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

utterance: Hi. You you sound am I your like ten thousandth call today?

utterance: that's funny I we we have been working long hours today but I am here to assist you.

utterance: Oh.

utterance: Well I'll try to be quick.

utterance: No no you you take your time. I'm here to assist you.

utterance: Oh.

utterance: You're very sweet.

utterance: Now what's your name?

utterance: Arielle Madisonian.

utterance: Hi Arielle. How are you doing today?

utterance: Hi.

utterance: I'm

utterance: OK. I guess I'm a little better than you are.

utterance: Oh well you're making my night. Thank you. How may I assist you today?

utterance: I need to do a wire transfer

utterance: Oh.

utterance: A wire transfer. All right. Will we be doing a wire transfer from one of your accounts to an Oh. You know what, it has been a long day. A wire transfer is an external account.

utterance: Yeah.

utterance: OK. Sorry about that, my apologies. Oh what account will we be transferring it from so I can look up your information?

utterance: That's OK.

utterance: from my savings account please.

utterance: OK. And Arielle can you just verify the spelling of your first name?

utterance: A R I E L L E.

utterance: Oh I'm glad I asked. OK. And spell your last name for me please?

utterance: M as in Mary, A D as in David I S O N I A N.

utterance: OK great. And can you also verify your date of birth for me?

utterance: July fourth nineteen seventy-five. And yes I am very patriotic.

utterance: like I can imagine. you must get asked that all the time.

utterance: I do.

utterance: And all right. Can you also verify your four digit PIN number for security purposes?

utterance: four digit PIN is three seven one two.

utterance: All right.

utterance: Oh, you know what? I'm sorry. I just gave you the wrong number. It's it's what it's four seven one nine.

utterance: Oh.

utterance: Four seven one nine.

utterance: Mhm.

utterance: All right. One moment.

utterance: Mhm.

utterance: OK very good. That does pull up your information. And I do see that you have the smart savings account. And can you please verify the savings account number?

utterance: savings account number is four one nine seven five zero.

utterance: OK. And do you have the routing number ready for the transfer.

utterance: yes. Routing number is two two two three three one five one zero.

utterance: OK. And are we transferring this to an international or a domestic account?

utterance: domestic account.

utterance: Domestic. All right. Just so you know since it is a domestic account Intellibank does wave all transfer fees.

utterance: Oh you know what I am sorry. I I think I'm gonna change my mind. I don't I don't want it to go to my domestic account. I actually do need it to go to my international account.

utterance: All right no problem. will we be using the same routing number for that?

utterance: No let me give you a different routing number.

utterance: OK. And then I can also just advise you of the fee. It it is a nominal fee. But I will let you know what that is.

utterance: OK it's three three one five one two zero zero six.

utterance: Three three one.

utterance: Five one two.

utterance: Zero zero six. OK. And what is the account number that we'll be transferring the money into.

utterance: account number is seven seven one six.

utterance: OK.

utterance: All right and I will verify what we're doing and then I will advise you of the service fee we are I am so sorry your this is a day I did not ask you the amount that you wanted.

utterance: Oh that's OK I was just about to tell you anyways.

utterance: Sorry. .

utterance: Your your I will yeah I will be honest with you it's been a long day. So thank you for your patience with me.

utterance: Sure.

utterance: I need to transfer one thousand six hundred twenty dollars.

utterance: OK. All right. Thank you for providing that so we will be transferring one thousand six hundred twenty dollars. From your savings account using routing number three three one five one two zero zero six. Into account number seven seven one six. And the fee for that is fifteen dollars.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: That's perfect.

utterance: All right. Is there anything else that I may assist you with today?

utterance: no, I think that's it. Thank you.

utterance: Oh thank you for having us as. Have a good day.

utterance: Thank you.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey John. yeah I just need to call and like update some information with you guys. some personal information, if that's OK.

utterance: Yes, we'd absolutely like to help you with your request. In order to verify your identity and to get into your account can I please get your first name, last name, and date of birth?

utterance: OK, first name David, last name Kim. Date of birth April tenth nineteen eighty-six.

utterance: April tenth, nineteen eighty-six. Thank you, Mr. Kim, and is that K I M?

utterance: Correct, yes.

utterance: Fantastic. OK. So, we got your first name, last name, date of birth and let me go ahead and ask for your PIN for your last piece of verifying information.

utterance: OK.

utterance: hold on. OK, can I hold on. Can I can you give me a second? Just, hold on.

utterance: Absolutely, take all the time you need.

utterance: OK, hello?

utterance: Yes I'm right here for you.

utterance: You said John, right? John?

utterance: Yes.

utterance: John, OK. So, I've got my pin. It's whenever you're ready.

utterance: Go ahead, please.

utterance: It's pin number is eight seven seven eight.

utterance: Eight seven seven eight. OK, I'm just typing that in and the screen is loading. Looks like your account is coming up, and it seems that you have a preferred business checking account with us. Is that correct?

utterance: That is correct.

utterance: That's great and your last payments were on time. Everything's on schedule. your next billing date is at the end of the month, on the twenty-sixth. So, that will be coming up, but your last payments are all on time, so I don't see any any any problems with your account. great, so what are you calling for today?

utterance: I just needed a OK, so I got I just got I need my phone number updated. or at least can you tell me, I think I need it updated. Can you tell me what I have on file right now?

utterance: Yeah, absolutely. Let me just bring that up right now. So, the old phone number that we have on file is three two three five four five one one two three and you'd like to get rid of this number?

utterance: Yes, OK, that's my old number. I need to update it please.

utterance: Yeah, why don't you go ahead and let me know what your new phone number will be associated with this business account.

utterance: OK, so my new number is seven six zero eight two seven zero six two one.

utterance: OK, great. That's seven six zero eight two seven zero six two one. Is that the correct number?

utterance: Correct.

utterance: All right. Great. Let me go ahead and get that into the system for you. Sorry about the problem with the with with your old phone number. I hope that this solves any issues you've had with your account and you can go forward knowing that Intellibank has your security and personal information at our highest regard.

utterance: Cool. Thank you. Yeah and can I just ask you a question? about OK, so you're perfectly nice John. I just I'm not a big phone guy. You know I just hate just waiting and waiting for the phone. It seems like there was always like a wait. I like to always So there's a way I can just do everything online like, I just, I don't want to call you guys anymore. is there something that about setting up like online banking or like I don't know like what kind of information can you give me on something like that?

utterance: Yeah, absolutely. We have a lot of virtual options for for our customers. We have paperless billing so if you'd like to to discontinue the monthly mail that's coming to you, it will come in as a PDF over email instead of snail mail. So, if you would like to move to paperless billing we can go ahead and make that change on your account. I can do that for you right now actually. and we also have a a mobile app that you can use on your phone which is very intuitive, I recommend it. So, if you'd like to download that, that's another option.

utterance: Oh.

utterance: Does it cost does it cost money to to use the app?

utterance: Nope, it is absolutely free.

utterance: Oh it's free.

utterance: Oh, nice. OK, cool. So, I'll get the app and then yeah if if I could just like go green go paperless with you guys yeah that would be great Mhm.

utterance: Absolutely. I will make that change for your on your account and you will be paperless going forward. Great, so we made that phone change for you and we made that change to paperless. would you like to update anything else on your account?

utterance: No, that's it.

utterance: OK, and is there anything else you'd like me to help you with?

utterance: That's it, John. Thank you.

utterance: All right, great. Please stay on the line for a short survey after this call. Otherwise, please have a beautiful day.

utterance: Thanks John, you too.


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

utterance: Hi Daisy. I just got a new employee, she's gonna be the lead accountant for my company. and she needs access to my checking account.

utterance: All right, so are you calling to add a user?

utterance: Yeah.

utterance: OK, I'll be happy to help you with that. Let's pull up your account info. What is your full name and address?

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

utterance: Thank you. What is 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 account number.

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

utterance: Thank you. And what is the name of the person we're adding?

utterance: Patricia Fields.

utterance: And what is her address?

utterance: Three one zero, Clarence Court.

utterance: The city?

utterance: no that's the street. she's, the city is Branson, Missouri five five three two four.

utterance: Thank you. What is her social security number?

utterance: Four one two nine eight seven five two zero.

utterance: What is her drivers license number?

utterance: M one nine two zero four zero eight nine four.

utterance: And her drivers license state?

utterance: Missouri.

utterance: And what is her email address?

utterance: P Fields data management at Gmail dot com.

utterance: Will you please spell that for me?

utterance: P F I E L D S D A T A M A N A G E M E N T at Gmail dot com.

utterance: Thank you. What is her date of birth?

utterance: November twenty-first, nineteen seventy-four.

utterance: And what would you like to her PIN to be?

utterance: Let's do two nine nine zero.

utterance: All right. I have updated that information, in just a moment I will have a confirmation number for you.

utterance: Great. How's your day going Daisy?

utterance: So far so good, how about yours?

utterance: It's going all right, you know this is the last this is about the last thing I'm gonna do today before I go home, so it's nice to get this out of the way.

utterance: Yeah, I hear you. I have that transaction ID number for you.

utterance: OK I'm ready.

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

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

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

utterance: Yeah, I saw a letter in the mail talking about something called the IntelliBusiness Silver card. Could you tell me a little bit about that?

utterance: I sure can. Intellibank's IntelliBusiness silver card is targeted to small and medium businesses the card allows you to reduce the administrative charges and to manage easily the expenses of your cards online. It comes with no pre set spending limits so it can adapt to your needs based on your spending behavior, payment history and credit profile. There's no annual fee. You can earn unlimited one point five percent cashback on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost. You can set individual spending limits for greater control over your companies expenditures. Your card 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 account information. You can customize your card with your own business logo and design. and George, through the end of the year we have a promotion going on in which you can earn seven hundred and fifty dollars bonus cashback after you spend seven thousand five hundred dollars on purchases in the first three months of account opening. Would you like to go ahead and apply for this card today George?

utterance: no not right now but I will definitely keep that in mind thank you.

utterance: All right. Anything else I can help you with?

utterance: Nope, that should do it.

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

utterance: You too, bye.

utterance: Bye now.


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

utterance: Francisco, happy to have you on the line with me here I do need some support today.

utterance: OK.

utterance: Yeah. Mhm. looking about maybe a loan or a line of credit or something like that to just get me a little bit of more money to work with.

utterance: OK. Are you a small business owner?

utterance: I certainly am.

utterance: And you already have an account with Intellibank?

utterance: Mhm. Yeah.

utterance: All right, well I can help you with that today.

utterance: Mhm.

utterance: Would you be interested in possible opening a line of credit with us?

utterance: I'm pretty sure I would be, yeah. I'd like that.

utterance: OK great.

utterance: Well let me pull up your existing account.

utterance: Mhm.

utterance: And we'll be able to use that to get started on your line of credit application.

utterance: OK.

utterance: So I'm gonna need to start by asking your first and last name as it appears on your Intellibank account.

utterance: Heerachia. Heerachia. H E E R A C H I A. Leetudie. L E E T U D I E. Heerachia Leetudie.

utterance: Great, I appreciate you spelling that out for me, thank you very much.

utterance: Yeah.

utterance: No problem.

utterance: And I'm going to need your social security number.

utterance: Mhm. Three three six one two four two zero eight.

utterance: And your date of birth?

utterance: Zero six eleven ninety.

utterance: And the address that we have down on your account?

utterance: That would be fourteen thirty-seven, Starshine Lane, in Las Vegas, Nevada. Nine zero zero six three.

utterance: Great. And what is your email address?

utterance: My email address is Moroccan moose at Hotmail.

utterance: And your four digit pin?

utterance: Four four three eight.

utterance: Great. So we're now in your account.

utterance: Mhm.

utterance: Now I'm gonna need to ask you some more information to get this loan established. Sorry about that, I know it's A lot of questions but

utterance: Lucky for you

utterance: I'm a patient lady.

utterance: Great, thank you so much for your patience.

utterance: Thank you.

utterance: So for your business.

utterance: Mhm.

utterance: I'm going to need your tax ID.

utterance: OK. Eleven seventeen four five three seven two.

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

utterance: I'm not.

utterance: All right, and the name of your co owner.

utterance: Petruzio Herrendez.

utterance: All right. And I'm gonna need the gross total sales of your business for last year.

utterance: One hundred and seventeen thousand dollars.

utterance: And I'm going to need the date that your business was established.

utterance: my business was established on March twentieth of two thousand and one.

utterance: And I'm gonna need the address of where your business is located.

utterance: That would be three one two Moon Lane, also Las Vegas, Nevada. Nine zero six three nine.

utterance: And what is the purpose of this loan?

utterance: Oh.

utterance: Sorry, line of credit. That is my mistake.

utterance: Yeah, that's OK. Is there a big difference between a loan and a line of credit with this Intellibank?

utterance: Yes there is, on a loan you're gonna be paying more of an interest rate.

utterance: Uh-huh.

utterance: Uh-huh.

utterance: Where the line of credit is going to be in line with the business card that you already have.

utterance: Mhm.

utterance: OK, great. So I'm sticking with the line of credit. And the reason for it is is mainly just for just some simple needs that I have of replacing a few of our machines machines and equipments that we have cleaning products, we we have a specific type of cleaning product that's quite expensive.

utterance: OK.

utterance: Oh.

utterance: OK. Then I'm going to put down here equipment.

utterance: Mhm.

utterance: Mhm.

utterance: And various other needs.

utterance: Perfect.

utterance: OK. Give me just a moment here while my computer is processing.

utterance: Mhm. Mhm

utterance: Mhm.

utterance: And that line of credit has gone through.

utterance: Mhm.

utterance: You now have ten thousand dollars available to you.

utterance: Mhm.

utterance: In your Intellibank credit account.

utterance: Oh.

utterance: Great.

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

utterance: Not today.

utterance: Well thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: Thank you.

utterance: Goodbye.

utterance: Bye.


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

utterance: Hello. My name is Charline and I'd like to update my email address because I keep I keep getting email to the old email address while I have a new one currently.

utterance: Alright. No problem. I can go ahead and help you out with that. First I will need to gather some pieces of information from you. So may I have your full name and date of birth please?

utterance: Okay. My name is Charline Peterson and my date of birth is on the twenty-ninth of December, nineteen ninety.

utterance: All right. Thank you. And can you please spell your last name for me please?

utterance: Okay. That will be P E T E R S O N.

utterance: Alright. Thank you for that. And can I also get your PIN number please?

utterance: I'm not sure. Can I give you two PINs for you to verify because I'm not sure of which one is which?

utterance: Yes absolutely.

utterance: Okay. The first one will be three five four six. And the second one will be eight six seven five.

utterance: Alright. I'm just checking both of those right now.

utterance: Alright. So I do see it will be the first one that's on file for us. The three five four six.

utterance: That's good to know.

utterance: Yes. And can I also get your account number please?

utterance: Oh. Hold on a moment as I get it.

utterance: Alright. No problem.

utterance: Okay. My account number is three five four six six eight seven nine two four.

utterance: Alright. Thank you. And just to confirm, that is three five four six six eight seven nine two four?

utterance: Yes. That is correct.

utterance: All right. Thank you so much for that. And before I update your new email address, can I verify your old one that's currently on file?

utterance: Okay. The old one is Shapete two five six. That is S H A P E T E two five six at Yahoo dot com.

utterance: All right. Thank you so much for that. And whenever you're ready I can take your new email address.

utterance: OK. The new address is wait. That is P E T E S S oh seven at Gmail dot com.

utterance: All right. So to confirm that is P E T E S S zero seven at Gmail dot com?

utterance: Yes. That is correct.

utterance: Alright. Thank you for that.

utterance: Alright. So I can confirm. Your email address has just been updated. And that will be the new email address for your business on file.

utterance: Oh. Okay. Thank you. And how is the weather over there?

utterance: Oh. The weather is so nice. Thank you for asking. it's very warm and sunny where I live. How about with you?

utterance: it's also warm and sunny over here and it's getting me a little business actually.

utterance: Oh! That's so great to hear.

utterance: Yeah.

utterance: Alright. And would you like to know any information about online banking so you can make changes such as changes to your email address easier in the future?

utterance: Yes. I'd like to know how it works, like how it operates and what are the requirements for me to register for online banking.

utterance: Alright. Absolutely. So we offer an app. For our bank it's on the App Store. It's called Intellibank or you could go to our website. And through the app or the website you can do online banking such as making deposits, making transfers, making loan payments, or you know, updating your personal information such as your phone number or email address. And there are no requirements as long as you have an account with our bank, you should be able to log in. And also there are no fees associated with online banking.

utterance: So there is no. I won't be required to pay anything to register for online banking?

utterance: Correct. There will be no fees.

utterance: And what about the security features? What what what security features have you put in store for me?

utterance: So for the app, you will have to login using a a username and password. And sometimes it will ask you your security question. So that will be The question that you created when you first created your account. And also if you have a smartphone, you can enable face ID. So it will require a face ID whenever you log in.

utterance: Oh okay. That's good to know.

utterance: Absolutely. Alright Charline, is there anything else I can help you with today?

utterance: No. That was it for today.

utterance: Alright. No problem. Well have a great day.

utterance: Thank you and thank you even for the good service.


utterance: Hi this is Nicole Jones at Intellibank how can I help you today?

utterance: Hi Nicole first of all I just want to apologize if it's loud in the background I'm actually at my son's soccer game I mean it's like you just have to multitask really like I was you know going through my checklist this morning and and just errands and things I had to take care of and I completely forgot that I wanted to call you that but I mean it's like oh you know having a kid it's just you're running around all the time like I never expected to be a soccer mom you know the van carting around the kids but oh my just getting multitasking it's like my brain is in a million places at one time I just never expected to be this busy but how are you?

utterance: I'm doing great today thank you for asking how are you?

utterance: Other than just a little frazzled I I'm OK.

utterance: Great. Great, so what can I help you with today?

utterance: so first of all I would just I wanna schedule a credit card payment I I know it's almost due so I just wanna make sure I schedule it so I don't forget to pay.

utterance: OK great yeah I'd be happy to help you out with that today can I start by getting your full name and your date of birth?

utterance: Yes Rebecca R E B E C C A Peters P E T E R S and date of birth is January six nineteen eighty-seven.

utterance: OK, January six nineteen eighty-seven OK great I am gonna go ahead and pull up your account so can I start by getting your account number please?

utterance: Mhm.

utterance: Yes so it's seven six eight four five two five nine seven three.

utterance: OK and that was seven six eight four five two five nine seven three.

utterance: Yes.

utterance: OK great OK Rebecca so before we proceed any further I do need to verify a few security questions from you for the safety of your account.

utterance: OK no problem.

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

utterance: Yes it is seven six eight four.

utterance: Seven six eight four. OK great and when you created your account you did set up a few security questions so I'm gonna go ahead and ask you those now.

utterance: Mhm.

utterance: OK.

utterance: what is your mother's maiden name?

utterance: Charles C H A R L E S.

utterance: OK and what high school did you go to?

utterance: Bobbington so B O B B I N G T O N.

utterance: OK we're back at thank you for verifying that information for me I am able to pull up your account so just give me one moment please.

utterance: OK.

utterance: OK I do have your account in front of me and you said you wanted to make a credit card payment correct?

utterance: Yes.

utterance: OK and can I go ahead and get the credit card number please?

utterance: Mhm so it's five eight three two seven one one three four seven six eight five nine three two.

utterance: OK and that was five eight three two seven one one three four seven six eight five nine three two.

utterance: That's right.

utterance: OK great and what did you want the payment amount to be?

utterance: five hundred please.

utterance: Five hundred OK great and can I get the bank account number for the account that you want to pay from?

utterance: Yes it is let me just get up my check book make sure I get it right.

utterance: Of course.

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

utterance: OK and that was seven eight five six four three three two one nine.

utterance: Yes.

utterance: OK and can I also go ahead and get the routing number please?

utterance: Sure it's zero zero four seven six eight three two.

utterance: OK zero zero four seven six eight three two.

utterance: Yes that's correct.

utterance: OK and when did you want this payment to happen?

utterance: let's do it for this Friday.

utterance: OK this Friday the fifteenth?

utterance: Mhm yeah that'll be right before it's due so it'll be perfect.

utterance: OK great and while we're in here did you wanna go ahead and enroll in auto pay?

utterance: Yeah let's do it.

utterance: OK so I marked you down for auto pay you should be getting an email from us shortly letting you know that you did go ahead and pay that five hundred dollars on your credit card and that you are now enrolled in auto pay.

utterance: You know let me ask you one more question about that too I know I can do it online but where do I go on the website to do that?

utterance: once you're into your account there is a thing that says account offers and once you're in there then you should be able to do that.

utterance: Account offers OK writing that down so I don't forget awesome thank you

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

utterance: Yes actually while I have you on the phone let's go ahead I wanted to buy two stocks today.

utterance: OK great yeah I can help you out with that. can I start by getting a stock symbol?

utterance: Sure the first one is B D X.

utterance: B D X OK so it looks like that stock is currently at two hundred dollars how many shares did you wanna purchase?

utterance: Yeah.

utterance: let's just do one on that one.

utterance: Just.

utterance: Do one OK and did you wanna go ahead and use the bank account that we have on file?

utterance: Yeah.

utterance: Yes that'd be great.

utterance: OK great and that ends in two zero five four correct?

utterance: Mhm.

utterance: Yeah.

utterance: OK great and the second stock symbol?

utterance: The second one is E D P.

utterance: E D P. OK, so it looks like that one is at five hundred dollars how many shares did you wanna get?

utterance: Mhm.

utterance: Let's do two on that one.

utterance: Two.

utterance: Mhm.

utterance: OK so I have you down for a total of one thousand two hundred dollars is that correct?

utterance: Yes that's correct.

utterance: OK I I went ahead and processed that so you should also be receiving an email about that shortly just with your receipt is there anything else I can help you out with today?

utterance: That's it thank you so much.

utterance: OK thank you have a lovely day.

utterance: You too.


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

utterance: Hey Chelsea how are you doing today?

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

utterance: I'm doing pretty good as well. So I I got this notice in the mail from Intelligent Bank.

utterance: Wait wait wait. I'm sorry, this is so crazy because I've had about maybe fifteen phone calls this morning. And twelve of the customers called Intellibank, Intelligent Bank. And I love it. And I think maybe we should switch the name to Intelligent Bank.

utterance: I I mean if you're getting that many calls and people are saying Intelligent Bank like myself then I think you should change the name and the marketing and everything else because obviously you guys are intelligent.

utterance: Yeah like we could use maybe like Einstein for our like mascot over a light bulb.

utterance: Yeah, it's a no brainer. it's something that really really needs done.

utterance: I don't know.

utterance: It's so interesting, it it just it's it happens all day long. So telling. I. I love it though. Cuz we are intelligent at Intelligent at look see I I can't even say Intellibank anymore. So what can I help you with though? What's going on?

utterance: All right, so I I was getting notices in the mail and I wanted to see about.

utterance: Mhm.

utterance: do you what the notices that we sent out this week, I'm just assuming I didn't mean to interrupt you. Was it for a loan, a business loan? We sent them out to like the local business owners in each.

utterance: That's e~

utterance: That's exactly what it was.

utterance: OK.

utterance: Yeah.

utterance: Business loan, right? OK, so is that something you're interested in?

utterance: I am. I'm thinking that, you know, there's some things that I really been putting off with my business that.

utterance: OK.

utterance: Mhm.

utterance: need attending to and some changes be made and I need to get you know a a a loan a business to take things to the next step.

utterance: Right.

utterance: All right. Well let me tell you what you need for that. You'll need a business license obviously.

utterance: OK.

utterance: Two years of personal tax returns.

utterance: Got it.

utterance: And then two years of business returns.

utterance: OK.

utterance: And then two years of your year end financial statements.

utterance: OK.

utterance: Since you know you don't you don't have an account with us. So you're new. So we just need a little bit more info. And then also you can email that to us fax it or you can snail mail it but obviously you know you probably would want to just email that over.

utterance: But what what if I did become a a customer of your bank, do I do I still need the same or?

utterance: Well, you.

utterance: You will be a customer once we if we approved your loan. And then also what we could do is we could set you up with online banking.

utterance: OK.

utterance: If you want I can help you right now with that. Do you have time? Ooh, excuse me. I'm so sorry. I'm so sorry I have really bad allergies this time of year.

utterance: Ooh.

utterance: Excuse me. Bless you.

utterance: I can hear it. I I can hear the sniffles in your nose.

utterance: I apologize.

utterance: Yeah.

utterance: I really apologize. It's so annoying. I'm so sorry.

utterance: No, it's OK.

utterance: No that's that's perfectly OK.

utterance: So would would that be something you'd be interested in? I mean we could set you up with online banking.

utterance: Yeah, let's let's do it though. What info do you need from me?

utterance: We can.

utterance: OK well what's your what's your first and last name?

utterance: Alright, my name is Carl.

utterance: OK.

utterance: Henderson.

utterance: OK.

utterance: And my social security number is one seven nine uh-huh one one two zero seven six.

utterance: OK and what is your date of birth.

utterance: it's February twentieth. nineteen sixty-five.

utterance: OK.

utterance: OK and what is your personal address?

utterance: Oh the personal address is thirty twenty-one Bryn Mawr Drive.

utterance: Mhm.

utterance: OK.

utterance: and that's Bryn Mawr, Pennsylvania.

utterance: OK.

utterance: One nine oh two oh.

utterance: OK And What Is your business address?

utterance: the business address is thirteen eighty-five uh-huh Plymouth Lane Drive.

utterance: OK And what is your email?

utterance: My email is Carl Henderson sixty-five.

utterance: I'm sorry can you say that again? Carl.

utterance: Carl Henderson. Sixty five. At Gmail dot com.

utterance: Henderson. OK.

utterance: OK.

utterance: OK And OK so I'm gonna. I set up this online banking. I sat it all up right now. It's It's in the queue. Hold on. I'm sorry it just has to refresh for a moment OK, so you're going to receive and email confirming your online banking application. Just go through. It's going to ask you a bunch of different questions. Very easy very self explanatory. And then once you complete that you'll get some emails about you know welcome to your online banking. Yay! and all that good stuff and then if you also would like to order a bank card, you don't have to have a bank card but if you want to you can. And that will take five to seven business days. to receive it. Hum and if you can, Is there any way that you can check to make sure that you got that link? Because this morning we were having some problems with our servers. And some customers didn't get the emails that I sent. And then they had to call back and wait like on hold. So I'd rather you not go through that. I'd like to just. I mean I can wait on hold while you take a look. Is it is it possible for you to check that right now?

utterance: OK.

utterance: Yeah.

utterance: I'm actually right at my desk right now with my laptop and I can pull that right up for you and.

utterance: OK great.

utterance: Oh I'd appreciate that.

utterance: you know give it that quick little refresh of the little circle with the arrow.

utterance: OK.

utterance: And yes it yep I got it. It's right there.

utterance: All right.

utterance: Perfect. All right. Well I am so excited that you are gonna be part of the Intellibank family.

utterance: Intelligent.

utterance: Intelligent Bank family. And it'll also you know if you want to go ahead and apply for that loan I sent you all that information as well to fill out the application but then you also will need you known you need to send a little supporting business documents. So we can get started on that application as well.

utterance: Great. I appreciate that. Thank you.

utterance: OK, not a problem.

utterance: Get you an answer.

utterance: For that. That usually takes twenty-four to forty-eight hours.

utterance: OK.

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

utterance: No that's everything.

utterance: Alright, well I think you're going to be part of the Intellibank family and it was a pleasure.

utterance: Stay Intelligent.

utterance: OK, thank you so much.

utterance: You.

utterance: Too.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. How can I help you today?

utterance: Hello. How are you today?

utterance: Very good sir and you.

utterance: Oh I'm OK. Oh I need to what I want to do is on my business account, I need to change my the way my statement's being sent. I had the email but I'd like to get it over to where it's sent by mail like a real paper, you know, regular paper one that comes to my mailbox.

utterance: Yes sir, I can help you with that no problem. I'm going to have to ask you some questions to verify your identity.

utterance: OK that's fine.

utterance: OK could you give me your full name please?

utterance: It's Jeremy Ronald.

utterance: Thank you for that and your date of birth?

utterance: Three eight seventy-three.

utterance: OK and can I have a PIN number for that account?

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

utterance: Thank you very much for that and can I have your social?

utterance: Two three seven one two six eight five four.

utterance: Thank you very much for that.

utterance: And there's different ways that you can get your statements delivered. We can do them by email, we can do them by fax, and we can do them from mail delivery. And you said you would rather have yours come in which direction?

utterance: I'd rather have them sent by mail, real mail.

utterance: OK sir. OK.

utterance: Paper.

utterance: and we can help you with that, no problem. Is can you please verify your address for me?

utterance: Yeah. It's three six seven Treehouse Lane Van, West Virginia, two one six six three.

utterance: OK. Thank you for that.

utterance: And you need to change your PIN number for that also.

utterance: OK.

utterance: Could you give me the current PIN that you have on your savings account?

utterance: The current PIN number is eight three three five nine one.

utterance: Yes sir. OK.

utterance: Thank you very much and you wanted to change it to you wanted to change it to what PIN number now?

utterance: Eight one one six three.

utterance: OK thank you very much. I need to verify also your security question it says here you picked favorite your favorite your favorite place that you lived?

utterance: Oh oh goodness. is it Knoxville?

utterance: Sir, I can not do, I I can not verify that information for you

utterance: Oh.

utterance: I'm gonna. I'll have to wait till my wife gets home. She has that information.

utterance: OK sir. there's nothing I can do for you regarding this savings account but since you verified your checking I can go ahead and have your statements delivered for that with no problem.

utterance: OK but I'll have, I'll get back with you on that. She'll be home in about an hour and what time do you close?

utterance: OK sir, we will be taking calls until ten oh clock tonight.

utterance: Oh gosh, yeah she'll be home.

utterance: OK.

utterance: OK

utterance: Yes, you just

utterance: I'm

utterance: Sorry, it's just I don't know what it is.

utterance: OK, you can just call us back with that. That's no problem.

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

utterance: Well what about your online banking?

utterance: Yes, we do offer online banking, it makes it very convenient for you to deposit your checks with checkless delivery you can also go over our different interest rates for our loans. You can also sign up for for our credit cards with low interest rates for business owners. We also have an Intellibank business gold card for business holders. Theres very convenient and has a very low interest rate for larger purchases.

utterance: Do you have the the app too, do you have the app?

utterance: Yes, sir. Yes sir, we do.

utterance: OK.

utterance: The mobile

utterance: App.

utterance: The mobile app is very convenient for your cell phone and you can link also up to your desktop.

utterance: Uh-huh.

utterance: And we also offer a new ATM service with our ATMs that you can actually go and get money twenty-four hours a day without having any of your information accept for your accept for your driver's license.

utterance: Oh, I see I see that the you type you type to hit a number and somebody comes up on the screen that's real.

utterance: Yes, sir.

utterance: That's not automated or anything like that.

utterance: Yes

utterance: Sir. You have lost your information for any reason or you can not get into your account, all you have to do is verify who you are, the agent can then go in and retrieve your funds for you with no problem.

utterance: I see cuz one one time I left my card in the ATM and it it sucked it up and I couldn't get it back and I didn't know what to do and so that that'll be good to know if that ever happens.

utterance: Yes sir, yes sir and that's a very easy way to take care of that and any time that does happen, it will take about ten days to get the card back to you because it has to come to us and then your gonna have to we're gonna have to send it you and then you're gonna have to call back and have that verified.

utterance: Ouch!

utterance: That's fine, I'll just have to make sure I'll have some extra cash on hand.

utterance: Hey them remnants of Hurricane Joan is coming through tonight so be careful on your way home cuz it's gonna be bad flooding and all kinds of crazy stuff so.

utterance: Yes sir. Thank. Thank you very much for that information sir. Is there anything else I can help you with today?

utterance: It's lunch after that.

utterance: I guess that's about it, I guess.

utterance: I think we're good to go I'll get, I'll get that information I need and give you a call back when my wife gets home.

utterance: OK, sir, no problem and thank you for being a valued customer of Intellibank and anytime you need any help don't hesitate to call.

utterance: Thank you.

utterance: Thank you very much sir.

utterance: Alrighty.

utterance: Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. My name is Joey, how can I help you today?

utterance: Hey Joey, need to make an internal transfer between my accounts.

utterance: Alright, that will not be a problem, I can help you out with that. First off, I'm gonna need to get your full name as it appears on the account.

utterance: OK, Corey Jefferson.

utterance: Alright, thank you very much Mr. Jefferson. And I see here that you have both a commercial checking account and our Intellibank Smart Savings account. Which you looking to transfer from and to today?

utterance: A little bit from the savings to the checking account.

utterance: OK, that will not be a problem. It looks like you have fifteen thousand, two hundred eighty two dollars and sixty-five cents in your savings account. How much of that would you like to transfer today?

utterance: Three thousand please.

utterance: Alright, just for your information, you could do up to ten thousand dollars. but we're looking to transfer three today.

utterance: and what is the account number you'll be transferring this into?

utterance: Three one six four five eight.

utterance: Great, and what is the PIN for that account?

utterance: Six one nine one. Oh, I'm sorry, hold on, that's that's incorrect, lemme lemme find that.

utterance: OK, no problem.

utterance: Nine four one two.

utterance: That is correct, nine four one two worked. Alright we are in your account. And just so you know because this is an internal transfer between your two accounts there will be no fee for this today.

utterance: Excellent, thank you.

utterance: All right before I can initiate this transfer I just need to get a couple of pieces of personal information. for security purposes. first off what is your date of birth?

utterance: March third, nineteen eighty-eight.

utterance: And what's the last four of your social security?

utterance: Eight four, one three.

utterance: And one last question, what is the name of your first pet?

utterance: Gobbles. Cute little turkey.

utterance: And how do you spell that?

utterance: G O B B L E S.

utterance: Alright that was correct. So just to confirm, we're gonna be transferring three thousand dollars from your Intellibank Smart Savings account. Into your Intellibank commercial checking account, is that correct?

utterance: Yep, that's correct.

utterance: Alright, I'm gonna initiate that transfer right now. This will just take a moment.

utterance: Alright, excellent, excellent.

utterance: Hey do you ever go on YouTube?

utterance: Oh yes, all the time.

utterance: Yeah?

utterance: Fascinating what you can find on there. Been dealing with like a sore back, sore shoulder recently right? And So I'm like searching for all these cures, been dealing with it for about a month. Finally found these two guys, I think it's like Bob and Rob. they're from like the Midwest. Heavy heavy accents, right, they probably call everything poppin, and it's what but they gave me like three little exercises, knocked everything out with it. It's it's great, there's a wonder, a wonder of things on YouTube to find man. What about yourself, what's kinda your your favorite search results if you can give that up?

utterance: Oh yeah, well, you know, anything whenever I need help with my computer or anything like that I always turn to YouTube these days, you never you never know what kind of help you'll find there. I'm very glad to hear that you're out of pain thanks to YouTube, I, we, we want to have our customers here at Intellibank not be in pain.

utterance: Thank you, I appreciate it. Full service index.

utterance: Alright, well that transfer has gone through, and you now have an additional three thousand dollars in your commercial checking account. Is there anything else I can do for you today?

utterance: No, that that that's everything yeah.

utterance: Well thank you very much for being a customer of Intellibank, and you have a wonderful rest of your day.


utterance: Well. Thank you for calling Intellibank today. I'm Mike. How may I help you?

utterance: Hello Mike. Well can I just give you my info real quick?

utterance: Before we get get started. You can log into my account.

utterance: sure. Absolutely. I mean. what are you hoping to do today?

utterance: Oh just I want to make a phone number update.

utterance: Oh well that's very easy.

utterance: Yeah.

utterance: OK. Yeah. Well, let's go ahead and do that. I just need to verify some information.

utterance: OK.

utterance: What is your full name?

utterance: Oh my full name is Rontel.

utterance: Rontel.

utterance: Lissetta.

utterance: Can you spell that for me please?

utterance: Lisetta?

utterance: Yes.

utterance: L I S S E T T A.

utterance: OK . OK. and may I please have your date of birth?

utterance: It's August fourteenth nineteen sixty-five.

utterance: Nineteen sixty-five. Very good.

utterance: And then one security question we've got here. the town you were born in.

utterance: I was born in Pennsylvania.

utterance: And what which that's a state. So which town?

utterance: Georgeville.

utterance: Georgeville?

utterance: Yeah.

utterance: Are you kidding me?

utterance: No.

utterance: I'm from Georgeville.

utterance: No way.

utterance: I I I Hand to God. What what neighborhood? What street were you born on?

utterance: I was born on Pontiferous.

utterance: Oh, Pontiferous. Sure, sure, sure, sure. I was on Oak.

utterance: Yeah.

utterance: I was on Oak. We're about. Almost almost in the same neighborhood.

utterance: Wow.

utterance: Wow.

utterance: What a small world.

utterance: Great! Go Cougars, right?

utterance: Go .

utterance: Yeah. Wow.

utterance: Do you still live there?

utterance: I do not. I I moved to Dubai.

utterance: so.

utterance: Dubai's a hot spot for living now isn't it?

utterance: Yes. We're doing very well here.

utterance: Wow. What's it what's it like?

utterance: Well you know it's like Vegas and Saudi Arabia put together.

utterance: So it's quite a combo. Definitely definitely different from Georgeville.

utterance: Wow.

utterance: Yeah.

utterance: Wow.

utterance: But sometimes I miss the white picket fences and the you know neighbors who say hi and all that stuff.

utterance: You could bring that neighborhoodly hi to Dubai.

utterance: I don't think they'd want it.

utterance: No?

utterance: To be honest with you.

utterance: OK.

utterance: Very dangerous place at times.

utterance: Oh.

utterance: But wow. Just to meet another Georgeville. OK.

utterance: Well Rontel. let's get going with that phone number. So on hand I have for your account six one one four two zero one eight nine one.

utterance: Mhm.

utterance: You want to keep that or replace it?

utterance: Am I able to have more than one number on file?

utterance: Absolutely.

utterance: You can have a personal and you can have you can have actually so sorry. You can have two personal and one business.

utterance: Oh Wow.

utterance: I'll just go for one number.

utterance: OK.

utterance: So.

utterance: So we are going to get rid of the old number. OK. Very good.

utterance: Very good. So what is the the new number there Rontel?

utterance: Oh it's three two one.

utterance: Three two one.

utterance: Four six six.

utterance: Four six six.

utterance: One eight.

utterance: One eight.

utterance: Four four.

utterance: Four four. Now three two one. That's not a Pennsylvania area code.

utterance: I've also moved.

utterance: Oh. Where'd you move to?

utterance: Mhm. Florida.

utterance: Oh very nice.

utterance: Yeah.

utterance: What part?

utterance: Oh by in Miami. I'm living in Miami now.

utterance: Oh very cool. That's a .

utterance: Yeah.

utterance: That's a sort of sort of like Dubai. Kind of just a fun town. Just people having a good time.

utterance: It is fun.

utterance: It's why I moved.

utterance: And what is what is your work?

utterance: Oh I teach dance. To older older older crowds.

utterance: Oh, very nice. Great.

utterance: Yeah. Sensual.

utterance: Dance.

utterance: Essential dance?

utterance: Sensual. Yeah. Mhm.

utterance: Sensual or Essential?

utterance: Sensual.

utterance: Sensual. Gotcha.

utterance: Yes.

utterance: Very nice.

utterance: Mhm.

utterance: And the old people, they love it?

utterance: Y'know everybody wants to feel sexy.

utterance: Sure. Who doesn't?

utterance: Yeah.

utterance: OK. So we got your new phone number here. Three two one four six six one eight four four. That's the only number we're gonna have on the account. That'll be under your. Primary personal number.

utterance: Thank you.

utterance: Yes. I've had issues in the past where where Intellbank Intellbank?

utterance: Intellibank.

utterance: Intellibank has tried to contact me and I've had too many numbers on my account. And I don't get the messages and.

utterance: OK.

utterance: OK.

utterance: It's been a mess.

utterance: So do you want us when we call, and we're mostly calling to see how your banking experience is going.

utterance: Mhm.

utterance: If you're want to upgrade to the platinum card. I see that you have the Gold card already.

utterance: Mhm.

utterance: The Platinum is you get all the same benefits of the Gold card but just a higher APR.

utterance: Which isn't a benefit at all but

utterance: Thanks for your honesty.

utterance: Sure. Yeah. Of course.

utterance: I'll just stick with the telephone number change for today's call.

utterance: Very good. And All right. Well Rontel. you have a great day. Again always wonderful to talk to a fellow Georgevillian.

utterance: Yeah.

utterance: Always. Can I get a good Cougar roar from you?

utterance: Oh. Yeah. Little baby cougar.

utterance: Yes.

utterance: Yes.

utterance: You know, I was a quarterback.

utterance: Mm. I bet.

utterance: High school team.

utterance: Yeah.

utterance: You know. Just putting it out there. very very popular guy. But OK. Well Rontel, you have a wonderful day.

utterance: Good to know.

utterance: Oh, you too darling. Thank you so much.

utterance: OK. Mhm.

utterance: Goodbye.


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

utterance: Yes. So I'm putting together an expense report for my business and I'm trying to add some information regarding my accounts. could you possibly help me with that?

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill that's fine.

utterance: All right Jill. So what information can I assist you with finding today?

utterance: So yes. So what I want to do first is I want to check my available credit on my credit card if I could.

utterance: All right Jill I can do that for you. What is your credit or account number?

utterance: So my credit card number is two eight nine four nine zero zero zero three.

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

utterance: It's Johnson Controls.

utterance: Thank you Jill. Can I also get your date of birth?

utterance: Yeah, so that's March second of nineteen eighty.

utterance: OK and Jill it looks like you do have a four digit pin number on this account for security purposes. Could you also share that PIN number with me?

utterance: Yes so that's seven six four seven eight.

utterance: Thank you Jill and what city and state are you in?

utterance: I'm. I'm in Kansas City, Missouri. yes Kansas City, Missouri.

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

utterance: It's five three nine Longfellow Road in Kansas City.

utterance: And can I get a ZIP code for you real quick here too?

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

utterance: OK. Give me one second to get your account pulled up here and you're just wanting to check your available balance for your credit card. So it looks like the available balance on your credit card it's the platinum card. It is actually eighteen thousand nine oh eight ninety.

utterance: OK wait. That. That didn't calculate right.

utterance: Do Do you think you. Your available credit balance is incorrect or it should be higher?

utterance: No so what I'm trying to put is this debt analysis together. So I don't think that I'm doing that right. I don't think I want my my available balance. I don't think that's what I'm looking for.

utterance: So are you trying to determine your income to debt ratio?

utterance: Yes that's what I'm trying to do.

utterance: OK so what I think you will actually need is the credit card balance due, not the available credit. So the balance due on the credit card would be what needed to go into your debt category.

utterance: Yeah so that makes sense. I'm sorry can I get that instead of the credit card balance for you. I'm sorry can we disregard. I just. I just need the debt. I just need the amount still owed on the card if that's still possible.

utterance: Yeah. Absolutely. Give me just a second to get that information for you. OK. So it looks like the current. Current balance due on your card as of today's date is five thousand nine oh eight twenty-nine. Did you have any other loans or any other accounts you would like me to run that information for you on?

utterance: No I think this is the only one but could you possibly email me the balance info for my records? So that I could add it to this report.

utterance: Yeah. I can do that for you. Can you confirm your email address for me?

utterance: Yes. So it's J Baker at Johnson Controls dot com. that's J as in Jill Baker at Johnson Controls dot com. I'm sorry, can you hear me? I'm in my car and it just started pouring rain.

utterance: Oh my goodness. Are you somewhere that you can stop or would you like to give us a call back?

utterance: No I mean I'm stopped. I'm on the side of the road. I'm in a. I'm in a parking lot but it just started raining really hard out of nowhere. I didn't even know it was supposed to rain.

utterance: Yeah I actually had just a little while ago got an alert on my phone a few minutes ago saying that we were under a severe thunderstorm warning but that. That seems like it came on really fast.

utterance: Really odd. I didn't check the weather at all this morning but it wasn't overcast or anything when I left the house. So but it is like legitimately pouring down rain.

utterance: Well I don't want to keep you out on the phone if it. It's storming out there but I can get that information emailed over to you. Was there anything else that I can help you with today?

utterance: I don't think so. I mean I might. I might just want to pay the balance off but I need a day or two to try to get some figures. While I try to put together this analysis. Would that be possible?

utterance: not a problem at all Jill. You have access to online banking?

utterance: Yes I have the online banking account.

utterance: OK. So perfect. If you have access to online banking then you can actually check your balances and make payments for your credit cards there too. you will just need to select the credit card tab. So once you log into your account. There is those four tabs on the. On the top of the account that show your checking, your savings, and they'll be one of those tabs that will say your credit. Once you are logged in for your loan. I'm sorry once you are logged in for account, you can pull that credit tab up and you can you can basically see all of your. All of your balances. You can see your available credit, you can see what you owe, you can see your next month's payment. so it'll have all that information available for. For you right there. If for some reason you get in the account and you can't figure that out give us a call back here at Intellibank and we can also do that for you over the phone but. But that's just an option for you and you can actually pay the card off that way too and but if not call us back. We can do it over the phone.

utterance: OK thank you. I had no idea that was possible.

utterance: All right Jill that's no problem. Was there anything else that I could do for you today?

utterance: No I think that's everything. I I appreciate it. I'm I'm sorry I hassled you today.

utterance: No Jill you were no hassle at all. You. You be safe in that weather and thank you for choosing Intellibank. You have a great, safe day. OK?


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

utterance: Hey Maya, how are you today?

utterance: I'm doing well, how about yourself?

utterance: I'm doing good. so I needed to talk to you and update some information on my business account, and there was also I wanted to get some information on a new product of yours.

utterance: Absolutely. Let me just start out with your, your first and last name if I can?

utterance: OK, it's Harry Jones.

utterance: OK Mr. Jones, is that J O N E S?

utterance: It is.

utterance: OK, and your date of birth?

utterance: It is September fifth nineteen eighty.

utterance: OK. And your PIN number?

utterance: The PIN is nine five eight zero.

utterance: OK, and what can I do for you?

utterance: So I I got a letter in the mail about a new credit card that you guys have and I wanted the more information about it, the I think it's called the gold leaf card?

utterance: Oh yeah, actually it's the Intellibank Gold business card.

utterance: OK, OK.

utterance: It's just

utterance: Gold.

utterance: Oh, OK.

utterance: Yeah, and yeah, so you would like some information on that?

utterance: Yeah, please. I, you know, I I got the letter, I guess there was a leaf on the the the letter and I Yeah, yeah, so I, I just. I I just figured, you know, once I got the the, the letter from Television Bank the other day with the gold leaf that it's the gold leaf card.

utterance: Oh yeah. Yeah, there is. It

utterance: Kinda looks like a leaf.

utterance: Yes. You're right.

utterance: Well, it's actually Intellibank.

utterance: Oh!

utterance: I had about a thousand emails.

utterance: Yeah.

utterance: All right, yeah. So you're a small business owner, right? So I see that on your file. So the Gold Card is definitely what you wanna have. There's so many perks and savings with that. So what I can do is, I can either mail out the information to you, but I see that you do use online banking.

utterance: Yes, correct.

utterance: Mhm.

utterance: So I'm sure you wouldn't really want some paper mess which, you know, I am just so into like how many customers of ours have been doing it online, I'm really excited about it. I'm an advocate of it. But so, can I email that over to you?

utterance: Yeah, that would be great cuz I kinda sound like I'm like you and I'm tired of the paper mess.

utterance: Mhm.

utterance: Yeah. Exactly. OK, so when you're ready, just give me your email.

utterance: OK, the email is Harry Jones nineteen eighty at Gmail dot com.

utterance: OK.

utterance: Mhm.

utterance: OK, and is the H capitalized?

utterance: Yes it is.

utterance: OK. All right, so, I'm gonna email that over to you right now. OK. And what else can I help you with today while I have you on the line?

utterance: OK, so this might sound a little crazy, it might sound like I'm going back in time or a little backwards but you know, probably in the last ten years most people don't use landlines any more, they use their cell phones for everything like I have for my business but I decided, you know, cuz the phone rings all hours of the day and night. And, you know, all these crazy numbers come up. I don't know who it is and I I I don't want it constantly coming to my cell phone so I actually decided to go and get a landline set up in my business with an answer machine and it's all set up, and I wanna take my personal phone off the business account and put the new business phone number on account.

utterance: Oh.

utterance: OK, awesome. That makes so much sense though. Seriously, like, I think that's a great idea. I think that's a really wonderful idea. So, whenever you're ready to. So you already got the phone?

utterance: Yeah, yeah. Yeah believe me, like I'll be very happy not seeing my phone light up all throughout the night and light my bedroom up.

utterance: You had a phone .

utterance: Mhm.

utterance: Mhm.

utterance: Yeah.

utterance: That, I understand. I understand. I almost at some points wish that I didn't have a cell phone sometimes. It's. You know, it's it's very stressful sometimes. .

utterance: I'm sure.

utterance: It, it is.

utterance: It is. I mean, how many people when their phone rings, they look at it and they just go, they shake their head and say, I am not answering this phone. Yeah.

utterance: Mhm, mhm.

utterance: And then I think it forces people to have to text which is like, makes you, I feel like sometimes it makes you closed off more like, socially awkward by, you know, getting used to texting instead of talking .

utterance: True.

utterance: Absolutely.

utterance: But

utterance: I digress. So anyway, what is the new phone number?

utterance: OK, the new phone number is six one five five five five three one two zero.

utterance: Mhm.

utterance: OK.

utterance: Mhm.

utterance: OK.

utterance: Mhm.

utterance: OK, so that is six one five five five five three one two zero.

utterance: Correct.

utterance: OK, great. So, OK that's updated for you. And is there anything else that I can do for you?

utterance: I think offhand that's everything. I think we, we've covered all the bases. I wanna thank you so much.

utterance: OK.

utterance: No problem, and don't forget, like, really look into that Gold Card. And if you have any questions, please give us a call back at any time. Our customer service line is open until eight p.m. Eastern time so we're here for you.

utterance: Great, thank you so much.

utterance: All right, have a great night.

utterance: You too, bye.

utterance: Bye bye.


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

utterance: yes, I'm needing to pay invoice for my business and I'm not sure how to do that.

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

utterance: It's Jill Baker.

utterance: Thank you for that. Do you prefer that I call you Jill or Miss Baker?

utterance: You can just call me Jill please.

utterance: All right, Jill. So, you said you were needing to pay an invoice for your business. Is that correct?

utterance: Yes, that's right.

utterance: OK. And, is it another business that you were needing to pay?

utterance: yes yes, it's another business.

utterance: And, does that business also have an account with Intellibank?

utterance: No, they bank at some Morgan Financial.

utterance: OK. So, are you wanting to transfer the money to pay this invoice to that other business?

utterance: yes. I did it once before. I think I think it was called external wing transfer.

utterance: I don't think I'm saying that right. It's not a wing transfer.

utterance: are you referring to our external wire transfers, Jill?

utterance: Yes. Yep. That's what it's called.

utterance: OK, Jill, I can help you with that. What is your business account number?

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

utterance: All right, Jill. And, can I also get your date of birth?

utterance: It's March second of nineteen eighty.

utterance: OK, Jill. It looks like you have a four digit PIN number on your account for security purposes. Can you also tell me that PIN number?

utterance: Yes. it should be four seven three eight.

utterance: Ok, Jill, that's correct. And, what is the name of your business?

utterance: It's Burgundy's Boba.

utterance: OK. And, can you confirm your address there?

utterance: It's nine three zero one Carter Street Kansas City, Missouri and it's eight four three seven nine.

utterance: does the wire transfer cost anything and and did those are do they show up immediately when I transfer them to that bank?

utterance: yeah. Ok, so there is no charge, Jill, for an Intellibank customer to do a wire funds transfer how how quickly those funds show up in the accepting bank really depends on the bank. In most incidences those transfers can be seen immediately.

utterance: But every bank kind of has a different procedure for this.

utterance: Ok. Thank you.

utterance: OK. Let me just get some more information from you real quick here. So, you said the bank we are transferring to today is Morgan Financial. Is that correct?

utterance: Yes, that's right.

utterance: OK. And what is the name of the business that we are sending this money to?

utterance: It's Belcore. B E L C O R E Distributors.

utterance: OK. And do you have an address for that business. and, also is this a domestic transfer?

utterance: Yes, so it's eight three seven Watkin Mill, Washington D C and eight two seven one nine is the ZIP code. And yes, it's in the US so it's domestic.

utterance: All right, Jill. And, are you wanting to transfer this money from your Intellibank Business Total Checking account today?

utterance: Yes. it's the account that I gave you already.

utterance: OK. And how much are we transferring to them today?

utterance: It's five thousand nine hundred and two dollars and ninety cents is what the invoice is for.

utterance: Alright. And, do you have a routing number for the business at Morgan Financial?

utterance: Yeah, so it's nine three seven nine two eight four nine three.

utterance: OK. And, do you have the business account number that we're transferring this too?

utterance: it's two eight one zero zero eight zero. That's the checking number.

utterance: All right.

utterance: Let me get this transferred for you. Give me just a moment, Jill, OK? And do you have an invoice number you'd like me to include for the transfer notes to the business?

utterance: Oh, yes. so it's M as in Mary nine eight eight four two.

utterance: All right. Let me get those notes added. I'm getting this transfer for you right now. Was there anything else that I could do for you today, Jill?

utterance: Actually, while I have you on the phone would it be possible to also apply for a line of credit for my business?

utterance: Yeah. I can do that for you.

utterance: Let me just pull up your account information and I may need to ask you some additional information, OK? So, I'll have to ask you a few additional questions but let me pull up the info I already have on you.

utterance: That's fine.

utterance: OK, Jill. So, I have your account number, your date of birth, your PIN number. can I also get your social security number?

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

utterance: OK. And what is your driver's license number?

utterance: It's M as in Mary nine three seven zero zero two zero zero.

utterance: And, can you tell what state of issuance that is?

utterance: you mean like what state my license is?

utterance: Yes, that's correct.

utterance: It's Kansas. It's at Kansas.

utterance: All right, Jill. And, let me ask you, are you the only owner of the business?

utterance: Well, it's an LLC but yes, I'm the only owner.

utterance: Yeah. OK. It's Got that marked there. And, and when did this business open?

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

utterance: All right, Jill. And, what does your business gross annually? Do do you know what that information is? Do you know what you made last year for the business?

utterance: I think last year we made like five hundred and twelve thousand. that is what we grossed.

utterance: OK. And, what is your tax ID number, Jill?

utterance: My my tax ID is a Missouri ID and it's seven three eight eight two nine zero.

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

utterance: It's eight three seven two Hillshire Way in Kansas City eight three six seven two.

utterance: OK.

utterance: Jill, do you receive your mail your I'm sorry your banking mail at the business or do you receive that at your home address?

utterance: You can send everything to the business. That's where get most everything.

utterance: All right. Let me also get an email address for you, Jill. Can I also get an email for you?

utterance: It's Jill Baker J I L L Baker at Johnson Controls dot com.

utterance: All right, Jill.

utterance: Jill, is there a specific amount that you're looking for on this line of credit? I I can't get guarantee you that you'll get that amount. But, is there a specific amount you're you're hoping for?

utterance: I'd like to at least get ten thousand if I can.

utterance: OK. And, what are you looking to obtain this line of credit for?

utterance: So, I mainly just want to have it as a back-up in case the business has an emergency or something come up. could you tell me what those interest rates are as well?

utterance: Yeah. So, our rates run from six point nine percent to eighteen point nine percent on those line of credits what we do is we kind of gather information from your account hin-history, and previously provided information on your financial accounts and and your credit report and then that's how we determine that credit line amount and the interest rate that you qualify for.

utterance: OK. Thank you.

utterance: Ok, Jill. So, what I'm gonna do is I'm gonna go send this application through to see if we can get pre-approval for you. If you give me just a second to send that through, it shouldn't take very long here.

utterance: OK. So, based on the information you provided, Jill, we have got you pre-approved for a twelve K line of credit.

utterance: So, you do got a twelve thousand dollar line of credit with an interest rate of eight point eight percent. That's what the pre-approval is for. So what I'm gonna do now is I'm gonna email you a link to our loan portal with a list of documents. It'll give you a list of documents on there that I'll need for you to provide.

utterance: Once you access that email, if you can upload those required documents then a loan agent will reach out to you to assist you with the rest of the loan. OK?

utterance: So I do want want to let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be can be verified. Did you have any questions regarding that?

utterance: I don't think so. So, you're gonna email all that over to me and then I'll sign it?

utterance: Yep. That's correct. So, I'll email over everything to you, you'll get it signed and as soon those loan agents are able to review that then someone will give you a call back. OK? Was there anything else I could do for you today, Jill?

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

utterance: No problem, Jill. Thank you for choosing Intellibank. You have a great day.


utterance: Hey this is Timothy at Intellibank. How mat I help you today?

utterance: Hi Timothy. This is Rosa, Rosa Montgomery

utterance: Okay.

utterance: I actually called about making a payment for my gold card but you guys weren't able to verify my identity.

utterance: Okay, yes I can see a note and the system says that you did call yesterday and yes, I I believe you could not answer one of the security questions.

utterance: Yeah, so I think I'll be able to answer it today. I think I got, I figured it out. I did make the account five years ago so, it's a little hard for me to remember but I think we'll be good to go today cuz I really need to make this payment.

utterance: Okay, okay all right well before you proceed I'm gonna say it's Rosa, what is your last name again?

utterance: Montgomery.

utterance: Montgomery, and how do you spell that?

utterance: M O N T.

utterance: Mhm.

utterance: G O M E R Y.

utterance: OK and what is the credit card number you're referring to?

utterance: Hold on, one second. Let me grab that.

utterance: Okay.

utterance: Okay.

utterance: I actually have two cards with you guys. One of them I thought I lost so I ordered a new one but now I have both of them. Let me just figure out which one is the new one.

utterance: Okay.

utterance: It it should say the expiration date that'll that'll be help very helpful.

utterance: OK, yeah yeah yeah I got the new one in front of me.

utterance: OK great.

utterance: You ready?

utterance: Yes.

utterance: Okay, it's five five five nine.

utterance: Five five five nine.

utterance: Six three two one.

utterance: Six three two one.

utterance: Seven eight seven nine.

utterance: Seven eight seven nine.

utterance: Four four three three.

utterance: Four four three three?

utterance: Mhm.

utterance: Okay, and what is the PIN?

utterance: It's one five nine.

utterance: One five nine.

utterance: Okay what what is the last number?

utterance: It's nine.

utterance: Oh, one five nine nine?

utterance: Oh yeah yeah sorry.

utterance: OK, it is one five nine nine. That is what you're saying? Okay.

utterance: Yes, yes.

utterance: Alright one five nine nine. Okay yeah, now the last question.

utterance: What is your mother's maiden name?

utterance: That's so weird, that's not the question they asked me last time. Did I fill out multiple ones and then you guys just get a shows you one to ask each time?

utterance: Yes, yes the one that they asked you yesterday looked like it was your the name of your first pet.

utterance: Yeah, okay. My mother's maiden name was Racquelle.

utterance: Racquelle?

utterance: Yeah, that's R A C Q U E L L E.

utterance: Okay, let me see here. Are you did you misspell that

utterance: No.

utterance: Or did you make?

utterance: No, I think I think I would know my mother's maiden name.

utterance: Okay you know what that sorry, that that was my mistake. He's, yeah I I misspelled it. Okay.

utterance: That's okay, it happens.

utterance: Yeah, okay, yep so we have that and yeah we can verify your information this is great. Alright so next up your your saying you need to make a payment and you, it needs to be done next week?

utterance: Before next week?

utterance: No preferably, it would happen this week, maybe at the end of the week?

utterance: Okay.

utterance: I want to get my fiances in order before going to vacation I'm going to Aruba. Have you ever been?

utterance: OK.

utterance: I have not, but I've heard wonderful things.

utterance: Yeah, I heard that have really good food which I'm excited for And I think me and my boyfriend are gonna take like like a type of like ballroom dancing class. Gonna be outside on the beach.

utterance: Yeah.

utterance: Oh, what are you going to do? Salsa, are you going to do merengue or?

utterance: I actually don't know it's gonna be like whatever dance is native to Aruba. I don't remember what it was called.

utterance: OK.

utterance: But yeah, so I do what to got ahead and get my fiances in order before I go on this trip because I don't want to be thinking about that, you know.

utterance: Okay.

utterance: Well right now, it looks like your balance is at twelve thirty-five twenty-two.

utterance: And so what do you think you can do payment wise?

utterance: you said twelve thirty-five twenty-two?

utterance: Let's see. Can I go ahead and just pay it all off?

utterance: Yeah, yeah, absolutely. I will just need the bank account number and the routing number.

utterance: Okay that's gonna be the the bank account number.

utterance: Mhm.

utterance: It's five five three eight seven seven.

utterance: Five five three eight seven seven.

utterance: Four nine two two.

utterance: Four nine two two.

utterance: Seven eight seven one.

utterance: Seven eight seven one. And what is the routing number?

utterance: Five eight nine five six six one.

utterance: Five eight nine five six six one?

utterance: Yep.

utterance: Okay, and you want to make that payment today?

utterance: can, let's do it on Friday.

utterance: On Friday? Friday the twenty-second.

utterance: Yep.

utterance: OK. So you have a payment on the paying it all off Friday the twenty-second?

utterance: Mhm.

utterance: Okay, I submitted that and is there anything else I can do for you today?

utterance: Nope, that's it.

utterance: Okay, well thank you again for being a wonderful customer and we apologize for the problem yesterday but we hope that this solved everything and you enjoy your trip.

utterance: Alright, thank you.

utterance: Thank you.


utterance: Good morning, this is Intellibank. This is Ricardo speaking.

utterance: Hi Ricardo. I'm happy I got you.

utterance: Hi, what's going on?

utterance: A couple of things.

utterance: Yeah.

utterance: So I need a full breakdown for everything on the categories of my consumer priced index aside from food and electricity.

utterance: OK sure Aside for food or electricity all for last year or just for a certain quarter.

utterance: For every quarter that we've had so far this year.

utterance: OK great. So looks like, so for the four quarters we've had or the three quarters we've had this year, you total used about twenty-five percent. It breaks down about seven percent. Another seven percent on electricity and gas That's fourteen. And then eleven percent utilities and groceries. Or groceries and Well that's. Or food and. Yeah. That stuff What else can I do for your today?

utterance: OK.

utterance: Well, I'll just tell you that my name is Ida.

utterance: Ida.

utterance: Ida Piso.

utterance: Ida Piso Good to meet you Ida Piso.

utterance: Good to meet you too Ricardo. All right. So now that you've sort of let me know where I'm at with my consumer price indexes. I'm wondering. What types of loans are available for small business owners such as my sweet self?

utterance: Oh. Well that. A simple S B A seven A SBA seven A loan would be perfect.

utterance: It would be?

utterance: It would be, yeah. I'd highly recommend it if you're looking to get get your business that little punch.

utterance: You sound pretty sure about it. Can you tell me what other loan options there are before I make a Commitment?

utterance: Yeah.

utterance: Sure. I mean, we have a real estate loan. I don't think you're looking for that.

utterance: No.

utterance: And the SBA five oh four loan. But I don't think you're looking for that because that's for a little bit more of a little bit bigger of a business than what you say you have.

utterance: Mhm.

utterance: the SBA seven loan is perfect for you because of the the size of your business and the amount of customers you have. And the and it is just you so far in the business, correct?

utterance: Yeah. Right now, it's just me.

utterance: Yeah, perfect. The SBA seven loan is just seven A loan is perfect for you.

utterance: Now, can you tell me how likely a small business owner such as myself is to be able to pay back that loan and have their business remain successful?

utterance: Yeah. The. Absolutely we have small payment options available with just a longer period of time to pay back. But we can definitely work that out with our finance department and get you set up for what you would need.

utterance: Mhm.

utterance: Mhm. And that could be happening today?

utterance: That could be happening today. Once. One minute after you get off the phone with me and I transfer you over.

utterance: OK.

utterance: Is that sound as something of interest you'd like to do?

utterance: I think yeah. I would definitely like to apply for the loan.

utterance: Perfect.

utterance: So. Can you just. Before you transfer me just see if I qualify before I get into a whole hopeful conversation.

utterance: Sure. Let me see. Let me run your information.

utterance: Oh, and also I'll be right back.

utterance: OK.

utterance: Do do do do do.

utterance: What'd you find out Ricard?

utterance: Oh! Welcome back! I found out that you are. You do. You do qualify. You do pre-qualify for it. So it'd be it'd be. At this point, it's best for you to talk to our finance department, our loan department considering the loan. And they would have all the information you would need.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: And yeah. That'd be great. And it's being pre-approved. So this is great.

utterance: And what was the name of the loan again that I should I should talk to them about?

utterance: It's the SBA seven A loan.

utterance: OK.

utterance: Yeah.

utterance: Can you. Would you be able to just do a little quick pre-talk with them before you transfer me?

utterance: Sure, I can.

utterance: OK. So, I'll just wait on the phone.

utterance: Yeah. Just wait on the phone and I'll just call them right now.

utterance: OK.

utterance: You still there?

utterance: I am yeah. Hi.

utterance: Oh. Perfect. OK. So they're aware of everything. They're aware of your situation and I'm going to transfer you over now and they're waiting for you.

utterance: Mhm.

utterance: Oh great, thank you so much.

utterance: All right.

utterance: Have a great day.

utterance: You too.

utterance: Goodbye.


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

utterance: Good morning. I have been meaning to make this call all week but kept putting it off because of because of work injury I'm feeling better now. Do you guys still offer something from the C D C debt house? To do with a debt refinancing for business? I got something in the mail a about it yesterday but I can't recall it something like S B C I think?

utterance: Oh yes sir. We are currently offering S B A five oh four loans. That is a loan through the CDC. That way you can actually purchase it's it's actually created especially for real estate but you could use it for addition reasons and the government assumes some risk with this loan so it's actually a easier loan for you to obtain.

utterance: OK.

utterance: OK sir. Would you like to apply for a SBA five oh four loan today?

utterance: Yes please.

utterance: OK sir. I'll need to get some information from you so I could go ahead and process that loan request through our system if you don't mind?

utterance: No problem.

utterance: All right sir can I have your first and last name please?

utterance: Yes. First name William last name Grayson.

utterance: All right Mr. Grayson. Could I next have your street address including the city state and ZIP code?

utterance: Yes my street address is thirty-five seven eight Clinton Street city Little Rock the state Arkansas ZIP code seven two two one one.

utterance: All right. Thank you so much Mr. Grayson. Could I next have your social security number please?

utterance: Social security number is four three two eight six three nine six nine.

utterance: All right sir. Can I have your drivers license number as well as the state next?

utterance: Yes could you hold on please and let me run and go get that?

utterance: Absolutely sir take your time.

utterance: All right.

utterance: All right I got that. Excuse me here.

utterance: All right.

utterance: OK sir.

utterance: That number is four eight two two one nine one nine four in the state of Arkansas.

utterance: OK sir. That number was four eight two two one nine one nine four?

utterance: Yes ma'am.

utterance: All right. Thank you sir for that and could you give me the PIN that you have associated with your account with us?

utterance: yes I have two of them. I changed and don't know which one you have on file don't know if it even got updated yet? One of them is three oh seven oh and the other one is five five two three.

utterance: All right sir. Yes it looks like the PIN we have on file for you is the five five two three. If you'd like to make a note of that for future reference sir?

utterance: I sure will.

utterance: Ok Mr. Grayson could you also give me the email address you would like on this application?

utterance: Oh yes my email address is Grayson W S A S twenty ten at Gmail dot com.

utterance: OK Mr. Grayson. Could you next give me your business name please?

utterance: Well that would be Shuck's Auto Supply.

utterance: All right that is Shuck's Auto Supply?

utterance: Yes.

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

utterance: Well yes I am ma'am.

utterance: OK. Could you tell me the date this was established on?

utterance: It was.

utterance: Established on nine five two thousand ten.

utterance: OK sir and could you list your gross annual sales please?

utterance: Yeah that is two hundred and twenty-five dollars.

utterance: All right sir and next I will need your tax ID number?

utterance: Tax ID number is five six five four three four six six zero.

utterance: All right sir and next I will need your business address please?

utterance: Yeah business address is five six oh one Lincoln Drive.

utterance: All right and the city?

utterance: That would be in Little Rock.

utterance: And what state was that sir?

utterance: That'll be the state of Arkansas.

utterance: And could you give me the zip as well?

utterance: The zip is seven two two one one.

utterance: All right. Thank you so much for that sir and for the mailing address you would like on file would you like to list your home or your business address sir?

utterance: I would list that business.

utterance: All right sir. to verify that was five five one Lincoln Drive in Little Rock Arkansas seven two two eleven?

utterance: That would be correct.

utterance: OK. Thank you so much sir. And what is the loan amount you would like to request today sir?

utterance: Thirty-five thousand.

utterance: OK and thirty-five thousand will be used for what sir?

utterance: I have me a debt refinancing.

utterance: All right sir for debt refinancing sir you sure can and sir what is the down payment percentage you would like to request for this?

utterance: can I do a ten percent?

utterance: OK sir. You would like to apply ten percent down for this loan request?

utterance: Yes.

utterance: All right sir. Thank you so much for giving me all that information. Can you please hold on while I complete your loan application in our system?

utterance: Sure Cassandra no problem. I know you probably stay pretty busy? Do you like working there?

utterance: Absolutely sir. This is one of the best jobs I've ever had. This is one of the best careers I've ever had actually.

utterance: Wow that's good to hear.

utterance: Oh yeah financing seems to be a good calling for me.

utterance: And and they say once that I think they say that if you love what you do it's not working. Absolutely.

utterance: Absolutely.

utterance: Sir and I do love what I do.

utterance: That is beautiful.

utterance: Thank you sir. OK Mr. Grayson I've gone ahead and submitted all the information you have on you have given me through our system for this S B A five oh four loan. We'll need additional supporting business documents from you. You can send those in for us via email fax or you can also upload those documents. If you have online banking with us you can go ahead and process that through your online banking account sir.

utterance: Thank you for that.

utterance: All right and if you get that information back to us as soon as possible we'll make sure we get back to you as soon as possible with the results of your application sir.

utterance: Sounds good to me.

utterance: All right. Thank you so much Mr. Grayson. Is there anything else I can help you with today?

utterance: Well that's about it.

utterance: All right. Thank you again for your time and for your patience. Again my name is Cassandra and enjoy the rest of your day sir.

utterance: You have a beautiful holiday.

utterance: Thank you. You too sir.

utterance: And bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. My name is Jake, can I have your first and last name please?

utterance: Yes, this is Monica Stevens.

utterance: OK, can I get your date of birth?

utterance: One one nineteen sixty.

utterance: All right and for security purpose can I get your email address we have on file?

utterance: Organic peach at Gmail dot com.

utterance: OK, you say organic peach?

utterance: Yes.

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

utterance: Yes it's P G one three three seven four A.

utterance: OK. And how can I help you today?

utterance: Yes I would like to open a account, a user account.

utterance: OK, we can do that for you. All right and who do you wanna put on this account? Is this a friend or a relative or an employee?

utterance: Employee.

utterance: OK and this is for the business account?

utterance: Yes.

utterance: OK. Can I get your business account name?

utterance: Is Tina Incorporated.

utterance: OK can I get the text ID number?

utterance: it's two three six seven nine zero.

utterance: OK, can I get the address?

utterance: It's eleven thirty-seven Apple Street, New York New York, one zero zero zero I think six two.

utterance: Six two yeah. It's been a long day for you .

utterance: Yeah, buddy.

utterance: Oh. Whew.

utterance: OK can I also get the business PIN?

utterance: OK, it's four eight seven two.

utterance: OK. Also, OK who would you like to put on the account?

utterance: OK, Tania Wilson.

utterance: Tania Wilson, can you spell Wilson for me?

utterance: W I L S O N.

utterance: OK. All right. What's her date of birth?

utterance: three nineteen nineteen sixty-five.

utterance: Three nineteen nineteen sixty-five?

utterance: Yes.

utterance: OK. All right. And did she give you permission to give her social security number?

utterance: yes.

utterance: OK, let me get that.

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

utterance: OK. And do you have her state ID or driver's license?

utterance: Yes, it's P as in Paul A as in apple three three eight two one one.

utterance: OK and do you have a residential address for her?

utterance: Yes it's forty-five sixty Hallow Avenue, New York New York, one zero zero zero three.

utterance: Mm OK, and to hit the nail on the head, do you have a email address for her?

utterance: Yes, is bell's B E L L apostrophe S and cats C A T S at Gmail dot com.

utterance: OK. All right. Looks like everything is good.

utterance: OK.

utterance: I am going to.

utterance: When is this

utterance: Gonna be in effect? When this gonna be .

utterance: It should.

utterance: Happen within the next ten ten minutes .

utterance: Oh OK.

utterance: OK.

utterance: give it twenty-four hours just in case it doesn't but she should be good, I am gonna give you her own PIN.

utterance: OK.

utterance: All right.

utterance: Her PIN will be nine one two nine.

utterance: OK.

utterance: she will use that to login to this exact account.

utterance: All right.

utterance: OK does she know about the the app online?

utterance: Yes.

utterance: OK.

utterance: Yes.

utterance: OK well she's there in the system, Ms. Stevens.

utterance: OK thank you, I appreciate your help today.

utterance: there's no problem. Is there anything else I can do for you?

utterance: no, that's about it. Thank you, I appreciate it.

utterance: All right, well thank you for calling Intellibank, you have a good one.

utterance: You too, bye.

utterance: Bye bye.


utterance: Hi this is Danny Brooks with Intellibank. What can I do for you today?

utterance: Hi this is this is Tim Godfrey.

utterance: Hi Tim.

utterance: Hello.

utterance: Is there something I can help you with today Tim?

utterance: Oh yeah yeah. sorry sorry I just I I space out a little bit. I I I have a bank account with you. And I I ordered checks last month. And I I I paid most of my bills through I have automatic bill pay with you. And I essentially wanna just confirm what my net income is because I'm exploring the different loan options that I have coz I'm trying to take out a real estate loan. Trying to get a trying to buy a rental unit. And I'm almost paid off my mortgage on my main home. And so now at this point I'm looking to get into a rental unit. And so I just wanna see exactly what my standing is. And what we can do.

utterance: Of course. I'd love to help you with that today. So I'm gonna go ahead and pull up your account. But first can I get your full name?

utterance: Yes. So Timothy. Godfrey.

utterance: Timothy. And is it Timothy spelled E E? Or E Y?

utterance: Y.

utterance: OK. Timothy Godfrey. OK. And what's your birthdate Timothy?

utterance: it's fourth of July.

utterance: Oh wow.

utterance: Yeah.

utterance: Yup. Yup. You know. Nineteen ninety-four.

utterance: OK. July fourth nineteen ninety fourth. OK great.

utterance: Yeah.

utterance: The whole county celebrates my birthday.

utterance: That's amazing.

utterance: That's right.

utterance: OK. So before I can pull up your account I need to verify some just security information.

utterance: OK. That's that's fine.

utterance: OK. Can I get the last four digits of your social security number?

utterance: Four eight one two.

utterance: Four eight one two. OK. And do you have your account number?

utterance: Yes.

utterance: hold on let me just pull it up. Let me just pull it up. I believe it eight five nine, nine five nine four three seven two.

utterance: OK let me make sure I got that. It did you say eight five nine nine, five nine four three seven two?

utterance: Yes.

utterance: OK great. And your PIN?

utterance: zero four one.

utterance: OK. And I'm gonna go ahead and just ask you a few security questions. You'll recall that these are the ones that you set up when you created your account.

utterance: Sure.

utterance: OK. What city where you born in?

utterance: Born in Macon Georgia.

utterance: Could you spell that for me?

utterance: M A C O N.

utterance: OK great Yes.

utterance: Kinda like bacon.

utterance: You know.

utterance: Yes. OK And the next question is, what's your favorite restaurant?

utterance: I love Applebee's.

utterance: Applebee's.

utterance: Yup.

utterance: Yup. OK. And final question, what's your mother's maiden name?

utterance: Her her maiden name? Her her maiden name is is Roseanne.

utterance: Roseanne. And is that with one N or two?

utterance: Two N's.

utterance: OK. Yup. Everything checks out. Thank you for verifying your information.

utterance: You're welcome.

utterance: OK. So just give me one second to pull up your account information. OK. Thank you for your patience. I have pulled up your account information. And you wanted to go ahead and check your net income?

utterance: Please.

utterance: OK. Just one second.

utterance: I think it's two hundred and twenty-five thousand for for this year. but I might be wrong.

utterance: OK. it's actually saying three hundred thousand.

utterance: Oh oh oh I'll take that. That's that's OK. yeah. I agree.

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

utterance: No. That's that's that's you know. Are you having a good day?

utterance: yes. I am having a good day. Thank you.

utterance: I'm having

utterance: I'm having an even better day now, with with this. With this level of of of customer service. Like that Like your your probably the the best the best agent I I've even dealt with.

utterance: Oh thank you.

utterance: Aww thank you so much. Well it looks like you're in great standing with us. And you've been a loyal customer. Have you thought about you know applying for one of our credit cards?

utterance: I thought about it. I thought about it. maybe I'll look into it coz I I might be in the market for cards soon. So I'll reach out. Can I do this online?

utterance: Yes. Yes of course.

utterance: OK. So I'll do that. But I I appreciate all your help.

utterance: OK. Thank you so much. Is there anything else I can help you with?

utterance: That's about it.

utterance: OK. You have a lovely day.

utterance: You do the same.