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

utterance: Hey Belinda, how are you doing today?

utterance: I'm doing really great today, how about you?

utterance: I'm doing good. actually, so. Well, I'm doing really so good that I'm tryna do better things for my business

utterance: Oh!

utterance: Talking with some fellow business owners who are friends of mine, like we have a group and we get together like once a month and we all sit down and throw ideas out there to each other and we try to help other and better each other's business. One of them brought up this , we had a meeting last night, that there's different style or types of loans available to which the government is also involved.

utterance: Mhm.

utterance: Mhm.

utterance: So, my business needs a lot of upgrades with equipment and and stuff like that and I was wondering if I can maybe find out more about these loans, or is it easy to apply for?

utterance: Yeah, actually it's funny that you ask because we've had a slew of small business owners come in and and chat with us about, you know, different loan options. And the one that they've all leaned towards and I would recommend for you is the SBA seven A loan.

utterance: OK.

utterance: So, this is a Small Business Administration loan where the government assumes some risk for the bank.

utterance: So it's easier to get. Than some loans. What do you think about that? Would that be something you might wanna explore?

utterance: That

utterance: it actually sounds amazing.

utterance: All right, well if you have some time, we can get your application started right now. If you. OK. Great. So, what is your full name?

utterance: OK.

utterance: my name is Dexter Williams.

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

utterance: August fifth nineteen ninety.

utterance: Mhm.

utterance: OK. And your personal address?

utterance: the personal address is three thirteen.

utterance: Mhm.

utterance: Glendale Road.

utterance: OK.

utterance: And that's in Upper Darby, Pennsylvania.

utterance: OK.

utterance: It's one nine oh eight two.

utterance: All right, and your Social?

utterance: my Social is one seven nine.

utterance: Mhm.

utterance: One one two zero seven six.

utterance: All right. And Mr. Williams, do you happen to have your driver's license number on you?

utterance: I do, just let me grab it real quick.

utterance: OK. Take your time.

utterance: Hang on one

utterance: Sec.

utterance: Sure.

utterance: Trying, you know, it's it's stuck in the little pocket in the wallet. Hang on. I'm trying to pull it out here.

utterance: No problem, take your time.

utterance: OK. It is six nine.

utterance: Mhm.

utterance: Two two five one seven nine.

utterance: Mhm.

utterance: All right.

utterance: And that's

utterance: Pennsylvania.

utterance: Oh thank you. That's what I was just gonna ask. All right. And what is your PIN number?

utterance: the PIN is eight five nine zero.

utterance: And your email address?

utterance: It's Williams Printing.

utterance: Mhm.

utterance: At Gmail dot com.

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

utterance: Williams Printing. Absolutely. Yeah.

utterance: Williams Printing.

utterance: I didn't wanna just assume but, I figured. And Are you the sole owner?

utterance: I am.

utterance: All right. And what date was your business established?

utterance: It was June fifteenth.

utterance: Mhm.

utterance: Twenty sixteen.

utterance: And your gross annual sales?

utterance: ninety thousand a year.

utterance: All right. And do you happen to have your tax ID number on you?

utterance: Oh, I have that as well. Just hang on one sec.

utterance: OK.

utterance: Sure.

utterance: OK, it's oh nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one. Six six three.

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

utterance: the business address is Forty-five.

utterance: Mhm.

utterance: Fifteen Fairfax Drive.

utterance: Mhm.

utterance: And that's in Wilmington, Delaware.

utterance: OK.

utterance: And that's one nine oh eight six.

utterance: All right. And would you like your mail to be sent to the business address?

utterance: Yes, please.

utterance: All right. So, Mr. Williams, would you say that the loan purpose is to expand your business, like what would be your main purpose here?

utterance: yeah, it's kind of expansions slash upgrades.

utterance: OK. And what loan amount are you looking for?

utterance: forty thousand dollars.

utterance: All right. And what about the loan term, like when do you think you could pay that back?

utterance: eight years.

utterance: All right, and what is your down payment percentage?

utterance: ten percent.

utterance: All right. Now, do you happen to have the funding bank account number?

utterance: yes I do.

utterance: OK. Great. I'll take that when you're ready.

utterance: All right, it's zero.

utterance: Mhm.

utterance: Eight eight six.

utterance: OK.

utterance: One one.

utterance: Mhm.

utterance: Seven zero nine.

utterance: All right. And the the routing number for that account?

utterance: It's

utterance: Zero zero one.

utterance: Mhm.

utterance: Six oh seven nine six five.

utterance: OK. All right, so you're all set up, your application is ready to go, you're in our portal. What I need you to do is to please send us in supporting business documentation, so I just sent you the email.

utterance: OK.

utterance: You will see a list of documents that we need from you. You need to upload to us right away. There's a link in there for our portal. There you could just update your documents.

utterance: OK.

utterance: OK.

utterance: Once you do that, then we can get the application process started right away.

utterance: OK.

utterance: So get those over to us when you can, like as soon as possible, cuz then it will take twenty-four to forty-eight hours to process and get a an answer. So yeah. Is there everything set to go, so is there anything else I can help you with?

utterance: No, that's everything.

utterance: All right, well, thank you so much for being part of Intellibank and we'll be in touch soon.

utterance: Thank you so much.

utterance: Bye bye.


speaker_role: Agent

utterance: Hello. Thank you for calling Intellibank, my name is Natasha how can I help you today?

speaker_role: Customer

utterance: yes what type of Intellibank account do you guys have?

utterance: Well sir you're asking about our Intellibank accounts?

utterance: Yes, I believe so.

utterance: OK.

utterance: We have several business accounts here, we have two business checking accounts available and a savings account, which one would you like to open a checking or savings?

utterance: savings please.

utterance: OK so we have a Intellibank smart savings account that you can open with us. It has zero it has no annual fees, it has a two percent interest rate on the account point two percent interest rate my bad, that you can actually draw on the account the requirement is a ten thousand dollar limit.

utterance: OK. .

utterance: Monthly,

utterance: Is that an account that you think you'd be interested in?

utterance: Yes, yeah I'd be very much interested in that one.

utterance: OK sir, well I can certainly help you with that but before I can place your request I'll have to get a little information about you so that I can set up that account for you, is that OK?

utterance: Yes.

utterance: OK sir could I get your first name please?

utterance: Yes first name is Gabriel.

utterance: All right is that Gabriel G A B R I E L?

utterance: Yes ma'am.

utterance: OK sir.

utterance: could I have your last name mister?

utterance: Robinson.

utterance: OK.

utterance: So your name is Gabriel Robinson? R O B I N S O N?

utterance: Yes ma'am.

utterance: Yes.

utterance: All right thank you so much Mr. Robinson. Could you give me your home address please?

utterance: OK.

utterance: yes I have two on file. I got one address it's forty-four nineteen Cave Drive and my current address is forty-four sixteen Ocean View Drive.

utterance: All right Mr. Robinson we'll use your current address for this account is that all right?

utterance: Yes.

utterance: OK so that's forty-four sixteen Ocean View Drive?

utterance: Yes.

utterance: OK thank you so much sir, and what is the city location?

utterance: yes it's it's Seattle.

utterance: All right sir and what is the state?

utterance: Washington.

utterance: OK Seattle, Washington, could you give me your ZIP code please?

utterance: Yes.

utterance: Yes.

utterance: Nine eight one one eight.

utterance: All right sir, so I have that home address as four four sixteen Ocean View Drive in Seattle Washington, ZIP code nine eight one one eight?

utterance: Yes.

utterance: All right thank you so much could I also have your social security number for authentication purposes?

utterance: Yeah social security number is nine one five six six seven zero three nine.

utterance: All right that is nine one five six six seven zero three nine?

utterance: Yes.

utterance: OK sir could you give me your driver's license number as well?

utterance: Yes, my driver license number. Hold one one second let me find it here.

utterance: OK sir take your time.

utterance: OK.

utterance: Oh I've found it, it's eight one nine five two four nine six nine.

utterance: All right sir, let me repeat that number to you. Eight one nine five two four nine six nine.

utterance: Yes.

utterance: OK sir and what is the state for that driver's license?

utterance: Washington.

utterance: OK so you have that driver's license that's in Washington?

utterance: Yes.

utterance: OK sir and what PIN would you like for this account?

utterance: the pin I'd like for this account is four four nine five four nine.

utterance: OK sir so you're gonna set up the initial PIN is four four nine five four nine?

utterance: Yes.

utterance: All right thank you so much. Oh and could I get an email address to put on file as well please?

utterance: Yes.

utterance: Quality sound production at Gmail dot com.

utterance: OK so I will email down as quality sound production at Gmail dot com?

utterance: Yes.

utterance: K could you list your business name please for me?

utterance: Business name is Quality Sound Production LLC.

utterance: All right, have that down and are you the sole owner of this business sir?

utterance: Yes I am.

utterance: OK could you give me the date that it was first established please?

utterance: First ten two thousand ten.

utterance: Ok so that was established in on January tenth of twenty ten.

utterance: Yes.

utterance: OK and could you give me your gross annual sales sir?

utterance: One hundred thousand.

utterance: Ok the gross annual sales for that business is a hundred thousand?

utterance: Yes.

utterance: All right sir and could you also provide me your business tax ID?

utterance: Business tax ID is nine eight nine seven six five five five one.

utterance: All right sir let me repeat that back to you that is nine eight nine seven six five five five one?

utterance: Yes.

utterance: OK and could you give me the business street address as well?

utterance: Yes four fifty-nine Broadmoor Lane.

utterance: All right your list that as four five nine Broadmoor Lane is that correct?

utterance: Yes.

utterance: OK and the business city please?

utterance: Seattle.

utterance: All right and the business state.

utterance: Washington.

utterance: All right, Seattle, Washington. Could you give me that ZIP code as well?

utterance: Nine eight one one nine.

utterance: All right so you have your business address at four five nine Broadmoor Lane, Seattle, Washington? Business zip at nine eight one one nine?

utterance: Yes.

utterance: All right thank you so much sir and which type of account did you want again?

utterance: I want a Intellibank smart savings?

utterance: OK.

utterance: So you decided to go for the Intellibank smart savings account all right?

utterance: Yes.

utterance: And what will be your initial deposit amount?

utterance: thirty thousand.

utterance: OK we're gonna set that initial deposit at thirty thousand.

utterance: OK sir could you give me the funding account number please?

utterance: Yes.

utterance: Five five six five five two three one eight seven.

utterance: OK sir that number was five five six five five two three one eight seven?

utterance: Yes ma'am.

utterance: All right thank you so much sir, and could you give me the funding routing number please?

utterance: Yes.

utterance: One two five four three six one five seven.

utterance: OK sir that number was one two five four three six one five seven.

utterance: Yes.

utterance: All right thank you so much sir and which address would you like your mail to go to would you like it go to your home or your business address?

utterance: Can you send that to my home address?

utterance: Yes sir we certainly can, is this the address that you just listed on file with us today?

utterance: Yes ma'am.

utterance: OK so to verify that address was four four one six Ocean View drive Seattle, Washington nine eight one one eight?

utterance: Yes.

utterance: All right thank you so much sir. Just gimme one moment while I process this request for you and set up this initial savings account. Just one moment please.

utterance: All right.

utterance: OK.

utterance: OK Mr. Robinson I have set up your savings account, your information about this account and all the interest rates and fees that incur on this account will be sent to your home address as requested you should receive that in the mail within the next two to three business days as well as your savings account information about your initial deposit. OK sir? Is that?

utterance: All right.

utterance: OK.

utterance: Is that all that I can do for you today Mr. Robinson?

utterance: Yes ma'am.

utterance: OK thank you so much for your time and patience sir, again my name was is Natasha. I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you sir. Bye bye.

utterance: Bye bye.


utterance: Thank you very much for calling Intellibank. This is Don. How may I help you today?

utterance: Hey Don sorry to say this but I'd like to close my account.

utterance: We completely understand though we are very sorry to hear that you'll be leaving us. may I ask why you're closing your account today.

utterance: Well obviously we're just looking for a bank that offers a bit more like cash back and and and perks for purchases. the kind of business we do we are doing a lot of traveling as well as treating our our customers and our clients to various kinds of gifts or services or shows et cetera and when we're using the card it would always it'd be nice being able to have something come back also from the bank whether in terms of a percentage back or or like flights et cetera so we've seen another option with a different bank and that's why we're making the move.

utterance: Well that is completely understandable I just needed to know that for my records. That'll be no problem to close your account today. will you be transferring the remaining balance into a new account at your new bank?

utterance: Yes.

utterance: All right so I am gonna need that account info but to start I'm gonna need the info for the account that you're closing so can I please have your first and last name?

utterance: Drew Barrymore.

utterance: Thank you very much Drew.

utterance: And what is the six digit account number of the account you're closing?

utterance: Three one seven eight five five.

utterance: And the four digit PIN for that account.

utterance: One seven three eight.

utterance: OK and it looks like you have a current balance of three thousand five hundred sixty-two dollars and forty-five cents and we'll be transferring that to your new account. Can you please provide me the name of the bank where your new account is located?

utterance: yes one second. the Bank of America.

utterance: All right and can you please provide me with that account's number?

utterance: OK one second let me let me grab that for you.

utterance: Absolutely.

utterance: OK here we go the Bank of America information. We just need the account number correct?

utterance: to start the account number but I'm also gonna need your nine digit routing number as well.

utterance: OK well here's the account number. three four two five five nine.

utterance: All right and your nine digit routing number.

utterance: Nine five nine four four two five eight four.

utterance: All right just a moment please. Now this is gonna be instant on our end. It's gonna. The funds will move out immediately. we have no control however on how long it'll take your new bank to make these funds available. are you OK with that?

utterance: Yeah yeah that's fine.

utterance: All right and to put this through I'm just gonna need to ask you a couple of security questions. first off what is your date of birth?

utterance: March seventh ninety-seven.

utterance: And what is your mother's maiden name?

utterance: Jeffers.

utterance: All right. That is all I'm gonna need here. This'll just take a moment. How's your day going for you?

utterance: not too bad not too bad just kinda closing this account is the last bit that I have that I have going on then we're just kinda riding into the weekend thankfully. It's been a long week but but you know positive overall I think we're able to make this change to the account. Sorry to Intellibank. You guys have been great up until this point but once this account is closed it kind of opens us up to to a few more things that we really wanna do to service our our clientele.

utterance: Well the good news is your account is now closed. You will get a confirmation email immediately and a confirmation letter in the mail in seven to ten business days. we're sorry to see you go but thank you very much for your time banking with Intellibank. Is there anything else I can help you with today?

utterance: no that's that's all.

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


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

utterance: Yes, Jerry. I called earlier to check the balance on my intelligence account. But I also wanted to get the debt to income ratio. Can you help me?

utterance: Sure, I'll be glad to help you assist you with that, ma'am. If I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of the business that has an account on file with us?

utterance: Jones Bed and Bath.

utterance: OK, thank you for that. Ms. Richards and I'm gonna ask you a few questions here to verify your account. Is that OK?

utterance: That'll be just fine. You know, I'm just so excited about the Braves winning this twenty twenty-one world series. They play with precision.

utterance: Well, yeah. I mean, congratulations to those Atlanta Braves fans. I know that a world championship is always a big deal, no matter what town. And I know Atlanta has been looking for a world championship, I think I saw on the new, for twenty-six years.

utterance: Oh yeah. Exactly, and you know it's the way they played. It was fun. They broke records. They hit home runs. It was fantastic.

utterance: I couldn't agree with you more. I mean it was a exciting world series with the home runs, with the grand slams, and I think I heard them say on the the radio about the pitching was terrific as well.

utterance: you better know it.

utterance: Well, again. Congrats to those Braves fans.

utterance: Thank you.

utterance: And Ms. Richards, let's see here. I'm gonna again ask you some questions to verify. So, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And Ms. Richards, what is your account number?

utterance: Nine eight four sixty-five ninety-one.

utterance: OK. And Ms. Richards, what is your PIN number?

utterance: Ten seventeen.

utterance: Oh OK.

utterance: You know, and I I also would like to get the balance for my checking account.

utterance: OK. Terrific. Yes ma'am. And I see you you noted earlier that you called in and you inquired about the balance on your business smart savings account. And you now also want to ensure that what the balance is on your checking account with us?

utterance: Yes.

utterance: OK, and the account number you just gave me is for your business total checking account. And that balance there is is actually fifteen thousand seven hundred and ninety-eight dollars.

utterance: OK, good. Thank you very much for that.

utterance: You're welcome. You're welcome. And of course, Ms. Richards, you mentioned as well that you wanted to check your debt to income ratio.

utterance: I sure would.

utterance: let me ask. what is the time period that you're looking to get that information for?

utterance: For the last past quarter. Excuse me.

utterance: OK. So, from the past quarter, Ms. Richards, your debt to income ratio for your business presently is twenty-nine percent.

utterance: Wow. That's high.

utterance: Well, believe it or not, I mean it does matter based on the industry type you're in. But no, I mean, really anything below fifty percent is considered pretty decent across the board, generally.

utterance: Oh. OK good. I I. That. Now that you've explained it better you know, I I'm glad that you did well good. Then I. much better.

utterance: Yes ma'am. As you are aware, just so that you're aware and I know you are. with the debt to income ratio that's covering your gross monthly debt by your monthly sales. So, it means that you have enough revenue coming in to service your debt.

utterance: OK, great. Well, that's wonderful.

utterance: Yes ma'am. Yes ma'am. And with that being the case, Ms. Richards, is there anything of course else I can assist you with?

utterance: No, not today. Thank you for all your help.

utterance: All right. Well, just keep in mind, Ms. Richards. with us here, you can always go visit our website and if you visit our website there, you'll be able to access your debt to income ratio there, and of course inquire about your account balances, be it for your business smart savings account, as you inquired earlier, or for your business total checking, because I see here today you've called in twice now. about your different account balances.

utterance: Right, OK. Well, thank you for that. That is helpful information.

utterance: Absolutely. And I only shared that because I know that you're a busy woman and and I don't want you to unnecessarily keep having to call in to check on certain things multiple times when you can of course just check it at your own convenience all in one location right there online.

utterance: Yes. I appreciate that cause I definitely am busy.

utterance: I agree and I understand completely. Ms. Richards, is there anything else?

utterance: No, not today.

utterance: Well, Ms. Richards, thanks for giving us a call.

utterance: Thank you. Bye bye.

utterance: Bye.


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

utterance: Yeah, Ian. I'm calling to get a credit report today.

utterance: Fantastic. May I ask who I'm speaking with?

utterance: Yes. This is Sal Davidson.

utterance: OK. Mr. Davidson. I just need to gain access to your Intellibank account. There's a four digit PIN number that's associated with your account. What is that PIN, sir?

utterance: Two two six nine.

utterance: Two two six nine. All right. Great. Just give me one moment while that pulls up for us. All right. I see Mr. Davidson. Now what is. Please verify your date of birth for me, sir.

utterance: Eleven. fourteen nineteen eight five.

utterance: Eleven fourteen eight five. Got it. And also can you please verify your sh- your address for me.

utterance: That. Yeah. For sure. That's four three six eight Wilbur Avenue LA nine oh oh oh one.

utterance: Nine zero zero zero one. OK. All right. Thanks so much for verifying that information, Mr. Davidson. Now that we can get to the point to where we can order your credit report for you, what is your social, sir?

utterance: Two two two hold on I can't I I always forget this number.

utterance: OK.

utterance: give me one sec.

utterance: Yes sir.

utterance: Yeah. That's two two two four four six six eight eight.

utterance: Six six eight eight. OK, great.

utterance: All right. Give our computer a moment while it populates your credit report pulling all the information from the three credit bureaus compiling it into one report for you. It'll be making it into a PDF file. And while it's doing that, let's determine how you want this delivered to you. It can be certified mail or secured email sent directly to you.

utterance: Let's do email.

utterance: OK.

utterance: And that's Sal at Gmail dot com.

utterance: OK. I have Sal. That's S A L? Sal? Sal at email dot com. OK. Got it.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm. Got it right.

utterance: All right. So this is populating still, and while it does that I just want to make you aware that we have some great rates for SBA loans, and I see that you are a diamond checking member. So Intellibank has a lot of great perks for diamond checking members. So thank you so much for being a long time member, and I will put a link to this information in your email. If it's something you want to check out, it's right there for you, if not then just scroll on past.

utterance: OK. OK.

utterance: All right, Mr. Davidson. We have your credit report and your email drafted. Also, in this email I will be putting information about our online banking, as well as our mobile banking app. So if you have any oth- other questions about our products and services feel free to contact our help desk and they'll be more than willing to help you any time of the day.

utterance: All right then.

utterance: All right. Now Mr. Davidson, is there anything else we can help you out with today.

utterance: No. I believe yeah, that's it.

utterance: OK.

utterance: That's everything.

utterance: Well, our computers are giving us a little bit of a issue here. But while I prepare to send this email, I also I also neglected to tell you, but I want to make sure your your aware that in order to send this email through a secured email third party site there's a charge, one time charge of twenty-five dollars that can either be billed to your business credit card or we can bill that to your business account. Which would you prefer?

utterance: the business account.

utterance: Business account. OK. I have this one listed as seven zero nine B S. Is that correct?

utterance: That's the one.

utterance: All right. All right. Well, we've got all that information placed in the email. It should be in your inbox, cuz I've sent it.

utterance: OK.

utterance: And Sal, is there anything else that I can help you out with today?

utterance: I believe that would be it as long as I get that on the way I'd be fine.

utterance: Well, it's it's it's there now, so you have it. So Sal you have a a great day, and thank you for calling Intellibank.

utterance: Thank you. Awesome. You too. Have a good day.


utterance: Good morning, thank you for calling Intellibank. How may I help you today?

utterance: Good morning. I'm having some I'm having some problems with some of my employees trying to purchase things out and about for my small business.

utterance: Oh my gosh! That's terrible! Are you. Hopefully you would get in disciplining these employees.

utterance: Yeah.

utterance: Well, I need them to be able to buy things out and about.

utterance: And, what's going on?

utterance: Well they they have been being denied to use my credit card, with your bank, because it's under my name and there's apparently been a lot of fraud.

utterance: Oh you need me

utterance: You need me to add them to your account?

utterance: Yes, I do need you to do that.

utterance: Oh, great!

utterance: Mhm. Thank.

utterance: You.

utterance: OK, sure. So what we'll do, do you have their full name?

utterance: Yes, my full name is Lisa Jareau.

utterance: Lisa Jareau. What's your account number?

utterance: My account number, of course, is four three six two two one one seven two four nine.

utterance: Great. Perfect. Lisa Jareau. Just one more question so we can verify you. The last four digits?

utterance: Yeah, it's four three nine one. And my phone number is six one six six two four three nine four nine.

utterance: Perfect. And what's the name of the employee? Are there several employees that we're adding or just one?

utterance: for now, just add one .

utterance: OK. And what's the name?

utterance: her name is Alessandra Purteen.

utterance: Alessandra Purteen.

utterance: All right.

utterance: And is there a number that you want associated with that? Or I can just keep it at Alessandra Purteen?

utterance: Uh-huh.

utterance: Want me to do that, ma'am?

utterance: Yeah.

utterance: All right.

utterance: Alessandra Purteen is now she's now added to the account. She's good to go. She's, she can go out and buy anything you need for your business.

utterance: Oh, wow. That was so simple and easy.

utterance: Yeah.

utterance: That's great.

utterance: Yeah. Great.

utterance: you, and now, Sandra Purteen can have all the buying fun you can do.

utterance: If that makes sense.

utterance: Great.

utterance: That makes perfect sense.

utterance: That makes all the sense in the world.

utterance: what else can I do for you today?

utterance: can you tell me about some of the other. Like if I'm going to be traveling, I'd need a traveler's card, right?

utterance: Yeah, I mean, there's several cards I could I could hook you up with here.

utterance: Like what?

utterance: well we have our business card where where you get mileage points for each dollar you use.

utterance: Uh-huh.

utterance: you have. Or or for every major purchase you use at say like a gas station or a grocery store.

utterance: Mhm.

utterance: And we have other cards that that provide points back or Or you know for for each dollar you spend at any restaurant.

utterance: OK. If I'm gonna to be traveling though, do I need to do something to my account?

utterance: You'll want the business platinum card.

utterance: OK.

utterance: You want me to sign you up for that?

utterance: Yeah, I have a lot of travel plans in my near future for my business.

utterance: Nice.

utterance: Business related travel, I mean.

utterance: That's great.

utterance: Mhm.

utterance: Traveling for the business.

utterance: Yeah.

utterance: Business it up.

utterance: Exactly.

utterance: Travel wise.

utterance: Uh-huh.

utterance: All right.

utterance: OK. So, do you want me to see if you will be approved for this?

utterance: Yeah, and what would the name of it, it would be a Traveler's Card or?

utterance: It would be a Traveler's Business express platinum deluxe card.

utterance: OK, great. That sounds delicious actually.

utterance: It's yeah it's like a nice meal at a gastropub.

utterance: Mm.

utterance: Fantastic. Yeah, please let me know.

utterance: All right, it says here you have been approved. and we can send it to your address. Is it still the address you have on file?

utterance: Which address would that be?

utterance: One one two one two three four nine two Apartment one two nine two nine two two, two one B?

utterance: Mhm. Yeah, yes that's it. Yeah, you got it.

utterance: All right. Great.

utterance: Mhm.

utterance: it's, I'm gonna have it sent out. Should be about two weeks before you get it.

utterance: Two weeks?

utterance: Yeah.

utterance: Do you need it before then?

utterance: Oh ideally.

utterance: we'll see if we can put a little express there and hopefully, you can get it within the week, week and a half.

utterance: Can you make it in like three days?

utterance: Woof.

utterance: I'll pay extra. If it, if it can arrive in three days.

utterance: How much extra do you wanna pay?

utterance: Well I get to choose?

utterance: Well, you know we could do express shipping for an for an added fee. If you wanna do that.

utterance: OK.

utterance: Yeah, I'll do that.

utterance: OK, let's do that. We'll do the added fee. Your card's gonna come out to the mail you. Your co-worker's been added, she will stop being declined.

utterance: Thank you.

utterance: And sorry you were having that issue in the first place.

utterance: It's OK.

utterance: but other than that, we are all good to go. And you are now the proud owner of a best business traveler's platinum deluxe card.

utterance: Oh, perfect. Thank you so much.

utterance: You're

utterance: Welcome, have a great day.

utterance: Yeah, you too.

utterance: Bye.


utterance: Thank you for calling Intellibank. How may I help you today?

utterance: Hey, how you doing? My name is I'm sorry about that.

utterance: Go ahead, sir.

utterance: yes. My name is Zeke. Zeke Williams and I was calling in regards to man, I, I, I need to get all my employees paid and I don't have you know, the direct software to do that and I need to get everybody situated and, and paid and stuff like that so.

utterance: OK.

utterance: Oh.

utterance: OK. Great. do you want to pay online? your, your employees, or we can setup a direct deposit for for your employees, or also I can just get you some checks sent out so you can take care of it?

utterance: I think that would be better man, order.

utterance: Checks?

utterance: Yeah.

utterance: OK.

utterance: Order checks. Yeah, yeah, yeah. That, I didn't even, I didn't even know that was even possible still so I

utterance: Sure. nothing.

utterance: Like an old fashioned check sometimes, right?

utterance: Hey, man, sometimes, you know my mentor always said man, hey, If it's not broke don't fix it, you know. So. Yeah man I gotta stick by that logic and it hasn't failed me yet, so.

utterance: True. True.

utterance: OK. Excellent. Well, let me just get some information from you first. can you tell me your first and last name again?

utterance: Yes. my name is Zeke Williams.

utterance: Great. And your date of birth?

utterance: August eighth, nineteen eighty-nine.

utterance: Fantastic. Then can I get your customer PIN and then the shipping address for the checks.

utterance: Yes, customer PIN is ninety-nine fifty. Two.

utterance: OK.

utterance: And my, the, you said the address?

utterance: Yes indeed, the shipping address where you want me to send the checks.

utterance: OK, street is forty-one forty-nine Georgia Street city is Beverly Hills in Florida.

utterance: Beverly Hills, Florida?

utterance: Yes.

utterance: Interesting I did not know there was a Beverly Hills in Florida.

utterance: Yeah, you know that a lot of people don't know that, man, a lot of people don't know that.

utterance: Interesting.

utterance: ZIP code is a thirty-two sixty-six five.

utterance: Thirty-two sixty-six five.

utterance: Yes.

utterance: Fantastic. And how many checks will I be sending to Beverly Hills, Florida?

utterance: I need about four fifty.

utterance: Four fifty. Fantastic.

utterance: Yes.

utterance: Now you know that you can always go online and setup direct deposit with employees, or setup bill paying for your vendors or order more checks and I'm happy to send out four hundred checks to your Beverly Hills address. Is there anything else I can help you with in terms of your banking needs today?

utterance: Yes. Now with the check, how long do they have to actually cash them, get that in, or is it, due by, due by somehow closing fee or, or anything like that, because I know some other companies they have a set time on certain things from

utterance: Well a check is.

utterance: Typically valid for thirty days.

utterance: OK. OK.

utterance: Since from the time that you write the check.

utterance: OK.

utterance: but That's really something that's going to be taken care of through, through your account in particular So I see that you have a, a platinum account with us. Is that correct?

utterance: Yes, sir. Yes, sir.

utterance: And you have a.

utterance: Traveler's card?

utterance: Yes. Now card as well It's, It's points right? I get mileage on that, correct? From you guys?

utterance: Excellent.

utterance: Well, the travels card is used to book different if, if, if you're booking your travel, hotel and rental car arrangements through us, you're getting a special rate with our vendors.

utterance: OK. Now if I. Another question. If I, like right now I'm doing, you know, four hundred you know, ordering checks? does do I get any points for doing so? Like so I get points for that?

utterance: Uh-huh.

utterance: that's that's, it's not necessarily points in terms of a, it's not like a mileage system.

utterance: Cuz I'm gonna be doing this project myself.

utterance: OK.

utterance: The traveler's card is really more giving you deals when you are going online to book flights and such.

utterance: OK.

utterance: did I answer your question?

utterance: Yes. Yes, yes, yes, yes.

utterance: Great.

utterance: yeah cuz I mean, I'm going to be doing this frequently, I didn't know if you guys give some type of, you know, extra perks for it, you know, being consistent.

utterance: Excellent.

utterance: Well they are significant discounts.

utterance: OK, cool.

utterance: I mean that's always good, so.

utterance: Yeah, absolutely. Well, I'll get these checks mailed out to you. Is there anything else I can help you with today? Any further information about your account?

utterance: No, I think you you answered everything, man. So I greatly appreciate it man and Yeah, I probably. see you next week or next month or something like that. So we'll be doing it every month. .

utterance: Excellent.

utterance: All you do it.

utterance: Fantastic.

utterance: Well, we appreciate your business and we hope that you'll keep us updated with any other needs we can help you out with.

utterance: Not right now. Have a good one.

utterance: Thank you, you too.


utterance: Hi! Thank you for calling Intellibank Customer Service. My name is Jake. I'm your customer service representative today. How can I help you?

utterance: Hey, Jake! I need to Sorry, this is kind of like I don't think it's that hard. I wanna change my PIN, and it's because currently, my PIN. I just found out that I have a lot of unlucky numbers in my PIN. and I wanna change it because my mom is is very superstitious. And even though I don't really care, and I feel like business has been good I just She wants me to change my PIN number cuz she says it's unlucky, so I just wanna go ahead and do that.

utterance: You don't need a good reason or bad reason to do it because we will do it for you regardless.

utterance: Great.

utterance: So in order to do this, let us get into your account. First, I'm going to ask for some sensitive information just to verify your identity. And I start with your first name and your last name.

utterance: OK, yeah. First name is Jason.

utterance: Chang. Last name Chang.

utterance: Is that C H E N G?

utterance: A N G actually.

utterance: C H A N G. Fabulous! OK. What is your date of birth Mr. Chang?

utterance: it's December twenty-fourth nineteen eighty.

utterance: Fantastic. And just to verify your identity, I'm going to ask for your old PIN number.

utterance: Mhm. OK. So old. My mom says the number four is unlucky so my old PIN had too many fours. It's four four one four.

utterance: Four four one four. I can certainly see how how that would be unfortunate if four's a unlucky number.

utterance: Right.

utterance: So, we're gonna go ahead and get rid of that PIN. What would be the new PIN?

utterance: Eight two eight zero.

utterance: Eight two eight zero. Fantastic! All divisible by four.

utterance: Mm.

utterance: all right. So, we have that as your new PIN. You can go ahead and use this PIN at any ATM. You can this on your online banking and on your phone on the mobile app going forward. It's our universal PIN system. is there anything else I can help you with?

utterance: yeah. Actually, I want to want to Want to know about your guy's exchange rates. we need some money. convert it from the dollar to the Korean won. And I was hoping you can give me some of that information.

utterance: Yeah, absolutely. to be able to provide you with the best information possible, I'm gonna have to re-login to your account, so I'm gonna need your first name and last name again.

utterance: OK, it's Jason Cheng.

utterance: Fantastic. And your date of birth and your PIN.

utterance: OK. So date of birth is December twenty-fourth nineteen eighty. new PIN, right?

utterance: Yes, .

utterance: The new PIN.

utterance: The new PIN is eight two eight zero.

utterance: Fantastic! OK, so I'm looking at looking at your your your profile right now. OK! So, you have some available funds. What would you like to. What would the source currency be that you would like to convert?

utterance: source currency's the dollar.

utterance: Right.

utterance: Yeah.

utterance: Which makes absolute sense. OK. So what is the destination currency?

utterance: the Korean won.

utterance: OK. Fantastic! Let me just do some mathematics and look it up for you. OK. So The American dollar. If we're looking at the American dollar as as the as what you'd like to convert into South Korean, it would be point zero zero zero eight five dollars to one South Korean won.

utterance: Yeah, OK. It's about right. Yeah.

utterance: All right! Would you like to make any conversions right now, or were you just looking for the the the exchange rates?

utterance: Just looking for the exchange rate now, but I'll probably I'll probably call you guys back when I need something executed. but I was hoping I can ask you something else about one of your guys'. I was looking at credit cards, and I was looking at your the International Traveler's Card. You guys have something like that?

utterance: we have something like that. We actually don't have something called the international traveler's card, but we do have the traveler's card. Is that what you're thinking about?

utterance: Oh.

utterance: I think so, yeah! Can you tell me more about it?

utterance: Yeah! It offers all sorts of rewards for the for the daily traveler if you do a lot of business overseas, if you're flying, if you're renting cars, if you're paying for a lot of gas, this is the card that will give you a lot of rewards.

utterance: OK. That sounds like. That sounds about right. Yeah, I like that.

utterance: OK, cool! I I can send you an email with more information and about how you can upgrade to this card. Is that acceptable to you?

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

utterance: Fantastic! So, you'll be getting an email very shortly about that. Is there anything I can help you. Anything else I can help you with today?

utterance: No, I'm good. Thank you, sir!

utterance: All right! If you stay on the line, there'll be a short survey, and we would greatly appreciate your feedback. Otherwise, I hope you have a fantastic day!

utterance: You, too! Thank you!

utterance: Take care.


utterance: Thank you for calling Intellibank, this is Steven, how can I assist you?

utterance: yes I was wondering if you offer term loans?

utterance: Yes we do offer business term loans, yes sir.

utterance: OK Can you tell me the term length and the interest rates?

utterance: The term length is the, can be defined by you as the customer depending on how quickly you would like to pay back the loan or how much of your monthly payment you would like to be and the interest rates range from five percent to nine and a half percent.

utterance: OK Yeah, my my business is doing pretty good so I want I need some more inventory and let's just apply for one now, if you can?

utterance: Alright I can certainly help you apply for that loan. Can I have your name and date of birth please?

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

utterance: Thank you and can I have the your personal home street address?

utterance: It is thirty-six Edgemont Lane. Canyon Country, California nine one three eight seven.

utterance: Thank you that's thirty-six Edgemont Lane in Canyon Country, California nine one three eight seven, is that correct?

utterance: That's correct.

utterance: Thank you and then can you provide me with your social security number?

utterance: Eight six nine seven one four six six hang on, I might I might have given that wrong, hang on. it is eight six nine one seven six four six.

utterance: OK thank you sir I've got that and then may I have your driver's license number?

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

utterance: Thank you and what state is that driver's license issued in?

utterance: California.

utterance: Thank you and your authentication PIN number for your account?

utterance: One zero six two.

utterance: Thank you sir and then what email address would you like to have your documents and communications sent to?

utterance: Thomas customs at Gmail dot com.

utterance: All right thank you sir and then what is the name of the business that you're applying for the loan under?

utterance: Thomas Custom Cabinet's.

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

utterance: Yes.

utterance: And when was that business first established?

utterance: July sixth nineteen eighty-one.

utterance: Thank you and the total dollar amount of the gross annual sales of your business?

utterance: Two hundred and twenty thousand.

utterance: Thank you and the business tax ID number?

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

utterance: Thank you sir and then may I have the address of the business?

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

utterance: Thank you. And which address would you like your mail to be sent to. That can either be your personal address or the business address?

utterance: The business address.

utterance: Thank you very much. And how much of a loan were you looking to take out, sir?

utterance: Twenty-five thousand.

utterance: OK and the purpose for your loan?

utterance: I need to buy some inventory.

utterance: All right thank you and what term for the loan were you looking to do?

utterance: let's do thirty-six months.

utterance: All right thirty-six months for twenty-five thousand dollars, is that correct?

utterance: That's correct.

utterance: All right sir, thank you. And you will not need to provide any type of collateral for the term loan and so if you'll now send in supporting business documentation, we will get back to you with the results of your application.

utterance: All right that sounds great.

utterance: All right sir.

utterance: How's the weather been doing where you're at?

utterance: Oh it's been rainy the last couple of days so not to great.

utterance: Oh, I'm sorry to hear that. It's been warm and sunny here.

utterance: Oh well I hope it turns that way soon here.

utterance: Yeah that'd be great.

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

utterance: I can't think of anything.

utterance: All right sir, well you have a wonderful afternoon.

utterance: All right, you too.

utterance: Thank you.


utterance: Thanks for calling Intellibank. How's it going?

utterance: It's going.

utterance: Oh that's nice.

utterance: How are you?

utterance: I'm good.

utterance: I'm Perry, how can I help you today?

utterance: Hi

utterance: Perry. My name is Citadel.

utterance: Hi Cipatel.

utterance: Citadel.

utterance: Citadel I'm so sorry.

utterance: Yeah.

utterance: It's OK.

utterance: What are you looking today to do today Citadel?

utterance: So I'm hoping to talk about A few things. But mainly I'm calling about a real estate loan.

utterance: OK go head. Yeah. Do you bank with us? Currently?

utterance: No.

utterance: You do not?

utterance: Mm-mm.

utterance: hold on. I'm gonna have to transfer you.

utterance: Oh.

utterance: Yeah.

utterance: Hello?

utterance: Hello hi.

utterance: Hi.

utterance: Hi.

utterance: Hi.

utterance: Thanks for calling Intellibank.

utterance: Hello.

utterance: Hi, this is Rodney.

utterance: Hi Rodney.

utterance: Hi.

utterance: How are you?

utterance: You know I'm OK.

utterance: OK good.

utterance: How are you, Rodney?

utterance: Good.

utterance: So I heard you want a real estate loan but you don't have an account number?

utterance: Uh-huh.

utterance: OK we're gonna have to set you up for an account.

utterance: OK.

utterance: OK what's your address?

utterance: It's fourteen thirty-two Luckelbee Lane.

utterance: OK. What's your name? Your full name?

utterance: Citadel Argentina.

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

utterance: It's September eleventh nineteen ninety.

utterance: Oh.

utterance: OK. And where were you banking previously?

utterance: Oh, previously I was banking at Chase.

utterance: Oh OK. Sure.

utterance: Yeah.

utterance: And you. Why did you leave them?

utterance: Oh I haven't left yet.

utterance: Oh I see.

utterance: Yeah.

utterance: All right well, do you have a business? A job?

utterance: Mm mhm yeah.

utterance: What do you do?

utterance: Yeah I'm a small business owner.

utterance: Oh. That's fantastic. What what does your business?

utterance: Mhm.

utterance: I groom exotic pets.

utterance: OK and how long have you been doing that?

utterance: ten years.

utterance: Ten years. OK. And what is the annual gross of that?

utterance: Mhm.

utterance: Mm over five hundred thousand dollars a year.

utterance: Oh, you.

utterance: Wow, you're doing very well.

utterance: Yeah.

utterance: Well we'd love to do business with you so we're going to go head and start you a new account. Do you do a checking and savings. Do you have a business account you would like to start as well?

utterance: well what what do I need to start in order to get the real estate loan?

utterance: You have to start all of this. So you know we kind of have to know who you are.

utterance: OK.

utterance: OK. So we're going to set you up with the business personal checking and savings account.

utterance: Mhm.

utterance: OK so I'm gonna transfer you back then you can start getting that real estate license going.

utterance: OK.

utterance: Hello?

utterance: Hello?

utterance: Hi how's it going?

utterance: Hi.

utterance: Hi I'm Lucille.

utterance: Hi Lucille. My name is Citadel, I don't believe we've spoken.

utterance: No we haven't

utterance: Spoken yet

utterance: OK.

utterance: So. OK. Can I get your account number?

utterance: Oh with this bank?

utterance: That's right. Yes of course.

utterance: I wasn't give one yet.

utterance: Oh. hold on I'm gonna have to transfer you.

utterance: OK.

utterance: Hello?

utterance: Hello.

utterance: Hi how's it going?

utterance: Hi my name is Citadel. .

utterance: Citadel, how's it going? I'm

utterance: Tod.

utterance: Hi Tod.

utterance: So thank you for calling and banking with Intellibank. What can I do for you today?

utterance: So I was getting started with some different banking.

utterance: Mhm.

utterance: Banking options here so that I could be eligible for a real estate loan.

utterance: Sure.

utterance: That's fantastic.

utterance: Fantastic. OK. OK let me have your account number.

utterance: Yeah.

utterance: Oh I I haven't been given one yet.

utterance: OK I'm going to have to transfer you. Please hold.

utterance: OK.

utterance: Hello?

utterance: Hello?

utterance: Hi hello.

utterance: Hi.

utterance: This is Rodney. How can I help you? .

utterance: Hi Rodney.

utterance: I really we just spoke.

utterance: Mhm.

utterance: about thirty-five to forty-five minutes ago.

utterance: OK about what?

utterance: Yeah my name is Citadel Argentina.

utterance: Oh hi Citadel oh yes of course. How are you?

utterance: Oh I'm OK.

utterance: How did your real estate license go?

utterance: Well we didn't, we weren't able to start it up yet because I haven't been given an account number.

utterance: Oh OK. Well hold on I can transfer you and get to that right away.

utterance: OK.

utterance: Hello?

utterance: Hello?

utterance: Oh hold on I'm so sorry.

utterance: Hello, thank you for calling Intellibank.

utterance: You know I've been getting transferred for the past three and a half hours.

utterance: Please hold.

utterance: Hello?

utterance: Hi I'm just gonna. I'm not gonna bank with this bank.

utterance: Oh yeah? What's the problem?

utterance: Yeah I It's just it's obviously not gonna to work out for me.

utterance: Well I'm very sorry that you're displeased with the Intellibank systems.

utterance: Me too.

utterance: Well don't call back.

utterance: OK.


utterance: Welcome to Intellibank this is Rose how can I help you this evening?

utterance: hi Rose my name is Kim how are you this evening?

utterance: I'm pretty good Kim thank you for asking how about yourself?

utterance: I'm doing OK Rose I need some help I am interested in trying to find out the current exchange rate between USD and yen I'm actually taking a trip to Japan in the spring and I'm wondering what the current exchange rate is you know now and then I guess I'll check back as I get closer and and see closer to my trip and see if it's still around the same thing but I'm just trying to figure out how much I have to plan for for my trip.

utterance: Ok I I can certainly help you with that.

utterance: let's see here I just need to get some personal information from you OK?

utterance: Sure.

utterance: now you said your name is Kim is that Kimberly or just Kim?

utterance: no it's Kim and my last name is Johns it's J O H N S.

utterance: OK thank you so much for that and what is your date of birth?

utterance: It's April twenty-fourth nineteen seventy-seven.

utterance: OK and what is your PIN?

utterance: It's two four one zero.

utterance: Thank you. And your source of currency to be traded from would be the yen correct?

utterance: well the source to be traded from would be the US dollars.

utterance: Oh to trade to is yen. OK.

utterance: To yen.

utterance: Yeah.

utterance: All right bear with me just a second here so it looks like the current currency would be thirteen a hundred and thirteen point nine seven for the Japanese Yen.

utterance: Oh OK great so one one USD equals one one hundred thirteen point nine seven.

utterance: Yes.

utterance: Lemme jot that down.

utterance: Yes ma'am.

utterance: Ok perfect and while I have you I'd also like to add another user to my business account please. I have recently employed my brother and I'd like to get him access to my business account please.

utterance: Certainly I can help you with that. I'll have to get some information about the new user as well.

utterance: Sure.

utterance: Bear with me just a few moments OK.

utterance: Sure.

utterance: All right. What what is the new user's first and last name.

utterance: the new user's first name is David. Last name is Johns like me J O H N S.

utterance: OK and his date of birth?

utterance: His date of birth is May twenty-fifth nineteen seventy-eight.

utterance: Thank you and his PIN?

utterance: I guess we'll just do zero five seven eight for now for his birthday.

utterance: OK and what is the new user's street address?

utterance: his street address is bear with me for one second here I got all this written down.

utterance: Sure take your time.

utterance: his street address is one zero zero one let me see. One zero zero one I'm sorry I'm trying to make out his writing. One zero zero one Chestnut Drive Philadelphia PA one nine one two seven.

utterance: OK.

utterance: He just recently moved so I do not know that one.

utterance: No worries and what about the new user's social security number?

utterance: yes he did give me that. His social security number is seven zero eight five six four six seven four four.

utterance: Thank you and the new user's drivers licence and also the state that it is issued from?

utterance: his is issued in Pennsylvania as well and his is K two four eight seven five three five nine two.

utterance: Thank you. And can you please provide me with the new user's email address?

utterance: sure his email address let me see here is here we go it is D J five seven eight D J at Gmail dot com.

utterance: OK thank you so much all right so I'm a make sure I got all of his information. And would to like to receive further information about setting up online banking and for I mean so you can add a new user in the future. on to your account online?

utterance: sure yeah.

utterance: OK so what you will need to do is go into your business account and click underneath I'm sorry bear with me one moment.

utterance: They changed the site so I need to go back in here and make sure I'm telling you the right thing.

utterance: That's that's no worries actually I've just heard somebody at the front door. Do you mind holding for one moment?

utterance: Sure Sure go ahead take your time.

utterance: OK Rose. Sorry about that.

utterance: That's OK. I'm still here. It was good old Amazon, right.

utterance: Had a delivery at the door.

utterance: Oh it actually was Amazon.

utterance: I only said that cuz I constantly get Amazon but you know what do you say during the pandemic what else was there to do?

utterance: That's right. I'm sure Amazon enjoyed every bit of that Pandemic.

utterance: Right.

utterance: I forgot to ask you for your tax ID, Ms. Johns. I meant to ask you that earlier and I need that.

utterance: Oh, sure.

utterance: Sure it's zero zero nine five four zero three three two No, wait! Wait zero zero nine five four zero three Mhm zero zero nine five four zero three three four why am I feeling like it's three three four. Bear with me for one moment lemme go check lemme look at my desk real quick.

utterance: Thank you.

utterance: Sure sure go ahead.

utterance: Yes it is three three four.

utterance: All right thank you so much for providing that information.

utterance: Sure absolutely.

utterance: I did want to inform you that you can customize permissions for the new user online also for example to authorize transactions, view bank statements and transfer in between accounts.

utterance: Oh, OK.

utterance: Oh OK I didn't realize I could do all that online. Thank you so much for that information.

utterance: so welcome Ms. Johns was there anything else that I could help you with today?

utterance: no that's everything thank you so much.

utterance: You are very welcome and that you so much for calling Intellibank I hope you have a wonderful evening.

utterance: You too hun bye bye.

utterance: Bye.


utterance: Intellibank this is Sheila. How can I help you?

utterance: Hey Sheila. How are you this evening?

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

utterance: I'm doing good. Actually I am a customer of your bank. and just got home after a you know long day at the office. and going through the mail and sorting through the junk mail and the real mail and the bills that I don't want but I came across I I got this notice in the mail about you know different types of loans that Intellibank offers. I I was thinking. You know I've been teetering on the fence and thought it was that time to do some things with my business I've been wanting to do and putting off and the I didn't originally want to go the route of doing a loan but you know what? I think In the long run it's going to be the best option and investment for my business so I just wanted to go over use. I see there's like multiple types of loans and you know I do have the collateral that is needed. If need be. So I was wondering what type of loan you think would be best for me and my business.

utterance: OK. Yeah, I can totally help you with that. I would say a secured loan would be your best bet since you have collateral to put up. Because a secured loan is a loan where some type of collateral is required. but the only thing with that is you know it can be repossessed if you default on a payment.

utterance: Right.

utterance: So but do you have a few moments? We can totally set up your application and get you started.

utterance: Yeah absolutely.

utterance: All right. What is your full name?

utterance: my name is Mike Arnold.

utterance: OK Mr. Arnold. and what's your date of birth?

utterance: February twelfth nineteen eighty.

utterance: Alrighty. And what is your personal address?

utterance: My address is four fifty-two.

utterance: Mhm.

utterance: Hampton drive.

utterance: OK.

utterance: That's H A M P T O N and that's in Nashville Tennessee.

utterance: OK.

utterance: And the ZIP code is three seven two oh four.

utterance: All right perfect. And Mr. Arnold what is your social?

utterance: my social is one seven nine.

utterance: Mhm.

utterance: One one two zero seven six.

utterance: K and do you happen to have your driver's license number on you?

utterance: I do. Hang on one sec.

utterance: OK no problem take your time.

utterance: OK. The driver's license number is two four oh eight one four five three.

utterance: OK. And what state is that issued with?

utterance: That's Tennessee as well.

utterance: It is okay. all right and what is your PIN number?

utterance: the PIN is one two eight zero.

utterance: Mkay. And your email address?

utterance: my email is Mike I'm bleh. Excuse me. Mike Arnold nineteen eighty at Gmail dot com.

utterance: OK.

utterance: OK. And is that a capital M or?

utterance: Yes it is.

utterance: All right. And what's the name of your business?

utterance: Arnold enterprises.

utterance: OK. And are you the sole owner?

utterance: I am.

utterance: OK. And what is your business establishment date?

utterance: What month was that? I think it was it was March.

utterance: Mkay.

utterance: twenty sixth and that was twenty eleven.

utterance: OK.

utterance: We just celebrated our ten-year anniversary this year.

utterance: Wow! Congratulations! That's amazing.

utterance: Thank you.

utterance: What are your gross annual sales?

utterance: two hundred fifty thousand a year.

utterance: Mkay and your tax ID number?

utterance: OK. That number is kind of impressed I actually have it on hand.

utterance: zero nine.

utterance: OK.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: All right. And what is your business street address?

utterance: the business address is eighteen fifty-two.

utterance: OK.

utterance: And that's Winding Drive.

utterance: OK.

utterance: And that's also Nashville Tennessee. but that ZIP code is three seven two oh eight.

utterance: All right. and would you like your mail to be sent to the business address or your personal address?

utterance: the business. I like to keep all the junk mail and real mail separate.

utterance: Right. I understand. OK and what is the collateral type that you're going to be putting up?

utterance: my home.

utterance: You're home. OK. So what would you say the loan purpose what is? Like the main purpose? Of your

utterance: expanding the business.

utterance: OK. Business expansion. OK. And what loan amount are you looking for?

utterance: Yeah.

utterance: fifty thousand dollars.

utterance: OK and what would your loan term be? Like when do you think that you'd be able to pay that back?

utterance: eight years.

utterance: Alrighty. All right so what I just did is I just sent you a link to your email.

utterance: OK.

utterance: there'll be a another little link within the email where. It'll be a portal.

utterance: OK.

utterance: Where you can send in your supporting business documentation and you know there'll be a list of what we require from you.

utterance: OK.

utterance: You know your business license. Things like that. The deed to your house. And as soon as you get that back to us we can start the application process. It'll probably take about twenty-four to forty-eight hours for an answer.

utterance: Mkay.

utterance: So get that back to us right away so this way we can get started.

utterance: OK.

utterance: and Mr. Arnold while I have you on the phone is there anything else I can do for you?

utterance: that's everything.

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

utterance: Thank you so much for your help.

utterance: Bye bye.


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

utterance: Hi, Jerry. I want to close my savings account.

utterance: OK. I certainly will be happy to see if I can be of assistance. and if I could just ask what's your first and last name?

utterance: Benjamin Freeman.

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

utterance: Reyes Construction.

utterance: OK, and Mr. Freeman, I'm gonna ask you a few questions so that I can pull up your account. and verify it here at the bank. We do take your account information very seriously, and it's really for your protection. Is that all right?

utterance: Yes sir.

utterance: OK and First of all, Mr. Freeman, what is the business address?

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

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

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

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

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

utterance: OK, and your PIN number, what is that sir?

utterance: one seven zero nine.

utterance: OK and Mr. Freeman, I was able to pull up your account, and Let's see here. You, of course, gave me your savings account number and you mentioned that you wanted to close your smart savings account?

utterance: Yes sir, I want to close it. I'm not not happy with the what, the interest, it's not gained. It's been a while and the money ain't move. So I just wanted to close that and transfer it to the checking.

utterance: OK. So you're stating that you wanted to close your smart savings account because you are weren't satisfied with the interest rate?

utterance: Yes sir, I'm not satisfied.

utterance: OK. And Mr. Freeman certainly regret hearing that. We certainly appreciate your business and of course, would love to continue having you as a account holder with us, with your savings account. but have you been notified of higher interest rates elsewhere or?

utterance: No I haven't I just been looking at it for for a while and it it ain't move it has not moved. So I don't feel bad just closing the account out right now.

utterance: To transfer it to checking.

utterance: Understood.

utterance: So what are the fees?

utterance: I see. So you're saying that also the fees on there is just. You feel like you're paying fees and not collecting enough interest?

utterance: Yeah. I mean, the fees every month and the. Seems like the interest is zero and fees is up.

utterance: I certainly, of course, regret the concern that you had there and what I'll certainly do is you mentioned that you wanted to transfer funds from your savings account and just transfer your funds over to your total checking account?

utterance: That'd be . That's correct.

utterance: All right. And just so that you're aware, the balance in your smart savings account appears to be a hundred seventy-five thousand three hundred dollars.

utterance: Yes sir, that sounds about right.

utterance: And we'll transfer that over to your business total checking account that presently has a, a balance of approximately two hundred and fifty thousand.

utterance: Yes sir. That's about right.

utterance: OK. Mr. Freeman let me see if I can get this processed for you. are you getting ready for the end of the month? I know that this is the last week of the month.

utterance: Oh yeah, we're preparing for it right now.

utterance: I know a lot of businesses generally at the end of the month they have their inventory checks and and their end of the month reports. so it can be pretty hectic for a lot of small businesses.

utterance: It can be, but kinda staying on top of it. You know, you know, a little head, little every day, trying to keep up with it.

utterance: Understood, understood, and Mr. Freeman, I was able to process your requests. first we have gone ahead and transferred the funds from your smart savings over to your balance over to the total checking account with us, and also I've gone ahead as requested and closed your business smart savings account as well.

utterance: Thank you very much. That's what I asked and you did just that.

utterance: Mr. Freeman, let me ask, is there anything else I can be of assistance with?

utterance: at the moment I think we're fine.

utterance: Well again, Mr. Freeman, certainly appreciate you giving us a call and hopefully you'll continue keeping us in mind for your future business needs.

utterance: I will. Thank you very much. You have a good day.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. My name is Ima Blackcard. My agent number is six four three four four two. How can I help you today?

utterance: Hi. My name is Jane Morrell. And I'm calling for a secured loan. I dunno if this is a secured line real estate or whatever. I'm just confused. So can you please help me?

utterance: Well I'm so I'm so I can help you ma'am. I do apologize for your frustration. Hopefully I can make it easier for you today or better for you whichever one you choose. We need to get some information from you. May I have name your name please?

utterance: My name is Jane.

utterance: Could you spell that?

utterance: J A N E.

utterance: Thank you. You're last name please?

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

utterance: Thank you so much. May I have your personal address?

utterance: My personal address my personal address is twelve sixty-five Court Lane San Francisco California. twenty-six sixty-four two.

utterance: Thank you so much. And may I have your social security number?

utterance: My social security number? I dunno why you need that. Why you need that?

utterance: OK. We just need it for verification reasons.

utterance: my security number is thirteen forty. Sixty-five eighty-one.

utterance: Thank you. May I have your state and drivers license number please?

utterance: My state and drivers license. I stay in San Francisco California and my drivers license number my drivers license number is C A T six four five six forty-five two.

utterance: Thank you so much. And may I have your PIN to your account please?

utterance: My PIN? It should be ten twenty-two. Unless my husband changed it. So.

utterance: Thank you.

utterance: Thank you so much ma'am. And may I have your email address?

utterance: My email address is busy bee at morrell court Gmail dot com.

utterance: Thank you. And your business name?

utterance: My business name Morrell Court.

utterance: Thank you. And are you the sole owner?

utterance: Yes.

utterance: Thank you. And the date you established your business?

utterance: November eleven.

utterance: And the year please?

utterance: Nineteen fifty-one.

utterance: Nineteen fifty-one ma'am?

utterance: I mean nineteen fifty-eight. I'm sorry.

utterance: Nineteen fifty-eight? You mean nineteen ninety-six?

utterance: Yeah whatever.

utterance: Thank you so much. And may I have the amount of your gross sale?

utterance: My gross sale ninety-five thousand.

utterance: Thank you so much. And your tax ID?

utterance: My tax ID? I don't even know what that is. But let me look for it coz is I got so much paper work in here. So my tax ID is six three seven four two two twenty-one.

utterance: Thank you ma'am. And your business address?

utterance: My business address is San Francisco California Pickled Lane.

utterance: OK. And the ZIP code?

utterance: ninety-eight sixty-three two.

utterance: Thank you. And may I have your mailing address?

utterance: My mailing address? Oh. We don't have one at this time but you know I'm working on it right now. So. I'm so sorry about that I guess.

utterance: OK.

utterance: Thank you.

utterance: Thank you so much. OK. And may I ask what's the purpose of the loan?

utterance: I dunno. That's what I'm trying to figure out. And my assistant just got all this papers everywhere so I'm not sure.

utterance: OK. From what our previous conversation was you want to establish a alone for real estate, correct?

utterance: I guess. She got these papers everywhere so yes.

utterance: OK.

utterance: Can I have the cost of your real estate?

utterance: The cost of the real estate? from what I from what I got was it was twenty-five gran? I think.

utterance: Twenty-five thousand?

utterance: Yeah.

utterance: Well ma'am. We we can't do anything for under fifty starting fifty thousand starting.

utterance: Like that's the I need .

utterance: Well y'all need to call the people because that's what they told me on the phone. So.

utterance: OK. can I have the address city state and zip of your real estate?

utterance: the the hold on ma'am coz look she like I said she got these papers everywhere and I can't find anything so the the city is is one two three Purpose and Way San Francisco California ninety-six twenty-three one.

utterance: Thank you so much ma'am. And can I have the how much are you looking to put down?

utterance: Thirty. Thirty percent.

utterance: Well thank you so much. OK. I need to explain that a secured loan is something like a car loan for consumers. That if you don't make the payments, they can come in and reposes the property do you do you understand ma'am?

utterance: Yeah.

utterance: No. Can you please break that down more?

utterance: OK. Well just know that real estate loans are treated differently to the standard loan because the bank can reposes the real estate property if the customer defaults on a payment.

utterance: OK.

utterance: It is a bit similar to a car loan for the normal consumer. Thank you ma'am. Well let's get down to this. We need to get your information, so we can make sure we get everything accounted for. And you said the property was fifty thousand dollars? Correct?

utterance: Twenty-five thousand. from what I heard.

utterance: Well OK. Give me one second ma'am. And why are you needing this loan?

utterance: Because we don't have we don't have all the fund there in this account that we are using at this proper time and the the pricing they're selling this real estate loans and all this stuff and it's a a new building that he's adding to the previous building. So he wants me to pay up-front and that's just what I need and he's not being clear so I'm just going through the bank at this point because.

utterance: OK. Then please be aware that there are fees and conditions. we will need up to twenty thousand dollars up-front. OK. The loan is going to extend over thirty years. Or do you want to make that shorter? Do you we have options of five ten fifteen twenty all the way up to thirty.

utterance: Five.

utterance: Five years. Cool. So we can go ahead and get that done for you. what what we'll need to do is we've collected all that information and would you like to subscribe to our online banking so you can submit all your supporting documentation electronically?

utterance: No. I'm

utterance: Doing it all cash. So.

utterance: OK. That's fine ma'am. But we do need supporting documentation that you to need provide to us.

utterance: Yes I'mma get my assistant on it right now. she about to get fired to be honest.

utterance: Oh.

utterance: That's fine ma'am. I I apologize. we will go ahead and get all of that uploaded for you and we will still need you to have your assistant send in all that documentation to us. We can give you that email address. Would you like to write that down?

utterance: Yes.

utterance: OK. That email address is Intel bank at forms dot com.

utterance: Mhm.

utterance: OK.

utterance: OK. And is there anything else we can do for you ma'am?

utterance: No that's all.

utterance: All right. Thank you so much and you have a great day.

utterance: Before

utterance: You hang up I do need you to call the property property lawyer to get him to call me back because it's just too much going on.

utterance: Well ma'am we don't handle that portion. But we.

utterance: Who can I talk to again?

utterance: You would have to refer to your internal resources in order to speak to your lawyer ma'am.

utterance: OK. Thank you.


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

utterance: Yes, I want to set up automatic billing, please.

utterance: Sure, I'll be happy to assist you with that, ma'am. And what is your first and last name?

utterance: Evelyn Richards.

utterance: OK, thank you for that, Ms. Richards. And what is the name of the business that has an account with us on file?

utterance: John's Bed and Bath.

utterance: Thank you for that, Ms. Richards. Now I'm gonna ask a few questions in order to verify your account. We here at Intellibank do take your account security very seriously. And, of course, you may have heard over the news over the past several months of the need for increased cyber security and the increasing number of cyberattacks that have undergone many businesses. And so, this is why we here take account security very seriously. And it is for you and your business's protection. So, it is all right, Ms. Richards, if I ask you a few questions in order to verify your account?

utterance: Yes, I'm glad. You go ahead.

utterance: All right, thank you for that. Now Ms. Richards, if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right, and Ms. Richards, if I could ask, what is your account number?

utterance: All right, can you hold on just a second?

utterance: Sure.

utterance: OK, it's. My complete checking account number is nine eight four six five nine one.

utterance: All right, thank you for that. that's nine eight four six five nine one. All right, and Ms. Richards, if I could ask, what is the PIN number that you have for your account?

utterance: Yes.

utterance: One zero seven one.

utterance: OK, terrific. Thank you for that, Ms. Richards. And let me see if I can get the account pulled up here. And, Ms. Richards, let's see here. I was able to verify your account for your Business Total Checking Account. And with our Business Total Checking Account you mentioned you wanted to go ahead and set up and authorize and automatic billing?

utterance: Yes.

utterance: Transaction? OK. I'll get this set up for you. And by the way, are you looking forward to Thanksgiving? Hopefully, in a better situation this year versus last year with that pandemic.

utterance: Oh, yes, definitely. that is something that everybody's been waiting for. But, yeah, I love that time of the year and so yes, I am looking forward. It's gonna be much better.

utterance: Yes, the holidays and so it's always exciting to see how every one enjoys their holiday. a little bit of time I guess away from the office. So, I'm sure, you know, you've probably got to get your staffing right for all the vacations that people are scheduling.

utterance: Oh, yes. And to tell me about it.

utterance: Of course, of course. And Ms. Richards, let me ask, what's the name of the company that or person that you wish to schedule automatic billing for?

utterance: I want to schedule it for Johnson Wholesale.

utterance: OK, and Ms. Richards, do you know what the street address is for Johnson Wholesale?

utterance: Yes, it's nine zero seven Oakwood Avenue, Smyrna, Georgia three zero zero eight zero.

utterance: OK, I got that. And Ms. Richards, let me ask, do you have an amount that you are looking to schedule for automatic billing?

utterance: Yes, five hundred dollars.

utterance: OK. Five hundred dollars. And what is the account number that you wish to schedule the billing from?

utterance: Six on zero four nine one.

utterance: OK, and, and is this a different account than the one that you already have with us or did you want to use your Total checking account number?

utterance: Well, actually I would like leave use my account number from the same account. That's right.

utterance: OK, so you want to use your Total checking account with us. if you would, just so that I have this input into the system correctly. Could you verify what your account number is with us?

utterance: It's nine eight four six five nine one.

utterance: All right, so we'll use that as the account that you wish to schedule payments from.

utterance: Correct.

utterance: All right, and Ms. Richards, if I could ask, what's the routing number for Johnson Wholesale?

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

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

utterance: Three two eight one seven four two seven eight.

utterance: OK, and what is the account number that you wish to have payments sent to?

utterance: It's one nine four zero one six.

utterance: OK, one nine four zero one six.

utterance: Yes.

utterance: All right, terrific. And, Ms. Richards, what is the payment method that you wish to have these automatic billings payments made?

utterance: I'd like to have them made online.

utterance: OK, so you wish to have them as an online bill pay?

utterance: Yes.

utterance: All right, terrific. And I believe I have you all set up here Ms. Richards for your automatic billing to Johnson Wholesale for the amount of five hundred dollars. and is there a particular day that you'd like to schedule your payments monthly?

utterance: Yes, I'd like to schedule it on the fifteenth of the month.

utterance: All right, so it'll come out on the fifteenth of the month by online payment to Johnson Wholesale for five hundred dollars.

utterance: Yes.

utterance: from your Business Total checking Account to the account information you've already given me.

utterance: That's right.

utterance: All right. Now, with that said, Ms. Richards, is there anything else I can assist you with?

utterance: No, that's it for today and I appreciate your help.

utterance: Again, thank you for giving us a call and you have a great rest of your day.

utterance: And you as well. Thank you.

utterance: Thank you. Bye bye.

utterance: Bye.


utterance: Hi. This Jess Jones at Intellibank. How can I help you today?

utterance: Hi, Jess. I got something in the in the mail. I'm kind of interested in in the tax specialist division.

utterance: OK. Yeah. So I can go ahead and set you up with a tax specialist.

utterance: OK.

utterance: Can I start by getting your first name please?

utterance: Eugene Willis.

utterance: Eugene Willis. And is that Willis with two Ls?

utterance: yes. Yes. Two Ls. W I L L I S. Correct.

utterance: OK. Great. I'm gonna go ahead and pull up your account, can I start by getting your credit card number please?

utterance: yes, absolutely. Give me one second. I have. Are you ready?

utterance: Yes. Ready whenever you are.

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

utterance: OK. And just to clarify that was four four three six.

utterance: I'm.

utterance: Sorry. Give me one second. I put the. I put my card back in my wallet.

utterance: Oh of.

utterance: Course.

utterance: OK. Go ahead.

utterance: Four four three six.

utterance: Mhm.

utterance: Four six two zero one two six seven seven seven six two?

utterance: That is correct.

utterance: OK. Great. And now, so before we proceed any further, I need to ask you a few questions for the security of your account.

utterance: That's fine.

utterance: Can I go ahead and get your PIN number please?

utterance: Absolutely. It's gonna be three three four nine.

utterance: OK. And now I'm gonna go ahead and ask you some security questions that you might recall you set up when you created your account.

utterance: OK.

utterance: OK. What sport did you play in high school?

utterance: Basketball.

utterance: Basketball. OK. And what street did you grow up on?

utterance: Walt.

utterance: I'm sorry. Could you spell that for me please?

utterance: yeah. Absolutely. W A L T. Walt. Walt Street.

utterance: OK. Great. give me just one moment to pull up your account. Thank you for verifying that information.

utterance: You got it.

utterance: Like Walt.

utterance: Disney.

utterance: Yes.

utterance: Got it.

utterance: OK. Just one moment. OK. So I do have your account in front of me right now. And you were looking to speak with a tax specialist. Correct?

utterance: That's correct. yeah I I. For a independent business. I don't know if that matters for you.

utterance: OK. One moment. Let me pull up our scheduler. OK. Is there a specific day you were looking to speak to someone?

utterance: No specific days. I'm pretty wide open right now.

utterance: OK. Let me see.

utterance: You know. Actually, can we maybe do like next Friday?

utterance: OK. Let me check on our Friday availability. One moment please.

utterance: No I'm. I'm sorry. I'm sorry. What about. Let's do next Monday.

utterance: Next Monday. OK.

utterance: Yeah.

utterance: I should I should be more punctual. That'll probably help me in life a little bit. Let's do next Monday.

utterance: OK. One second. Let me pull up our Monday availability.

utterance: Mhm. Oh gosh. I just forgot. I have a wedding to go to. Who the fuck throws a wedding on Monday? Can. What about Tuesday?

utterance: OK.

utterance: OK. Let me check in on Tuesday. One moment.

utterance: OK. So it looks like on Tuesday, we only have two slots available. There's one at nine a.m. and then there's another at three thirty p.m..

utterance: OK. whatever's best for you.

utterance: OK. So how about we get you in there as soon as possible and do nine a.m.?

utterance: I like that.

utterance: OK. So I'm scheduling you right now at nine a.m. for that Tuesday. And how would you like this meeting to be conducted? Were you hoping to do it online or in person?

utterance: Let's do Trying to. Trying to make sure I can make it in person. If I can make it in person, that's ideal. Give me one second.

utterance: Of course.

utterance: Mm mm mm mm mm mm mm. OK. We can do in person.

utterance: OK. Great. OK. And what was your ZIP code so I can set you up at your nearest branch?

utterance: Yeah, absolutely. Seven eight two one two.

utterance: Seven eight two one two. One moment. OK. And that's gonna be our Riverband branch. OK. So I have you set up at that time and let me see who is going to be available to speak with you. OK. Jim Zachariah is going to be there at that time. He's one of our senior tax specialist and I'm sure he'll be more than happy to help you with all of your questions.

utterance: You say Jim Zacharia?

utterance: Yes, that's correct.

utterance: That's a. That's a beautiful last name. Nice.

utterance: is there anything else I can help you with while we're on the phone?

utterance: No. I think that's that's pretty much it.

utterance: OK. Well all you need to do is show up with your your ID at the branch and let them know that you have a preplanned appointment.

utterance: OK. Well thank you so much. You've been a great help and I'm looking forward to coming in person.

utterance: Thank you. Have a lovely day.

utterance: Thank you. You too.


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

utterance: Yeah. How you doing Jerry? I two things I want. I wanna make a a wire transfer. I need to check my credit card availability.

utterance: I'll certainly be happy to assist you with that. And if I could just ask what is your first and last name?

utterance: Benjamin Mays.

utterance: And Mr. Mays if I can ask what is the name of the business on the account.

utterance: Ray's Construction Company.

utterance: All right. And how's the day going there Mr. Mays?

utterance: Oh it's been a good day. It's been a good day up to this point.

utterance: All right.

utterance: And Mr. Mays that's M A Y S?

utterance: Yes that's right.

utterance: OK. And Mr. Mays I'll ask you a few questions because we do take your account security very seriously here. And of course this is for your protection. Is it all right if I ask these questions?

utterance: Yes sir. Go ahead.

utterance: All right. And Mr. Mays what is the date of birth on the account?

utterance: three twenty-six nineteen seventy. And the phone number. My phone number is four four two seven nine five three seven one.

utterance: All right. Thanks for that. I was about to ask for that as well so thank you for that additional information. And if could ask what is your business address and your email business email address?

utterance: my business address is three six eight eight Layman Court Smyrna Georgia three zero zero eight oh. My email is B Freeman I mean B Freeman at Ray's Construction dot com.

utterance: All right. Thank you for that Mr. Mays. and let me ask what is the amount that you wanted to. Oh before I get to that. One last question. what is the PIN number on the account?

utterance: Oh that PIN number is one seven zero nine.

utterance: OK. Thanks. And you mentioned you wanted to do a wire transfer?

utterance: Yes sir.

utterance: What was the amount that you wanted to transfer?

utterance: seventy-five hundred dollars.

utterance: OK. And is will that be a domestic or international transfer?

utterance: it be domestic.

utterance: OK And what is the routing number for the account that you want to deposit funds into?

utterance: Oh that routing number is six nine five eight seven nine eight nine seven.

utterance: All right. And what is the account number for that particular account?

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

utterance: Thank you for that. And you of course wanted to go ahead and initiate a wire transfer for seventy-five hundred dollars to the account that you've provided here. And I was able to go ahead and get that processed there for you Mr. Mays. And of course you mentioned as well you wanted to check your your business silver account?

utterance: Yes sir. Yes sir.

utterance: Your the credit card?

utterance: Yes sir the credit card. Yes sir. I need to get an update and see where it's at.

utterance: Absolutely. and what is your business silver credit card number?

utterance: That's four zero three five seven nine three six six two six two zero nine zero six.

utterance: Thank you for that. And let me get you pulled up here Mr. Mays. By the way how's your day going?

utterance: Oh it's good day. They say just just keep going on. And go Braves.

utterance: yes. The Braves won the World Series. That was quite quite a series.

utterance: Oh it's a good series. Went up there and whooped their butt. Got it over with.

utterance: Indeed indeed. the Braves were a good team. And you know they surprised a lot of folks. A lot of folks weren't expecting them to win it but that's the beauty of baseball. the underdog always has a chance.

utterance: Oh well I'm glad about that. We we need a champion cuz we hadn't had one for years.

utterance: There you go. There you go. Well I was able to get your business silver credit card account information pulled up and Mr. Mays I'm seeing that the account available credit balance there is or the the balance there is twenty-five thousand.

utterance: Oh I appreciate it. Thank you. I I needed to know what that was. I wasn't quite sure what it was. But thank you for that.

utterance: And and I just want to be clear. That was for the account balance.

utterance: Right. Right. I'm aware of that.

utterance: Yes sir. And I I the reason I wanted to make that distinction was I believe I may have mentioned credit limit which is is different than that. this is just the balance.

utterance: Right. That's what I wanted to know.

utterance: Yes sir. And Mr. Mays is there anything else I can assist you with?

utterance: no. That'll be all. I thank you. I appreciate everything. You covered all the bases.

utterance: W~

utterance: Thank you for your time.

utterance: Thanks for giving us a call Mr. Mays. You have a great day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Yes so I was wondering how I was. How I go about setting up automatic payments for my SBA five oh four loan.

utterance: Yeah I can help you with that. And who am I speaking with today?

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So you're wanting to set up automatic payments for your SBA five oh four loan is that correct?

utterance: Yes. That's right. I'm sorry I had a little slip of the tongue there. It's SBA five oh four that's correct.

utterance: OK. I just need to get some information from you. What is your account number?

utterance: Can you hold on just a second so I can grab that? Hold on one second I need to get a statement.

utterance: OK. So it's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

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

utterance: That's March second of nineteen eighty.

utterance: OK. So it looks like you're account has four digit PIN number on it for security purposes. Could you also share that PIN number with me as well?

utterance: Yeah so it's six four seven eight. And then my old PIN number that's two seven eight nine. I don't know if you need that one or not but I still have it.

utterance: OK. I don't need your old PIN number just your current PIN. but thank you for that information.

utterance: Jill are you wanting this payment to draw from your Intellibank preferred business checking account?

utterance: If we can do that it'd be great.

utterance: OK. So I have the rooting information for Intellibank and it looks like your payment is due on the eighteenth of every month so what I'm gonna do is I'm a schedule that payment for the eighteenth of each month. Is that OK?

utterance: Yes if that's when it's due that's fine.

utterance: OK. I'm getting that set up now for ya.

utterance: Jill every month you'll receive a statement reminder sent to your email notifying you when that payment will draft. Can you please give me your email address?

utterance: Yes so it's J Baker and it's at Johnson Controls dot com. So that's J as in Jill Baker at Johnson Controls dot com.

utterance: OK.

utterance: So it looks like your payment for that is five oh one sixty-eight. So I have your automatic payment set up for that amount of five oh one sixty-eight and that's on the eighteenth of every month.

utterance: I'm also going to schedule an automated receipt to be emailed to you every month after that payment.

utterance: So you'll get a receipt emailed after. You'll. You'll receive an email prior to the payment drafting that just kind of notifies you that the payment is going to draft. and then you'll receive an email after once the payment is made letting you know that that payment's been made. OK?

utterance: OK that's great I appreciate it. are you in Kansas City?

utterance: Yeah. I am.

utterance: So is it snowing where you are?

utterance: It. It is snowing actually. I. I looked out just a little while ago and it was. It was quite heavily snowing actually.

utterance: Oh my goodness. So I've been stuck out of town for the last few weeks. my flights got grounded because the weather had been so bad so I'm really hoping it hold off but they're calling for like another ten to twelve inches.

utterance: Yeah. I've heard that we're calling for like a lot of inches of snow and. And also ice. I think that they said there's some significant ice coming too.

utterance: So I don't know how that effects your flight. how long have you been stuck where you're at?

utterance: I've been here now for like six days. I was supposed to be like on a short three day trip for work and I've been here like an extra three days so. I'm really hoping eventually that they're able to get everything back up and running but it sounds like maybe the. The ones in Missouri now won't be accepting flights.

utterance: Yeah I. I don't really know exactly when hundred percent sure right now it's not terrible out it's just like a light dusting of snow but it does sound like it's gonna get a lot worse.

utterance: I know. I. I really hate it but I guess I'm stuck here until it gets better.

utterance: Yeah well I hope you get home soon. Jill I do wanna ask you to like just in the future if you if you decide that you don't want to do this automatic payment option you do have the ability to give us a call back to change that. what I'm also going to do is I'm going to stop those paper statements that you receive regarding your loan. That get generated for you every month. So if that's OK with you we'll stop that paper statement from getting mailed to you. Is that OK or do you still want to get the paper loan statement?

utterance: No it's fine. I mean if I'm going to be paying them automatically and getting emailed I don't need a paper one as well.

utterance: OK that's fine. I'll go ahead and get that canceled for ya.

utterance: So let me get that canceled. OK. So I have the paper statement canceled for the loan. You'll still get your regular statement. It looks like you also get just your regular banking statement. via paper so you'll still get that one we're just not gonna send this loan one out to you. You'll have to look for that one in your email. and I've got that all set up for that to automatically draft out of your account.

utterance: Just wanna make sure there's nothing else I'm missing here. also to another option that you may have like if you need to check your balance again or you wanted to sometimes with our loans especially with our SBA five oh four loans those will kind of decrease as you get to the term of your loan closer to that term of your loan. So if you do want to check and ever see if what your automatic payment is or what the account balance is. you can do that all through our online banking by choosing the loan tab. Do you have access to online banking?

utterance: I do. I have an online banking account. I've actually checked my loan information there before. So I'm familiar with it.

utterance: OK perfect. So. So just keep an eye on that too and if for any reason you need to make any changes to how you're paying just let us know now and you can give us a call back here at Intellibank. was there anything else I could do for you today?

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

utterance: All right Jill well you. Thank you for choosing Intellibank and you be careful where you're at OK?

utterance: Thank you.