utterance: Hello. Thank you for calling Intellibank. you have reached the customer service line. I'm Morty and I'm going to be your customer service representative. How can I help you today?

utterance: hi my name is Chris and I need to take out a loan for my business.

utterance: Fantastic! I think we can help you with that with the loan. Let's get up your account here so we can find out more about your finances. What is your first name and your last name?

utterance: It's Christopher? Chris Wu. W U?

utterance: All right, Mr. Wu. What is your street address?

utterance: Seven seven eight Vista Chino Avenue in Palm, Springs, California nine two two six two.

utterance: Fantastic. And can I get your social security number and your driver's license?

utterance: Yes. Three three one zero three three five nine eight Driver's license D six four six zero zero three zero.

utterance: Fantastic. And what is the state for the driver's license?

utterance: California.

utterance: Thank you. Can I get a PIN for your account?

utterance: Yeah, five five two five.

utterance: That's great. And what is the email associated with your account?

utterance: It's Chris Wu spelled out at Wu Sports dot com.

utterance: Fantastic. And I'm guessing your business name is Wu Sports?

utterance: No, it's actually Wu and Wu Sports Complex.

utterance: Got you. OK it's Wu

utterance: Me and my father and I started it so we gotta. This is like a father and son kinda company.

utterance: So that's fantastic. We love seeing family businesses. And Are you the sole owner or do you own this with your father?

utterance: The two Wu's.

utterance: No, I'm the sole owner.

utterance: OK, great.

utterance: And do you have a specific numerical date for that?

utterance: Sorry, yeah, it's when did we open? I think it was September of two thousand ten. September fifteenth two thousand ten.

utterance: Fantastic. And what are your gross annual sales at Wu and Wu?

utterance: Right now about three hundred and thirty thousand.

utterance: Fantastic.

utterance: A year,

utterance: Yeah.

utterance: Three hundred and thirty thousand. Let me just get this information in there. This is all great information to help secure you a loan that's best suited for your needs. What is your tax ID number?

utterance: Oh man, OK. Hold on. put you on hold real quick, Sir. Give me a second.

utterance: Absolutely.

utterance: Take your time.

utterance: OK tax ID is seven two seven six six one.

utterance: Great and can I get a business street address?

utterance: It's eight two four Ramon Road, Palm Springs, California nine two two six two.

utterance: Fantastic. And can I get a mailing address?

utterance: It's the same.

utterance: Great! I'll just copy and paste that information over from the business street address. OK, so we are looking at a loan type. How much of a loan are you looking to to take out?

utterance: I think we're adding a batting cage, batting cages to our complex cuz right now we just have like video arcade miniature golf, rock climbing and we wanna we wanna build a batting cage in the back so from what I from my estimates online I think we need about a hundred and twenty thousand.

utterance: A hundred and twenty thousand. Great. So based on your on your records and based on your credit score we're going to offer you a a secured loan which means that you're going to have to put up a piece of collateral to get this loan. Do you understand what that means?

utterance: yeah, a secured loan just yeah you need some collateral to protect yourself from your guys' yeah loan.

utterance: Absolutely, so if we if you default on any payments that means that we can repossess whatever collateral you put up so based on the a loan amount, what are you going to use as collateral?

utterance: I'm gonna use my house.

utterance: Fantastic. All right, and then to pay back the loan, what kind of loan term are you looking for?

utterance: I think I can pay this off in three years. Thirty-six months?

utterance: Absolutely. We'll put you down for thirty-six months. Now the the interest on this will be around two point one percent. Is that all right?

utterance: That's great.

utterance: That's fantastic. OK, so in order to confirm all this information we will be sending you an email and you're just going to have to send supporting business documents to us and that'll all be laid out in the email. You can also do this online where you can just scan it and upload it if that's more convenient for you. And once we get that information, we'll review your application and see if you get approved for this loan. Now, do you have any other questions about this loan?

utterance: No, I think I'm good.

utterance: All right great. And is there anything else I can help you with with your account?

utterance: No, sir.

utterance: All right. Well, I hope I've been able to address all your concerns and I hope you have a fantastic day.

utterance: Thank you. You too.

utterance: All right, take care.

utterance: You, too.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes sir. I need to change my statements to paperless.

utterance: Be more than happy to assist you with that ma'am. if I could just ask what your name is?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of the business you all have with us?

utterance: Reuben's Restaurant.

utterance: OK and thank you for that Miss Richards. lemme just pull your account information and I'll need to verify that. So that I can assist you with helping to change your statement delivery. what is your phone number?

utterance: Six seven eight two zero two four two five three.

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

utterance: Eleven eleven eighty-four.

utterance: Awesome. OK and if I could just ask Miss Richards what is the account number that you have for your account?

utterance: All right. just a second and let me get that for you.

utterance: Terrific and just so that you know. I wanna clarify. You wanted to change your statement delivery. This is for your business preferred checking account. Is that correct?

utterance: Correct.

utterance: OK. Yes mum. I would need that number. I would be glad to hold while you go and grab it.

utterance: OK. I have it now.

utterance: OK. Go ahead.

utterance: All right it's nine eight four six five nine.

utterance: OK. That account number is nine eight four six five nine. Is that correct?

utterance: Correct.

utterance: And Miss Richards what is the pin number for your account?

utterance: It is one seven seven seven.

utterance: OK. that number is one seven seven seven. I will see if I can get you pulled up here Miss Richards. OK. I was able to get the account pulled up. And lemme just ask. You said you wanted to change how you receive your statement did you wanna change it you have several options. You can change it to you said paperless. You can change it to receiving via fax or via email. Which is the method you prefer?

utterance: Email.

utterance: OK and Miss Richards, what is the email address that you wanna change or or that you want your statements sent to?

utterance: Rueben's Restaurant dot com.

utterance: OK. Well lemme just again. I know you said Rueben's Restaurant dot com but but what's email portion of it? It's generally something at Reuben's Restaurant dot com or what again would the email be that you want sent? is it Evelyn Richards at Rueben or.

utterance: Yes it's Eve Richards at Reuben's Restaurant dot com.

utterance: OK. Let me repeat that just so that I may be sure that I have that correct. That's Eve Richards at Reuben's Restaurant dot com. Is that correct?

utterance: Yes.

utterance: All right. Terrific and I have been able to go ahead and update that for you and now you'll instead of receiving statements by mail to the address, it will be instead sent electronically to the email address here that you've just provided to me.

utterance: OK.

utterance: And let me just ask. are you familiar at all, Miss Richards, since you are changing your statement delivery to email? Are you familiar at all with online banking with us?

utterance: No. I'm not.

utterance: Well let me help you a little bit with that and be glad to tell you a little bit about that because it may be more convenient for you in the down the road. just so that you're aware Miss Richards. You can simply go visit our website and with your account number you'll be able to from there access our your account by creating a username and password. Takes less than thirty seconds. From there you'll then be able to access and pull yup your account see what your account balances are. change your email. Add phone numbers. You can of course dispute any transactions that you may have if there are any disputes and you can also communicate with us online as well by speaking to us via our online chat customer service. that can assist you with that as well.

utterance: All right. That would be great.

utterance: And Miss Richards let me just ask. You know I know that you are there at Reuben's Restaurant. Are you all getting prepared for the holidays. are a lot of folks booking you know events there for you?

utterance: Yes we are very busy already and now I'm seeing a lot more activity with people booking. Trying to get you know things set up for that time of the year.

utterance: Well that's great to hear. I I know that we've some of our co-workers here have been to your restaurant before and it's the food there is tasty. So I'm I'm I've heard a lot about it so hopefully one of these days I'll be able to get down there as well. to try out some of that delicious food that some of my co-workers have told me about.

utterance: Well good. We we getting ready to get some new stuff out there as well. So come on by.

utterance: Yes ma'am. Well thank you for that and again if there is anything else I can help you with if that's all?

utterance: No.

utterance: I again certainly appreciate your doing business here with us at Intellibank and you have a terrific day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Mercedes speaking, how may I assist you?

utterance: Hey, Mercedes. how you doing?

utterance: I'm well, sir. Thank you so very much for asking. How are you?

utterance: Good. Oh, wow. Just getting ready for tax season. I had you know, got them in late last year and just so many write-offs this year and then so many tax laws like new ones that I don't understand. I was trying to just do some googling and figure out what to do myself online. But, I was gonna do the Turbo Tax thing myself and my friends did not have good luck with that. Like, couple of them got audited a couple of them owed a a bunch of money.

utterance: I would I I completely understand that, sir. Well, we do have tax specialist here if you would like to set up an appointment.

utterance: Yeah yeah I was gonna see if you had a service. That'd be great can I can do that through you?

utterance: Oh, absolutely. I'd be very happy to assist you with that.

utterance: Mhm.

utterance: may I please have your first and last name?

utterance: Sure. My name's Johnny Hembrose.

utterance: Hembrose. Ok, thank you, Johnny. And, Johnny, may I please have your date of birth?

utterance: Yes, it is June twenty-fifth nineteen ninety.

utterance: OK, perfect. June twenty-fifth nineteen ninety. And, may I have your ID number?

utterance: that would either be your your your driver's license or your or your passport number.

utterance: yeah my driver's license number . Driver's license is A as in apple. B as in boy three nine six two four five seven seven.

utterance: Excellent. Thank you very much. And, can you please give me the dream car of your desires and your mom's favorite television show?

utterance: yeah yeah it's a Ferrari and.

utterance: Oh, I'm sorry, and your dad's favorite movie growing up?

utterance: OK. Ferrari and and my mom's favorite television show is Green Acres and my dad's favorite movie growing up was Willy Wonka And The Chocolate Factory as he's crazy like that.

utterance: Them OK, awesome.

utterance: Yeah.

utterance: All right. thank you. That got us in. And, sir, I see that you wanna you wanna set up an appointment with a tax specialist. Would you like to do that in person or over the phone?

utterance: Phew. I'll I'll take the plunge. I'll go in person.

utterance: OK. may I please have your ZIP code?

utterance: Yeah, it's seven four five two four five.

utterance: OK. It looks like you are located closely to our Quango location.

utterance: they have open availability next Tuesday, Thursday and Saturday. Which date works best for you?

utterance: I'll do Saturday.

utterance: OK. how is Saturday at ten a.m. for you?

utterance: Perfect.

utterance: OK. So, next Saturday at ten a.m. Joshua will be assisting you with your taxes. And I'll go ahead and email that to you to confirm.

utterance: OK.

utterance: Great. Great. Great. Joshua huh? Is he a nice guy?

utterance: he's the best.

utterance: Cool. Cool.

utterance: He's the best. was there anything else that I may be able to assist you with today, sir?

utterance: Yeah, you know what, cuz I have you on the phone I just want to schedule a one time credit card payment. Not not recurring, just like can I make one through your internet today?

utterance: Oh. Absolutely, sir. if you'll just give me one second I'll pull this up. What is your name on the credit card?

utterance: yes. It is it's actually under my business name. It's Larry's Light Switches.

utterance: Excellent. And, may I have the EIN number associated with it?

utterance: Yeah, four five seven nine three six seven.

utterance: Excellent. OK. And, how much would you like to make your credit for in the amount of?

utterance: yeah, just the one time two hundred and seventy-five dollars.

utterance: Two hundred and seventy-five dollars.

utterance: OK. We can go ahead and do that. I am essing essing processing it now.

utterance: It OK, and it went through. So I'll also send you a confirmation of your payment, sir. I'll and you can take down this number if you'd like.

utterance: yeah we got a pen.

utterance: Yeah.

utterance: I may I I'll just store it in my phone. Go ahead.

utterance: OK. The the number is C seven six two three four two.

utterance: C seven six three two four two. Great, great, great.

utterance: OK. Got it.

utterance: All right. was there anything else that I may be able to assist you with today, sir?

utterance: Yeah, I just wanna know that in the future if I wanted to set up automatic payments I don't wanna do that right now but is there a more convenient way to do that?

utterance: yes, sir. there there is. if you if you you can even do it online. It seems like you are a member of our online banking. If you just go online and you check payments in the click automatic payments you'll be able to do all of your payments automatically.

utterance: Great. But, I should get an email about the payment I just made?

utterance: You certainly will. Yes, sir.

utterance: OK. Can you send it for me? I just wanna check my inbox.

utterance: Sure.

utterance: OK. I'll get it immediately, right?

utterance: You will get it immediately.

utterance: OK.

utterance: I already got it. Huh. Thanks. Thanks so much.

utterance: Well thank you for calling Intellibank, sir. Have a great day.

utterance: All right. You too. Have a good night.

utterance: Bye.

utterance: Bye.


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

utterance: Hey Rachel. How you doing today?

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

utterance: I'm doing great. I'm doing great. It's I gotta say, it's been an a an amazing year for me and my business.

utterance: very nice. I like to hear that.

utterance: And

utterance: Yeah and I actually I am a customer of Intellibank for both business and personal and that was kind of the reason I was calling is because you know my business is having such a great year.

utterance: Mm.

utterance: And let's be honest. You don't always get to be blessed to have such good years because a business it is a true rollercoaster ride.

utterance: Right.

utterance: Right.

utterance: That is so true.

utterance: So I was I was talking to some friends and they're like getting the involved in the world of investments and stuff like that you know, but they were trying to explain to me and I was trying to do research and it just was not clicking on my own.

utterance: Mhm.

utterance: And I was wondering if you guys offer some type of like specialist. A person that handles investments that might be able to.

utterance: Mm.

utterance: give me like some direction and like almost kind of dumb things down for me a little bit.

utterance: Oh my goodness. Absolutely. Like we have some of the best investment specialists in actually the world.

utterance: Wow!

utterance: Not just the country, but the world. Seriously, like Intellibank purposely goes out and recruits these specialists to help out small business owners, because the the two men that founded Intellibank they really really want small business owners to like thrive and and succeed because they started out as small business owners and and no one was ever there to help them.

utterance: Wow. And their mission was to just help others and they're they're really two amazing men so yeah let's set you up with like an appointment with our investment specialists.

utterance: That's amazing.

utterance: OK. Yeah that would be amazing.

utterance: All right. Well what is your full name and date of birth?

utterance: my name is Tim.

utterance: Mhm.

utterance: Everly that's E V E R L Y.

utterance: Mhm.

utterance: OK.

utterance: And date of birth you said?

utterance: Yes.

utterance: September twenty-first, nineteen eighty-three.

utterance: OK. And Mr. Everly what is your PIN number?

utterance: it's two one eight three.

utterance: OK.

utterance: and your account number?

utterance: Oh hold on one second for that.

utterance: Sure long.

utterance: OK. It is zero eight eight six.

utterance: Mhm.

utterance: Three one seven four five one.

utterance: Mhm.

utterance: OK. So we got zero eight eight, six three one seven four five one.

utterance: Correct.

utterance: All right. OK, so what I can do is I can actually if you wanted, did you want to set up an appointment in person or Zoom?

utterance: you know what? Let's do the Zoom. Zoom would be a lot more convenient for me.

utterance: OK. So that's what we'll do. I will send you over our calendar the Zoom will be great, because you can look over every single specialist that we have in the country basically and since you're doing a Zoom. And we have little biographies on them and click on their name and like you can look at their specialities and like where they're from, and where they went to school and then you can like pick your pick your specialist and then you know, pick your date and time and then you'll get an email on confirmation.

utterance: Oh, wow.

utterance: OK.

utterance: So OK, what's your email address?

utterance: OK. It's Tim Everly nineteen eighty-three.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: All right, is that a capital T?

utterance: It is.

utterance: OK. Alrighty. OK. Now. If you could. I'm so sorry. I don't want to inconvenience you but if you could is there a way that you could check to see if you got that because if you got the email that I just sent you, cuz this morning we were having trouble with our servers and customers were not getting the links.

utterance: Yeah, of course. Of course.

utterance: So oh really?

utterance: Yeah, hang on. Let me. Let me pull up my email please.

utterance: OK. OK.

utterance: Awesome. Just take your time. Let me know.

utterance: OK. I'm just gonna give it a quick refresh here.

utterance: OK.

utterance: And yeah, it's here. I got it. That was quick.

utterance: OK. Perfect.

utterance: I'm so glad.

utterance: Yeah. I wanna thank you so much now.

utterance: OK, cuz I

utterance: I would have hated to you for you to like have to call back if you didn't get it and blah blah blah. OK, I'm sorry what were you gonna say?

utterance: Yeah.

utterance: No, I was

utterance: Just, well. I was just gonna say I I guess I don't have to call back. I have it and if there is any issues, would I can I just call back or should I?

utterance: Oh my goodness, of course. our customer service line is open until eight p.m. eastern every night.

utterance: OK.

utterance: OK.

utterance: Every day so, yeah.

utterance: That's perfect then. Thank you so much.

utterance: All right.

utterance: Can I help you with anything else?

utterance: No, that's everything.

utterance: All right. Thank you so much for being part of Intellibank.

utterance: Thank you. Take care.

utterance: Bye bye.


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

utterance: Hi Ginger how are you doing today?

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

utterance: Well I'm doing wonderful thank you. I am actually calling for my employer. and she was wanting, I'm not, I'm so sorry, I'm not exactly sure what she was talking about, but she said that she was wanting to know how much her long bonds are increasing by and she said something about strips?

utterance: All right ma'am. I believe what she's referring to would be a treasury bond yield and a long bond is actually a another name for treasury bond. and strips is a different or is a type of treasury bond. and I'd be more than happy to check into that for you and see what the percentage increase is for for you.

utterance: OK yeah that's exactly what I was trying to get at I do believe. And thank you so much for figuring that out for me.

utterance: That's not a problem whatsoever ma'am. May I have your name please?

utterance: Sure. This is Georgia. G E O R G I A. My last name is Romano. R O M A N O.

utterance: All right. Thank you so much ma'am. I have your first name as Georgia. G E O R G I A and last name as Romano. R O M A N O.

utterance: Yes ma'am, that is correct.

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

utterance: Sure. My birth date is March the thirteenth, nineteen sixty-six.

utterance: Thank you ma'am. I have March the thirteenth nineteen sixty-six.

utterance: Yes ma'am.

utterance: Thank you and may I have your PIN number please Miss Romano?

utterance: Yeah. my PIN is five seven seven four one five three four.

utterance: Thank you so much, ma'am. Now let's see, that was a strips now do you know the period of time that they were that your employer was wanting the yield for?

utterance: yeah I believe she's was wanting it for a couple of different time periods. how about for one month?

utterance: All right let's see. For the bond type and for one month I'm showing that increase at point five percent.

utterance: All right. Point five percent. And how about for six months?

utterance: Let's see. I'm showing that for six months at a one percent increase.

utterance: All right. One percent.

utterance: Yes ma'am, that is correct.

utterance: OK. how about at one year?

utterance: Let's see. I'm showing for one year Miss Romano that would be a two percent increase.

utterance: OK.

utterance: two percent. And how about for three years?

utterance: Let's see. I'm showing for three years that would be a three percent increase.

utterance: OK three percent. And for five years?

utterance: For five years I'm showing that at five percent.

utterance: All right. And ten years?

utterance: Let's see. For ten years I'm showing that at seven point five percent.

utterance: All right and I think the final would be for thirty years.

utterance: Let's see Miss Romano. For thirty years I'm showing that at ten percent.

utterance: OK great. Thank you. now I know I have this written down, but would it be possible to send this as a statement to us?

utterance: Oh absolutely, Miss Romano. would you like it emailed, mailed or faxed to you?

utterance: If possible actually could I have it both faxed and mailed to us?

utterance: That's not a problem whatsoever Miss Romano. Let's see, let's start off with the fax. May I have your fax number please?

utterance: Sure! the fax number would be area code two zero two six six three six five four one.

utterance: All right. That was area code two zero two six six three six five four one.

utterance: Yes ma'am.

utterance: Thank you. And where would you like the statement mailed to?

utterance: The address would be one zero five eight Massachusetts Avenue and that is Washington D C two zero zero three six.

utterance: All right. And just to verify Miss Romano, I have that address as one zero five eight Massachusetts Avenue in Washington D C two zero zero three six.

utterance: Yes ma'am, that is correct.

utterance: All right. Well I do have the fax on the way to you as we speak.

utterance: And we will get that statement out in the mail to you this afternoon so you should probably receive that in about two to three business days, OK?

utterance: All right, well that sounds wonderful. Thank you so much for your help today, Ginger.

utterance: That's not a problem whatsoever Miss Romano. Was there anything else I could assist you with today?

utterance: No ma'am, that is all. Thank you so much.

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


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

utterance: Hey Archie. I just wanted to schedule a a loan payment if that's all right. I think I. You know I might have done them by the website in the past but I I thought I forgot all that stuff and so I just thought I'd call in instead.

utterance: You want to do. Do a loan payment by phone?

utterance: Yeah, can I do that? Can I pay by phone?

utterance: Yeah. Do you want to process that for today or for a later date?

utterance: well I mean for a later date. I. You know. Later in the week. That's. Can I do that?

utterance: Yeah. There'll be a few steps before that. I just wanted to make sure that I knew exactly where you were going. So let's get you started. I need your first, last name, and your date of birth.

utterance: OK.

utterance: Yeah Michael Robinson. Date of birth January seventh nineteen eighty-two.

utterance: Kay.

utterance: Do

utterance: You need anything else?

utterance: Yes. I will need your four to eight digit PIN number.

utterance: yeah. So let me pull that up. OK the PIN is one seven seven three five.

utterance: One seven seven three five.

utterance: Anything else?

utterance: Yes. So sorry it takes a second for each individual category to process.

utterance: All right. I'll need your loan account number. That's a six to ten digit number. This is a loan. So this'll be the account you'd be paying into.

utterance: let me grab that. OK I got it written down. OK. I'm sorry. what. Which. Which account is the loan. I'm paying. The account I'm paying into?

utterance: Yeah. Well according to your PIN number that I've accessed. I believe it is a term loan. So this is the the account for your term loan.

utterance: OK yeah. All right that sounds right OK five seven three four zero zero nine eight.

utterance: OK. We'll also need a payment bank account number. Another six to ten digit number. This is the account you'd be paying out of. I see here that you have our Intellibank total preferred checking and Intellibank smart savings account. Which of those accounts would you like to pay out of?

utterance: the checking. The checking account.

utterance: Right.

utterance: So do you have my. The checking info there?

utterance: Just waiting for that loan account number to finish its processing. All right. So yeah what's that checking account number?

utterance: Oh I. I need to give it to you?

utterance: Yes, sir.

utterance: OK. it is. One eight eight zero eight nine three four one.

utterance: Thank you for that information. That went right through. I'll also need a payment routing number.

utterance: Oh boy. OK three seven eight zero eight. three four five.

utterance: Got that in there as well. So finally I will need a payment date from you.

utterance: Yeah. Let's do it next Monday.

utterance: Next Monday, which I have down here. As April twenty-third. Is that correct sir?

utterance: yeah. Yeah. The twenty-third.

utterance: April twenty-third. That will be your payment date. Let you know right now that your current balance on this term loan is ten thousand seventy-six dollars and twenty-six cents. How much of that would you like to put towards payment?

utterance: Let's just do one thousand.

utterance: On thousand dollars even.

utterance: Mhm.

utterance: That will be made on April twenty-third. You will receive a verification from us on the twenty-third which will come in the form of an email. If you'd also like to receive text alerts you can set that up on the online banking system at Intellibank dot com or through the mobile app and that will set you up for that as well. Just for extra security know that your payment has gone through and sir at this time I also want to let you know since you are a Intellibank total preferred checking customer and Intellibank's smart savings customer and have taken out this term loan with us we are also offering special credit card promotions at this time for the Intellibank business platinum card gold or silver and that the information and breakdown of each of those accounts and what they offer is available at Intellibank dot com. and the mobile app as well and you will be able to apply for the credit card online for yourself after reviewing those items or in the future if you feel like it you can call back and we can process that for you over the phone. Is there anything else that I can help you with today?

utterance: the payment I scheduled. That was just a one time. It wasn't a recurring, right?

utterance: That's correct. That's set up for April twenty-third a one time payment.

utterance: OK good. All right. Yeah, that's all I needed.

utterance: All right sir, you have yourself a great evening.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Hey Veronica. How are you doing today?

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

utterance: Yes ma'am, I sure am. The reason I'm calling is, I have an employee here who got his paycheck and he went to the bank to go and deposit it but when he got there, he could not find it anywhere and he has searched his car, he has searched his house, and he's checked his locker up here. And we have looked everywhere for it but it is gone apparently. So I guess what we're needing to do is cancel out that check so I can go ahead and re-issue him a new one.

utterance: I'd be more than happy to assist you with that today ma'am. I do need to get some information from you so I could pull up your account. May I have your first and last name please?

utterance: Absolutely. This is Addie A D D I E, Broderick B R O D E R I C K.

utterance: Thank you so much for that Ms. Broderick, and just to make sure I have your last name spelled correct that was, B as in boy, R O D E R I C K.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much. May I also have your date of birth please?

utterance: Absolutely, it's March the eighth, nineteen seventy-nine. Oh and just in case you need it, our phone number is area code, five one three five three two seven seven four three.

utterance: Thank you so much for that information Ms. Broderick. I have your birthday is March the eighth, nineteen seventy-nine and I have your phone number as area code five one three, five three two seven seven four three. Was that correct?

utterance: Yes ma'am.

utterance: Thank you so much, and may I have your company pin number please?

utterance: Absolutely, it is four two nine five zero one five five.

utterance: All right, I have four two nine five zero one five five.

utterance: Yes ma'am, that is correct.

utterance: Thank you very much, Ms. Broderick. Now you are with Perfect Home Centers, it that correct?

utterance: Yes ma'am.

utterance: Thank you. Now I do need to get a little bit of information about the check in question. May have that check number please?

utterance: Sure, it is five four zero eight zero five.

utterance: All right, so that's check number five four zero eight zero five?

utterance: Yes, ma'am.

utterance: Thank you and how much was that check written out for?

utterance: Oh It was for one thousand three hundred eighty-two dollars and seventy cents.

utterance: All right, so that was one thousand three hundred eighty-two dollars and seventy cents?

utterance: Yes ma'am.

utterance: Thank you very much Ms. Broderick and the cancellation reason is because this check was lost and you have reissued it, correct?

utterance: Yes ma'am, that is absolutely correct.

utterance: Thank you very much Ms. Broderick. Just one moment let me get this canceled out for yeah.

utterance: OK great. Thank you.

utterance: All right I do have check number five four zero eight zero five in the amount of one thousand three hundred eighty-two dollars and seventy cents canceled for you Ms. Broderick. Was there anything else I could assist you with today?

utterance: Yes, actually Veronica, since I have you on the phone. We have the Intellibank Business Platinum card with y'all could I check the available balance of that real quick?

utterance: Absolutely, I'd be more than happy to check that for you Ms. Broderick. Do you have that credit number please?

utterance: Absolutely, it is five one four five six eight five six seven zero one one one six five zero.

utterance: Thank you so much Ms. Broderick. Now that was five one four five six eight five six seven zero one one one six five zero?

utterance: Yes ma'am.

utterance: Thank you so much, one moment while I bring up your available balance.

utterance: OK great. Thank you.

utterance: I'm showing that available balance is eleven thousand three hundred sixty-one dollars and thirty-six cents.

utterance: OK, that's eleven thousand three hundred and sixty-one dollars and thirty-six cents?

utterance: Yes, ma'am that is absolutely correct Ms. Broderick.

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

utterance: Thank you so much for calling Ms. Broderick. Was there anything else I could assist you with today?

utterance: No ma'am not today. You've been very helpful, thank you.

utterance: Thank you for calling Intellabank Ms. Broderick. Have a wonderful day.


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

utterance: Hi. Yes, I'm calling because I need to get my net income for specific dates please.

utterance: OK. Sure. I'll be happy to help you with that. It's not a problem. lemme just get some information from you so I can bring up your account. May I have your first name please?

utterance: Nicole.

utterance: And your last name?

utterance: Gonzalez with a Z.

utterance: OK. Thank you. And your date of birth please?

utterance: Seven one eighty-three.

utterance: Perfect. And what is the PIN number for your account?

utterance: Five five six seven.

utterance: Perfect. All right. Just one moment while all your information populates here. so you said you wanna check your net income for specific dates?

utterance: Yes please.

utterance: OK.

utterance: All right. So let me go ahead and go to that part of your account here. And then where I go to enter the date. All right. And which time period would you like to check on?

utterance: OK. For the month of March twenty twenty-one.

utterance: OK. All right. One moment while I bring that up. March twenty twenty-one. OK. All right. So it looks like for the month of March you had a total net income of a hundred and twenty-four thousand five hundred and sixty-seven.

utterance: Mm. OK. Great. Thank you.

utterance: OK. You're welcome. And any other time periods you need to need me to check for you today Ms. Gonzalez?

utterance: Yes. I actually have a few that I need to update and double check some records please.

utterance: OK. That's no problem. what is the other time period to start?

utterance: OK. I I need to find out the net income for January of twenty twenty to June of twenty twenty.

utterance: OK. All right. I'm gonna put those dates in here. January twenty twenty to June of twenty twenty. It's populating. OK. So that looks like from June of twenty twenty to or January twenty twenty to June of twenty twenty a total net income of seven hundred and fifty-one thousand three hundred and three hundred and forty-five dollars.

utterance: All righty. Thank you. And I just have a few more if that's OK.

utterance: OK. That's no problem. What's the next one?

utterance: November of twenty twenty.

utterance: All right. November of twenty twenty. Looks like a hundred and three thousand four hundred and fifty dollars.

utterance: OK. And December of twenty twenty.

utterance: It is a hundred and fifty-four thousand six hundred and seventy-five.

utterance: OK. And lastly, the total for the year of two thousand nineteen.

utterance: OK. Perfect. So I'll put January two thousand nineteen to December thirty-first two thousand nineteen. Oh. Had a great year that year. Congratulations. looks like it was one point nine five million dollars.

utterance: Oh, wow. Great. Thank you so much for all of your help.

utterance: No problem.

utterance: is there a way to do all of this online?

utterance: As a matter of fact, There.

utterance: And.

utterance: Is there an app that I can download? Sorry for that being. It just hit me.

utterance: Oh no.

utterance: No, yeah. No, it's fine. yes. Yes to both of your questions. you can do either online at Intellibank dot com or you can download the Intellibank app. you create a username and password. They're gonna ask you for some personal and banking information just for verification purposes. so just make sure you have your banking info available when you're creating an online account. in there, there should be an option for you to view statements for each month. when you pull up the statements, you'll be able to see the net income for each month. And then I believe there's also an option there to view the yearly net income as well for each year as well as the month. So it should prove pretty useful for you okay?

utterance: Thank you so much. I'll definitely have to check that out.

utterance: All right. You're very welcome. And is there anything else I can assist you with today?

utterance: no. Thank you. That was a lot. I appreciate all of your help.

utterance: You're very welcome and thank you for calling Intellibank. You have a great day.

utterance: You too. Thank you.

utterance: Thank you. Bye bye.


utterance: Hi, this is Danny Brooks at Intellibank, how can I help you today?

utterance: Hi, my name is Ricky.

utterance: Hi Ricky.

utterance: I'm calling because I'll like to speak to a financial advisor. I I have a business I have a business account with you and I'm looking to to add investment into my account and I just wanna you know make sure I I run it by a financial advisor to make sure you know, it makes sense, and make sure it's something feasible. Is there anybody handy that I that I can talk to only have a few questions?

utterance: I would love to get that set up for you. Can I start by getting your first name and your date of birth?

utterance: Absolutely. Absolutely. so my my my date of birth is three twenty-seven eighty-two.

utterance: Three twenty-seven nineteen eighty-two. And can I get your your name?

utterance: Yes. So my name that you're you're you're asking for is is so is Ricardo Ricky, Ricky short for for Ricardo. and last name is Flores.

utterance: Ricardo Flores, and is that Flores with an S or a Z?

utterance: It's with an S.

utterance: OK great. so I'm gonna go ahead and pull up your account. Can I grab your credit card number for you?

utterance: Yeah, absolutely absolutely. so actually I just got a new card because I I I lost my old one I was you know, I was riding a bird scooter lot of fun but then I lost my wallet lost my card had to get a new one so I just got a new card so I'm not too familiar with this number so let me pull it up. Oh here it is here it is. It's four six eight four four one four five six five three zero four three.

utterance: OK and just to confirm that is four six eight four four one four five six three zero four three.

utterance: That's correct.

utterance: OK great. So before we can proceed I just need to verify some information for the security of your account.

utterance: OK yeah.

utterance: OK, can I go ahead and get your PIN from you?

utterance: Yeah yeah yeah, the PIN is just ten twenty-nine.

utterance: Ten twenty-nine OK great, and just the last step is I need to ask you just a few security questions that you set up when you created your account.

utterance: OK.

utterance: So what is your favorite food?

utterance: My favorite food has to be Ethiopian food.

utterance: OK great and what city did you meet your spouse?

utterance: we met in Black Rock City.

utterance: OK. OK great. I am pulling up your account right now. OK, I've your information in front of me and so today you were looking to speak with one of our financial advisors, right?

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

utterance: OK, let me pull up the scheduler. Did you have a specific day you were looking to speak to someone?

utterance: today if not today, tomorrow, the sooner the better. But I mean it's it's not like an emergency but you know.

utterance: OK. Let me.

utterance: OK let me check today. OK, so we do have one available spot left today it's at five-thirty p.m..

utterance: OK, I I can do that. I'll be I'll be available.

utterance: OK, so I'm scheduling you for five-thirty and how'd you like this conversation happen? Would you like us to email you, give you a phone call, or would you like to come in in person?

utterance: I think phone call would be best.

utterance: OK great, what's the best number to reach you at?

utterance: you can reach me at six seven eight seven three three six seven eight nine.

utterance: OK, so you said six seven eight seven three three six seven eight nine.

utterance: Yes.

utterance: OK great. So I would have someone give you a call, one of our advisors at four thirty at that number. So let me see. You should be receiving a call from Dominic Marquez.

utterance: OK.

utterance: so that's in the system you're ready to go. Do you have any other questions for me?

utterance: No, and and and Dominic is a financial advisor?

utterance: Yes, he's one of our senior financial advisors. So you're in very good hands.

utterance: OK, and so he'll be able

utterance: OK so he'll be able to take care of of pretty much answer all of my questions.

utterance: Mhm.

utterance: OK no that that's great that's great and would you mind just sending me like like a like an email? Just like a reminder

utterance: Yes, of course.

utterance: is. Would you like us to send it to the email on file?

utterance: Please the one on file.

utterance: Ok, and that is let me see Oh actually the subject field is blank can you go ahead and verify that for me?

utterance: Oh yeah it's it's O G C at company dot com.

utterance: O G C at company dot com. OK, that's in there and you should be getting a confirmation soon.

utterance: Oh, thank you so much.

utterance: OK, is there anything else I can help with?

utterance: No that's it.

utterance: OK great you have a good day.

utterance: You too.

utterance: Thank you.


utterance: This is Nora, thank you for calling Intellibank. How can I help you?

utterance: Hey Nora?

utterance: Yes.

utterance: OK. Hey how how are you doing?

utterance: I'm doing well, how are you?

utterance: Doing good. I was in the market for a loan for my business and I was I was getting some information about this SBA I think it's called a five oh four loan? wondering if you could just tell me a little bit more about it you you know you hear things from people, you don't know this and that, you're not a hundred percent sure. And you just you just you figure it's better just to go right to the source and figure if it's the the right thing for you and your business. So I'm coming to you, Nora, and I'm asking. Explain to me please, the SBA five oh four loan.

utterance: OK.

utterance: Sure. So the SBA five oh four, it's a small business administration loan and it's specifically for real estate where the government assumes some of the risk for the bank.

utterance: OK.

utterance: So it's easier to get than some other loans.

utterance: OK.

utterance: And it has better terms than the non SBA loans.

utterance: Hmm.

utterance: Basically. So does that sound like something that would suit you?

utterance: it does. It Yeah definitely, for sure. And I I think would I be able to to talk to you about getting an application started for this? Or.

utterance: OK.

utterance: OK.

utterance: Absolutely, yes. I can totally start your application right now if you have about like five to ten minutes I just need to ask you a little. Like a series of questions.

utterance: Yeah, I I have all the answers, I have multiple answers. So whatever whatever you need from me.

utterance: Sometime. Oh.

utterance: OK.

utterance: OK great. .

utterance: Name.

utterance: Address, phone number, serial number, social number. What do you need?

utterance: s~

utterance: OK so let's get your first and last name.

utterance: Oh it's Stephen Thomas.

utterance: Thomas is that T H O M S?

utterance: M A S.

utterance: Oh, I'm sorry. M A S, of course. And what is your date of birth?

utterance: It's four fourteen nineteen eighty.

utterance: OK and what's your personal street address?

utterance: It's two seven six.

utterance: Mhm.

utterance: Hampton Road.

utterance: And what is the city?

utterance: It's Upper Darby, Pennsylvania.

utterance: OK and the ZIP?

utterance: One nine oh eight two.

utterance: OK and what is your social?

utterance: The social is one seven one. Eight two seven three six eight.

utterance: Mhm.

utterance: OK and Mr. Thomas do you have your driver's license number on you?

utterance: yes I do.

utterance: OK.

utterance: OK. That is two two.

utterance: Mhm.

utterance: Oh.

utterance: OK.

utterance: Six three.

utterance: Mhm.

utterance: Four nine one.

utterance: And what is the state that is issued from?

utterance: That's Pennsylvania.

utterance: OK and what is your PIN number?

utterance: The PIN is one four eight zero.

utterance: And may I have your email address?

utterance: The email is S Thomas Nineteen eighty at Gmail dot com.

utterance: Mhm.

utterance: And is the S capitalized?

utterance: Yes it is.

utterance: OK and what is your business name?

utterance: The business name is Thomas Enterprises.

utterance: And are you the sole owner?

utterance: I am.

utterance: OK. OK and what what date was your business established?

utterance: It was October twenty-first Or I'm sorry two thousand and ten.

utterance: Mhm.

utterance: OK and what are your gross annual sales?

utterance: gross sales is a hundred and fifty thousand.

utterance: And if you happen to have your tax ID number on you.

utterance: I do. OK. It's three one. Eight one. Seven five six three two.

utterance: OK.

utterance: Mhm.

utterance: OK.

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

utterance: I I was just about to say do you need the business address? We~

utterance: Oh! OK you know exactly what I'm gonna ask.

utterance: OK so the business address is thirteen eighty-five It's Long Lane. and that's Drexel Hill.

utterance: Mhm.

utterance: OK.

utterance: Mhm.

utterance: Pennsylvania. and the ZIP code is one nine oh two six.

utterance: Mhm.

utterance: OK. And where would you like.

utterance: Do you need a business phone number? Do you need.

utterance: Not right now, thank you. I do wanna know where would you like your mail sent to? The business or the personal address?

utterance: the business please.

utterance: OK and what would you say the loan purpose is?

utterance: well there there's like multiple things I I would like to do with it but it's a lot of real estate things I wanna get into with the business.

utterance: OK and what would be the loan amount?

utterance: I'm thinking a hundred and fifty thousand.

utterance: OK. And what down payment would you be able to put down on that?

utterance: Twenty percent.

utterance: Mm OK. Perfect. OK so what I'm gonna do right now is I'm gonna send you a link to your email I want you to click on that link. We're gonna need your. A copy of your business license and if you have like an EIN number anything from IRS we can use to prove that it is your business.

utterance: OK.

utterance: OK.

utterance: And just upload that through that link so we can start the process. Your application's already started in our portal so if you do that right away it'll take forty-two to seventy-eight hours to get back to you with an answer so you know I definitely advise you to to go and do that immediately so we can get started. And if you have any questions or any problems just call us back right away, we're here to help. Our customer service line is open until eight p.m. eastern. So I. We're ready to go with this, your application's already activated and is there anything else I can help you with while you're on the line?

utterance: I think that's everything.

utterance: OK great. All right well so we'll be hearing. You'll be hearing from us soon one more thing though we do like to contact you through email but just in case there's any kind of discrepancy what is a good number for us to reach you at?

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

utterance: Mhm.

utterance: Mhm.

utterance: Three three one five.

utterance: OK.

utterance: OK perfect. All right well you take care and have a great evening, we'll talk to you soon.

utterance: Thank you, you too.

utterance: Bye bye.


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

utterance: Yeah, so I'm thinking about buying some White Sail stock, but I'm not sure if it's worth it.

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

utterance: It's Jill Baker.

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

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

utterance: OK, Jill. So you're thinking about buying some stock, but you aren't sure if it's the right investment. Is that right?

utterance: Yes. That's basically it.

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

utterance: Yeah. Can you do that for me?

utterance: Yeah, I can. I just need to get some information from you real quick. Jill, what is your account number?

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

utterance: OK, Jill, and what is the name of the business?

utterance: It's Johnson Controls.

utterance: All right, Jill. What is your date of birth and social security number?

utterance: That's March second of nineteen eighty, and it's seven three eight zero two zero seven eight three.

utterance: OK, and it looks like your account has a four digit PIN number on it for security purposes. Could you also tell me what that PIN number is?

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

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

utterance: It's Kansas City, and it's Missouri.

utterance: OK, what is your street address?

utterance: It's five three nine Houghton Road. And it's seven three eight two zero ZIP code.

utterance: All right, Jill. And can I confirm an email address for you?

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

utterance: All right, so you're wanting to purchase stock for White Sail. Is that correct, Jill?

utterance: Yeah, I am. That's true.

utterance: OK, Jill. What is the stock symbol for them?

utterance: So it's F F I V, I believe. Yeah, F F I V. That's correct. Yes.

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

utterance: Can you tell me the quarterly earnings for that?

utterance: Yeah. So it looks like it has growth in revenue, profit, cash generation, and dividends for the past nine weeks. And it currently has a high return of about forty percent. Jill, were you interested in buying any of these shares?

utterance: No. I I don't think so. Not right now. It was just. I just wanted to know if it was worth it. I had a lot of questions, and basically, I wasn't getting any answers on online when I looked it up.

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

utterance: OK. I do think I'll buy eventually or just. I'm headed out of town tomorrow, and I'll be gone for a few weeks. So I just. I may need to keep an eye on it while I'm gone just to see if if it escalates or, you know, if there's anything that really prompts me to buy it.

utterance: I totally understand. I I hope you enjoy your trip.

utterance: Well, I'm actually headed out of town for a funeral, so it's not really a trip, per se. But but thank you.

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

utterance: It's OK. It was actually an aunt, and I only met her once. but she didn't have any children, so they asked to to come and tasked me with closing up her estate and making funeral arrangements. It's it's really a little bit strange since I didn't really know her, but but you know.

utterance: Yeah, that sounds like it's probably very hard. again, I'm. I'm very sorry for your loss.

utterance: Yeah, I'm not really sure how to. How to take it all in or or how to get it all sorted through, but you know, with running a business, the activities here, and with what I'm doing there, I just don't know that I'm gonna have a lot of time to add babysitting a stock to that. So I don't know if I'll purchase right now, but I'm definitely curious about it in the long run.

utterance: Yeah. I totally understand that, Jill. if when you get back you decide you want to look more into this stock or any stock, then please give us a call back. we can either purchase that stock for you over the phone, or we can get you connected with one of financial advisors who might be able to answer some more questions for you. was there anything else that you may need from me today?

utterance: No. Well, actually, so can you kind of go through the process of with me for how to purchase one, like what do I need to do if I wanted to purchase later on? I know you said call you, but do I need to provide anything?

utterance: no. So basically, if you want to do it over the phone, we'll take the initial step like we did for me today, your account number, just your verification of PIN, birth date, that kind of stuff. We'll verify basically some account information. then you'll give us the symbol code for the the stock that you want to purchase. If you don't know what that symbol code is, we can look that up for you. and then we'll just go about purchasing however many shares you want. if you need more detailed information like you did today with finding out how much each of those shares is, we can provide you with all of that. But that'd be basically the the sum of what we needed from you. And then after you make that purchase, we just have to arrange somehow for you to pay for that purchase, whether it comes out of your Intellibank checking or out of an outside banking system. And we'll set that up for you, get those purchased. And then we'll email you over a disclosure. And you'll get this disclosure basically saying that you've agreed to the purchase of however many shares. And once you agree to that disclosure, and it's just a. It's almost like a virtual signature. You just basically select, put your login information and your PIN number in there from from the bank. and then we process those shares for you, and they belong to you. Just have to kind of keep them up. We have actually on through our Intellibanking online system, we have an option where you can kind of monitor those and monitor the fluctuation of the shares that you have stock in too. So it's it's kind of a cool thing. I don't know if you've ever purchased shares with us before. But, I mean, we give you a lot of information, and we do a lot of monitoring of those. Of those shares for you and the stocks for you.

utterance: OK, that's really great. Then I think I might try to schedule something with an advisor when I get back.

utterance: All right, Jill. Well, that's. That's great. If there's anything else I can help you with today, just let me know, OK?

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

utterance: No problem, Jill. Thank you for choosing Intellibank. And and you be careful on your trip, OK?


utterance: Hi, this is Beth Park at Intellibank. How can I help you today?

utterance: Hi, Beth. How are you?

utterance: I'm doing well, thank you for asking. How are you today?

utterance: I'm all right, I mean, I could be better. My name is Samuel.

utterance: OK.

utterance: Knox.

utterance: Hi, Samuel.

utterance: so I thought I scheduled loan payment through my profile online. And I I submitted it, I was certain that it went through. I guess, it didn't go through. And so then I got a late fee. it's like a seven five dollar late fee. and and so yeah, it's kinda irritating cause I I swear on my end it looked like it processed. But now I have this tricking fee. And like I. It's just super annoying, like I I already like pay a monthly fee to bank with y'all, and I'm getting this like unnecessary fee and it's just absolutely frustrating, like I might just I don't know but I'm I'm just a bit irritated.

utterance: Oh my goodness, I'm sorry to hear that. I would definitely be frustrated if I were you as well. So I do wanna go ahead and apologize that you had so much problems with our online system. I can go ahead and help you out with that today, so you wanted to go ahead and schedule a loan payment and.

utterance: Yeah. Oh, one more thing I'd like to do. Can. Since since we're doing this right now, could I just also get the net income?

utterance: yeah. I'd be more than happy to help you out with both of those things today.

utterance: Yeah.

utterance: And that I just don't want any more I don't want any more fees. Like I just don't. I'm not a fan of fees. Are are you a fan of fees?

utterance: Definitely not. I can understand your frustration, so let me go ahead and get you squared away on both of those things. Can I start by getting your full name and your date of birth, please?

utterance: My first name is Samuel.

utterance: Samuel, OK.

utterance: My last name is Knox. K N O X.

utterance: OK, and your date of birth?

utterance: Date of birth is seven seventeen eighty-seven.

utterance: Seven seventeen eighty-seven.

utterance: Yes.

utterance: OK, great, Samuel. I am gonna go ahead and pull up your account. Can I start by getting the credit card number that you have on file?

utterance: Yes, can you hold on a second?

utterance: Of course, take your time.

utterance: All right, thank you. All right yeah, I'm back. Sorry for making you wait.

utterance: That's OK, I'm ready whenever you are.

utterance: It's seventy-six forty-four zero seven one two three nine four six zero zero five zero.

utterance: OK, and just to confirm that was seven six four four zero seven one two three nine four six zero zero five zero.

utterance: Yes.

utterance: OK, great, Samuel. I am gonna go ahead and pull up your account up. Before we can proceed any further, I do need to ask you a security question for the safety of your account.

utterance: OK, whatever you need to know.

utterance: Sure, can I just go ahead and get your PIN number, please?

utterance: My PIN? Is that that's the four digit code?

utterance: Yes, four digits.

utterance: OK, so it's three three nine one.

utterance: Three three nine one. OK, great. And you said today you wanted to start by scheduling a loan payment, correct?

utterance: Yeah.

utterance: OK, great, can I go ahead and get the loan account number, please?

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

utterance: Seven four three six nine one two. OK, and can I get the bank account number that you want the payment to come out of?

utterance: so the. It's a Wells Fargo account. The the number for this account is one one three seven two nine five eight. It's a it's a checking account.

utterance: OK.

utterance: OK, one one three seven two nine five eight. And can I also go ahead and get the routing number for this account?

utterance: Yeah, it's six six four five one seven zero zero seven two.

utterance: OK. OK, that was six six four five one seven zero zero seven two, correct?

utterance: Yeah.

utterance: OK, great. And what day did you want that payment to be processed?

utterance: honestly today. I just don't wanna accrue. Yeah, I don't wanna accrue any more.

utterance: Today. OK.

utterance: Of course, I completely understand. So.

utterance: Right.

utterance: OK.

utterance: So I'm gonna go ahead and schedule that for today. OK? so you should be receiving an email shortly with your receipt. And you also mentioned that you wanted to go ahead and get your net income, correct?

utterance: Thank you.

utterance: Yeah, could you provide that for me?

utterance: Yes, I'd be more than happy to do that. So what time period did you want to get your net income for, the whole year or.

utterance: Yeah.

utterance: Twenty twenty-one.

utterance: Twenty twenty-one. OK, give me just one second to generate that.

utterance: Yeah.

utterance: Thank you.

utterance: Of course. OK, so it looks like your net income was seventy-eight thousand two hundred and fifty dollars.

utterance: OK, OK, great, could you also send that to my email?

utterance: Yes, I can go ahead and do it. And just to just to clarify it's the email that you have on on your account? It's Samuel Knox at Gmail dot com.

utterance: That's it.

utterance: OK, great, Samuel. I did go ahead and sent that there too. So both of your emails for your your loan statement sorry your loan payment and your net income. Both of those should be coming to you shortly. Is there anything else I can help you out with today?

utterance: That's it.

utterance: OK, thank you and have a lovely day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


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

utterance: yes, can you look at my credit card account and tell me my balance please. I am I am in line at the grocery store and it's going to be a while before I can get out of while I wait.

utterance: Absolutely, sir. I can go ahead and look up that credit card balance for you, but first I need to get a just a little bit of information from you so I can look up your account if you don't mind.

utterance: I don't mind.

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

utterance: Yes, my first name is William.

utterance: And your last name, sir?

utterance: Grayson.

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

utterance: Yes. My date of birth is five twelve nineteen seventy-four and my social security, just in case you need it, is four three two eighty-six thirty-nine sixty-nine.

utterance: All right. Thank you so much, sir, for giving me that information, I really appreciate that. And could you please give me the PIN that's associated with this account?

utterance: Yes, my PIN number is five five two three.

utterance: All right, fifty-five twenty-three. Yes it looks like that is accurate, sir. All right, thank you very much for authenticating your account with us. Now could you give me the credit card number you would like to look up, please, sir?

utterance: Yes. That credit card number is five two six one five two nine eight two three two three two two zero eight eight.

utterance: OK. So to verify, that number was five two six one, five two nine eight, two three, two three, two zero, eight eight.

utterance: Yes.

utterance: Thank you very much, sir. Could you give me just one moment while I look up your credit account in our system, please?

utterance: I sure can.

utterance: So it looks like this was the wrong day to get my Thanksgiving shopping done. Are you all are you all set for the Thanksgiving?

utterance: yes sir. Well, no, actually no I'm not. I actually still need to buy my turkey.

utterance: Oh, you gotta hurry up and do that, they're selling out.

utterance: I know! I actually purchased everything in advance, but I didn't get the turkey because I was waiting for the sale, so.

utterance: You know what they say, you missed a good sale, you just missed it.

utterance: Oh, yes, sir. well, but once I get out once I get out there I'll go ahead and get that turkey, and then I'll be done. I'll be set.

utterance: All right, that's good.

utterance: All right, sir. I've gone ahead and looked that information up in our system for you. It looks like your current balance due is twenty-two thousand dollars, nine hundred and eighty-five, and your payment due date is usually around the twenty-fourth of this month, and your normal payment won't be due till then. It's looks like it's listed at two fifty-four.

utterance: Oh, two fifty-four?

utterance: Yes, sir.

utterance: OK.

utterance: So you have plenty of time before this payment is due to our system.

utterance: All right.

utterance: OK, is there anything else I can help you with today Mr. Grayson?

utterance: no, that's about it. Is there any way, you got any information about online?

utterance: Oh, yes sir. have you not Have you set up online banking with us, sir?

utterance: I haven't went on there.

utterance: OK sir.

utterance: First you would go to our main brand main online site at Intellibank dot com, first you can access that and the upper right corner we have a tab for our business associates. You would access that tab, and the next page will take you to the our signup page for online banking. They'll walk you through the process. Usually, you need the same type of information you would give us. But there's a little bit more authentication, so you might need your social, an email address and the PIN that you have on file with us, to authenticate your information. Once you've signed up for our online banking, you'll be able to look up your credit card balance due, you can also look up any other business expenses you have with us. Say, for instance, you have a business loan. That will be listed on that site as well, under our information. You can even apply for loans from us, sir. So if you need a term loan or a secured loan, you'll be able to go ahead and process all that information online. You won't have to call in, it'll be a lot more convenient.

utterance: Wow, you explained that perfectly, Cassandra. Wow. thank you very much for that information.

utterance: All right, sir. But you know, you can feel free to call us anytime day or night, we'll still be here for you if you if you wanna look up some information, and you don't wanna access the internet, so you know, we'll we'll go ahead and process that information for you, whenever you need it.

utterance: OK, I sure appreciate it.

utterance: OK, sir. Thank you so much. is there anything else I could do for you, Mr. Grayson?

utterance: That's it. I would like for you to have a good holiday.

utterance: Oh, OK, sir. Well thank you so much and you have a good holiday as well.

utterance: Thank you.

utterance: Thank you for calling.

utterance: OK.

utterance: Bye bye.

utterance: Bye Bye.


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

utterance: Hey Roger. I was just trying to get my finances in order for this month.

utterance: you know, just so I can know how much I have for you know the next step for weeks et cetera.

utterance: So I was just hoping to get my my loan paid.

utterance: You wanted to get your loan paid off or?

utterance: No, I'm sorry. I I need to make a payment on a loan.

utterance: You just want to make one payment on a loan? Yeah, I can process that on the phone for you. What what type of investment loan do you have all this?

utterance: Right.

utterance: It was a. It was a secured loan.

utterance: Secured loan? That should be easy enough to pull up. Let's see.

utterance: Yes.

utterance: Yeah. It was just needed a finance at the time. And thankfully things had picked up since then but I just want to you know finish much off my plate as I can in terms of the obligation, the month.

utterance: I understand, I understand. So first I will need some information for you to log in the account, I need your first and last name.

utterance: Oh yeah, I'm sorry. Michael Phillips.

utterance: Michael Phillips.

utterance: Your date of birth?

utterance: do you need my social too or just the date of birth?

utterance: Oh just your date of birth right now.

utterance: April thirteenth nineteen eighty.

utterance: Got it. And your PIN number that's the four to eight digit number.

utterance: The PIN is three zero three zero two.

utterance: Three zero three zero two.

utterance: Will also need your loan account number.

utterance: My loan account number.

utterance: Jeez OK. let me put you on hold for a second.

utterance: Absolutely. Take your time.

utterance: I'm sorry about that, I'm back. We we recently move until I got the boxes in one room, it should be in the opposite room. And I have not the chance to.

utterance: I understand I just move myself about six months ago.

utterance: Oh yeah. You know how it is, this stuff is not where it suppose to be yet.

utterance: OK, so yeah. The the loan account .

utterance: I'm looking for that loan account number.

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

utterance: All right. And I will also need the payment bank account number of the account you are paying from.

utterance: Right. That's one seven eight four three four six four.

utterance: OK. And a payment routing number.

utterance: Payment routing number do you. Is that the bank location?

utterance: That's the routing number, it's usually is a six digit.

utterance: Oh yeah, I.

utterance: Know. I'm sorry sorry, that was. Sorry. Yeah the my number is four two three zero three three five four.

utterance: OK.

utterance: All right. Just accessing both those account so they can interact with each other. And that is the secured loan like you verified with me earlier.

utterance: OK.

utterance: OK. So for which date would you like to schedule this payment?

utterance: on the twelve of this month.

utterance: On the twelfth of this month.

utterance: Do I just schedule one at a time or can I do multiple payments at a time?

utterance: You could set up recurring payments. But it will just be a singular payment right now if you wanted to set it up for the twelfth.

utterance: Recurring yeah.

utterance: OK, yeah. Let's do the twelfth then.

utterance: OK.

utterance: And you could also set those up online or through a mobile app if you wanted to set up recurring payments .

utterance: You don't have to worry each month. I'll just do it for you.

utterance: OK.

utterance: OK. for the twelfth of each month now.

utterance: Just so you know the current balance on that is twenty-seven thousand dollars and fourteen cents. So how much of that would you like to pay off right now?

utterance: Eight hundred.

utterance: Sorry, just so I can correct myself, not right now. On the twelfth like you.

utterance: yeah.

utterance: Eight hundred.

utterance: Yes, eight hundred dollars. Eight hundred even?

utterance: Yes.

utterance: OK, I will process that payment for you right away. You will receive a verification email could be immediately or if not, it'll be the next two to three minutes after this call. If you not receive that email, let us know and we can email you again.

utterance: But that payment should go through on the twelfth. Anything else I can help you with?

utterance: no. I think that's it.

utterance: OK. Thank you for calling Intellibank.

utterance: Bye.


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

utterance: Hi Richard.

utterance: Hey.

utterance: My name is Sochina.

utterance: Sochina?

utterance: Yes.

utterance: Sochina.

utterance: Yeah.

utterance: What can I do for you today Sochina?

utterance: Well I think I think there's one main reason I'm calling.

utterance: OK.

utterance: And I just would like to update my phone number.

utterance: OK.

utterance: Mhm.

utterance: Update phone number. Can I get your full name?

utterance: Sochina Chimparosa.

utterance: Sochina say again?

utterance: I'm sorry what?

utterance: Your name?

utterance: Sochina Chimparosa.

utterance: Chimparosa?

utterance: Yeah I was just listening to a really funny podcast right before I called and some of the jokes were replaying themselves in my head.

utterance: Oh that's.

utterance: Funny. I love when that happens in real life.

utterance: Yeah and then you just laugh and people wonder why.

utterance: Yeah.

utterance: That happens to you too?

utterance: Hap~

utterance: Happens to me all the time.

utterance: Oh cool.

utterance: Well Sochina Chimparosa may I get your account number.

utterance: OK. seven one two three three three four six nine nine.

utterance: All right. And may I get your your last four.

utterance: Of my social security number?

utterance: Yes.

utterance: One two six zero. Do you ever listen to Joe Rogan's podcast?

utterance: I don't no.

utterance: Do you

utterance: Know who Joe Rogan is?

utterance: I know I think I knew him. Wasn't he. Didn't he work at the grocery story back on the corner of Main and Martinez.

utterance: Yeah I think he did at one point is his life before he was a comedian and podcast host and worked for UFC.

utterance: Oh yeah.

utterance: Oh.

utterance: We must be talking about the the two different guys because the guy I know is in jail right now.

utterance: Oh.

utterance: Or is that Joe Joe Pogan. Who knows. let's see. You wanted to change your phone number?

utterance: Pogan.

utterance: Oh yes please. Thank you.

utterance: So the phone number I have on file is nine two nine nine nine two two nine nine two.

utterance: Mhm.

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

utterance: Yeah I changed my phone number so.

utterance: Oh you did it already?

utterance: Oh no I changed it. That's why I need to update it here.

utterance: OK.

utterance: What's your new phone number?

utterance: Six three zero.

utterance: Six three zero.

utterance: Four two nine.

utterance: Four two nine.

utterance: Seven one two two.

utterance: Seven one two two.

utterance: Yeah.

utterance: All right. Six three zero four two nine seven one two two.

utterance: Mhm.

utterance: All right then. We are all updated.

utterance: So I was also wondering what types of loans are available through through my bank.

utterance: Sure we have the SBA seven loan which is an incredible loan for businesses.

utterance: Uh-huh.

utterance: It is? It's for a small business.

utterance: Yeah, for a small business.

utterance: You think that's

utterance: A solid loan for a small business?

utterance: You could even do the SPA five oh four loan. You get even more money on that one.

utterance: More money?

utterance: Yeah.

utterance: What about the interest?

utterance: the interest is higher but you get more money. Oh it's only about like forty-five percent higher.

utterance: How much higher?

utterance: That's pretty high.

utterance: Well it depends on your outlook on life you know.

utterance: Forty-five percent I think is like about half. Which is like probably a really high interest regardless of what your outlook on life is.

utterance: Oh.

utterance: Well would you say I'm wrong?

utterance: Well our interest rate for the SPA seven loan is at seven percent.

utterance: That's all like a really big difference.

utterance: And the SPA five oh four is at fourteen percent.

utterance: I thought you said forty-five.

utterance: I I it was forty-five percent higher.

utterance: Oh. OK. That makes a little bit more sense. Are those the only two loan options you offer?

utterance: we also have a real estate loan if you're interested in getting real estate.

utterance: Mm. OK. Things to consider I suppose. I would like to sign up for the seven loan I think.

utterance: All right. Great. Let's see if you qualify. Can I get did I ask for your social already?

utterance: You certainly did.

utterance: OK. Let's type it all in. Do do do. Sochina Chimparosa. It looks like you do qualify. I can transfer you over to financial advisor and handles loans. And they will be able to help you from there.

utterance: Mm.

utterance: OK that sounds great.

utterance: Perfect. Is there anything else I can do on my end?

utterance: Let's see. We did successfully change the phone number just to double check that. Right? All right. So considering we got that done I'd say you have done everything for me today.

utterance: Yes.

utterance: OK bye.


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

utterance: Yes, I got an notice from the post office about my statement because it was sent to the wrong address.

utterance: OK, well certainly regret that the statement was sent to the incorrect address. let me pull up your account and see if we have the correct information on file. if I could just ask ma'am, what is your first and last name?

utterance: Evelyn Richards.

utterance: OK, and Ms. Richards, if I could ask what is the name of the business that has an account with us on file?

utterance: John's Bed and Bath.

utterance: OK. Thank you for that. And I'm gonna ask you a few questions here Ms. Richards in order to verify your account. Here at Intellibank we do take your account security very seriously and it is for your and your business's protection. Is it all right if I ask a few questions to verify your account?

utterance: Yes, it's fine.

utterance: All right. And Ms. Richards, if I could ask what is your date of birth?

utterance: It's eleven eleven eighty-four and my phone number is six seven eight two zero two four two five three. You know, we moved and, you know, changed locations.

utterance: OK. Understand, understand. And again it sounds as if, Ms. Richards, we might need to go ahead and simply update the address that's on file because if you've moved to a different location it probably is the case, particularly if the post office forwarded your statement. That will go ahead and just update that so that we can make sure that this error doesn't occur again.

utterance: Yes, thank you. I apologize I didn't call and get that changed before today.

utterance: Oh, not a problem at all. We're more than happy to assist you with this now, Ms. Richards. And let me just ask also again as we verify your account, what is your account number?

utterance: Account number is nine eight four six five nine.

utterance: OK, and Ms. Richards, what is the PIN number for your account?

utterance: Ten seventeen.

utterance: OK, and one other question. what's the email for the account?

utterance: Well, I don't know which one you have. E dot Richards at Mail dot net, E Richards at B JBB dot com.

utterance: OK yes, Ms. Richards, it appears we have the second one. E dot Richards at JBB dot com. that's the one that we have on file.

utterance: OK, thank you so much. You know, I end of the year such a lot going on, the end of the month, so you know we're just so busy tryna get some things taken care of.

utterance: Not a problem at all and you mentioned that your date of birth was. you gave me your phone number and your date of birth was eleven eleven eighty-four, was that right?

utterance: Right, and six seven eight two oh two four two five three.

utterance: OK. you're you know, Ms. Richards you mentioned that it was the end of the month, you said?

utterance: End of the month and end of the year, so a lot of little things and a lot going on, you know, right now. Good things of course. But it's a busy time.

utterance: Yeah, you're right. it's certainly the end of the month and I know a lot of companies are doing their end of month inventory and getting their books settled for the month, so is it pretty busy round your parts?

utterance: Oh yes, very busy. It's a good thing. That's means we're making money.

utterance: well, that's I I guess that's a I don't know if it's a good problem or just good.

utterance: It's a good. It's both. And and and also the customers, you know, our wonderful customers. But yes.

utterance: There you go, there you go. Well, Ms. Richards I was able to pull up the account and let me just ask what was the old address? let me see here. I think the old address, as I pull it up here, that we have on file is ten seventy-five Lehman's Court, Smyrna, Georgia, three zero zero zero two. That's the current address that we have on file. Is that the is that the one that you want to change?

utterance: Yes, it is.

utterance: OK, and if you could let me know what is the new street address for your business?

utterance: One forty-one Oakwood Avenue.

utterance: OK, that's one four one Oakwood Avenue?

utterance: Yes.

utterance: And what's the city and state?

utterance: Avondale Estates, Georgia.

utterance: OK, that's Avondale Estates, Georgia, and what's the ZIP code, ma'am?

utterance: Three zero zero zero two.

utterance: That's three zero zero zero two?

utterance: Right.

utterance: OK, thank you for that, Ms. Richards. And let me see if I can get this updated here in our system. And while this is updating, Ms. Richards, are you aware at all of our online banking?

utterance: Yes.

utterance: OK, fantastic. If you are, as you are aware, you can simply go online and when you go online, you actually could update your address right there online with us, so you don't even have to call in to update your address, your phone numbers, your email addresses, to check your account balances or anything of that nature. Just so that you are aware. Although, we are more than happy to assist you when you give a call here at the helpline.

utterance: All right, well thank you very much. I needed to get those that information so I can see all the information that I can get, you know, to look at for the things I need.

utterance: No concern at all, Ms. Richards, and just so that you know, we've gone ahead and I can state that we've gotten your address updated in our system and we're all set to go on our end and, moving forward, your statements will arrive at the new address there at Avondale Estates.

utterance: OK, great. Well, thank you very much.

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

utterance: No, not nothing else for today.

utterance: All right, well Ms. Richards, we certainly do value and appreciate your business here at Intellibank and you have a fantastic rest of your day.

utterance: Well thank you, you as well.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Robert, I have two things I wanna talk about today. I am looking for the FAQ required business documentation I would like to possibly open up another account or take out a loan, and also I would like the consumer price index.

utterance: OK, not a problem at all. So as I understand it you already have an account with us?

utterance: I do.

utterance: OK, and I'm just gonna need your full first and last name as it appears on your account in order to start this process.

utterance: All right, my name is Thomas Jason Freed.

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

utterance: March sixth, nineteen eighty-eight.

utterance: And what is your four digit pin?

utterance: Two zero eight seven.

utterance: And what is your six digit account number?

utterance: Five five two Five eight nine.

utterance: All right Give me just a moment while the system loads.

utterance: All right how long does it usually take for it to load?

utterance: You know, anywhere between instantaneously, and unfortunately I've have it take as long as twenty five minutes.

utterance: I don't have twenty five minutes, just so you know.

utterance: sorry about that, let's see how long it takes here.

utterance: All right.

utterance: Still not Still not there?

utterance: Still loading, I am sorry about that.

utterance: OK, I mean, we haven't even finished the first thing yet.

utterance: No, I am, I'm very very sorry about that. Hope you don't mind, I'm gonna have a little of my protein bar while we're waiting.

utterance: are you that's allowed? You can do that?

utterance: These are the only times I have to eat. Is while I'm waiting for the system to load and they don't offer us breaks here at Intellibank.

utterance: Uh-huh.

utterance: I understand that, but just as a customer I don't wanna hear somebody eating on the phone and I don't think your boss or employers, you're a major bank, I don't think you'd want they would want that either.

utterance: I can put you on mute if you would like?

utterance: Yeah, could you do that?

utterance: Sure.

utterance: what the hell.

utterance: OK, sorry for your frustrations, your account is pulled up.

utterance: OK.

utterance: OK,

utterance: Yeah.

utterance: You're moving very slow, the I don't know. Are you? Did you come into work today in a state that you're able to work?

utterance: I I just realized that I actually didn't need to ask you for any of that information because what you asked me for we didn't even need with your account but we're gonna go ahead and wrap. I I gotcha. It's taken care of. OK, let's get back to business here.

utterance: You're not making any sense.

utterance: So for the A A F the FAQ required business documents.

utterance: Uh-huh.

utterance: So what we're gonna need.

utterance: Yeah.

utterance: Is we're gonna need you to print out.

utterance: I gotta print something out in two thousand and twenty-one?

utterance: You gotta.

utterance: Unless you have multiple copies of it already.

utterance: Maybe I have it but, look I told you five minutes ago I don't have twenty-five minutes and you're already leaning in that direction. Can we just give me that information about the documentation and then can we get this CPI and then get me outta here?

utterance: Absolutely, sorry about that.

utterance: And can you not.

utterance: Eat anymore?

utterance: I cannot guarantee that. so you're gonna need a copy of your business license.

utterance: Great.

utterance: copies of two years of personal tax returns. copies of two years of business tax returns and two years of year end financial statements. Got that?

utterance: Yes.

utterance: All right. And what category were you looking to look up for the consumer price index?

utterance: Food, ironically.

utterance: And the time period?

utterance: The last two quarters.

utterance: All right, that would be twenty percent.

utterance: Great.

utterance: Anything else I can help you with today?

utterance: That'll.

utterance: Do it.

utterance: All right, well I'm sorry that you seem dissatisfied with your call, I hope that you have a lovely rest of your day and thank you for calling Intellibank.

utterance: Uh-huh, do better.

utterance: bye?


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

utterance: Yes. So, I'm trying to find out where the consumer price index is.

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

utterance: It's Jill Baker.

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

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

utterance: OK, Jill. So, you're wanting to check the consumer price index for the US. Is that correct?

utterance: Yeah, that's right. That's what I'd like if if possible. I don't know if that's something you even do at your bank.

utterance: Yeah, we do. We do do that for our business customers. do you currently have an account with Intellibank?

utterance: I do. I have the Platinum Business Checking Account with y'all.

utterance: OK, so we don't have a Platinum Checking Account here at Intellibank. Jill, could you possibly mean our Preferred Business Checking Account?

utterance: Yes, I'm sorry. That's what I meant. I I get that and my card confused. I have the Platinum card with y'all. So, yes, it's the Preferred. I'm sorry about that.

utterance: No problem at all, Jill. so do you own a business as well?

utterance: I do.

utterance: OK and what kind of goods are sold at your business?

utterance: So, I own Johnson Controls. and it's a medical supplies that we sell, so it's a medical supply place.

utterance: OK and what periods are you wanting to get the price index for?

utterance: Well just twenty twenty if we can. I'm I'm just kind of trying to look and see basically with the escalation and with everything that's kind of happened over the past year. It also you know with everything with the world and the pandemic. I'm just kind of curious how much it's changed. So, it's a little bit for my own piece of mind and just kind of my own curiosity if that makes sense.

utterance: I totally understand. let me look into this for you, OK. Give me just a moment, all right? OK. Do some numbers for ya. So it looks like right now for twenty twenty, the cost of consumer goods sold for medical supplies is around twenty-four percent. and this is one of the highest averages since nineteen ninety-eight. And that surge is, like you said, likely a result of that pandemic where the influx of the medical need that that pandemic has caused. but yeah. It's the highest it's been for quite some time since you know alm- over a decade almost.

utterance: Oh, it's crazy how I was j-. I was telling my sister you know that I thought it was because of COVID and that medical supplies had kinda skyrocketed. But, there's just so many people that have been affected by it. It's just kind of crazy.

utterance: Yeah, it actually surpassed transportation and that doesn't happen very often, so it's it's a lot higher than it's ever been in the past.

utterance: Yeah, I can understand that. With all the COVID restrictions people have had, they haven't traveled much. So, I think it probably makes sense that that it's the highest it's been with the medical, but I appreciate all o- of you trying to help me with it today.

utterance: That's no problem at all. you know if there's anything else we can do for you, I we we'd be happy to run that for you any time, but I also wanna let you know to find out the CPI for anything you can also find that information at the US Bureau of Labor and Statistics website. They also kinda break down each good in each period and give you a pretty detailed explanation to the current index. or you're always welcome to call us back here and we can do that for you too. There's no charge for that for any of our business customers. but I do wanna let you know there's in case just in case there's a time when you reach us during not our non-business hours that you can get that CPI information through US Bureau of Labor and Statistics as well.

utterance: OK, then. So you said it's the Department of Labor?

utterance: No. It's actually the US Bureau of Labor and Statistics. their website is WWW dot BIS dot gov. So it's WWW dot BIS dot gov. And again, they're I mean, it's a pretty easy website to maneuver. There's kind of a breakdown on there you just put in what type of go- goods you sold. There's actually like a pie chart that you can kind of highlight area certain areas that you have as you know that you have certain interest in finding out about that CPI. There's there's a lot of different options on their website to kind of walk you through how to do that.

utterance: OK. I'm sorry. I didn't realize there was a website. I would've went there instead of calling you, so I apologize about that.

utterance: No, it's no big deal at all. I mean, that's what we're here for. We we love to to kind of run that stuff for you and help out our business customers. So n- there's no no worry at all about that. Jill, was there anything else that I could do for you today while you're on while I have you on the phone?

utterance: Well actually, I do have a question regarding the CPI if you'll possibly be able to answer that. But, so another thing that we set out our business is we do services we do equipment-based things but not just necessarily for medical supplies. we also do it as you know electronics guideline if that make sense. So, we'll sell sometimes speakers or things that are not related to the medical field. is there a category for that?

utterance: Yeah. So we do. that would kind of go under other costs of goods that we have for it. so there is there is several different sections, including an other section that they have it listed for that CPI breakdown. If I were just doing it off of the cost of good sold for that, it looks like I mean, it looks like electronics falls into that. So if you're just saying that you've got like some speakers and some things that can be like TVs. Those things that can be kind of universally used obviously they can be used in the medical field for certain certain things as well, but I mean you can Im- imagine that most of it if it's sold within like a Walmart or if it's sold in certain stores where it's not cons- specifically geared towards the medical field that that's probably gonna fall under that cost of goods section sold.

utterance: OK, then. That makes sense. I understand. I appreciate it.

utterance: No problem at all, Jill. was there anything else that I could do for you today?

utterance: No, I think that was everything. I appreciate it.

utterance: All right, Jill. Just wanna thank you for choosing Intellibank. You have a great day.


utterance: Good morning this is Travis speaking in at Intellibank.

utterance: Hey how's it going Travis? So so look I get I've been reading a lot lately in you know various news sources that that waste is a big problem you know especially like unnecessary paper waste and you know I mean do you guys have a big carbon footprint over over where you are?

utterance: What I would say that we do have a mix of paperless and paper driven customers it just kind of depends on what our customers prefer to receive. typically customers of the older generation do prefer physical mail and younger consumers do prefer paperless but you know it's not absolute. But may I ask why you're calling?

utterance: Yeah so so yeah anyway getting to the point I I'm one of the customers I get paper statements and basically those just go right into the trash or the recycling. Even though I'm recycling I mean there still the trucks that come pick the stuff up and figured what's the point? I don't even open them half the time and if I could just change my delivery method to electronic I think that would just save a lot of people have problems and you know it'd obviously be more convenient for me anyway so. I'd like to do that.

utterance: Absolutely. That's something I'd be happy to help you with just first of all could I get your name?

utterance: Yeah my name is Dave.

utterance: OK. Last name?

utterance: Oh sorry Jones. J O N E S.

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

utterance: Date of birth is eleven twenty-five nineteen eighty-six.

utterance: Thank you Mr. Jones and may I get the PIN on your account please?

utterance: hot damn hold on I. You know I just I think I changed my PIN recently and I wrote it down. I'm gonna have to find that real quick.

utterance: Hold on a second.

utterance: That's OK.

utterance: OK I'm back I found it. It was just right here in my you know in the desk drawer here. So it's eight eight five five.

utterance: Thank thank you.

utterance: OK so Mr. Jones it does show that you are currently signed up for traditional paper mail to the address on file. and we'd be happy to assist you in making that paperless. before you do that can we just confirm one more time what the physical address is?

utterance: Yeah my physical address for the business is twenty-three twenty West Avon Street.

utterance: A V O N.

utterance: And the city, state and ZIP code?

utterance: Paris Texas.

utterance: And what's the ZIP code?

utterance: nine eight zero two one.

utterance: OK. Thank you and just so we can confirm paperless delivery it's the email address on file I have that as Dave Jones one two three D A V E J O N E S one two three at Gmail dot com is that correct?

utterance: Yeah that's that is right.

utterance: OK.

utterance: And so you'll be seeing the changes reflected essentially immediately Because your statement receiving date is the twenty-eighth of this month still have a few days left so you will be receiving your next statement via paperless delivery and we'll be stopping traditional paper trail for the statements.

utterance: OK what happens if something messes up and I get both the electronic and the paper statements? Am I gonna be able to report that and to fix that and how long will that take if I do that?

utterance: So you if that if that does happen you can call us back and check your papers paperless delivery settings That's also something you can access on your online banking account it you do have one with us. under statements there's a tab called paperless settings so just make sure that that's checked we did check your check it here for you but just you know sometimes the system can take a little bit to to to update so just let us know.

utterance: OK, sounds great well that's that's awesome. I really appreciate it. I think that's all that I need.

utterance: Great. Well thank you so much Mr. Jones. Thank you so much for banking with us for your small business needs. And hope you have a nice day.