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

utterance: Yes, I noticed I really received in the mail you know, something talking about new lines of credit.

utterance: Can you tell me some more about it?

utterance: Yes ma'am I'll be happy to help you with that. first of all, if you would, I'm going to need to pull up your information so I can see exactly what was offered to you. if I could ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: Alright, and what is the business name on your account?

utterance: Jones Bed and Bath.

utterance: Thank you Ms. Richards, and I'll just ask a few questions for account security purposes. what is your date of birth?

utterance: Eleven eleven nineteen four.

utterance: And what is your phone number for the account?

utterance: Six seven eight three six one eight oh three one.

utterance: And what is your bank account number with us?

utterance: OK, it's nine eight four six five nine one.

utterance: Alright and also what is your PIN number?

utterance: One zero seven one.

utterance: OK, and you said you received a notice from us, is that correct?

utterance: Yes.

utterance: And you said it was in reference to?

utterance: new lines of credit.

utterance: I see here.

utterance: yes I was able to find that so yes ma'am as far as the notice as I was able to pull up your account it appears your correct we did send you a notice in reference to lines of credit available that's being offered to you, and with the lines of credit being offered to your business, we have actually a few options for you. We're offering business platinum card, business gold card and a business silver card and they're being offered to you right now and are some of our lowest interest rates ever.

utterance: OK.

utterance: OK and with that said would you like to hear a little bit more about the different card types?

utterance: Yeah I sure would.

utterance: Sure well with the business platinum card, you'll receive two percent cashback on all purchases of your on your business platinum card, but there's a hundred dollar annual fee.

utterance: OK.

utterance: On the business gold card, it's two percent but it's not on all purchases, it's two percent cashback on groceries and gas with no annual fee.

utterance: OK.

utterance: And then on the business silver card that is no cashback at all and no annual fee so the silver has no cashback or annual fee.

utterance: The gold business gold card has two percent cashback on groceries and gas, but no annual fee .

utterance: But on your business platinum card it's a hundred dollar annual fee, but it's two percent cashback on all purchases no matter the category.

utterance: OK yeah, I like that one.

utterance: OK, well I mean that was part of why we were reaching out to you, because you know we certainly like to extend an offer for you to apply for a a line of credit with us and I if you'd like I can certainly go ahead and take your application here today?

utterance: Yeah I think that is great because I didn't know that you I just thought you just did loans. I didn't know that you, you know, did other lines of credit. That's great.

utterance: Yes ma'am we do, great point, we do more than just offer loans on, for instance, real estate or offer loans backed by the SPA or even term loans. We do also offer lines of credit, particularly with our business platinum card, with the two percent cashback on all purchases and a hundred dollar annual fee. Our gold card with no annual fee but two percent cashback on groceries and gas, and of course our silver card with no cashback at all but also no annual fee.

utterance: OK great, that sounds good. Yeah and I noticed y'all doing some remodelling some painting, you know, new sign and all of that.

utterance: Yes ma'am, we are are indeed.

utterance: Great.

utterance: And that's why I called.

utterance: Oh yeah absolutely, well thanks for noticing. we appreciate you taking note of that and yes ma'am we are doing some remodelling just to freshen the place up. So whenever you come visit us again you have a a a welcoming new environment to visit us in.

utterance: That's exactly how it looks.

utterance: And with that being the case again, if you'd like, I know you just mentioned the that you'd be open to going ahead and applying for a line of credit, which particular card would you be interested in?

utterance: Yeah, I'm interested in the business Visa platinum.

utterance: OK terrific, let me just ask a few questions to start your loan your, pardon me your your credit card application and we'll get that over to our credit department, OK?

utterance: OK.

utterance: what is your business address?

utterance: One oh seven five, Laymans court, Smyrna Georgia three zero zero zero eight.

utterance: And your mailing address, would that be the same?

utterance: Yes.

utterance: And what is your personal address?

utterance: Personal address is one one Oakwood Avenue Smyrna Georgia three zero zero eight zero.

utterance: And, what is your social security number?

utterance: Two three five zero six eight two six eight.

utterance: And what is your drivers licence number?

utterance: Zero six two four eight seven one two.

utterance: And what is the gross annual sales for your business?

utterance: it would be about five hundred thousand.

utterance: OK, and what is your tax ID?

utterance: Tax ID is seven three one six nine five eight two two.

utterance: And what is your business email address?

utterance: It is E dot Richards at Jones B B dot com.

utterance: And what is your personal email address?

utterance: E dot Richards at mail dot net.

utterance: And in case I didn't ask again, what is your drivers licence number?

utterance: you did, but it is zero six two four eight seven one two.

utterance: OK, and what was the credit limit you were looking for on your card?

utterance: twenty-five thousand.

utterance: OK, terrific.

utterance: I will go ahead, I think we have everything I need here at least on our end to begin the application process for your your business platinum card Visa card as well. what I will do, Ms. Richards, if you would is go ahead and forward your application over to our credit department.

utterance: And what they'll do is process your application and then reach out to you if there's any further questions, and generally speaking you should hear back from us within about two business days.

utterance: Alright.

utterance: and with that being the case is there anything else I can assist you with?

utterance: No, not today.

utterance: Well Ms. Richards again, I certainly appreciate your giving us a call, and again thank you for noticing the remodelling, hopefully next time you come in you're really gonna like it. I know you're in the Bed and Bath so who knows maybe you can give us some suggestions next time on how to decorate.

utterance: That would be nice.

utterance: Well again Ms. Richards, thank you for giving us a call and you have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: I got something in the mail about my business silver account something about a monthly statement or something, and I I need to know what this is about.

utterance: I'll certainly be happy to assist you with that ma'am and address address what that particular notification that you received in the mail was about. But if you would just let me know what is your first and last name?

utterance: Evelyn Richards.

utterance: OK Ms. Richards, and what is the name of the business that has the business silver account with us?

utterance: Sally's hair salon.

utterance: OK that's Sally's hair salon, is that correct?

utterance: That's right.

utterance: OK and I'm just gonna ask a few questions in order to verify your account because we here at Intellibank take account security very seriously, and it's really for your protection, just so that no one has access to your account without your authorization. Is that OK?

utterance: Yes.

utterance: Alright so let me just ask, the first question here is, what is your date of birth Ms. Richards?

utterance: Eleven eleven eighty-four.

utterance: OK and Ms. Richards, if I could just ask, what is the phone number for your account?

utterance: I I'm not sure which number you have six seven eight two oh two four two five three or six seven eight three six one eight oh three one.

utterance: OK I believe the second one is the one we have on file which is six seven eight three six one eight zero three one is that correct?

utterance: Right that's it.

utterance: All right and let me ask what is the mailing address Ms. Richards for your business?

utterance: Three six eight eight Layman Court Smyrna Georgia three zero zero eight zero and my account number is four four seven nine six five three two seven four four six three nine two six.

utterance: OK you said that the address is three six eight eight Layman Court Smyrna Georgia three zero zero eight zero?

utterance: Right.

utterance: OK well thank you for that and I of course you said the card number that you gave me was four four seven nine six five three two seven four four six three nine two six is the number you gave me?

utterance: Right, that's right.

utterance: Alright and one last question here before I'm able to confirm your account information. that is, what is your PIN number?

utterance: It's one zero one seven.

utterance: OK you said your PIN number is one zero one seven?

utterance: Yes that is correct, and you know I tell you I am trying my best to just stay warm. You know I just the weather just changed and it's just very chilly in the evenings and I didn't take my sweater and whatever so I just got really cool. But you know like I said I I do enjoy the weather but, cuz this is a great time of the year, but I just got chilled.

utterance: Oh wow, well yes ma'am you're right it is certainly a great time of year. But yeah, you probably you may wanna, just for your own sake, make sure you take a sweater or maybe put a spare sweater in the car, or or what have you, so that you always have one or take one to the office as a spare, so you always got one available handy even if you didn't dress in one that particular day there Ms. Richards.

utterance: I certainly meant to do that and I could tell the difference later.

utterance: I fully understand, well hopefully you stay warm cuz you're right it's a beautiful time of year.

utterance: Yes.

utterance: Now, yes. I was able to again verify your account. Thank you for that answering those questions for us for me. But as I review your account you're correct we did send you a notice in the mail about your business silver card. And what it appears Ms. Richards is that the notice that we sent to you in the mail was to inform you about your interest rate change on your card.

utterance: Wow, that's very important.

utterance: Yes ma'am it appears that in this particular case there will be a interest rate increase on your business silver card. It has not taken effect yet, but it will as of January first twenty twenty-two.

utterance: OK.

utterance: Yes ma'am and just to explain why that is it appears that there was a it's not really necessarily anything related to you and it's actually happening really for the most part across all of our accounts, because there was an increase in the interest rate from the Federal Reserve. And whenever that happens often times, not in every instance but in many instances, it is automatically triggers an increase in the interest rate for all of our credit accounts that are considered revolving credit accounts, which is what your business silver card is.

utterance: Well we don't know what that increase will be do we?

utterance: Yes in the notice it was informing you that the interest rate is going to go up by zero point five percent.

utterance: OK, all right I'm glad you let me know that because I definitely need to stay on top of costs.

utterance: cost is always very important for business owners, so I completely understand your concern and and consideration and because this is so urgent as you're mentioning it may be best if for instance some of these notices and changes are sent to you by email, instead of by mail, so that you can get it almost instantaneously instead of having to wait for it to come through the mail, and maybe gets lost with other probably advertisements and other maybe junk mail that you get.

utterance: That email will come directly from our trusted account that you likely have with your email, and you can receive that notice instantly.

utterance: Yeah let's do that cuz that would be much better.

utterance: Yes ma'am I certainly understand that. Well if you would, just let me know what is the email address, because it appears we don't have an email on file for you, what email would you like to add to your account?

utterance: So that we can just begin to send you these important communications on your, not just your business silver card but all of your other accounts with us as well. What email address did you want to add?

utterance: E dot Richards at SHS dot com.

utterance: OK, that's E dot Richards at SHS dot com?

utterance: That's right.

utterance: Alright I've gone ahead and added that email address to your account, and so moving forward you'll receive these notifications by email. and of course you'll be able to be instantly notified of when certain changes are made to your account or what have you.

utterance: OK, thank you so much.

utterance: Well Ms. Richards, let me just ask, is there any other questions that you may have that I can help you with?

utterance: No, not today.

utterance: Alright, well if that is all Ms. Richards we certainly do appreciate you giving us a call and I'm glad we was able to address your concern and also get your email input into the system so that we can give you faster communications with us.

utterance: You OK, thank you so much I appreciate all your help.

utterance: Terrific Ms. Richards, you have a terrific day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


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

utterance: Yeah so I need to set up automatic payments for my credit card.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So you want to set up automatic payments for your credit card. Is that right?

utterance: Yeah. That's correct.

utterance: OK.

utterance: can you kind of explain to me how that works though?

utterance: Yeah I can. So we basically set up your account so that your payment will draft every month on the due date. and basically what that means is whatever your card due date is that payment will draft from account of your choosing. and then it's it's just kind of an easy way for you to not have to worry about not ever having to worry about manually making that payment for one. But then it's also a good way to avoid any kind of late fee or any other fees accruing if you should forget that payment or to pay it late because of you know just a busy schedule or you know things slipping your mind. It happens.

utterance: OK. I'd like to enroll in that if I could.

utterance: Yeah. I can do that for you. I just need to get some information from you. Be just a second here. So Jill, what is your credit card or your account number?

utterance: it's my credit card number is three four six zero two nine nine eight.

utterance: All right Jill. And can I get the name of your business?

utterance: Yeah so it's Johnson Control's.

utterance: OK Jill. And also can I get your date of birth and social security number?

utterance: Yeah my date of birth is March second nineteen eighty and then my social is three eight two three nine two zero three nine.

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

utterance: Yeah so that's six four seven eight.

utterance: All right. And Jill are you wanting this payment to draft from your Intellibank preferred business checking account every month?

utterance: If we could do that that would be great. This doesn't cost anything does it?

utterance: No. So this so having these automatic payments set up are is free for our Intellibank customer who have loans or credit cards with us. So there is no charge to you. Jill I do have the routing number for Intellibank and it looks like your payment is due on the eighteenth of every month. So I'm going to get that scheduled to withdraw from your account on the eighteenth. looks like your first payment that's coming due that's going to be for four hundred and two dollars and twelve cents. So just know on the eighteenth that that's the amount that will process from your account. and I do want to let you know that every month there while you're set up on this automatic payment that every month twenty-four to forty-eight hours before that payment will draft you are going to receive an email from Intellibank and that's just basically notifying you that that payment will draft within a certain time frame. then after your payment is made you will also receive an email from Intellibank and that'll act as your receipt for the payment. so you will receive two emails during the course of the month for this around this payment time. Could I also confirm your email address for you please?

utterance: Yeah so that's J Baker J as in Jill Baker at Johnson Controls dot com.

utterance: All right. So I'm getting that automatic payment information sent up set up for your now. Give me just a few moments OK?

utterance: OK. It's no problem.

utterance: All right. Jill I I do want to let you know while while we're waiting here too that if you have access to online banking you can actually log in to your online banking and at the top of the page there are different tabs for all of the accounts that you have with Intellibank. And there should be one that pertains to your credit card. if you click on the credit card tab then you should be able to see all of your payment history. your loan balance those kind of things. At the bottom of that page there is a tab for your payments and you can actually make changes to your automatic payments through there. whether you want to update a bank account information. whether you wanna to take yourself off of automatic payment make a manual payment. However you want to do it there's a lot of different options on there that you can also do this through your through your online banking account. you can all us back and we can do it for you over the phone but I did want to tell you that that was an option for you as well. To make those via the online banking system. did you did you have access to online banking?

utterance: I do. And I've actually looked at my loan on there before. I'm sorry on my credit card on there before to see the balance but I've never I didn't realize I could set up automatic payments there. So that's useful.

utterance: Yeah you can. and you can make changes to that account too. So if at some point you the account that your drafting this automatic payment from you want to make changes to that you can do that through that automatic payment or in the automatic payment section for that loan I'm sorry for that credit card. So Jill it looks like I've got everything set up. I do want to let you know that you're going to receive a confirmation email from Intellibank and essentially what this confirmation email is going to be for is it's requesting your acknowledgment that you have agreed to have Intellibank process these payments every month for you using this or using your business bank account for Intellibank. So it's just essentially giving us permission to go ahead and process that for you at your request for the automatic payments. So you will get that. I'm gonna go ahead and send that now. So as soon as you get that if you can do the acknowledgment on that and send that back to us then that will actually be what sets your sets the automatic payments up for you. So that will need to be done before these your first payment processes on the eighteenth here. So Jill, I think that I have everything set up. Was there anything else that I could do for you today?

utterance: I do think so. I think that should be everything but I appreciate it.

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


utterance: Good afternoon and thank you for calling Intellibank. My name is Tim. What can I do for you today?

utterance: Hi Tim. love the name. That's a very strong name. so, I was hoping that you could help me apply for a for a loan.

utterance: Yes. I can definitely help you with that. just so you know for future reference you can also apply online or on the website.

utterance: Oh, fantastic. I do have problems with with with technology, though. See, I have an a really old laptop. It's super slow. I find it really hard to like kinda manage important stuff on it. It's OK here and there for

utterance: Well.

utterance: For doing an email. But, like for streaming or anything like that, it's a big issue.

utterance: Got it. Got it. Well, that I'd definitely something I can help you with today could I have your name?

utterance: Absolutely. My name is Phil and the last name is Morris. M O R R I S.

utterance: M O R R I S. And the first name, is that F I L L?

utterance: P H I L.

utterance: Oh, P H I L, of course. And can I have your social and your PIN number?

utterance: Social is two one two three four nine seven three three, and my PIN number is two zero eight eight.

utterance: Got it. Two zero eight eight. Got your account right here, Phil. Let me see. Everything's looking good. Just so you know, you have a payment due in three days, but I'm sure you will be paying it on time just like you have for the last eighteen months. We do appreciate that, Phil. OK. See here. Everything looks good, so, yeah, how about we get started on that loan application?

utterance: Yeah, that'd be great, thank you.

utterance: OK. This is gonna be your name, Phil Morris. And can I have an a, a good address for this application?

utterance: Yeah, my my personal address?

utterance: Yes.

utterance: Yeah. twenty-one Ocean Drive Pensacola, Florida, seven zero eight nine one.

utterance: Got it. Seven zero eight nine one. Got it. And what's a good email?

utterance: Morris motors at Gmail dot com.

utterance: Morrismotors at Gmail dot com. Morrismotors all one word, correct?

utterance: Yes.

utterance: Got it. And what's your business name?

utterance: Exactly that, Morris Motors.

utterance: Perfect. And the date that was established?

utterance: That would be September thirtieth, twenty ten.

utterance: Great. And what's your annual gross sales?

utterance: My annual gross sales is hundred thousand.

utterance: One hundred thousand. You have your tax ID number with you?

utterance: Yes, my tax ID number is five three seven seven two two.

utterance: Fantastic. Thank you so much for being so ready. So many people are do not have half the information they need to apply for the loans. Just want to thank you for having all that ready. All right and what is your business address?

utterance: The business address for Morris Motors is one two one Orange Grove seven zero zero one seven Pensacola, Florida.

utterance: Got it, and would that also be a great mailing address?

utterance: Yeah, yeah. Why don't you go ahead and put that as the mailing address.

utterance: Perfect. And what type of loan are we looking for today?

utterance: In terms of the amount.

utterance: Yeah, yeah. I was gonna say a cash loan would be would be nice but Let's see. For the amount it would be twenty thousand dollars that I'm requesting.

utterance: All right. Twenty thousand.

utterance: Just a minute. And the purpose of this loan?

utterance: It is to update my equipment. My Some of my equipment is getting a little dated. It just needs a little bit of a a a revamp.

utterance: Understood.

utterance: All right. And what type of term are we looking for? Twelve months? Twenty-four? we go all the way up to seventy-two.

utterance: I think. Let's so if I go for seventy-two is that a higher interest rate?

utterance: The interest rate won't be higher, but because you'll be making more payments over time you'll you'll end up paying more in interest over time but you also have the option of paying more than your minimum payment amount each month, which will lower how much you'll end up paying in interest.

utterance: OK. That sounds fine. Let's go with seventy-two.

utterance: Perfect. Seventy-two. All right. That's everything. Let me put that through. Bear with me a moment while it's calculating.

utterance: Well, congratulations, Mr. Morris. You have been approved. You you should get a confirmation email in just a second, which will also have your confirmation number, the terms of your loan and all the information you just provided and everything else. I mean, I'd encourage you to read the fine details because sometimes there's things in there people don't realize are there. All right. Anything else that I can help you with today?

utterance: No, that's all, thank you.

utterance: Well, thank you so much, Mr. Morris, and enjoy the rest of your day.

utterance: Thank you.


utterance: Good evening. My name is Helena, and I appreciate you calling Intellibank tonight. How may I assist your call?

utterance: Hi, how's it going? Well, these couple things. First, I would like to update my email address. and secondly I'm going to apply for a real estate loan.

utterance: OK.

utterance: OK, great. I can do that all over the phone for you right now. may I ask who I have the pleasure of speaking to?

utterance: Sure thing. My first name is Hercuel, H E R C U E L.

utterance: OK.

utterance: Then the. My last name is Divannie.

utterance: Can you spell that for me?

utterance: D I V A N N I E. Divannie.

utterance: Divannie. OK, and your first name is pronounced Hercuel?

utterance: Hercuel.

utterance: OK, great. And can you please provide the four digit PIN number?

utterance: Yeah, I can. It is four three seven four.

utterance: OK, great. All right and just please verify your date of birth.

utterance: Yeah, it's September eighteenth nineteen ninety-five.

utterance: OK, great. All right, I'm pulling up all your information, so I can see your accounts. Thank you for your loyal patronage. I see you've been a member for quite a number of years. OK. and what is the new email address?

utterance: Quite a while.

utterance: Yeah.

utterance: Oh, the new email address is Hercuel, H E R C U E L Sorry.

utterance: That's OK.

utterance: D I. Well, my last name then you put a nineteen ninety-five. Then it's five fives at the end of that.

utterance: OK.

utterance: I'm sorry. Hercuel, Hercuel Divannie

utterance: Hercuel Divannie.

utterance: Nineteen ninety-five five five at AOL dot com.

utterance: OK, so nineteen nine five five?

utterance: nineteen ninety-five five five.

utterance: Got it.

utterance: Yes.

utterance: All right, very good. And at AOL dot com.

utterance: dot com. And my drivers license number. .

utterance: OK.

utterance: Oh that's all right,

utterance: I don't need that, but thank you.

utterance: OK.

utterance: OK.

utterance: And the old email address I see is smile a lot at Gmail dot com. We're removing that?

utterance: We're getting rid of that.

utterance: OK.

utterance: I want that as a secondary. I'm done with it.

utterance: Got it. One moment while I while I take this out and put in the new one. I'm gonna put you on hold for just a brief moment.

utterance: OK, all set. And I just sent you an email confirmation that the change was made.

utterance: Great, and now that real estate loan.

utterance: You'd like to apply for a real estate loan?

utterance: I think I'd like to

utterance: Like to apply for a real estate loan.

utterance: OK.

utterance: Great. Let me just pull up that information for you. or I should say the the form. OK, great. All right. So, let's start with your name. Same name for the application?

utterance: Yes, it is.

utterance: OK, Hercuel, I'm just putting that in. And what is the address for the purchase? For the property you'd like to purchase?

utterance: Oh

utterance: I'm thinking of eight one two Hepburn Lane.

utterance: And the city and state?

utterance: That's going to be Cleveland, Ohio.

utterance: ZIP?

utterance: Two one to two to three.

utterance: OK. And I do see your home address here in our system, so I'm just gonna copy and paste that in there for us. All right, and what is your social security number?

utterance: Right.

utterance: Eight one two three five nine four eight one.

utterance: OK, and your drivers license number?

utterance: Y two zero zero one four eight one.

utterance: OK, great. And since we just changed your email address, I'm gonna put that in there. And the name of your business?

utterance: Rocco's Chicken Cafe.

utterance: OK. And are you the sole business owner?

utterance: Yes, I am.

utterance: And what year did you establish your business?

utterance: Established

utterance: That in two thousand and eight.

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

utterance: Last year it grossed about nine hundred thousand dollars.

utterance: OK. And the purpose of this loan?

utterance: I could use a back patio.

utterance: OK. expanding your business?

utterance: Yeah.

utterance: OK, great. And the cost of the property that you're purchasing?

utterance: Well, I'd It's one million.

utterance: OK. And what percentage are, or will you be putting down in this, for this loan?

utterance: I'd like to put down twenty percent.

utterance: OK, great. All right. Well, that finalizes everything I need on my end. your application has been submitted. I sent you a, a copy copy of this to your email, so there's a link to look at the application. And then there's also another link to upload the photo documentation that we will need. Once we receive that, you should hear back about the loan within ten business days.

utterance: Thank you

utterance: So much, I appreciate it.

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

utterance: I think

utterance: I'm OK.

utterance: All right, you have a great night. Thank you for calling. Bye.

utterance: Thank you.


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

utterance: Hey, Leanne. How are you doing today?

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

utterance: Yes, ma'am, I actually am. I'm actually calling to see I I could check the balance in our preferred checking account. I'm calling with Star Interior Design.

utterance: I'd be more than happy to assist you with that today, ma'am. Let me get some information from you so I can pull that account up. May I have your name and your birth date please?

utterance: yes, ma'am. My name is Lois. L O I S. Last name is Ellis. E L L I S. And my birth date is December the twenty-second nineteen sixty-five.

utterance: Thank you so much Ms. Ellis. I have your last name spelled E L L I S. And your date of birth is December the twenty-second nineteen sixty-five. And may I also have your phone number please?

utterance: yeah, actually we changed our phone number a little while back. I'm not sure if you have our old one still which was area code nine seven one two four four three zero one three. Or our new one which is area code five four one two nine two five three two six.

utterance: Thank you for that Ms. Ellis. I am showing that we do have your new phone number on file which was the five four one two nine two five three two six. That is the correct one. Right?

utterance: Yes, Ma'am, yes, ma'am. That is.

utterance: Thank you so much Ms. Ellis. May I have your PIN number please?

utterance: Yeah, sure. It's one two one three one five six seven.

utterance: Thank you. I have one two one three one five six seven. And may I have the account number for your checking account that you would like the balance for?

utterance: Yeah, sure. That is two eight four three one six seven six three nine.

utterance: OK. I have two eight four three one six seven six three nine.

utterance: Yes, Ma'am. That's correct. Oh and could I guess, could I ahead and check the balance in our smart savings account as well?

utterance: Why, I'd be more than happy to assist your with that, Ms. Ellis. Just one moment. Let me get the balance in your preferred checking. I'm showing that balance is eighty thousand one hundred and four dollars and ninety-five cents.

utterance: OK, good deal. Eighty-thousand one hundred and four dollars and ninety-five cents?

utterance: Yes, Ma'am, that is correct.

utterance: OK, great. Thank you.

utterance: And the account number for our smart savings is zero nine six one nine one two eight seven one.

utterance: Thank you. I have zero nine six one nine one two eight seven one. Was that correct?

utterance: Yes, ma'am. It sure was.

utterance: Just one moment. OK. I'm showing that balance is two hundred and twelve thousand five hundred twenty-one dollars and eighty-six cents.

utterance: OK. Two hundred twelve thousand five twenty-one eighty-six?

utterance: Yes, ma'am. That is correct.

utterance: OK, great. Thank you. And I'm so sorry to be aggravating. could I actually go ahead and double check the balance in our wealth management account? And I was wondering is there another of I know that you guys have the online banking but I don't have that URL to be able to check it. Could you give that to me?

utterance: Yes, ma'am, I'd be more than happy to give that to you as well as check the balance in your wealth management. real quick first the URL for the online banking. That's WWW dot Intellibank dot com.

utterance: Oh, OK. I'm so sorry, Leanne. You think I would have been able to figure that out all by myself but I do appreciate you answering that question for me.

utterance: That's not a problem whatsoever, Ms. Ellis. That is what we're here for. Now may I have the account number for your wealth management account?

utterance: Yeah, sure. That is zero nine three six two eight one five four seven.

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

utterance: Yes, ma'am, that's correct.

utterance: Thank you so much, Ms. Ellis. Just one moment. OK. I'm showing that balance is eight hundred and thirty-nine thousand. four hundred sixteen dollars and twenty-two cents.

utterance: OK, great. I got that. Thank you so much.

utterance: Well, yes, ma'am, Ms. Ellis, is there anything else I could assist you with today?

utterance: No, ma'am. You've been extremely helpful, Leanne. Thank you so much. Have a great day.

utterance: And thank you, Ms. Ellis. You too and thank you for calling Intellibank.


utterance: Hi, this is Danny Brooks at Intellibank. What can I do for you today?

utterance: Hi, I'm calling because I am interested to know what my net income is for the month of September of this year actually.

utterance: OK, yes, of course, we can do that for you. so first, I'm just going to verify your information.

utterance: OK.

utterance: Can I get your first name please?

utterance: Yes, it's James Garcia.

utterance: James Garcia, OK. And before I can get you into your account we're just going to do some quick security questions just to verify.

utterance: Sure.

utterance: OK. So the first one is, can I have your credit card number please?

utterance: Yes, hold on, one second. I have it in the other room. Let me just go grab it.

utterance: Of course.

utterance: I'm actually, its not, its its in my car, just hold on one second, I'm sorry about that. I hope you are having a good morning. yeah, hold on. Wait, I I forgot my keys inside! I've got to go get my keys. All right, so actually my roommate took my keys, I hold on, let me just, I could I could look it up on my phone, I have a a screenshot, thank you for your patience. .

utterance: That's OK, take your time.

utterance: Oh, thank you so much.

utterance: Of course, and if you can't find that there are other ways we can verify if you want to go ahead that route.

utterance: Oh, yeah?

utterance: OK, hold on, let me just check. Let Yeah, so I can't find the screenshot of it, so could we use the other methods?

utterance: Yes, of course.

utterance: so what's your birthdate?

utterance: its ten fifteen nineteen ninety-three.

utterance: OK. Ten fifteen nineteen ninety-three?

utterance: Yes.

utterance: And can I get the last four digits of your social security number?

utterance: Yes, it's one one three six.

utterance: One one three six.

utterance: Yes.

utterance: OK, yes, your your your account has pulled up in the system. I am going to ask you a few more security questions.

utterance: Sure.

utterance: OK. Let me pull this up, just one moment. OK. What was your mothers' maiden name?

utterance: Oh her maiden name, her maiden name was Munoz, M U N O Z.

utterance: OK, great. And how many siblings do you have?

utterance: I have three.

utterance: Three. OK, great. I'm pulling up your account right now. And what period did you say you wanted to know your net income?

utterance: Yes, I wanted to know my net income income this year, for twenty, for September. And I also want to know what my net income was last year for the month of September too. I just want to compare.

utterance: Compare them of course. Let me pull that up right now. OK, so for this year September, its looking like your net income was five thousand.

utterance: Yeah.

utterance: OK.

utterance: And then, so let me pull up September of last year. Just one moment please. OK, and that was three thousand.

utterance: Sure.

utterance: Yeah, I'm a little better this year. You know? It's. Yeah, thank you. I mean it's been. It's been kinda like a slow year. It's. I mean better than last year, but you know the last year and a half, two years it's been really tough for small businesses. Yeah and like we haven't had as much traffic, and and and we're trying do a lot more digital marketing and and and had to let go a few employees and and its its been it's been a whole thing. But yeah

utterance: Yeah, congratulations.

utterance: Yeah, of course, with everything going on.

utterance: I'm sorry to hear that.

utterance: Yeah, no, no its OK, I think I think its I think it'll be fine. We're we're looking to essentially expand our online presence and so with that I want to I'd like to run a more progressive ad campaign with the business and so one of the reasons for my call is because I was looking to secure a loan.

utterance: OK.

utterance: Yeah, and so and it it would be for the digital marketing aspect of of of my my company. And so yeah, I wanted to see what the process would be like to apply for that and and if we could do that.

utterance: Of course, well we are here to serve all of your business marketing needs and anything that you might want going forward as far as loans. So, you have a few options. there's different tiered loans which I can email you that information in a packet form which is easy to digest.

utterance: Oh, sure. That'd be.

utterance: That would be great.

utterance: OK. Can I get your email?

utterance: Yes, its James dot Garcia at Gmail dot com.

utterance: OK. James dot Garcia at Gmail dot com.

utterance: Yes.

utterance: OK, so what I'm going to go ahead and do is pull up this packet for you and I'm going to send it to you. You should expect it to hit your inbox as soon as I send it. and its just going to go through and explain all your different options, what you can do and what the turn around time is and what you can expect with that.

utterance: OK.

utterance: OK. so, I'd really like to spend a lot of time like reading like the terms and conditions on loans before I really get into it. So, do you mind if I just delve into it, read on my own and can I call you back? OK, great. So, I'll I'll do that, and I'll call back some time today. But, if not, will I be able to apply online?

utterance: Of course.

utterance: Yes, yes, of course.

utterance: Yes, of course.

utterance: OK. Perfect. That's super helpful. That answers really all the questions that I had.

utterance: OK, great. Well, is there anything else?

utterance: No, that'll do it.

utterance: OK, perfect, have a good day!

utterance: You too.

utterance: Thank you.


utterance: Thanks for calling Intellibank, this is Jerry. How can I help?

utterance: How you doing Jerry? I'd like up to open up a a savings account. I already have a checking account with y'all, can you help me with that?

utterance: Certainly I'll be glad to assist you with that and if I could ask first what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman what's the name of the business that has an account with us?

utterance: Ray's Construction Company.

utterance: All right thank you for that and you mentioned that you already have a checking account and you wish to open up a business savings account with us if I could I'm gonna verify your account and of course we take your account security very seriously and this is for you and your businesses protection. Mr. Freeman what is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: And Mr. Freeman what is your checking account number?

utterance: my checking account number is seven nine eight six eight nine one two.

utterance: All right.

utterance: And Mr. Freeman what is your phone number?

utterance: my phone number mm OK could you hold just for a second please? OK my phone number is seven seven zero two two zero five eight five nine.

utterance: OK and could you repeat that one more time?

utterance: Seven seven zero two two zero five eight five nine.

utterance: All right, thank you for that and what is your PIN number?

utterance: oh my PIN number is one seven nine five.

utterance: OK and the last question here what is the business address?

utterance: OK I have two, let me see which one do you have. the first is three six eight eight Layman's Court, Savannah, Georgia, three zero zero eight zero. and the other one is one forty-one Oakwood Avenue Avondale Estate, Georgia, three zero zero two.

utterance: OK yes sir, it's the one forty-one a- address that we have on file Avondale Estates.

utterance: OK,

utterance: That's good.

utterance: All right. Yes sir and w- what I'll do is go ahead and just ask you a few more questions Mr. Freeman in order to go ahead and open up your business smart savings account. with that being the case the business address you just gave was one forty-one.

utterance: Oakwood Avenue.

utterance: Oakwood Avenue, Avondale Estates, Georgia.

utterance: Yeah that's correct.

utterance: OK and would that be the same business address for your savings account?

utterance: I use the yes.

utterance: OK and what is your mailing address?

utterance: Oh my mailing address would be that that same one, that that one forty-one Oakwood Avenue, Avondale Estates, Georgia, three zero zero two.

utterance: All right and what's your personal address?

utterance: My personal address would be that three six eight eight Layman's Court, Savannah, Georgia three zero zero eight zero.

utterance: OK and when did you start your business?

utterance: Oh we started this business in in May nineteen eighty-four.

utterance: All right and are you the sole owner?

utterance: Yes sir.

utterance: And what's your social security number?

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

utterance: And what's your driver's license number?

utterance: Driver's license number is zero nine two five nine eight two two.

utterance: And what state is that license?

utterance: The state of Georgia.

utterance: And what's your tax ID number?

utterance: That tax ID number's nine eight three four five six seven eight nine.

utterance: And what is your business email address?

utterance: Business email address is B Freeman at Ray's Construction dot com.

utterance: And what is the gross annual sales for your business?

utterance: I'd say about about fifteen million a year.

utterance: All right and Mr. Freeman what's the amount that you wanted to deposit in your savings?

utterance: two thousand dollars.

utterance: OK and let me get this set up.

utterance: OK. I appreciate that, I appreciate that. It's little over over cast day, look like it's gonna rain outside today the day.

utterance: Yeah I I'm sure that the you know it's good to have some rain I guess occasionally from time to time, although there's nothing like the sunshine.

utterance: Oh you know that sunshine you know that's very good but when it rains for some reason people drive faster, I don't understand why but they do.

utterance: Yeah that's a good point, that's a good point. Plus I'm sure in your line of work in construction you might not necessarily like it when it rains too much.

utterance: When it rain too much you know we we go go s- s- s- slow up shut down but till till we get ready till we can get back out there.

utterance: Exactly, exactly and Mr. Freeman let me ask, what is the routing number for the account that will fund the ten thousand dollar deposit.

utterance: That routing number is six nine five eight seven nine eight nine seven.

utterance: And what's the account number that will fund your deposit for your smart savings account?

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

utterance: OK thank you for that and let me just be certain that I have everything here for you, one other question what would be the PIN number that you wanna create for this savings account?

utterance: would create one seven zero four.

utterance: All right, thank you for that Mr. Freeman. And I believe we have everything we need on our end Mr. Freeman and what I've done is gone ahead and set up your new business smart savings account with that initial ten thousand dollar deposit that'll be funded from the account information that you provided earlier and you you of course will have access to those funds once the transfer of the ten thousand dollars is deposited in to the account and you can of course access that online and we'll be mailing you out a debit card soon.

utterance: Oh thank you ap- I appreciated that, that that sounds good.

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

utterance: Oh no that'd be all, that'd be all.

utterance: All right well thank you Mr. Freeman for giving us a call and we appreciate the business.

utterance: Oh you too bye bye.

utterance: Bye bye.


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

utterance: Hi Margaret. I am applying for a loan with a different bank. And they're needing some type of documentation of my credit history. Is there anything like that that you guys can help me with?

utterance: We'd be happy to help you with that. we just need to request a credit report. Is that what you're asking for?

utterance: yeah that sounds probably like the right thing.

utterance: All right.

utterance: Well let me get a little bit of information from you OK?

utterance: OK and is there a fee for getting the credit report?

utterance: you get a free copy every three months. If you request it more than that then you do are charged a fee.

utterance: OK.

utterance: OK?

utterance: And can I get your name and date of birth please?

utterance: Yes it's Jerry Hoffman H O F F M A N.

utterance: All right.

utterance: And oh go ahead.

utterance: Oh and my date of birth is July twenty-first nineteen seventy-eight.

utterance: All right and you have a PIN number for me please?

utterance: Nine three eight zero.

utterance: OK and would you prefer this to be paper or paperless?

utterance: can I get it both?

utterance: You sure can. so where will I be sending this to?

utterance: give me just a second. Let me give you their address. so I can have it sent directly to them.

utterance: OK it's one fifty-five Glenridge Street.

utterance: One fifty-five Glenridge Street?

utterance: Yes ma'am. And that is in Buffalo Grove Illinois.

utterance: Buffalo Grove Illinois?

utterance: And ZIP code six zero zero eight nine.

utterance: Six zero zero eight nine.

utterance: Yes.

utterance: All right. And is there any other address I need to mail a hard copy to?

utterance: no I I'm fine with just an email copy for myself.

utterance: OK and what email would you like it sent to?

utterance: GC Studios at Gmail dot com.

utterance: All right and is there any other additional email addresses you'd like it sent to?

utterance: yeah hang on just a second. Let me let me find what her email address was.

utterance: OK.

utterance: OK I found it.

utterance: All right whenever you're ready.

utterance: All right. It is Crystal dot West at Gmail dot com.

utterance: Is that Crystal with a C or a K ?

utterance: With a C . C R Y S T A L.

utterance: Thank you. And OK I have both of those down. is there anything else I can help you with?

utterance: yes do you offer any kind of investment accounts?

utterance: OK.

utterance: Yes we do. We have several that you talk to. I can set you up with an investment specialist if you'd like but we do have an investment Intellibank wealth management. And I can set you up with someone if you'd like to talk to them.

utterance: OK. yeah let me I guess go ahead and schedule an appointment with What you say they're Investment Specialists?

utterance: Yes.

utterance: OK yeah can we get an appointment set up for next Friday?

utterance: We sure can. Let me check my available dates and times. Do you have a prefer a in-line or in-person or on or on-site?

utterance: Or online? I apologize.

utterance: yeah if we can do it online that'd be even better.

utterance: OK. And morning or afternoon appointment?

utterance: Preferably afternoon.

utterance: All right let me look and see what I have.

utterance: Looks like we have an available appointment What day did you prefer?

utterance: Next Friday.

utterance: Next Friday.

utterance: OK It looks like we may have an appointment. we we've got a pending cancellation. I can give you our first appointment at one fifteen. Next Friday. If that does not. But showing just pending on my end. So if you're OK I'll put you down as first available on that. And then otherwise it would be a three thirty appointment.

utterance: OK well actually three thirty would work better for me anyway so can I just go ahead and schedule that one?

utterance: Oh yeah let's just do that. And would you prefer an email or telephone notification?

utterance: phone would be fine.

utterance: OK. And so they're gonna notify you about thirty minutes ahead of time and then again about ten minutes till. And then y'all can get together at that time OK?

utterance: OK, that sounds great.

utterance: All right

utterance: And lemme just double check that phone number we're gonna notify you at.

utterance: Yes it's seven zero eight two one two seven three four two.

utterance: Seven zero eight two one two seven three four two.

utterance: Yes ma'am.

utterance: All right thank you so much. Mr. Hoffman is there anything else that I can help you with today?

utterance: I don't believe so.

utterance: OK well you have an amazing afternoon. And we'll see you on Frid- next Friday.

utterance: All right well thank you very much. Goodbye.

utterance: Thank you.

utterance: Have a great day.


utterance: Thank you for calling Intellibank. This is Johnathan. How may I be of service today?

utterance: Hi Johnathan Just looking to make a wire transfer to a different account.

utterance: OK. That is no problem. So that will be an out of bank wire transfer to a different bank. Is that going to be domestic or international?

utterance: this one's international.

utterance: All right. There will be a thirty-five dollar fee for an international wire transfer. Is that all right?

utterance: yeah. a little steep but thirty-five's fine.

utterance: all right. Then let's go ahead and proceed. We'll be able to take care of this without a problem. First thing I'm gonna need today is your full name as it appears on your Intellibank account.

utterance: OK. Perfect. Jerry Stevenson.

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

utterance: October first nineteen ninety-one.

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

utterance: Nine seven two five.

utterance: great. And is this your Intellibank smart savings account that we'll be taking this money from today?

utterance: Yes.

utterance: Great. Then I'm gonna need that account number.

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

utterance: All right. I am showing a balance in this account of twelve thousand four hundred eighty-one dollars and sixty-two cents. How much were you looking to transfer today?

utterance: I was gonna transfer three thousand dollars.

utterance: OK. That will not be a problem. We do have a ten thousand dollar limit and that is well below it. I'm just gonna need to get the information of who you're gonna be sending this to.

utterance: yes. It's to a Francois Stock.

utterance: All right. And do you have their bank name?

utterance: yes. Let me see. Yes Sir. Banque Suisse.

utterance: OK. And I'm gonna need their bank account info as well.

utterance: OK. Their account is four three nine seven nine nine.

utterance: And what is their nine-digit routing number?

utterance: The routing is five eight four four. five nine one two nine. And I'm I'm sorry I gave you the the wrong account number.

utterance: Oh! Not an issue. Was OK. This is the. You gave me the wrong account number for who we're sending the money to?

utterance: Yes yes. They have two accounts and it looks like I just happened to I gave you the wrong one.

utterance: OK. That is not an issue at all.

utterance: I'm just gonna need the correct account number and I will change it.

utterance: OK. here we go. It is a four two one nine six six.

utterance: All right. And did you want the thirty-five dollar fee also taken from your Intellibank smart savings account?

utterance: Yes. That should be fine.

utterance: OK. So including that thirty-five dollar fee you'll be having three thousand thirty-five dollars coming from your Intellibank smart savings account. With three thousand of that being transferred. Should I go ahead and initiate that transfer?

utterance: yeah yeah. It sounds good.

utterance: All right. I'm just gonna need a couple of security questions to finish this up. first off I need the first Sorry sorry about that I almost asked you for the wrong digits. I'm gonna need the last four digits of your social security number.

utterance: All right. Yeah. No problem. nine one two six.

utterance: All right and got a couple security questions here. what is your mother's maiden name?

utterance: Adams.

utterance: And what was your first pet's name?

utterance: Zoe.

utterance: And what was the street that you grew up on?

utterance: Mountain Drive.

utterance: All right. That all checks out. Let me initiate this transfer. Please hold on while the system is processing. This should just take a moment.

utterance: All right excellent. You able to travel much?

utterance: No. Unfortunately I'm pretty much stuck here in the call center.

utterance: Oof.

utterance: How about yourself?

utterance: a bit a bit. This is sort of a down payment on like a tour guide. That's what Mr. Stock does. So we're we're hoping to get out there and just take a tour through Sweden and that that general area. He's gonna be our guide. Should be should be fun.

utterance: Hopefully yeah hopefully nothing terrible happens but we've been looking forward to it for a for a long while so.

utterance: Well that sounds wonderful. I'm I'm I'm very happy for you guys. I I hope you have a safe trip. And I'm happy to let you know that that transfer has gone through. And you are all set. Is there anything else I can help you with today?

utterance: Nope. You've been great.

utterance: Well, thank you so much for calling Intellibank. Have a wonderful rest of your day and have a nice trip.

utterance: Love you.

utterance: Bye.


utterance: Hello. Thank you for calling Intellibank. My name is Matilda and I will be assisting you today. How may I help you?

utterance: Hi Matilda. My name's Justin and I just wanted to call and check my account balance right quick.

utterance: Sure. Justin, let me just get a little bit of basic information so I can access your account. Justin, your last name?

utterance: Wells. W E L L S.

utterance: OK.

utterance: And I live

utterance: On Springfield Drive still, and My PIN number is six one zero nine.

utterance: Oh. Thank you for providing that. If would just bear with me. I have to input everything individually. So one moment, please.

utterance: OK.

utterance: All right, Justin may I have your date of birth, please?

utterance: Yes. It's one twelve nineteen ninety.

utterance: One twelve nineteen ninety?

utterance: Yeah.

utterance: All right. I'm sorry. One moment. It's not going through.

utterance: What? What do you mean it's not going through?

utterance: Oh I I

utterance: Apologize Justin, it's just a a little malfunction on our end.

utterance: OK.

utterance: One more time for your date of birth.

utterance: One twelve nineteen ninety.

utterance: OK. There we go. Now it went through.

utterance: And I'd like to check my Intel Business Professional checking account.

utterance: OK. your Intel are we talking about the Intellibank Smart savings? Are we talking savings or checking?

utterance: The professional checking account.

utterance: Got it. OK. I I mean you might be refering to your business preferred checking.

utterance: Yes, yes. .

utterance: OK.

utterance: No problem One moment please.

utterance: Mhm.

utterance: All right and may I have your account number?

utterance: yes. One second please.

utterance: Sure.

utterance: I can never remember what that number is no matter what.

utterance: You know what? I can't either. I always have to look mine up too. And I've worked here for seventeen years.

utterance: Wow.

utterance: So you're not alone.

utterance: Can't say I'm that bad. my memory is terrible. Remind me what I'm looking for again.

utterance: Oh. You are looking for your account number for your business preferred checking account.

utterance: Yes. Yes. I .

utterance: Oh. OK. I found it. It's two one seven five six four.

utterance: two one seven five six four. Great. Thanks for providing that. I I could have looked that up without your account information but it just takes a heck of a lot longer without it.

utterance: No problemo.

utterance: All and two more questions and then I'm in the system. Your pin number?

utterance: Pin number is six one zero nine.

utterance: Six one zero nine. OK. Very good. And lastly we do value your security here at Inelbank. What is the name of your mother's maiden name?

utterance: What's the name of my mother's maiden name?

utterance: Yes. Your mother's maiden name. I'm I'm sorry. It's it it has been a long day. I apologize.

utterance: I'm

utterance: Just giving you a hard time.

utterance: Her maiden name is Smith.

utterance: Smith. OK.

utterance: Yeah, we used to her nickname was Smitty growing up.

utterance: Smitty. I like that.

utterance: she didn't.

utterance: Oh. OK. with your mother's maiden name that does access me into your account and your initial question, Justin, was you just wanted to check your balance?

utterance: That's right.

utterance: All right. Let me look that up here. You have a balance of four hundred and twenty-nine dollars and sixty-seven cents.

utterance: Four hundred and twenty-nine dollars and sixty-seven cents in a business banking account.

utterance: Yes.

utterance: Yes, Sir. And I I actually do see a large withdrawal yesterday in the amount of fourteen hundred dollars. And then I see another one for the amount of nine thousand four hundred and twenty-eight dollars.

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

utterance: My name is Matilda.

utterance: Matilda, I'm gonna I'm gonna need to change my pin number ASAP.

utterance: Not a problem. And we can also transfer you to our fraud specialist. Absolutely.

utterance: Wow.

utterance: All right. So what is the what is the pin number you would like to change. I'm I'm erasing your old password. What is the new pass I'm sorry, the new pin number you'd like to change it to?

utterance: let's go with nine nine three five.

utterance: OK. Nine nine three five? Correct?

utterance: Yes.

utterance: All right. One moment while I get this configured.

utterance: OK. And I also have one question.

utterance: Sure. Just bear with me one moment.

utterance: Yeah. That's that was my question was could I just bear with you for a moment. No, I'm just joking.

utterance: OK, Justin. That pin number has been changed and has been confirmed. I'm sorry, I just wanted to make sure that I I got that taken care for you. Did you have another question for me before I transfer you?

utterance: Yes, I did. are you able to see where those withdrawals were made?

utterance: Like what city and state?

utterance: Unfortunately I cannot see that. I can only see the amounts but our fraud specialist will be able to assist you with that.

utterance: Alrighty then.

utterance: All right. One moment and I'm gonna transfer you. Is there anything else I can assist you with?

utterance: That's it.

utterance: All right. Well, Justin, I'm sorry for the problems but we will get it resolved for you. You have a wonderful day.

utterance: Thanks. You too.


utterance: Hello and thank you for calling Intellibank, my name is Evet how may I assist you today?

utterance: Hi there I need to apply for a term loan please.

utterance: All right you'd like to apply for one of our term loans I'd be I'd be glad to help you. Who do I have the pleasure of speaking to today?

utterance: That's right.

utterance: Rachel Cohen.

utterance: Hi Rachel how you doing today?

utterance: I'm good how are you doing?

utterance: Great thank you.

utterance: What's the weather there like today?

utterance: Oh it's beautiful. Yeah, I'm in Rhode Island and it's just it's just clear clear as a bell out, how about for you?

utterance: Oh, wow.

utterance: You're in Rhode Island, I'm in Rhode Island.

utterance: Oh that's great.

utterance: That's so weird.

utterance: It's not very often I get someone that calls from Rhode Island.

utterance: I know mm.

utterance: All right so I'm just gonna need to have some information from you, let me just let you know so you can be ready.

utterance: OK.

utterance: I will need your address, driver's license email address, tax ID number, do you have all that documentation ready?

utterance: I do.

utterance: Great all right so let me go ahead and start for you hi Rachel would you spell your name for me?

utterance: Rachel R A C H E L.

utterance: And. Last name?

utterance: La~

utterance: Cohen. C O H E N.

utterance: Thank you. And what is your home address please?

utterance: Home address is two nine five two Comstock Place providence Rhode Island twenty-four fifty-one.

utterance: Terrific. And your social security number please.

utterance: Six one one three three nine five one.

utterance: Thank you and your social security number?

utterance: Oh I think you just asked me that.

utterance: I'm so sorry I'm so sorry yes I'm sorry I'm I'm.

utterance: That's okay.

utterance: That's okay.

utterance: Must be a long day for you.

utterance: You are my last call for today.

utterance: Oh aren't you lucky. Do you have any plans tonight?

utterance: Oh, my husband and I are just gonna go out and have a nice dinner.

utterance: Oh that's nice.

utterance: Yeah.

utterance: Thank you.

utterance: Oh speaking of nice dinners, I wanted to ask is there a fee to apply for the term loan?

utterance: Oh no no no no fee for applying absolutely not.

utterance: OK.

utterance: Oh, great.

utterance: OK. Thank you.

utterance: Of course may I have your driver's license and the state it was issued from?

utterance: R I and that's twenty-nine fifteen thirty-six one.

utterance: Thank you. And then there's a four digit PIN that's associated with your other accounts, what is that PIN number?

utterance: Twenty-two fifty-one.

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

utterance: Rachel Cohen at Yahoo dot com.

utterance: Thank you. And Rachel are you the sole owner of your business?

utterance: I am.

utterance: Thank you, and what is the approximate date and month you established your business?

utterance: September of twenty sixteen.

utterance: Thank you. And your gross annual sales for last year?

utterance: One hundred thousand.

utterance: Thank you and your tax ID number?

utterance: Twenty-two fifty one sixty-five. Thirty-seven.

utterance: Thirty-seven.

utterance: That's right.

utterance: Thank you. What is the address where your business is located?

utterance: Five five six seven Cameron Drive B as in boy Providence Rhode Island five five four three.

utterance: Thank you and is your mailing address the same as your business address?

utterance: It is.

utterance: Thank you. All right, Rachel and what is the line of credit you would like to apply for?

utterance: Ten thousand dollars.

utterance: Ten thousand all righty

utterance: And also what is the purpose of your loan?

utterance: I need to purchase I have an IT business I need to purchase more computer equipment, all my computers died you wouldn't believe what happened the other day, we had all these ITs here, it as an absolute nightmare and I said you know what forget it I'm just gonna buy all new stuff.

utterance: Well I I understand that, that's that must have been really frustrating.

utterance: It was.

utterance: All right that is all the information I need from you, I have just sent you a link to your email address that is your completed application. The only thing that we will still need from you is a photocopy of your driver's license and your tax ID number there is a link in the email for you to upload that into our system, I also need to advise you that interest rates, fees are based on a customer's credit and FFC rules and regulations.

utterance: Thank you.

utterance: You're welcome did you have any other questions that I may assist you with today?

utterance: No, thank you.

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

utterance: Thank you. You too.


utterance: Good afternoon. Thank you for calling Intellibank. This is Rose. How can I help you this evening?

utterance: Hi Rose. My name is Kim. How are you today?

utterance: I'm doing pretty good Kim. How about yourself?

utterance: I'm doing pretty good.

utterance: Awesome.

utterance: I need some help please Rose. I am trying to apply for a line of credit with you all.

utterance: sure. I can definitely help you with that. Just have to ask you some some questions and we'll go ahead and get that application started.

utterance: OK. Great. Thank you so much.

utterance: You're very welcome. All right. is Kim your first name or Kimberly?

utterance: it is Kim and my last name is Johns J O H N S.

utterance: Thank you so much Kim. And can you please provide for me your street address?

utterance: Sure. It is forty-nine Holland Drive. That's Philadelphia, Pennsylvania one nine one zero one.

utterance: Thank you so much. And your date of birth?

utterance: April twenty-fourth nineteen seventy-seven.

utterance: OK. And can you please provide for me your social security number?

utterance: Sure. It's one seven three seven three nine five zero two.

utterance: Thank you. And your driver's license number?

utterance: Sure. That is here we go. It is K three eight four seven two five two nine three.

utterance: Thank you. And what state was that issued in?

utterance: Pennsylvania.

utterance: OK. Thank you so much. And can you please provide for me your pin number?

utterance: Sure. That's two four one zero.

utterance: Thank you. And your email address?

utterance: it's my first initial and last name. It's K Johns seven seven seven at Gmail dot com.

utterance: All right. And what is your business name Ms. Johns?

utterance: It's JBS Tanning.

utterance: And are you the sole business owner?

utterance: yes. I am.

utterance: OK. And when was your business established?

utterance: it was February first of two thousand two.

utterance: Thank you. And what about your gross annual sales?

utterance: let me see here. I had all that in front of me. Rose, can you hold on for one moment? actually it might be a minute or two. I need to run down to the office.

utterance: OK. That's fine. Take your time.

utterance: Thank you so much.

utterance: You're welcome.

utterance: OK Rose.

utterance: Yes.

utterance: Thank you so much for holding. it looks like the average sales over the last four years are six hundred and forty thousand dollars.

utterance: OK. Thank you so much. And can you please provide for me your tax ID?

utterance: sure. That is zero zero nine five four zero three three four.

utterance: Thank you so much. And I need the business's complete street address.

utterance: Oh sure. It is seven forty-five Walnut Street Philadelphia, Pennsylvania one nine one zero one.

utterance: Thank you. And also your mailing address?

utterance: same as the business address.

utterance: OK. Thank you so much. All right. Bear with me just one moment. OK. I did want to inform you that you will only pay interest on the amount that you've borrowed not the entire credit limit.

utterance: OK.

utterance: Great. All right. And would you like any further information about setting up online banking in order to send in your documentation electronically?

utterance: sure. Yes.

utterance: OK. So what you'll need to do is go into your profile that you have online and underneath your your address there will be a hamburger menu that you can click on and it will say files on it and that's where you will upload them. Oh, well it come directly to us. Otherwise, you can just send them in by mail or if you have time you can also drop them by our office.

utterance: Oh OK. Great.

utterance: All right Miss Johns. So we just need you to please send in your supporting documentation from your business and we'll get back to you with the results of your application soon.

utterance: OK. Perfect. Thank you so much for your help. I appreciate it.

utterance: Oh you're very welcome. Was there anything else that I could help you with today?

utterance: Nope. That was everything. Have a great night.

utterance: Thank you so much. You too Miss Johns.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank, my name is Steven, how may I help you?

utterance: yes, I just opened up an investment account and I'm I'm not sure what I'm doing so I probably need to invest in something, I suppose, can you make some suggestions?

utterance: well I can't suggest any specific stocks sir but I can say that that if you did just get that set up, the first thing generally that you would need to do to start using that account would be to purchase a stock.

utterance: OK

utterance: Is that something that you would like to do?

utterance: yeah. I've got a little bit of money to play with so I I've been looking at a stock that I think I would like to purchase some.

utterance: OK, I can certainly assist with that. can I have your name please?

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

utterance: Thank you and your date of birth?

utterance: May twelfth nineteen sixty.

utterance: And for security, may I have your pin number?

utterance: Hang on a second, let me find it.

utterance: OK, no problem.

utterance: OK, I've got it.

utterance: All right sir.

utterance: One zero six two.

utterance: All right, thank you, I've verified that information and then can I have the account number for your investment account?

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

utterance: All right let me read that back is that seven three zero six nine five six eight two nine?

utterance: Yes.

utterance: All right, thank you sir and then can I have you verify your email address that is on file?

utterance: Thomas customs at Gmail dot com.

utterance: All right, thank you sir, I've verified that information and then what is the stock that you would like to purchase today?

utterance: It is B P midstream. The stock ticker is B P M P.

utterance: All right sir, thank you very much. And how many shares were you wanting to purchase?

utterance: ten.

utterance: All right and are we doing a market order today, sir?

utterance: Yes.

utterance: All right, that is ten shares of B P M P which is currently trading at thirteen dollars and eight cents a share is that correct?

utterance: That's correct. Is there a fee for doing this?

utterance: there will be a brokerage fee of point two percent on this transaction, yes sir.

utterance: OK, that's no problem.

utterance: All right sir, so I have got that market order ready and for a total of one hundred and thirty dollars and eight cents, plus the point two percent fee, that is for ten shares at the current market value.

utterance: OK.

utterance: Right and I do see that you have already funded your investment account so this money will be coming out of those funds. Is that acceptable sir? excuse me.

utterance: All right, I will get that order placed and those shares will be purchased as soon as they are picked up on the market.

utterance: That sounds great.

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

utterance: Can you tell me what other services that you offer?

utterance: Yes sir, we offer our general business services with three different tiers of credit cards two types of business checking accounts, our business savings account our wealth management and investment account which you are already aware of and then we also offer a variety of business loans as well as a variety of specialists that are on staff to help with varying business needs such as tax specialists risk assessment specialists, and investment specialists.

utterance: OK.

utterance: also if I want to sell my stocks, I can just call back at any time and ask for that, is that correct?

utterance: Yes sir, you can call us back or you can go online to the online banking portal and place a sell order or a stop limit order to sell those stocks.

utterance: OK, sounds good.

utterance: All right, sir. Is there anything else today?

utterance: I don't think so.

utterance: OK, well you have a fantastic afternoon and once again, thank you for choosing Intellibank.

utterance: All right, thank you.

utterance: Thank you. Goodbye.


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

utterance: yes, I had scheduled several appointments with my clients to discuss an ongoing investment so I would like to schedule schedule a appointment with a investment specialist before we meet. And also, could you tell me what exactly investment specialist do?

utterance: Yes sir. I certainly can. Our investment specialists, they invest in a sale's short-term securities. This includes commercial paper to meet short-term investments and in your financing needs. they can track your market rates at rates to be paid and the can and and the daily quantity to be sold and prepare periodic investment reports for you. They can also help you by evaluating the stock trends for you and making sure that you invest in the correct stocks for your company to build up your financial gains over time.

utterance: OK.

utterance: All right sir. So you did wanna go ahead and schedule an appointment with one of our investment specialists you said?

utterance: Yes. I would like to do that.

utterance: OK. Before I can schedule an appointment, I'm gonna need a little bit of information from you so I could set you up okay?

utterance: OK.

utterance: All right. First of all, can I have your first and last name please?

utterance: Yes. My first name is Gabriel my last name is Robinson.

utterance: OK. So Gabriel Robinson?

utterance: Yes. Yes. And my and my date of birth my date of birth is ten twenty-four nineteen seventy-four.

utterance: All right sir. Thank you so much for that information Mr. Robinson. OK. And exactly what type of appointment would you like? Would you like that to be in person or online?

utterance: Online is fine.

utterance: OK. So you'd like an online appointment?

utterance: Yes.

utterance: All right. And what date would be good for you sir?

utterance: do you have on a Monday?

utterance: yes sir. We have the next two Mondays are open. would you like an a.m. or p.m. appointment time?

utterance: do you have a.m.?

utterance: Yes sir. On Monday the eighth, we have you said p.m. sir?

utterance: no, a.m.. a.m.. Yes.

utterance: a.m. I'm sorry.

utterance: Yes. On Monday the eighth, we have a eight thirty a.m. and we have a ten thirty a.m.. And on Monday the fifteenth, we have a nine a.m. and a nine thirty a.m..

utterance: I'll take Monday on the fifteenth you said nine?

utterance: Yes sir.

utterance: OK. I would like that one please.

utterance: OK. So Monday the fifteenth at nine a.m.?

utterance: Yes.

utterance: All right sir. I'll put that down for you. And could I have your ZIP code please to give you the correct person in your area?

utterance: yes.

utterance: Oh, never mind sir. You said you want that online appointment?

utterance: Online.

utterance: Yes.

utterance: I apologize.

utterance: OK.

utterance: All right sir. So gimme just one moment while I set up that appointment for you with one of our investment specialists.

utterance: OK. OK. How's your day going for you so far? Is it cold down there yet?

utterance: Oh, yes sir. We just had a cold front come through over the weekend. It's very chilly here actually.

utterance: Oh, I love the cold.

utterance: It usually gets cold like this around Halloween so I was kind of expecting it.

utterance: yeah.

utterance: Now how's the weather there sir?

utterance: it's cold as heck here but I love it.

utterance: Oh.

utterance: you're just it looks like it will be cold there sir. I think it's us getting everywhere right now.

utterance: Yes.

utterance: Yes it is.

utterance: It's.

utterance: Probably even chilly in Hawaii.

utterance: Oh my goodness.

utterance: All right sir. I set up that appointment for you Mr. Robinson on the fifteenth of November at nine a.m.. Is there anything else I can help you with today?

utterance: I don't believe so since you helped me with everything that I needed to be helped with I reckon so.

utterance: Oh.

utterance: All right sir. Do you want more information about online banking? That way if you needed to, you can always schedule an appointment online. It'd be a little quicker than calling over the phone if you wanted to do it that way or just in case you weren't able to get in touch with us.

utterance: OK. That won't hurt. I'll take a little bit more information.

utterance: All right sir. So first of all, what we can do normally you can go to our website at Intellibank dot com online, we have where you can go into your online banking area. Have you set up online banking before?

utterance: no. I don't believe I think I did. I don't really know. I don't really pay attention.

utterance: OK sir. If you set up online banking at another bank, it's pretty much the same way but at our bank on our bank you actually would go into the business banking section. Setup online, you would need some of your personal information like you do over the phone including your PIN, maybe some information such as your address and your you know Social Security number. You would need an email address in order to get that information to and from. And then you can set up the online banking account with us just. excuse me. Got a little dry throat. you can set up the online banking account with us and then you could access it anytime you want to online, over the phone, and you know you can use your tablet and that way you can go on and schedule an appointment, check out your investment portfolio, and get any type of paperwork that you would need instead of having to call.

utterance: OK. That sound great.

utterance: All right sir. So whenever you're ready, you can set that up and you'll be able to just access any information.

utterance: OK.

utterance: All right sir. So I've set up your appointment. That's on the fifteenth at nine a.m. to repeat just to verify with you. Is there anything else I can help you with today?

utterance: no. That's it. Thank you.

utterance: OK. Thank you so much Mr. Robinson for your time and patience. Again, my name was Natasha. Hope you enjoy the rest of your day.

utterance: OK, OK. Thank you.

utterance: Thank you too. Bye bye.


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

utterance: Yes this is Monica Stevens.

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

utterance: One one nineteen sixty.

utterance: K. and for security purpose can I get the email that we have on file?

utterance: OK. organic peach at Gmail dot com.

utterance: And you said organic peach?

utterance: Yes.

utterance: OK.

utterance: That's Gmail dot com.

utterance: Yes.

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

utterance: It's PG one three three seven four eight.

utterance: OK. Now how can I help you today Ms. Diaz?

utterance: Yes I was calling about financial documents.

utterance: OK. And you have your own business.

utterance: Yes.

utterance: K.

utterance: I was calling if I can get maybe a copy or see how everything is going.

utterance: OK. OK. let's see. What account is this OK to go?

utterance: Disconnected to my savings.

utterance: K.

utterance: You need that.

utterance: Yes.

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

utterance: OK.

utterance: And you say you would like to have a copy.

utterance: Yes.

utterance: which what how do you want your copy sent email mail?

utterance: I would like paper copy. Yes. A paper, you know.

utterance: OK.

utterance: A paper copy.

utterance: Yeah trail.

utterance: OK just to give you a heads up it may take two to three business days before it actually reaches out to you.

utterance: K.

utterance: Just FYI and also looking at your account to financial papers that we have on file or almost a year up so you might have to update those. In the next three months it looks like.

utterance: Oh, OK.

utterance: K.

utterance: All right. Mkay. And the address we have on file, can you confirm that one?

utterance: See.

utterance: It'll be thirty sixty-nine Tiquewood one zero zero six two.

utterance: One zero.

utterance: Yes New York New York.

utterance: OK New York K. It looks like everything is up to date do you I have to go along with your financial documents also in the next three months your transaction documents need to be updated.

utterance: Oh OK.

utterance: K. Just giving you a heads up do would you like to know your balance?

utterance: yes.

utterance: K. right now you're standing at

utterance: It looks like you're staying at eight thousand four hundred seventy-six dollars and eighty-two cents.

utterance: K.

utterance: K. Is there anything else I can do it for you.

utterance: No not at this time. But you said that the the documents will take about three business days.

utterance: Yes no more than three business days. We'll have that shipped out to you. No problem.

utterance: Now if I want a on my phone the app or.

utterance: Yes.

utterance: Have it sent to my phone how long would that take?

utterance: You you talking about by email.

utterance: Right.

utterance: Yes that we could have that shipped to you right now.

utterance: Oh, OK.

utterance: Would you like that if we could ship it?

utterance: Yeah. You could do that. Both ways. I want both.

utterance: Or by email?

utterance: Both ways? Yeah.

utterance: OK.

utterance: OK.

utterance: OK. We'll do that.

utterance: no problem . Yeah is is in this day and age you you like to have a digital copy. Just in case. That way you can always check your emails and be like yo I remember this person did send me my copy through the emails and it's good for insurance like in case of fire or anything break out so.

utterance: That'd be perfect.

utterance: Right.

utterance: Right.

utterance: Exactly.

utterance: OK Ms. Stevens, also and just a heads up, you can also request documents through the app if you're doing online banking with your with your app we do have a section on there for you.

utterance: Oh OK. Perfect.

utterance: Mkay.

utterance: So everything should be good. We sent the email to organic peach at Gmail dot com.

utterance: All right.

utterance: And yeah that seems to be everything.

utterance: Oh OK. Thank you. I appreciate your help.

utterance: That's no problem. Is that all for all for today?

utterance: Yes.

utterance: Oh well thank you for calling Intellibank Ms. Stevens. You have a lovely day.

utterance: You too bye.

utterance: Bye bye.


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

utterance: Yeah, I like to update my, my street address for my business.

utterance: Certainly, I'll be happy to help you with that, and if I could just ask what's your first and last name sir?

utterance: Benjamin Freeman.

utterance: Alright and what is the name of your business?

utterance: Ray's Construction Company.

utterance: Alright, and Mr. Freeman, I'm gonna to ask you a few question. Just for security purposes, because we take account security very seriously here and it's for your protection and privacy as well.

utterance: Yes, I got you.

utterance: Alright, and Mr. Freeman if you would let me know what is the phone number on your account?

utterance: seven seven oh two two zero five eight five nine.

utterance: And what is your date of birth?

utterance: Three twenty-six nineteen seventy.

utterance: Terrific, and Mr. Freeman, what is the pin number for your account?

utterance: one seven zero nine.

utterance: OK, you said that was one seven zero nine?

utterance: That's correct, one seven zero nine.

utterance: All right.

utterance: Terrific and let's see if I can get your account pulled up here for this basic information which is just simply as you mentioned to change your business address, is that correct?

utterance: That's correct update, yes sir, you .

utterance: Alright, and Mr. Freeman what is your current business address?

utterance: It's at one forty-one Oakwood Avenue at one, one forty-one Oakwood Avenue, Oakdale Estates, Georgia three zero zero two.

utterance: OK.

utterance: But I'm updating, I'm moving to three six eight eight Layman Court, Smyrna Georgia three zero zero eight oh.

utterance: OK and let me repeat that. You're going to be moving to the address of three six eight eight Layman Court? And that's in Smyrna, Georgia three zero zero eight zero?

utterance: That's correct. That's correct, that's when we relocated, it's a larger place, got, got more room for for my, for my supplies, materials I can receive more in so I don't have to keep renting that, renting that storage over there at U-Haul, I, I can bring it home now.

utterance: Oh, well congratulations! No more having to rent out that now you got your own space.

utterance: Right, been needing it for a while, I just waiting on waiting on that building, waiting on the people to move out that building so I can get it.

utterance: Well, sounds like a plan there Mr. Freeman, seems like you got it all planned out.

utterance: Yeah, we got it all planned out, we just keep working on it you now? It's another side building, I'm gonna get too so they, they ain't moved yet, so I can knock that wall out.

utterance: Oh wow! So your really expanding over there at Ray's Construction.

utterance: Yeah, oh yeah they coming in, we got some hire some people in and got some trainees coming in, so you know, it's working out.

utterance: Well, again I'm thrilled to hear that and you know again I'm hopeful that we'll be able to communicate with you and send this any correspondence we have by the way is this also your new mailing address?

utterance: Yeah, it'll be my mailing address also.

utterance: OK, so if we need to send you anything correspondence what have you, we'll send it to their for you Mr. Freeman as well, let me simply ask, is there anything else I can assist you with?

utterance: right now I think I got a loan with you guys I I was concerned about that I don't know if that payment was made on time or not, just wanted to see.

utterance: absolutely, and let me just get your account number for your loan.

utterance: That was nine eight four six six nine one two.

utterance: OK, and as I pull up your loan information here, let me see if I can get this pulled up for ya. yes, I was able to get that pulled up and it appears that on that particular account this is your SBA five oh four loan.

utterance: Right.

utterance: you wanted to know what your payment was, is that correct?

utterance: Want to make sure that loan, that payment was paid them payments was paid on time, I don't know when it got in there or not.

utterance: Absolutely, yes as I look at your account, it looks like your of course card pardon me, your loan payment, was received on last Wednesday is what I'm showing reflected.

utterance: OK, that sounds good that sounds good and also I got a question. I need to find out about one of my credit. What's the balance on one my credit cards one of my employees have? and I'm not sure what the loan number is but maybe you can see it on, on your information.

utterance: absolutely. you said you're not able to see it.

utterance: I'm not sure what that number is cause it's quite a few of them and I'm not sure the, maybe you could see it on one of yours. It's it's they are numbered by two so he'll be card number ten. So, I don't know how y'all list them in, in your system, I need a balance on his.

utterance: Well Mr. Freeman, I certainly would love to assist you with that but you are correct, we would actually need the credit card number for your employee, you said you didn't have that but are you able to locate the credit card number for your employee?

utterance: No, I don't, no. Where it's at, like I said my assistant is on vacation. And I'm kind of here by myself right now, and thought maybe you can help me out with that, if not, I'll call her at the hotel where she at.

utterance: Absolutely, yes we'd certainly love to help you with that and pull it up for you, but your correct, we would need because it appears here, as I look at your particular company's account, you've got about fifty different credit cards authorized on your master account, and because of that we would need to know which specific card you're calling about meaning we would need the card number. So if you don't have that handy, you probably wanna of course, get the card number and either you can give us a call or by the way, you if you don't wanna bother your sister who's on vacation, you can go online and potentially you probably would be able to pull up his or her account information that way, because it still falls under your master account, but on my end I would need to have the card number while on your end, you may know the particular employees name and can search for it that way.

utterance: Alright, that sounds good, that's what, that's what I'll do. I'll go and do that.

utterance: Terrific well is there anything else I can assist you with Mr. Freeman?

utterance: no right now, I think that covered everything. I'll go take care of that. take care of that credit card information you gave me, find out what's going on with that and I appreciate all that you have done, thank you. You've been very gracious.

utterance: Again we certainly regret that we weren't able to assist you with that final bit at least here on the phone but of course, if you have any other questions, we are certainly happy to assist you.

utterance: Oh, thank you very much.

utterance: You have a great day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Hello. I am gonna be asking you about small business loans today. I really don't know anything about them, and it appears that some real estate has been made available at you know, a friend of a friend found. I've been looking for a space like this. It appears I have an opportunity to get it, but I know I don't have enough cash to just get it outright. So I need to find other solutions.

utterance: All right. Well, that shouldn't be a problem. Here at Intellibank we know everything about loans.

utterance: Oh, great.

utterance: do you currently have an account with us?

utterance: I do.

utterance: All right. Why don't we start by pulling up that current account.

utterance: Mhm.

utterance: So I can get you more information.

utterance: Mhm.

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

utterance: Mhm. my last name is like. Is Groom. It's like bride and groom. G R O O M.

utterance: Mhm.

utterance: And my first name is Scott, which has two Ts.

utterance: All right, Mr. Groom. I'm gonna need your mailing address.

utterance: OK. It is two zero two South Jersey, like the state. Spelled like the state. South Jersey Drive. And that is in Los Angeles, California. And the ZIP is nine zero zero two one.

utterance: All right, and I'm going to need the last four of your social security number.

utterance: OK. It is three three seven five.

utterance: And finally I just need your four digit security PIN.

utterance: It is two zero one zero.

utterance: Great. And I do see that you have a corporate credit card with us.

utterance: Mhm.

utterance: All right. Would you like to go ahead and start the application process for that loan?

utterance: no, I just called to get information about it. but you're in my account, right?

utterance: I am, yes.

utterance: do you have access to my credit card account too?

utterance: yeah. I would just need your sixteen digit card number.

utterance: The whole thing?

utterance: The whole thing.

utterance: Oh, man. Cuz I wanna see how much I owe on it this month, and I'm just talking while I find it, but I wanna get that paid off because I know that I either am at the deadline or I'm real close to it, and I don't wanna get another late fee, cuz I got one of those last month and, man, those things are terrible, and it's should be a crime how much you overcharge on those. Or every bank. It's not just you. It's just like you know, obviously, I appreciate having a credit card, but man, if you happen to like miss it by a day or two, then you really pay the price. it's kinda like the punishment way outweighs the crime, you know But, anyway, I found the number. Sorry, I was just babbling while I was.

utterance: Oh, no problem. Take your time.

utterance: Oh, not a problem at all. I understand your frustration.

utterance: so anyway, my sixteen digit account number is one six six zero two one three three eight four nine two six nine two two. That's the one. That's for the one that I have the outstanding balance I need to pay. I mean I'm just gonna do the minimum that's due, but I also wanna know what's the total amount due.

utterance: All right. Well, I have both of that information right here for you. So, for this month you're going to owe thirty-two hundred fifty dollars and sixty two cents. And overall.

utterance: Mhm.

utterance: Mhm.

utterance: I'm gonna write that down. Thirty-two hundred what?

utterance: Yes.

utterance: Thirty-two hundred.

utterance: Mhm.

utterance: Fifty dollars. And thirty-two cents.

utterance: Mhm.

utterance: OK, and then now what's the total?

utterance: The total overall is thirty-two thousand. Eight hundred. Sixty two dollars. And twelve cents.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: And what's the due date?

utterance: For your current monthly bill. Your due date will be the twenty-fourth.

utterance: Yeah.

utterance: Of what? October?

utterance: Of November. We are now into November.

utterance: Did I pay in October? I thought I'd missed it.

utterance: I'm seeing that October is paid.

utterance: Did I?

utterance: Yeah.

utterance: Oh, great. And I have until the twentieth?

utterance: And you have until the twentieth.

utterance: And you know, it's like the three thousand fifty and thirty-two. great. So what I'm not. I'm not gonna actually pay that today. I'm going to wait, cuz I have a little bit of time, but if I did do it now, could I do it through you, or would I have to call another number?

utterance: OK.

utterance: OK.

utterance: No, you could do it through me, or on our website.

utterance: OK, great. Yeah, I'll probably just do it on on my app.

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

utterance: s~

utterance: Well, I did wanna talk about loans but I actually have another meeting I gotta run to, so I just am. I have a weight off my back knowing that I made a payment in October, and wow, I just feel better now.

utterance: Great. Well, give us a call back any time. Thank you for calling Intellibank. Have a lovely rest of your day.

utterance: Thank you. You too. Bye.

utterance: Bye.