utterance: Good evening. Thank you for calling Intellibank. My name is Mary. How may I help you tonight?

utterance: Hi Mary. I'm wanting to get some information about my debt-to-income ratio. I've I've held accounts with with Intellibank for several years and I was hoping you could help me out with with this number.

utterance: Yeah. That's actually

utterance: Cuz I'm also looking to apply for a loan.

utterance: Okay.

utterance: As well.

utterance: Yeah. I should be able to help you with that. Let me just pull up your information so I can access your accounts. May I get your first and last name please?

utterance: Okay.

utterance: Yes. my name is Louis Andersen. Andersen with an E N.

utterance: OK.

utterance: Okay.

utterance: And A N D E R S E N.

utterance: Correct.

utterance: Okay, treat. May I have your four digit pin number associated with your accounts?

utterance: Five six eight nine.

utterance: Five six eight nine okay. All right and can you please verify your date of birth?

utterance: Five fourteen nineteen seventy-five.

utterance: Okay, great. All right, thank you so much Mr. Andersen. Yes, I can pull up your accounts. So I. Based on what you have with us, I can provide you a debt-to-income ratio. Basically, look we're looking at the value of your company's monthly debt payments divided by your gross monthly income. So let me take a look here.

utterance: Okay.

utterance: OK. Well, it looks like you're doing fantastic. Anything twenty percent and under is outstanding, and your debt-to-income ratio for the last two quarters has come in at fifteen percent.

utterance: Fifteen percent, okay.

utterance: Yeah. Great time to be applying for any loans. just FYI.

utterance: No. I'm glad I inquired about it. I thought it was a little bit higher than that. But so a lower debt-to-income ratio, how does that affect the loan process.

utterance: Because what it's showing is, while you may have a credit limit say of a hundred thousand dollars, you're not carrying that much debt. So basically it's it's showing us that you are a an excellent risk.

utterance: Okay. Well, being an excellent risk is good.

utterance: were you applying for any types of loans? I'm just curious.

utterance: Yeah. I had my eye on the SBA five oh four.

utterance: Oh that's, that's a great one. especially right now, so many SBA loans available, lower interest rate, longer terms, and the interest rates are fixed. I I can actually do that for you right over the phone if you'd like?

utterance: yes, that'd be great if I could do that.

utterance: OK.

utterance: Great. just wait one moment while I pull up the screen. Okay, and will that be under your name Louis Andersen?

utterance: Yes.

utterance: Okay, very good. And what is your business address please?

utterance: Five seven eight five Westinghouse Lane Los Angeles, California nine zero zero zero eight.

utterance: Okay, great. I see that's your home address as well.

utterance: Yes.

utterance: Okay fantastic. Your social security number please.

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

utterance: Your driver's license number.

utterance: It's a California driver's license. Six two six three two three eight one eight one.

utterance: Okay. and your email address?

utterance: It is going to be L Andersen at Gmail dot com.

utterance: Okay, great. And your the sole owner of your business?

utterance: Yes, I am.

utterance: And what year did you establish your business?

utterance: Twenty fifteen.

utterance: Okay. And what were your gross annual sales for last year?

utterance: Fifty-five thousand.

utterance: Great. And your tax ID number?

utterance: My tax ID is going to be two four nine eight two seven four seven eight nine.

utterance: Okay great. And what is the purpose of your loan?

utterance: Well, what we're wanting to do is just business expansion.

utterance: So, expanding your properties?

utterance: Yes, expanding properties.

utterance: OK.

utterance: And the business expanding as a result.

utterance: OK, great. So, expanding property and operation costs. OK great. Let me just put that down. All right, and if you are approved, there will be a downpayment due almost immediately between five to twenty percent. What percentage would you like to put down?

utterance: Yes.

utterance: Twenty, twenty percent.

utterance: Twenty percent, that's great. And if you are approved, we can actually have the loan transferred right into your business checking account. Would you like to have the funds deposited there if you're approved?

utterance: Yes. That'd be great.

utterance: OK, very good. All right. This does finalize your application. I just sent you a link to your email that will have a link to your application as well as to upload two photo documents. Your tax ID number and your driver's license. Once you get those documents into the system and complete your application, and then you'll hear back within seven to ten business days.

utterance: All right.

utterance: Is there anything else I can do for you this evening, Mr. Andersen?

utterance: Oh no. That's it. You've been a great help.

utterance: Oh, thank you for calling and have a great night.

utterance: You too.


speaker_role: Agent

utterance: Hello and thank you for calling Intellibank.

utterance: This is Frances. How may I help you today?

speaker_role: Customer

utterance: Hi Frances This is Nicolas. I was just calling to get a balance on my checking account. If you could you help me out with that?

utterance: Sure!

utterance: Let's see here. Sorry, I just need this just need to pull your info here on the computer, and the computer is taking a little bit to load.

utterance: Not a problem, I appreciate it.

utterance: OK, let's start off by getting your full first and last name as it appears on your Intellibank account.

utterance: So my first name is Nicolas and the last name is Kim but I'll go and spell it out because I don't have an H in the Nicolas. So it's N I C O L A S and the last name Kim, is spelt normally. K I M.

utterance: All right. Thank you very much and what is your date of birth?

utterance: My date of birth is ten twenty-two eighty.

utterance: OK. And you six digit account number?

utterance: Do you mind if I put you on a little hold? I I don't have that prepared I'll have to go and pull that up. If you don't mind?

utterance: Absolutely. Take your time. That's what we're here for.

utterance: All right. Thank you. Hold on for me.

utterance: All right. I think I found it. You said it was a six digit number, correct?

utterance: It is a six digit number, and if you have your bank account statement it's the number that is right up at the top.

utterance: Got you. Thank you. OK. I think, yeah. I think I have it here. Are you ready?

utterance: I am ready.

utterance: It's gonna be two two four seven three two.

utterance: All right.

utterance: And what is your four digit PIN?

utterance: My four digit PIN is going to be one zero two two.

utterance: All right. Just waiting for my system to load here.

utterance: All right. And you were looking for your investment report. Is that correct?

utterance: I was actually looking for the balance on my account. I was having issues logging in so I just thought I'd call and see if I could get a quick balance update?

utterance: Sure. Not a problem at all.

utterance: So I see here that you have both our Intellibank business checking and our Intellibank smart savings which account would you like to know the balance of?

utterance: If you could do both, actually that'd be great now that I have you on the line.

utterance: All right. Your checking about has thirty-two thousand three hundred forty-two dollars and seventeen cents.

utterance: And your savings account has ten thousand four hundred seventy-four dollars and thirty-two cents.

utterance: Oh, right thank you. Would I be able to maybe transfer some of the funds from my checking into my savings with you?

utterance: Absolutely. How much would you like to transfer today?

utterance: I think I'd just like to transfer two thousand over into the checking I'm sorry from the checking account into the savings account if I could?

utterance: That will not be a problem. So we are moving two thousand dollars from you Intellibank business checking account to your Intellibank smart savings account.

utterance: Yes, that'd be great if you could do that more me please.

utterance: And that'll just take a moment here.

utterance: Right. Thank you.

utterance: And that transfer is done!

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

utterance: No. I appreciate the help and yeah I'll will I get an email confirming that transaction?

utterance: Yes you will. You actually should have already gotten that.

utterance: OK, perfect actually. I think I just pinged, so I think I see it here so I appreciate it.

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

utterance: Thank you. Bye.


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

utterance: Yeah Sam, this is John Rivers.

utterance: Hi John, what can I do for you today?

utterance: Well, I just got a flyer in the mail saying that you guys offer business tax solutions?

utterance: Yes we do. We do have a handful of tax specialists who are available by appointment only. Is that something that you would be interested in scheduling?

utterance: I most certainly would.

utterance: Perfect. I'd be more than happy to help you get that set up. I just need to get some information here from you to get your appointment made.

utterance: Alright.

utterance: Could I please get the first and last name?

utterance: John Rivers.

utterance: Thank You. Can I please get your date of birth?

utterance: One eighteen of eighty nine.

utterance: Can I please get Your street address?

utterance: Eighty eight eighty eight North Conch Lane. North San Diego. Nine oh two oh one.

utterance: OK, thank you. And you said you were wanting to to see a tax specialist. Did you have a preference as to what location?

utterance: Well, the nearest one to my house would be preferable.

utterance: Okay. Just give me one moment to pull up that calendar. Okay. So we do have three tax specialists available at that location. What Do you have a preference as to what day of the week or time works best for you?

utterance: What time works best for you? What kind of openings do you have?

utterance: We have an appointment this Thursday At, ten a.m..

utterance: Yeah, that'll work. Wait, wait, no, hold on, yes, sorry about that. I almost forgot, it's Aunt Gertrude's birthday. I think she's turning eighty-six this year and. Oh let me check my calendar and see what day that is.

utterance: O~

utterance: Okay.

utterance: Nope, I'm booked that Thursday. We're going to be wheeling her around the mall that day and It's going to be a whole event, it's going to be great. What other days do you have?

utterance: My next available, first available would be next week on Tuesday at three p.m..

utterance: Yeah, that works. We can do that.

utterance: Okay. And would you like to schedule this in person, over the phone via like Zoom, Facetime.

utterance: If we could do this in person it would be great.

utterance: Okay. OK, so it looks like I've got you scheduled for next Tuesday at three p.m. in person here at the office. Just a reminder. The branch location is fifteen twelve north avenue. Lane.

utterance: Okay, yeah, that sounds great. I'll see you guys then. Oh wait, what are your regular branch hours?

utterance: Yep. So that branch is open from seven thirty a.m. to six thirty p.m., Monday through Friday. And eight a.m. to noon on Saturday. Sunday they are closed.

utterance: Okay, that sounds good. While I have you on the phone, can you check my account?

utterance: Sure I'd be more than happy to help you with that. Just give me one moment here to switch some screens around. Okay. Can I please get the first and last name again?

utterance: John Rivers.

utterance: Can I please get your date of birth?

utterance: One eighteen of eighty nine.

utterance: Thank you. And can I please get the account number?

utterance: Yeah, that's twenty three seven nine zero.

utterance: Okay. And this is for your checking account?

utterance: Yes.

utterance: OK, I am showing a balance of three thousand eight hundred and twenty-two dollars and nineteen cents.

utterance: Okay, that sounds about right. Can I check the savings too while I'm at it.

utterance: Sure. Can you just provide me with that savings account so I can verify.

utterance: Yeah, it's seventy-five zero zero one.

utterance: Good. Thank You. I'm showing a balance in your savings account of one hundred twenty five thousand eight hundred twenty-two dollars and eighty nine cents.

utterance: Okay. And Oh, one last thing. Can you send an email reminder? for that appointment?

utterance: Yes that will automatically be generated to your email. It should be in your inbox as we speak.

utterance: Yeah, I see it, it's right there. All right.

utterance: Okay, was there anything else I could help you with today?

utterance: No, I think you've been really really helpful as it is. Can I get a quick reminder of when that appointment time was?

utterance: Sure. so I have you scheduled for next Tuesday at three p.m..

utterance: Yep, that sounds good. I'll be there.

utterance: Okay. Well we will see you then.

utterance: Alright, bye.

utterance: Bye bye.


utterance: Intellibank, this is Joules speaking. How can I help you?

utterance: Hey Joules, how you doing today?

utterance: Good, pretty well. How are you doing?

utterance: I'm doing good. Looking to get some information about a notice I got in the mail. I got this letter about this new Intelligent Bank gold card that you guys are offering for businesses?

utterance: Oh yeah. Well yeah it's in it's the Intellibank gold card for business.

utterance: All right, so I'm I'm starting this off good. Don't don't don't hold that against me.

utterance: I won't, don't worry. It it happens to the best of us. Oh, excuse me. I'm so sorry. yeah, so are you interested in. you're interested in that for your You have a small business?

utterance: Oh, God bless you.

utterance: I do.

utterance: Yes. That that would be something I'm definitely interested in.

utterance: OK.

utterance: All right, awesome. Well let's start out with your your first and last name.

utterance: It's Joseph Lewis.

utterance: OK Mr. Lewis. And is that L E W I S? Or. OK. Perfect. And Mr. Lewis, what is your date of birth?

utterance: It is. Yes.

utterance: It's May.

utterance: Mhm.

utterance: Fifteenth nineteen eighty-nine.

utterance: OK. And your PIN number?

utterance: It is one, five.

utterance: Mhm.

utterance: Eight, nine.

utterance: OK. OK. So I see that. All right, yeah. This this card will be perfect for you because there are so many perks to using the Intellibank gold business card. You get so many points for like for gas, for if you travel a lot you'll get Sky Miles. you can get your mobile bill paid for. All these kinds of things so what I'd love to is I would love to send you all the information and the application. I can send you the application to your email and you can go ahead and apply. And Looking at your account you have impeccable credit and you're outstanding with all of your payments, you're you're always on time. I see that you have a loan with us, that's awesome. that'll definitely Qualify you like automatically for this card. So when you apply you'll get instant approval.

utterance: OK.

utterance: Not.

utterance: OK.

utterance: For sure. And it'll take five to seven business days for you to get your part in the mail.

utterance: It sounds good to me. Like I'm definitely like I honestly, before I even talked to you I was already sold just reading the brochure. It sounded like a a complete no-brainer to me.

utterance: OK.

utterance: OK.

utterance: Great. So then I'll just go. so you I sent you I will send you a link to your email. And you can go ahead and and just fill out the application. So what is your email?

utterance: It's Joseph Lewis.

utterance: OK.

utterance: Nineteen eighty-nine.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK. And is the J capitalized?

utterance: Yes, it is.

utterance: OK.

utterance: OK. All right. So I sent that over to you. So you can fill that out right away. And while I have you on the phone is there anything else that I can do for you?

utterance: Actually, yes there is. So with my business I've been just using like I'm sure many other business owners do they just use their cell phones for the business.

utterance: OK.

utterance: Right.

utterance: And it's just been like. it's a good thing. The business is growing which means the phone is ringing non stop. So I've got a separate phone line for the business. got a separate cell phone. So now I have to carry two cell phones which is you know whatever. It's part of it part of being a business owner. But I wanted to update with my new business phone number on to the business account. This way you know any time you guys call me it's gonna be on that line.

utterance: Mhm.

utterance: Right, OK. Yeah that's that's awesome. So whenever you're ready just give me that phone number and I'll update that for you.

utterance: OK. The new number is two, one, five.

utterance: OK.

utterance: Five, five, five.

utterance: OK.

utterance: Eight, nine, five, two.

utterance: OK. OK, so that two, one, five, five, five, five, eight, nine, five, two?

utterance: Correct.

utterance: OK, right. Put that in for you and OK. So you're good to go with that and what else can I help you with?

utterance: You know what I think I think that might be all. Although, I'm wondering you know with this whole online banking.

utterance: Mhm.

utterance: I might wanna you know get more information on that as well To make things just a little easier. more little streamlined. Like I said you know now with two phones and things like that just to kinda like streamline the business a little more with the banking side of it.

utterance: OK. So when you go at the link that I sent you to set up the online banking it's so explanatory. Like it's just it's explains every single aspect to you.

utterance: OK.

utterance: All of the things that you can do with your online banking. So I mean you can even get you'll get your your statements online to your email. You don't have to have wait for you know snail mail, you don't have to have paper mail.

utterance: OK.

utterance: It but it will tell you everything. Like the the it's like kinda like a welcome and it'll tell you every single thing that you need to know.

utterance: OK.

utterance: It covers everything but if you read over it and you still are like wondering about any specific subject just please call us back, we're always here for you. our customer service line is open until eight p.m. Eastern Time. So we're always here that way and like if you ever happen to be near a branch just hop in and like we'll be happy to speak to you in person if you wanted to do that.

utterance: OK.

utterance: Yeah. That that sounds great. I I really I'm gonna get on that today. that's on my itinerary of things to do, is get the online banking set up.

utterance: No.

utterance: OK, great. Cuz here at Intellibank we just want to make life convenient for small business owners, for business owners in general. We wanna see you flourish. You know we really are excited and and wanna encourage you as much as we can.

utterance: Well, thank you. I really do appreciate that.

utterance: OK Mr. Lewis, have a great night.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yeah, so I wanted to purchase some stock. I've got a good lead from my friend from the country club's husband and I'd like to purchase some stock if possible.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill do you currently have an account with Intellibank?

utterance: I do. I have several.

utterance: All right Jill so I'm just gonna need to get some information from you today to make that buy if you have just a few moments to bear with me? Jill what is your current account number?

utterance: So my account number is three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

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

utterance: So my date of birth is March second nineteen eighty.

utterance: OK. And it looks like your account has a four digit PIN number on it for security purposes, could you also share that PIN number with me?

utterance: Yeah, that should be six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: And could you tell me what your street address is for your home there?

utterance: Yeah, it's five one nine Hoover Road. the ZIP code there is seven three eight two zero.

utterance: OK, and can I get a social security number for you?

utterance: Yeah, that's seven three eight zero two zero seven eight three.

utterance: All right, and can I get an email address for you as well?

utterance: Wait a second that's actually my husband's social that I provided not mine. I apologize. it's eight three seven two nine three nine four zero. That's my social and then my email it's J Baker at Johnson Controls dot come. So it's J as in Jill Baker at Johnson Controls dot com

utterance: All right, let me get that updated for you. OK, Jill so you're wanting to purchase stock, correct?

utterance: Yeah, so it's under a market order but I I want to buy several shares, if possible.

utterance: All right, Jill what is the stock symbol for the shares you wanna buy?

utterance: Can you kind of explain to me what a market order is? Is that possible?

utterance: Yeah, I can so basically a market order is basically an order to buy or sell a security immediately. The type of order guarantees that the order will be executed but it does not guarantee the execution price so generally it'll be at or near the current bid for the sell order. So you're paying whatever the current stock market price is for that share.

utterance: OK then, that's what I thought it meant it just I just wanted to clarify so the stock symbol is F F one five.

utterance: OK, and how many shares are you wanting to buy today?

utterance: I'd like to buy at least a hundred shares for this but can you tell me what the price is today?

utterance: Yeah, so it looks like the cap price is nine dollars and fifty-nine cents a share for this.

utterance: OK then, can we make it like two hundred shares then since it's it's so low. Could I do that two hundred?

utterance: Yeah, Jill I can do that. Jill are you wanting to use your Intellibank checking account to pay these shares?

utterance: actually, yeah, can I do that?

utterance: Yeah, I can do that. all right. I'm gonna get these shares first purchased for you so what's gonna happen is I'm gonna go ahead and set up the buy for these and what will happen is I'll have to send you a disclosure and confirmation that will get sent to your email so what that disclosure is is that's basically saying that you've given Intellibank permission to purchase these shares on your behalf using your Intellibank checking account. So we'll get those shares purchased for you. you'll have to acknowledge the disclosure and say that you've given us permission before that share purchase will completely go through so I'll get that emailed to you. So as soon as you can get that get that confirmed from that disclosure then that then that we'll get those purchased for you. Once they're purchased once the disclosure goes through and we're able to purchase those then we'll send you a confirmation email. That's just giving you the information pertaining to the shares that you've just purchased so that you know that those are the shares that you've purchased and you can kind of monitor them. I do want to let you know too that Intellibank does offer we have a stock a stock page that we can so you can kind of monitor the stock exchange and the current your current stock and what the value of that current stock is. So you'll just go to the drop down tab, you'll select your stock that you have purchase in and it'll tell you the value of your shares, it'll tell you how that's doing in the market right right at the moment. So I'm gonna get that that share all that information emailed over to you. Give me just a moment, OK?

utterance: OK, are you in Kansas City?

utterance: I am.

utterance: So are you going to the Arrowhead event tonight by any chance?

utterance: No, I I don't think that I am. You mean the one that the Chiefs are having?

utterance: Yes, so my husband and I we have season passes and we go to like everything I think they're supposed to have like a fireworks show and some other really cool stuff some food things like that

utterance: Yeah, it sounded like it would be really fun but unfortunately I have some little ones and they have a school function tonight.

utterance: Oh OK well that sounds like it'll be fun too school function for your kiddos.

utterance: Yeah yeah, we're kind of we're kind of excited about it but I definitely think that Chief's event's gonna be a big event for Kansas City.

utterance: Oh yeah, they're saying that the Chief's players are going to be there and everything. I think it'll be a lot a lot of fun.

utterance: Yeah Jill, well you have fun tonight. I do want to let you know that I've got all that information sent over to you so as soon as you get those disclosures disclosures acknowledged then we'll get those shares purchased for you and get those confirmations sent over to you. Was there anything else I could do for you today, Jill?

utterance: No, I think that's everything. I appreciate it so much.

utterance: All right Jill, well I just want to thank you for choosing Intellibank. You have a great day.


utterance: Thank you for calling Intellbank this is my agent number is six four three four four two. How can I help you today?

utterance: Hi my name is Jane Morrell and I need I need to get someone added to my account.

utterance: OK we can help you with that Miss Morrell I need to collect some information from you. If you give me a second let me get that pulled up. OK may I have the spelling of your first and last name please.

utterance: J A N E my last name M O R R E L L my date, you're gonna need my date of birth too right so my date of birth is twelve twenty-five two thousand. Yeah.

utterance: OK well thank you for that information mam. May I also have your address?

utterance: My address oh yes I'm sorry we've been moving around a lot we just come back from vacation my little niece in the background. sorry baby, what's our new address? OK, OK It's Busy Bee's Lane, California, San Francisco.

utterance: OK thank you, do you have a street number with that address?

utterance: Street number oh yeah is eight nine six three two.

utterance: Thank you and may I have your social security number?

utterance: Oh yeah it's right here my social security number is thirteen forty zero zero two nine.

utterance: Thank you and your drivers licence state and number please?

utterance: I baby we need to go to the you know I still have a Californian west style S C A T six one five six four five two.

utterance: OK thank you. Can I have your pin code please?

utterance: My pin, baby what's my pin? yeah it's gonna be ten twenty-two.

utterance: Thank you and your email address?

utterance: did I change it? OK My email address at Morrell court Gmail dot com.

utterance: Thank you and can I have your business name please?

utterance: Morrell Clarke we do clean energy mam if you need you know come on down cuz I'll hook you up.

utterance: Thank you and can I have your business email address?

utterance: it's the same. It's busy bee morrell court dot com.

utterance: Thank you and your date of birth?

utterance: Yeah it's twelve twenty-five two thousand Do you need my text ID as well?

utterance: Yes please.

utterance: that's six three seven two two two twenty-one.

utterance: Thank you and can I have the business address?

utterance: The business address? Did we change that? OK yeah. It's twelve sixty-five Coral Lane Busy Bee New York twelve six four two. Yep.

utterance: OK thank you. And what I'm showing and your account number I apologize.

utterance: My account number for which which account? Cuz I have multiple accounts.

utterance: The account.

utterance: OK the account number you would like to add a new user to.

utterance: Oh two three four five six seven eight nine that's right honey OK.

utterance: Thank you may I have the new users name?

utterance: His name is Corey Morrell.

utterance: Thank you and if you could spell that last name please.

utterance: Morrell. M O R R E L L. Like mine.

utterance: Thank you.

utterance: His date of birth?

utterance: His date of birth is babe what's her birthday you know I keep forgetting it's the it's four two two thousand we the same age you know.

utterance: Thank you so much and his address?

utterance: Same as mine. we we actually do we Yeah it's twelve pickled lane Busy Bee California nine eight six three two.

utterance: Mhm, thank you and may I have his social security number?

utterance: His social security number is thirteen sixty-two fifty-one zero zero.

utterance: OK. Thank you so much and give me one second please.

utterance: Mhm.

utterance: Sit down, jeez.

utterance: And can I have his pin code?

utterance: His pin code is the same as mine ten twenty-two.

utterance: Well we may wanna change that mam do you wanna alter that pin code number for him?

utterance: No we we have so much to do since we got back from vacation. I've my niece in the background we've just been moving around a lot so we not gonna do that today we we'll handle that later.

utterance: OK. So we're gonna add Corey Morrell to your bank account ending in six seven eight nine.

utterance: Mhm.

utterance: OK give me one moment and let me pull pull that information up and get that entered for you.

utterance: OK yeah we just came back from Hawaii and you know fly internationally tired you know.

utterance: Oh I'm glad you had such a great vacation mam. Hopefully you'll be able to go back soon.

utterance: Yeah we got actually we got a fly out two days we going to the Bahama's .

utterance: Wow.

utterance: Wow. OK.

utterance: My

utterance: My niece. She going there for fun, but me and my husband going there for a business trip so.

utterance: OK.

utterance: Yeah.

utterance: That sounds exciting.

utterance: OK thank you for that hold we'll go ahead and get this updated for you. Is there anything else that I can interest you in like online banking?

utterance: I'm pretty sure I can't but let me check in my notes make sure that I got these right we we wanted the business platinum the gold card. checking account right yeah checking account.

utterance: Oh OK mam well we actually have the business silver card checking if you like?

utterance: Is that right? He says it's right yeah.

utterance: can you, can you please elaborate package .

utterance: OK well that's just the silver it's our everyday consumer business account that does not have a fee. to maintain it. you get the online banking information that will show you your account's how you can transfer and things of that nature but the online banking could really help you out so you don't have to continue to take the time out of your day to contact us and wait in line. You can do all the transfers, you can do adding of the bank accounts you can see what is offered and also you can see your bank accounts that will be sent to you either email or regular mail per your preference. Is there anything further I can do for you?

utterance: Hold on one moment I'm gonna put you on hold one second I'm gonna take you all out for pizza in twenty minutes sit down. outside . My, like I said, my nieces with her friends so .

utterance: That's OK.

utterance: That's the young people for you.

utterance: Oh but that should be all right honey. he said if he I think yeah I think that's it. Bye.

utterance: OK thank you mam you have a great day.


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

utterance: Yes, Jerry, I need to cancel a check.

utterance: Yes ma'am, I'll be more than happy to assist you with that. Let me just ask you a few questions so that I can pull up your account. First of all, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards what is your date of pardon me what is the name of the business on file?

utterance: Joan's Bed and Bath.

utterance: Thank you for that and Ms. Richards just so that you know we take account security here at Intellibank very seriously and we do that because obviously, we of course want to protect your funds and insure that you feel confident when your banking relationship here with us so I'll ask a few questions in order to verify your account. Is that all right?

utterance: Yep. That's good and thanks for letting me know that. I knew you did but it's good that you're saying that you do.

utterance: Well thank you, Ms. Richards. If I could just simply ask what is your business address?

utterance: One oh seven five Layman's Court Smyrna, Georgia three zero zero zero two.

utterance: Thank you and what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And Ms. Richards, if I could ask what is your business checking account number?

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

utterance: OK. And Ms. Richards you said that was nine eight four six eight five pardon me.

utterance: No it's nine eight four six five nine one.

utterance: Right. Nine eight four six five nine one.

utterance: That's right.

utterance: And Ms. Richards if I could ask what is the PIN number for your account?

utterance: One zero one seven.

utterance: One zero one seven?

utterance: Right. That's it.

utterance: OK. Thank you for that Ms. Richards. I was able to go ahead and pull up your account and verify it. And Ms. Richards you said that you wanted to go ahead and cancel a check, is that correct?

utterance: Yes, that is correct.

utterance: OK. And do you know what that check number is?

utterance: Yes, I do. The check number is five one six.

utterance: Five one six and it would have one additional number for your checks with us.

utterance: Oh, excuse me it's five five one six.

utterance: OK, five five one six.

utterance: Yes.

utterance: Terrific! And the amount for that check if you would just verify that for me.

utterance: All right it's eighty-five hundred dollars.

utterance: OK terrific.

utterance: Thank you very much. I made it out to Amazon.

utterance: All right, OK. Yes, ma'am. I do see that there is your check five five one six. payable to Amazon for eighty-five hundred dollars.

utterance: That's right. And you what? How you doing today?

utterance: I'm doing terrific, ma'am. Thank you for asking.

utterance: Thank you. You've just been already very helpful and I just wanted to say I appreciate it and see how you were doing and ya how your day was going.

utterance: Well I appreciate that Ms. Richards you're very kind. So often our customers are all terrific but I'm appreciative of those who ask how I'm doing. I'm doing terrific because I get to talk to great customers like you!

utterance: And thank you very much.

utterance: Now Ms. Richards if I could just let you know that we would be able to process your request for a check cancellation but just so that you're aware there are fees associated with check cancellation.

utterance: OK let me know what how much the fees are and also how long would it take once you do that for that to go through.

utterance: Great question there Ms. Richards. Just so that you are aware the check cancellation fees for our business accounts are fifty dollars per check. And with the check cancellation once you authorize it generally speaking as long as it has not cleared we'd be able to do it you know pretty much at the time of the request.

utterance: OK. All right, so it's fifty dollars.

utterance: Yes, ma'am it's a fifty dollars per check cancellation fee.

utterance: Well, I'm glad I don't have a one, that's fine.

utterance: Understandable. That's certainly those fees can rack up. That's why hopefully generally speaking when a check is written hopefully it'll be able to be processed as normal and cleared with whatever institution it is that you are choosing to make payment to.

utterance: I well you know as a business owner you're always looking at every cost.

utterance: Indeed, indeed. Now Ms. Richards, just so I can verify, you do wish to proceed with canceling cheque five five one six to Amazon for eighty-five hundred dollars and being aware that there is a one time fifty dollar cancellation fee. Is that correct?

utterance: Yes, that's correct. I need to have that done.

utterance: OK. Ms. Richards, I've went and go went ahead and processed your request and we were able to cancel that check for you so what will happen is is there will not be any additional fees should that check be represented by Amazon it won't clear and there won't be any returned check fees or anything of that nature associated with.

utterance: OK, that's wonderful. OK, now how and you said that the timeframe is is it already done or?

utterance: Yes, ma'am, as mentioned earlier the it's processed pretty much at the time of request after I confirm that that's indeed what you want so I as the system is notated here your check is now canceled and that's already been completed as requested.

utterance: Thank you so much.

utterance: And Ms. Richards, is there anything else I can assist you with?

utterance: No, there isn't.

utterance: All right, terrific. Well, Ms. Richards, we certainly do appreciate you giving us a call here today at Intellibank and you have a terrific rest of your day.

utterance: And you, too. Thank you.

utterance: Thank you now.

utterance: Bye bye.

utterance: Bye bye.


utterance: Good afternoon thank you for calling Intellibank this is Deborah speaking, and how may I assist you today?

utterance: Hey Deborah how are you doing today?

utterance: I'm doing quite well ma'am, thank you so much for asking, and how about yourself?

utterance: Well to be honest I am extremely unhappy. I'm the owner of Bonanza Produce and my office manager who is going to be extremely lucky as she still has a job come Monday morning she somehow in her little head decided that she just didn't want to well I guess she just didn't want to send out the payment for our last shipping.

utterance: And or not our last shipping, our last shipment, I'm sorry I'm I'm very frustrated but anyway I got a call from them a little while ago and they said that they really had to have that payment.

utterance: And if they don't get it by the end of the afternoon, then they're not going to deal with us anymore so.

utterance: Yeah I'm extremely let's just say I'm extremely angry right now.

utterance: Oh man I completely understand your, your concerns here and I'll be more than happy to do anything I can to assist you with this matter.

utterance: OK well the only thing I can, I mean, what what could you guys there at the bank do to get them their money as quick as possible?

utterance: Because I mean if there's nothing that you guys can do to help, all I can figure is go down to the bank myself.

utterance: To withdraw the money and then drive three hours to their home office to hand deliver it to them and.

utterance: Honestly as shorthanded as we are, I don't have the time to do that and I really don't ugh. I'm I'm sorry, I'm sorry, I'm not trying to be snappy with you, it's just I am extremely angry about this situation.

utterance: Ma'am I completely understand your frustration in this situation, I completely feel for you. Now what I would suggest doing, there's two different ways that we could get the money to them.

utterance: The first would be to do a transfer.

utterance: Now with the, with just the regular bank transfers that would take one to two business days.

utterance: But we could also do a wire transfer and they will be able to access those funds within about the next hour, hour and a half if you would like to go with that direction.

utterance: yeah I guess, I guess that's what we're going to get, have to do. What are the fees for that?

utterance: let's see, this would be a domestic transfer correct?

utterance: Yes ma'am.

utterance: for our domestic transfers there's a flat fee of fourteen ninety-nine.

utterance: OK well I mean I guess that's cheaper than gas anyway so yeah let's go ahead and do that.

utterance: All right ma'am I'd be more than happy to assist you with that, and I think just about anything is cheaper than gas nowadays.

utterance: Yeah you're right. And thank you Deborah I needed that laugh.

utterance: That's not a problem ma'am. let me go ahead and get some information from you so I can pull up your account OK?

utterance: OK yeah yeah thank you.

utterance: Thank you ma'am, may I have your full name please?

utterance: Sure I'm Leah L E A H, my last name is Parker P A R K E R.

utterance: And again I'm calling from Bonanza Produce.

utterance: Thank you so much Ms. Parker, may I have your date of birth please?

utterance: Sure my date of birth is June the sixth nineteen seventy-five.

utterance: Thank you that's June the sixth nineteen seventy-five?

utterance: Yes ma'am.

utterance: Thank you, may I also have your PIN number please?

utterance: yeah the PIN number is six oh five seventy-nine four seventy-four.

utterance: Thank you Ms. Parker I have your PIN number as six oh five seven nine four seven four.

utterance: Yes ma'am.

utterance: Thank you. All right now may I have the account number that you would like the funds to be withdrawn from?

utterance: Yeah that will be from our account number four eighty.

utterance: Four seventy-eight forty-seven ninety-nine.

utterance: Thank you that's account number four eight zero four seven eight four seven nine nine.

utterance: Yes ma'am that's correct.

utterance: Thank you so much, and how much were you needing to transfer?

utterance: Well it's only three hundred forty-eight dollars and eighty-four cents so I mean again this cheaper than gas money, it's cheaper than gas money.

utterance: Yes ma'am it it most certainly is and again I do want to apologize that you're having such a bad day.

utterance: Oh that's OK Deborah it's not your fault and again I'm sorry if I come off snappy or anything to you, I'm just having a very rough day.

utterance: Well that's quite all right Ms. Parker I completely understand. Now you said this would be a domestic transfer correct?

utterance: Yeah yeah domestic Deborah.

utterance: Thank you ma'am. Now I do need to get a little bit of information about the account that the money does need to be transferred into.

utterance: My I have that bank's routing number please?

utterance: yeah I do have that somewhere.

utterance: Oh here it is I apologize. their bank's routing number is five two nine one three six one eight four.

utterance: Thank you Ms. Parker I have that routing number as five two nine one three six one eight four.

utterance: Yes ma'am that's correct.

utterance: Thank you and may I have their actual account number please?

utterance: Sure there it is, it's zero five two seven eight six five seven zero two.

utterance: Thank you Ms. Parker. And that account number for the deposit will be zero five two seven eight six five seven zero two.

utterance: Yes ma'am.

utterance: Thank you so much Ms. Parker, just one moment while I get this processed for you.

utterance: OK and again thank you so much Deborah.

utterance: Well not a problem Ms. Parker that's what we're here for.

utterance: Well thank you I'm glad somebody's here for me today.

utterance: Ma'am I'm glad I could be the one.

utterance: And I do have this transfer completely for you.

utterance: Then just to go ahead and verify it back to you the transfer was in the amount of three hundred forty-eight dollars and eighty-four cents.

utterance: Plus the fourteen ninety-nine flat fee.

utterance: And we deposited that into your vendor's account number the or account that ends in six five nine two.

utterance: And those funds were withdrawn from your account number, or your account that ends in four seven nine nine, was that correct?

utterance: Yes ma'am it sure was.

utterance: All right Ms. Parker was there anything else I could assist you with today?

utterance: No ma'am Deborah you have been an absolute angel. Thank you so much for your help.

utterance: Thank you Ms. Parker for calling Intellibank and I hope the rest of your day goes a little bit better.

utterance: Oh I do too and thank you Deborah.

utterance: Yes ma'am thank you.


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

utterance: Hey George. I I'm calling to because I have a Small Business Account with you guys and I'm looking to start a Sorry . I'm looking to start

utterance: Oh not a.

utterance: Problem, take your time.

utterance: Corporate Credit Card with you guys. I had one with my old bank and obviously that's, you know, become obsolete, so that's something that you know, I would be able to get from you guys. Can you help me with that?

utterance: Absolutely. I totally understand and we can help you with that today.

utterance: Wonderful.

utterance: And you have an existing account with Intellibank?

utterance: I do, yeah. my business name is Larry's Rugs.

utterance: All right, well we're not quite there yet. I don't need the business name yet. but to start out. to open your account up here, I am going to need your first and last name, as it appears on the account.

utterance: Great. my name is Larry You know, it's probably Lawrence. L A Lawrence with a W. Lawrence Levinson. L E V I N S O N.

utterance: All right Mr. Levinson, what is your date of birth?

utterance: My date of birth is February first nineteen seven.

utterance: And what's the last four of your Social Security number?

utterance: last four is four four zero one.

utterance: And finally, what is your four digit security PIN?

utterance: Security PIN? I think it's one zero one nine. Yeah. One zero one nine.

utterance: Sure.

utterance: All right, that was correct. So I have your account pulled up here. all right, now applying for a Corporate Credit Card should not be a problem at all. I can use the info that you have on file, and just ask you a couple of more questions and I can get this application process underway. Is that all right?

utterance: Great.

utterance: OK.

utterance: Fantastic, yep.

utterance: Great. So I just need you verify your mailing address.

utterance: OK. the mailing address is fifty-three. Five three, fifty-three Valita Road. V A L I T A Road. And the city is Venice, California. Nine one three two one.

utterance: All right, and I need your emailing address.

utterance: my email address is Larry one zero one nine L A R R Y one zero one nine at MSN dot com.

utterance: And now is when I'm gonna need that business name.

utterance: Oh awesome. OK, so it's Larry's Rugs L A R R Y apostrophe S R U G S, separate words. you know, I've been running this business since twenty, shit twenty eleven you know. Took over from my dad, he's always been in the rug business, you know ever since the old country, so. You know, I And you know, but it was my dad who actually steered me towards you guys so I'm I'm just really happy to be with to be with you guys.

utterance: Oh, wonderful. So you would be Larry Junior.

utterance: This is true. You, you know. That's a good catch.

utterance: And are you the sole owner of this business?

utterance: Yes, now that my dad's passed away.

utterance: I'm very sorry to hear about the passing of Larry Senior. when was this business established?

utterance: The business was was established in nineteen eighty-nine.

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

utterance: Fantastic. Zero zero three two seven five four eight one seven.

utterance: All right, well that is all I need to get you signed up for the Corporate Credit Card. you'll receive a notification in the mail in two to five business days with whether or not you've been approved for that card. is there anything else I can help you with today?

utterance: OK.

utterance: Yeah, real quick I do have to go in about like forty seconds, but I I should have mentioned this earlier. I do wanna apply also for an ABS loan, was it? S. ABS loan I think.

utterance: The SBA five oh four?

utterance: S.

utterance: SBA five oh four. That's right, yeah. Five oh four. You read my mind. I do. I do wanna apply for that loan

utterance: OK. Yeah that's actually, we can take care of that in a couple of seconds here, because I have all your information from the credit card application. The only additional information I need for this loan is what are the purposes of the loan?

utterance: Sweet, purposes of the loan is manufacturing costs. because obviously you know With since the pandemic started, rug making has just become a little tough. And we do import materials from all over the world and imports have slowed down, so it's really just to cover for that. Cover for the extended time.

utterance: All right, that's the only piece of additional information I need. I am sorry to hear that. both your loan and card application have been submitted. Your loan application, you should hear back in seven to ten business days. is there anything else I can help you with today?

utterance: No, thank you so much. I really appreciate your help.

utterance: Thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: You too. Bye.


utterance: Thank you for choosing Intellibank where we value our customers. How can I help you?

utterance: Yes I'm trying to identify some deposits for an invoice dispute from February.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill so you're wanting copies of your February bank statements so you can review over some deposits. Is that correct?

utterance: yeah that actually'd be great. I didn't think about getting a bank statement but that sounds like a great idea.

utterance: Ok Jill and are you an oh are you an a business owner?

utterance: Yes I do. I own a business.

utterance: All right Jill. And do you have a checking or a savings account with us?

utterance: It's a checking account.

utterance: All right Jill I just need to verify some information with you real quick. What is your account number?

utterance: It's three four six zero two nine nine eight and it's a preferred business checking account.

utterance: OK. And what is the name of your business?

utterance: it's Johnson Controls.

utterance: OK Jill and also what is your date of birth?

utterance: That's March second nineteen eighty and then it's eight three seven zero nine two three eight seven's my social.

utterance: OK Jill I won't actually need your social but the account has a four digit PIN number on it. for security purposes could you also share that PIN number with me as well?

utterance: Yeah that's five seven zero four please.

utterance: OK and would you like to enroll in paperless statements from now on or you just need this February one

utterance: I just need this one once but I may think about enrolling in paperless later on but right now I like to get those loan statements I just haven't got it in a while so I just need it this time around if it's possible.

utterance: Yep that's perfectly fine. Anytime you want to change it you can just give us a call back at Intellibank and we'll get that set up for you. Give me just a second, OK.

utterance: OK have you been outside today?

utterance: I have not. Not since about seven a.m. when I came in today.

utterance: So it's actually pretty beautiful out there. It feels like it's almost seventy. I think it's only like sixty-two but it feels in the seventies. It's pretty amazing.

utterance: Well I'm off in about an hour. So hopefully the weather's still really nice and I can get out and kind of enjoy it. It's been pretty chilly out so I've been itching for a bike ride or you know or a hike or something.

utterance: Yes I actually went on a run this morning. I hadn't been on a run in I don't even know. It's been several several weeks. So I actually went on a run and it was really nice out. It was really really good time. I really felt really good about myself when I came back in. just breathing in some air that wasn't so freezing cold.

utterance: Yeah I totally understand that. and actually going for a run sounds pretty great as well. Jill I wanna confirm your email address real quick if that's possible.

utterance: Oh yeah that's J Baker at Johnson controls dot com. So it's J as in my name Jill. so J Baker at Johnson controls. dot com.

utterance: OK Jill. So I'm gonna go and get the February checking statement emailed over to you. I did not roll enroll you in the paperless checking. But then again if you choose it if you choose to at any time you can just give us a call back and we can change that for you. So I've got I've got it all emailed over to you. I do want to let you know too that if you have access to online banking that you can actually go to your online banking account once you're logged into online banking you'll just choose your loan tab at the top and then you can go and actually select your bank statement from there and just print it out. So you have that availability as well. You can you can sort it a couple different ways. You can sort it by the month, by the year. It gives you a couple of different different options to do that and you can also download it directly to any desktop computer. and I'll get all this sent over to you real quick. Was there anything else you needed today while I'm getting this sent?

utterance: I don't think so. You said I'd get an email with the statement information in it. Does it take very long to get that?

utterance: no. So I'm sending you the email now so it should be there very soon. because the email has a secure banking information in it it will require you to provide an Intellibank password basically. and what that is it'll also be included shortly in that email but it will it's actually the last four of your account number. So you'll use the last four of your checking account number to to access that PIN basically for you to be able to get that loan statement document. and I'm getting it sent over now. It also looks like they're going to send you some disclosures and a I'm sorry and a confirmation on that as well. essentially they're just sending the disclosure so that they can that it there's no question from Intellibank that you are the one who requested this loan statement and that we were able to verify that by your identifier information. so I got it uploaded And was there anything else I could do for you today? I know you said you were disputing an invoice so will your will me providing those bank statements to you will that help to to prove your dispute on that? Or do you need something additional from Intellibank that we might be able to kind of assist you or walk you through?

utterance: No. I mean I'm I am disputing the invoice it's essentially I was trying to say that I'd already paid for for services that had been offered to us so that's what I'm trying to prove and basically I'm just trying to I'm just just be able to show the history of the the history of the statement and that I've actually you know made multiple payments to these people and I don't owe any additional money so that's all I needed.

utterance: OK Jill well if at any point in time while you're going through that you need any additional help or you think you might need to speak to a financial advisor or someone please just give us a call back at Intellibank and we can we can do that for you. I just want to thank you again for being an Intellibank customer and you have a great day.


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

utterance: Hi Anthony. How are you doing today?

utterance: Pretty good. How about yourself?

utterance: Doing well. Doing well. I was hoping to pay my credit card today.

utterance: Sure. You wanna make a credit card payment on the phone?

utterance: Yes, please.

utterance: I'm sure I can get that squared away for you. I need to start with your first, last name, and date of birth.

utterance: Tom Morgan is my first and last name.

utterance: All right. Tom Morgan. T O M. M O R G A N.

utterance: That's correct. Yeah.

utterance: And date.

utterance: Date of.

utterance: Birth. Oh. January thirtieth. Nineteen seventy-eight.

utterance: January thirtieth, nineteen seventy-eight. All right. And your PIN number? Four digit PIN number.

utterance: Oh. It's four three three four.

utterance: OK. Four three three four. All right, and the account number?

utterance: The account number is one seven two, five eight one.

utterance: And the routing number?

utterance: Three three eight five two.

utterance: All right. Lemme look at the status of your account here. So looks like your balance right now is eight hundred and sixty-four dollars even.

utterance: Yeah, please.

utterance: OK.

utterance: So how much o- of that would you like to pay right now?

utterance: What's the? What is my minimum right now?

utterance: Minimum is seventy-six dollars.

utterance: And if I pay now, wh- how does that affect my credit? Does it hurt it or help it?

utterance: I I don't do credit assessment, but I would assume any payment would help it, sir.

utterance: I see.

utterance: Mhm.

utterance: I'm just gonna pay forty dollars.

utterance: Forty dollars even?

utterance: That's correct.

utterance: All right. I'll put that in for you. Now just to verify you wanna make that payment right now or do you wanna schedule it for a future date? It could be tomorrow. It could be a little bit after that. It looks like your payment due is the nineteenth. So.

utterance: then I'll I'll do it on the nineteenth.

utterance: On the nine-. So schedule it for the nineteenth?

utterance: Please.

utterance: OK. All right. I put that through for the nineteenth.

utterance: Thank you.

utterance: And you wanted to pay the minimum or?

utterance: The min- the minimum. Whatever that was.

utterance: Seventy-six dollars? Sure. Sure. Sure. OK.

utterance: Yeah, please.

utterance: And will the minimum be the same next month?

utterance: I think it's based on whatever your current balance is then.

utterance: Oh OK.

utterance: Yeah. But I did schedule that for the nineteenth.

utterance: Great.

utterance: And could you verify the email address we have on file?

utterance: yes. sugarcoats at Gmail dot com.

utterance: Sugarcoats at Gmail dot com.

utterance: Mhm.

utterance: So on the nineteenth, possibly the twentieth, but we're gonna process it on the nineteenth. Look for that verification email that that payment has gone through If you don't see it, it's possible in your spam folder as well. So be sure to check there. Of course, you're also always free to check online at Intellibank dot com. Status of your payments, statements, a number of other things regarding your accounts. And if you want to make a payment there in the future, happy to process it for you by phone, but you can also just log on there and make the payment there as well. And another option, just giving you options here sir. if you want to set up or sign up for autopay where you don't have to worry about it, where it pays a fixed amount on the same date every month, you can do that as well.

utterance: If I sign up for autopay, does it give me a notification that it went through?

utterance: Same thing. You'll get the email. Even there's even a feature where you can choose a text alert. So you receive a text on your phone saying the pay went through. That's just another option, OK?

utterance: OK.

utterance: OK, sounds good. Thanks.

utterance: Great. So, I did schedule that. You're all set for the nineteenth. Anything else I can help you with while I have you on the line?

utterance: No that's it. Thank you.

utterance: All right. Well, thank you so much for choosing Intellibank. Have a great evening.

utterance: You too.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. Home of the smart savings and the lower rate SBA loans. My name is Ian, how can I help you today?

utterance: Hey Ian. I'm looking to get a bank statement today.

utterance: OK great. I can definitely help out with that, may I ask who I'm speaking with?

utterance: Yeah my name is Steve.

utterance: Hi Steve. Steve do me a favor and verify your last name for me please?

utterance: Tom Johanovic

utterance: Steve Tom Tom Steve Tom Johanovic. Yeah it is it is. So Steve there is a four digit PIN number that is associated to your Intellibank account.

utterance: Yeah that's a tongue twister right?

utterance: OK. the PIN number is four three twenty-eight.

utterance: What is that PIN sir?

utterance: Four three two eight fantastic. All right. Just give me one second while I pull up your account, sir. OK. All right so I have your account pulled up sir. Verify your date of birth for me sir?

utterance: We've to go through all these?

utterance: Well sir I'm wanting to make sure That I'm speaking to the right person. Eleven fourteen eighty-five. Fantastic. OK, so Steve now congratulations you're a diamond checking account member. Thank you so much for being with us for such a long time.

utterance: Yeah no problem.

utterance: It's eleven fourteen eighty-five.

utterance: Seventeen years.

utterance: Seventeen. So, this bank statement that you're wanting to receive, what is the account number that is associated with it sir?

utterance: that's two three six nine eight four nine three seven oh nine B S.

utterance: Nine B S fantastic. So Steve for this bank statements, how far would you like them to go? Would like it to go back a week, one month, three months, six months, three years.

utterance: I need eight months.

utterance: Eight months. Ok we'll put in eight months. All right and would like these mailed to you or would you like them emailed to you sir?

utterance: I think I'm gonna get them emailed.

utterance: OK email. OK just to be advised when will email your bank statements to you it is a secured email, but that email is a charge of twenty dollars. We bill that to your account that we have listed here. It's in a PDF form and it allows you to print it out as many times as you need.

utterance: Yeah that's fine. Twenty dollars is a little steep but you know that's fine.

utterance: Please.

utterance: Please go ahead and verify the email address that you'd like these sent to?

utterance: Six two four three at Yahoo dot com.

utterance: Six two four three at Yahoo dot com. Fantastic. OK so just give me one moment while I populate this email and make sure I have all the information in here for you. While I enter in this information, is there anything else that I can help you with?

utterance: Yeah.

utterance: Yeah you could check on that you know that mortgage rate.

utterance: Mortgage rate.

utterance: Yeah I got the letter it says that you know it's it's gonna increase or something?

utterance: OK. I believe what you received in the mail was our promotional mailer that is suggesting a different rate. For our new customers or even our existing customers that are looking to refinance.

utterance: Oh so like I would want a higher rate?

utterance: Well if you read in the it actually lowers the payment. So if someone is a little bit tight, with money or they just wanna free up some money for other things, then this will be a good opportunity for them to do that.

utterance: that was a good one. OK. No that's it.

utterance: OK all right. Well my guess I give me one moment while I populate this email for you. By the time we disconnect this call you should have your bank reports with you. Just give one moment, our computers are running slow today Steve. You know it's a Monday.

utterance: They run slow like my dog, my that dog is slow.

utterance: You know she is like you know thirty years in human years. That's, that's a lot of dog years.

utterance: Thirty years in human years?

utterance: Just like two hundred and ten.

utterance: Old dog.

utterance: That's an old dog.

utterance: That's how slow she goes.

utterance: OK.

utterance: Two ten?

utterance: Real slow.

utterance: Oh.

utterance: Very slow.

utterance: OK.

utterance: All right! So Steve we have your email sent your way. It also has a link for Intellibank dot com as well as our mobile app. So if you have any other questions no sir I don't.

utterance: Do you have any dogs? Of your own?

utterance: Then you wouldn't understand.

utterance: Well I grew up with dogs but I don't have a dog of my own right now.

utterance: OK. Well have a nice day.

utterance: Thank you Steve, you do the same.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Yes hi. I'm going out of town this weekend to my high school reunion. Looking forward to it. I'm looking forward to it. and so I would like to schedule a credit card premise so I won't miss. so I won't miss it. Is that possible to do?

utterance: Absolutely sir. I can certainly set up a credit card payment in advance for you. I would first need to get a little bit of information so I can set up that in your account. Is that all right?

utterance: All right. All right with me.

utterance: Oh.

utterance: All right sir. Can I get your first and last name please?

utterance: Yes, my first name is Gaybra. My last name is Robinson. Like Smokey Robinson.

utterance: Uh-huh lice. Nice to hear from you Mr. Robinson. OK can I have your date of birth as well?

utterance: My date of birth is ten twenty-four nineteen seventy-four And my social security is. Just in case you need that. Just in case now. Is nine fifteen six six seven zero three nine.

utterance: All right sir. Thank you so much for that information. And you said your customer PIN is four four nine five four nine?

utterance: yes that's my customer's Pin number.

utterance: OK so thank you for verifying that information with me. Could I get that credit card number for the account in question?

utterance: My credit card number?

utterance: Yes sir.

utterance: OK my credit card number that would be four five three nine six eight five four eight eight two three three six two eight.

utterance: OK again that number was four five three nine six eight five four eight eight two three three six two eight.

utterance: I yes.

utterance: OK sir thank you so much. Could you give me the account number for that credit card transaction please?

utterance: All right excuse me That my my my account number is four zero nine five five two three one five seven.

utterance: OK again sir that number was four zero nine five five two three one five seven?

utterance: Yes yes.

utterance: OK thank you so much. All right Mr. Robinson. Could you also give me the routing number for that banking account please?

utterance: Oh the routing number. It's five one one three four three six seven eight.

utterance: All right sir you said that number was five one one, three four three, six seven eight?

utterance: Yes yes.

utterance: All right thank you so much for that. Give me one moment while I look up your account information.

utterance: OK. Whoa I'm gonna have fun at this reunion. So do you have any. So do you have anything planned for the weekend? Are you going to a reunion? Did you ever go to one?

utterance: No sir. I have actually missed my fifteen year reunion on purpose. But I haven't been to a reunion since I've actually graduated high school.

utterance: you should go ahead. I like to go pop up and anything so, anybody that are still look decent.

utterance: I bet you do sir. I hope you have a lot of fun at your reunion as well.

utterance: I am I'm going to take some pictures.

utterance: I've have had many friends go to reunions. Didn't say that they didn't enjoy it. But, I've really haven't been interested in returning back to high school. So.

utterance: you should try one day. You should just try.

utterance: You know sir I just might. I just might. All right Mr. Robinson. So I have your information right here. Could you give me the payment amount you would like to put on this card?

utterance: let me see. Maybe put five hundred on there.

utterance: All right you'd like to make a payment of five hundred dollars?

utterance: Yes.

utterance: And what date would you like that to transaction?

utterance: Can make that ten thirty-first two thousand two thousand total wire.

utterance: All set. OK so you want that on the thirty-first of November instead?

utterance: Yes Seven yeah, yes. Sorry about that confusing you there.

utterance: Oh, aww.

utterance: That's all right sir. I understand sometimes you forgive what month. It has just started so.

utterance: Yeah I see I forget a lot of things.

utterance: We're.

utterance: Getting very close to Christmas.

utterance: Oh yeah.

utterance: All right sir. So you would like to make a payment of five hundred dollars on eleven thirty-one twenty twenty-one so you don't miss your payment?

utterance: Yes.

utterance: OK sir. Give me just one moment while I input that. Your current balance on that account. On that credit card account is actually nine hundred and fifty dollars.

utterance: OK.

utterance: And your current due date is actually twelve one. It looks like you've already made a payment on this account. So you'll just hit the mark to make sure that payment goes through.

utterance: Oh OK. Fine, then lucky to me.

utterance: All right sir. I've already put in and scheduled that payment for you. And I hope you really enjoy your reunion. Is there anything else I can help you with today Mr. Robinson?

utterance: Well why no that's about it. Thank you very much.

utterance: All right. Thank you so much for calling us today and for your time and patience. Again my name is Natasha. I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you too. Bye bye.

utterance: Bye bye.


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

utterance: yes, I have a bunch of loans and some credit cards with Intellibank. so I was wondering if you could tell me what my income to debt ratio for my business is based off of that stuff.

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill, that's fine.

utterance: All right Jill, so you're wanting me to run the metrics to determine your current income to debt ratio, is that correct?

utterance: Yeah, if if you could. I've just been talking with my secretary. We've kind of been going back and forth and had like a little bit of a rivalry about this. so basically I just want to clarify some percentages with her so that I can see what's next and basically you know stick it to her that way we're in a better place than she thinks we are.

utterance: Well, I can totally understand that Jill. Can you give me your account number real quick?

utterance: Yes, so my account number is three four six zero two nine nine eight and my social security number it's eight four nine two nine eight three nine zero. Did you need that too?

utterance: thank you Jill. I'm I'm just gonna need your account number for right now. can you tell me what the business name is?

utterance: Yeah, so it's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

utterance: Thank you for that Jill. Your account has a four digit PIN number on it. This for security purposes. Would you mind sharing that PIN number with me as well?

utterance: it should be six four seven eight, I believe.

utterance: All right. Jill, what time frame were you looking at for this report?

utterance: I'm not a hundred percent sure how it works but can I maybe do like the next like the last six months would that be possible?

utterance: Yeah, I can do that for you. I I just wanna clarify with you real quick. So I'm showing that you have two credit cards, two loans, and two business banking accounts with Intellibank. Is that correct?

utterance: Yes, that's right. I think that's right, yes. That that that sounds correct.

utterance: OK. And do you have any banking accounts at any other banks? Or any kind of credit cards at any other banks, Jill?

utterance: I don't believe so. I think everything's with Intellibank.

utterance: All right. Give me just a moment, OK? I'm gonna run the metrics on this, OK? Were you wanting a copy of this report emailed to you once I get that pulled up?

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

utterance: All right. Can I confirm your email address real quick, Jill?

utterance: Yes, so my email address is J Baker, that's J as is Jill Baker at Johnson Controls dot com.

utterance: All right. Jill, gimme just a moment. I'm running that metrics for you now, OK?

utterance: OK so this is a really weird request then, ? I have an accountant and I could have him run the figures but it takes a while for him to call me back, that's all.

utterance: No no no, not at all. It's not a it's not a odd request at all.

utterance: I'm sure you've had weirder requests then I'll bet.

utterance: no, not really weird requests per say but we we do get a lot of wrong numbers from a lot of people or people that think they're calling someone different or they're calling a different bank than Intellibank. but generally, we just don't get too many odd questions from our our regular Intellibank customers.

utterance: How do people accidentally call the the bank?

utterance: sometimes will people will Google search incorrectly or they may misdial a number. we'll sometimes get calls from elderly folks who have just misdialed or just confused about who they've called. So, I mean, we'll get we'll get calls similar to that for for mainly just accidental calls.

utterance: Oh OK, I guess I can see how that can happen with an elderly person.

utterance: Yeah. you know, it's just it's just normal mistakes that people make, it's it's nothing that inconveniences us too much. Jill I do have that information from you so, I'm sorry for you, so as of today's date it looks like for the last six months your account shows an income to debt ratio of around thirty-four percent.

utterance: does it tell you what a normal average is for that?

utterance: Yeah. So on the an income to debt ratio scale, a good or normal ratio is around thirty-six percent. So you're you're doing really well based on those numbers.

utterance: OK. Oh, you said you'd be able to email to me didn't you? I really want to be able to show that to my secretary.

utterance: Yeah. I'm gonna email that to you right now. Just a second, OK?

utterance: so, is there anything that would affect that?

utterance: so, the metrics is based solely off the information obtained from your account history and previously provided information on you financial accounts. So along with your credit report, that's that's how we determine those numbers. So if for some reason there were accounts that were unreported, or that had some kind of unreported debt that has not been shared then that could change your numbers some. But usually based on the with the credit report findings, it's pretty accurate.

utterance: OK. So everything should have been reported correctly so that number should be accurate.

utterance: Yeah. So if everything's been reported correctly then that should be an accurate number for you.

utterance: OK. So you'll send me an email with everything you've shared with me today then?

utterance: Yep, I'm gonna send that email to you right now. Get that send over to you, was there anything else I could help you with today?

utterance: no, don't think so. That's that's everything I needed, thank you so much.

utterance: No problem Jill. thank you for choosing Intellibank. You have a great day, OK?


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

utterance: Hi Daisy, I recently got a new employee, she's an accountant and she's gonna figure out my finances from now on, but she needs access to my account.

utterance: OK, are you calling to add a user?

utterance: Yes, I need to add her as a user of my account. Will, is this something I can do over the phone with you and will this take very long?

utterance: you can absolutely do it over the phone with me. And it'll be around five minutes it'll take us to do that. Do you wanna go ahead?

utterance: Yes please.

utterance: OK, let's pull up your information. What is your name and address please?

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

utterance: Thank you George, what is your date of birth?

utterance: it's a little tricky, on my driver's license, on my driver's license it says September twenty first nineteen ninety-nine but when I was born, somewhere along the way, the hospital messed up my birth certificate and wrote it down as September twenty second. I'm currently getting that fixed right now, but I just want to let you know in case that's a issue for you guys.

utterance: when you opened your account, what piece of information did you use?

utterance: I used my driver's license.

utterance: And is your driver's license valid?

utterance: Yes.

utterance: OK, so we'll go with that one. What was the date of birth on your driver's license?

utterance: September twenty first nineteen ninety-nine.

utterance: Thank you. What is your Intellibank pin number?

utterance: Sixteen sixty-two.

utterance: Thank you, and are we giving her access to all of your accounts, or one in particular?

utterance: just my checking account.

utterance: Your Intellibank Business Preferred checking?

utterance: Yeah.

utterance: Will you verify that account number for me?

utterance: sure, I have it written down here somewhere. Do you mind giving me a second to look for that?

utterance: Not at all, take your time.

utterance: Great, thank you. All right, I've got it here. It is zero zero one six three nine two two one seven.

utterance: Thank you, and what is the new users first name?

utterance: Patricia.

utterance: Please spell that.

utterance: P A T R I C I A.

utterance: Last name?

utterance: Fields. F I E L D S.

utterance: Thank you. What is Patricia's street address?

utterance: three ten Clarence Court, Branson Missouri, five five three two four.

utterance: C L A R E N C E Court?

utterance: Yes.

utterance: And her social?

utterance: Four one two nine eight seven five two zero.

utterance: Thank you. What is Patricia's driver's license number?

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

utterance: And where was this driver's license issued? Which state?

utterance: In Missouri.

utterance: Thank you. What is Patricia's email address?

utterance: P Fields Data Management at Gmail dot com.

utterance: P F I E L D S D A T A M A N A G E M E N T at Gmail dot com?

utterance: That's right.

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

utterance: November twenty first nineteen seventy-four.

utterance: And what would you like her user pin, her Intellibank pin number to be?

utterance: Two nine nine zero.

utterance: Thank you. I've added this to the account Patricia Fields as a new user it'll just be a moment and I'll have a confirmation number of this change.

utterance: OK. How's your day going daisy?

utterance: my day is going good, flying by. How about your's?

utterance: Mine too. Got a lotta stuff done today, so I had a full day, but it feels really short.

utterance: Good, those are the best days.

utterance: Agreed.

utterance: I got your transaction ID number here.

utterance: OK, I'm ready.

utterance: It's nine nine one seven six two nine.

utterance: Got it. OK, and is this something that I could've done on the, on Intellbank's website?

utterance: Intellibank's website?

utterance: Yeah, you guy's online banking platform?

utterance: Yes, you absolutely can add new users at the website WWW dot Intellibank dot com.

utterance: OK, great.

utterance: Anything else I can help you with today?

utterance: Nope, that's it.

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

utterance: Thanks, bye.

utterance: Bye now.


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

utterance: Hey. Yeah, I have a business and I need to open a new checking account for it. Can I do that with you guys or are you only personal checking?

utterance: Actually, we are a financial institution, just as business. So, yes I can definitely help you open up a business checking account.

utterance: Sweet, let's do it.

utterance: OK, I'm gonna need a bunch of information from you. I'm gonna start with your name. Could I get your name please?

utterance: Yeah, my name is Tonny Brown.

utterance: And how do you spell that?

utterance: Yeah, that's T O N N Y and then Brown is like the color.

utterance: Mhm.

utterance: And you know Brown.

utterance: Got it, and your address?

utterance: Yeah, it's one five four three two Waters Avenue,

utterance: Mhm.

utterance: Albany, Kentucky, nine eight six two one and yes we do have the best chicken available.

utterance: Right. Thank you very much for that information. Can I get your full social security number please?

utterance: well, I don't usually have it tattooed here on my arm. So, let me check that. one second.

utterance: OK.

utterance: OK.

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

utterance: Eight one nine six. Thank you, and some more information, can I get your driver's license and the issuing state that it's from?

utterance: Well, like I said I live in Kentucky. So, driver's license for Kentucky.

utterance: Mhm.

utterance: And the number is one six five four three two five.

utterance: Thank you, and did you want to set up a PIN number with us today?

utterance: Oh, let's see. let's go with one four six seven. Cuz you know I first kiss when I was fourteen and I hope to live till at least I'm sixty-seven. So, let's go with that.

utterance: Fourteen sixty-seven, great, and an email address for you?

utterance: Yeah it's T Brown sixty-nine.

utterance: Mhm.

utterance: At A O L dot com.

utterance: OK. Oh. Yes, AOL is still available.

utterance: OK, good to know. All right. Now I'll get some information about your business. Can I get your business name, please?

utterance: It's called Float On.

utterance: Float On.

utterance: Yeah, it's where so, we rent out like really big kinda like air beds.

utterance: Mhm.

utterance: And people can take them to the river connected to our business and we have a huge kind of like screen like a drive-in movie screen.

utterance: Mhm.

utterance: Mhm.

utterance: And they float down the river as they watch a movie and we can serve them drinks, because we have a floating bar because we are cool like that.

utterance: Oh.

utterance: Oh OK.

utterance: Oh, how neat. Oh, I wish you were near. I I would definitely use your business.

utterance: Wait, are you not in Kentucky?

utterance: We aren't. We are in Oregon.

utterance: Well that How am I supposed to get to my funds then?

utterance: Well we are in there is a bank in every state. Just the calling center is in Oregon. Let me get some more information from you. What was the what's the address? I mean what is the date when your business was established?

utterance: So, our establishment date was on June six.

utterance: Mhm.

utterance: Two thousand seventeen and I can tell you that because and my daughter was a year old, and I wanted to watch a movie like in a theater, but you know, who takes a one-year-old in a theater?

utterance: OK.

utterance: Right.

utterance: But it was also summer so it's like you know what would be awesome is if I could just sit in the pool and watch a movie, but also have my daughter and so that's what I did.

utterance: I made a business to. So, you know, big enough beds, so that kids can sit with their their parents and watch a movie and float on a river. So, we're safe.

utterance: Mhm.

utterance: That's

utterance: I assume everyone's wearing life vest.

utterance: It's.

utterance: Yes.

utterance: Yes. Good.

utterance: Would you think I'm crazy for making a business like that? Like, come on. I mean I've got two kids of my own.

utterance: Yeah.

utterance: I would never put other children in danger. I'm quite offended that you would even ask.

utterance: I'm sorry, I didn't I mean I just want to make sure everyone's being safe.

utterance: So, six six seventeen. That's the establishment date. Let's move on.

utterance: Thank you. OK and your annual sales? Do you know the amount of that?

utterance: So.

utterance: I would probably like to say that my annual sales is around three point two million.

utterance: Excellent. OK.

utterance: Because people like my idea.

utterance: That's yeah that's wonderful. Can I get your business address please?

utterance: Yeah, it's three seven six four Center Drive.

utterance: Mhm.

utterance: Albany, Kentucky.

utterance: Mhm.

utterance: Nine eight six two one.

utterance: Great, and the mailing address for the business?

utterance: it's the same address. Can I can I keep it that or do I need to have it sent to my house or.

utterance: We would definitely want it sent to the business. So, the business address is what I need. So, it's the same. OK, Center Drive, Albany, Kentucky, nine eight six two one?

utterance: Yes.

utterance: OK, excellent. OK, and can I get your tax ID for your business?

utterance: I don't have it. That's at the office and I don't I'm at home. Is that gonna be an issue?

utterance: Well, I do need that number in order to process this information and open up the business checking account. what I would suggest is once you have that information in front of you to go ahead and give us a call back and we can we can set up a business checking account for you. We'd be happy to do that, but we do need that information.

utterance: So, I've wasted all this time. Going through all this information with you to not be able to move forward.

utterance: I am sorry. Yes, that is correct, but just get that information and give us a call back and we'd be more than happy to help you.

utterance: Well, can you just like stay on hold while I drive to the business. I'm only twenty minutes away.

utterance: I'm sorry, I can't do that. I do have other phone calls to take care of, but.

utterance: Did you hear that I make three point two million dollars a year?

utterance: Yeah, that's very good, but if you could find that information and give us a call back, we could set you up and get you going with your business checking account with us.

utterance: Well, we will see about that, won't we?

utterance: OK, well you have a good day.

utterance: Yeah and you float on!

utterance: OK.


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

utterance: Hey Elaine, how are you doing today?

utterance: Oh I'm doing quite well ma'am, thank you so much for asking. And how about yourself?

utterance: I'm doing great actually. It is Friday and I get to go on vacation next week, so this is probably the best Friday I have had in a minute.

utterance: Yes ma'am, I completely understand that. I actually came off a vacation about a month ago and I tell you what, a good little vacation, there's nothing like it to refresh the mind, the body and the soul, is there?

utterance: No ma'am, there sure is not. I am very excited. We're going down to Orlando, so hopefully the kids will have a good time at least.

utterance: Well ma'am I I sure wish you the best on your vacation, and how may I help you today?

utterance: I'm actually calling, I'm with Prospa Pal, and I need to change the PIN number for the access on our account.

utterance: All right, that'll be no issue whatsoever ma'am. I'd be more than happy to help you with that. Let me get some information from you so I can pull up that account. May I have your first and last name please?

utterance: Sure, this is Deanna, D E A N N A. Myers, M Y E R S.

utterance: All right, thank you so much Ms. Myers. And may I also have your date of birth please?

utterance: Sure, it's May the nineteenth ninety sixty-nine.

utterance: All right, so I have that as May the nineteenth nineteen sixty-nine?

utterance: Yes ma'am.

utterance: Thank you. And may I also have your current PIN number?

utterance: Yes ma'am, it's nine four three eight eight zero seven five.

utterance: All right, so that's nine four three eight eight zero seven five?

utterance: Yes ma'am, that is correct.

utterance: Thank you Ms. Myers. And that is the PIN number that we're changing, correct?

utterance: Yes ma'am.

utterance: All right, thank you very much. And what would you like your new PIN number to be?

utterance: let's see. How many digits does it need to be?

utterance: It needs to be between four and eight digits long, Ms. Myers.

utterance: OK, let's go ahead and keep it I guess with the eight digits. Let's do four eight nine one seven three zero six.

utterance: All right, so I have the new PIN number as four eight nine one seven three zero six. Was that correct?

utterance: Yes ma'am it sure is!

utterance: Oh all right, thank you. And I do have that changed for you and it is effective immediately. Was there anything else that I could assist you with today?

utterance: Yes ma'am, actually while I have you on the phone would it be possible to go ahead and check the balance on our SBA five oh four loan?

utterance: Yes ma'am, I'd be more than happy to assist you with that, Ms. Myers. May I have that loan account number please?

utterance: Sure, it is it is not in front of me like I thought. I am so, so, sorry Elaine. Would you actually mind hanging on for just a second and let me go and grab that?

utterance: Yes ma'am, that is no problem Ms. Myers. Just let me know whenever you're back.

utterance: OK great, thank you. It'll just take one second.

utterance: OK, Elaine are you still there?

utterance: Yes ma'am, I sure am Ms. Myers. Were you able to get that loan account number?

utterance: Yep I sure was, and I am sorry about that again. The account number is four three four two one two three two zero nine.

utterance: All right, so I have four three four two one two three two zero nine?

utterance: Yes ma'am, that is correct.

utterance: Thank you, Ms. Myers. Just one moment while I pull up that balance.

utterance: OK I am showing that you have a balance of seven hundred and nine thousand two hundred fifty-six dollars and seventy-two cents.

utterance: OK, so seven hundred nine thousand two hundred and fifty-six dollars and seventy-two cents?

utterance: Yes ma'am, that is correct.

utterance: OK great. Thank you so much Elaine for your help today.

utterance: And thank you, Ms. Myers. Is there anything else that I could assist you with?

utterance: No ma'am, I think that does it.

utterance: All right, well enjoy your vacation Ms. Myers. Have a wonderful day and thank you so much for calling Intellibank.


utterance: Thank you for calling Intellibank commercial services. This is Steven. How may I assist you?

utterance: yes I have an Intel business total checking account and I have an outstanding check that has not been posted. It's been over a year and I would like to know if there's anything you can do about that?

utterance: Absolutely and just to clarify, did you mean your Intellibank business total checking account?

utterance: Yes.

utterance: Alright well, I can certainly try and cancel that check for you if that's what you would like to do.

utterance: Yes, it's over a year old and I just don't want it on the books.

utterance: Absolutely I completely understand. Can I have your name, please?

utterance: Dan Thomas. T H O M A S.

utterance: Thank you and your date of birth.

utterance: May twelfth nineteen sixty.

utterance: Thank you and can I have the account number for your checking account?

utterance: just one second while I go grab it.

utterance: Alright, no problem.

utterance: I've got it.

utterance: Alright, sir if you'll just give me that number.

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

utterance: Alright, that's seven three zero six nine five six eight two nine. Is that correct?

utterance: Yes, it is.

utterance: Alright and then can I have your authenticating pin number, please?

utterance: One zero six two.

utterance: Excellent I have pulled up your account and verified the information and so do you know the check number for the check that you are needing to cancel?

utterance: Nine one eight eight one nine.

utterance: Alright, thank you, sir. And yes I do see that check has not been deposited or cashed so I can absolutely get that canceled for you.

utterance: OK will that cancellation be processed effective immediately and is there a fee associated with canceling a check?

utterance: yes sir that will process immediately and there is no fee as that check is over a year old.

utterance: OK, that sounds great.

utterance: Alright, sir and can I interest you in setting up online banking today?

utterance: yes, please.

utterance: Excellent if you could verify your email address for me.

utterance: D Thomas at A B C dot com.

utterance: Thank you and is that the email address that you would like your online banking communications to be sent to?

utterance: Yes.

utterance: Excellent and then I have got a username and temporary password for you whenever you are ready.

utterance: OK hang on let me grab something to write with.

utterance: No problem sir.

utterance: OK, I'm ready.

utterance: Alright sir your username is going to be D Thaomas zero five.

utterance: OK.

utterance: And your temporary password will be capital E six two capital L capital Q nine.

utterance: OK.

utterance: Alright and then to finish the process you will just need to go to the Intellibank dot com homepage. Click the top right corner where you see the login button. Enter those credentials and it will then prompt you to create your own unique password and will then guide you through the rest of the setup.

utterance: OK sounds pretty easy.

utterance: Alright sir and is there anything else that I can assist you with?

utterance: I don't believe so. you had a pretty good day so far?

utterance: Yes sir I am having quite a great day. How is yours going?

utterance: Mines going pretty good.

utterance: That is wonderful news. Alright is there anything else that I can assist you with?

utterance: I can't think of anything.

utterance: OK sir well if you don't mind hanging on the line there's going to be a brief survey and you can let us know how we did today and how we can better service you and your business needs in the future.

utterance: Alright, thank you.

utterance: Thank you sir and thank you for choosing Intellibank commercial banking. Goodbye.