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

utterance: Yes I'd like to know what my debt to is please.

utterance: Yes ma'am I'll be happy to help you with that and I'll just need to ask a little bit a information in order pull up you account, is that OK?

utterance: Yes.

utterance: And if I could just ask what is your name ma'am? First and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards what is your business name that has an account with us?

utterance: Jones Bed and Bath.

utterance: Fantastic and I'll just ask a few questions Ms. Richards in order to verify your account because we do take account security very seriously here and that's really for your protection OK?

utterance: All right.

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

utterance: Eleven eleven nineteen eighty-four.

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

utterance: All right can you hold on for a second?

utterance: Sure.

utterance: OK. Nine eight four six five nine.

utterance: All right and Ms. Richards if I could ask what is the phone number on the account?

utterance: Six seven eight two zero two four two five three six seven eight three six one eight zero three one. I'm not sure which of these you have.

utterance: All right and what is the PIN number that you have for the account Ms. Richards?

utterance: PIN number's one zero one seven.

utterance: All right thank for that Ms. Richards and it appears that it is the second number that you gave me that is the correct number on the account. Six seven eight three six one eight zero three one.

utterance: All right thanks.

utterance: You're welcome and let's see here Ms. Richards your debt income ratio for the past year on the account you're looking for any particular time period? Is it the past year? Is it the past six months? Is it the past quarter?

utterance: I'm looking for the period for the past year.

utterance: OK. All right let's see here. Let me see if I can get this for you. in this case ma'am it appears that the debt income ratio you have is about forty-seven percent.

utterance: OK.

utterance: OK and that's for the past year as you requested.

utterance: All right well that sounds a little high.

utterance: Well I mean we have a certain rule here where we generally speaking advise you not to go over sixty percent and so you know you're you know less than half which is good. You know it's certainly maybe one of those kinda zones that you wanna monitor your debt because what you may see is practically half almost half of your monthly sales are going to covering debt.

utterance: Exactly and I don't want that number to creep up any higher.

utterance: Fully understand that and with that being the case Ms. Richards you we of course offer you the ability to monitor your account as well as it relates to the debt to income ratio. We do offer tools for you that you can potentially help lower your expenses and offer suggestions because we do know that wealth management is a big part of business owners such as yourself and some of those tools that we offer can assist you in lowering those frankly monthly debt payments by cutting unnecessary cost that maybe you didn't think were about at the time but we've seen from our analysis of multiple businesses that sometimes there are certain little expenses maybe subscriptions and things of that nature that might be unnecessary to help you with your goal as you mentioned of lowering and certainly not going over that forty-seven percent debt to income ratio.

utterance: OK I think that that would definitely would be something I I'll be looking at.

utterance: Well is there anything else I can assist you with Ms. Richardson because I certainly am glad that we were able to address your concern there.

utterance: Yes. Can I get the account balance?

utterance: Absolutely I'll look in here and I see that you have a business total account with us and your account balance there is around fifty-seven thousand three hundred and six dollars.

utterance: All right. You did say fifty-seven thousand three hundred twenty-six dollars.

utterance: All right well thank you very much.

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

utterance: No.

utterance: All right well we certainly appreciate you giving us a call today and please feel free to give us a call again.

utterance: I sure will.

utterance: Bye bye.

utterance: Mm bye bye.


speaker_role: Agent

utterance: Hi this is Nicole Smith at Intellibank. How can I help you today?

speaker_role: Customer

utterance: Hi Nicole. My name is Whitney. I just have to take care of a few things over the phone with you today. first of all I would like to schedule a credit card payment and while I have you on the phone I'd like to also set up an appointment notary please.

utterance: OK, great. Yeah, I'd be more than happy to help you set up both of those things today.

utterance: Great.

utterance: So can I start by getting your full name and your date of birth please?

utterance: Sure so Whitney, W H I T N E Y. Last name is Costers C O S T E R S. And date of birth is nine seven, eighty-seven.

utterance: Nine seven eighty-seven. OK, great, Whitney. I am gonna go ahead and pull up your account. Can I start by getting your account number, please?

utterance: Mhm.

utterance: Yes. So it's seven eight three two five nine four six zero one.

utterance: OK, and that was seven eight three two five nine four six zero one?

utterance: That's right.

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

utterance: OK, no problem.

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

utterance: you know what? Let me just grab that. I'm gonna put you on hold for like two seconds.

utterance: Of course. Take your time.

utterance: OK. That was more than two seconds. Sorry.

utterance: That's OK.

utterance: All right, I've got a eight three three two.

utterance: Eight three three two. OK, great, and you did set up a few security questions when you created your account so I'm gonna go ahead and ask you those now.

utterance: OK, no problem.

utterance: OK, what is your mother's maiden name?

utterance: Ashley. And that's just A S H L E Y.

utterance: OK.

utterance: Mhm.

utterance: And what high school did you go to?

utterance: Westvill. So just West and then vill is V I L L, no E at the end.

utterance: OK, great. Thank you for verifying that information for me Whitney. I was able to pull up your account so give me just one second.

utterance: Mhm.

utterance: OK, great.

utterance: OK, and you said you wanted to go ahead and start by making a credit card payment, correct?

utterance: Yes please.

utterance: OK. Can I start by getting the credit card number please?

utterance: Sure. Four eight six two five nine three seven four nine three eight seven two seven two.

utterance: OK, and can I get the payment amount?

utterance: yes. Let's go ahead and do three thousand.

utterance: Three thousand. OK, great. And can I also get the bank account number for the account that you wanted to pay from?

utterance: Mhm.

utterance: Yes. So it is eight six four one three two five six zero four.

utterance: Zero four. OK, and can I also go ahead and get the routing number please?

utterance: yes. that is four nine two five six seven eight.

utterance: Four nine two five six seven eight. OK, and can I also get the payment date please?

utterance: Mhm.

utterance: Yes let's do the first of the month.

utterance: The first of the month.

utterance: Yeah.

utterance: OK Whitney, so I do have you down for three thousand dollars for the first of the month. You should be receiving an email shortly just letting you know that you did make a payment and that it was for three thousand dollars. OK? So and you mentioned that you also wanted to set up an appointment with our notary?

utterance: Mhm.

utterance: Fantastic.

utterance: Yes. I would love to do that for the sixteenth at noon or anywhere near noon if you have that.

utterance: OK. So let me see. Did you wanna go ahead and do that in person or online?

utterance: let me see. in person would just be at the branch closest to me. Is that correct?

utterance: Yeah. So I could go ahead and get your ZIP code.

utterance: OK, yeah. it is nine one six four five.

utterance: Nine one six four five? OK, give me just one second to locate your nearest branch.

utterance: Mhm.

utterance: OK.

utterance: Thanks.

utterance: OK, so it looks like that's our North Mariposa branch. Does that work?

utterance: Yeah that that's close enough. Let's go ahead and do that one in person then.

utterance: OK, so let me see. Did you have a specific day? Oh you said the sixteenth? you're hoping for around noon.

utterance: Yes. Yes.

utterance: Please.

utterance: OK, let me see what we have on the sixteenth. OK, we have one at twelve thirty. Does that work?

utterance: Yeah, I could do twelve thirty. That's not a problem.

utterance: OK, so I have you down for the sixteenth at twelve thirty on Mariposa.

utterance: OK, great.

utterance: do.

utterance: And I have another question. I do know how to schedule the credit card payments online but I just wanted to make sure it went through. I've been having some trouble with my internet.

utterance: Of course.

utterance: But for future reference as far as if I do need to make another appointment notary can I do that online too?

utterance: yes. You can go ahead and do that online.

utterance: OK, awesome. Is it just kind of through the main page or where is it on the menu?

utterance: Mhm.

utterance: It's it's on the right hand corner.

utterance: Oh awesome. OK thank you so much.

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

utterance: No that's it.

utterance: OK have a lovely day.

utterance: Thanks. Bye.

utterance: Bye.


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

utterance: Hello Kevin.

utterance: Hello.

utterance: my name is Katherine.

utterance: Hey Katherine.

utterance: Katherine Doogansin Hello.

utterance: Hello.

utterance: Hi so yeah I'm I'm just calling to ask a few questions about potentially potentially trying to set up a loan.

utterance: Fantastic.

utterance: Yeah.

utterance: Let me get your credit card number if you have an account with us we'll get started from there.

utterance: OK, can you just hold on?

utterance: Sure.

utterance: Thank you.

utterance: All right, it's four six three two one one two four six six two seven.

utterance: And your date of birth Katherine.

utterance: that would be November eleventh nineteen seventy-seven.

utterance: Fantastic and looks here and just your security question is the name of your pet.

utterance: Yes.

utterance: Yeah OK great. Thank yous so much. so you're looking for a business loan. Is that correct?

utterance: Mm Yes mhm.

utterance: What is the name of your business?

utterance: Hopping Hais.

utterance: Hopping Kais.

utterance: Hopping Hais.

utterance: Hais got you.

utterance: H A I Hopping Hais.

utterance: Oh got you. What do you do at Hopping Hais?

utterance: Oh we make we make team with hops and some other blend of sacred herbs.

utterance: Mhm.

utterance: OK.

utterance: And fantastic. That sounds like a lot of fun and are you the sole owner of this business?

utterance: Mhm yes.

utterance: And when did you start? .

utterance: Oh, when did I start Hopping Hais? It's been three and a half years going strong now. Yeah.

utterance: Oh, fantastic.

utterance: OK great and what so your loan. What are you looking to do with your loan?

utterance: I'm looking to establish I just I really actually what I need the loan for is you know business-related dinners and things like that.

utterance: OK sure.

utterance: Yeah to make some new connections.

utterance: OK great.

utterance: Yeah.

utterance: And what loan amount were you looking for?

utterance: Well, what what do you think's available?

utterance: Well, we need to go off your gross annual sales. So what what have those been looking like?

utterance: I think seventy-sevenish.

utterance: Ish. Yeah that's a number seventy-seven ish. type that in. I don't see the ish button on the computer here, but OK. Alright seventy-seven highest OK. Well I think we can probably set you up with about a ten thousand dollar loan.

utterance: Thousand, yeah.

utterance: Uh-huh.

utterance: OK.

utterance: Now that is a one year interest-free loan. After that, it will be at a five percent interest rate.

utterance: Oh OK.

utterance: Is that OK?

utterance: I suppose yes.

utterance: I just want to get some more information from you. What is your social?

utterance: The whole thing?

utterance: The whole thing.

utterance: Oh, three two one four three four three three three.

utterance: Great and your business is located where? Street address, city, state, and zip.

utterance: Where is my business located.

utterance: That's correct.

utterance: Yeah.

utterance: Oh it's located on fourteen seventy-nine Muffin Way.

utterance: In Pennsylvania.

utterance: OK.

utterance: Longhorn, Pennsylvania.

utterance: Yeah.

utterance: Yeah, Amish country over there right?

utterance: Huh. Yeah. Yes and that's why my holsters are doing so well.

utterance: Oh .

utterance: The Amish, The people who notoriously don't drink.

utterance: Yeah.

utterance: And don't get high.

utterance: Oh, we don't use alcohol in the extraction process. Yeah.

utterance: I see. Oh. I'm sorry. Oh got you.

utterance: Mhm.

utterance: OK, great.

utterance: Yeah.

utterance: Hops are a real medicine. You might not know it.

utterance: Yeah.

utterance: you know what I don't need to know it. I'm just the one handing out the money.

utterance: OK.

utterance: And

utterance: Sorry if it doesn't matter to you.

utterance: Alright so we've got you down here for for Hopping Hais.

utterance: Mhm.

utterance: oh, we do need your tax ID number do you have that nine-digit number?

utterance: Oh yes it's right. It's written down right over here.

utterance: OK.

utterance: Uh-huh. give me a moment.

utterance: Sure of course.

utterance: Thanks. Are you asleep?

utterance: No, I'm not going anywhere.

utterance: Ready?

utterance: I'm still here.

utterance: OK great. It's four two one seven six two one.

utterance: OK, fantastic. All right well, we are gonna go ahead and get you set up with it. I'm gonna transfer you to someone else who's going.

utterance: I I'm.

utterance: I've gotten approved for the loan?

utterance: Yes.

utterance: It's that quick.

utterance: Oh wow.

utterance: Well, you know we

utterance: We invest in small businesses here at Intellibank.

utterance: Uh-huh.

utterance: We love what you're doing with the community. Yeah, the numbers look good. So we're gonna go ahead and go ahead and give you that ten thousand dollar loan. again it's interest-free for the first year. After that it's five percent interest.

utterance: You do?

utterance: OK, I'll pay it back within the first year.

utterance: We don't.

utterance: Doubt that you will.

utterance: Oh.

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

utterance: Just blesses to be upon you.

utterance: Well, I appreciate that very much. you go ahead and have a blessed day yourself and we will send that money to you in the mail.

utterance: Yes.

utterance: In the mail?

utterance: Cash.

utterance: Incredible thank you so much. I'll wait for the envelope.

utterance: You're quite welcome.

utterance: Oh, of course. Yes. All right.

utterance: OK.

utterance: Goodbye.

utterance: Bye.


utterance: Good morning, this is Brian. How can I help you? This is. you're calling Intellibank.

utterance: Oh! Intellibank. Hey! What's up, Brian? OK. sorry, just got up I just found my phone. I left it in a Uber last night, I had to track it down. It took me. It's just . It's just a crazy method like getting your phone. Is there some sort of new rules for me to tell me that that the driver is entitled to keep anything you leave in your car like if I leave my phone in your car, you now own my phone? That seems like a really weird rule that is not legal. Like, what if I left ten thousand in cash in the car? It's not a tip, it's still my money. Some Uber driver is gonna work off with ten thousand dollars? Hey! OK. Happy lottery, dude. Anyway.

utterance: That sounds crazy, yeah.

utterance: Yeah. So luckily I got the phone back.

utterance: That's great. so, how can I help you today?

utterance: Oh! Yeah yeah yeah, I just needed to request an investment report.

utterance: OK We can set that up for you.

utterance: Mhm.

utterance: Mhm.

utterance: lemme start can I get your first name?

utterance: yes, my first name is Todd.

utterance: All right, Todd. How about your last name?

utterance: My last name is Dexter.

utterance: And your date of birth?

utterance: Date of birth is twelve, twenty-seven, nineteen ninety.

utterance: All right. you have your account number handy?

utterance: Account number is three zero nine two four eight seven one.

utterance: OK. And your PIN.

utterance: PIN twenty twenty. Two zero two zero.

utterance: All right. OK. So we have a few option, we can either mail you by, you know, paper document that's your investment report or you can get it by email.

utterance: Mhm.

utterance: Would you

utterance: Be able to just like fax that to me right now?

utterance: You know, we're not set up for fax machine. it's just for security reasons.

utterance: We're not doing that as an option.

utterance: Could you like, take a screenshot and send it send it to me right now as a text to my phone. on your phone, like just use your personal phone or whatever. I just wanna. kinda wanna get it quick.

utterance: Yeah, I'm sure that would be a great thing. It's just, it's against our policy, has to do with, you know, legal reasons and.

utterance: And all that but I just want like I dunno some sort of media record, maybe you can like if you could just recite the numbers for me and I can jot them down, is that. Would that count as an official report if report, if I was gonna take like take this to some credit union and just try, you think they they they'd be OK with me just writing down some numbers and taking them in?

utterance: No, there could be a lot of issues that I wouldn't want you to go through all that trouble. I mean, how about an email, would that work? You keep that pretty much instantaneously.

utterance: OK.

utterance: You you email it to me?

utterance: Yeah, will it'll come from Intellibank dot com, you'll get an email and you know, you can get it almost right away.

utterance: that's OK. Hey whoa! Whoa! Whoa! Whoa! Hold on one sec, OK. Hold on, I think I'm getting another call. Hold on.

utterance: Sure.

utterance: Oh! Hey! Whoa! Dude, guess what just happened? This is crazy. The Uber driver just called me back saying, gimme back my phone. This is my phone I left in his car but he's saying because of the rule, that anything I leave in his car is his. It is now his phone cuz he just learned that rule and he's trying to like basically, steal my phone but according to their policy, it's his phone. Oh! What's going on in this world? I don't know.

utterance: What?

utterance: Yeah, you need to contact someone there. That's a.

utterance: Yeah!

utterance: New thing I've heard

utterance: Man! Anyway, what were we doing?

utterance: so we talked about sending it to your email, will that work?

utterance: What were we doing?

utterance: Oh! I was calling about the investment report. Right, right. Yes yes, I'd like to get it as soon as possible so if email's the best way, why don't you shoot me an email.

utterance: OK. Can you verify your email account?

utterance: Uh-huh! OK. My email is comic the con at Hotmail dot com.

utterance: Right. OK. we this email, yeah. I'm gonna send that to you, might take a minute or two to get it. You click on the link, you got to log in with your information again and you can download it. do you have any other questions for me?

utterance: No, that's it but thank you so much for your help.

utterance: Yeah, nope. you've. You're welcome. You know, we have a survey to do at the end. if you feel like already helped you then I really would appreciate it if you would fill that out, it only takes a minute.

utterance: All right, thank you.

utterance: You're welcome, take care. Thanks.

utterance: Bye.


utterance: Intellibank this is Lauren how can I help you?

utterance: Hey Lauren how you doing? I just went to my mailbox and got my mail and I got a letter from you guys saying there's a rate increase. And I'm really kind of confused because I thought I was like locked in through this year.

utterance: OK no problem let's look into that. What is your full name and date of birth?

utterance: OK my name is Keith Benson. B E N S O N.

utterance: OK.

utterance: And my date of birth is June twenty-first nineteen eighty.

utterance: OK Mr. Benson and what is your PIN number?

utterance: the PIN is oh seven oh two.

utterance: OK let me just take a look at this correspondence that we sent you. OK if you look at like the very bottom it's just kind of giving you a heads up. That after this year after this period then you're gonna have a little bit of a rate increase. But not yet you still have about almost fourth months until that. They just. We just send it out to you like aware that it's coming. But it's not increased yet.

utterance: Hmm OK.

utterance: It'll

utterance: Be for next year.

utterance: OK. So I I mean you guys gave me a heads up and in other words you just, wanted to waste some paper.

utterance: I know I know.

utterance: which which kind of like Now that I say that it kind of makes me think how about I help you stop wasting paper? And can you help me get set up for online banking. This way I can change how I get my My statements delivered. That's why you don't have to waste a stamp waste paper. And I can just look online and check everything out there.

utterance: Yeah that would be great. That's that is. I recommend that to customers all the time. It's the easiest method. like you said it is kind of helping to save the planet. I mean if everyone did a little bit of that it would really help.

utterance: Yeah it's kinda It's kind of crazy though. It makes you wonder and like think like you know with more and more situations like this. Switching to online situations where you can just do everything online. who's gonna mail letters? Who's gonna. Who's Who's gonna mail bills? Who's gonna mail letters? Who's gonna buy stamps? It's just a. It's a interesting change that the world is going through.

utterance: Mhm.

utterance: Right.

utterance: Mhm.

utterance: It's so true. But some people really. They're just so stuck in their ways. Like you know my mom and my grandma they don't wanna do that. They don't wanna do online banking. They kind of have this thing where like they think it could be stolen online. You know they just have like a different mentality when it comes to that.

utterance: Sure.

utterance: That's that old school mentality.

utterance: So, yeah.

utterance: Exactly but. All right so let me. What I can do is I'll. The easiest way to do it is I'll send you over a link to your email. I'll I'll confirm your email in a second. And then just click on that link and it'll prompt you through to start your online banking. It's very very very simple. It's like a step by step walkthrough. So what is your email?

utterance: It's K Ben.

utterance: OK.

utterance: Nineteen eighty.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK. All right so I sent that over to you. And you'll get. I also sent you like. You'll get like a welcome email into The world of online banking and all that stuff. And also I know that you're a small business owner I see. So do you have an. like our Intellibank gold card or silver business card? Do you have any?

utterance: you know what I do not.

utterance: OK can I send you? Do I have your information to send you some info on that? Because there's some really great perks that business owners really are taking advantage of that are. customers of Intellibank. You can get tons of discounts on different. Like phone, different companies offer if you partner with them offer you discounts. It's like a plethora of so many things. So I can email that over to you and you can look it over.

utterance: Yeah. Yeah, that that that would be great. and as a matter of fact I was even wondering too like. Would I be able to So basically all. We'll say under the same roof.

utterance: Is that OK?

utterance: Mhm.

utterance: I can do all my online business and personal banking all at shot then.

utterance: Well we don't we don't offer personal accounts.

utterance: OK.

utterance: We only have business. and small business and and business accounts. So it would just be all. everything you do through your business.

utterance: OK.

utterance: OK.

utterance: It wouldn't be any personal accounts.

utterance: OK.

utterance: OK.

utterance: That's fine.

utterance: All right great so I'll send that over to you. And if you have any questions we try not to make you have to call back. You know to keep wasting your time with phone calls. But if you have to and you have some questions please always feel free to call back. our customer service line is open until eight p.m. eastern. So if you need to speak to someone, or you know you can always drop into your local branch.

utterance: Yeah that I mean that would be great. I mean it would be easier just to call then then to.

utterance: Mhm.

utterance: You know go to a local branch. So I I mean I'm would probably just actually call back to make sure everything's you know correct. And this way moving forward we can save some stamps and save some paper and save some trees.

utterance: Yeah.

utterance: Mhm.

utterance: That sounds great Mr. Benson. Is there anything else that I can help you with?

utterance: that's it for now.

utterance: All right you have a great day.

utterance: Thank you you too.

utterance: Bye bye.


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

utterance: Hello, how are you? My name is Albert Jones and Everything is well. All is good. now that I got somebody on the phone Yes, I need I need something where I can, you know, first and foremost, I I I called earlier and people was just giving me the runaround, man. I really couldn't do it and I tried to get on the app and then get on a computer and, you know, navigate my way through the functionality of the system, software that you guys have. But you kept updating everything so I got lost all over again.

utterance: Hello, Mr. Jones.

utterance: Uh-uh.

utterance: Oh.

utterance: Ah.

utterance: Got confused I couldn't find my way around the homepage, you know, to execute my original intent of what I needed to be done you know, thing is booming out here and, you know, cryptoman so, you know, I'm doing a lot of stuff right now. Day trading and man I'm I'm. It's booming right now, it's a bull run, so I really need all my, you know, documents and paperwork, you know, to show certain things for these different exchanges and I'm definitely at a halt. And it's annoying, and I'm just trying to figure out exactly what I need to do. so, it's it's a lot going on right now so.

utterance: That does sound like a lot, sir. I can certainly help you out with that. So you are looking to get a statement.

utterance: Yeah.

utterance: Thank you.

utterance: Statement of your account?

utterance: Yes, a bank statement. Exactly. that's exactly what I need. Thank you.

utterance: Excellent.

utterance: Perfect. No problem. I can help you out with that.

utterance: Thank you. I know that's a lot.

utterance: All right.

utterance: now can you just give me your your name again and your date of birth?

utterance: Yes, yes. My name is Albert Jones. date of birth is zero two fifteen nineteen ninety-two.

utterance: And then can you give me the PIN number associated with your account and the account number?

utterance: Ah, yes. Hold on real quick. Let me see if I have it real quick, I think it's in my other journal.

utterance: OK.

utterance: OK.

utterance: All right, sir, I think I have it. This is it. Are you ready?

utterance: Sure.

utterance: All right. It's seven six one five four three three three one one.

utterance: Great, and the PIN number?

utterance: PIN number is eleven twelve seven.

utterance: Excellent. now I'm seeing your bank statement information in front of me. It looks like this is your business checking account. currently has forty-three thousand dollars. and forty-three thousand and twenty-five dollars. does that sound correct?

utterance: Yes.

utterance: Absolutely, absolutely. Oh, and another thing too. This has my it has my address and everything on it too, right? On the on bank statement and everything. Because I believe that they are gonna they are gonna need that because I'm actually doing this for you know, a new exchange, so in setting up my other trading account and the account.

utterance: So you'd like to

utterance: Change the address on file here?

utterance: No, I don't wanna change it. I just wanna make sure that it's on there, so when I do show the bank statement, they see that.

utterance: Yes, yes. Your address is on file. Is it still forty Dudley Avenue, Venice California. Nine zero two nine one?

utterance: OK. Cool. Cool. Cool.

utterance: That's exactly it.

utterance: Great. and would you like me to mail a copy of this statement to that address or would you like it emailed to you?

utterance: Oh do you mind doing both?

utterance: Sure, absolutely. it's with the.

utterance: OK. I just like to be

utterance: Overprepared.

utterance: So the email I have on file for you is Albert dot Jones at Gmail dot com. Is that still correct?

utterance: That's exactly it. Thank you so much.

utterance: Excellent. So I'll be e-mailing out a copy of this bank statement to that address and as well will be mailing you a hard copy, so you'll have that. and this information is also available on the website at any time you like. It's just at Intellibank dot com. If you then use that account number and that PIN you should be able to view that information and to also pay any of your bills or employees or take care of any other payments and loan information on there.

utterance: Awesome. All right, I think that makes me feel very comfortable.

utterance: Great. So I can help you out today or is there another issue I can assist you with?

utterance: No. Man. Just I'll give you some word of advice. Get your crypto, bro. Get in crypto. crypto.

utterance: I know. I've been curious.

utterance: I've been curious about it. It looks a little daunting, you know, there is a lot of different currencies out there, but it's really is exciting.

utterance: Honestly, man, I I, you know, you probably can't do it over the phone but, you know, I focus on the blue chip D five gaming coins and a few memes. Not really a lot but I stick to what companies will be here in ten years plus. And, honestly man, I haven't I you know, I got at one sixty a hundred and sixty-six dollars. And now it's moving up to five thousand. soon will be hitting ten K so, you know, My belly has never failed me so. But thank you so much. I greatly appreciate you, man.

utterance: Oh.

utterance: That's .

utterance: Fantastic.

utterance: I will. Well, thank you for for. Doing business with us and we look forward to help you in the future.

utterance: I'll be looking for those documents.

utterance: Thank you so much. God bless.

utterance: Thank you.


utterance: Intellibank. This is Gwen. How can I help you?

utterance: Hey Gwen how are you doing this morning?

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

utterance: Doing good doing good. I'm hanging in there and just going going through the bills of the month. That's probably the least I'd say as a as a male business owner mhm this is probably the least favorite time of the month, compared to the woman's least favorite time of the month.

utterance: Oh.

utterance: Because this is when I get my PMS and I and I get cranky and moody and yeah.

utterance: Oh, no.

utterance: Oh.

utterance: Yeah so.

utterance: Well I can sympathize with that.

utterance: Yeah. Unfortunately I'm sure you can, I wish nobody had to go through it male or female.

utterance: so anyway the the reason I did call Intelligent Bank today was

utterance: Oh my gosh! Did you just say Intelligent Bank?

utterance: I

utterance: You just said Intelligent Bank. That's so interesting because you're the third person this morning to say Intelligent Bank. And it happens you know a few times a week but it's been happening a lot lately.

utterance: Well I guess that's probably a compliment because people think that you guys are you know Intelligent.

utterance: Yeah I guess I mean but I really like it's so funny to me. I I'm gonna tell my supervisor like maybe we should change the name to Intelligent Bank.

utterance: Or or maybe that should just be like the nickname. It would it would probably be too too much too expensive to change all the.

utterance: Yeah.

utterance: Yeah.

utterance: The names, and branding and everything else.

utterance: True.

utterance: We could just be like Intellibank. The Intelligent bank.

utterance: Yeah.

utterance: There you go. There you go. I like it I like it. So why did I call? Oh yeah trying to be intelligent myself or anything. Oh I like I said I was going through my monthly bills for the month and I needed to make a payment from my business credit card.

utterance: OK yeah I can absolutely help you with that.

utterance: OK.

utterance: What is your first name?

utterance: It's Harry.

utterance: OK, and your last name?

utterance: Porter not Potter. Harry Porter. People say it all the time.

utterance: Porter. Oh yeah, that's so similar.

utterance: Yeah.

utterance: I could see that.

utterance: Yeah.

utterance: Oh, wow. So.

utterance: Thank god I wasn't a kid when the those movies started coming out.

utterance: Well you know some adults enjoy Harry Potter.

utterance: Yeah I just pictured my self will be tortured in school being called Harry Porter all the time.

utterance: Aww I'm sorry. OK so what is your date of birth?

utterance: It's June sixteenth.

utterance: Mhm.

utterance: Nineteen sixty-six.

utterance: OK. So what is your PIN number?

utterance: Sixteen sixty-six.

utterance: All right. And your payment account number?

utterance: hang on one second. All right that account number is zero eight eight six.

utterance: OK.

utterance: One one seven zero nine.

utterance: OK. And what's the routing number on that?

utterance: That number is zero zero one mhm six zero seven nine six five.

utterance: OK. And what what payment amount are you gonna be doing?

utterance: three hundred and fifty dollars.

utterance: OK. fifty. And when do you want the payment to take effect.

utterance: you can you can do it today that's fine. Yeah absolutely.

utterance: Today? OK.

utterance: So you know that it's usually the fifteenth of every month that you have until.

utterance: Yes. Yes.

utterance: OK.

utterance: OK, I got all of that in. And. Do you. OK so that I process that. Are there any other credit card that you wanna pay right now? While I have you on the phone?

utterance: No. That's the only one right now.

utterance: OK and you know what Mr. Porter I just want to let you know you, if you set up for online banking.

utterance: OK.

utterance: You could do this yourself. you can do it from. You can like download the Intellibank app on your phone, or you can you know hop on your laptop or your desktop.

utterance: OK.

utterance: And just go to your account and pay your bills. You can even just set up a recurring. instance you could do that. You can transfer funds, you can look at. You know we we send you emails with your online banking statements, telling you what's going on monthly at the locations near you.

utterance: Oh.

utterance: That sounds.

utterance: Why have I never signed up for this before?

utterance: I know you should. All right so you want me to set you up with the next steps of that. OK. All right, what's your social?

utterance: Yeah, please.

utterance: the social is one seven nine mhm one one two zero seven six.

utterance: OK. All right. So I set you up with that. You're gonna get an email, you just need to read that over, e-sign it and it'll start your online banking. You'll get in about twenty-four hours you'll get the new account number. And it will give you instructions of. You know a welcome. All that great stuff.

utterance: OK.

utterance: OK.

utterance: And yeah. You you should. I sent that over to you so.

utterance: Great.

utterance: You could get started on that right away and is there anything else I can help you with Mr. Porter?

utterance: No that seems to be everything.

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

utterance: Thank you.

utterance: Take care.

utterance: You too.

utterance: Bye bye.


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

utterance: Hello. I'm interested in opening a savings account for business.

utterance: Oh, I can certainly help you with that. Have you ever had an account with us before?

utterance: No.

utterance: OK. And what made you call Intellibank today?

utterance: I hear you all have good interest rates.

utterance: Oh OK. Well that's great. So I do you have a business savings account. It's called the Business Smart Savings Account. And that's the only savings account for businesses that we offer, though we do have business checking accounts, and also business loans, just so you are aware.

utterance: OK.

utterance: So can I get some information from you so that I can pull up and make an account for you here.

utterance: Yeah, but first I'd like to know what the interest rate is on the business savings account.

utterance: So for the first year it's a zero interest rate. As long as you have a a balance of five thousand or more.

utterance: OK.

utterance: How does that sound?

utterance: Do I have to have a balance of five thousand to open the account?

utterance: No. To open the account you only need a two thousand dollar deposit.

utterance: OK.

utterance: It. Just you get the better interest rate with the five thousand dollar balance.

utterance: OK.

utterance: OK. So can I have your first and last name please if if you would.

utterance: It's Tammy with a T.

utterance: OK.

utterance: And my last name is Couch.

utterance: Could you spell that for me?

utterance: C O U C H.

utterance: Great. Thank you. And can I have your date of birth please.

utterance: May ninth, nineteen fifty.

utterance: OK. Just one second here. And your street address please.

utterance: It is eighteen thirty-five Rice Boulevard.

utterance: OK.

utterance: And I'm in Fairborn, Ohio.

utterance: OK. How do you spell Fairborn?

utterance: F A I R B O R N.

utterance: OK. And your ZIP code please.

utterance: Four five three two four.

utterance: Great.

utterance: Could you hold on a minute? I'm going to turn the TV down.

utterance: Absolutely.

utterance: OK. I'm back.

utterance: All right. Thank you. Are you ready. I need your Social Security number if you're ready to give me that please.

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

utterance: OK. That's good. And then your driver's license number please.

utterance: That's S like Sam, T like Tom, two eight zero eight eight one.

utterance: Thank you and what state is that issued in please?

utterance: Ohio.

utterance: OK. Great. And I need you to make a customer PIN number for us so that you can use that the next time that you call.

utterance: OK.

utterance: It needs to be at least six digits long.

utterance: OK. Let me think for a minute.

utterance: Sure.

utterance: OK. how about five seven zero seven seven one.

utterance: That sounds great. Thank you. And then the next thing that I'm gonna need from you is your business name.

utterance: It's Brass and Chain.

utterance: OK. Brass spelt B R A S S. And. A N D. And then Chaine. C H A I N E.

utterance: Yes.

utterance: OK. And are you the sole owner?

utterance: Yes, I am.

utterance: All right and can you give me the date the business was established?

utterance: let me think for a minute.

utterance: Sure.

utterance: It was January first I believe and twenty twenty.

utterance: OK. And then I need the gross sales for the last year please.

utterance: Approximately.

utterance: Let me look at my records. Hold on a minute.

utterance: OK.

utterance: OK. I'm back.

utterance: OK.

utterance: I'm showing a hundred and twenty-five thousand.

utterance: OK. Great. And then I need a your tax ID number that you use when you file your taxes.

utterance: It's the same as my social security number but I'll give it to you again.

utterance: Thank you.

utterance: OK. And then I need the business address. The street address first please.

utterance: It's one seven zero eight Montgomery Avenue.

utterance: OK. And the city and state.

utterance: That's in Fairborn again.

utterance: OK.

utterance: Ohio. Four five three two four.

utterance: OK. Thank you. Give me just a second. And then for. Yup, the mail that we send to you about your account and your information, would you like that to go to your business address or your home address please?

utterance: I think I rather it come to my home address.

utterance: OK. And that's in Ohio. Correct?

utterance: Yes.

utterance: Four five three two four?

utterance: Yes.

utterance: All right. I just want to make sure. So, what do you think your initial deposit into the savings account would be?

utterance: I have three thousand to deposit.

utterance: Great and would you like to provide the the routing number and if the funding number of the account number for the other bank?

utterance: Oh OK.

utterance: So if you would give me the routing number first that would be helpful.

utterance: It's five eight eight zero one two.

utterance: OK. And then the account number?

utterance: that was the account number.

utterance: Oh. OK. So the five eight eight zero one two is the account number.

utterance: And the routing number is zero zero one three four zero.

utterance: Great. Thank you. All right. I know that was a lot of information to ask. Thank you for your patience. So, I'm going to go ahead and open the smart savings account for you today if that's still what you'd like to do.

utterance: Yes.

utterance: OK and the first year, like I said, there's no interest if you keep a five thousand dollar balance. So you have a month to increase that balance before you'll see any interest. And there is no fee with this account either.

utterance: OK.

utterance: OK.

utterance: So, is there anything else that I can help you with today?

utterance: I don't think so.

utterance: OK, And is. Do you have time for me to tell you about online banking?

utterance: Yes.

utterance: OK. That would be great. So with this account you'll be able to set up your online banking.

utterance: OK.

utterance: You're going to go to W W W dot Intellibank dot com and on top of the page there's a tab for online banking and you'll click that.

utterance: OK.

utterance: And then there's a a button that says register.

utterance: OK.

utterance: And it's gonna ask you for your account number, and your. I'm sorry, not your account number, your Social Security number and your customer PIN that you gave me. So, the customer PIN again is five seven zero seven seven one. You'll want to write that down.

utterance: OK.

utterance: OK.

utterance: And then that will allow you to set up your account. You're going to use the business address when you sign up.

utterance: OK.

utterance: And then that will allow you to see your balance, any fees, any transactions from that account. you'll be able to make transactions. If you open another account, you can do transfers. How does that sound?

utterance: Sounds great.

utterance: OK. Well, do you have any other questions before we go?

utterance: Yeah. Did. Did you say. Excuse me. Did you say if there's a monthly fee?

utterance: There is no monthly fee on this account. No.

utterance: OK.

utterance: OK.

utterance: Thank you.

utterance: You're very welcome. I hope you have a good day today. Thank you for your business at Intellibank.

utterance: Thank you. Bye.


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

utterance: Good day Laura. How are you today?

utterance: Good day to you. I'm doing pretty well, how about yourself?

utterance: I'm doing well. so I'm probably considered one of these dinosaurs where you know even though I am a business owner, I really don't do too much stuff on the internet. I used to. I have you know my people that do it for me. But everybody keeps telling me that I just get with the times. Come come into the the new millennium and and join the normal people and just start doing your banking online. That it's going just to be so much more simpler and convenient for you, instead of constantly having to go there or call people like yourself and you know just do it yourself and and step up and lose the dinosaur in you.

utterance: Mm.

utterance: Lose the dinosaur.

utterance: Yeah.

utterance: Well.

utterance: Let me just tell you. I love when customers call. If customers did not call, I wouldn't have a job.

utterance: That's true.

utterance: So I enjoy speaking to our customers. But, if it's going to make your life more convenient. That's what Intellibank wants, especially for our small business owners. You're very busy. You know you might not have time to jump on a call, or go into a branch. So I mean you could try it because you can do a lot of things with the online banking. You can You know you can look at your accounts twenty-four hours a day. You can transfer money. You can set up automatic payments, which is really popular. what do you think?

utterance: Yeah You know it's the the the scary thing to me has just been I'm like scared to take that leap because I hear you know these these nightmare stories about people's accounts getting hacked and it just really scares me.

utterance: Mhm.

utterance: To do that.

utterance: Well I can assure you that we have. You're a hundred percent secured. If if there was any shot of somebody at the rare occasion that somebody might be able to do that you're insured by us. You know we we would be liable to give you your money.

utterance: OK.

utterance: So you don't have to worry about that.

utterance: OK.

utterance: You would get your money back. so that's. I mean what I can do is I could just, if you're not ready I could just send you a link to all the information about online banking. The the you know the positives about it. And you could just read through it or you could even like go into a branch and speak to someone in person. Either way.

utterance: that's more my speed. Let let. How about. All right. Let's let's let's put that on hold right now. Lemme. you you can send the email over to me

utterance: OK.

utterance: OK.

utterance: OK. No problem.

utterance: You know at.

utterance: Some point I'll probably go through and read the email. but yeah I think maybe I might just go and sit down with somebody at the bank and maybe they can even gimme like a walkthrough.

utterance: Yeah.

utterance: Mhm.

utterance: To put my mind at ease.

utterance: Yeah. They absolutely could. Absolutely so. But you want me to send you the email for now?

utterance: Yeah.

utterance: Yeah Let's do that and let's can we continue with the old dinosaur method and could you schedule my next loan payment for my business loan

utterance: OK.

utterance: Yes.

utterance: Yes. Absolutely. So yeah. For. Let's start off. Let's get your first and last name.

utterance: OK. my name is David Stevens.

utterance: OK Mr. Stevens. And what's your date of birth?

utterance: May twenty-ninth nineteen sixty-nine.

utterance: OK. And your pin number?

utterance: the PIN is two nine six nine.

utterance: OK. And when you're ready your loan account number?

utterance: let me grab that for you. OK. The loan account number is zero nine.

utterance: Mhm.

utterance: One five.

utterance: OK.

utterance: Seven one six six three.

utterance: OK. And the payment bank account number.

utterance: OK. That account number is zero eight.

utterance: Mhm.

utterance: Eight six.

utterance: OK.

utterance: One one seven.

utterance: Mhm.

utterance: Oh nine.

utterance: OK. And the payment routing number?

utterance: the routing number is zero zero one.

utterance: Mhm.

utterance: Six oh seven.

utterance: OK.

utterance: Nine six five.

utterance: OK. And what date would you like the payment to come out?

utterance: it's due at the end of the week but we we can just do today. That's fine.

utterance: Right.

utterance: OK.

utterance: So you wanna do today's date?

utterance: Yeah.

utterance: That's fine.

utterance: So the the eighth. OK. All right. And so when you get a chance give me your email and I'll send you over that link about online banking.

utterance: OK. The email is D for David.

utterance: OK.

utterance: Stevens.

utterance: Mhm.

utterance: Nineteen sixty-nine.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. And is the D capitalized or?

utterance: Yes.

utterance: OK. All right. I sent that over to you. So yeah just take your time. Whenever you want read through it. Like I said you can just hop into your branch. And speak to someone in person. We're always happy to help. And Mr. Stevens is there anything else I can help you with today?

utterance: That's it.

utterance: All right. Well thank you for calling lntellibank.

utterance: Thank you so much.

utterance: Bye bye.


utterance: Hi this is Ramona Perez at Intellibank. How can I help you today?

utterance: Yes Ramona I am just looking at some things I have put money into in the last year or two but I kinda keep my own records on a like an Excel spreadsheet and a Google Doc and it's pretty well tedious keeping up with them myself. I'm like what does my bank have something like this or I don't know.

utterance: OK so it sounds like you're maybe looking to get an investment report?

utterance: Yes so you'll have all this information kinda laid out in a in a sheet you can tell me send me?

utterance: Yes.

utterance: OK if yeah can you send me that?

utterance: Yeah OK. I'd be more than happy to help you out with that today. Can I start by getting your first name and your last name please?

utterance: Oh boy yeah. It's William W I L L I N Boroughs B U R R O U G H S.

utterance: OK and sorry I I think I misheard you. What was your what was the spelling on your first name?

utterance: William W I L L I A M.

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

utterance: December thirtieth nineteen eighty-one.

utterance: OK December thirtieth nineteen eighty-one. OK William I am going to go ahead and pull up your account. Can I start by getting your account number please?

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

utterance: OK and just to confirm that was four eight four zero three nine six two?

utterance: That's the one.

utterance: OK great. So before we can proceed any further I am going to need to ask you a few security questions to maintain the integrity of your account.

utterance: yeah I'm ready for that.

utterance: OK can I start by getting your PIN number please.

utterance: Four two four two.

utterance: Four two four two. OK great and I don't know you might remember that when you created your account that you did set up a few security questions. I'm gonna go ahead and ask you those now.

utterance: Yup all right.

utterance: OK what high school did you go to?

utterance: San Mateo S A N M A T E O.

utterance: And is that two words or one?

utterance: Two words.

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

utterance: Peters P E T E R S.

utterance: OK William. Thank you for verifying that information for me. I am able to verify your account so give me just one second to pull that up.

utterance: Yup well go ahead.

utterance: OK so I do have your account in front of me and you mentioned that you wanted to get some information about your account so I can go ahead and create an investment report for you.

utterance: Yeah just send that Where do you send the investigated report to?

utterance: it's the investment report.

utterance: Oh oh sorry.

utterance: And we can do that a a couple ways. So we can either send that to you by paper or we could do it by email or we could do both.

utterance: I think just go ahead and email it to me.

utterance: And email it to you. OK what email would you like that to go to?

utterance: that's Tupperware at Gmail dot com.

utterance: Tupperware at Gmail dot com. OK and we are able to send it to mutiple accounts if you wanted to go ahead and do that if you had somebody else that you needed to keep in the loop.

utterance: No that's fine. Just send it to me.

utterance: OK great. OK so I am going ahead sending that to Tupperware at Gmail dot com.

utterance: But will I still also receive it in the mail?

utterance: so you so you want to go ahead and do paper you get the paper report as well?

utterance: oh yeah you just maybe think I should save some paper. No that's fine. Email's fine.

utterance: OK so that did I did go ahead and generate that and should be going to your email. if you don't see anything in the next two hours check your spam folder and it cuz sometimes it goes there.

utterance: OK.

utterance: OK so that is good to go. Is there anything else that I can help you out with?

utterance: Real quick if I don't know if you can process this but I was looking at. I have a business gold card through you and I was noticing the balance is real low. It's like eighty-six dollars and I just wanna kinda pay it off today and get it down to zero.

utterance: OK go yeah we can go ahead and do that. did you want to proceed with the with the checking account on file? Did you wanna pay from that or?

utterance: If that's easiest. Why not?

utterance: OK great. Let me just double check and so the routing number on that one is four zero one nine four five?

utterance: Four zero one nine four five. That's it.

utterance: OK great and you said you wanted to go ahead and do the full eighty-six dollars.

utterance: Yeah just wipe it out.

utterance: OK great and did you want that to come out of the account today or at a different date?

utterance: Oh make it December second.

utterance: Ok so I'm gonna go ahead and I'm marking that the full eighty-six dollars for December second and it's from your account ending in two zero five four.

utterance: Great.

utterance: OK so that is good to go. You should be receiving an email confirmation on that shortly. Is there anything else that I can do to help you today?

utterance: No thank you.

utterance: OK great have a lovely day.

utterance: You too. Bye.


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

utterance: Hi I'm trying to get into the into my account. I've tried the website. It seems to be down. I can't find what I'm looking for on the automated service on the phone so I had to request to speak to a representative. But honestly I'd prefer to speak to someone anyway than talk to the robots you know?

utterance: Oh of course I understand. sorry to hear you were having problems on the website. what information were you trying to get on the website so I can help you here?

utterance: I was trying to check my loan balance.

utterance: OK your loan balance do you know if you have a term loan, a secured loan or a real estate loan?

utterance: Oh yes it's a real estate loan.

utterance: OK real estate. Sir let me just get some information so I can pull up the account. What is your name please?

utterance: Gilbert.

utterance: G I L B E R T?

utterance: Yes.

utterance: And your last name?

utterance: Dunn, two Ns.

utterance: D.

utterance: OK I was gonna say D U N N.

utterance: Yes.

utterance: OK and then I will also need your date of birth.

utterance: Yes it's four two eight four.

utterance: Four two eight four?

utterance: Yes.

utterance: OK one moment.

utterance: Oh also my social security number is three four seven.

utterance: Oh that's OK. Thank you though. I don't need your social security number. That's your confidential information.

utterance: All right and what is the account number for your real estate loan?

utterance: one second please.

utterance: OK.

utterance: Sorry I'm looking for it.

utterance: That's OK.

utterance: Is this it? I see a I have a couple of loan account numbers here. I have a I have an account with a different bank as well. I'm not sure I forgot to label which one was which could you could you try this one and see if it.

utterance: Sir and to let you know it should be between a six to ten digit account depending on which oh we're looking up the the real estate loan. That should be a six digit number.

utterance: Yeah unfortunately all three of these are six digit numbers.

utterance: OK let's go ahead and give one a try.

utterance: OK. Four four two one eight six.

utterance: Four four two one eight six.

utterance: Yes.

utterance: OK No that is not the right account number. Do you have a different one?

utterance: I do.

utterance: OK.

utterance: You ready?

utterance: Mhm.

utterance: Nine eight.

utterance: Nine eight.

utterance: Two four.

utterance: Two four.

utterance: Five six.

utterance: Five six all right let me try that. Yes sir that is correct. That let me see here pulls up your real estate loan. and you were asking me for the balance is that correct?

utterance: Yes.

utterance: All right let me look that up here. The balance on the real estate loan right now is four hundred thousand three hundred dollars.

utterance: Four hundred thousand?

utterance: Mhm.

utterance: OK.

utterance: Four hundred four hundred thousand three hundred.

utterance: OK.

utterance: And and no cents even.

utterance: No cents. Just like the person that owns the loan.

utterance: OK see that that's your balance. Did you need to know the date of your next payment?

utterance: no I know when the date is. I think that's everything I need actually.

utterance: Ok~

utterance: OK.

utterance: And I'm sorry to hear you were having trouble with the website but that if you have trouble again please feel free to call us again. Is there anything else that I can do to assist you tonight?

utterance: No I think that's it. Thank you.

utterance: You're welcome Mr. Dunn. Thank you and have a great night.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Hello thank you very much for calling Intellibank. This is Robert how may I help you today?

utterance: Hello Robert I recently received some mail alluding to a possibility of you know possibly being able to access some some extra money from my account here. My business account.

utterance: OK and that was from us here at Intellibank?

utterance: I believe so yes I believe it was.

utterance: And you said that you have an account with us already?

utterance: I do yes mhm.

utterance: All right well then I'll be able to pull that up and see what it was that we sent out in the mail to you.

utterance: OK.

utterance: so to start off.

utterance: Mhm.

utterance: Let's pull up your account.

utterance: OK.

utterance: To do that.

utterance: Mhm.

utterance: I am going to need your full name first and last.

utterance: Mhm.

utterance: As it appears on your account.

utterance: Mhm. OK and that's Dearly Befreed Dearly Befreed.

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

utterance: My date of birth is August fifth nineteen sixty-one.

utterance: Great.

utterance: Mhm.

utterance: And I'm going to need your social security number and your state-issued ID or driver's license.

utterance: OK it's three seven nine six three zero one two one and my driver's license is D seven two three four eight nine zero.

utterance: Great.

utterance: Mhm.

utterance: All right and I'm just gonna need the four digit security code so I can or your security PIN.

utterance: OK.

utterance: So I can access this account.

utterance: Sure and that is one one two nine.

utterance: One one two nine all right and we are in.

utterance: Great.

utterance: So I have accessed your account

utterance: Mhm.

utterance: And what were you looking to take care of today?

utterance: So I wasn't exactly sure what the letter was referring to but it sounded like there was a possibility of either like a loan or a credit or something.

utterance: OK well I don't see the exact I don't see what we sent to you but we do have several credit offers available to you if you'd like to hear about them?

utterance: Mhm.

utterance: Okay.

utterance: Please.

utterance: So right now we can offer you a line of credit.

utterance: Mhm.

utterance: Or we can offer you one of our three corporate credit cards.

utterance: OK.

utterance: Would you like to hear more about either of those?

utterance: Please yes!

utterance: All right well our corporate credit cards we offer three different cards.

utterance: Mhm.

utterance: We offer our Intellibank Gold business card.

utterance: Mhm.

utterance: Our Intellibank Silver business card.

utterance: Mhm.

utterance: And our Intellibank Platinum business card.

utterance: OK.

utterance: Would any of those be of interest to you?

utterance: Yes any of them!

utterance: All right and how much money were you looking to get on that card today?

utterance: Hopefully five hundred thousand dollars.

utterance: I'm sorry how much again?

utterance: Five hundred thousand?

utterance: unfortunately we cannot do five hundred thousand. We have a limit here of a hundred thousand dollars.

utterance: Oh which card would that be?

utterance: Well that would be our Platinum card.

utterance: OK.

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

utterance: Mhm.

utterance: All right then to do so I'm gonna need to get the name of your business.

utterance: OK the name of my business is Arrow Way.

utterance: And what is your business email address?

utterance: Arrows lead the way at iCloud.

utterance: and are you the sole owner of that account?

utterance: No.

utterance: All right who else is on the account?

utterance: My partner.

utterance: And what is their name?

utterance: Bobby Trinity.

utterance: All right and I'll need your tax ID number.

utterance: Ok it is nine eight nine three two three four eight eight.

utterance: Great and what year was your business established?

utterance: It was established in nineteen ninety-eight.

utterance: Great!

utterance: Mhm.

utterance: And what was the gross amount that your business earned last year?

utterance: Eight eight hundred thousand dollars.

utterance: All right.

utterance: Mhm.

utterance: So I'm gonna go ahead an put this application in.

utterance: OK.

utterance: For our Intellibank.

utterance: Mhm.

utterance: Business Platinum card.

utterance: Mhm.

utterance: And because of the amount of that card it is going to take two or three business days for us to get an answer on that request is that all right?

utterance: OK.

utterance: Yeah, that's fine.

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

utterance: No!

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

utterance: You too.

utterance: Bye.

utterance: Bye.


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

utterance: Yes, I'm calling to apply for a corporate credit card.

utterance: OK. And if you would, let me see if I can assist you with that. I'll be glad to do so. first of all, if I could ask, what's your first and last name?

utterance: Evelyn Richards.

utterance: And what is the business name on your account, Ms. Richards?

utterance: Joan's Bed and Bath.

utterance: Thank you for that. And, Ms. Richards, I'm gonna ask you a few questions for account security purposes, if you would. what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: And, what is the phone number on your account?

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

utterance: Thank you for that. and, Ms. Richards if you would, let me know, what is the account number for your account?

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

utterance: Sure.

utterance: OK.

utterance: All right, I'm ready. I'm not sure which one you have.

utterance: Oh OK, well go ahead.

utterance: All right, just a second.

utterance: All right, I it's nine eight four six five nine nine eight four six five nine one two. I'm just not sure you know, which one.

utterance: OK. Not a problem. if I could just ask, what is the PIN on your account?

utterance: One zero one seven.

utterance: OK. Thank you, that PIN number is correct so I'll be able to verify which account it was. It's the second one is the Business Preferred Account number that you have with us.

utterance: All right, great. Thank you.

utterance: You're welcome. And, yes ma'am, I would be glad to go ahead and move forward with assisting you on your loan application for a credit card with us.

utterance: OK. Thank you. You know, the time is really going by. It's the end of the year.

utterance: Yes it is. It's definitely been pretty fast twenty twenty-one. As far as time flying. so I agree with you on that. And twenty twenty-two is just around the corner.

utterance: It really is.

utterance: that's I guess a good thing. you know for those folks who are ready for twenty twenty-one to be over and you know, out with the old, in with the new.

utterance: Exactly.

utterance: Now, Ms. Richards, if you would just let me know, what is your business address?

utterance: Ten seventy-five. Layman's Court. Smyrna, Georgia.

utterance: And the ZIP code is?

utterance: Three zero zero zero two.

utterance: And is your mailing address the same as your business address?

utterance: Yes it is.

utterance: All right, and Ms. Richards, what is your social security number?

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

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

utterance: It is zero six two four eight seven one two.

utterance: Yes.

utterance: And, what is your business email?

utterance: That's E dot Richards at jones B B dot com.

utterance: And, what is your tax ID number?

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

utterance: And, what is your gross annual sales?

utterance: Five hundred thousand dollars.

utterance: And, what is the credit limit amount that you're looking for?

utterance: Fifty thousand.

utterance: And are you the sole owner of the account?

utterance: I am.

utterance: pardon me, I should have specified, are you the sole owner of the business?

utterance: Yes.

utterance: And with that being the case what's the purpose that you would really be looking for for the credit card?

utterance: Well I'm just. Well I'm needing some you know, to do some expansion.

utterance: OK. Understood. Understood. and with that being the case, which particular type of corporate credit card are you looking for?

utterance: Well, can you explain, please?

utterance: Sure. Yes, ma'am. we here at Intellibank offer you three different types of corporate credit cards. Ms. Richards, we offer you the Intellibank Business Platinum Card. that's the first option. And with the Corporate Business Platinum Card you would be able to have two percent cash back on all purchases. with a hundred dollar annual fee. with the Business Gold Card, there's a two percent cash back on all grocery and gas purchases, but that has no annual fee. And then with our Business Silver Card, there is no annual fee but it's also no cash back.

utterance: Well I'll I think I'll go with the Business Gold.

utterance: OK. So, with the Business Gold, you'd receive two percent cash back on groceries and gas. with no annual fee.

utterance: Yes.

utterance: OK. Terrific. I'll go ahead and notate that for you. And that would be Mastercard in this case.

utterance: That's fine.

utterance: All right. And, Ms. Richards, I'll go ahead and get this over to our credit department, and they'll review your application. And generally speaking, within about two business days, potentially even by the end of the business day today they'll reach out to you to let you know what the status of your loan application, so that we potentially can get that Business Gold Card out to you today.

utterance: OK. That sounds good to me.

utterance: any other questions I can help you with?

utterance: No. I don't have any other questions.

utterance: Well, Ms. Richards, we certainly do appreciate you giving us a call today, and thank you for considering us for your business credit card.

utterance: You're welcome.

utterance: You have a good day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Ashleigh, I needed to make a payment on my credit card please. I just made a big purchase and wanna make sure that I pay my credit card down before my credit score goes down.

utterance: I definitely understand that and I'll be happy to help you. just give me one moment while I bring up my systems please.

utterance: All right, so I got that all up here, and can I get your first name, please?

utterance: Nicole N I C O L E.

utterance: And your last name?

utterance: Gonzalez with a Z.

utterance: Thank you, and your date of birth, please?

utterance: Seven one eighty-three.

utterance: Thank you, and the PIN number?

utterance: Five five six seven.

utterance: Thank you, all right, and now I just need to get the account number you're trying to look into?

utterance: Oh, I'm sorry, could you hold just one moment while I find that?

utterance: Yeah, no problem.

utterance: All righty, right here, it is five four seven eight three zero four six eight nine.

utterance: Thank you. All right, and then I just need the routing number, please?

utterance: Five five five seven seven seven nine.

utterance: Thank you. All right, so I see you have a balance due of ten thousand eight hundred and sixty-three dollars. how much would you like to pay today?

utterance: I'd actually like to make a payment for twelve thousand.

utterance: OK, sounds great. And what date would you like to schedule this payment?

utterance: Today would be fine.

utterance: OK. All right, and can you confirm your email for me, please?

utterance: Yes ma'am, that is Gonzalez consulting fifteen at Gmail dot com.

utterance: Thank you. All right, so just to confirm, we're gonna make a payment on your account ending in four six eight nine for twelve thousand dollars scheduled today, November eleventh, and we're gonna send a confirmation email to Gonzalez consulting fifteen at Gmail dot com.

utterance: Shh. OK, and will that post today?

utterance: It won't actually post.

utterance: And

utterance: Will it be on by next bank statement? I'm sorry.

utterance: No, it's OK, it's OK. it won't actually post today, but it should be included in your next bank statement. your your cycle ends on the twentieth of the month, so that should show on your next bank statement and the the pending will post in just a few days. would you like to make any other payments on any other accounts that you have with us?

utterance: no thank you, not right now. They're not due until the end of the month, so I'll just do it a little closer to that time.

utterance: Understood, understood. All right, sounds good, just to let you know, we do have a program available to break up your credit card payments if you need more time to pay, OK?

utterance: That is good to know. Is there any way to make payments myself online?

utterance: Yes. actually you can go online to Intellibank dot com or you can download the app through the Google Play store or Apple store. you'll need to create a username and password they'll ask you some personal information and some, maybe some banking few banking information for verification purposes so just make sure that you have all that information available with you when you're creating an account online. And you can go into your account and you're able to attach a bunch of different accounts, you know, your credit card accounts, your loan accounts if you have them, your checking accounts, savings account, and you can manage all that from your online or through your mobile app. And you'll be able to make payments easily, you can schedule payments for the future whatever you prefer to do there's, you can do that very easily through our online service.

utterance: That sounds very easy actually.

utterance: Yeah it's, it's a great tool to use, for sure. All right so we got all that settled today, and is there anything else that I can assist you with?

utterance: No, thank you, you've been such a big help.

utterance: You're very welcome, and I wanna thank you for calling Intellibank, and you enjoy the rest of your day.

utterance: You too, thank you.

utterance: Thank you, bye bye.

utterance: Bye bye.


utterance: Hello. Thank you for calling Intellibank. My name is Mark. May I help you?

utterance: Yeah. I'd like to see what the balance of my account is.

utterance: Ok sir. Can I have your name please, your last name first?

utterance: Yeah. It's Peterman.

utterance: OK Mr. Peterman what's your first name?

utterance: Frank.

utterance: OK. Can I get your pin number Mr. Peterman?

utterance: Yeah. My PIN is one five seven eight.

utterance: That's correct. And I see you're calling from a phone in your file. So just one more security question just for security purposes.

utterance: Sure.

utterance: Can I have your birthday please?

utterance: Oh yeah it is four fifteen seventy-eight.

utterance: All right. thank you Mr. Peterman. I will give you your balance. Which account would you like to receive the balance?

utterance: I'd like to receive both the checking and the savings balance.

utterance: OK. Well the checking account we'll do first. There is seventy-six thousand three hundred and ninety two dollars and eleven cents.

utterance: All right.

utterance: OK. I'm going to the savings and lemme just see here. Sorry one second.

utterance: No problem.

utterance: There is two hundred and forty two thousand four hundred eighty-one and two cents.

utterance: OK. Let's. Let's say I wanted to possibly move all of my money to a different bank and no longer use these accounts. Is that something I could do over the phone? Am I gonna need to go down there?

utterance: Can you help me with that?

utterance: Yes sir I can I can help you with that. Sorry to hear that you are you thinking about leaving us? may I ask what prompted you this decision?

utterance: Hell. You know I it's for the savings account it would be the the rate. And for the checking account really it's just the convenience. I found that you guys don't have a lot of ATMs near me. and it's just going to be more convenient for me if I move over to Bank of America. Not that you guys have been bad. You guys have been great but it's time to go.

utterance: OK sir. I will be happy to help you close your account. We're going to have to obviously remove the funds from your account and and put them into a new account so I don't know if you already have an account at Bank of America that we could transfer it to.

utterance: I do. I I went down there and opened one up.

utterance: OK. well, then it's a fairly simple process. I will just need the routing number.

utterance: Sure.

utterance: And and then I'll see your account number and then I'll set these up. And you are looking to close both your savings and your checking account.

utterance: I am yes.

utterance: OK. That's fine. Are you going to be transferring them to the same account or are you going to transfer them into two different accounts?

utterance: Same account.

utterance: OK. So what I will need from you is your routing number.

utterance: That is seven eight nine.

utterance: Mhm.

utterance: three two five.

utterance: Mhm.

utterance: Seven seven one.

utterance: OK. That's at Main nine three two five seven seven one.

utterance: Correct.

utterance: OK. Can I get your First we're gonna to do the checking account number.

utterance: That is eight nine seven six.

utterance: Mhm.

utterance: Five four six two.

utterance: OK.

utterance: Seven two nine five seven three eight nine.

utterance: OK. Sorry. I apologize I said checking account but I'm just am assuming that you wanted to combine them in the checking account not a savings.

utterance: That is correct, yes sorry.

utterance: I was a little bit ahead of the schedule there but.

utterance: Sorry I said a lot I so I probably was chit chatting a bit much. I'm sorry if I wasn't concise.

utterance: No no this is great. So I have your information and I will be sending both of them. I just did the checking account. Now I'm switching back to the savings and I'm gonna move the money over from there.

utterance: Great.

utterance: And now we're done so that'll do it sir. I am I am sad to see you close your account but I hope that. We have been helpful and if you still would like to come back we'd love to have you back of if you recommend us to your friends.

utterance: Well you've been very helpful. And I appreciate how quick and easy this was.

utterance: No problem sir. Have a wonderful day.

utterance: You as well. Thank you.

utterance: Thank you.

utterance: Thank you.


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

utterance: Hi William. I'm looking to set up some automatic payments for my credit card each month.

utterance: All right. That will not be a problem. And do you already have an account with Intellibank?

utterance: I do.

utterance: All right. And to get started, let's go ahead and pull up that account. And to do that we're gonna need your full first and last name, as it appears on your Intellibank account.

utterance: Katrina Woodard. That's Katrina with a K A T R I N A, and Woodard, W O O D A R D.

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

utterance: It's October twentieth, nineteen ninety-two.

utterance: All right. And your twelve digit account number.

utterance: Is that something I can look up online?

utterance: yes you can.

utterance: OK. Give me a second while I.

utterance: OK my account number is seven nine nine seven eight five eight five. One one four one.

utterance: All right, and what is your four digit security code?

utterance: zero seven seven four.

utterance: All right.

utterance: Actually, when was the last time I changed that?

utterance: unfortunately I cannot tell you that information, we don't keep that.

utterance: Oh OK. But I can change it online.

utterance: no, you can't change it online but you can charge, you can change it with me now or by calling us back.

utterance: OK, let's let's change it now.

utterance: OK. So to start I am going to need to ask you some security questions. Starting with, what was your first pet's name?

utterance: I It was, Trio.

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

utterance: Dot.

utterance: Ok. And what was the name of the street you grew up on?

utterance: Jackson.

utterance: All right.

utterance: And what I'm gonna need you to do now, is enter your current four digit security PIN into your phone.

utterance: All right. Thank you. And now I'm going to need you to enter your new four digit PIN.

utterance: Thank you. And now I need you to re-enter that PIN.

utterance: OK. That is all reset for you.

utterance: Thank you.

utterance: Let's move on to setting up those automatic credit card payments.

utterance: So let's get the sixteen digit credit card number.

utterance: it is five five four four, eight five four, one. One nine nine five, two five six seven.

utterance: All right And I'm gonna need the account number, that you would like to pay that card with each month.

utterance: Yeah. five two two zero, four seven five nine, one three three zero.

utterance: And I'm going to need the nine digit routing number for that account.

utterance: that should be, three seven seven four, two eight three, two nine.

utterance: OK. And how much will we be paying into that card each month?

utterance: what is the current balance?

utterance: the current balance of your checking?

utterance: of my my credit card.

utterance: Of the credit card?

utterance: Yeah.

utterance: Your current credit card balance is twelve thousand, seven hundred, ninety-two dollars and forty-five cents.

utterance: OK. I guess two thousand a month.

utterance: OK. And which date of every month would you like that deducted?

utterance: The first is fine.

utterance: OK.

utterance: All right. This is all set up for you. Anything else I can help you with today?

utterance: I don't think so.

utterance: OK. Well thank you very much for calling Intellibank, you have a wonderful rest of your day.


utterance: Hey, good morning. This is Tom at Intellibank. How can I help you today?

utterance: Yeah, hi Tom. I am going over my finances. I looked at my checking account, checked the balance, the withdrawals, fees, the transactions. I looked at my savings account, I checked the balance, the withdrawals, the fees, the transactions. I compared them and contrast them. These are from my business accounts, they're not. I do my personal banking somewhere else. And then I did have some sort of term loan I took out a while back, and I know the percentage on the term loan had increased over time. And then I put that. I kind of have, like a method I use so. I looked at the checking, I looked at the savings, I looked at the term loan and like all three of those things are really my finances with you. So I was trying to figure out, like. Those are separate, and I have, like I've made investments using money out of my checking, out of my savings, using a loan, so. I, I've, I've funded investments in a number of different ways. Like if I had to do it again, I'd probably try to just use one account, but I used a bunch of different accounts. And I was kinda clicking around your website, and couldn't find something that maybe consolidated that. Maybe it's just me, cuz I haven't used the website that much. But I dunno. I'm trying to figure out if there's a way I can get all that information in, in, into one thing? Does. Is. You guys do that? Does that make sense?

utterance: Yeah. you, you mention consolidating, Definitely can do that. Why don't I start off by getting some information so I can get you up here on the screen. can I get your first name?

utterance: Are you gonna send me like some sort of report, or something?

utterance: Yeah, exactly. when We have a couple options for sending you it's an investment report.

utterance: Oh, OK.

utterance: It'll give you a breakdown of. You can look at what's currently happening, what's happened over the last several months. so, we only start getting your information first, and then we can branch off to that.

utterance: OK.

utterance: Can I get your first and last name.

utterance: My first name is George.

utterance: George. Your last name?

utterance: Essex.

utterance: Right. And your date of birth.

utterance: Date of birth is January fourteenth, nineteen seventy-nine.

utterance: Right. and your account number please?

utterance: My account number is eight four nine, three zero three, two one, two two.

utterance: Right, All right, so we have a couple options with the delivery method. We can either send you a paperless, report, which can be sent to your email, or we can send it via paper, you know, snail mail which would take about three to five days. do you have a preference?

utterance: I'm kinda old school in a way, so why don't you just go ahead and mail those to me.

utterance: OK. can I verify your address?

utterance: Oh yeah, my mailing address? Let's see. Have them sent to the business, so that's gonna be, three thousand West Willoughby Boulevard, Ontario California, nine zero zero four three, and that is on the third floor mailing room.

utterance: OK. And So do you want me. Send this attention to you, or just straight to your business?

utterance: No, it'll.

utterance: They'll get it, just put that on there.

utterance: OK.

utterance: Mhm.

utterance: Sounds great. so Iet me get this submitted right away. do you have any other questions for me?

utterance: I wanted to know just real quick, like what are the three tiers of credit cards you offer?

utterance: we offer a Gold card, Platinum and Silver.

utterance: Gold, Platinum, Silver. All right. I did have one in the past and I closed that account. I just I think in my own time I'll go on your website and check out the info there. Gold, Platinum or Silver. But yeah. Just for now, mail that out to me, and you said three to five days right?

utterance: Right.

utterance: OK. Yeah, No, That's it, I don't need anything else, thank, thank you so much for your help.

utterance: You're welcome. Call us any time, we're happy to help you.

utterance: Great, and. What's your name again, just so I?

utterance: Tom.

utterance: Tom. Thanks Tom. Bye bye.

utterance: You're welcome, take care.


utterance: Good afternoon. Thank you so much for calling Intellibank. My name is Janet. How may I help you?

utterance: Hi, how's it going?

utterance: Pretty good. How about you?

utterance: Doing great. My name's Joey, and I was hoping that you could help me out with a checking my account balance?

utterance: Oh. I'd be glad to do that for you, Joey. May I please get your last name?

utterance: Thank you.

utterance: Sure. It's McGinn, M C G I N N.

utterance: OK. And is excuse me, are you listed under Joey, Joe, Joseph?

utterance: It's just Joey.

utterance: OK. Perfect.

utterance: Joey with

utterance: A Y.

utterance: And may I please have your four digit PIN number?

utterance: Sure thing. It's two one seven four.

utterance: Two one seven four.

utterance: And for security purposes can you please verify your date of birth?

utterance: Yes, sure thing. October twenty-second, nineteen eighty-three.

utterance: Great.

utterance: OK. Perfect.

utterance: And which one of your accounts would you like to check the balance on? Your credit card, your Well you know all the different accounts.

utterance: Oh.

utterance: Yeah, I'd just like to check my credit account.

utterance: I'm sorry your?

utterance: My credit.

utterance: Your credit card?

utterance: Yes.

utterance: OK. Very good.

utterance: My available balance on there is?

utterance: OK. Great. On your business silver card I see right now you have four hundred and fifty dollars on there that that the balance owed. So with your available credit you have eleven thousand fi~

utterance: Eleven thousand. That's

utterance: Eleven

utterance: Thousand five hundred dollars.

utterance: Well that's

utterance: What I like to hear. I've got some business expenses that I'm looking to take care of.

utterance: Mhm.

utterance: Yeah.

utterance: So just thinking about adding a bar to this bowling alley that I have. And that's kinda crazy. I just never. added a bar before. So I figured oh, why not?

utterance: Absolutely. Well if I may make one suggestion I mean, of course, you can use your credit card for that. But at a lower interest rate, you might want to consider one our secured loans.

utterance: What?

utterance: I am actually looking to apply for a secure loan as well.

utterance: OK. Would you like me to do that for you right now? Cuz I can do that over the phone.

utterance: Yeah, lets do it.

utterance: OK. Great. Yeah, you'll get a lower interest rate than what you're paying on the credit card.

utterance: Oh. OK.

utterance: All right. So we're doing this under your name? Joey McGinn?

utterance: That's correct.

utterance: OK. And Joey, what is the address for the business?

utterance: OK It's five four nine Fairfax Avenue.

utterance: Mhm.

utterance: Los Angeles, California. ZIP code is nine one three seven nine.

utterance: OK. Great. And what is your social security number, please?

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

utterance: Eight two seven six. And the drivers license number please?

utterance: OK. Let me pull that out.

utterance: And is that also in California?

utterance: yes it is a California license.

utterance: OK.

utterance: It is Y seven nine three seven zero eight two.

utterance: Perfect. And what is the best email address for you?

utterance: Right. So the email address that would be best, would be Joseph no, no sorry. Joseph's my brother. Joey R mcginn eight three at Gmail dot com.

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

utterance: Yes, I am the sole owner of this business.

utterance: And what year what it established?

utterance: This was established twenty sixteen.

utterance: Great.

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

utterance: I So last year we were looking at three hundred and fifty K.

utterance: OK. Terrific. And your tax ID number?

utterance: Tax ID number. Right. It is five nine eight two four three seven six two four.

utterance: Perfect.

utterance: And is your mailing address the same as your business address?

utterance: Yes, yes it is.

utterance: OK. And how much were you looking to take out on this loan?

utterance: Oh, for this loan specifically I'd like to take out fifty thousand.

utterance: OK.

utterance: And you said to, for build out a bar.

utterance: Yeah.

utterance: All right. And then what collateral will you be offering for the secured loan?

utterance: Collateral. Liked to put down my vehicle.

utterance: OK. For this amount you could use the vehicle. but you'll also have to use something else at a higher value .

utterance: OK.

utterance: Well, no, no problem. Forget the vehicle. I'll take out my home.

utterance: OK. Your home. Yeah, your home, your business. Whichever that's generally what people do. So I'll put down your home.

utterance: OK.

utterance: OK. Great. So I have finalized your account application. I just sent you an email because you will be needing to upload your tax ID number and your drivers license. And that will complete you your application. please be aware that once you've done that you hear back within seven to ten business days.

utterance: Fantastic. Thank you so much.

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

utterance: You too.

utterance: Thank you.


utterance: Hello. Welcome to Intellibank. My name is Wendall and who am I speaking with?

utterance: This is Ted.

utterance: Hey Ted nice to meet you.

utterance: Nice to meet you.

utterance: Where can we get started today?

utterance: Just need to open up a savings account could you just tell me what my options are?

utterance: Sure thing. Well you can either open up an independent savings account or if you have a checking account with us we can link a savings account to your checking. and you can choose between either a personal savings account or a business savings account.

utterance: I think I'm gonna do business.

utterance: OK great and do you already have a business checking account with us?

utterance: I do yeah.

utterance: Awesome. Well we can go ahead and pull up your information. Start with your first and last name.

utterance: Ted Roberts.

utterance: Ted Roberts. All right. And can I get your mailing address please?

utterance: yeah six zero three South Cochran Avenue Los Angeles California nine zero zero three six.

utterance: All right and then do you happen to have your driver's license on hand.

utterance: I do. it is two zero five eight one.

utterance: Mhm OK.

utterance: And how about the last four of your social.

utterance: two three three three.

utterance: Great OK and what is your email address.

utterance: My email address is

utterance: Ted Hope at Gmail dot com.

utterance: Ted Hope at Gmail dot com. All right and then what is your four digit customer PIN?

utterance: Three three five three.

utterance: OK great. And did you mention that this is gonna be a business savings account.

utterance: That's correct yeah.

utterance: OK great. all right let me take a look at your checking account here. All right. It looks like you've been banking with us for over five years which means you're eligible eligible for our traveler's card as well as our platinum card. Would you like some information about the application process?

utterance: Yeah please.

utterance: OK great. Well you can apply for the traveler's card and the platinum card. it'll just do a quick review of your credit score which will not affect your scoring in anyway and then you can get approved within three to five business days for both.

utterance: OK very good.

utterance: All right. Wonderful. Would you like me to go ahead and email you both applications?

utterance: yes please.

utterance: All right. And I could go ahead and set up your business savings account if you like to go ahead and make an independent deposit or you could transfer some funds from your checking account and if you hit our minimum of three hundred dollars, the service fee of twelve dollars will be waived. Would you like to transfer three hundred today?

utterance: please.

utterance: All right I'll go ahead and make that transfer for you. All right it looks like my system froze. You mind if I put you on a brief hold.

utterance: Yeah that's fine.

utterance: Thank so much. All right thanks for holding. I've gone ahead and made that transfer for you. so just be mindful that your account never goes below the minimum of three hundred that way you won't be charged the service fee and your interest rate will stay fixed.

utterance: Well that all sounds pretty good.

utterance: Wonderful. Do you have any questions about your savings account today?

utterance: No I don't think so. I think that everything was taken care of.

utterance: Groovy. Well I would go ahead and send you email confirming all these details and if you have any questions upon reviewing please feel free to call.

utterance: Thanks so much.

utterance: No problem.