utterance: Thank you for calling Intellibank my name is Erica. How may I assist you today?

utterance: Hi Erica my name is Tristan and I'm calling because I'd like to make a wired transfer to one of my external business accounts.

utterance: Sure Tristain I'd be glad to help you with that today. You'd like to make a transfer from one of your existing accounts into an outside external account is that correct?

utterance: Yeah I wanna transfer from a profound account to my what's the name of the other. Total not total but my I think it's external account. Well I'm just rambling.

utterance: OK I'll we'll look up your account information we don't have an account called profound, if we're talking checking we have a business total and a business preferred account.

utterance: Yo! Yes preferred.

utterance: OK no problem. And again I'll find that information when I look up your account information Let me Sure. Let me just get a little information so I can put up on our system. Tristain can you spell your first name for me?

utterance: Got you.

utterance: Yes it's T R I S T A I N. My last name is Brown just like the color.

utterance: All right. One moment. All right and may I have your pin number Tristain.

utterance: Yes my pin number is one second please?

utterance: Sure no problem take your time.

utterance: well I have a I have a couple different pins written down here actually is it. Can you tell me how many digit is it?

utterance: It's a four digit number.

utterance: Four digits got it OK I have two four digit numbers could you try them both, I'm sure it's definitely one of them but I'm not sure which one.

utterance: All right.

utterance: Two two eight six five four seven nine.

utterance: All right, I'll try the first one and see if that works.

utterance: OK.

utterance: All right two two eight six does go through. All right Tristain may I also have your date of birth?

utterance: Perfect.

utterance: Yes it's three eleven eighty-six.

utterance: Three eleven eighty-six.

utterance: Eight six.

utterance: Yes. And my address is. Do do you need my address?

utterance: Not at the moment let me just wait for your date of birth to go through. All right yes if you want to confirm your address that would be wonderful.

utterance: Four eight seven Summerville drive.

utterance: That is what we have on file correct and Tristain the account number that we will be taking the transfer from.

utterance: Four four eight one nine.

utterance: Four four eight one nine.

utterance: Yes.

utterance: All right, I'm pulling up your account information. All right and then you do want to make a transfer from this account to an outside account. The account that we'll be transferring to will that be a domestic account or an international account?

utterance: yes I'm making a transfer it's going to be in the United States of. Domestic.

utterance: Domestic yes OK. And do you have a wire transfer number also known as a routing number for me?

utterance: Whoa wire transfer number is also known as a routing number I didn't know that.

utterance: Learn something new every day. yes, I have the number. It's two eight seven seven nine three six five five.

utterance: OK.

utterance: All right the number I have is two eight seven seven nine three six five five.

utterance: Yes.

utterance: All right and what is the amount that you'd like to transfer from your preferred checking account?

utterance: I'd like to transfer twenty-eight hundred dollars.

utterance: OK.

utterance: All right and Tristain the account number that we'll be transferring it to.

utterance: it's bear with me here.

utterance: Mkay.

utterance: six zero eight nine seven one. Yeah! This is. My favorite candidate is running for senate and I just decided to support his campaign.

utterance: Wow! You're making a campaign contribution?

utterance: I am.

utterance: Wow! Lucky lucky candidate.

utterance: I am

utterance: It is right. I I know this. Well I guess from company is making that.

utterance: Uh-oh I see so benefit for the senator and a benefit for your business.

utterance: a win win right?

utterance: Yes.

utterance: Absolutely. All right. So let me just confirm this here. The account number six zero eight nine seven one is not going through, is it perhaps is a digit off or is there?

utterance: could you say the number again?

utterance: Sure six zero eight nine seven one.

utterance: No I said six seven eight not seven one I thought I did But you're right. I didn't. I I said the correct number it was on you the fault is on you. You guys are recording this you can go back and play it. I'm just messing with you. But I'm sorry I have to get back to work.

utterance: OK no that that may have been the problem there.

utterance: No that's OK

utterance: OK.

utterance: They're literally calling me to the floor right now. is there anything else you need from me?

utterance: You got it. Al~

utterance: Nope, I will send you an email confirmation of the transfer Tristan.

utterance: You rock thank you so much.

utterance: Have a wonderful day good night.

utterance: You too.


speaker_role: Agent

utterance: Thank you for calling Intellibank, my name is Daisy. How may I help you?

speaker_role: Customer

utterance: Hi Daisy, I need to check the remaining balance on my credit card?

utterance: Sure I'll be happy to help you with that, let's go ahead and pull up your account.

utterance: what is your full name and address please?

utterance: George Emory one twenty-one Parkside Acres, Branson Missouri, five five three two four.

utterance: Thank you. Mr. Emory, please verify your date of birth.

utterance: September twenty-first nineteen ninety-nine.

utterance: What is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: Thank you and please verify for me your credit card number.

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

utterance: Thank you. This is your Intellibank business gold card, correct?

utterance: Yeah.

utterance: Thank you and you're calling to check what your remaining credit balance is?

utterance: Yes.

utterance: You still have four thousand two hundred sixty dollars and fifty-three cents remaining in your ten thousand dollar limit.

utterance: OK.

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

utterance: yes I need to make withdraw from my checking account.

utterance: So I'm gonna need the location of the nearest branch, so can you tell me the that location and their hours please?

utterance: Branch location and hours?

utterance: Yes.

utterance: Absolutely.

utterance: And this is the nearest location to your home address?

utterance: yes.

utterance: OK, it is four ninety-six Macintosh Street, and they are open the lobby is open Monday through Friday nine a.m. to five p.m. Saturday ten a.m. to two p.m. the drive through is open Monday through Friday eight a.m. to six p.m. Saturday nine a.m. to three p.m. and it has a twenty-four hour ATM available in their entry way, which accepts cheque and or cash deposits.

utterance: OK, great.

utterance: Anything else I can help you with today George?

utterance: yes I was wondering if this is something that I could check on your online portal? And could you also help me get get logged into that?

utterance: Absolutely, so have you ever actually logged in before?

utterance: I wasn't able to I wasn't able to do the I wasn't able to get my credentials.

utterance: Yeah that's what I'm showing, that you've never successfully logged in. OK let me pull that information up.

utterance: Well if this is your first time using Intellibank's online banking, you must click the first time users enrol here link read and accept the online banking disclosures and enter your account number, your social security number, your date of birth your Intellibank PIN number, and create a password.

utterance: Once you are all logged in you'll be prompted to choose and answer five security questions, and also enrol in the one time security code feature.

utterance: Now once you have access to the online banking you'll be able to do a multitude of banking items there, including checking your balances in your checking and your business checking account and your credit card.

utterance: you could print of your statements, you could set up bill pay multiple facets are available there at the website.

utterance: would you like me to send you this information via email George?

utterance: Yes, please.

utterance: All right what is the email?

utterance: It's G Emory trades at Hotmail dot com.

utterance: G E M O R Y T R A D E S at Hotmail dot com?

utterance: That's right.

utterance: All right one moment while I go ahead and submit this email request.

utterance: OK George, you should receive that email in the next couple of minutes, if you don't see it check your spam folder. For some reason if you don't have things marked it sometimes gets kicked to spam they think it's marketing materials. is there anything else I can help you with?

utterance: Nope that should about do it.

utterance: Alright George, thanks for calling Intellibank have a great day.

utterance: You too, bye.

utterance: Bye now.


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

utterance: Hi. So I was thinking. My business has been doing pretty well. Been in it for four years but.

utterance: That's great.

utterance: At this.

utterance: Point, I'm not quite happy with the way things are moving and I think it's about time I I expanded. You know what I'm saying? Just kinda Make a move. Kinda get a little bigger. Maybe buy another piece of. property.

utterance: Oh.

utterance: You were looking to possibly expand your business?

utterance: Yeah. I I think so but for then I'm curious what's some of the documentation I need in order to get a loan that's appropriate for that?

utterance: OK. Not a problem. I can go over that with you. May I ask your name, please?

utterance: Thank you.

utterance: Sure thing. It's Ross.

utterance: And your last name?

utterance: Chandler.

utterance: OK. OK. Great and Ross I'm just going to pull up your account information so I can best assist your needs.

utterance: Thank you.

utterance: May I have your four digit PIN number?

utterance: Sure thing. It's nine three. I know this and hang on. Let me look around for a second.

utterance: Yeah, I can hold if you need to go look it up.

utterance: No, if you could. Thank you.

utterance: No problem.

utterance: All right. It's around here somewhere. OK. I think it's here. Shoot. OK. I think it's definitely in my closet.

utterance: OK. I guess it's time to get that out of the closet, isn't it?

utterance: Yeah, I guess so. OK. Here. I got it. I got it.

utterance: OK.

utterance: Nine one four seven.

utterance: Perfect.

utterance: Got it. OK.

utterance: OK.

utterance: Sorry about that.

utterance: No. Not a problem.

utterance: Yeah.

utterance: OK, Ross, and then just for security purposes can you please verify your date of birth?

utterance: Sure thing. It's June eighteenth. Nineteen ninety-one.

utterance: OK. Great. OK. Great. So the type of documentation that's needed for a loan I'm going to give you a general overview.

utterance: OK. Appreciate it.

utterance: However, know that it can vary just a little bit depending on the type of loan Just to ask you. Do you. Is this a. You said you're looking to expand your business with.

utterance: OK.

utterance: Yeah. I'm looking to possibly get a loan to buy some property.

utterance: OK. That's what I was going to ask if it was a property loan or if it was going to be for the like the business itself. OK.

utterance: Yeah.

utterance: All right. That helps me out there. So, generally, we would be looking for, of course, a copy of your driver's license.

utterance: OK.

utterance: A copy of your tax ID number. OK. you'd be providing a copy of your business license.

utterance: I've got two of those.

utterance: OK.

utterance: you'd be looking at your tax returns for the past two years. Not only your business taxes but also your personal taxes.

utterance: Sorry, could you repeat that one more time? I think you got a little fuzzy.

utterance: Not a problem.

utterance: Of course. Yeah, I'm sorry for the poor connection. Two years of your tax returns both your business taxes as well as your personal taxes.

utterance: No problem.

utterance: OK. I got it that time. Got you.

utterance: OK. Then we'd be looking at your end financial statements for the entire year for two years.

utterance: OK.

utterance: That doesn't sound too bad at all.

utterance: OK.

utterance: I have one suggestion that I'd like to make right now because two thousand twenty affected so many people and such a negative way. you might want to include three years if two thousand twenty was not a good year for you. We do know that the pandemic affected everything but just to put things in your favor provide three years if you need to.

utterance: Mhm.

utterance: No. OK. I think that's good idea. I had some two great years. This one? Not awful, but it wasn't as great as it could be. So.

utterance: So glad to hear that.

utterance: Makes me a better candidate, right?

utterance: Yes, and you are definitely blessed if that's the the case. Good for you.

utterance: Yeah.

utterance: No, it's thankful. It all turned out pretty well.

utterance: Good. I'm glad to hear that. and then, I'm sorry. Go ahead.

utterance: No. I I wasn't saying anything. I'm sorry.

utterance: OK. I was just going to say when you're ready to apply for a loan we can go over the different types with you. You can do it with us directly over the phone. You can go into a branch.

utterance: Yeah, I'm pretty set on just going in and doing it in person. I think that should do it so thank you so much for all your help. I really appreciate it a whole bunch.

utterance: You can even do it online.

utterance: I'm very happy to assist you today, Mr. Chandler. Is there anything else I can do for you?

utterance: I think that should do it. Thank you.

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

utterance: Bye. You too.

utterance: Bye bye.


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

utterance: yes. I just got a notice in the mail today. About about a loan can you tell me how much and how, how much is due? It feels like I'm never gonna pay off this stupid loan.

utterance: Oh, sir, I'm very sorry to hear your frustration, I understand completely. But yes, I can absolutely give you the information on your loan balance due. Just give me one moment while I set-up this information to look up your account.

utterance: OK.

utterance: All right sir. I'm gonna need a little bit a information from you to get to your loan account information. Are you ready?

utterance: Yes.

utterance: All right. Can I have your first, last name and date of birth please?

utterance: Yes, my first name is Gabriel. Last name is Robertson. My date of birth is ten twenty-four one nine seven four.

utterance: All right. you say Gabriel Robertson, and your date of birth is ten twenty-four nineteen seventy four.

utterance: Yes, that be it.

utterance: All right. Thank you so much Mr. Robertson for calling today. And could you give me your customer PIN please?

utterance: My customer PIN is four four nine five four nine

utterance: All right, you gave that PIN as four four nine five four nine?

utterance: Yes.

utterance: All right. Thank you so much for that information. And could you give me the a loan account number?

utterance: yes, hold on please. I need to go get it.

utterance: All right sir. Certainly take your time.

utterance: OK, I'll be just a minute. OK, I got it.

utterance: All right so go right ahead.

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

utterance: All right sir. To to verify that number was zero zero five nine seven seven six one three one?

utterance: Yes, that it.

utterance: OK sir. Just give me just one moment while I look up your account information please.

utterance: OK.

utterance: All right sir. Looks like your current balance due is one thousand, one hundred and twenty-two dollars.

utterance: Oh, OK. boy.

utterance: I completely understand sir.

utterance: Looks like you're making good strides on that account though.

utterance: Well I hope so.

utterance: Yes, your initial purchase was actually about five thousand it shows on here, so you're doing very good.

utterance: well thank you for that.

utterance: All right.

utterance: And I so needed that.

utterance: All right sir. Is there any other loan you would like to look up? That you have with this banking establishment?

utterance: yes I do have another loan I would like to check while I'm at it.

utterance: All right sir. Go right ahead with that loan account number.

utterance: OK. The loan account number is zero zero five seven seven three five one three two.

utterance: OK sir. To verify that number was Oh oh five seven seven three five one three two?

utterance: Yes.

utterance: OK sir. Give me just one moment, I'll look up that one as well.

utterance: All right, take your time.

utterance: OK sir, it looks like the balance due on that loan is nine hundred and eighty-five dollars and twenty-two cents.

utterance: OK.

utterance: OK for that first loan, sir, just let me remind you, that that loan due date is eleven twenty-two of this month.

utterance: Oh, all right.

utterance: And for the secondary loan that due date is eleven twenty-five of this month.

utterance: So eleven twenty five?

utterance: Yes sir.

utterance: OK. write that down.

utterance: All right. And I'd like to note that, sir, you can actually go online and make the loan payments. You can also look up your balance and check your scheduling or set up a schedule for your loan payment online, with online banking. Have you set up an online banking account with us?

utterance: no, I'm not right now.

utterance: All right sir, would you like to know a little bit more information about how to do that?

utterance: yes please, if you don't mind.

utterance: All right sir. first of all, you can just go on to our main website at Intellibank dot com. If you have never accessed that before that's fine, they'll give you a walk through of exactly how to get through and process and set up your online banking account. It's pretty straightforward you'll need access to internet connection of course. you can use your phone desk top computer or laptop. Anything that's connected to the internet. And then you would go online, using usually the information you just gave me and set-up that account. Once you set-up that account you'll verify your information and then you'll be able to go online at any time and check your information at your leisure.

utterance: OK, sounds great.

utterance: So, yes sir, it is actually very convenient.

utterance: All right.

utterance: OK, sir. Is there anything else I can help you with, Mr. Robinson?

utterance: No, that's it, you've made my day better. I sure appreciate it.

utterance: Aww. All right.

utterance: Thank you so much for giving us a call today I hope you continue to have a good day. Again, my name was Natasha, thank you so much.

utterance: Thank you.

utterance: Thank you too sir, bye bye.

utterance: Bye, bye.


utterance: Thank you for calling Intellibank. My name is Laverne and I'm here to assist you tonight. How may I help you?

utterance: Hi, Laverne. I am having quite a difficult time trying to access my accounts, and I was hoping that one of you guys could help me.

utterance: Oh! Of course I can help you. I'm sorry to hear that your having trouble accessing your account.

utterance: Were you using our mobile app? Or were you doing it online?

utterance: I've actually tried both and oh for two.

utterance: Oh Well, that is no good. I'll definitely have to make sure I make note of that.

utterance: what were you trying to do tonight?

utterance: I was trying to log in to my account.

utterance: I'm sorry. I I I knew that. I meant what were you trying were you trying to obtain an account balance? Make a payment?

utterance: Oh.

utterance: Oh yeah, no. I was, just wanted to update my street address.

utterance: Oh! Well that will be a piece of cake. Not a problem.

utterance: let me just ask you a few questions so I can pull up account information. May I get your first and last name, sir?

utterance: Yeah, my first name's Edward.

utterance: All right, and your last name?

utterance: Shine.

utterance: Shine, S H I N E?

utterance: E E I N.

utterance: S One more time. S H.

utterance: S H.

utterance: E I N.

utterance: Got it. OK. Shein.

utterance: Yeah.

utterance: OK.

utterance: First time I've seen that last name and I see a lot of last names! All right, and then I will also need your date of birth.

utterance: Right.

utterance: I was at adopted. I don't know my actual date of birth.

utterance: Na, I'm just messing with you.

utterance: Oh!

utterance: OK.

utterance: It's eight nineteen seventy-three.

utterance: Eight nineteen seventy-three.

utterance: well, you know, if I may share something with you? my niece was actually adopted. She was adopted from China and she Yeah, she was given a birth date, but technically, we don't know if that's her real birthdate.

utterance: Sure.

utterance: Really?

utterance: Wow.

utterance: So, that, what you said actually is something that does happen.

utterance: Wow.

utterance: Yeah. Yeah. lil bit of adoption trivia for you there.

utterance: Oh. Yeah, yeah. anyways, let's back to your agenda. Let. I also will just need your four digit PIN number.

utterance: Interesting.

utterance: Mhm.

utterance: Right could you hold for just one second.

utterance: You take your time.

utterance: OK. I got it. Two seven eight five.

utterance: Two seven eight five.

utterance: Eight f~

utterance: Yes.

utterance: OK. Terrific. That. I I do get that to go through. And let me just pull up your information and I will change your street address. I just wanna see what accounts you have with us and make sure all the addresses are the same on them.

utterance: I have a residential account. But I was, I was curious about the the tone loan.

utterance: Is it Tone loan?

utterance: a residential account? I'm sorry. Are you talking about a checking account? I'm I'm sorry. I don't understand.

utterance: I have a residential account.

utterance: as in a loan account?

utterance: Yes.

utterance: I'm sorry. OK. yes, I do see here that you have a real estate loan with us.

utterance: Yes.

utterance: OK. No, that's OK. I just I just wanna make sure that an I. OK real. I see you have a real estate loan with us.

utterance: Sorry.

utterance: Good real estate.

utterance: Yes, yes.

utterance: Yes.

utterance: I see

utterance: You have your business checking account, business preferred checking and your business silver silver credit card.

utterance: Yes.

utterance: Right.

utterance: And I'm just checking here and it looks like all the addresses are all the same?

utterance: So I will remove the addresses from all these accounts, and update the new information, correct?

utterance: Correct.

utterance: All right. so the old address I see is on Edwards Street?

utterance: Yes.

utterance: Oh, look at that, you have the same first name and the same street name.

utterance: All right, so I will go ahead and remove that. And may I get the new address?

utterance: Yes, it's four nine seven, Rocksboro. It's R O C K S B O R O.

utterance: Avenue. And that's in New York City, New York.

utterance: Oh, one of my favorite places.

utterance: Yeah.

utterance: And do you have the zip for that?

utterance: Yes, it's four one zero zero nine.

utterance: OK. Mr. Shein, so the new address is four nine seven Rocksboro Avenue. R O C K S B O R O in New York City, New York Four one zero zero nine.

utterance: Yes.

utterance: That is correct.

utterance: All right, so I've removed your old address, give me one moment, I'm just updating the new records.

utterance: For sure.

utterance: OK.

utterance: I have confirmation that all addresses have been updated.

utterance: An automated email will go out to you with the confirmation number.

utterance: However, I can also provide you the confirmation number now. If you'd like that.

utterance: That won't be necessary, I can get it from the email.

utterance: OK. Terrific. Is there anything else I can do to help you tonight?

utterance: No, I think that was gonna be everything.

utterance: Wonderful, Mr. Shein. Thank you so much for being a valued Intellibank customer. And I wish you a good evening.

utterance: You as well, good night.

utterance: Good night.


utterance: hey here's Larry of Intellibank. How may I help you today?

utterance: Hi Larry I wanted to make a payment on my credit card account.

utterance: OK can I get your your first and last name?

utterance: Uh-huh that's Lesley Puth.

utterance: how do you how do you spell Puth? P O O T H?

utterance: no that's actually P U T H.

utterance: Oh P U T H. OK. OK and you date of birth.

utterance: July ninth nineteen seventy-six.

utterance: OK July nine nineteen seventy-six and what is the credit card number of the account you're referring to and I'll need that PIN.

utterance: hold on just one second I actually don't have my card on me I'm sorry I'm out in the garden. One second.

utterance: OK.

utterance: OK.

utterance: OK I'm just one moment I'm still looking for it.

utterance: You're. Yeah, do what you gotta do.

utterance: I'm sorry about that.

utterance: yeah.

utterance: OK, so you you were wanting my credit card number and my PIN number?

utterance: Yeah. Yeah, that's correct.

utterance: OK, so the credit card number is two two three two.

utterance: Two two.

utterance: Two two three two.

utterance: Mhm. Four seven eight six.

utterance: Four seven eight six.

utterance: Seven nine three five.

utterance: Seven nine three five.

utterance: Three three three three.

utterance: Three three three three, and the PIN.

utterance: Oh sorry that's one nine five six.

utterance: One nine five six. OK, and OK yeah. oh yeah what is your what what street were you you brought up on? it's.

utterance: Mhm.

utterance: why do you need to know that?

utterance: Oh that's just one of the silly security questions that they always have us do.

utterance: Oh.

utterance: Oh, I see. I'm sorry I thought you I thought you were just being weird.

utterance: Yeah.

utterance: Oh, no, no, no.

utterance: I was born on Ramone Street. That's R A M O N E.

utterance: Oh, like like the band Ramones?

utterance: Yep exactly.

utterance: Oh.

utterance: OK cool. Were you on Ramone, Yeah? That I got that. That's good. OK so now that we have all that situated how much are you looking? you say you're trying to pay off. something? OK.

utterance: Mhm.

utterance: Mhm. Yeah, I wanna.

utterance: I wanna schedule them.

utterance: How much how much are you looking to pay?

utterance: I think I wanna go ahead and do fifty dollars a week.

utterance: Fifty dollars a week. OK and what day do you want that to happen?

utterance: Let's do Wednesday.

utterance: Wednesday.

utterance: Hump day.

utterance: yeah yeah yeah hump hump day is a Wednesday. OK so Wednesday fifty dollars a week and that would be on the Wednesday the third OK. Yeah Wednesday the third.

utterance: Yeah, that works.

utterance: Do you want?

utterance: This to be a recurring thing that happens every single week here on out?

utterance: Yeah.

utterance: Yep. Let's set it up every Wednesday baby. Let's do it.

utterance: OK all right so we have this down for Wednesday the third. I will need to verify your bank account number and your routing number.

utterance: All right so let me see. Have a piece of mail with this on it. You guys sent me a statement All right. Yeah, this one's .

utterance: Yeah.

utterance: Well.

utterance: No no the the bank account number of the bank that you're paying with not not ours. Because this is if you're paying I I need to have the bank.

utterance: Oh, oh. All right.

utterance: Yeah, yeah. Not us.

utterance: No I I I need you.

utterance: Right right right OK hold on one second.

utterance: Yeah.

utterance: Yeah.

utterance: OK yeah yeah I'm ready.

utterance: OK.

utterance: Four six five five.

utterance: Four six five five.

utterance: Five nine eight two.

utterance: Five nine eight two.

utterance: Seven seven three one.

utterance: Seven seven three one.

utterance: Two five two.

utterance: Two five two. OK and what is the routing number?

utterance: Oh six six five nine.

utterance: Six six five nine.

utterance: Three eight.

utterance: Three eight.

utterance: Six three nine nine.

utterance: Six three nine nine. OK, yeah. We got you there real good. All right so you said that I I I'm so you said Tuesday or Wednesday? The third. I know we said the third. yeah hump day of course, yeah. yeah, hump day OK. So we have this down for Wednesday the third, hump day and have that a recurring payment of fifty dollars.

utterance: Hump day. Hump day.

utterance: Mhm.

utterance: OK. I have that in the system. actually, we'll send you a a email receipt to that and is there anything else I can do for you today?

utterance: Nope, I think that's it.

utterance: OK well again thank you very much for having a being a good customer and I hope you have yourself a a great great day.

utterance: Thank you. You enjoy yourself.

utterance: Thank you.


utterance: Thank you for calling Intellibank, this is Maria speaking. How may I assist you?

utterance: yes hi Maria I am crossing things off my to do list today, not to brag but here's the deal, I would like to schedule an appointment with a financial advisor and also schedule an appointment with a risk specialist down there which I just found out something that you offer and I want to know what kind of risks I'm taking.

utterance: Oh OK well I will be very happy to assist you with that today sir. and we are very proud at Intellibank that we do offer those services. So may I please have your name? Your first name and last name.

utterance: sure my name is Richard Branders.

utterance: Thank you Richard, and may I please have your date of birth and your driver's license number.

utterance: driver's license number huh let me pull that out OK. It's Arizona so it's A Z two nine five eight two one one.

utterance: Thank you sir and and your date of birth as well.

utterance: yes oh yeah that's right you asked, oh it's right here on my driver's license how convenient, of course I know my birthday but it is July twentieth nineteen seventy-seven.

utterance: Excellent. OK and can we just ask a quick security question, what was the name of your middle school mascot?

utterance: oh that was the the the the the the the the the the oh wow oh the the cheetahs, the cheetahs.

utterance: Excellent and what is the name of your favorite aunt.

utterance: Oh Janice.

utterance: Perfect. Thank you so very much sir. OK and so you wanted to schedule an appointment with our financial analyst and our risk management specialist?

utterance: sorry. yeah if we could do that, let's let's do it.

utterance: We certainly can. would you like to schedule the both of those appointments on the same day sir or separate days for you?

utterance: yeah if we could do them back to back that would really be helpful.

utterance: OK I can definitely try to get that done. did you want to do the appointments in person or over the phone?

utterance: yeah I'm going to go in person cuz I have a briefcase that I keep everything in and I, it just makes me feel like real you know mover and shaker when I walk in with a briefcase.

utterance: OK well can you please provide your ZIP code for me sir so I can look up the branches closest to you.

utterance: Oh yeah nine zero zero one seven.

utterance: OK, excellent it looks like you are closest to our branch in North Hollywood on Tulenga. So I will go ahead and look up the times.

utterance: OK.

utterance: I see did you have a preference of day?

utterance: let's start the week off right. Let's go with Monday, that's my fun day.

utterance: OK. so Monday. Oh you are absolutely in luck sir because we have Lawrence our financial advisor he is free at ten a.m.. And then our risk management advisor she is free at eleven forty-five so that's not too that's that's not too far in between each other, her name is Shelby.

utterance: Shelby.

utterance: Do those times work for you?

utterance: Yeah. So Larry and then Shelby huh.

utterance: Oh Lawrence and Shelby, yes.

utterance: Well, I'm going to call him Larry, we'll see how he reacts.

utterance: Well we'll see how he feels about that sir. you know you can, you can try.

utterance: Yeah. Yeah.

utterance: Uh-huh.

utterance: No no harm in trying I guess, right? OK great so I have you down for Lawrence and Shelby this Monday ten o'clock and eleven forty-five. was there anything else that I might be able to assist you with today sir?

utterance: No this has been a party I think I'm I'm all conked out.

utterance: OK sir. Well I'll go ahead and send you an email confirmation to your inbox just so that you can remember the times and if there's nothing else that I am able to assist you with today sir, thank you so very much for calling Intellibank and you have a great day. Oh and by the way make sure you check your spam just because sometimes the email confirmations can go to the spam OK?

utterance: OK. And you guys still have that banking app or no?

utterance: yes we do. if you just go on Google you can download the Intellibank banking app and you can access all of this information right from there, right from the palm of your hand.

utterance: Does that work on an Android?

utterance: Yes it does, Androids and iPhones.

utterance: Does it work on a Star Wars droid?

utterance: I don't even know what that is.

utterance: You know like C three P O, R two D two.

utterance: I have no clue.

utterance: come on.

utterance: I'm so sorry. I'm I'm such a square. You know my dad is the one that is into Star Wars and all that stuff. But I'm. But OK sir thank you very much for calling Intellibank. You have a lovely day and take care, see you soon.

utterance: Come on.

utterance: OK.

utterance: Thank you, talk to you later.

utterance: Bye.

utterance: Bye.


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

utterance: Yes. I want to know what my company's income debt to ratio is please.

utterance: OK I assume you mean your income to debt ratio?

utterance: Yes.

utterance: Alright, certainly happy to help you with that ma'am, I'll just need to pull up your account information in order to access that and assist you with that. if I could just ask, what is your name?

utterance: My name is Avalon Richards.

utterance: OK and what is the business name on the account?

utterance: Jones Bed and Bath.

utterance: Alright, terrific. And how's your day going?

utterance: My day is going really well. I'm just happy about the weekend, you know coming up, the day the week has really gone by pretty fast, but it's going well!

utterance: yes ma'am, I agree with you. The week has really sped along quickly and it's awesome to see the weekend and hopefully you've some big plans ahead. Maybe to go to the beach or you're gonna be skydiving or are you're gonna maybe have a little bit more relaxing walk with with the dog at the park.

utterance: Well you know thank you for asking of that but not skydiving now that's a little too much for me. But I may you know, go to the park or something but. I I also would like to know the time period for the last two quarters as well.

utterance: OK yes ma'am. For the income to debt ratio for your business?

utterance: Yes.

utterance: Absolutely, I'll be happy to assist you with that. And Mrs. Richards I'll just need to verify your account just for security purposes, OK?

utterance: OK.

utterance: And, Mrs. Richards, let me ask you, what is your business address?

utterance: Ten seventy-five Laments Court Savannah Georgia, three zero zero zero eight.

utterance: Thank you for that and Mrs. Richards, what is your date or birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: OK and, what is your bank account number with us Mrs. Richards?

utterance: It's nine eight four six fifty-nine.

utterance: Terrific and also what is the PIN number for your account Mrs. Richards?

utterance: One zero one seven.

utterance: OK, yes. I was able to verify your account Mrs. Richard and to answer your questions, that you just asked, your income to debt ratio for your particular business as I pull it up here when we've done the analysis for your account and it appears you have a twenty-three percent income to debt ratio. Which is actually pretty pretty very good actually.

utterance: And just so that you're aware as I'm sure you are since you're asking about it, your income to debt ratio is really your monthly debt payments divided by your gross annual sales.

utterance: So it's really saying how much you're servicing your debt divided by how much money you have coming into take care of that monthly debt payment.

utterance: All right! Well good, that is a good number.

utterance: And just so that you're also clear, that twenty-three percent, is for the last two quarters. Were you looking for the any other time period?

utterance: No just for those last two quarters. I appreciate it.

utterance: Not a problem at all, and Mrs. Richards is there anything else I can assist you with?

utterance: Yes, can I update my phone number?

utterance: Oh! Absolutely. Let me get that screen pulled up for you. There, Mrs. Richards I know it's important to have the right contact information in case we need to reach out to you about any correspondence we have with you.

utterance: I totally agree. I gotta make sure I get my calls in.

utterance: Now Mrs. Richards what is the phone number that you wanted to change on the account or add?

utterance: Six seven eight, three six one, eight zero three one.

utterance: That's six seven eight, three six one eight zero three one. Is that correct?

utterance: Yes that's correct.

utterance: Alright Mrs. Richards I I'll get that added and it looks like we were able to get that processed for you and updated your phone number on the account as well.

utterance: Well thank you so much.

utterance: And just so you're aware, you're very welcome, just so that you're aware Mrs. Richards you are able to of course update your phone number, address right there online as well if you're familiar at all with our online banking is are you familiar yes or no?

utterance: Yes.

utterance: Great.

utterance: In this case since you are, you simply can go there, update your phone number, address you can check your balance right there online you can of course check what the locations are of our branches if you wanted to find one near you as well as the hours right there online just for future notice OK?

utterance: OK.

utterance: Thank you so much.

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

utterance: No.

utterance: Mrs. Richards I certainly appreciate your time and you have a fantastic day.

utterance: And you do too.

utterance: Bye bye now.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Martha, how can I help you?

utterance: Hi, Martha. I would like to check on the a couple of stocks, if I could?

utterance: Well.

utterance: I'll be happy to help you with that.

utterance: Let me get a little bit of information, OK?

utterance: All right.

utterance: All right, let me see what I need to get.

utterance: Let's start with your name and date of birth.

utterance: It is Jerry Hoffman, H O F F M A N.

utterance: All right.

utterance: And your date of birth, sir?

utterance: Oh, sorry, it's July twenty-first, nineteen seventy-eight.

utterance: And I'm gonna need to get your PIN number.

utterance: Nine three eight zero.

utterance: OK.

utterance: And, could you give me, one at a time please, the stock symbols that you're looking to purchase?

utterance: Oh, I'm sorry. You were getting a quote.

utterance: Yes, just a quote.

utterance: OK.

utterance: OK, can you give me those stock symbols, please?

utterance: Yes, the first one is CACG.

utterance: OK.

utterance: That one looks like it is selling for two hundred and twelve dollars and thirteen cents a share.

utterance: OK, and can I go ahead and just purchase ten of the shares?

utterance: You sure can.

utterance: how would you like to purchase those today?

utterance: I have got a wealth management account with you guys.

utterance: All right, and that account number is?

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

utterance: I'm sorry, sir, that's your checking account number, for Intellibank. What was the other account number?

utterance: Oh, I'm sorry, it's two zero nine zero two one eight four two zero.

utterance: Yes, that's correct. Two zero nine zero two one eight four two zero?

utterance: Yes, ma'am.

utterance: All right. And that's where we'll be making our purchases out of today?

utterance: Yes.

utterance: OK. So, I've got you down for ten shares of the the CACG?

utterance: Yes.

utterance: Was that correct? OK, and that came to the next one. And what's the next stock that you want to listen want to hear about?

utterance: MBSD, I would like a quote for that one, please.

utterance: Looks like it is selling at seven dollars and twenty-seven cents a share.

utterance: All right.

utterance: And then QCLM?

utterance: That one is going at ninety-four dollars and sixty-two cents a share.

utterance: OK.

utterance: And then DUNEU. E U.

utterance: That one is pretty hefty. It is actually for thirt- four hundred and thirty-three dollars and seventy-two cents a share.

utterance: OK.

utterance: yeah, that one's kinda been been following that one a while and it looks like that one's on a pretty steady increase up, so can I go ahead and purchase ten of those shares as well, please?

utterance: You sure can. Give me just one second while I put that through.

utterance: All right, I've got that taken care of for you.

utterance: All right, great.

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

utterance: yeah, can you go ahead and tell me what the new balance of my wealth management account is after those purchases?

utterance: That would be three hundred and eighty-seven thousand dollars.

utterance: Three hundred and eighty-seven thousand.

utterance: Yes, and forty-nine cents.

utterance: OK, thank you.

utterance: You're so welcome. Is there anything else I can do for you?

utterance: is there any way that I can manage my wealth management account easier and can I trade those online?

utterance: Sir, you can. we have an online banking and then, it is part of that, as a partnership, we also have the online trading, and you can get on there and. The great thing about that is that you have some investment management people who help, could help you with your portfolio.

utterance: OK, well that sounds good.

utterance: And that way you can check your stocks, you can look to see what's pen- what's pending, what's going up, what's going down.

utterance: and just keep an eye on it, and then ask some questions if you'd like.

utterance: All right, and.

utterance: And that's all a free service that we offer to our bank, our investment banking customers.

utterance: OK.

utterance: And, how would I go about setting up an appointment with one of those specialists?

utterance: I could set that up for you right now.

utterance: well, I don't actually. I'm gonna be out of the country for the next few weeks on business, so I will call back at a later time to set it up, I guess.

utterance: Oh, OK.

utterance: Mhm.

utterance: That'd be that'd be an excellent idea, sir. We usually can get you right in.

utterance: OK.

utterance: Perfect.

utterance: OK, is there anything else I can do for you today?

utterance: no, I don't believe so.

utterance: OK, well it sounds like we've got it all taken care of.

utterance: All right, well thank you very much.

utterance: Well, you have a beautiful day.

utterance: You too, thanks.

utterance: Thank you, bye bye.

utterance: Bye.


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

utterance: Yeah, I'm an Intellibank customer and I'm trying to complete a financial analysis for my business, and I need to put together a business portfolio, and was wondering if someone could help me with that?

utterance: Yeah, I can do that for you. Who am I speaking with?

utterance: It's Jill Baker.

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

utterance: you can just call me Jill.

utterance: OK Jill, thank you. so what kind of information are you trying to ascertain from this portfolio?

utterance: I need to get things like my net income, my income to debt ratio, and I'd also just like to get some information regarding possible investment opportunities. I mean, I basically need a lot of account help.

utterance: OK Jill, so it sounds we need you to speak with one our financial advisors. We have a couple of options for you to do that. I can take some information from you and schedule a call with one of our financial advisors, or I can schedule an in-person visit with you with one of them at one of our branch locations. Which one would you prefer?

utterance: I guess it would probably make sense for me just to take all my stuff and meet with him, so I can like really show them everything.

utterance: OK, I can schedule an in-person meeting for you. Let me get some information from you. What is your account number?

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

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

utterance: It's Johnson Controls.

utterance: OK Jill, and what is your date of birth, and your social security number?

utterance: That's march second, nineteen eighty, and it's eight three eight, nine zero, two eight zero three.

utterance: OK Jill the account has a four digit PIN number on it. Could you also share that PIN number with me as well?

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

utterance: Thank you Jill. And Jill, do you have a specific branch location in mind that you would like to schedule this meeting at?

utterance: can we do the Antioch Road location? That's my home branch.

utterance: Yeah we can do that. Let me look real quick here at that address. OK so it looks like that branch address is two three one two Antioch Road, in Kansas City, Missouri. Does that sound right?

utterance: Yeah that's right. It's the one just outside of the amusement park, the Fun Mountain Amusement Park.

utterance: OK that's the correct one here on the map.

utterance: Have you ever been to that park?

utterance: Yeah I have kids, and they used to spend most of their summer there.

utterance: Do you go to the Halloween thing that they have there every year?

utterance: I have, we, we actually had season passes so we used to go quite a bit. It was, it was quite a lot of fun.

utterance: Yeah I just took my kids there this past week, and they have haunted houses, and it was actually really, really scary.

utterance: Yeah, so once it gets dark in the park, everything gets a little bit spookier. And it's one of the reasons, I have a little, my kids are kind of various ages. I have one that's in elementary school, and one that's in high school. And so I get both of them, and they really, really enjoy it.

utterance: Yeah my family had a really great time too.

utterance: Well Jill I'm really glad that you guys enjoyed it as well. Jill, did you have a specific date and time that was best for you for that appointment?

utterance: So I'm usually open on Wednesdays, like almost all day.

utterance: OK let's look at this. So the first one that I have available is Wednesday on the seventh, and it looks like Jill I have a two p.m. appointment that day with Carol, one of our Intellibank financial advisors. Would that time work for you?

utterance: Yeah, actually, that time would be great.

utterance: OK Jill, I'm going to go ahead and get you on the calendar for this meeting. And then I'm also gonna send you an email, and that email will have your appointment time and Carol's contact information. And that's just in case you want to reach out to her for any information. You may want to reach out to her just to kind of see if there's anything additional that she may need you to bring to that meeting. She might be able to provide you with what documentation she needs you to bring in order to complete to complete that portfolio for you. Or if for some reason you need to reschedule, or cancel that meeting, you'll have her contact information to be able to do that as well.

utterance: OK thank you, that's, that's awesome.

utterance: All right Jill. I just need to confirm your email address real quick. Can you do that for me?

utterance: Yeah, it's J Baker at Johnson Controls dot com.

utterance: All right, Jill. So I've got you scheduled for that appointment for two p.m. Wednesday on the seventh at the Intellibank branch at two three one two Antioch Road, in Kansas City, Missouri. And that's with our financial advisor named Carol. And I'm sending everything over to you. I'm also going to send a little Intellibank resource document that we have and it kind of goes over what documentation we may need for you to provide that day. in order to do that portfolio. So I've kind of just selected the resources for financial portfolios. So it'll just have, basically, our very basic documents that we require for that. But I'm gonna send that over to you in an email as well so you can bring that with you, and any of those documents that it may require. If you want some more details of as, as far as what is needed, I would again recommend maybe reaching out to Carol with that branch, before that appointment, just to kind of touch base with her. Jill, I have got that set up for you. Was there anything else that I could do for you today?

utterance: No. So I just wanna make sure though you send it to my J Baker at Johnson Controls dot com email, right?

utterance: Yep, that's correct. So you gave me the J Baker at Johnson Controls dot com, and that's the email that I sent it to.

utterance: OK, so then once I get it it'll have everything that I need to bring in it. I just need to bring that stuff with me, and then be there at two.

utterance: Yep, that's correct, you'll just need to be there for the two p.m. appointment. and bring whatever documentation is on that form. Again, if there's something additional that Carol may tell you if you, if you contact her, to bring, you'd need to make sure you bring that along with you too. But other than that just a valid photo ID is all that they require.

utterance: All right, thank you.

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


utterance: Hello, thank you so much for calling Intellibank. How can I help you today?

utterance: OK, hello. I, I have a problem that all I really want is more perfect than ever and I'm not exactly how much and I was wondering if you could help me that.

utterance: Yes, absolutely. Would you like to get the yield of a certain treasury bond then?

utterance: yeah.

utterance: Absolutely, I can go ahead and help you out with that.

utterance: First I will ask you some questions. So, first could I have your full first name and last name, please?

utterance: OK, my name is Sharleen Peterson.

utterance: Thank you. And could you spell your first name for me, please?

utterance: OK, that will be S H A R L double E N.

utterance: All right, thank you for that.

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

utterance: OK, that will be on the twentieth of December, nineteen ninety.

utterance: All right, thank you for that.

utterance: All right and can I get your PIN number, please?

utterance: OK, that will be two four one three. And my account number will be three five oh six, six eight seven nine, two four.

utterance: All right, thank you for that.

utterance: And can I get the time period for your desired bond?

utterance: that will be around six months.

utterance: All right, six months.

utterance: All right, so I do see for a six-month treasury bond the yield will be five percent.

utterance: Oh, OK. That's good to know.

utterance: Absolutely, and did you have any other questions?

utterance: Oh, I was wondering, does that bank offer a business plat card. I hope that's correct.

utterance: Oh, I think you mean our business platinum card?

utterance: Oh, yeah.

utterance: Yes we offer that card in, for Intellibank, and it's a credit card, it's one of our highest ranking credit cards because it has high rewards and low fees.

utterance: And it requires a minimum balance of three thousand dollars.

utterance: And if you'd like to know more about it, or even apply for one you can go over to our website at Intellibank dot com and you could learn about it and learn about our other credit cards that we offer.

utterance: And you could even apply for one if you would like on, through the website or you could call us back if you have questions.

utterance: Oh, OK. Thank you for that. I can get all the information on your website, right?

utterance: Correct.

utterance: Oh, OK.

utterance: Absolutely. And also, would you like to know more about online banking so you can find the yield of treasury bonds easier in the future?

utterance: yes, ma'am.

utterance: Yes, so we provide online banking through our app.

utterance: within the app you are able to do almost all types of online banking, such as checking your account balance, checking your transactions, making payments for your loan or credit card, making check deposits or transfers, and you could also schedule appointments if you would like, request copies of documents, and lookup financial information about your company.

utterance: And also of course, get the yields of treasury bonds and the value of stock.

utterance: You will not have to call us for that, you could just go to the app and check that. however, if you prefer using the computer, you could go to our website and you're able to find this information on the website as well.

utterance: Oh, OK. That's good to know. So, what's the website and and and up-to-date trip information like like the information will be the most recent?

utterance: Yes, so.

utterance: Not anything.

utterance: From way back?

utterance: Yes, so all the information will be it's always the most recent and updated information.

utterance: Oh, OK, that's good to know. I'll definitely the AP on my phone and see how it goes.

utterance: Absolutely, and if you have any questions, you could always call us back and someone could help you.

utterance: Oh, OK. Thank you for that.

utterance: Absolutely, and did you have any other questions for me?

utterance: No, I think that's it for now.

utterance: All right, no problem. Have a great day.

utterance: You too.


utterance: Thank you for calling Intellibank, this is Becky, how can I help you?

utterance: Hi. Yeah, I think you're the one that I called I need to check the balance on my account for some for some info. I'm I'm trying to figure thing let first question can I check my account?

utterance: Yeah, definitely. Can I get your account number, please?

utterance: Yeah it's seven five three two four one eight.

utterance: Mm.

utterance: OK, thank you and can I get your first and last name?

utterance: Yeah, my first name is Tonny. My last name is Brown, like the color Brown.

utterance: OK.

utterance: All right, thank you and your date of birth?

utterance: Yeah, it's seven eight ninety.

utterance: OK, thank you and for added protection, it looks like you have a PIN on here. Can I get that PIN?

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

utterance: OK, thank you very much. OK. So your account balance right now is five hundred and fifty seven thousand three hundred and twenty dollars and ten cents.

utterance: OK. is there anything pending on that account?

utterance: It doesn't look like anything is pending the last transaction was three days ago.

utterance: OK, OK. Now if that OK five Five hundred in that OK. OK, well I guess I'm trying to figure out my curl what my my QLR or whatever they call it?

utterance: Your

utterance: Oh, your quick liquidity ratio?

utterance: Yeah, yeah, yeah, yeah. I was I'm looking into to getting a loan off my business, and I just they said I need to have this number and I I I figured I can try and figure it out my self but I'm just so lost and I was told to talk to the bank and they would be able to provide this information. I don't know if you can give that to me over the phone, or if I need to go in and talk to someone. I guess I'm lost here.

utterance: Mhm.

utterance: Yeah, I'd be able to help you with that, no problem. So, the quick liquidity the ratio is just a measurement of your company's ability to meet its short term obligations, and so that is calculated by dividing the value of your company assets right now by your currently liability. Your company's current liabilities.

utterance: OK.

utterance: OK.

utterance: So, I would ask for the, what time period did you want to know your QLR?

utterance: Well Let's let's start with last quarter's if if you can.

utterance: Yeah, OK. So, the last two quarters your quick liquidity ration is point five five.

utterance: OK Now is that good is that? well, OK. No, here let me OK, can you go back a little bit further, I guess?

utterance: Yeah.

utterance: Yeah, I'd be able to give you your QLRs for all the way back to when you opened up your account with us three years ago.

utterance: OK.

utterance: So did you want to know your most recent or or like how it was three years ago?

utterance: Oh.

utterance: Let's go three years ago, just so I can compare and then we can do most recent. Just to see what the difference is.

utterance: OK. Yeah, let me get that information for you. So, your quick liquidity ratio three years ago when you opened the account was it was higher, it was point seven zero.

utterance: OK.

utterance: So that would mean that the value of your assets either is up or the current liability was down.

utterance: OK.

utterance: At that point. and then you wanted the most recent quarter?

utterance: Mhm.

utterance: The most recent quarter is point five two.

utterance: OK, OK.

utterance: All right, well I guess this is kind of making sense. I'm just trying to figure this out because you know, I I have this business. It's called Float On.

utterance: Mhm.

utterance: And it's where people come and we have a very large pool of water and you you you basically.

utterance: Mhm.

utterance: You get a big floatie and we we put up a movie screen and you can watch a movie while being on the floaty and we serve them food and drinks while they're in the water. You know you just kinda.

utterance: OK.

utterance: Nice.

utterance: It's a nice little ambiance thing and well, I I started this business and I've just recently found out that I've got some health concerns and I'm I'm trying to see if it's something that I can keep moving forward with or if I need to take take a stand to maybe sell or just maybe take a loan to pay off my health bills or my house or what to do here. So that's basically where I am at, but I've got these numbers. You said point seven zero from three years ago and point five five for most recent.

utterance: OK.

utterance: Mhm.

utterance: Right.

utterance: point five two. The most recent.

utterance: Oh sorry.

utterance: Point five two. OK.

utterance: Yeah.

utterance: So with that information you kind of have a better idea of.

utterance: Yeah.

utterance: Your ability to take out more equity from your from your company.

utterance: Yeah. No.

utterance: That that gives me better better idea, because before it just no idea, but yeah. You have you've given me I think what I need, as far as what my my manager my account manager says

utterance: OK.

utterance: OK OK, well great. It it and was there anything else I could help you with today?

utterance: You know I don't think so seeing as that was our my only question.

utterance: OK, all right well thank you and for using Intellibank and have a good day.

utterance: You too, and you float on!

utterance: Thank you.


utterance: Good morning. Thank you for calling the Intellibank Call Center. My name is Adam. How can I help you?

utterance: Hey, Adam. I wanted to make a wire transfer and also I wanted to check my credit credit card balance.

utterance: OK. I can take care of both of those things for you today on the phone. First of all, I want to thank you for being an Intellibank customer with us. Looks like you've been with us since nineteen ninety-one. So thank you for that.

utterance: Great.

utterance: Yeah, thank you.

utterance: OK. Get that wire transfer started I do need your first and last name.

utterance: Sure. First name is Man. Last name is Boy.

utterance: Mhm. Date of birth?

utterance: It was two three eighty-six.

utterance: Your PIN number?

utterance: Three seven oh two.

utterance: All right. The withdrawal account number?

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

utterance: What's the transfer amount you're making today?

utterance: I'm going to be making ten grand.

utterance: Ten thousand dollars?

utterance: Mhm.

utterance: OK. Also need a transfer type from you.

utterance: Oh, below six.

utterance: That'll be a domestic transfer.

utterance: Mhm.

utterance: Also can you please provide a nine-digit deposit routing number?

utterance: Sure. Nine zero zero three two five six.

utterance: And finally a six to ten digit deposit account number.

utterance: Three zero zero one two three four five.

utterance: Well all right. I'll put these in for you. Looking for a wire transfer.

utterance: Mhm.

utterance: That will be a domestic transfer. And putting that into the system will take just a moment for our system to update

utterance: Mhm.

utterance: And then I can officially confirm that for you.

utterance: Great.

utterance: Oh, man.

utterance: Watching any good TV shows right now?

utterance: Yeah, actually I

utterance: Oh! What are you watching?

utterance: I actually just signed up for Netflix. I've never been on it.

utterance: What? Never been on it? Late to the game, huh?

utterance: They don't let us out of the call center much.

utterance: You would hear if its trapped here. You live there? In the call center?

utterance: No Sometimes it feels like it but but no I don't I don't recommend living here either.

utterance: Oh, OK. OK.

utterance: Well yeah. I guess you'd save on rent, but.

utterance: Do you have some shows that, that you could recommend? For me?

utterance: You know what? I just started the new season of Succession. Which is wild! It's a wild time.

utterance: Oh, wow. The. I think I I've seen billboards for that, around?

utterance: Yeah.

utterance: It's around hell, no?

utterance: Is that HBO?

utterance: HBO? Yeah, HBO max. Yeah, that's right.

utterance: What's a, what's a thing about that show that you like so much?

utterance: You know, I think the caucasian chaos of it all is, is what really intrigues me.

utterance: Mhm.

utterance: It is just bananas.

utterance: Wow. Succession on HBO. OK.

utterance: Succession.

utterance: Yeah, it's a good one.

utterance: I've been watching Squid Game, and that's the first thing I checked out on Netflix.

utterance: Squid Game is a good one.

utterance: Yeah, that's a good one.

utterance: Mhm.

utterance: Well. Looks like Not, not quite yet, your wire transfer, so

utterance: Thank you, Emma.

utterance: Takes minutes, kind of like when your Netflix is loading.

utterance: Oh, my god, yes.

utterance: Right?

utterance: You know, and what else to queue it for?

utterance: Exactly.

utterance: It's the central crisis in those roles.

utterance: Yeah.

utterance: I think I have a a little bit of a glitch up.

utterance: And now it says the wire transfer is complete.

utterance: Great.

utterance: Yeah.

utterance: Will I receive a confirmation email with that?

utterance: You will. You'll get that sent to you immediately if you check your your inbox.

utterance: OK.

utterance: Awesome.

utterance: Also, I want to remind you that you can provide us or we could provide you with these services.

utterance: Mhm.

utterance: in the Intellibank app or at Intellibank dot com twenty-four hours a day, seven days a week. And if you don't have an account you will have to create a unique exist login, providing a name username and password and then you'll be set to go on the app or online and you can obtain a lot of these services there, just in case, you know,

utterance: Great.

utterance: Mhm.

utterance: You felt like you were put on hold today or anything like that.

utterance: OK, great. Yeah, that that sounds good.

utterance: Anything else I can help you with today?

utterance: Oh! I, I Aside from the wire transfer, I also wanted to check my credit card balance.

utterance: Oh, yes. That's easy enough. We can take care of that. What is your PIN number for the credit card?

utterance: Three four six zero.

utterance: And the sixteen digit credit card number?

utterance: One two three four five six eight eight eight eight eight.

utterance: OK.

utterance: Says here the credit card balance due on that account is eight hundred forty-three dollars and ninety-seven cents.

utterance: Oh boy. All right. Just keeps climbing. All right, thanks for checking that for me.

utterance: Yeah. OK. Well. That should do it in case, unless you have something else you want to do?

utterance: Yeah, I think you know, I think I'll just do anything else that, that comes up online.

utterance: Ok, yeah, we've taken care of those two transactions for you. And you're ready to go. Thanks for calling in to Intellibank today.

utterance: All right, thanks so much.

utterance: OK, have a good night.

utterance: You, too.

utterance: Bye bye.


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

utterance: Yeah this is Monica Stevens.

utterance: OK Ms. Stevens. Can I get your date of birth?

utterance: One one nineteen sixty.

utterance: That's good.

utterance: Mm K. Let's get for security purpose can I get your email address?

utterance: Yes that's organic peach at Gmail dot com.

utterance: You said organic peach?

utterance: Yes.

utterance: And all right. All right. Also for security purpose can I get your driver's license or state ID?

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

utterance: All right. How can I help you today?

utterance: Yes. I wanted open up a term loan for my business.

utterance: Mm K we can do that.

utterance: Mm K.

utterance: And can I get your business name?

utterance: It's Tina Incorporated.

utterance: Mm K. street address?

utterance: It's eleven thirty-seven Apple Street New York New York one zero zero zero three.

utterance: Mm K. Can I get your tax ID number?

utterance: Yes. Two three six, seven nine zero.

utterance: Mkay. And your business PIN?

utterance: Four eight seven two.

utterance: All righty. And what would the loan be for Ms.

utterance: It'll be for business inventory.

utterance: OK for your inventory?

utterance: Yes.

utterance: Mm K. All right. And how much are we looking to borrow?

utterance: I'm looking to borrow thirty thousand.

utterance: Thirty thousand?

utterance: Yes.

utterance: Mm K. Also before I forget your annual gross last year. How much was it?

utterance: It was about ninety-five thousand.

utterance: Ninety-five thousand?

utterance: Yes.

utterance: Mm K. That's pretty good. Pretty good.

utterance: Yeah.

utterance: OK. Looking at it right now. And you said you wanted to borrow much? Thirty?

utterance: Thirty.

utterance: Thirty thousand.

utterance: Thirty thousand.

utterance: mm And what's the time period you wish to.

utterance: I was going for two years.

utterance: Two years?

utterance: Yes.

utterance: OK I have to inform you that the rate is not fixed. It will fluctuate Depending on what time a year it is. And what's going on with the economy. but you shouldn't see no more than twelve percent.

utterance: OK.

utterance: OK.

utterance: Twelve percent?

utterance: Yeah.

utterance: Wow.

utterance: No more than twelve percent. Mm K. let's get this in and see if you qualify.

utterance: OK.

utterance: Alrighty.

utterance: And how are you doing today?

utterance: I'm doing great. I'm doing great. Trying to take care of little business before the holiday. Trying to get everything in line.

utterance: Amen to that. I I understand that.

utterance: You traveling?

utterance: me personally no? I thought about it but going everywhere with with covid out here right now I mm.

utterance: Exactly.

utterance: I dunno and then they got . Some states to get mandate. President getting. President getting sued. I'm I'm.

utterance: Oh yes.

utterance: I I'mma stay home. .

utterance: Yeah. Yeah.

utterance: Yeah.

utterance: It's safer that way.

utterance: Yeah.

utterance: man.

utterance: A lot of people traveling though. They still traveling.

utterance: Yeah.

utterance: Yeah I mean power to them, but I'd rather travel when I know it's good and safe.

utterance: Yeah I think a trying with separate areas or something like that when you're in a airplane you're kinda close. You're very close. You're very close.

utterance: Yeah, I I thought about too that like . When it first happened there was like no more than ten people.

utterance: Right.

utterance: And airplane you you ain't got no choice.

utterance: Exactly.

utterance: They're like.

utterance: I mean.

utterance: Their seat are like wow.

utterance: Well all right Ms. Stevens look like the the you got approved for the loan.

utterance: So.

utterance: Oh OK. Great. That's perfect.

utterance: You will be getting an email and see on your account you'd like to receive paper trail as well. You .

utterance: Yes, exactly.

utterance: You'll get the email now but give the the the mail about two to three business days. Mm K.

utterance: Yeah.

utterance: It'll probably take longer than that these deliveries of

utterance: Yeah I've

utterance: You know people are really upset about they mail.

utterance: We usually.

utterance: Right. We usually use you know Postal Service. They usually do a good job but even they a little under handed. Under staffed right now so that's why we say three to five business day. Usually it'd be out within three days tops. we gotta add two more days just just to be safe now.

utterance: Yeah.

utterance: Right.

utterance: Well hey.

utterance: but you will get an electronical file for electronical signature confirming that this is the amount and you agree to this this amount for this many years. This time period this isn't your first rodeo so you know.

utterance: OK.

utterance: Right.

utterance: OK.

utterance: Right.

utterance: Exactly.

utterance: But is there anything else for you Ms. Stevens?

utterance: no that's about it. that's it I'm wrapping things up.

utterance: OK then. Well I'm glad I can help you today. Thank you for calling Intellibank. You have a good day.

utterance: You too. Bye.

utterance: Bye bye.


utterance: Good morning and thank you for calling Intellibank. My name is Jane. How may I assist you today?

utterance: Yeah I was thinking about making an exchange.

utterance: All right you would like to do some currency exchange? OK. Very good. Let me look up your information here. May I get your first and last name please?

utterance: Yeah yeah.

utterance: Sure thing. My name is Cameron. Sonsini.

utterance: Will you spell your first and last name for me?

utterance: Yeah it's C A M E R O N. Then Sonsini. S O N S I N I.

utterance: OK great. And just so I can access your information may I have the four digit PIN that you created in your account?

utterance: Yeah it's

utterance: three one three four.

utterance: Three one three four. OK.

utterance: Three one three four. That's right.

utterance: One moment. And may I please verify your date of birth please?

utterance: Sure thing. It's May eighteenth nineteen ninety-six.

utterance: Ninety-six. OK very good. All right Cameron. Now I can access your account information. See you've been a customer with us for over five years. So thank you for your patronage. And you'd like to get an exchange rate. Is that correct?

utterance: Yeah I'd like to get an exchange rate and from there I just I'm ready for the exchange honesty.

utterance: OK What country we are we looking at?

utterance: I I was thinking Japan and the yen.

utterance: OK bear with me one moment. OK And I'm sorry my system was freezing. Can you repeat the currency again?

utterance: The yen.

utterance: The yen thank you so much.

utterance: Thank.

utterance: All right so the yen right now is coming in at one point zero five compared to the American dollar.

utterance: Hey I'd like to make that exchange.

utterance: All right I will just need you to have your wire transfer number available. So let me check this here for you. Wire transfer number I believe will be a nine digit number. And. Let's see here. And how much will you be taking out from your account?

utterance: Four thousand dollars.

utterance: Four

utterance: Thousand dollars? OK. And is the wire transfer going to a domestic or an international account?

utterance: OK.

utterance: It's going to a domestic account.

utterance: Domestic account. OK. Is it within our branch or is it an outside branch?

utterance: Yeah.

utterance: This one right here.

utterance: OK. And let me just check here. Will you be doing this to your checking account, your savings account or. Yeah it's your checking your savings account.

utterance: Checking please.

utterance: OK will that be your business total account? We have been a Do you have your business total and you have a business preferred account.

utterance: Yes.

utterance: Yeah Yeah that sounds.

utterance: Business total OK.

utterance: All right so.

utterance: All right so the the transfer four thousand dollars becomes in yen It becomes. Four zero nine nine. All right so do you have that wire transfer number available?

utterance: Yeah I am . No I have to get on my phone. And great! I have no Wi-Fi.

utterance: Oh no!

utterance: Yeah I saw something on the top your head. It's just.

utterance: Yeah it's it's a it's a specific routing number.

utterance: Yeah

utterance: Yeah it it's OK I'm trying just walk around the house to see if I can get this thing done. Boot up. Oh OK. I don't understand that thing is not loaded. I don't know what's going on. Do you know what? I am sorry to waste your time. But I I don't know if I can get this in right now. Is it all right if I just?

utterance: OK.

utterance: call back later.

utterance: Of course not a problem. Well thank you for calling Intellibank and I wish you a good day.

utterance: All right have a good one.

utterance: Bye bye.


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

utterance: Hi Daisy. I think I'm the victim of identity theft.

utterance: Oh no. I'm sorry to hear that. so what are what can I do for you?

utterance: well I was looking through my email and I saw like a million emails saying things like registering me for services that I've never heard of. Things like that. So yeah I'm sick of all these spam emails. I can't have that with my account.

utterance: are you calling to report some sort of fraud?

utterance: No.

utterance: Are you calling to change some information on your account?

utterance: Yeah.

utterance: OK so like update your personal information on the account?

utterance: Yeah I can't really I really can't have a compromised email link to my bank account.

utterance: Are we going to change the email address that we have listed for you?

utterance: Yeah.

utterance: Oh I absolutely I will be happy to help you with that. Let's pull up your account what is your full name and address?

utterance: George Emory. One twenty-one Parkside Acres Branson Missouri five five three two four.

utterance: Thank you George. Do you your date of birth?

utterance: September twenty-first, nineteen ninety-nine.

utterance: Thank you. What is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: Thank you. And verify for me your your checking account number.

utterance: Zero zero one six three nine two two one seven.

utterance: Thank you. So, verify for me the email that we currently have.

utterance: G Emory at Hotmail dot com.

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

utterance: G Emory Trades at Gmail dot com.

utterance: G E M O R Y T R A D E S?

utterance: Yeah, that's right.

utterance: All right, I have made that change. In just a moment I'll have a transaction ID number for you.

utterance: Great.

utterance: George, that number is nine nine one seven six two nine.

utterance: Nine nine one seven six two nine, got it.

utterance: Is there anything else I may I may help you with today?

utterance: Yeah, I got a letter in the mail about something called the IntelliBusiness Silver Card. I'd like to know more about that.

utterance: Absolutely, I'd be happy to share more information with you. You said the IntelliBusiness Silver Card?

utterance: Yeah.

utterance: OK. So, this is a credit card that Intellibank offers. It's targeted to small and medium sized businesses. It allows you to reduce the administrative charges and to manage ease manage easily the expenses of your cards online. It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit profile. There is no annual fee. You are able to earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel and more. You are able to earn rewards faster with employee cards that are available at no additional cost. If you choose to have these additional employee cards, you can set individual spending limits for greater control over your company's expenditures. Your card current transactions will be monitored for possible signs of fraudulent activity using our real-time state of the art fraud monitoring systems. You won't be held responsible for unauthorized charges made with your card or your account information. And you can customize your card with your own business logo and design. we do have a current promotion for this card. till the end of the year, you can earn seven hundred and fifty dollar bonus cashback after you spend seven thousand five hundred on purchases in the first three months from account opening. Do you want to go ahead and apply for this card today George?

utterance: I don't think so. Not yet anyways. I need to talk to my team before I commit to any new credit cards.

utterance: Sure, that's understandable. Would you like me to send this to you via email?

utterance: Yes please.

utterance: All right you should receive that information shortly. Is there anything else I can help you with today George?

utterance: Nope that should do it.

utterance: All right. Thanks for choosing Intellibank. Have a great day.

utterance: You too. Bye.

utterance: Bye.


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

utterance: Hey Keesha! How are you doing today?

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

utterance: Oh! I'm doing great thank you so much. I was actually calling to see if I could find out what documents I would need to I guess apply for a business loan or something along those lines.

utterance: All right ma'am, I'll be more than happy to inform you of that information. what you would need, the required business documentation we would need a copy of your business license we'd need two years of your personal tax returns we'd need two years of your business tax returns and then we'd also need two years worth of your year end financial statements.

utterance: Oh, OK. Well great. Thank you so much for that. well Keesha, I actually own a business, and I was thinking about opening up a second business and I have found the perfect place to build my new business or my my second business and I guess I need to see what all I would need to do to borrow some money for the costs.

utterance: All right ma'am, I do understand. now was it you were you wanting to apply for a real estate loan?

utterance: yes ma'am, that's exactly what I was needing to do. Thank you!

utterance: That's not a problem whatsoever ma'am. let me get some information from you so we can get this application underway, all right?

utterance: OK, that sounds great! Thank you Keesha.

utterance: Yes ma'am. may I have your name please?

utterance: sure, my name is Kelly, K E L L Y and my last name is Jordan, J O R D A N.

utterance: Thank you so much Ms. Jordan I have your first name as Kelly, K E L L Y, and your last name as Jordan, J O R D A N.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much, and may I have your home address please.

utterance: sure! My home address is, seven three two, South End drive, and that's two words, South End. and that is in Clarksville, Ohio and the ZIP code is four five, one one three.

utterance: Thank you so much Ms. Jordan. so I have your address as seven three two South End drive, and I have the South and the End as two separate words and you said that's in Clarksville, Ohio four five, one one three?

utterance: Yes ma'am, that is correct.

utterance: Thank you so much Ms. Jordan and may I have your social security number please?

utterance: absolutely. My social is, five oh five sixty-four, thirty-seven, eighty-four.

utterance: Thank you ma'am. I have your social as five oh five six four three seven, eight four?

utterance: Yes ma'am, that is correct.

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

utterance: Sure! excuse me. My license number is M, as in Mary G, like grass. Four five one, oh three one.

utterance: Thank you Ms. Jordan. I have your license number as M, as in Mary, G as in grass four five one zero three one?

utterance: Yes ma'am, that is correct.

utterance: Thank you so much. And what state is your license issued?

utterance: it was issued in Ohio.

utterance: Thank you so much. now we do require that if you need to call and check on the status of your application, or if you need to call and get any information about any accounts you have with us, we will ask you for your PIN number and that would be, or need to be, a four to eight digit long number.

utterance: OK. how about we do, four four two, zero five, nine two six.

utterance: All right Ms. Jordan. So I have your PIN number that'll be four four two, zero five, nine two six.

utterance: Yes ma'am, that is correct.

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

utterance: sure. My email is Jordan underscore Kelly, six eight one, at Gmail dot com.

utterance: Thank you ma'am. So that's Jordan underscore Kelly, six eight one, at Gmail dot com.

utterance: Yes ma'am.

utterance: Thank you. And may I have the name of your business please?

utterance: yeah, the name of my business is Nature Foods.

utterance: Thank you ma'am and are you the sole owner of this business?

utterance: Yes ma'am, I am.

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

utterance: it was established on January the thirtieth, two thousand seventeen.

utterance: Thank you ma'am. January the thirtieth, two thousand seventeen. and what are your gross annual sales?

utterance: One point six million a year.

utterance: Thank you so much. And may I have your tax identification number please?

utterance: Yeah, absolutely! My tax ID number excuse me again, I'm trying to lose my voice here. my tax ID is four one three nine six two, zero one zero.

utterance: All right ma'am. I have that as four one three, nine six two, zero one zero?

utterance: Yes ma'am.

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

utterance: absolutely! my current business address, the one that I have open now is one four, one two Tomato Lane and that's in Clarksville, Ohio, four five, one one three.

utterance: Thank you so much ma'am. That's one four, one two, Tomato Lane in Clarksville, Ohio, four five, one one three?

utterance: Yes ma'am, that is correct.

utterance: Thank you. And I also do need a mailing address for you, now that can either be your home address or that can be your business address.

utterance: I would prefer to use my business address. The fourteen twelve Tomato Lane Clarksville, Ohio. four five, one one three.

utterance: Thank you so much Ms. Jordan. I do have the mailing address as the same as your business address. and, may I ask what the purpose for this loan would be?

utterance: yes ma'am, it's for the actual real estate cost as well as construction costs for the new building.

utterance: All right, I I understand Ms. Jordan and, what would the term of this loan be?

utterance: I was thinking five years.

utterance: All right ma'am, so five years. And what is the cost of this real estate?

utterance: It's seven hundred and fifty thousand dollars.

utterance: All right ma'am. Seven hundred and fifty thousand dollars. And, may I have the address of the real estate you're looking into?

utterance: Yeah, absolutely. It's actually right next door to my business. it'll be at fourteen, fourteen, Tomato Lane, Clarksville, Ohio, four five, one one three.

utterance: All right. So that's fourteen, fourteen, Tomato Lane, in Clarksville, Ohio, four five, one one three.

utterance: Yes ma'am, that is correct.

utterance: Thank you. And how much of a down payment could you make?

utterance: twenty percent.

utterance: All right. Well thank you so much Ms. Jordan, that is all the information I need for the actual application. just please make sure and send in the required business documentation, and we will get back to you just as soon as possible with the results of your application, all right?

utterance: OK. Well thank you so much for your help today Keesha.

utterance: And thank you so much Ms. Jordan. Was there anything else I could help you with today?

utterance: No ma'am. That is all, thank you.

utterance: Well thank you so much for calling Intellibank, you have a wonderful day.


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

utterance: Hey Angelina how are you doing on this fine day?

utterance: I am doing great. And yourself?

utterance: That's good.

utterance: That's good to hear. I am doing great as well.

utterance: Awesome.

utterance: So I wanted to call you and check on some value of stocks.

utterance: OK sure I can help you with that.

utterance: All right.

utterance: All right, what's your first and last name?

utterance: my name is Angelo Franko.

utterance: oh Angelo and Angelina.

utterance: How about that?

utterance: How do you spell your last name?

utterance: F R A.

utterance: Mhm.

utterance: N C O.

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

utterance: May eleventh nineteen seventy-five.

utterance: OK, and your pin number?

utterance: The pin is one one seven five.

utterance: OK. All right. And do you happen to have the stock symbol?

utterance: Let me double check here.

utterance: Take your time.

utterance: OK.

utterance: OK?

utterance: Yeah, I got it. OK, here we go. it's for Google so it's G O O G L.

utterance: Mhm.

utterance: OK yeah.

utterance: Which why don't they just add the extra E. Like like really? Come on. they have enough money. Add the E in there. They can afford it.

utterance: Well.

utterance: It's.

utterance: That's a good one. OK so that stock one one stock is two thousand dollars.

utterance: OK.

utterance: So two thousand dollars per stock.

utterance: OK. Huh.

utterance: On that. And do you want to check any other amounts on the other stocks that you have?

utterance: Yeah can you can you lookup eBay actually? Do you need the

utterance: Yeah.

utterance: Sure. D~

utterance: Yeah do you happen to have the symbol for that or?

utterance: Let me look that one up as well real quick for you.

utterance: Sure.

utterance: No problem.

utterance: How convenient. This one is just eBay.

utterance: No difference.

utterance: OK is it all capital? Oh yeah, I figured. OK. So for that the stock is three thousand two hundred dollars a stock.

utterance: It is.

utterance: Oh OK. OK. Nice. Nice.

utterance: Mhm.

utterance: Good. Good. Nice.

utterance: I like that. Like the sounds of that one.

utterance: Any others?

utterance: Yeah that's you know what? They they do say threes a charm right?

utterance: OK.

utterance: Let's go let's go with good old Amazon.

utterance: OK.

utterance: let me just get the stock name. It's A M Z N.

utterance: OK. Right. OK. Wow, those are thirty-five hundred dollars a stock.

utterance: Wow.

utterance: Wow.

utterance: OK.

utterance: Should of invested in that one. I should of. I should of went to one of our financial advisors that we have at Intellibank. Have you ever done that? We have like the top financial advisors in the world working for Intellibank. If you ever wanted to I mean it seems like you know what you're doing. I guess you really don't. You don't need one of our financial advisors.

utterance: Yeah. Right.

utterance: but you know what though? as you know as good as you think your doing or.

utterance: Right.

utterance: as much as you think you know. You can always learn more.

utterance: Right. That's true.

utterance: So you never know what kind of tips or knowledge you can pick up from somebody else. So I would absolutely like to get involved in that and and yeah.

utterance: OK I I could definitely send you over an email with a calendar of different dates where you can. We're offering Zoom calls right now.

utterance: OK.

utterance: With our financial advisors. Which is great because you can be in one state and they can be in another state. And you can. So what I can do is I can email you over like we have a profile sheet of all of our financial advisors.

utterance: OK.

utterance: And you can read through and like read their expertise and see which one you think you'd feel comfortable making an appointment with. And then you can go ahead and like it'll show you how to book your appointment online. And then you'll get an email confirmation and all that great stuff.

utterance: Should I. So should I go ahead and do that? I'll send that info to you.

utterance: Yeah. Absolutely. Please.

utterance: OK, when you're ready just give me your email, please.

utterance: OK, it's A Franko.

utterance: OK.

utterance: nineteen seventy-five.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK and is the K the A capitalized or lowercase?

utterance: Yes, it is.

utterance: Yes, it's in cap.

utterance: OK. Excuse me. I need my second cup of coffee you know what I mean? It's been a very busy day.

utterance: Absolutely.

utterance: OK. All right so I sent that link over to you and while I have you on the line Mr. Franko is there anything else that I could help you with or look up for for you?

utterance: You know it's just it's kinda it's just kinda crazy. Like Intelligent Bank offers so much. I I'm wondering if if you guys even offer cooking classes.

utterance: Well Mr. Franko we are very intelligent at Intellibank but it is Intellibank if I may correct you. Yeah, it's it's Intellibank.

utterance: Oh.

utterance: And intelligence just flows.

utterance: Off the tongue so.

utterance: It does.

utterance: It does. Maybe we should consider making a name change.

utterance: Mm.

utterance: There you go.

utterance: Cuz your not the first one to to to do that. A lot of people say Intelligent Bank.

utterance: I'm not surprised.

utterance: So.

utterance: Yeah. All right so is there anything else that I can help you with or that you need from us?

utterance: No, I think that's everything.

utterance: All right, well you have a great day. Thank you so much for calling Mr. Franko.

utterance: Thank you. You too.

utterance: Bye bye.


utterance: Hello Intellibank this is Daniel speaking.

utterance: Hi Daniel I got a letter in the mail. I'm not entirely sure what it's about. freaked me out a little bit don't usually get stuff from you guys it seems like something's maybe changing with how I access my account. maybe it looks like I should be doing online banking maybe what what is the best way for me to be given my statement every day of the month and what do you recommend?

utterance: Yeah I can actually definitely help you with that today but first to be really helpful about it. could I get your first and last name?

utterance: yeah that would probably help right? what's my name is Chuck Ford.

utterance: OK Mr. Ford thank you so much for banking with Intellibank and letting us service your small business needs.

utterance: Oh I've I've been with Intellbank for years and I wouldn't bank with anyone else.

utterance: Right thank you so much. Can I get your date of birth?

utterance: Yes two twenty-six eighty nine.

utterance: OK.

utterance: And may I ask what your pin number is?

utterance: Yeah it is eight three five one.

utterance: OK great. So just from what I'm understanding about your situation you've received you've been receiving paper statements in the mail?

utterance: I have yeah.

utterance: Yeah and you would like to switch to online banking?

utterance: Yeah that that actually sounds that sounds pretty good.

utterance: Have you ever done online banking with us before or with any another bank?

utterance: I haven't I've never done online banking. I haven't trusted it up until now but you know what can you trust nowadays huh? So I'm in.

utterance: I understand Mister Ford and I'm glad that you are on board with our online banking system and I can fully assure you that is it is it is one of the most secure systems out there and you know we've made every attempt to ensure that you're business interests and your business security is above most importance.

utterance: Now I'll I'll just get the story with with the switching and I'll only get the statement online? Or will that still come in the mail?

utterance: If we do online banking there is a option that once you log in and sign up for an account which will be on your end you can select paperless option or if you want we can do it over the call right now.

utterance: Gotcha.

utterance: Yeah.

utterance: great let's go ahead and go for it!

utterance: OK fantastic so as I understand you're you would like to switch the delivery of your statements from your mailing address mailbox to a preferred email address of your choice, correct?

utterance: That would

utterance: Be great, Yes.

utterance: Great.

utterance: OK fantastic, and what is your what is the email is it the email address on file that I have for you? Could you repeat that?

utterance: yeah do you have Chuck Ford at Yahoo dot com?

utterance: OK C H U C K F O R D?

utterance: You got it!

utterance: At Yahoo OK great.

utterance: And just to confirm that you wouldn't like the next statement coming up to begin to be paperless and to be delivered to your email address.

utterance: Yeah and will my my past statements will be in there as well is that correct?

utterance: That is correct.

utterance: OK great.

utterance: Once you sign up for online banking which will be a separate separate department that I can transfer you to once you sign up for that you can then go ahead and view all your past statements.

utterance: Great.

utterance: Going from your the time you starting banking with us.

utterance: OK.

utterance: Great so yeah I can get that taken care of and is there anything else I can help you with today?

utterance: Oh I don't think so.

utterance: OK and anything Do you have any other questions about online banking or just any anything you wanna know about the process or what to look out for?

utterance: No it seems pretty you've done a great job of of letting me know how this things gonna work I I appreciate it. maybe supposed to get it set up.

utterance: OK Mister Ford well thank you so much for banking with us and certainly with the next statement you will be receiving paper statements by email instead of in the physical mail and stuff that your security is of utmost importance.

utterance: That sounds good.

utterance: But I can

utterance: Still call you.

utterance: Absolutely.

utterance: OK great OK well thank you.

utterance: Thank you Mister Ford you have a nice day.

utterance: You as well, OK bye.

utterance: Bye.