with them still being at home.

utterance: I have experienced this with the distance learning. I know it's a little tough, yeah.

utterance: Yeah.

utterance: Yeah.

utterance: And you know, the school districts, you know they try, I dunno, they try to be on top of it. But, I dunno, I mean who knows how much man power they actually have. They're all stressed you know financially and in terms of people who actually can keep working there with all their own responsibilities has been been stressful.

utterance: I understand. I understand. Just waiting for this to access. OK. Let's see, Treasury bod yielding. Which time period of this bond was it?

utterance: Yeah.

utterance: This this was a five year.

utterance: Five year bond. That bond looks like it is ending in two thousand and twenty-three.

utterance: It can't come soon enough.

utterance: And the amount that bond will yield the return over it's life ending in two thousand twenty-three is eight point four percent.

utterance: OK. Do you know. That's just a percentage right? You don't have an absolute figure in terms of dollar value?

utterance: Just a percentage at this time. It's all we can offer varying on the value of the bond. The actual value of the bond. Anything else I can help you with today?

utterance: OK.

utterance: Not right now. Chances are I forgot something with everything I have going on. But yeah, that's all I that's all I have for you right now.

utterance: OK. I also wanna thank you for having a Intellibank Total Preferred Checking account with us, an Intellibank Smart Savings account with us. Looks like you're doing a number of different banking options with Intellibank. We have more options online at Intellibank dot com. Things such as wealth management, term loans, secured loans, real estate home, and the Small Business Seven A and the Small Business Five oh four loans. But that's something you can look at or inquire about on your own time all through the online chat system, giving us a call again, calling us through the app, or by simply clicking support in the app. And I hope I have provided excellent service for you. Thank you for being an Intellibank customer since two thousand nine.

utterance: Okey-dokey, thank you.

utterance: Have a good night. Bye.


utterance: Hi. Thank you for calling Intellibank. This is Ginger speaking. How may I assist you today?

utterance: Hi, Ginger! How are you doing today?

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

utterance: Oh, I'm doing great, thank you! I was actually calling to see if I could schedule an appointment with a financial advisor.

utterance: I'd be more than happy to assist you with that today, ma'am. what appointment date were thinking about?

utterance: if possible, I would like to do. Actually, Would it be possible to do two of them? I know you guys conduct those online and in-person. And, if it's OK, I would like to do the first appointment online just to make sure that I have everything together, and then do the second appointment in person.

utterance: Yes, ma'am! That would be absolutely fine. Now, I'm sorry, what date did you say that you would like to schedule the first one for?

utterance: For the online one, the first one, for November the eleventh.

utterance: All right, ma'am. And what time would you like that appointment?

utterance: let's see. Oh, my gosh! I'm so sorry! Would you mind holding for just one moment? I thought I had my calendar right here in front of me, but it seems that I do not.

utterance: That's not a problem whatsoever, ma'am! Just let me know when you're back.

utterance: OK, thank you so much! OK, Ginger! You still there?

utterance: Yes, ma'am, I am. Were you able to find your calendar?

utterance: Oh! Yes, ma'am! It. I had laid it over on the other desk, and I do apologize about that wait! how about for the online one on November the eleventh, could we schedule that for around two thirty p.m.?

utterance: All right. Let's see what we do have available. what ZIP code are you located in, ma'am?

utterance: I'm in three six one zero four.

utterance: All right, ma'am. Gimme just one moment. Let me pull up the calendar here and see what is available.

utterance: OK!

utterance: All right. It does seem that that the financial advisor in your area would have an online appointment available at two thirty p.m. on November the eleventh. And his name is Marcel, M A R C E L. His last name is Duncan, D U N C A N. And may I have your name please?

utterance: Oh, sure! I'm so sorry! This is Cathy, C A T H Y. My last name is Williams, W I L L I A M S.

utterance: All right, Ms. Williams. I do have this appointment scheduled for you. And then how about for the in-person appointment? What date were you thinking for that?

utterance: if possible, for Friday.

utterance: All right, ma'am. Friday November the twelfth?

utterance: Yes, ma'am!

utterance: All right, just one moment. Let me see what his calendar's looking like for that day. What what would the appointment time be that you're thinking about for Friday?

utterance: if it's possible, like a late morning appointment. Somewhere around eleven a.m..

utterance: All right, Ms. Williams. He actually does have an eleven a.m. appointment available. And again, that will be with Mr. Duncan.

utterance: OK, that sounds great! Now, would he be able to come to our office, or do I need to get everything together and go down to the branch location?

utterance: Ma'am, that is absolutely up to you. Now, if he does come to your location, there would be a fifty dollar fee for that. Would that be OK?

utterance: yeah actually. And that would make things a lot easier for me.

utterance: All right, Ms. Williams. If it's all right, could I just verify your address please?

utterance: Yeah, sure! Absolutely! We are at seven zero four Hamilton H A M I L T O N Drive. And that is Port Arthur A R T H U R, Texas three six one zero four.

utterance: Thank you so much, Ms. Williams. I do have this appointment with Mr. Duncan scheduled for you for Friday November the twelfth at eleven a.m., and this one's in person at seven zero four Hamilton H A M I L T O N Drive in Port Arthur, Texas three six one zero four.

utterance: OK! Well, that is great! Thank you so much for your help today, Ginger!

utterance: Yes, ma'am Ms. Williams. Was there anything else I could assist you with today?

utterance: No ma'am! That is all. Thank you so much!

utterance: Thank you so much for calling Intellibank! You have a wonderful day!