utterance: Good morning and thank you so much for calling Intellibank. My name is Brain. How can I help you today?

utterance: What.

utterance: hi Brian, I'm Joe and I'm just looking at talk about a loan.

utterance: A loan, perfect. Sounds good. what's the last name, Joe? I need to get into your account . O'Brien. Got it. All right and can I get your social?

utterance: Oh, O'Brien.

utterance: yeah two eight five three one one nine three nine three.

utterance: Thank you and I just need your PIN.

utterance: one one three two.

utterance: One one three two perfect. All right. Here we go. So we're talking about a loan here. What type of loan?

utterance: Oh, well I mean what can I get?

utterance: well judging off your profile you've had a couple late payments, but you are in good standing now. you haven't been with us very long relatively new customer. from my experience, just seeing everything on your profile and what we've processed in the past, I think you best qualify for a secured loan.

utterance: Yeah.

utterance: Mm. Oh good.

utterance: Is that something you'd be interested in?

utterance: Yeah just what what what entails there?

utterance: you just need to put something down as collateral just in case you're unable to fulfill your your loan.

utterance: Oh OK like a like a house.

utterance: Yes, just need something tangible that equates to the the value of the loan that you are taking.

utterance: OK. Well I

utterance: Just want to get a ten thousand dollar loan.

utterance: All right. Well do you have anything that's around that price worth ten thousand that you could put up for collateral?

utterance: I have an old antique dresser.

utterance: OK and that dresser's worth about how much?

utterance: Well, I think it was owned by by JFK.

utterance: OK

utterance: So I think if we valued it it'd run it right around fifteen five thousand dollars.

utterance: Fifteen thousand dollars and do you do you have the papers and paperwork to verify it?

utterance: I do yes it's.

utterance: Been verified.

utterance: All right. So let's go ahead and proceed with this application.

utterance: Great. Thank you.

utterance: Can I get a email?

utterance: yeah JFK's dresser at Gmail dot com.

utterance: All right and can I get your social again?

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

utterance: And is the address you have on file a good one to put with this application?

utterance: Yes.

utterance: Please right yeah that address yeah.

utterance: All right. can I get your driver's license number?

utterance: yeah five D five four eight F.

utterance: All right and what state issued that?

utterance: California.

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

utterance: Dead Presidents Furniture.

utterance: Dead Presidents Furniture. Quite a name.

utterance: Yes, I specialize in finding furniture that was owned by presidents that are no longer with us .

utterance: Got it. Interesting job. And you're the sole owner of this business?

utterance: that's correct yeah.

utterance: OK and what date did you establish this company?

utterance: nineteen ninety-seven.

utterance: Nineteen ninety-seven. All right and can you give me a ballpark of your annual sales gross?

utterance: Well, you know, it's touch-and-go because I go by how much I furniture I sell but you know once once I do it's I I sold Dwight Eisenhower's bidet for about forty-five thousand dollars so it's it ranges from about fifty to a hundred grand.

utterance: OK, if could just give me a ballpark if we did it? Yeah. Can we just go OK. seventy-five thousand OK and can I get your tax ID number?

utterance: How about about seventy-five grand.

utterance: Fourteen eighty-two five.

utterance: Fourteen eight two five. Got it. And what's the address of your business?

utterance: Six zero three South Cochran Avenue.

utterance: Six zero three South South Cochran. Same city and state?

utterance: That's correct.

utterance: Got it and is that also a good mailing address?

utterance: Yeah sure .

utterance: Perfect. And what's the purpose of your loan today?

utterance: Just to go furniture hunting, travel expenses, all sorts of stuff.

utterance: OK. Travel expenses. New supplies. All right. And how much are we looking for today?

utterance: Just ten grand, please.

utterance: Ten thousand.

utterance: Yes.

utterance: All right. And what will your collateral be?

utterance: my house.

utterance: Your house. Got it and your house is valued at?

utterance: Three hundred thousand.

utterance: Three hundred thousand all right. And what are the terms you are looking to take out on this?

utterance: twenty-four months, please.

utterance: Twenty-four months. All right, one second while this runs. Well, I do have some good news for you. Your loan was approved.

utterance: OK good.

utterance: Oh good. Thank you.

utterance: an email has been sent to you. Detailing everything we discussed today. And it also has your confirmation number.

utterance: Fantastic.

utterance: Yes.

utterance: Fantastic.

utterance: I hope I was able to satisfy you today.

utterance: You were

utterance: Fantastic.

utterance: Is there anything else I can do?

utterance: No.

utterance: That'll do.

utterance: Well thank you so much.

utterance: Thank you.

utterance: We do appreciate your business and hope you have a very blessed day.

utterance: You too.

utterance: Thank you.

utterance: Thank you.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey Janelle, we have a growing company here, and we're really wanting to see what can we do to get more space hire more people, things like that. I've been reading about the SBA seven A loan and I was wondering if Intellibank has something like that and possibly what the benefits are of that.

utterance: Absolutely, here at Intellibank we do have several types of loans including the SBA seven A loan. and the. One of the benefits of having that loan is because it is backed by the government. It is an easier loan to be approved for, has a much, much lower interest rate and longer terms. So there's really no no reason not apply for that loan.

utterance: OK can I do that with you or do I need to~

utterance: No, we can do it right here. We can do it right here over the phone. I'll just need a little bit of information from you, so let's get go ahead and get started. May I get your name, please?

utterance: yes. My name is William James.

utterance: OK.

utterance: Spells like it sounds.

utterance: Sounds OK terrific. And then may I please have your home address?

utterance: My address is two seven eight nine Maple Drive.

utterance: City and state?

utterance: Oh, I'm sorry. It's Los Angeles, California.

utterance: Mhm.

utterance: Nine zero zero zero eight.

utterance: Great and then your social security number?

utterance: Six two five eight four seven five two eight nine. Tax ID is five nine eight zero seven nine. Two four nine seven.

utterance: Oh thank you thank you.

utterance: So much for that William, I'm not quite to that screen, but I will be asking for that. s~

utterance: OK.

utterance: Good enough OK.

utterance: OK, and your email address, please?

utterance: Will J at admin dot com.

utterance: OK very good. Just generating this information.

utterance: How's the weather there? We've got some rain here. You guys getting any?

utterance: It's we had some rain last week for a day and a half, and now it's mild temperatures with a hint of smog.

utterance: A day and a half, that's all the rain you got? We get rain for weeks.

utterance: We're in I'm in Los Angeles.

utterance: Oh yeah, it never rains in southern California.

utterance: Where are you?

utterance: Ohio.

utterance: Oh, OK. OK so let's see. And I a. You're the sole business owner, correct?

utterance: I am, yes.

utterance: Great. And when did you establish your business?

utterance: Two thousand and eight.

utterance: Two thousand eight.

utterance: August.

utterance: OK.

utterance: Eight, oh eight.

utterance: Oh that's how you remember? OK. And what were your annual gross sales last year?

utterance: Five hundred thousand.

utterance: OK. And now that Tax ID number, please.

utterance: OK tax ID is two four nine eight two seven four seven eight nine.

utterance: OK, great. And your business address?

utterance: Business address is going to be nine zero zero zero South LeBrea Los Angeles, California nine zero zero zero eight.

utterance: Great. And how much would you like to take out for this loan?

utterance: let's do A hundred and seventy-five thousand.

utterance: One seventy-five. One hundred and seventy-five thousand dollars? OK very good. And as I was saying you can do the ten-year term there is no penalty for paying off the loan in advance, and the interest rate will stay fixed for that entire loan. Would you like to go ahead and apply for over the full ten years?

utterance: The interest rate's different from ten to five year?

utterance: No, it's fixed with ten years.

utterance: Oh it's. OK so let's do ten. Let's do ten.

utterance: OK.

utterance: Very good. And upon approval there will be a down payment due immediately it'd between five and twenty percent, how much would you like to put down?

utterance: Ten.

utterance: Ten percent?

utterance: Mhm.

utterance: OK very good. And just to let you know if you are approved for this loan, because you already carry a business preferred checking account with us, we can route that directly to that account. Would you like to do that upon approval?

utterance: Yes, that sounds good.

utterance: OK very good. I just finished your application. I did just generate an email to you so you can upload the photo documentation of your tax ID number and your driver's license and that will complete your application. Once you've done that it'll only take between seven to ten days for you to find out the if the loan was approved.

utterance: OK sounds great.

utterance: All right is there anything else I can do for you today?

utterance: No, you've been a great help, Janelle, thank you.

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


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

utterance: Good morning, Tina. How you doing today?

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

utterance: I'm doing good. I'm really actually excited, a little nervous. I I I have a. I have a business. I have a little luncheonette style cafe. and I had the opportunity the space next to us has become available and like like we always have like a line at the door, so I'm thinking this way I could take over the property the space next to us, you know, knock it, the walls down and just make it one giant luncheonette. Eliminate the lines, accommodate more people and accommodate my wallet to grow even bigger.

utterance: Right.

utterance: Well that sounds really exciting. That is awesome.

utterance: It is. So that's why. well. This is why I'm calling you. So no congratulations yet. I need to talk to you about applying for a secure business loan.

utterance: Congratulations.

utterance: Oh, sure. Of course. I can totally help you with that. Do you have a few like ten minutes to go through the application? OK. Now you know a secured loan, I'm sure you know this, it's the type of loan where you have to put up something for collateral?

utterance: Yeah, of course.

utterance: Yes absolutely.

utterance: So, it could be repossessed if you default on the loan. I just need to tell you that up front.

utterance: Yes.

utterance: OK. All right. So let's start with your first and last name.

utterance: it's Robert.

utterance: OK.

utterance: McDowell.

utterance: How do you spell that?

utterance: Oh. Excuse me. M C D O W E L L.

utterance: Mhm.

utterance: OK, Mr. McDowell, and what is your personal address?

utterance: personal address is two twenty-seven.

utterance: Mhm.

utterance: Avon Drive.

utterance: OK.

utterance: And that's in Winchester, Virginia.

utterance: OK.

utterance: Two three oh eight one.

utterance: OK. And your Social Security number please.

utterance: my Social number is one seven nine.

utterance: OK.

utterance: One one two zero seven six.

utterance: OK. And do you happen to have your driver's license number on you?

utterance: hold that up real quick. Let me get that out. OK. The driver's license number is two two three seven eight four five six.

utterance: OK. And what state was that issued through?

utterance: Virginia.

utterance: OK. Perfect. And your PIN number?

utterance: the PIN is eight three eight one.

utterance: OK. And your email please?

utterance: It's R McDowell.

utterance: OK.

utterance: Eighty-one.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK. And what is your business name?

utterance: the business name is McDowell's Cafe.

utterance: Very nice. So are you the sole owner of that?

utterance: I am. Yes.

utterance: OK. And. Let's see what else do I need from you. What was your business establishment date?

utterance: Oh. It was September first.

utterance: OK.

utterance: Twenty fifteen.

utterance: OK. And your gross annual sales?

utterance: It's a hundred and seventy-five thousand a year.

utterance: OK. and your tax ID number please?

utterance: let me pull that one up for you. OK. That number is zero nine.

utterance: Mhm.

utterance: One five seven one six six three.

utterance: OK. And your business street address?

utterance: The business street address is thirty-one thirteen.

utterance: Mhm.

utterance: Pine Street.

utterance: OK.

utterance: And that's also in Winchester, Virginia. And it's two three oh eight one.

utterance: All right. And would you like your mail to go to your business or your home address?

utterance: the business please.

utterance: OK. And what will you be putting up for collateral?

utterance: my house.

utterance: OK. OK. and so you you would want to put down obviously for the loan purpose expansion. Expanding? OK. I'll put it down for that. And how much were you looking for on the loan?

utterance: Yes. Yeah, exactly.

utterance: a hundred thousand dollars.

utterance: OK. And when do you think you can pay that off? What would be your loan term?

utterance: I was thinking ten years.

utterance: OK. Perfect. All right. OK. So I'm going to submit this. And you'll get an answer in about twenty-four to forty-eight hours.

utterance: OK.

utterance: I don't think that you'll have a problem being approved just looking at your file. You have outstanding credit. You've never been late with any other payments.

utterance: Right.

utterance: So I think you you know have a really good shot at getting an answer pretty quickly.

utterance: OK.

utterance: So just give us twenty-four to forty-eight hours. We will usually email but what's your phone number just in case they might may want to give a call.

utterance: yeah, that is six eight seven.

utterance: OK.

utterance: Three three one.

utterance: OK.

utterance: Five five four four.

utterance: OK. All right Mr. McDowell, sending out positive vibes for you. I think everything's going to work out great and is there anything else I can help you with while I have you on the line?

utterance: Well

utterance: I was gonna say. Thank you for doing this and it sounds like like you were saying it's going to get approved and if so, I'm inviting you and your family to come down for a delicious brunch at my place.

utterance: Oh wow. I would be honored. Thank you so much, Mr. McDowell.

utterance: You're welcome.

utterance: You're welcome. also the. Yeah, I did needed to to get the the consumer index rate for You know I'm in the food business, so.

utterance: OK.

utterance: So you want The category would be food obviously.

utterance: Yeah.

utterance: Yeah. Yeah. For. For this I mean the year is getting is getting ready to close out soon so for the final quarter of the year.

utterance: OK.

utterance: oh final quarter. OK. Perfect. I was gonna ask you that. OK. All right. Let me just log into this. I'm sorry. It takes like a second. OK. So for that category it's fifteen percent.

utterance: Yeah.

utterance: Wow. OK.

utterance: And I just wanted to let you know real quick, you can look this info up yourself really fast, very easy if you wanna go to. It's B L S dot gov.

utterance: OK.

utterance: And you can always look it up yourself. This way, you know, if you're busy, you don't have time to make a phone call to us. Although we are here to help if if you want to speak to us but if not, you can just go to BLS dot gov and look that up yourself.

utterance: OK. Yeah I I was gonna ask if there was a a place to to do that which, you know, you can do everything online now, so I'm not surprised.

utterance: Yeah.

utterance: Mhm.

utterance: Right.

utterance: All right. All right. So is there anything else I can help you with Mr. McDowell?

utterance: No. I think that's everything.

utterance: All right. Well you have a great day and thank you for choosing Intellibank.

utterance: Thank you so much.

utterance: Bye bye.


utterance: Good afternoon. Thank you for calling Intellibank. This is Edith speaking, and how may I assist you today?

utterance: Hey Edith. I am calling from J Branum and what I'm needing to do today is well pretty much our branch has two different checking accounts with you guys as well as a savings account. But, our company has decided to use a different bank for our payroll checking account. We use one of the checking accounts for payroll.

utterance: And, the other one's just for deposits and every day expenses. So, I guess and I'm needing close the account that we use our payroll from.

utterance: All right. I'd be more than happy to assist you with that today, ma'am. I do need to go ahead and get some information so I can pull up your accounts. OK?

utterance: OK. Yes, ma'am. What information can I give you?

utterance: may I have your full name please?

utterance: Yeah, absolutely. This is Naomi. N A O M I.

utterance: My last name is Johnson. J O H N S O N.

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

utterance: Sure. I was born March the twentieth nineteen sixty-eight.

utterance: Thank you. I have March the twentieth nineteen sixty-eight. And, may I also have your PIN number please?

utterance: yes, ma'am. I'm sorry. I actually left that in my office. Would you give me just a moment to run and grab that? I'm so sorry.

utterance: That's no problem whatsoever Miss Johnson. Just let me know when you're back.

utterance: OK, great. Thank you. Just one second.

utterance: OK, Edith. Are you still there?

utterance: Yes, ma'am. I sure am, Miss Johnson. Were you able to locate your PIN number?

utterance: Yeah. the PIN number's three thirty-one sixty-two five oh three. And, sorry again about that.

utterance: That's no problem whatsoever, Miss Johnson. I have three three one six two five zero three?

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

utterance: Thank you. And, may I also have your telephone number please?

utterance: yeah. Actually I'm glad that you asked that. That's another thing that our main office has changed. They changed our main phone number and I'm not sure which number you have.

utterance: I'm gonna give them both to you just in case they haven't changed it.

utterance: Our old phone number was area code five one zero eight I'm sorry, eight eight seven one two eight two. And, our new number is area code five one zero three five nine seven eight one two.

utterance: Thank you so much, Miss Johnson. And, it does appear that we do have your new phone number on file.

utterance: And, just to clarify, that is the area code five one zero three five nine seven eight one two.

utterance: OK. Yes, ma'am, that is correct. Thank you.

utterance: Yes, ma'am. All right. Now we're closing the account. May I have the account number that you would like to close please?

utterance: Yeah. that account number is Sorry. Here it is. Zero zero six two six two six five zero eight.

utterance: Thank you. I have zero zero six two six two six five zero eight?

utterance: Yes, ma'am.

utterance: Thank you. And, the reason for closure is you're moving this checking account to another bank. Is that correct?

utterance: Yes, ma'am.

utterance: Thank you. And, you did say that this was a checking, or I'm sorry the I'm sorry. It's been a long day. now, I do see that you have a balance in that account of seven thousand seven hundred two dollars and three cents. may I have the routing number for the account that you would like this the remaining balance transferred into?

utterance: yeah. that's also going to be a checking account and that routing number is eight zero three five seven six four one two.

utterance: Thank you so much, Miss Johnson. And, you actually answered my next question, which was the deposit account type, which is checking.

utterance: And, just to make sure I have this correct, that routing number was eight zero three five seven six four one two?

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

utterance: Thank you. And, may I have the account number that you would like the funds deposited into?

utterance: yeah. That will be one five zero seven three six five nine nine three.

utterance: Thank you. So, that's account number one five zero seven three six five nine nine three?

utterance: Yes, ma'am.

utterance: Thank you. Just one moment while I get this processed for you, Miss Johnson.

utterance: Ok, great. Thank you, Edith.

utterance: All right, Miss Johnson. I do have that processed for you. We have the reminder of seven thousand seven hundred two dollars and three cents transferred over into your new checking account with your new bank. And, that account number is the one that ends in five nine nine three.

utterance: And, I do have the account number with us that ended in six five zero eight. I do have that closed for you. Was there anything else that I could assist you with today?

utterance: Oh nope. That will be all. Thank you so much for your help Edith.

utterance: Thank you so much, Miss Johnson, for calling Intellibank and I hope you have a wonderful day.


utterance: Hi. Thank you for calling Intellibank. My name is Wanda. How may I assist you today?

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

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

utterance: Oh, I'm doing well. Thank you so much. I was actually wondering what kind of business documentation would I need to I guess like get a line of credit or a loan, something along that lines, with your bank?

utterance: All right, ma'am. I'd be more than happy to get that information for you. What we would need is a copy of your business license, two years of your personal tax returns, two years of your business tax returns, and also two years of your year-end financial statements. And that could either be emailed, mailed, or faxed in to us.

utterance: Oh, OK. Well, that's great. the. Actually, the reason I was asking about that is I saw an advertisement on TV. I just caught a little bit of it, but it was something for business that gives you like two percent cash back on all of your purchases?

utterance: Oh, yes, ma'am. you must be referring to our the Intellibank business platinum card. And with that, you would get two percent cash back on all your purchases, but it does have a one hundred dollar annual fee, but, I mean, you pretty much make your money back with that.

utterance: Oh, yeah, yeah. That actually sounds really good.

utterance: Well, ma'am, I'd be more than happy to go ahead and help you with the application for that today, if you'd like.

utterance: Yeah. That sounds great. Thank you.

utterance: You're quite welcome, ma'am. Let me just get some information from you. May I have your name, please?

utterance: Sure. my name is Cynthia, C Y N T H I A. My last name is McMann M C M A N N.

utterance: Thank you, Ms. McMann. And may I have your home address, please?

utterance: Yeah. My home address is seven zero three Long L O N G Street. and that is in Ocala O C A L A, Florida, three four four seven four.

utterance: Thank you so much, Miss McMann. I have your address as seven zero three Long Street in Ocala, Florida, three four four seven four?

utterance: Yes, ma'am.

utterance: Thank you so much. May I have your social security number, please?

utterance: Yeah. that is six zero nine seven six three seven nine five.

utterance: Thank you, ma'am. I have six oh nine seven six three seven nine five.

utterance: Yes, ma'am.

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

utterance: Yeah. it's a Florida license. And that is C as in Charlie, six three two six seven seven seven eight nine.

utterance: Thank you, ma'am. I have C as in Charlie, six three two six seven seven seven eight nine. And you said that was a Florida license, correct?

utterance: Yes, ma'am.

utterance: Thank you so much. And we also do need a PIN number for you. That could be between four and eight digits long.

utterance: Oh, OK. how about we do three five two eight zero six four four.

utterance: All right. That's three five two eight zero six four four?

utterance: Yes, ma'am.

utterance: Thank you. And may I have your email address, please?

utterance: Sure. It is C dot McMann eighteen at Gmail dot com.

utterance: All right. C dot McMann one eight at Gmail dot com?

utterance: Yes, ma'am.

utterance: Thank you. And what is the name of your business?

utterance: Oh, I own McMann's furniture.

utterance: Thank you, ma'am. McMann's Furniture. And are you the sole owner of this business?

utterance: Yes, ma'am.

utterance: Thank you. And what date was your business established?

utterance: Oh. On January the first, two thousand and nine.

utterance: Thank you. And what are your gross annual sales, Miss McMann?

utterance: one point eight million a year.

utterance: Thank you. And may I have your tax ID number, please?

utterance: Yeah. That is four two one eight one six three oh five.

utterance: Thank you. So that's four two one eight one six three oh five?

utterance: Yes, ma'am.

utterance: Thank you. And may I have your business address, please?

utterance: Sure. It's forty-six eighty-one Parkway Drive. in Tucson, . I'm sorry. Tucson, Arizona. And that zip code's eight five seven zero one.

utterance: Thank you. So that's four six eight one Parkway, and I have that as one word, Drive, in Tucson, Arizona, eight five seven zero one?

utterance: Yes, ma'am.

utterance: Thank you. Now we do need a mailing address for you. That could either be your home address or your business address.

utterance: for this kind of stuff, I would prefer my business address, please.

utterance: All right, Miss McMann. Just to verify, we have your mailing address as four six eight one Parkway Drive Tucson, Arizona, eight five seven oh one?

utterance: Yes, ma'am.

utterance: thank you so much. Now we did have or we do offer three different types of business credit cards. We have the platinum one that we went over earlier. And we also have the gold card and the silver card. I'd be more than happy to give you more information about the other two, if you'd like.

utterance: no. That's all right, actually. I think I really like the way the platinum sounds.

utterance: All right, ma'am. Well, that actually does get all the information I need on this end for the application. Just please make sure and send in all your required, your supporting business documentation, and we'll get back with you with the results of your application just as soon as possible. OK?

utterance: OK, yeah. That sounds great. Thank you.

utterance: You're quite welcome. Was there anything else I could assist you with today?

utterance: No, ma'am. That'll do it. Thank you so much.

utterance: And thank you for calling Intellibank, and have a wonderful day.


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

utterance: Oh hello sir, how are you doing? This is Daniel Jones.

utterance: Hi Mr. Jones, how can I help you today?

utterance: Oh man. A lot. I'm calling in regards to. Wait, this is this is Capital Investor, right?

utterance: No sir, this is Intellibank.

utterance: Oh Intellibank. I am so sorry about that. that was wrong call. yes. So I'm having a little trouble in regards to, you know, my payment solutions and I need to get something that is you know, in. I need to see some things going on because there's some, you know some people who made some unnecessary modifications. So I just want to see exactly if documents match their words. So I need to see the, you know, all of the the statements or like, you know, just the the transaction that's been going on. cuz my account. My my accountant and my my my my secretary. They had access to this. And I. Now it's on my head. So I need to just see what's really going on and Making sure things are what it's supposed to be. Now I don't know if they changed the address on there so I need to check that too.

utterance: Uh-huh.

utterance: Okay.

utterance: Sure.

utterance: Sure.

utterance: Yes.

utterance: Okay. Got it. well, can you tell me your name again, sir, and your date of birth and we'll look up your account?

utterance: Yes, Daniel Jones.

utterance: Got it, Mr. Jones. And your date of birth?

utterance: Date of birth is zero two fifteen nineteen sixty-nine.

utterance: thank you Mr. Jones. OK and now can you verify the account number for me and your PIN number?

utterance: Yes sir.

utterance: Yes. the account number is five one six seven four three three three one one. And my my. You said the. That was the account number. What else did you need?

utterance: That was the account number.

utterance: I need the PIN number.

utterance: Oh okay but take a moment. take a beat and let me go let me go get that cuz I don't have that in my presence. One moment.

utterance: Okay.

utterance: All right sir, you there?

utterance: Yes sir.

utterance: All right, all right, okay. I got that for you. It is eleven twenty-two eight.

utterance: Eleven twenty-two eight. Got it. Thank you. and to verify your identity, can you answer what your mother's maiden name is?

utterance: Yes. Margaret.

utterance: Her last name is Margaret?

utterance: You said You said her . Yes.

utterance: Maiden name.

utterance: Oh maiden name. Oh Lord. I'm sorry about that, I gave you her first name. no her last name. Her her maiden last name was Broussard.

utterance: Broussard, thank you. okay. Now I have your account information pulled up here. Is there a specific transaction you would like or would you like a copy of a bank statement mailed to you?

utterance: Yes I would. I.

utterance: I would like both I would like take both of those actions. You can .

utterance: Which account, which.

utterance: Transaction would you like to look up? Is there a specific vendor or would you just like to see the entire statement?

utterance: Yes, the entire statement.

utterance: The entire statement, fantastic. this information should be on the webpage for your account. but I can also email you a copy right now and I can mail you something if you need something for your. .

utterance: Yeah.

utterance: OK.

utterance: That would be good.

utterance: Yeah.

utterance: Yeah I would actually need both cuz. Yeah.

utterance: Both.

utterance: OK, great. And can you verify your email for me?

utterance: Mm.

utterance: yes, it is Daniel Jones Invest at business dot com.

utterance: Business dot com. Interesting, I haven't heard of that one. That sounds great. fantastic. And can I get your mailing address to send a copy of this out to you?

utterance: Yes.

utterance: Absolutely.

utterance: Yes. wait. I believe there is two email, or not emails. Two addresses on there so this one may be it and the other one may be it. I'm just not for sure which.

utterance: OK.

utterance: Sure.

utterance: Cuz there's two on there and they they should never do that. but the first one is. It should be the first one that's on top. But this one that I do have is four eighty Ruby Wright Road Traverse City in Michigan.

utterance: Uh-huh.

utterance: ZIP code is forty-nine sixty-eight six.

utterance: Got it, yes. That is the address we have on file.

utterance: Okay.

utterance: and that's the address you want the statement sent to?

utterance: Yeah, I will take that one. I I think the other one was. I think the other one was the the Arkansas headquarters at seventy-nine nineteen seventy-nine Sunset Drive Sparkman. Yeah so. Yeah. Yes.

utterance: Hmm.

utterance: OK. I don't have.

utterance: That address on here. I'll make sure that this mail address and I'll make sure that the Traverse City is the one we're mailing this out to.

utterance: OK you don't? OK good. Good, good, good, good.

utterance: Absolutely.

utterance: Yes sir. Thank you so much, I greatly appreciate that.

utterance: OK great.

utterance: Absolutely, and again.

utterance: You can always look this account information up on our webpage whenever you like. But this'll be emailed to you and we'll mail this right out to you. Is there anything else I can help you with today?

utterance: OK.

utterance: No, you've been a blessing. Thank you so much.

utterance: Great, thank you.


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

utterance: Yes, so I'd like to speak with an investment specialist please.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you're wanting to schedule a meeting with an investment specialist, is that correct?

utterance: yes, that's what I'd like to do if possible.

utterance: Yeah, I can do that. Do you have an account with Intellibank?

utterance: I do. I have a checking account.

utterance: OK let me get you some information from you real quick. What is your account number?

utterance: So my account number is three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: And Jill can I also get your date of birth please?

utterance: Yeah that's March second nineteen eighty.

utterance: All right and it looks like your account has a four digit PIN number on it for security purposes. Could you also share that PIN number with me as well?

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

utterance: All right.

utterance: I'm sorry, did you say six four seven eight?

utterance: Yeah, that's what I said I believe that's what is is but honestly I don't have a clue. I've tried twice to reset in online banking and I can't do it so six four seven eight I think is what it used to be but I'm not sure if that's still what it is.

utterance: OK Jill so unfortunately I do not that is not the correct PIN so I'm not sure what if you don't know what that PIN number is there's r- really nothing I can do on my end about it. did you maybe want to place me on hold for a moment while you could try to go look for that information?

utterance: I I don't have a clue what it would be. I don't know where it will be. I'm I'm trying to d- I mean I've literally tried to do this before I mean have it switched by doing the online banking. But I can't do it because I don't know where it's at.

utterance: OK Jill, well unfortunately I have to have that account PIN before I'm able to schedule that appointment.

utterance: the PIN is a security code for your account and it ensures that we're keeping the integrity of our customer's account safe. So unfortunately without that I'm not able to set that that appointment up for you.

utterance: So I can't even schedule an appointment to speak with an investment specialist without having a PIN number?

utterance: Yeah, so unfortunately we send our customer account information with that appointment request and if I'm unable to pull up the account then I can't schedule that meeting or send it through.

utterance: OK, so how do I change my PIN? Like h- what do I need to do th- to do that? Is there some other way that I can verify?

utterance: Yeah, so unfortunately you've chosen the PIN as a security for the account when the account was created so, in order for you to change that PIN over the phone or on your online banking account, we have to verify that PIN number with you. and if you're unable to do that unfortunately we can't do that over the phone or through the online banking. So, what I could do for you is I could check locations and see what the next available appointment opening that one of our tax specialists has. And then if you do a walk-in to that location then you can like your photo ID and change your PIN and also try to do a walk-in appointment with the tax specialist at that ti- with that investment specialist at that time, if that sounds like something you might be interest in?

utterance: OK so then you said if I just go to the bank branch and I provide my photo ID that I can meet with the specialist and also change my PIN then is what you're saying.

utterance: Yeah so I wouldn't actually be scheduling you an appointment with the investment specialist. But what I can do is I can tell you what available time frames we have, where they're where they're open and don't have appointments scheduled based on your closest location. And then if you can travel to your and do a walk-in affair. So, our investment specialists whenever they have a f- appointments that aren't scheduled, they will take walk-ins.

utterance: So if you can find a place that has an opening we can kinda schedule something for you to to be able to do a walk-in and meet with one of those investment specialists. But also show your photo ID and get that PIN number changed to something that you can remember.

utterance: OK then, that sounds great. How do I do that?

utterance: OK let me see what appoint- what location has the first available opening. Is that what you'd to do? Or would you like me to find one that has the closest opening to y-, I'm sorry, the closest opening to you?

utterance: No, that's fine got an available opening, the soonest of possible.

utterance: Yep, give me just a second OK?

utterance: OK. Has it started snowing there yet?

utterance: I do not believe so. I've been inside all day though so I haven't actually seen outside. But when I came in this morning it was not snowing. I know it's supposed to at some time today though but I I don't know if there's gonna be lot of accumulation.

utterance: I thought that the roads were supposed to get really bad. I actually saw something across the TV a little while ago it said something about bad weather coming in so I was just curious if it was snowing where you were at. I'm in the Northland but it's not snowing here.

utterance: Yeah, I'm a- I'm actually in the Northland as well but no, it it is not snowing here at this time either. Again, I I haven't been out in about an hour though so and I don't have the access to a window right at the moment but I haven't had anyone come in and mention that it was snowing. Jill it looks like at the Emerald office at forty-five ninety West Emerald Street in Kansas City that it looks like one of our tax specialists, Shelley, she does have an opening from one PM to three PM today. If you could swing by that branch during that time and see if maybe you can connect with her in order to get something scheduled. If not you can also go to just to any Intellibank branch and provide a valid photo ID just to to get your PIN number reset for you and get that security question updated. And then you could call us back and then we can also try to schedule an appointment with a tax specialist that that we can get a specific time for you, if you feel more confident with that?

utterance: OK thank you. I really appreciate it.

utterance: No problem. Did you want me to email you the location and to that a- the bank location for you?

utterance: Yeah if you could that'd be great.

utterance: OK Jill, can I confirm and address for you real quick?

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

utterance: OK. So I'm sending that email to you now. I do wanna apologize that I wasn't able to get that scheduled for you or to change that PIN number for you but was there anything else that I could do for you today?

utterance: No, I think that's everything. I appreciate that. I'm sorry I didn't have the correct information.

utterance: That's all right, Jill, it's not your fault. thank you for choosing Intellibank. I just wanna I just wanna thank you for that. and hopefully we can get this sorted out for you if you come into one of our branches. But thank you for choosing Intellibank and I'll get that email with that address sent over to you shortly. Thank you.


utterance: Thank you for calling Intellibank this is Morgan speaking how may I assist you?

utterance: What am I doing here hello?

utterance: Hello.

utterance: Hello.

utterance: Hello?

utterance: Hi how are you?

utterance: I'm well sir how are you?

utterance: I'm doing OK.

utterance: OK I'm I'm Hello.

utterance: Hello can you hear me?

utterance: sir it just sounds like a little glitchy on my end are you in a bad location?

utterance: I'm in the basement let me go upstairs.

utterance: OK.

utterance: Is this better?

utterance: yes sir thank you so much sir, much better.

utterance: OK.

utterance: OK thank you so much.

utterance: What did you what were you calling about?

utterance: I'm sorry sir you your calling me this is Intellibank.

utterance: Oh my goodness, oh boy.

utterance: Oh yes it is.

utterance: OK all right Oh I remember why I called. I need to set up an automatic credit card payment.

utterance: OK.

utterance: Oh I see OK I completely understand there sir I'd be happy to assist you with that, can I please start by having your first name?

utterance: It's Rick Richard.

utterance: OK Rick Rick Rick Rickard?

utterance: Rick Rickard.

utterance: Mhm.

utterance: I'm sorry, did you say Rick? I'm sorry. Did you say Dirk? Diggler? What? I'm sorry?

utterance: Like Richard and like Rick but it's just Rickard.

utterance: it's not Richard and it's not Rick it's Rickard.

utterance: Oh Rickard OK.

utterance: OK thank you sir and may I please have your date of birth, Mr. Rickard?

utterance: Mhm.

utterance: Yes January thirteenth nineteen seventy-two.

utterance: Excellent OK sir and may I please have the last four digits of your social?

utterance: Three two three two.

utterance: And your customer PIN number sir?

utterance: Is that the four digit thing?

utterance: yes sir.

utterance: It is three four three zero.

utterance: Thank you sir and do you have your account number?

utterance: I do.

utterance: OK whenever your ready.

utterance: Oh you want it?

utterance: Yes please.

utterance: The account number is three four five one one nine two four.

utterance: OK and your routing number please sir.

utterance: the routing number's one two four eight zero one.

utterance: All right I see here that you have a payment due on the fourteenth OK and you would like to set up autopay correct sir?

utterance: Yes please.

utterance: All right, may I please have your credit card number?

utterance: Oh yes three four three one two three four three one four four three one two five zero.

utterance: Excellent and the expiration date please sir?

utterance: Oh ten twenty-five.

utterance: Ten twenty-five perfect and the security code on the back sir.

utterance: Two five two.

utterance: OK what I'm gonna go ahead and do is set you up for autopay this will be be taken into effect this month so you don't have to worry about missing a payment ever again.

utterance: Oh that's fantastic thank you so much.

utterance: Oh, you're welcome sir and I'll go ahead and email this to the email address that we have on file just as confirmation which email address would you like us to use sir?

utterance: show stopper thirty-two at Hotmail dot com.

utterance: Excellent I will go ahead and sent that email right on over right now just be sure to check your spam folder, it can take up to a full twenty-four hours to receive the email even though that is not typical just wanna put that out there for you.

utterance: Thank you so much and one I have one more thing.

utterance: You're welcome.

utterance: Sure.

utterance: I have a loan with you guys if you could just give me the balance for that that would be great.

utterance: OK absolutely.

utterance: Oh this is on your platinum plus loan and the balance is seven thousand four hundred and twenty-six dollars.

utterance: OK fantastic.

utterance: OK sir was there anything else that I may be able to assist you with today?

utterance: no that should just do it.

utterance: OK.

utterance: Also sir just to let you know you you qualify for the diamond plus loan if that's something that you're interested in.

utterance: Oh is that I get a lot of diamonds?

utterance: Well it's just, you know, more money for your business if need be.

utterance: Mhm.

utterance: so yeah it's just something I wanted to make you aware of that you've been a great member with us so you are now qualified.

utterance: OK.

utterance: OK thank you so much.

utterance: Oh you're welcome sir, if there's nothing else that I may be able to assist you with thank you for calling Intellibank and you thank you for being a valued customer and you have a wonderful day.

utterance: Thank you so much.

utterance: Oh you're very welcome sir.


utterance: Hello, and thank you for calling Intellibank. My name is Ramona, and I'm here to assist you today. And who do I have the pleasure of speaking to?

utterance: hi. My name's Georgie Kramer.

utterance: Hi Georgie. How you doing today?

utterance: Yeah, I'm good. How are you?

utterance: Great. Thank you so much for asking. How may I help you today?

utterance: Hi. I got this weird letter in the mail saying that you're gonna start charging for having a savings account. Is that true?

utterance: Oh. The Can you tell me a little bit more about what it says? Are you talking about a service fee?

utterance: yeah. It it says that you're gonna start charging service fees, like, twenty dollars a month?

utterance: OK. I s~

utterance: Regardless

utterance: Of how much money is in the account.

utterance: Oh, no, actually on our smart savings account there is a twenty dollar fee, if your balance drops below the five hundred dollars. As long as you maintain that five hundred dollars there is no service fee.

utterance: Oh. OK. And is that for all the accounts across the board, or is that just checking?

utterance: well, this is this was referring to your savings. Did I did I misunderstand you?

utterance: Oh, no.

utterance: You're right. Sorry.

utterance: Oh. Yeah, this is referring to your savings. There are different fees associated with different types of accounts.

utterance: Accounts.

utterance: Oh

utterance: OK. I just need to transfer money from my savings to my checking please.

utterance: Not a problem. I'd be glad to help you with that. Let me just gather a little bit of information so I can do that for you, all right?

utterance: Mhm.

utterance: And you said your first name is Georgie?

utterance: Right.

utterance: Just like it sounds?

utterance: Yeah. My parents were British.

utterance: OK. Georgie.

utterance: They named

utterance: Me after that movie Georgie Girl.

utterance: Aww, well that's nice. Georgie, could you spell your last name for me?

utterance: Kramer. You know, like from Seinfeld? that character on Seinfeld, Kramer?

utterance: Would that be with a C or with a K?

utterance: Oh yeah. I guess he never said his what his spelling of his last name K. K R A M E R.

utterance: K.

utterance: OK. Great. And may I get your date of birth, please?

utterance: six two eighty-five.

utterance: OK. Let me just put that into the system. Great. And then your four digit PIN associated with all of your accounts?

utterance: four three one seven.

utterance: Four three one seven.

utterance: Mhm.

utterance: All right. OK. Terrific. OK, Georgie, so we want to do a transfer from your savings account into your checking account?

utterance: That's correct.

utterance: All right. Can you please provide me with your savings account number?

utterance: Can you hold on for one second please? I I thought I had it with me, but I don't.

utterance: Not a problem. And just so you know I'll be asking for your checking account number as well.

utterance: Oh, OK.

utterance: I'll hold. Take your time.

utterance: Thank you. OK. I have it here.

utterance: Oh OK, great. Let's start with the savings account number.

utterance: savings is six six six five four seven.

utterance: OK, and what is the dollar amount that you would like to transfer from the savings?

utterance: one thousand two hundred and ninety-eight dollars.

utterance: One thousand two hundred and ninety-eight dollars even?

utterance: That's correct.

utterance: OK. And what is the checking account number?

utterance: checking account number is seven seven seven two nine three.

utterance: OK. Great. One moment while I pull these up. All right. And I see this checking account is our business preferred checking, and since you were asking about fees, since you are a preferred checking member there are never any fees associated with this checking account.

utterance: Oh, OK.

utterance: Great. All right, so I'm just to confirm, I am I am authorizing the transfer of one thousand two hundred and ninety-eight dollars from your savings account six six six five four seven into your preferred checking account, seven seven seven two nine three.

utterance: Right.

utterance: All right, just one moment while I process this transaction. and while I'm waiting for this to finish processing, just so you know, once it hits your checking account you can access these funds at any time.

utterance: OK. Great.

utterance: All right. All right. This transaction is complete. Georgie, I would just like to ask you while I have you on the phone, did you have any questions about how to access doing this online or through our mobile app?

utterance: no, thank you. I don't trust online or mobile apps so I just always call.

utterance: OK. Well, we're always here to assist you. Call centre's open twenty-four hours a day. Is there anything else I can do to help you today Georgie?

utterance: Great.

utterance: No. Thank you.

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

utterance: Thanks. You too. Bye.


utterance: Good afternoon. Thank you so much for calling Intellibank. My name is Lily and I will be assisting you on today's call. How may I assist you?

utterance: Hi, how's it.

utterance: Going?

utterance: Pretty good. How about you?

utterance: So

utterance: I got an email and it was telling me something about you know basically if I'm looking to apply for a for a property loan. Whatever that's called. That it's gonna be a fixed rate for at least two quarters and what are. What does two quarters mean? I'm not entirely sure exactly what that represents.

utterance: Cer~

utterance: OK great. I'd be glad to help you with that.

utterance: All right. Thank you.

utterance: May I first ask your name?

utterance: yes. It's Franklin, F R A N K L I N.

utterance: OK and your last name?

utterance: Moltsanti. It's M O L T.

utterance: Mhm.

utterance: S A N T I.

utterance: OK great, and then if I need to go into the system for anything I'll just ask you for a little more info. Of course but so basically what I'm hearing is you got some information about a loan. That it could be a fixed rate for at least two quarters?

utterance: All right. Thank you.

utterance: Yeah two quarters. I'm just. I don't understand what a a quarter represents.

utterance: Not a problem.

utterance: Thank you.

utterance: A quarter in most cases is gonna refer to a four month period of time.

utterance: OK. OK great. Great and if I do decide to go that route in terms of a you know a property loan.

utterance: Mhm.

utterance: What what exactly is a form I need to fill out or what what type of documentation do I do I need?

utterance: OK. Franklin, it's actually pretty easy to do that and I could probably help you just a little better if I pull you up in the system. I have your first and last name. May I get your four digit PIN number?

utterance: OK.

utterance: Sure thing. It's eight one six seven.

utterance: OK and then can you also verify your date of birth for me?

utterance: Mhm. It's February thirteenth nineteen ninety.

utterance: OK perfect. OK great. I do see you here in the system and I do see the accounts that you carry with us and it looks like this would be your first first business veering into property.

utterance: Yeah, that's right. It's first one.

utterance: OK.

utterance: So it actually would be fairly similar to the your previous loans you've done with us. Applications can be done online. they can be done via our mobile app, in the branch of course, and they can be done over the phone. in terms of what you need for it there's a little bit of variety depending on the types of loans. You'd be looking at either a real estate loan or a one that's called the SBA seven. I need to double check myself .

utterance: Mhm.

utterance: Well specifically.

utterance: It's real estate that I'm interested in.

utterance: Right.

utterance: The SBA five oh four loan which can be used for real estate, depending on how you're using it you might be a candidate for that. And that would be a lower interest rate for a longer period of time than the quarters that you were talking about.

utterance: Yes.

utterance: OK well that's what I like to hear.

utterance: OK and in in a nutshell documentation that we would be required for either loan would always that'd be a photocopy of a driver's license.

utterance: Uh-huh.

utterance: A tax ID number.

utterance: Well does it have to be a driver's license? Can I use my passport?

utterance: Let me just check that for you. do you have an identification card?

utterance: Oh

utterance: Yeah. Yeah.

utterance: OK.

utterance: Yeah you can do the identification card. That would be in lieu of a driver's license. However if you supply a passport as well that would just help you along.

utterance: Fantastic.

utterance: OK.

utterance: Great.

utterance: So you'd be all then also be required to show a copy of a business license if that pertains.

utterance: Mhm.

utterance: OK. Then you'd be looking at generally a two-year period for tax returns.

utterance: OK.

utterance: And they would be not only your business tax returns but also your personal tax returns. Then you would be required to show financial statements and it looks like generally again a two-year for a two year period. And then since it is property if you have purchased property before even for personal use showing a copy of the deed and payment history can also show that you're an excellent candidate for a loan. and again different types of loans might have slight different documentation but that's the gist of it and that kind of documentation can be walked into a branch. you can do it online via our portal to upload and we also take it you know if a via fax as well.

utterance: OK great. Well you know I think I've got just about everything I need from you so I wanna just thank you for your time.

utterance: OK.

utterance: Appreciate it. I'm. My. It's my pleasure, Franklin. I hope we hear back from you soon.

utterance: Yeah.

utterance: So do I. Hopefully goes through just fine.

utterance: OK well thank you for your loyal patronage and thank you for calling Intellibank.

utterance: Yeah you have a great day.

utterance: You too. Bye bye.


utterance: Thank you for calling. This is Craig Tyler Nelson, how may I help you today?

utterance: Hi Craig Tyler Nelson, how are you?

utterance: I'm doing very well. How are you doing today?

utterance: Well, I'm OK.

utterance: You're OK. What's going on? What can we do for you?

utterance: I just need to make what seems like a simple internal transfer.

utterance: Sure that's no worries. can I start off by having your account number?

utterance: My account number is five eight eight seven two one.

utterance: Five eight eight seven two one, and I just have a couple of other questions just to verify. I'll be very quick. What's your name please?

utterance: Rhonda.

utterance: Beetle.

utterance: Rhonda Beetle. Rhona Beetle. All right Rhonda, can I get the your last four digits of your social security number?

utterance: Zero zero seven one.

utterance: Zero zero seven one, and your date of birth.

utterance: My date of birth is five twenty-three nineteen eighty-five.

utterance: nineteen eighty-five. Five twenty-three. Zero zero seven one. Let me look you up really quick.

utterance: Great, Rhonda Beetle. What. So how much are we looking to transfer over?

utterance: Well, would I be able to transfer everything?

utterance: Sure, it says here we have twenty thousand dollars to transfer over to where?

utterance: So I think I would like to transfer actually only half of that.

utterance: OK let's. So we're transferring ten.

utterance: Yeah.

utterance: Ten's going to Your savings. And what. What's your savings account number?

utterance: My savings. Mhm.

utterance: Oh my savings account number.

utterance: It's one two three seventeen forty-five.

utterance: One two three seventeen forty-five.

utterance: Twenty-three one.

utterance: Twenty-three one.

utterance: Perfect. Great and while I'm doing that, I'd like to ask you have you heard about our online banking services we provide?

utterance: No.

utterance: Would you like to hear more information?

utterance: maybe.

utterance: Maybe. Well Rhonda, it's really a great tool to use and it's very simple to use.

utterance: If you're. If you're hesitant on it I can send you an email that that's really explanatory and . And tells you about the app and all the benefits of using online banking.

utterance: How about you just tell me right now?

utterance: Sure Well for one you don't have to wait on hold when when you're trying to get a hold of me.

utterance: OK.

utterance: And online banking is, of course, you can. We have an app that you could use on your phone. You can make all these transfers yourself in matter of seconds.

utterance: Is there a fee?

utterance: No there's not. There's not a fee. Not at all. If. Long as you're a customer of us and you'll be able to Transfer. You'll be able to check your balance. You'll be able to take pictures of your checks and and deposit them via the app on your phone. Yeah you don't. No more getting into the truck or into the car and waiting in traffic and waiting in line at the teller machine or waiting in line at the bank. You can do it all in your. In the palm of your hand.

utterance: Oh!

utterance: Wow!

utterance: Oh my.

utterance: I've waited my whole life for this.

utterance: Whoa luckily there's still a lot of life to live. So we'll we'll we'll get you set. Can I send you an email?

utterance: Yes.

utterance: OK great. What's your email Ms. Rhonda?

utterance: Oh you're. You're right, it's Ms. Rhonda.

utterance: All right.

utterance: Ms. Rhonda.

utterance: Ms. Rhonda.

utterance: At Outlook.

utterance: At Outlook.

utterance: Mhm dot com.

utterance: Dot com.

utterance: Yeah.

utterance: Great Ms. Rhonda, is there anything else I could do for you today?

utterance: Well, yeah actually. I was thinking about opening another account for another small business that I own.

utterance: Oh wonderful. Great. We'd love to help you with that.

utterance: Mhm.

utterance: OK.

utterance: Now is this an account that's gonna coexist with your current accounts?

utterance: I think so. Can you send me some information about what those options would look like?

utterance: Absolutely, and because you've been such a loyal customer for a year and a half we're gonna go ahead and send you all the information we have with small businesses and all the benefits we have with business accounts and business credit cards and everything. It's gonna be great.

utterance: Oh, great!

utterance: That will be great. I'm really looking forward to it.

utterance: Perfect. We're looking forward to serving you and keeping you around as a customer and helping your. Helping your small business flourishes. Can I ask what you're gonna be doing?

utterance: Oh I wanna provide donuts.

utterance: Oh provide donuts. Well I would love to to have . Have you as a client and bring donuts to the office everyday.

utterance: I would love that too. So let's get that worked out and thank you so much for everything.

utterance: Thank.

utterance: You so much. I'll talk to you later, Rhonda.

utterance: Uh-huh.

utterance: Can't wait.

utterance: All right.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Mary. How could I help you?

utterance: Hi. This is Peter Davis and I have a problem with one of my employees and I think he has a code that I need when I call you so I want to change that code.

utterance: Oh yes, Mr. Davis. I'd be happy to help you with that. I believe you're wanting to change your PIN code?

utterance: Yes. But not the PIN code on my bank card but when I call the bank.

utterance: Yes, sir. I understand that. OK. Let me get some information from you. let's see. Your name you said was Peter Davis?

utterance: Correct? And what's the business name you have?

utterance: Correct.

utterance: Tom's Grocery.

utterance: Tom's Grocery. OK. Mr. Davis, can I please get your date of birth?

utterance: November four nineteen sixty-eight.

utterance: OK, Mr. Davis. November fourth nineteen sixty-eight. let me also verify some other information that you have on file.

utterance: can you please provide me with your mailing address?

utterance: Yeah, that's one thousand Mary Lynn Austin, Texas seven eight one two two.

utterance: And my email address is Peter sixty-eight Davis at Gmail dot com.

utterance: OK, Mr. Davis, I got both of that.

utterance: OK.

utterance: OK so Peter dot Davis sixty-eight at Gmail dot com.

utterance: Yes.

utterance: OK and your home address is one thousand Mary Lynn Austin, Texas seven eight one two two. What is your business address?

utterance: Do you have one or do you just like to receive your mail at home?

utterance: No. Just mail at home. That's good.

utterance: OK, sir.

utterance: OK so you said you wanted change your PIN code. do you happen to know the old one?

utterance: Yeah. That's four times eight.

utterance: OK so eight eight eight eight.

utterance: Yes.

utterance: OK I see. Let me plug that in to make sure we have the right account.

utterance: OK, Mr. Davis. It does pull up Tom's Grocery and what would you like to update that PIN to?

utterance: To one one zero nine.

utterance: One one zero nine. OK.

utterance: One one zero nine. I got it. It'll take just a minute to update. while that is processing would you like to apply for one of our silver or gold business credit cards?

utterance: No, thank you because I don't have much time. I need to go to the movies.

utterance: I have an appointment tonight.

utterance: So hopefully we can go through this very fast.

utterance: OK, Mr. Davis, yes. I'll try to get that through as fast as possible. It does take a few moments on our end for it to go through to servers. let me look at some other information while that is still processing. do you also still receive our monthly business mailing information?

utterance: Yes.

utterance: OK. We also have some great loans. are you in the need for a new business loan?

utterance: No. I'm good with that. I only want to have the the monthly information.

utterance: You have a like a newspaper? A monthly one?

utterance: Yes. We send out a monthly newsletter. Let me get into that screen do you receive that by email or do you receive that by post?

utterance: By I want it by post.

utterance: OK. Let me go in there and update that on that screen. OK. So it looks like the next mailing will go out in probably three weeks so you'll start receiving it at your home address at that time.

utterance: That's good.

utterance: OK. Let me look at some other information on your account. Looks like you've been a great customer, a business customer, of ours for the last ten years, Mr. Davis. Thank you so much for that. are you a member of our silver checking account?

utterance: No.

utterance: OK, sir. We have some great opportunities for your businesses as long as you make under a million a year. Is that what you are making or are you making more than that?

utterance: No. I'm good with the business right now.

utterance: I only want some information by email about the traveler's card.

utterance: OK, sir. business traveler's card. We actually don't offer business traveler's card. Tha~

utterance: No

utterance: The private one.

utterance: Oh, OK. So for your private account. OK, sir.

utterance: Yes.

utterance: Just a moment. let me get that information pulled up. Do you wanna receive that at your home address?

utterance: Yes.

utterance: OK so I can get that mailed out. This is only for personal accounts. We don't offer that as the business accounts.

utterance: But we would be happy to have you fill out the application and sent it into us.

utterance: if you have any questions to~

utterance: The account

utterance: Number for my and checking account is five four three two one zero zero one two three.

utterance: OK, Mr. Davis. I actually don't need that right now but thank you so much for providing that. That's your personal account. Correct?

utterance: Oh.

utterance: Yeah.

utterance: OK, Mr. Davis. So I'm just gonna go ahead and get this credit card information out to you and you can fill it in. This is only for your personal account. It's not business related.

utterance: you can fill it out online or send it back to us and will get it processed for you let me go and check on that PIN code.

utterance: OK, Mr. Davis. It looks like it has been completely updated. Would you like to add anybody on this account or should we only talk to you in the future?

utterance: Only me. Maybe in the future, it will change, because I have that movie date tonight.

utterance: OK, Mr. Davis.

utterance: Well, I hope you enjoy your movie tonight and thank you so much for calling Intellibank. If you have any other problems or need anything updated or changed, just let us know.

utterance: my name is Mary.

utterance: thank yo so much and have a great evening.

utterance: OK. Thank you very much. Bye bye.

utterance: Bye bye.


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

utterance: Yes. I'm to borrow some money for business related expenses but I'm not really sure what I need to do.

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

utterance: It's Jill Baker.

utterance: All right and do you prefer that I call you Jill or Ms. Baker?

utterance: You can just call me Jill, please.

utterance: All right, Jill. So you said you need a loan for some business related expenses. Is that correct?

utterance: Yes. That's right.

utterance: All right and are you an Intellibank customer currently, Jill?

utterance: Yes. I have an account with you.

utterance: All right. Jill, can you explain to me a little bit more about the expenses that you think you're needing to cover?

utterance: yes. So we've grown quite a bit in the last year and I need to buy some new transport vehicles for our supplies and and just a few other little uptake things for the business. That's all.

utterance: All right. So kind of based on what you've told me. I'm thinking that the SBA seven A loan might be the best fit for you for what you're needing. we do some have some line of credit credit options as well but those usually require shorter terms. and if you're borrowing money to purchase several vehicles and you said you're kind of expanding. I think the line of credit terms might be a little too short for what you're helping to accomplish.

utterance: I mean can you kind of explain the SBA seven A loan to me, please, so so I can be sure it's a fit.

utterance: Yeah, absolutely. So the SBA seven A loan is a business administration loan offered to small businesses and it's a loan where the government is doing some of the risk from the bank. So that way, the loan, we can approved that loan even when maybe the business has a little bit higher debt than we would normally approve a loan on.

utterance: The government also guarantees some of that loan loan amount and then they assist in capping the interest rates and limiting the loan fees with the bank on that too. So you get a little better deal with that loan for your business.

utterance: OK. So that sounds a little bit more what I'm looking for. how do I apply? But can you also tell me are there strict requirements for it?

utterance: Yes. So we do have some requirements that you have to meet. We'll kinda go through that with the loan process. Once we do the pre-approval and I select that that's the type of loan you're applying for once everything gets reviewed. They'll tell you whether or not you've met those requirements but it mainly just pertains to your debt to income ratio. Those kind of factors.

utterance: OK then I'd like to apply.

utterance: OK. So let me get some information from you.

utterance: What is your account number?

utterance: So my bank account is three four six zero two nine nine eight. and do you need my social too? That's eight four seven two zero nine three zero zero.

utterance: Thank you, Jill. And what is the name of your business?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

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

utterance: Yeah, it should be six four seven eight.

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

utterance: I live in Kansas City, Missouri.

utterance: And what is your street address?

utterance: It's five three nine Hilton Road.

utterance: And your ZIP code there?

utterance: Seven three eight two zero.

utterance: Jill, can I also get a social security number for you.

utterance: Yes, of course. It's seven three eight zero two zero seven eight three.

utterance: All right, Jill. Do you have a driver's license and if you do what is your driver's license number?

utterance: I do have a driver's license. it's M as in Mary nine two seven zero zero two zero.

utterance: All right and what state is that license out of?

utterance: It's out of Missouri as well.

utterance: OK.

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

utterance: yes. I'm the only owner.

utterance: OK and when did your business opened?

utterance: it opened on April twenty-ninth of two thousand and eighteen. I'm sorry. I'm not trying to get off copic off topic here. But are you in Kansas City?

utterance: Yes. Yes I am.

utterance: OK so this may seem like a really strange request but do you happen to know if I thirty-five in Van Brunt is back open. I'm heading to pick up an order and I forgot that it's been closed for construction for quite a while. And I'm already headed to that direction so I'm just curious if you knew.

utterance: I have not been in that way been that way in quite a while but if you could give me just a moment. I can check. I have a travel app on my phone so I can see if it still has the road closure sign up for that. Give me just a second, OK?

utterance: Are you sure? I'd really appreciate it. I know that's not your job. I'm just I'm really headed that way already so if I have to back track and go around. I just wanted to know.

utterance: It's not a problem at all. I keep the app on my phone just for my own purposes actually and it's really helpful. So let me check for you, OK?

utterance: Thank you.

utterance: All right Jill, so it looks like it's open according to my app on my phone. So it should be good to take that route.

utterance: Thank you so much. I really appreciate it. I just didn't want to get stuck in all that traffic. I'm so sorry I interrupted you. Go ahead.

utterance: No problem, Jill. OK so a couple more questions for you. What is your business gross annually?

utterance: So I believe last year, we closed five hundred and ninety thousand I believe is the gross income for us.

utterance: OK. What is your tax ID?

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

utterance: All right and what is the address of the business?

utterance: It's eight three seven eight three seven two Hillshire Way Kansas City, Missouri and it's eight six seven five two or eight three six seven two. I'm sorry. I jumbled the words today.

utterance: That's OK. can I confirm an email for you as well?

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

utterance: All right, Jill and where do you receive your mail from Intellibank? Is that at your business or your home address?

utterance: I usually get everything at the business. You can just send it there.

utterance: OK.

utterance: OK, Jill. You are wanting this loan so you can take care of some debts and purchase some vehicles. Correct?

utterance: Yes, that's right. It's I want I want to work on the second location but then also you know buy those things asset I needed.

utterance: OK.

utterance: Real quick here, Jill. I just wanna check something real quick. OK.

utterance: So I've got all that information that I think I need from you. I just verify real quick here that there's nothing else. OK yeah. So real quick, I'm sorry. I've missed a few questions. So real quick here. What is the amount that you think you need to borrow for this loan?

utterance: so I was just seeing that maybe like a hundred thousand if that was possible.

utterance: OK and will you gonna or are you putting anything down towards the loan?

utterance: so I could probably do five percent.

utterance: All right.

utterance: So five percent looks like it's about six thousand five hundred dollars. Is that correct?

utterance: well, can we just put it down straight ten thousand. I can put ten thousand dollars to that.

utterance: All right, Jill. I'll put your down for ten thousand. What kind of term are you looking at for this?

utterance: I mean if possible I'd like to do at least twenty years so I have some time to pay it back. I mean It's a significant amount. Can I do twenty years?

utterance: Yup.

utterance: Jill, if the loan is approved, we need to drop that down payment upon processing the loan. Will that down payment be coming out of your Intellibank account or another account?

utterance: No, it will come out of another account. It's Lionel Bank.

utterance: OK do you have a routing number for Lionel Bank?

utterance: Yes. It's right here. It's three seven seven four nine two nine zero zero zero.

utterance: OK and what about an account number?

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

utterance: OK. Thank you, Jill. I wanna let you know that won't be processed until the loan is approved. But we will notify you before anything is processed if the loan is approved. OK?

utterance: All right, Jill. Give me just a second. I'll send this through for pre-approval. OK?

utterance: OK, Jill. So we did get pre-approval on that. so what I'm gonna do now is I'm gonna email you a link to the loan portal with a list of documents that I will you need to provide. Once you access that email, if you can upload everything that's required for those documents then a loan agent will review those and she'll give you a back back a call back to kind of go over the loan process with you and let you know if you're accepted. Do you have any other questions about that?

utterance: No, I don't think so.

utterance: OK, Jill. Well, I appreciate you calling. you should receive that email shortly. If you need anything else from us, let us know. Thank you for choosing Intellibank. You have a great day.


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

utterance: Yes. I believe I need to apply for an SBA five oh four loan.

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

utterance: It's Jill Baker.

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

utterance: Please call me Jill.

utterance: All right, Jill. So you wanna apply for the SBA four oh five loan. Can you tell me are you currently an Intellibank customer?

utterance: Yes, I do. I have a checking account with you. can you tell me a little bit about that kind of loan?

utterance: Yeah. I can do that. So the SBA five oh four loan is specifically for the purchase of real estate purchase for the business. The five oh four loan, the government assumes some of the risk for the banks so that way the bank can approve these loans even when the business may, the business debt, may be a little bit higher than we've been normally allow our loan.

utterance: so the government guarantees some of the loan amount and then they assist with capping interest rates and limiting the loan fees with the bank. so so there's a couple of benefits there from going that route.

utterance: Are you purchasing a property with this loan?

utterance: Yes. So we're moving location. So I think the loan would probably be a best fit. We're just. We're looking at the building, the Riverfront Market. Are you familiar with all of that area?

utterance: Yeah, I am. that's a beautiful location. It's a very popular spot in the city and it's it's it's getting. It's like right there along the river.

utterance: Yes, so we're hoping it will get us a lot of exposure. But conveniently, it's it's also next to my favorite sushi restaurant so that's us moving there.

utterance: Well, that's definitely a plus. there are also some really great coffee shops in that area too.

utterance: Oh, yes. I love Thou Mayest. I can sit reading there for hours so I might not get much work down. I'll just be down there reading and drinking coffee.

utterance: Yes, so they have a pumpkin spice latte that I super love at the the Thou Mayest. It's it's delicious. I just don't get to make it down there very often.

utterance: Oh, I know. I love pumpkin spice too. I wish it wasn't seasonal.

utterance: I know. It's it's one of those things I do not understand why they only bring it out seasonally cuz I I would love it year-round too. But but Jill, I think we got carried away there. I'm sorry about that. I do need to get some more information from your real quick and then we'll get this application processed for you so we can get that SBA five oh four loan processed for you. OK? So I need to get some more information. So what is your account number?

utterance: Can you give me just a second to find that, please? Just one second. it's three four six zero two nine nine eight.

utterance: All right, Jill, and what's the name of your business?

utterance: It's Johnson Controls.

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

utterance: That's March second of nineteen eighty.

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

utterance: Yes, so that should be six four seven eight.

utterance: And what city and state are you in?

utterance: It's Kansas City, Missouri.

utterance: And oh can you give me your address where you're at too?

utterance: you're home address, actually.

utterance: Yes. So that's nine oh nine Litton Road and it's seven three eight two zero is the ZIP code.

utterance: OK. Can I also get a social security number for you, Jill?

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

utterance: All right, Jill, and what is your driver's license number and state of issuance?

utterance: So it's M three nine seven zero zero two zero zero and it's Kansas.

utterance: All right, Jill, and are you the only owner of the business?

utterance: Yes, that's just me.

utterance: OK and when did your business open, Jill?

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

utterance: All right, Jill, and what is your business gross annually? Do you happen to know what that number was from twenty twenty?

utterance: I believe it was five hundred and twelve thousand the first year.

utterance: OK and what is your tax ID number?

utterance: I'm not sure. what do I need to do then? I don't know what that is.

utterance: Jill, unfortunately I will need that to process the application. I could hold on the line if you wanna go locate that information real quick.

utterance: I'm positive it's probably at the office if it's anywhere. is there anything I can do without my my ID number?

utterance: so I can't process anything without that. But what I can do is I can get the rest of the information for the application from you and then I can save it to your account. And then once you find that number give me one second here. So then once you find that number for us, or that number for us, then we can we can go back from there and kind of you know it just save the information that we have here and once you find that then we'll. You can call us back and we'll get that loan processed. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance and the loan will not be secured until information is provided and can be verified. OK?

utterance: OK so what do I need to do then?

utterance: So basically, I'll just get. I'll I'll just go ahead and get the rest of the information from you and I'll just save that. OK? So let me ask you just a couple more questions.

utterance: OK. Thank you.

utterance: All right. So what is the address of the business?

utterance: That's three three seven two Hillshire Way. It's eight three six seven two is the ZIP code.

utterance: OK, Jill, and can I confirm an email for you?

utterance: Yes, so that's J Baker at Johnson Controls dot com.

utterance: All right, Jill, and can you tell me why you're picking this loan?

utterance: So, yes. I want to purchase a new location for our business.

utterance: OK and how much are you looking to borrow?

utterance: So I'd like to borrow like two hundred and ten thousand.

utterance: And what term are you looking for?

utterance: So I'm thinking like thirty years?

utterance: OK, Jill. So I've got everything that's all I needed from you. I got everything saved in here. so what you need to do when you call back. Just let them know that you started an application and that you just need to add your business license information. Then they'll get that license in there for review.

utterance: Unfortunately. I'm not gonna be able to tell you whether you're approved or pre-approved for that loan until they're able to process that but once you call back somebody should be able to verify that with you. OK?

utterance: When I call back, do I need to specifically speak with you?

utterance: No. You can speak with any agent that you reach when you call. So just call that. Call the number back like you did today I'm gonna add notes to your account. and along with all those save Oh, I'm sorry, along with all that saved information that I got from you and then they should be able to process that. Was there anything else I can do for you?

utterance: No, that was it. Thank you.

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


utterance: Good afternoon, this is Mike speaking on behalf of Intellibank. How may I help you today?

utterance: Oh hi, Mike.

utterance: Hi.

utterance: Hi. I need to change my statement delivery method if that's available.

utterance: Absolutely. may I ask if just to clarify this is the statement for your credit card account or checking checking account?

utterance: Well I'd like to change it for my credit card account.

utterance: OK. We can certainly do that.

utterance: what is your first and last name?

utterance: Rachel Moutine.

utterance: OK. Rachel spelled R A C H E L?

utterance: Yes.

utterance: And can you spell your last name for me please.

utterance: M O U T I N E.

utterance: M O U T I N E. Thank you Ms. Moutine, for banking with us for your small business needs.

utterance: Mhm.

utterance: You're welcome.

utterance: Thank you.

utterance: Of course, Ms. Moutine. And could you provide us with your date of birth as well as the PIN number, PIN number of your account please.

utterance: Yeah. My birthdate is November thirteenth nineteen seventy-seven. And I need to go look for my I can't remember my PIN number. And I have it written down somewhere.

utterance: And I need to go and take a little look for it.

utterance: That's perfectly fine, Ms. Moutine. We can stay on the line.

utterance: OK.

utterance: Are you still there?

utterance: Yes, Ms. Moutine.

utterance: OK. I didn't find it yet. So I'm just gonna keep looking for it. You don't mind to stay on the phone?

utterance: OK.

utterance: No no no no. Let's we can take our time.

utterance: OK. Great.

utterance: Ms. Moutine, we can also provide you with a reminder for your PIN in case you still can't find it. But please take your time and look for it.

utterance: What, what'd you say?

utterance: I'm sorry, Ms. Moutine. So we, I did, what I just said was we can provide a you with a reminder for your PIN mhm in case you mhm forgot it. but if you, if you want on keep looking for it. That's perfectly fine as well.

utterance: What would the reminder be?

utterance: So the reminder, it looks like you've set your your security question as the name of your first pet.

utterance: Oh I found it.

utterance: You found it. Great. OK. OK. Go ahead whenever you're ready.

utterance: Mhm.

utterance: Four three two three.

utterance: Four three two three.

utterance: OK, Ms. Moutine. Well, that successfully got us into your account. And you did just to double confirm, you did say you wanted to change the the delivery method on your credit card account.

utterance: Oh, great.

utterance: Yeah. I I would like to get paper statements.

utterance: You would like to get paper statements. Mhm OK.

utterance: So I do see that you are signed up for paperless statements on this account. but we can totally go ahead and change that. could you just provide me with the ZIP code for your address again just so I can confirm that.

utterance: Yeah.

utterance: Eight seven seven three two.

utterance: OK. And Could I ask why you'd you're switching back to paper statements?

utterance: I just like to keep them in my physical records. Now. Cuz I had an incident I had an inner incident within my small business. I would now like to keep a physical paper file on statement.

utterance: Filing statements.

utterance: That's understandable, Ms. Moutine. It is. and we we do wanna provide our small business customers with any service that they want. and does that includes the service that's most convenient for them. So just give me one second, once I put this change through. The system should be activated at any moment.

utterance: It is?

utterance: Hm.

utterance: And there we go. So now it'll be the statements for your credit card account will be delivered to the address with a ZIP code eight seven seven three two.

utterance: And this change will take effect immediately.

utterance: Perfect. OK great. Thank you so much. OK. Bye.

utterance: Of course. Thank you.


utterance: Hello! Thank you for calling Intellibank! My name is Sheena, and I will be assisting you on this call. How may I help you?

utterance: Hi. I need to cancel stop payment on a check that I wrote.

utterance: All right. I hear you want to make a cancellation or stop payment on a check?

utterance: Yes. I want to make a cancellation and a stop payment. Are are those the say thing?

utterance: O~

utterance: Same thing, yes. OK. And what is your name, sir?

utterance: Got you.

utterance: My name's Clarence Newkirk.

utterance: OK. I'd be happy to help you with that tonight, Clarence. Let me just get your information so I can pull up your account. Clarence, could you spell your last name for me?

utterance: OK.

utterance: Yes. It's N E W K I R K.

utterance: OK.

utterance: you you got the spelling spelling of my first name right?

utterance: It comes up here as a C L A R E N C E.

utterance: That's correct!

utterance: OK. That's what I put in, and when it matched the last name I I figured that I'd gotten it right.

utterance: Nice! Look at you working the old noodle!

utterance: OK, Clarence what is your date of birth?

utterance: Five twenty-seven eighty-one. Social Security is three two three six eight.

utterance: Oh oh.

utterance: I'm just gonna sorry to cut you off, Clarence. The the. Your Social Security is confidential. Please don't say that to me over the phone for your own safety and security.

utterance: Got you!

utterance: OK. but what will help would be your PIN number.

utterance: PIN number? yes! Of course! Why didn't I think of that? One second please.

utterance: Sure.

utterance: Sorry, I'm looking.

utterance: That's OK.

utterance: I have so many passwords, you know?

utterance: Can never be too careful. I don't like to keep the same password for things.

utterance: That's smart. They say you need to change your password every so often.

utterance: Yeah, I change mine about once every ten years.

utterance: oh, I think I got it! eight seven one. no, eight seven eight eight.

utterance: Eight seven eight eight?

utterance: Yes.

utterance: All right. Let me go ahead and put that in. And for security purposes, what is the address of the first the name of the first street you lived on.

utterance: It's four seven five Acre A C R E Drive.

utterance: OK. OK, great! Now I can pull up your information. Clarence, I see here that you're a Business Preferred Checking customer. Thank you for being a valued member. what is the check number that you would like to put a stop payment on?

utterance: Check number is.

utterance: And it should be a three to a six digit number.

utterance: Yes. It's four one seven eight three nine.

utterance: All right. Four one seven eight three nine.

utterance: Yes.

utterance: OK. And what is the dollar amount of the check?

utterance: It's two thousand five hundred and sixty-three dollars. Zero cents.

utterance: Two five six three? Even? OK. All right. And Clarence, I just need to put a reason for the stop payment.

utterance: Yes.

utterance: the person that I wrote the check to has misplaced it, so I'll have to write them another one. But just in case someone else happens to happen upon it.

utterance: Oh.

utterance: OK, yes. We'll. All right, we'll put down lost. OK. So let me just repeat back the information, and then I'll go ahead and process this request.

utterance: OK.

utterance: Check number four one seven eight three nine in the amount of two thousand five hundred and sixty-three dollars and zero cents is being canceled due to it being lost.

utterance: Yes.

utterance: All right. Let me go ahead and process this request.

utterance: OK. That has been that has been done. the. I see your email address here, and the confirmation will go out to this email address as well as a confirmation number.

utterance: Great and

utterance: Would you like

utterance: I'm sorry?

utterance: yes. I usually do this online, but since I have you on the phone could I actually get another book of checks sent?

utterance: Yes! let me go ahead and process that for you.

utterance: OK.

utterance: All right, that's taken care of!

utterance: Fantastic! .

utterance: OK.

utterance: Very good! And was there anything else that I can assist you with tonight? Would you need any assistance with. Assisting online online banking or any other services that we provide?

utterance: no, not really. I. I. I'm, you know. I'm a. I'm I'm not that old, but I'm old fashioned, so you know I'd rather have some human-to-human contact. I'm I'm I'm really growing pretty skeptical of all this technology. You know, to me it's like more technology, easier hacked. I don't know.

utterance: I hear you! All right then! If there's nothing else, then I want to thank you very much for being a valued Intellibank customer and wish you a good night!

utterance: Thank you! Likewise. Happy Holidays!

utterance: Thank you, Clarence! You too!


utterance: Hello, thank you for calling Intellibank. My name is Travis, what can I do for you today?

utterance: Hey Travis, I was I'm sorry. Hold on a sec. Can I put you on hold? I'm sorry, one. Let me put you on hold, OK?

utterance: Yeah, go ahead.

utterance: Honey, I got the kind of on the phone right now you, just gimme gimme the card. Honey? I'm sorry. Travis, are you still there? put you on mute? I'm not sure.

utterance: Absolutely.

utterance: Oh no, I'm here. I'm just just holding.

utterance: OK. Yeah. I'm back. Sorry about that, I had a little domestic, but never mind. yeah, I was hoping to get some I was calling for some just a financial info. I'm sorry, I I mean the the the stock the stock value.

utterance: Stock value financial info are you looking to get a stock quote today?

utterance: Yeah, I I don't know why, I always forget quote. But yeah, that's what it is. A quote.

utterance: OK.

utterance: Yeah, I can get a stock quote for you. That's easy enough to handle by phone. And first, I'm gonna need your first and last name.

utterance: Oh, yeah. That's John Simmons.

utterance: John Simmons. Your date of birth?

utterance: April twentieth nineteen eighty.

utterance: OK. And your four digit PIN number?

utterance: gosh! You know I have so many of these PINs, I. Hold on a second. My my wife's. No right here. My yeah my OK. OK. yeah. OK. Eight seven seven seven three.

utterance: Eight seven seven seven three. I have that access for you. That is correct. And finally.

utterance: Cuz you know.

utterance: When earlier when I started out with this. With the financial, there wasn't you know, there wasn't those PIN numbers, and now there's just so many passwords, you know, on these websites. I forget half of them. and when I first started banking, it was just was it Social? Oh no was it Yeah, I think it was just Do you need my Social?

utterance: No, not this time.

utterance: Oh, OK. I'm sorry, do you need anything else from me?

utterance: So, I was gonna ask you, which stock you are inquiring about. The stock symbol?

utterance: OK, so you don't need my account number? yeah, the symbol. Yeah, it's right here. It's H G R. HGR.

utterance: HGR. All right. Under your stock portfolio that I have access to now. HGR. That is the.

utterance: Oh I'm not sure if I call it portfolio, you know. It's it's more just a stock, .

utterance: Well, HGR says that will be the stock. the Holistic Growth The Holistic Growth Rochester is that correct?

utterance: Yeah, I used to live up in that area and I knew the I knew the founders know it's, you know they're you know, they were some type of successor company and then they were. anyway yeah the new new ownership, that kind of thing. But their products are good so I stuck with them. what's the what's what's the value of that right now?

utterance: the current value of HGR as of today at three thirty-two p.m. Eastern time is three thousand one hundred ninety-six dollars and twenty-seven cents.

utterance: OK. That's good right?

utterance: I am not allowed to give opinions on stocks. We.

utterance: Oh boy.

utterance: Don't have permission, huh?

utterance: Well, I'm just here to process orders and give the Intellibank services that I am trained to offer. We do have Wealth Management Specialists which can help you with that, and those.

utterance: So what.

utterance: What kind of specialist are you?

utterance: I am a Processing Specialist here at the call center. .

utterance: That's why they.

utterance: Pay you the big bucks, huh?

utterance: Well, I am not going to comment on that either. But they do provide me with a nice little desk, hand Yes I have hand sanitizer.

utterance: That's very nice.

utterance: What's the desk made of?

utterance: I'm not sure, I think it would be office furniture that you would find kind of at your local Staples or possibly Home Depot.

utterance: OK. All right, Travis. I let, I'll let you off the hook with that one.

utterance: OK. But yes, that's the current value. If there's nothing else I can help you with today, is there anything else you need?

utterance: not financially. I'm a little hungry, but I doubt you can help me with that.

utterance: No, not at this time. I'm sorry about that. I need to take lunch myself but I can certainly understand your pain. So, just gonna conclude this call and let you know we thank you for being an Intellibank customer. An Intellibank valued customer, says here, since June first two thousand five.

utterance: All right. It's sandwich time. See you. Travis.

utterance: OK.

utterance: Enjoy that sandwich. Bye bye.