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

utterance: Yes. So I have a business account with Intellibank and our business is growing. and I've been trying to think of ways, or I guess resources, to free up some funds for the business so if we have an emergency. We. We encounter some kind of an emergency. We have some extra funds there.

utterance: Okay. I can. 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 Miss Baker?

utterance: You can call me Jill.

utterance: All right, Jill. So let me make sure I'm understanding what you need. So you're wanting to find a possible solution for creating some capital in case your business has some sort of emergency, is that correct?

utterance: Yes, I just didn't know what options there were possibly. like could I get a loan or one of those payment line things that you have so that there's available funds. if we run into a bind, basically.

utterance: Okay, Jill. So I think you might be referring to our line of credit when you say payment line. So for our line of credits, you receive a credit line limit and you can borrow from that line at anytime. So you only pay interest on the borrowed amount. So if you needed to access the entire balance upon upon having that available, then you won't you won't accrue anything on what you're not borrowing. So if you're not withdrawing from that credit line, you're only going to. you're only gonna pay the interest on what you withdraw. So for a line of credit, those can stay open for a period of time. So if an emergency comes up, those funds will be available there to assist you.

utterance: Okay, so yeah that sounds like that's something that I'm wanting.

utterance: Okay, and how much are you thinking you would like to borrow?

utterance: Like maybe just five thousand would be all I'd need.

utterance: Okay.

utterance: So we can look into applying for this loan for you. is that what you'd like to do? Would you like me to proceed with the application?

utterance: Yes. that'd be great, actually.

utterance: Okay. All right Jill, so what is your business account number?

utterance: give me just a moment to look that up. It's Hold on. It's three four six zero two nine nine eight.

utterance: All right, Jill. And can I get your date of birth?

utterance: It's March second of nineteen eighty.

utterance: Okay, and it looks like this account has a PIN number, a four digit PIN number for security purposes. Can you tell me that PIN number?

utterance: It's four seven three eight. wait. so, I think my old PIN was seven eight four nine. I don't. I don't know if you'll need that one too. Do you need both PINs?

utterance: No, Jill. Your. Your old PIN will not be necessary, just your current PIN. Can you tell me what the name of your business is?

utterance: It's Johnson Controls.

utterance: All right and what is your address?

utterance: It's eight three nine Youngstown Lane.

utterance: Can you also give me the city and state that that is in?

utterance: It's Kansas City, Missouri.

utterance: And your ZIP code.

utterance: That's eight three four nine eight.

utterance: All right. Okay Jill, what is your social security number?

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

utterance: Okay Jill, do you have a driver's license? And if you do, what's your driver's license number?

utterance: My driver's license is M as in Mary, nine three seven zero zero two zero zero.

utterance: All right.

utterance: And what state of issuance is that license?

utterance: It's a Kansas.

utterance: Okay. And Jill, are you the only owner of the business?

utterance: Yes, I'm the only owner.

utterance: And when did your business open, Jill?

utterance: It's opened in August first of two thousand and fifteen.

utterance: Great, Jill. So can you tell me what your business grosses annually?

utterance: So I think last year we made like five thousand. I'm sorry. Five hundred thousand nine hundred and two dollars. I believe that. Somewhere in that price range.

utterance: Okay and what is your tax ID number?

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

utterance: Okay. Jill, where do you receive your mail from Intellibank? Do you receive that at the business or your home address?

utterance: Oh, I receive everything at the business. You can send it there.

utterance: Okay. Jill, what is your email address?

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

utterance: All right, Jill. And is there specific amount that you were looking for for this credit line?

utterance: I'd like to get at least ten thousand, if I could.

utterance: Okay. And you. What are you looking to to obtain this line of credit for? I know you already kind of explained it to me but if you could just kinda tell me exactly what you're thinking.

utterance: I mean, I mainly just want to have it as a backup in case we have an emergency come up. you know, just like an extra layer of protection there. do you know what the interest rates are?

utterance: Yeah. So our rates run from six point nine percent to eighteen point nine percent. And we we gather a variety of information from your account history to your previously provided information your financial history your credit report. All these things to determine what that credit line amount and interest rate will be for you qualifying going forward.

utterance: Okay, thank you.

utterance: All right. So, what I'm gonna do is I'm gonna send this application through to see if we get a preapproval for you. If you give me just a second to get that through, okay? Okay.

utterance: All right, Jill. So it looks like you were a preapproved for a twelve thousand dollar line of credit with an interest rate of eight point eight percent. So what I'm gonna do now is I'm gonna email you a link to our loan portal, and with this. With this link that you're gonna get, you're gonna get a list of documents that are gonna need to be provided. These are things that we need just to be able to review to determine whether or not you're completely eligible for this this loan. So once you have access. once you access that email, if you can upload all those required documents to the portal that is that is listed in there, then a loan agent will reach out to you to assist you with the rest of the loan process. I do wanna let you know that a preapproval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be verified. Do you have any questions about that?

utterance: No. So you said you're going to email it to me and then I'll. I'll upload everything, sign, and then someone will call me?

utterance: Yup, that's right. So once you get everything, you'll load those documents, upload those documents into our portal, and then one of our loan agents will reach out to you to kinda go over everything else with you.

utterance: Okay, thank you so much. I appreciate it.

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


speaker_role: Agent

utterance: Thank you for calling Intellibank, this is William. How may I help you today?

speaker_role: Customer

utterance: Hi William I'm really hoping you can help me the last person I spoke to was not very helpful. I'm just looking to get a notary appointment set up last week they didn't have anything available. So I just wanna try and get this figured out before I take my business elsewhere.

utterance: Well I'm very sorry to hear that. Yes our our notaries are very busy right now and we are unfortunately short-staffed. Our branches don't have the number of notaries that they normally would. but we're doing our best to try to fix that problem, we're keeping longer branch hours and the notaries are trying to see multiple people at once. So, this it shouldn't be a problem to get you in to a notary next week. do you have a account with us at Intellibank?

utterance: I do have an account I didn't know I would need that information, so what do you need from me so I can go get that I'll have to put you on hold so I can locate that information. What what what do you need from me?

utterance: Well the easiest way to access your account and get this appointment set up is by pulling up your account. And to do that we would need your full first and last name as it appears on your Intellibank account. We'd need your date of birth. We would need your six digit Intellibank account number and your four digit PIN?

utterance: OK. Let me go ahead and see if I can get all that information, hold on for me.

utterance: Sure, take your time.

utterance: All right, I think I was able to locate all that information so I'll start with my name Luke L U K E for the first name. Last name is Mitchel. M I T C H E L L.

utterance: All right Mr. Mitchel, hold on one moment here while I put that in.

utterance: All right, now go right ahead with your date of birth.

utterance: date of birth is two fourteen eighty-five.

utterance: And your six digit account number?

utterance: it's gonna be six two, seven eight, five nine.

utterance: And your four digit PIN?

utterance: Is, two nine six one.

utterance: All right and in order to find a notary closest to you I'm just gonna need your ZIP code as well.

utterance: it's gonna be two six, zero seven three.

utterance: Great. OK, it looks like we have a notary available at a branch down on fourth street. twenty-nine eighty-nine fourth street. Would that branch work for you?

utterance: Yeah, that'd be great.

utterance: And you said you were looking for an appointment as soon as possible?

utterance: Yes, as soon as possible please.

utterance: All right. We can get you in this Tuesday. Would that work?

utterance: Yes, that'd be great.

utterance: And, ideally what time would be best for you this Tuesday?

utterance: Tuesday do you have anything around eleven a.m.?

utterance: We do. I can get you in at eleven a.m. on Tuesday.

utterance: All right, yeah. That would be great to get me in and that would make me happy.

utterance: All right. Well you are all set for eleven a.m. on Tuesday. is there anything else I can do for you today?

utterance: No, no. That was it.

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

utterance: Thank you.

utterance: bye bye now.


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

utterance: Yes, I'm wanting to apply for a loan.

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

utterance: It's Jill Baker.

utterance: All right, thank you Jill. Do you prefer that I call you Jill or Miss Baker?

utterance: You can call me Jill.

utterance: All right Jill, so what type of loan are you wanting to apply for today?

utterance: So I've been doing some research and I think I want to apply for that SVA seven A loan. we have some business debt that I wanna try to take care of and this loan seems like the best option for that. I just, I I really have a great crew of people that are working for me and I really want to just keep the business moving forward and. try to get everything paid and taken care of for their sake, you know what I'm saying?

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

utterance: Yes, I have all of the business accounts with Intellibank for the business, Can you tell me real quick what kind of, can you kind of explain the SPA seven A loan to me so I can be sure that that's a fit for me?

utterance: Yeah, absolutely Jill, so the SPA seven A loan is a business administration loan that's offered to small businesses. It's. It's basically where the government is doing some of the risk for the banks so that that, so that way Intellibank can approve these loans. can approve these loans even when the business debt may be a little bit higher than we would normally allow on a loan. The government guarantees some of that loan amount and then they can assist in kind of capping those interest rates and limiting those loans, loan fees with the bank.

utterance: OK, yeah that sounds what I'm, what like, what like I'm looking for, that seems like it'd be a good fit.

utterance: OK, Jill, real quick here. What is your account number?

utterance: It's three four, six zero, two nine nine eight. Do you need my social too? That's eight four seven, two zero, nine three zero zero.

utterance: All right, thank you Jill. Thanks for adding that information. What is the name of the business?

utterance: It's Johnson Controls.

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

utterance: It's March the second of nineteen eighty.

utterance: Jill, it looks like your account has a four digit PIN number on it. Could you share that PIN number with me as well?

utterance: Yes, I can. It's seven six four, seven eight.

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

utterance: I'm in Kansas City, Missouri.

utterance: All right, and what is your street address?

utterance: My street address is five three nine Hewton Road in Kansas City.

utterance: Thank you, what is your ZIP code Jill?

utterance: Seven three eight, two zero.

utterance: Thank you, and what is your social security number?

utterance: My social's seven three eight, zero two, zero seven eight three.

utterance: And do you have a driver's license Jill, and if so, what is that driver's license number?

utterance: I do have a driver's license. It's Amazon Murray, nine three seven, zero zero, two zero zero.

utterance: And is that a Missouri license?

utterance: No, it's actually Kansas.

utterance: All right Jill. Can you tell me, are you the only owner of the business?

utterance: Yes, I mean, it's an OLC but but I'm the only owner, I, I got the business from my parents.

utterance: Thank you, can you tell me when that business opened?

utterance: Yeah, so it opened April twenty-ninth of ninety ninety-two. It always reminds me of that Sublime song when I say that.

utterance: Oh, I'm, I'm, I don't think that I'm familiar with that song.

utterance: I I think it's called Miami. It was a song that they wrote about the LA riots. My parents opened the business here the day the rioting began, so it's kind of near and dear to my heart a little bit.

utterance: Oh, I I do remember the riots, and I'm pretty sure I probably heard the song. I just, for some reason can't place it right now.

utterance: It's kind of a, a rock storm. I don't think, I don't think it came out though like for several years though after the riots. It wasn't like during it.

utterance: OK. Well, I'm gonna definitely have to check out that song, and see if I can recollect where it came from. Jill, do you know what your business makes annually? Do you know what your gross annual income is for that business?

utterance: So I think last year, we made like five hundred and five thousand or something like that.

utterance: OK, five hundred and five thousand, and what is your tax ID number for the business?

utterance: Numbers of my tax ID are seven three eight, eight two nine zero.

utterance: Thank you, I just wanna verify, so you said the name of the business is Johnson, and is that Control or Controls?

utterance: It's Johnson Controls with an S.

utterance: OK, and what is the address for the business?

utterance: The address is eight three seven two, and that's Hill Shire Way in Kansas City, Kansas City, Missouri, and it's eight three, six seven two.

utterance: All right Jill, thank you for that. Can I also confirm an email address for you?

utterance: Yes, so my emails J, as in Jill, Baker, J Baker at Johnson Controls dot com.

utterance: All right, and Jill, where do you receive your mail at? Do you receive it, your mail at the business or do you receive it at your home?

utterance: I mean, I receive mail at both but you can just email it, I'm sorry, you can just mail everything to me at the business. That's primarily where I get most of my stuff pertaining to the business.

utterance: OK Jill. And just to confirm, so you are seeking a loan to buy a property, is that correct?

utterance: Yeah, yeah, that's right, just a new location.

utterance: OK, and do you know what that property is currently listed at, or, or how much you think you are wanting to borrow?

utterance: I, I think I want to borrow like a hundred and ninety thousand, I think that's what I need to borrow.

utterance: OK, and are you going to be putting anything down towards that loan?

utterance: So, I could put like five percent down I think, probably yes, five percent.

utterance: OK, that would be around nine thousand, five hundred dollars. Is, is that, is that what you're thinking?

utterance: I could probably do ten thousand straight. Can we just do that, ten thousand straight?

utterance: Yeah, that's fine. So I'll put ten thousand dollars down here for the down payment, and what term are you looking at for this loan, like about how long are you looking for that term to be?

utterance: I could do like twenty or thirty years. It just depends, I really want to check on the down, on, I'm sorry, just to check on what the monthly payment would be before I commit to that if I, if possible?

utterance: Yep, that's not a problem at all. what I'm gonna do is I'm gonna go ahead and have this loan processed, so we're gonna go ahead and see if I can get you some pre-approval on that, OK? Let me see real quick here. Jill, if that loan is approved, we need to draft that down payment upon processing that loan, so will that down payment be coming out of an Intellibank account for the business?

utterance: No, it will be coming out of my community bank account.

utterance: OK, do you have a routing number for that bank by any chance?

utterance: Yes, it's right here, hang on, three seven seven, four nine two, nine zero zero zero.

utterance: Thank you, and what is the account number for that, that community bank account for you?

utterance: It's two eight three, eight nine two zero zero.

utterance: All right Jill. So nothing will process, regarding that payment unless the loan is approved, but we will also notify you before we process any down payments if the loan is approved, OK?

utterance: All right, thank you.

utterance: OK Jill, real quick here. Can you give me the address for the property that you're interested in?

utterance: It's four zero, two eight, and it's New Heights. It's down by the stadiums.

utterance: OK, and is that Kansas City, Missouri, or is that Parkville?

utterance: It's, it's Parkville.

utterance: OK, just a second here.

utterance: All right Jill. So I have gotten that preapproval on this loan for you, so I'm gonna get it now as I'm gonna go ahead and email you the link to our loan portal OK? It'll give you a list of documents that I'll need you to provide. Once you access that email, if you can upload those required documents there, then a loan agent will reach out to you to assist you with the loan process. I do wanna let you know that that a preapproval is not a guaranteed loan acceptance and the loan will not be secured until all information is provided and can be verified OK? Did you have any questions about that?

utterance: No, so you said I'll get an email with everything I mean, and it says on it, correct?

utterance: Yeah, that's right. I'm sending you an email now with all the documents that I'll need for the loan, OK?

utterance: OK, thank you. Sorry, I'm gonna go ahead and look over this, I'm, I'm gonna go and get myself a cup of coffee. I haven't had my coffee today. I'm feeling a little bit a little bit out of, of sorts right now because I haven't had my coffee.

utterance: It's not a problem Jill. I can totally understand that. I'm, I'm a coffee drinker as well.

utterance: Yes, I, I'm sorry. I'm having a little bit of trouble pertaining to everything real quick here so you're going to send me an email with all that information. I'm gonna go get a cup of coffee. I'm gonna read over it and hopefully be able to to get that signed and everything back to you then hey?

utterance: Yep, that'd be great, go and have your cup of coffee. I'll get everything emailed over to you and then somebody should reach out to you and give you some information, and let you know whether or not you've you've been completely accepted for that loan, and then from there, they'll kind of go over the next steps with you once you're accepted OK? Was there anything else I could do to help you today?

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

utterance: No problem Jill, thank you for choosing Intellibank.


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

utterance: Hey Gillian, how are you doing today?

utterance: I'm doing pretty well. How about you?

utterance: I'm doing great, and I am doing full. My my my tummy is full shall we say. I just had the most amazing lunch, which I probably shouldn't have. Did a little sneak away with the wife, and we try to do it, like, once every couple weeks. Just to go and just hide from the world and have a nice lunch. And yeah. We, we had a great fun, conversation, fun talks, and great food, and both of our bellies are full.

utterance: You're doing full.

utterance: Aww, that's so nice! That's so romantic.

utterance: It, yeah, you know what, it, it was, and you need to do that, as much as possible. So.

utterance: Mhm.

utterance: Yeah, that, that's so nice.

utterance: It was a, it was a beautiful, happy, happy time.

utterance: Aww.

utterance: But, you know, as much as we tried to keep it all fun and games and laughter, of course, you know, real life comes into the conversation from time to time.

utterance: And we had You know, You, you can't stop adulting, shall we say, all the time so.

utterance: Mm.

utterance: Mm.

utterance: We were trying. We were having a discussion on trying to figure out ways just to make things simpler, and to get more time. Because, you know, I sit down, like, once a week and once every other week with the bills and work on the bills between the business and personal, and we're both thinking, I wonder if there's a way to, like, set up. Cuz I have some I have a credit card through our business if I can just set up, like an automatic payment, this way, I don't have to worry about, you know, sitting down and digging it out and figuring out how much to pay, and, and, and et cetera et cetera, and then mailing it and Is there a way to set up, like, an automatic payment every month?

utterance: Mhm.

utterance: Yeah, we can do automatic billing, no problem.

utterance: OK.

utterance: I can help that with you right now, I mean I can help you with that right now.

utterance: OK, please.

utterance: If you have

utterance: Some time.

utterance: Yeah.

utterance: Oh, you do? OK.

utterance: Yeah, absolutely.

utterance: All right, great. So, what is your first name?

utterance: my name is Chris, and last name is Ford.

utterance: OK.

utterance: OK. F O R D?

utterance: Yes.

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

utterance: March eleventh, nineteen eighty.

utterance: Mm K. And what's your PIN number?

utterance: eleven, eleven, or I'm sorry, eleven eighty.

utterance: Mm K. And what's the recipient's name?

utterance: Oh, it's Intellibank.

utterance: Oh, OK. So you wanna use it to pay.

utterance: Yeah, yeah, I have my, my business credit card through you guys, yes.

utterance: I see.

utterance: All right. OK.

utterance: All right, so I don't need to ask you the address, I know that answer. I'm just, I'm just typing that in.

utterance: OK.

utterance: Put that in, and then. What is the source account number?

utterance: lemme get that for you, hang on.

utterance: Take your time.

utterance: OK. That number is zero.

utterance: Mhm.

utterance: Eight eight six, one one seven.

utterance: Mhm.

utterance: Mhm.

utterance: Zero nine.

utterance: OK. All right. And, what payment medium do So, you wanna take that from your checking, or?

utterance: yeah, please.

utterance: OK. Your business checking, obviously.

utterance: Yes.

utterance: Yes.

utterance: Right. OK, that's your business checking. I see. And what's the destination account?

utterance: Mm K, that account number is zero nine.

utterance: Mhm.

utterance: One five.

utterance: OK.

utterance: seven one.

utterance: Mhm.

utterance: Six, six, three.

utterance: OK. I just wanna read that one back to you because it broke up a little bit. I think I got it, but I just wanna make sure.

utterance: OK.

utterance: So is it, is it zero nine, one five, seven one, six six three?

utterance: Yes, correct.

utterance: OK.

utterance: Perfect. All right. And what is the destination account routing number?

utterance: All right, it's zero zero one.

utterance: Mhm.

utterance: Six zero seven.

utterance: OK.

utterance: Nine six five.

utterance: All right. So, with this bill, it's gonna come out the fifteenth of every month.

utterance: OK.

utterance: So. But the billing cycle is a twenty-four hour cycle, so it'll start to process on the fourteenth and then by the fifteenth it'll be, you know, all clear and paid.

utterance: OK. That's fine.

utterance: Yeah, that's, that's fine.

utterance: Is that OK

utterance: With you? OK, great. All right. And is there anything else I can help you with, Mr. Ford, while I have you on the line?

utterance: Absolutely.

utterance: lemme go through my notes here.

utterance: Sure.

utterance: The only other thing I can say is maybe, You know, we were talking about convenience, like I said.

utterance: Yeah.

utterance: I should probably do. Get signed up for the online banking. This way I can continue to make things more convenient, see what else I could possibly set up.

utterance: Yeah.

utterance: Yeah, absolutely, cuz then you can, like, you can go on any time. You can even download the Intellibank app.

utterance: OK.

utterance: On your phone and you know, check your balances. You can transfer money. We have, like, cool emails, you can find out, like. We also, like, have, like, business seminars for small business owners. If you were ever interested we'll email you about that, like what's in your area.

utterance: OK.

utterance: So, all right! So, what is your email?

utterance: It's Chris Ford eighty.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. And is the C capital, or?

utterance: Yes.

utterance: All right. All right. So I sent you over that link. It'll take you step by step on how to fill out the application and register for the online banking.

utterance: OK.

utterance: It's really pretty simple, but if you have any questions at all please feel free to call us back. Our customer service line is open until eight p.m. Eastern. And yeah. I mean Is there anything else I can do for you, Mr. Ford?

utterance: OK.

utterance: No, that's everything.

utterance: All right, you have a great day and thank you so much for being part of Intellibank.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon, thank you for calling Intellibank. My name is Gina, how may I help you today?

utterance: Hi, I need to apply for an SBA loan, please and I also need to apply for a secured loan.

utterance: Certainly, I can actually do both of those for you today. And may I ask your name, please?

utterance: OK.

utterance: My name is Harriet Olson.

utterance: All right.

utterance: Harriet, is that H A R R I E T? And Olsen is O L S E N?

utterance: Mhm.

utterance: O L S O N.

utterance: O N. OK, thank you.

utterance: and for your SBA loan are we looking at the five oh four, or if the real estate loan, are we looking at the seven A loan?

utterance: the five oh four.

utterance: OK, very good.

utterance: I'm just gonna be. For both of these applications I'm just gonna be gathering information and inputting it into the system.

utterance: OK.

utterance: All right. So I have your name and what is your home address please?

utterance: My home address is twenty-two thirty-three Rinaldi, R I N A L D I and that's Northridge, California. Nine one one four six.

utterance: All right, and may I have your Social Security number, please?

utterance: nine three eight four six zero two one seven.

utterance: Thank you, Harriet. And the driver's license number and the state it was issued in?

utterance: California and that's B three seven nine one one six five.

utterance: Thank you. And a four digit security PIN number you would like to create for this for this application.

utterance: Zero zero two three.

utterance: Very good, and just make note of that number because we can use the same the same PIN number for your next application.

utterance: OK.

utterance: Great. And Harriet, may I get your email address?

utterance: Harriet Olson at Gmail dot com.

utterance: Is that all one word?

utterance: Yes.

utterance: OK.

utterance: And the name of your business, please?

utterance: Harriet Olson and Company.

utterance: OK, thank you. And Harriet are you the sole owner of the of the company?

utterance: yes, I am.

utterance: OK. And the approximate month that you established your business and the correct year?

utterance: August two thousand and one.

utterance: OK, very good. Thank you. And what were your approximate gross sales for last year?

utterance: last year was three hundred thousand.

utterance: OK. Very good. OK. And then your tax ID number?

utterance: six one two three five nine seven zero eight.

utterance: Thank you. And your business street address?

utterance: Business street address is one one seven three Nordoff Street, N O R D O F F, and that's Chatsworth, California one zero zero four two.

utterance: Thank you. And is your mailing address the same as your business address. Thank you. And what is the purpose of the loan?

utterance: Yes.

utterance: I don't see why I have to disclose that information.

utterance: well, it we do need that information to process it. I I would assume it's to make sure that it matches the intent of the loan.

utterance: I'm opening a furniture store and I need money to buy inventory.

utterance: All right, and would that be an expansion of your current business or would this be a secondary business?

utterance: this is a secondary business.

utterance: OK, thank you. Don't mean to be too personal, I'm just trying to gather the most pertinent information just to help your application.

utterance: OK.

utterance: All right then, and Harriet for an SBA five oh four, there is a down payment required when you're approved for the for the loan. It would be between five to twenty percent. What percentage would you like to put down upon approval?

utterance: Five percent.

utterance: Five percent. All right, thank you. I'm going ahead and uploading it into the system. And just please be advised for this application as well as your other one I'm sending you an I'll be sending you an email that will have the link to your application, and then there'll be a separate link to upload the intended documents and in both cases it will be your driver's license and your tax ID number.

utterance: OK.

utterance: OK? All right, that application has finalized and it did go to your email address. Now you said you'd like to apply for a secured loan?

utterance: Yes.

utterance: OK. Very good. And our All right, I see here, the secured loan. I'm sorry, I'm just pulling up the application. OK, thank you, all right. And the loan will be under the same name?

utterance: Yes.

utterance: OK. And, again, the home address?

utterance: don't you already have all that information? I just gave it to you.

utterance: Yes, I know, but I saved it into your your SBA loan application and for security purposes, the information does not save if this is a new application.

utterance: Oh my God! OK.

utterance: All right, would you like to still proceed with the loan I mean with the secured loan application?

utterance: Yes.

utterance: OK, very good. So, your home address?

utterance: Home address is one one three six Rinaldi, that's Northridge, California nine one one four six.

utterance: Thank you so much, and again your social security number?

utterance: social security number is two two three four six zero two one seven.

utterance: Thank you, and your driver's license I remember was California. The number again?

utterance: B three seven nine one one six five.

utterance: Thank you, and the PIN number again?

utterance: Zero four two three.

utterance: Thank you. The best email address for you?

utterance: Harriet Olson at Yahoo dot com.

utterance: Thank you. The name of your business?

utterance: Harriet Olson and Company.

utterance: Thank you, one moment. I'm just typing that in. And I remember you are the sole owner of your business?

utterance: Yes.

utterance: OK, and the business establish date?

utterance: it was .

utterance: Oh.

utterance: I'm Was it August two thousand and one?

utterance: yes, thank you.

utterance: OK.

utterance: I remember that.

utterance: Thank you.

utterance: Certainly. And your gross sales?

utterance: three hundred thousand.

utterance: Thank you. And once again, the tax ID number?

utterance: Six one two three five nine seven zero eight.

utterance: Thank you. Your business address?

utterance: two two three three Nordoff Street, that's Chatsworth, California nine one one four six,

utterance: Thank you. And I your mailing address is the same. I remember that and for a secured loan there is collateral that should be described. Just. It helps to secure the loan.

utterance: What type of collateral will you be listing for this loan?

utterance: My house.

utterance: Your house, all right. Is there anything else you'd like to claim, like a secondary business, automobiles?

utterance: No.

utterance: No.

utterance: OK. And the purpose of the loan?

utterance: to expand my business.

utterance: Great. Similar as to your SBA. All right.

utterance: And for the terms of the loan, how long would you like to carry the loan?

utterance: three years.

utterance: Three years. OK. I have gone ahead and finalized this. The application and the upload document link will be sent to your email

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

utterance: No, thank you.

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


utterance: All right. Thanks for calling Intellibank. How may I help you?

utterance: Hello. This is Marie Bellmon calling.

utterance: Hi, Marie. This is Bellamy. Nice to talk to you. Hello.

utterance: Hello.

utterance: So before I get ready to with my questions for why I'm calling today.

utterance: OK.

utterance: what cards do you have to offer me?

utterance: Well I'm glad you asked. Are you you still there?

utterance: I dropped my phone in the toilet.

utterance: Oh Oh my. Do you wanna call back at a more better time? Are you on the toilet?

utterance: I was standing up.

utterance: OK. All right. Well we do have a platinum card, a gold card, a silver card, a travelers' card.

utterance: Uh-huh.

utterance: And a kids' card. kids' card, credit card, yes.

utterance: Kids'?

utterance: For children?

utterance: Yes so that we s- get them started early with establishing credit.

utterance: Oh smart that's smart.

utterance: Yeah, thank you.

utterance: Mhm.

utterance: is that what you're looking for today?

utterance: The kid's card?

utterance: Well any sort of card.

utterance: Maybe maybe the gold.

utterance: OK well let's look at your account shall we.

utterance: Yes.

utterance: Go ahead and give me your current account number.

utterance: Four four one four zero three two six seven eight one.

utterance: Fantastic.

utterance: Mhm.

utterance: And your full name one more time?

utterance: I'm sorry. Are you still there?

utterance: It's the water in the phone. I couldn't hear what you said.

utterance: Oh.

utterance: I just need your name one more time.

utterance: Marie

utterance: Bellmon.

utterance: Yeah. Marie Bellmon. OK. And your date of birth Marie?

utterance: Jesus the water really slushed up into the.

utterance: I I'm guessing.

utterance: I'm thinking I might need to call back but I'd rather just can you give me a few minutes with my phone under the hair dryer?

utterance: Have you tried the rice trick?

utterance: Put it in rice?

utterance: I'm still

utterance: In the restroom.

utterance: well.

utterance: Can I just blow the hair dryer on my phone for.

utterance: Sure.

utterance: I can I can hold.

utterance: OK.

utterance: Are you there?

utterance: Yeah I'm here Marie.

utterance: OK thank you.

utterance: OK, so I do need your date of birth still.

utterance: it's March fifteenth nineteen fifty-six.

utterance: Nineteen fifty-six. OK. Wow. Baby Boomer. what is your address there Maria?

utterance: Mhm.

utterance: It's two two seventeen Star Lane.

utterance: Star Lane. What's the the state there and the city and the ZIP.

utterance: Belleview Alabama eight seven one six three.

utterance: Fantastic. And your social?

utterance: That would be five one four five two three six four six.

utterance: Mhm. And your driver's license state? When was that issued? You remember? Do you remember how l-. That was a long time ago you probably got your driver's license.

utterance: What state?

utterance: That's quite a while ago.

utterance: Seventy-two.

utterance: I mean, that's fifty years ago.

utterance: Yeah I was in Arizona. I re- I remember it was Arizona.

utterance: Do you.

utterance: Arizona? OK.

utterance: What what what happened there with you?

utterance: The water the water from my phone.

utterance: So- sounds like you you

utterance: And Maria, what were you looking to do today?

utterance: Well it feels a little inappropriate now that you've seen that slippery fingers I have and I've mentioned some of the troubles I've moved through since we've been on this call. But I was hoping just to get a nice line of credit going.

utterance: Yeah, for s-.

utterance: OK OK. do you have a business?

utterance: Mhm.

utterance: What is your business?

utterance: Well synchronistically, I have a business that cleans toilets.

utterance: Oh. How ironic. and when did you establish this business?

utterance: Mhm.

utterance: Last week.

utterance: Last week? Oh. Well welcome to the the game of capitalism. Look at you. You're going for it. in your twilight years.

utterance: Yeah.

utterance: Uh-huh.

utterance: Yeah.

utterance: Yeah. Had to do something different just wasn't working with what I was doing.

utterance: With this line of credit what are you looking to do?

utterance: I hope to just have like twenty to thirty thousand dollars available at any given moment with no interest or anything like that. Just a pool of money that I can dip on into at my given leisure.

utterance: Well unfortunately we cap it off at we have a ten thousand dollar limit.

utterance: Oh.

utterance: With an interest of five percent.

utterance: Sweet Luie.

utterance: Well we're not just throwing it out the window. You know what I mean Maria? I mean, do you you.

utterance: Or flushing.

utterance: It down the toilet.

utterance: I'm sure your parents spoke of the Great Depression and probably remember a lot about that.

utterance: I ne- I.

utterance: Never met my parents. So.

utterance: Well.

utterance: Ask someone else's parents cuz there used to be The Great Depression and the banks really screwed it up. So here we just have a cap at ten thousand.

utterance: But I'm looking at your you know I don't say this a lot and I haven't given you my name so I feel OK that I'm not gonna get scolded you're you're a real dead beat Maria. You got a real low credit score I mean you're at the four hundreds it's not good at all. And you've missed payment after payment after payment on your last loan. So I'm going to have to decline you.


utterance: Good afternoon. Thank your for calling Intellibank. My name is Gwenna and I am happy to assist you today.

utterance: thank you.

utterance: How can I help you today?

utterance: well I'm thinking about figuring out the the type of documentation I need for a loan.

utterance: OK not a problem. I'd be happy to help you with that. just so I can pull up your information in our system, may I have your first and last name?

utterance: Yeah It's Joey.

utterance: OK and you last name Joey?

utterance: Can you say that again? I'm sorry.

utterance: That's OK. Your last name, please?

utterance: My last name.

utterance: Sorry. It's Gray. G R A Y.

utterance: That's OK.

utterance: OK.

utterance: And may I have your four digit PIN number that's associated with your account?

utterance: Should be eight two two three.

utterance: Eight two two three. OK great. All right and just for security purposes can you verify your date of birth?

utterance: Yeah and November first nineteen eighty-two.

utterance: OK November nineteenth nineteen eighty-two did I hear you correctly?

utterance: Sorry it's November ninth.

utterance: No I'm sorry about that November ninth. OK very good. OK Joey this does pull up all your information for me.

utterance: Yeah.

utterance: And I wanted to thank you for your loyal patronage and it does look like if you do apply for a loan this would be your first loan with us.

utterance: That would be correct. I heard something about a a seven seven oh three loan. Is that what it's called?

utterance: OK.

utterance: Yeah actually it's a we have a two different types of SBA loans which are backed by the government so they're easier to get generally. There's two types, there's one called a seven A and there's one called a five oh four.

utterance: Mm.

utterance: OK.

utterance: Five oh four that's what I was thinking of.

utterance: And the basic difference the five oh four is geared more for property purchases where the seven A is geared more for overall business purposes.

utterance: All right so I'm I'm I'm curious what's exactly do I need for what type of documentation do I need?

utterance: OK the documentation can vary just a little bit, so let me just give you a general overview and then I can get more specific if we're doing an application. But photo documentation of your driver's license and your Tax ID number. A copy of your business license. if you're applying for the property loan any type of proof of previous property purchases even if it's for your own personal use is very helpful for showing that you're an excellent candidate for a loan.

utterance: Mhm.

utterance: OK.

utterance: And then we'd be looking at two years of tax returns, both your personal tax returns and your business tax returns.

utterance: it'd be fine if I had one year of my business and maybe several years of my personal would that?

utterance: Yes if you.

utterance: Also.

utterance: Suffice?

utterance: Yes. If you've only if your business has only been open for a year that would be fine. that makes sense and showing or it also if you've had a previous business for that previous year for you know, for that first year. You know what I'm saying? We can also supply that as well.

utterance: OK.

utterance: Mhm.

utterance: Yeah I know yeah.

utterance: I don't know if that one would really apply to me but thank you.

utterance: OK not a problem. Just giving you your options then we'd be looking at any financial statements. Generally we do two years but again if this business is only for one year you can advise us of that as well.

utterance: Uh-huh.

utterance: Yeah it's

utterance: Only one year so far.

utterance: OK and if there's another business you say that might not really apply but I'm just thinking

utterance: Hm.

utterance: Yeah I think.

utterance: But personal finances and.

utterance: Yeah yeah.

utterance: What I've done so far in this past year in business. That that would work.

utterance: Right and correct and then as far as how to get the documents to us you have different options. You can email us there is a portal online where you can upload and of course you can always walk it into a branch.

utterance: Uh-huh.

utterance: And if you didn't know this already if you're ready to apply for a loan or whenever you are that can be done with a representative over the phone, online in our mobile app or of course in a branch.

utterance: Oh OK that sounds great well thank you so much for letting me know. I appreciate all the help that you gave me.

utterance: Oh it's my pleasure and whenever you're ready to apply for a loan just let us know and. Did you have any questions about the loans?

utterance: No, I

utterance: Think you answered all of them. I appreciate it so much. Thank you.

utterance: That's

utterance: My pleasure Joey. Well thank you for calling Intellibank and I wish you a wonderful day.

utterance: You have a good one too.

utterance: Bye bye.


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

utterance: Word up Jess. yeah so got something in the mail. Just kinda wanna set up an appointment to see if this something I would wanna do for my business.

utterance: OK. Great, I'd love to help you with that today. So you're looking to speak with one of our tax specialists?

utterance: Yes, correct.

utterance: OK. Can I start by getting your full name?

utterance: Yes. James Green.

utterance: OK and is that G R E E N?

utterance: Yes.

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

utterance: Yeah, it's going to be January third nineteen eighty-eight.

utterance: OK, January third nineteen eighty-eight. OK. I'm going to go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: Absolutely. give me one second let me go grab my wallet.

utterance: Of course.

utterance: Think I left my wallet in the car give me about. Yeah, give me one minute. Is that OK?

utterance: Yes, of course. Take your time.

utterance: Perfect.

utterance: One sec honey. I'm signing up for the tax specialist thing. One sec. All right. OK, I'm ready.

utterance: OK. Ready whenever you are.

utterance: All righty. That's going to be six zero one one nine five zero five zero eight three three nine zero zero three.

utterance: OK and just to clarify that's six zero one one.

utterance: Yeah.

utterance: Nine five zero five zero eight three three nine zero zero three.

utterance: That is correct.

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

utterance: OK, that's fine.

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

utterance: Absolutely, it's gonna be two four four eight.

utterance: Two four four eight. OK, great. And I'm going to go ahead and ask you just a few security questions that you might recall answering when you set up your account.

utterance: OK.

utterance: What city did you meet your spouse?

utterance: We met in Miami.

utterance: Miami. OK, great. And what is your mother's maiden name?

utterance: Gerahalee.

utterance: Would you mind spelling that for me?

utterance: Yeah, that's going to be G E R A H A L E E. And then the last name is going to be Crenshaw. C R E N S H A W.

utterance: OK.

utterance: OK, great. And just for future reference it was Crenshaw.

utterance: Crenshaw, correct.

utterance: OK. So I'm going to go ahead and pull up your account right now. One moment please.

utterance: OK.

utterance: OK, I have your account information in front of me and today you're calling to speak with one of our tax specialists. Correct?

utterance: That is correct and just to give you a little background on on what I do essentially I make leather material. leather wallets leather water bottles, letter purses obviously, leather . You know I'm. You know I I'm trying to take over the world with this leather concept because I mean if you think about the buffalos and and the Indians back in the day like they really made every single thing out of what they did. So I just kind of want to take that concept for leather and so I just. Before I start that business I wanna kind of get my tax business in order. I'm a very organized man, mean wife's gonna kill me for the OCD and So I want us to be kinda. I wanna have a preliminary conversation on the tax purposes.

utterance: Of course. I can set you up with someone right now. Is there a specific day you were looking to speak with someone?

utterance: I would love to do a Monday.

utterance: Monday. OK, let me check on that right now. OK. We have a few available appointments on Monday. Is there a specific time you were hoping to speak with someone?

utterance: Early as possible please.

utterance: OK. We do have one at nine a.m. Does that work?

utterance: That's perfect.

utterance: OK, nine a.m. on Monday it is.

utterance: And then I have a follow up question for you.

utterance: Of course.

utterance: Now is this gonna cost me anything? The. Is. Does the consultation cost me anything?

utterance: No, your first consultation is free.

utterance: Free. Free.

utterance: OK. OK perfect. That that that's it. That's it.

utterance: OK and did you want to go ahead and have your consultation online or in person?

utterance: We could do in person.

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

utterance: It's going to be seven nine nine nine two.

utterance: Seven nine nine nine two. OK, one moment.

utterance: It looks like that's our North Pico branch. So I have you set up for nine a.m. at North Pico. All you need to do is show up with your ID and let the front desk know that you have an appointment already scheduled.

utterance: All right, thank you very much.

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

utterance: No. I think I'm good for now.

utterance: OK. You have a good day then.

utterance: Thank you, you too.


utterance: Hello and thank you so much for calling Intellibank where we value your business. My name is April and I will be the agent assisting you with your needs today. How may I help you?

utterance: Hi April. How are you today?

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

utterance: I am doing good. I just had a conversation with my wife and yeah I wanna finally she's giving me permission to apply for a corporate credit card.

utterance: Oh! Well I'm glad she's given you that permission.

utterance: Well

utterance: She manages all the money, so I gotta make sure that and she knows what she's doing because before I met her I was in debt that was gonna be the deal breaker for our marriage and she's like I'm gonna give you a chance but if you go back to what it was it's not gonna happen so.

utterance: That's right.

utterance: So you're gonna You're gonna follow through yeah.

utterance: So I run it by her

utterance: First. She just knows what's up.

utterance: There you go well you know the saying happy wife happy life.

utterance: Yeah.

utterance: Ha is that what they say?

utterance: That's what I hear so.

utterance: I.

utterance: I believe it. I'm living that dream so.

utterance: Well good for you. So you would like to apply for a corporate credit card so I can do that for you right over the phone.

utterance: Great.

utterance: All right may I ask your first and last name please?

utterance: Yes it's Francisco.

utterance: OK. Can you spell Francisco for me?

utterance: F R A N C I S C O.

utterance: Oh right just like San Francisco. OK. And your last name please?

utterance: Yeah.

utterance: Good.

utterance: Francisco Goode G O O D E.

utterance: Is it?

utterance: Thank you. I was gonna ask if there was an E at the end?

utterance: yeah.

utterance: Yes there is.

utterance: OK great and what is your social security number please?

utterance: Zero

utterance: Five six seven two eight nine two three.

utterance: Thank you and what is your drivers license?

utterance: D L five six two seven two nine nine nine.

utterance: Thank you so much and what state was that issued?

utterance: That's in California.

utterance: Thank

utterance: You so much.

utterance: Uh-huh.

utterance: you also Francisco have a four digit PIN associated with your other accounts?

utterance: Yes it's seven zero zero zero.

utterance: Thank you so much and what is the best email address to reach you?

utterance: Swa beeps Swa that's S W A B E E P S.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: At Gmail dot com very good. And what is the name of your business?

utterance: Swabs.

utterance: Oh just Swabs?

utterance: Swabs, Inc. Sorry.

utterance: Oh Swabs

utterance: Inc. That's OK. All right. and are you the sole business owner?

utterance: Yes, I am.

utterance: OK. And when was the approximate month and date that your business was established?

utterance: this was about two years ago, so twenty nineteen.

utterance: Twenty nineteen.

utterance: Yeah about.

utterance: May. May twenty nineteen.

utterance: May OK.

utterance: Great. Yeah, month is just an approximate.

utterance: Yeah.

utterance: OK and what are your gross annual sales for your business for Swabs Inc?

utterance: it's seventy thousand.

utterance: Seventy thousand so are you a big Q-tip store?

utterance: Oh man that's that is.

utterance: I I'm

utterance: Sorry, I'm just teasing you.

utterance: No no no, that's it's funny that you say that. No we actually we we get basically have these we have hence sounds pretty pretty bad but we've created a and it's kind of an instrument that swats mosquitoes and flies. It's really made for when you're out hiking and you know you're out in nature.

utterance: Oh.

utterance: I love that.

utterance: I have so many mosquito bites from this past season so and they're still healing so I'm gonna have to get that information from you there so I can get some. OK and did? I'm sorry. Did I ask you your gross annual sales yet?

utterance: OK. For sure.

utterance: Yeah.

utterance: Yeah.

utterance: Gross annual sales I think I said seventy thousand yeah.

utterance: OK.

utterance: You sorry that my screen was freezing there.

utterance: Yeah.

utterance: Yeah no worries.

utterance: All right.

utterance: Unlocked now.

utterance: Uh-huh.

utterance: All right tax ID number?

utterance: tax ID number is seven two five six seven seven eight three two three.

utterance: OK very good and the address where your business is located?

utterance: Sure it's nineteen thirty-five Bundy Drive.

utterance: OK.

utterance: That's Los Angeles. Santa Monica. I'm sorry. Santa Monica. California nine four three two eight.

utterance: Terrific. All right, and then we have two types of corporate cards. We have our business gold and our business silver. Did you know which one you wanted or did you want me to go over that with you? It's pretty pretty basic.

utterance: it's The business gold sounds good.

utterance: OK yeah. That's our premier card. It offers the highest balance and there are no service fees associated with that account.

utterance: OK. Great.

utterance: All right.

utterance: So I went ahead and I'm processing this right now, you should hear back whether or not your loan was approved between seven to ten business days. I sent a link to your email account where you can view the application and there will also be a separate link to upload photo documentation of your tax ID number and your drivers license number and that completes your application. Is there anything else that I can do for you today Francisco?

utterance: OK.

utterance: Great I'll get on top of that. Thank you so much. No that's it.

utterance: Thank you and have a great day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi, my name is Tammy Smith, I was just calling to get my net income on my business.

utterance: Yes ma'am, I'll be happy to help you with that, how are you doing today?

utterance: Oh, you know, I'm all right. Very excited because the Cowboys won on Sunday, so my voice has gone a little bit. Still, so bear with me here.

utterance: No worries, I guess you're a Cowboy fan?

utterance: Yeah, you know the last time that they won a Super Bowl I was seven days old, so I am really hoping that they're gonna go all the way this year. But don't we say that every year? Are you a Cowboys fan?

utterance: yeah, I'm a football fan in general, ma'am, I, I like all, all of, all the teams a bit.

utterance: Oh OK.

utterance: All right, so let me get some information from you. You said your name was Tammy Smith?

utterance: Yep, that's my name.

utterance: OK, and what is your address, Ms. Smith?

utterance: my address is, for my business?

utterance: Yes ma'am.

utterance: OK, yeah, so that's eight one zero two South Park, Plano Texas, seven five zero nine two.

utterance: And what is your date of birth?

utterance: that's gonna be February twelfth of nineteen eighty-six.

utterance: Perfect, and Ms. Smith may I also get your PIN number?

utterance: Oh you know, I don't know which one you'll have on file. It's either four four zero one, or zero nine eight eight.

utterance: It is zero nine eight eight, ma'am. Thank you for verifying all that information. OK, and you said you were needing your net business income?

utterance: OK.

utterance: Yeah, it's for my business, Tammy's Tumblers. You know I started an Etsy about a little over a year ago, and it's been going really great. I love working for myself and being my own boss, and you know, making tumblers is really fun, especially the personalized ones that I get orders for. Do you have a tumbler? You should look at my Etsy.

utterance: Yes ma'am I do have a tumbler. And you would have to show me, you say it's called Tammy's Tumblers?

utterance: Yeah, just look it up on Etsy. I've got my nice little business page.

utterance: I will have to do that. And yes ma'am I have tumblers. I love one, I have one which says Gee-gee, which is my grandson got me for Christmas last year.

utterance: Oh really? How old's your grandson?

utterance: Grandson. He is six.

utterance: Oh so I guess your daughter got it for you, not your grandson.

utterance: Probably, yes ma'am. OK, and so one quick question while I get this net income for you, what time period are you needing that for?

utterance: it's gonna be for the first two quarters of twenty twenty-one.

utterance: OK perfect, OK let me get that for you. And would you like me to email this report to you as well, or do you just need it over the phone?

utterance: Oh yeah, no, I definitely need it emailed.

utterance: OK perfect, and while I'm waiting for that to come up, what is your email address?

utterance: I think it's T Smith one two three at Yahoo dot com.

utterance: OK that is what I have on file. OK so ma'am your net income for the first two quarters of twenty twenty one was fourteen thousand, eight hundred and sixty two dollars.

utterance: All right, and you said you were gonna end, you're gonna email that to me, right?

utterance: Yes I am, are going, do you happen to have online banking?

utterance: you know I. are you talking about the stuff that you log onto your computer to use?

utterance: Yes ma'am, any, anything, you can log onto online banking on your computer. You can also access it if you have the app on any of your Android or Apple devices.

utterance: Oh perfect, that's great. what is the name of the app?

utterance: It is just called Intellibank, and it has a big capital I, with a blue circle around it. That'll help you identify when you look for it on the App Store.

utterance: Yeah, actually, can you just stay on the phone while I look for it, because you know, I'm gonna forget that in five minutes. Or something like that.

utterance: No worries, go ahead, if you wanna go, are you on an Android device, or an Apple device?

utterance: You know I have an Apple device for my business. that's how I do the payments and I've got an Android for my personal phone.

utterance: OK, so which one are you looking up right now?

utterance: It's gonna be on my Apple device.

utterance: OK, so if go to the App Store, you're just gonna look for Intellibank, it's I N T E L L I B A N K, and it's gonna be a capital I with a blue circle around it.

utterance: Oh, there we go, I found it.

utterance: And if you already have online banking set up, you're gonna log in with the same information that you would log in.

utterance: So just the same username and password that is on my on my computer?

utterance: Yes ma'am, and while we are always happy to help you here at Intellibank, once you get that all set up with online banking, you can check out your net business income. You can also look at your balance. Transactions that are posted, and you can also look and see, transfer money between your checking and savings account. All of that from the convenience of your app on your phone, or your computer.

utterance: Fantastic. That sounds very easy, So let me see. I think I just, I think I just found the app on my Android device too, that's downloading.

utterance: Perfect.

utterance: Great, so is there anything else that I can help you with today, Ms. Smith?

utterance: You know, let me, let me think real quick. I don't want to have to call back and wait again. so on this online banking, you said I could transfer money from my checking to savings too, Right? For my business. OK. All right. and I can basically get this information from my phone.

utterance: Absolutely, .

utterance: Yes ma'am, you can check it anywhere that you have access to your your phone or the internet. You can access online banking, and all the information is there.

utterance: Wow, technology sure has come a long way, hasn't it?

utterance: Yes ma'am it has.

utterance: No.

utterance: So were you able to get both of those downloaded, Ms. Smith?

utterance: Yeah,

utterance: Yeah I did. no, thank you for all your help today.

utterance: Perfect.

utterance: You're very welcome, thank you for calling Intellibank.

utterance: All right. You too.


utterance: Hi, thank you for calling Intellibank. This is Ashley speaking. How may I assist you today?

utterance: Good morning Ashley. How are you doing today?

utterance: Oh I'm doing great, thank you so much for asking, and how about yourself?

utterance: I'm doing quite well. The reason I'm calling this morning, I need to apply for a line of credit.

utterance: OK, I'd be more than happy to assist you with that application today, ma'am. Let me get some information so we can get this application processed for you. may I have you name please?

utterance: Yes ma'am, I'm Rebecca Smart, and I live on four seven seven five Kelley Street, in Charlotte, North Carolina.

utterance: OK, I have your first name as Rebecca, R E B E C C A.

utterance: Correct.

utterance: Last name Smart, S M A R T.

utterance: Yes.

utterance: OK, and then I have your street address as four seven seven five Kelly, K E L L Y Street.

utterance: Correct.

utterance: Thank you and that's in Charlotte.

utterance: Yes, ma'am.

utterance: OK, in North Carolina.

utterance: Correct.

utterance: Thank you, and may I have your ZIP code please?

utterance: Two eight two oh four.

utterance: All right, two eight two zero four.

utterance: Correct.

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

utterance: Yes, ma'am, my social is two four four, three nine, oh six, two three.

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

utterance: Correct.

utterance: Thank you, and may I have your driver's license number, please?

utterance: All right My driver's license is one twenty-two, seven four seven, seven seven five.

utterance: Thank you. I have one two two, seven four seven, seven seven five.

utterance: Correct.

utterance: Thank you, and what state is this issued?

utterance: North Carolina.

utterance: North Carolina, thank you. and Ms. Smart, for security purposes, we do require a four to eight digit PIN number. That's just so if you called to check on your the status of your application, or you need to access any information about your accounts, then we will ask for the PIN number.

utterance: All right, my PIN will be three one seven one.

utterance: OK three one seven one.

utterance: Correct.

utterance: Thank you ma'am, and may I also have your email address please?

utterance: Yes ma'am, B Smart. B S M A R T fifteen at Gmail dot com.

utterance: Thank you, ma'am, I have B S M A R T one five at Gmail dot com?

utterance: Correct.

utterance: Thank you, and may I have the name of your business, please?

utterance: Crazy Cuts.

utterance: Crazy Cuts, thank you. And are you the sole owner of this business?

utterance: Yes ma'am I am.

utterance: Thank you, and what date was your business established?

utterance: November thirteenth two thousand and six.

utterance: November thirteenth two thousand six. Thank you. And what are your gross annual sales?

utterance: Sixty thousand.

utterance: Sixty thousand, all right, thank you. And may I also have your tax identification number, please?

utterance: Oh, just a minute I'm not sure where I laid it. Hold on, please.

utterance: Sure, no problem. Just let me know when you've returned, Ms. Smart.

utterance: I've gotten it. Are you there?

utterance: Yes ma'am, I am.

utterance: All right, my tax ID is four three seven, four nine eight, zero zero zero.

utterance: OK, thank you so much. That's four three seven, four nine eight, zero zero zero.

utterance: Correct.

utterance: All right, wonderful. And Ms. Smart, may I also have the address of your business, please?

utterance: Yes ma'am. Crazy Cuts is located at nineteen twelve Mount Holly Street, Charlotte, North Carolina.

utterance: OK, so that's one nine one two, Mount M O U N T, Holly H O L L Y Street?

utterance: Correct.

utterance: OK, and just to verify Mount Holly, that's two words, correct?

utterance: Correct.

utterance: Thank you. And you said that's also in Charlotte, North Carolina?

utterance: Yes, ma'am.

utterance: OK, and your ZIP code please?

utterance: Two eight two oh four.

utterance: Two eight two zero four.

utterance: Correct.

utterance: OK, and we do need a mailing address for you. That could either be your home address, or your business address.

utterance: I prefer you send all my information to my business address.

utterance: OK, to your business. And just to verify, that's the nineteen twelve Mount Holly Street, Charlotte, North Carolina, Two eight two zero four.

utterance: Correct.

utterance: Thank you so much. And what credit limit would you be applying for today?

utterance: fifty thousand.

utterance: Fifty thousand, all right, thank you Ms. Smart. And what would the purpose be behind applying for the line of credit?

utterance: I've been in business quite some times, and I wanna replace some of the equipment.

utterance: OK, so equipment purchase costs.

utterance: Yes ma'am.

utterance: All right, well Ms. Smart, I do have everything down here on my end. now what we're gonna need you to do, just please remember to send in your supporting business documentation. And we will get back to you just as soon as possible with the results of your application, OK?

utterance: Thank you.

utterance: All right, is there anything else I can assist you with?

utterance: No ma'am, you've been quite helpful.

utterance: All right, thank you so much Ms. Smart, and thank you for calling Intellibank, have a wonderful day.


utterance: Hello and thank you for calling Intellibank. My name is Suzie and how may I assist you today?

utterance: Hi, how's it going? My name is Jeff.

utterance: Hi Jeff, how are you today?

utterance: Doing well.

utterance: Great! Glad to hear that. Well how may I help you today Jeff?

utterance: Well I was thinking about getting out of the country for a bit. Have a well I'm setting up a press conference basically. So I'm just. Yes, setting up a little conference and think it'd be exciting to get out for a little while and just trying to choose between Europe or maybe Mexico. Go to Cancun.

utterance: I see.

utterance: Sounds like two great choices. All righty and what can I do for you today?

utterance: Right. Well I was hoping to look at certain exchange

utterance: At the exchange.

utterance: Rate. Absolutely, I could do that for you.

utterance: Jeff, just to get started, let me just pull you up on our system. What is your last name please?

utterance: It's Markos.

utterance: M A R C O S?

utterance: A R K O S.

utterance: K O S. Thank you.

utterance: Markos.

utterance: Thank you.

utterance: All right, and will I find you under Jeff or Jeffrey?

utterance: It should should be Jeffrey actually. Sorry.

utterance: OK, no no that's all right. J E F F R E Y?

utterance: Yes that's correct.

utterance: OK, great! All righty. And may I please have your four digit PIN number?

utterance: Sure thing. It's Hang on. I'll. I just had a brain fart oh my god.

utterance: It's OK.

utterance: Damn it. I. Sorry. I have another account and that number keeps coming to mind. Let me just. Hang on a second. Let me grab this book. I have it in there.

utterance: OK.

utterance: Not a problem.

utterance: All right, So how are you doing today?

utterance: I'm

utterance: Doing great and just so you know Jeff, if you can't find the PIN, I can ask you a couple of security questions.

utterance: Yeah.

utterance: No no, I can

utterance: Find it, I can find it. I'm just.

utterance: OK.

utterance: Take your time.

utterance: All right.

utterance: do do. Damn it! Where is it? OK, OK, Sorry, sorry, sorry. All right, here it is. All right now. OK, security number is five nine three eight ugh. Yeah, sorry about that.

utterance: That's great.

utterance: That's all right. Perfect. That let me into the system and I just need to verify your date of birth.

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

utterance: All right, one moment. Perfect. That does pull up all your account information Thank you for your loyal patronage. I see it looks like you've been a member almost since you were an infant, but you your parents probably established it for you.

utterance: Great.

utterance: Yeah they

utterance: Established it.

utterance: Great! All righty, so we're going to look at the euro and for Europe and the peso for Mexico.

utterance: That's

utterance: Right.

utterance: OK, so I do see here the euro right now is really close to the dollar, point nine five which is the strongest it's been in quite a while.

utterance: Well I might as well just grab it then right?

utterance: Y~

utterance: you can if you'd like?

utterance: The dollar doesn't change much for the most part I don't think so that's Always pretty stable so.

utterance: Well yeah.

utterance: Cuz we're always gonna be comparing to what. To the. To a one dollar amount.

utterance: The only way it would change is if your if you were in another country and you wanted to grab some American dollars then, you know, that might change.

utterance: Huh.

utterance: if that makes sense? I don't think I explained that very well.

utterance: No no. No that

utterance: Makes sense. Everything's being judged off of the dollar so the fluctuation isn't just fluctuation of their currency. It could be a fluctuation of ours. Huh.

utterance: Exactly.

utterance: All right now. Looking at the peso. The peso is pretty in a pretty standard basis, it's always lower than the American dollar. However you're money does go further over in Mexico just on a personal note coming in at point seven zero.

utterance: Now you know.

utterance: Point seven zero. OK, OK.

utterance: Right.

utterance: And just so you know we can access this information any time you'd like but you can also find this online and believe it or not, even on our mobile app.

utterance: I have a question for you. If you could go out of the country, would you like to go to Cancun or would you like to go to Belgium?

utterance: Oh hands down I would rather go to Belgium Belgium. I'm not much of a resort kinda place. I. I'll. I if I was to go to Mexico, I'd rather go to places that are less less touristy. and I've I've been to Europe, but I've never been to Belgium.

utterance: OK.

utterance: All right, cool. Well I appreciate all your help.

utterance: Well thank you so much and thank you for calling Intellibank. Have a great day.

utterance: All right.

utterance: Bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, how may I help you?

utterance: Hello, how are you doing? This is Alex.

utterance: Doing great.

utterance: Yeah, this is Alex Paul and I was calling in regards to pay off my credit card.

utterance: OK. We'll be happy to help you with that. You said your name was Paul, P A U L?

utterance: Yes.

utterance: Got it, and your date of birth is?

utterance: zero two fifteen nineteen ninety-two.

utterance: Excellent, and can you give me the card that you're calling about?

utterance: Yeah.

utterance: Yes, it is seventy-six fifteen forty-three thirty-three eleven zero eight seven two. Oh, I'm sorry. I'm sorry, I read that wrong. I read that all wrong. let me, let me redo that. I'm sorry, that's my other account. OK. It's actually eleven thirty-three thirty-four fifty-four sixty-one seventy-six five.

utterance: No problem.

utterance: OK. And can I get the expiration date and the three-digit code on the back?

utterance: Yes. It is eight eighty-two. oh no no you said expiration date. the expiration date is zero five five two thousand twenty-two.

utterance: OK. just May two thousand and twenty-two, was that the answer?

utterance: Oh.

utterance: Shoot. My bad I'm sorry. That's the wrong card.

utterance: It's just a month.

utterance: And a. Month and a year.

utterance: yeah yeah. It's Yeah, my bad.

utterance: Long day, bro. Long day. Yeah, five twenty-two. There it is.

utterance: And what's the three-digit number on the back?

utterance: one three two.

utterance: Got it. OK so your current balance is one thousand dollars and looks like fifty cents.

utterance: Yep.

utterance: OK, and would you like to make the full payment or a partial payment?

utterance: I'd like to do half.

utterance: Half, OK so five hundred dollars and twenty-five cents?

utterance: Yep.

utterance: Got it.

utterance: And what method of payment would you like to use?

utterance: I would like to use my account.

utterance: Your checking account?

utterance: Yeah.

utterance: OK, great. Can I get that account number?

utterance: Yes. It is two six five four three one one three six one two seven.

utterance: OK, and the routing number?

utterance: Routing number is eight eight two two nine two three five five.

utterance: Great. OK, so we're making a partial payment of two hundred and fifty dollars and twenty-five cents. And would you like to set up auto pay so that you're continually paying automatically every month or would you like to continue with manual payment.

utterance: I would definitely love just to do manual. I feel like I have more control and yeah. So I'll do that.

utterance: Great.

utterance: No problem.

utterance: OK, so the payment date that we're setting up for this transaction is effective today, is that correct?

utterance: Yes.

utterance: OK, great. And then if you ever decide you want to change your payment options or look at your transactions and statements beforehand, you can always go onto our website Intellibank dot com, and with this information you can see all of your accounts, all your transactions and everything else going on.

utterance: I love it. Love it.

utterance: Excellent.

utterance: All right makes a lot of sense now that I can actually get things done and you know, I feel very accomplished today. Finally, I made a payment on this thing. So I can just stop running from everything and get it done. so I'm a changed man now.

utterance: Well.

utterance: Glad to hear it. is there Are there any other questions about your account I can help you with? in regards to your business, I see that you have this checking account and then you have some payroll accounts on here, some automatic payments to employees. Just wanted to make sure everything's running smoothly and that we can't help you out with anything else in terms of payroll or loans or any other business expense stuff that you need.

utterance: Mhm.

utterance: Yes.

utterance: Well, most likely.

utterance: the business account is pretty much sitting clear, there's no debt into that one. We always make sure that one's good. all around this was just really old like college or whatever so yeah got to get it get it done you know. No everything across the board is good now but if we if I do want to expand in you know other businesses then I'll make sure to hit you guys up and see what type of deals we can do and all that type of good stuff. With loans or whatever.

utterance: Great.

utterance: Sounds fantastic sir.

utterance: well please feel free to contact us in the future about any other business needs you might need, so we can help you out with those. and this payment is processed and that's about it. Unless you have any other questions or stuff I can help you out with.

utterance: All righty. Sounds like a plan. Thank you so much, I greatly appreciate it.

utterance: Excellent, you have a great rest of your day.

utterance: You too, bud. Have a good one, man.


utterance: Hi. This is Dani Brooks at Intellibank. How can I help you today?

utterance: Hi, Dani. How are you?

utterance: I'm good. How are you?

utterance: Good, good, good. my name is Jesse Felix.

utterance: Hi, Jesse. is there something I can help you with today?

utterance: Yes, yes. I'm I'm calling because I'm thinking about getting a real estate loan. And so I have a a small contracting company. And and usually fix a lot of different clients' houses. But we're looking to actually purchase our own property, looking to move pretty soon, within the next thirty days, like to close this deal. And so before I submit any kind of application online, like to just do. I'd like to just get a quick liquidity ratio update because the statement that I have here's maybe like six, seven months old. I can't find the recent one, so I'm having a bit of trouble logging in online. so I was hoping to talk to someone that could help me get a current quick liquidity ratio. Could you help me with that?

utterance: Of course. I'd be happy to help you with that. So let me pull up your account so I can check on that for you.

utterance: Wonderful. Thank you.

utterance: C~

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

utterance: Yeah, absolutely. so my.

utterance: Oh.

utterance: Oh, I see it in the you're Felix, Mr. Felix?

utterance: Yeah.

utterance: Right, Jesse Felix. That's that's right.

utterance: OK.

utterance: I got you.

utterance: Just like the cat, you know, Felix the cat?

utterance: Yes, exactly.

utterance: You You know?

utterance: You know, I actually have a a collection of Felix the Cat shirts? You know, and I typically. Yeah. I typically only wear Felix the Cat inspired clothes.

utterance: Oh that's adorable.

utterance: Oh, that's that's some commitment to it. You must have quite the collection.

utterance: Right. Right.

utterance: It's growing. It could be bigger. So you know, right now I have about like nineteen different Felix the cat outfits, and I kind of like alternate them.

utterance: Oh, wow.

utterance: Yeah, so hopefully, when I. when I close this deal with this property, probably buy a new Felix the cat outfit just to to to celebrate.

utterance: OK, well, I hope that I can do my best to help you get to that point and get your new shirt. OK, can I go ahead and can I get your credit card number?

utterance: Yes, it's two two five one four four one three two two one nine five two seven eight.

utterance: OK, and that is two two five one four four one three two two one nine five two seven eight?

utterance: Yes. That's correct.

utterance: OK great.

utterance: And can I also get your PIN number, please.

utterance: Yes. It's one four eight six.

utterance: One four eight six. OK, I'm gonna go ahead and pull up your account. Can I get some security information quickly so that we can proceed to your account?

utterance: Of course.

utterance: OK. so you answered a few security questions when you set up your account. So I'm just gonna go ahead and ask you those.

utterance: OK.

utterance: What street did you grow up on?

utterance: I grew up on Alvarado Street.

utterance: And that's A L V A R A D O?

utterance: Yes.

utterance: OK, great. And what was the name of your first pet?

utterance: And my first pet, his his name was We we named him Grandpa.

utterance: Grandpa. OK.

utterance: Grandpa.

utterance: Yeah, he was a cat.

utterance: Yes, I'm seeing that. OK, so thank you so much for verifying your information. I'm gonna go ahead and pull up your account.

utterance: Thank you.

utterance: OK, so I'm in your account right now. And you were calling to find out your quick liquidity ratio?

utterance: Please, yes.

utterance: OK.

utterance: Let me just pull that up. One moment.

utterance: OK, so it's looking like your ratio is point five.

utterance: OK, is that Is that. Is that good? Or is that bad? I

utterance: it's it's on the upper end.

utterance: OK. OK. So do you think I have a good good chance of getting this approval?

utterance: I think it would depend on what type of loan you want to get, and I would say that the best way to find out is to go online to our online calculator where you can put in your information, such as your net income, your liquidity ratio, and you can find out exactly what type of loans you'd, you know, be capable of getting approved for. So before you even apply, you'll just know. And you won't waste your time.

utterance: OK, so let me. Yeah, let me. Let me do that. Let me look at the calculator online. And I'll submit. And then then I'll call back if I have anymore questions.

utterance: OK. Is there anything else we can help you with right now?

utterance: no. I think. I think that should be enough. Yeah, that's enough for right now.

utterance: OK, well, you have a good day then.

utterance: Oh, thank you. You you do the same.

utterance: Thank you.


utterance: Hey hello sir, how are you doing?

utterance: Sorry about that.

utterance: That's all right sir, thank you for calling Intellibank. How are you today?

utterance: I'm good. I'm still on the phone with my employees and you know my customers man that I sometimes I forget why I'm calling you know my bank.

utterance: Sure sir.

utterance: Yeah.

utterance: Absolutely. Not a problem.

utterance: Yeah absolutely.

utterance: Man. Yeah I I'm sorry.

utterance: What can I what can I do?

utterance: For you today?

utterance: Man so first and foremost I need to order checks. But man people are going crazy down my throat and asking me all these questions and one of my my my top employees of the director of of the blockchain system that we we're running you know this guy just messed up everybody's pay system. He wrote in the wrong code. And I'm just like oh my gosh man what this this couldn't get any worse for me. So I'm just kinda all of the place man and then you know people are trying to walk out and all this stuff so now I need they're demanding their checks and this and that so.

utterance: Well I'm sorry to hear that sir and I'm happy to help you how I can. Let me know what I can assist you with today.

utterance: Oh.

utterance: OK, I needed to want. See if I can order the checks through my docking system. And that that provides since I'm a platinum member and I wanted to see if I can move and shift that. And then also I wanted to see if I can either get the checks ordered to me or if I can pick up the checks and yeah. So it's just a lot more right now. So what do you think about ordering the checks?

utterance: Sure. Sure.

utterance: Sir I can help order checks for you right now. And I can have them shipped to the address I have on file or any address that you give me.

utterance: Now what what address do you have on file again? Because now I'm. my mind is running and my head is off like cut off and around.

utterance: Abs~

utterance: Absolutely sir.

utterance: the address I have on file for you is sixty-three ninety-nine Wilshire Boulevard is that correct?

utterance: no we're we need to change that. I don't know why that didn't update I I I I need to change that that that's definitely old.

utterance: Sure.

utterance: Take care of that for you.

utterance: Or it needs to be updated. I told my assistant to update that. I don't know why she didn't so jeez somebody's getting fired. You know

utterance: well. Sorry to hear about that.

utterance: Mistakes do happen. now can you let me know your first name last name and date of birth?

utterance: Tell me about it.

utterance: Yes, my name is Eric Eric Williams Oh date of birth.

utterance: It's OK.

utterance: Date of birth.

utterance: Sure.

utterance: Yes. zero three twenty nineteen ninety-three.

utterance: Mhm.

utterance: Great.

utterance: And can I have the customer PIN number with the account?

utterance: Yes you can. it is Oh, wait hold on real quick.

utterance: Sure no problem.

utterance: You needed my customer PIN correct? You still there? OK, customer PIN is twenty-two ninety-nine four.

utterance: That's correct.

utterance: Great and how many checks can I send out to you today?

utterance: I need about at least I'm gonna say about five hundred. Cuz I want two fifty at my main office and then I guess the other one got shipped to the wrong that wrong address. So I I need to get it. Yeah I need to get those back so.

utterance: Oh I see.

utterance: Well.

utterance: Probably just keep them at my main my main place.

utterance: I.

utterance: I am able to ship these checks to multiple locations if you have multiple offices you would like to have the checks sent to. Or I can send them to one and then you can take care of it from there.

utterance: You know I think. Well because the last check the last checks went to the old address that needed to be updated that my assistant didn't do.

utterance: gotcha.

utterance: So.

utterance: Yeah I need to just go ahead and get that rolling and yeah so we can just send because that was two fifty there. I need five hundred to my main address now.

utterance: OK.

utterance: Sure.

utterance: OK, great well let me just update everything in the system. Can you give me the address that is.

utterance: Yes.

utterance: Gonna work for you?

utterance: Martel Ave.

utterance: What number?

utterance: suite eighty-five.

utterance: Sorry what's the street number?

utterance: Oh, seventy-seven sixty-three.

utterance: Seventy-seven sixty-three Martel Ave.

utterance: Yes.

utterance: And you said the suite number was what?

utterance: Suite suite eight.

utterance: Suite eight.

utterance: Oh, eighty-five. Suite eighty-five.

utterance: Eighty-five got it.

utterance: Sorry, been dealing with numbers all the time. grand in there man.

utterance: And.

utterance: I understand.

utterance: Sure and and what what city and state?

utterance: Thank you so much so.

utterance: California in Los Angeles.

utterance: Mhm.

utterance: Los Angeles, California. Great and what ZIP code?

utterance: Yes.

utterance: it is ninety-three sixty-four seven.

utterance: Fantastic well I'll get these checks sent out to you. and you know anytime you want to order online you are absolutely able to login with PIN number that you gave me. And to order checks, check your balances anything of that nature.

utterance: Thank.

utterance: Thank you thank you now.

utterance: Sure.

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

utterance: No, you've been a blessing man. thank you man now I can tend to this headache.

utterance: Great well you have a great rest of your day.

utterance: All right, you too sir bye bye.

utterance: Goodbye.


utterance: Hey this is Cory with Intellibank. How may I help you today?

utterance: Hi Cory. so I was calling today to find out what payment I'm supposed to be making on my loan this month.

utterance: OK I can help you with that. what is your first and last name and date of birth?

utterance: It's gonna be Natalie Reyez.

utterance: How do you spell the Rayez?

utterance: It's R E Y E Z.

utterance: R E Y E Z?

utterance: Uh-huh.

utterance: OK.

utterance: Oh sorry and you wanted

utterance: Date of birth.

utterance: Date of birth. Of course yeah. It's gonna be June tenth nineteen ninety-five.

utterance: June tenth nineteen ninety-five. OK and what is the account number that you're referring to?

utterance: OK it's five zero six zero.

utterance: Mhm.

utterance: Four two five five.

utterance: Four two five five. OK and what is the name of your first pet?

utterance: I think I probably would have wrote Cupcake.

utterance: Cupcake. no. It is not Cupcake. What else do you got?

utterance: I did I did have some of those little sea monkeys that I had before before Cupcake. Maybe I would have what what did I call those?

utterance: maybe try Kingfish?

utterance: Kingfish? OK. not Kingfish either.

utterance: OK hold on. Let me. I'm just gonna. Sorry about this.

utterance: Oh no you're fine.

utterance: I'm gonna go ahead and I'm just gonna text my sister and see if she knows what we called those things.

utterance: Yeah OK.

utterance: OK. One second. OK. OK she said it was named Bobby Brown.

utterance: Bobby Brown. Nice. OK. Was the other one Whitney Houston?

utterance: probably.

utterance: Nice. OK. So Bobby Brown and that is correct. OK.

utterance: OK.

utterance: Great.

utterance: Great. OK. So Let let's go over this again. You want to check on your loan and.

utterance: Mhm. Yeah I wanna I wanna find out how much I'm supposed to be paying this month.

utterance: OK. So for this loan it looks like your payment is two hundred and seventy-five dollars.

utterance: OK. Yeah sorry. My husband he usually pays it but he's out of town this month so I wanted to go ahead and do that so he doesn't have to worry about it.

utterance: OK yeah. That is absolutely fine but now in order to do that I am going to need your bank account number and your routing number.

utterance: Ew! OK so I don't I don't know that off the top of my head but my husband Nate he does he does keep files in his office. Hold on one second. I'm gonna go check and see if he has that in there.

utterance: OK. Yeah. Take your time.

utterance: OK one second.

utterance: Mhm.

utterance: OK so I'm looking at a bank statement. You said you needed what?

utterance: I need the bank account number and the routing number.

utterance: OK so that's gonna be.

utterance: If you have a check. I mean you can also. It'll say that on the check too. So if you don't have the routing number on the bank statement you can check on the check and that should help.

utterance: OK so I think it's on here. OK so I I I have the account number.

utterance: OK.

utterance: It's four zero six zero.

utterance: Four zero six zero.

utterance: Five two four five.

utterance: Five two four five.

utterance: Uh-huh.

utterance: OK.

utterance: And the routing number should be. Let me see one second.

utterance: Mhm.

utterance: Nine three three five six.

utterance: Nine three three five six. OK and you would like to make that payment today?

utterance: yes.

utterance: OK.

utterance: And you said and you said. I think you said two seventy-five?

utterance: Yes yes. That's correct.

utterance: OK yeah.

utterance: OK so I can. let me pull this up. All right. So it is currently processing for two hundred and seventy-five dollars.

utterance: OK that's great and

utterance: Did you want to make that a recurring payment or you you wanna keep your husband doing it each time?

utterance: I'll let him do it. He he generally likes to handle this type of thing I just wanted to you know lessen the load a little bit while he's out of town.

utterance: Oh that is that is a very kind gesture.

utterance: Yes. OK so I'm all good to go. Am I gonna be getting a email receipt?

utterance: Yes. You'll get an email receipt. usually it takes. It can take a few minutes maybe a couple hours but you will definitely get one today and if you don't you can give us a call back.

utterance: OK great. Thank you so much. You've been so helpful.

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

utterance: No I think that's it.

utterance: Well thank you again for being a wonderful customer to Intellibank and I hope you have a glorious day.

utterance: Thank you.


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

utterance: Yeah, hi. Can you tell me the exchange rates for different currencies please?

utterance: Yes sir, I can certainly help you get the exchange rate for some currencies. First I need to get a little bit of information from you so I can go ahead and look up these in our system if you don't mind?

utterance: All right. Ready when you ready.

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

utterance: Yes, my name is William Grayson.

utterance: All right Mr. Grayson, could I have your birth date please?

utterance: Yes, my birthday is five twelve one nine seven four.

utterance: All right sir. Now can you give me the PIN associated with your account with us?

utterance: My PIN is thirty-two forty-four. Wait a minute, no it's not. I just told you a tale. the correct PIN is five five two three.

utterance: All right sir, it looks like that is accurate in our system. Thank you very much for verifying that information with us.

utterance: All right.

utterance: OK sir, so what is the source currency you would like to exchange with?

utterance: US dollar.

utterance: All right sir. And what would be the destination currency you're asking about?

utterance: how can you tell me something about Euros?

utterance: Yes sir the. All right sir, so you would like the exchange rate for the US dollar versus the euro?

utterance: Did I say that right?

utterance: Yes.

utterance: All right sir. Certainly let me look this up for you right quick.

utterance: All right.

utterance: OK sir, it looks like the current exchange rate for the US dollar versus the euro is is one US dollar is equal to eighty-seven cents on euros.

utterance: OK, how about ?

utterance: All right, you want the Japanese yen?

utterance: Yes.

utterance: All right sir. So it looks like the current valuation for US dollar against the Japanese yen is one US dollar equals a hundred and fourteen Japanese yen.

utterance: Oh OK. That's not bad, that's not bad.

utterance: Of course,

utterance: Sir. It's very good valuation with us.

utterance: That's pretty good.

utterance: Pretty good. How about the Canadian dollar?

utterance: All right sir. Currently the Canadian dollar is trading for a dollar twenty-five versus one dollar US.

utterance: A dollar twenty-five? A dollar and twenty-five?

utterance: Yes, sir.

utterance: So that means that if you were wanting to, you know, exchange your dollar fifty cents from Canada to US dollars, you'd actually get a little bit less back so.

utterance: Oh, a little bit less? I need more back.

utterance: Yeah.

utterance: Yeah.

utterance: What do I do?

utterance: More that way but yeah.

utterance: OK, have I asked about the British pound?

utterance: No sir, you certainly haven't. Would you like to know that information as well?

utterance: yes ma'am. Can you tell me that?

utterance: All right sir. Currently the US dollar equal to seventy-five cents in British pounds.

utterance: Seventy-five cents, huh?

utterance: Yes,

utterance: Sir.

utterance: Seventy-five cents? OK. OK, that's pretty good.

utterance: OK sir, you need any more valuations from us?

utterance: let me see. one more. I want one more please.

utterance: All right.

utterance: let me get let me get let me see. I got the British. I got Canadian. I got.

utterance: Australia.

utterance: let me try Australia.

utterance: OK sir, you would like to know how much the US dollar is against the Australian dollar?

utterance: Yes, yes please.

utterance: OK, sir.

utterance: Sir. Could you give me just one moment while I look that up that exchange rate please?

utterance: yes, yes. So Cassandra, are you looking forward to are you are you looking forward to getting a break for the holidays?

utterance: Oh yes sir, it is certainly long overdue. I've been working nonstop for the past three weeks, actually.

utterance: Oh really?

utterance: Yes, I'm trying to collect a little bit of extra money. I've been volunteering for some extra hours so that I can get some yeah.

utterance: Oh, really?

utterance: so do you have to work on Christmas? Christmas Eve?

utterance: Oh, no

utterance: Sir, no sir. Banking hours. That's the best part about banking hours. We don't work on most holidays so.

utterance: Oh that's good. Shoot.

utterance: yeah but we work all the time after that so.

utterance: Oh .

utterance: Yeah we don't get much days off.

utterance: That's the only

utterance: Break you get off, huh.

utterance: Yes

utterance: Sir, most of the time. All right sir, so I've looked that up for you. It looks like the current exchange rate for the Australian dollar is a dollar thirty-seven in US.

utterance: All right. OK.

utterance: All right sir, are there any more currencies you'd like information on?

utterance: no, that's about it.

utterance: All right sir. I'd like to let you know that we also offer an exchange rate calculator on our site at Intellibank dot com. so in future, if you wanna just look up a quick exchange rate, you can always go online there and you can just go ahead and and put your values so you'll be able to pull it up online.

utterance: Oh all right. Sounds like a plan.

utterance: All right sir, thank you so much for your time and patience. Again, my name was Cassandra and I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you sir. Bye bye.