utterance: Good afternoon. Thank you for calling Intellibank. My name is Jan, and I am happy to assist you today. And I do have to let you know that this call is recorded and monitored for customer service purposes. How may I help you today?

utterance: Hi. I wanna change the way I get my statements. I get them emailed to me, I don't know how that happened, because I never, I don't know how got on paperless billing in the first place. I just want to change it to get them in the mail, the hard copies.

utterance: All right, I'd be happy to do that for you. And may I ask who I'm speaking to?

utterance: my name is Carmen Jonesover.

utterance: Can you spell your last name?

utterance: J O N E S, O V as in victor. E R.

utterance: OK. Thank you so much. Jonesover, or J O N E S O V E R.

utterance: Mhm.

utterance: And is that Carmen with a C or a K?

utterance: C like Carmen Jones, the musician.

utterance: Great. All right. all right, so let me just ask you a few quick questions to access your information.

utterance: Mhm.

utterance: Carmen, may I please have your date of birth?

utterance: it's ten twenty five sixty one.

utterance: Oh. Well, you just had a birthday.

utterance: Yeah.

utterance: Happy birthday.

utterance: Oh.

utterance: thank you.

utterance: All right, and may I also have the four digit security pin associated with your accounts?

utterance: three three nine seven.

utterance: Three three nine seven.

utterance: Mhm.

utterance: OK. Very good. One moment please. OK Carmen, I do see here that you have your business gold credit card with us. You have your business total checking. As well as your smart savings account.

utterance: Mhm.

utterance: All right. And it does look here like all three of those are set up for paperless billing. So did you want all of these changed?

utterance: yeah, and I can give you my address.

utterance: Certainly, give me one moment so I can get into that screen.

utterance: OK.

utterance: bear with me one moment all right, and can you please verify the email address that they are being sent to?

utterance: yeah, can you hold on a second? I just changed my email address, so I just wanna make sure that I don't remember the old one.

utterance: OK.

utterance: OK, you ready?

utterance: I am.

utterance: Carmen dream at Earthlink dot net. I know, it's a really old

utterance: I haven't heard Earthlink in a long time.

utterance: I

utterance: Know.

utterance: All right, so I'm just checking here, That as that is actually the email address where we have been sending the bills, all three of them.

utterance: Oh

utterance: OK.

utterance: So, no no changes to make there, except for the delivery system All right. So, if you will just bear with me for one moment, I need to go actually into each account separately to generate it. But it won't take more than about twenty to thirty seconds.

utterance: OK.

utterance: Thank you so much for your patience. You will hear silence in while I'm doing this.

utterance: Thank you so much for your patience. All right Carmen, I was able to change your credit card, your checking and your savings. So you will no longer receive the bills via your email and please let me know the address that you would like these sent to.

utterance: yeah it's one one three seven Rose Avenue.

utterance: Oh. Pardon me, I don't mean to interrupt you that's not the address I have on file for you, so I just need to input that into the system.

utterance: Oh.

utterance: OK, one more time?

utterance: one one three seven Rose Avenue Boston, Massachusetts. Three two five nine one.

utterance: OK, one moment. All right, one moment again I'm just inputting this into the next system.

utterance: God, I hate computers. Everything takes forever.

utterance: I know. Technology. All right. And last one is the credit card All right, terrific. I did get that uploaded in the system. I do wanna let you know That it may take four to six weeks for you to see the the first paper billing. it it we just finished a current billing cycle so even though I did delete you from email, it may still go out that way just on the current billing system, does that make sense?

utterance: OK that's fine. Thank you for your help, I appreciate it.

utterance: OK.

utterance: All right, well thank you so much and you have a good day.

utterance: Bye, thanks.

utterance: Bye.


speaker_role: Agent

utterance: Hello. Thank you for calling Intellibank. My name is Giana. How can I help you today?

speaker_role: Customer

utterance: Yes, hello Giana. I was wondering if you have someone that can help me verify identities when signing documents. I have an Intellibank account and was hoping to be able to set something up with you guys.

utterance: Well yes sir we do offer a notary notary public for our Intellibank account members. If you would like I can go ahead and set you up an appointment with one of our notaries. Yes they can help you verify identities whilst signing documents and they also offer additional services as you like Some of those services are if you need information about Sorry. legal documents, they can help you with legal formalities, they can certify contracts deeds, any other documents within your local jurisdiction. Is that does that sound what sound like what you're needing sir?

utterance: Yes that sounds great.

utterance: All right sir, I'll need to get a little bit of information from you so I can go ahead and set up an appointment with one of our notaries in your in our system. first of all can I have your first name please?

utterance: Yes. My first name is Gabriel.

utterance: All right. And your last name sir?

utterance: Robinson.

utterance: All right. That is Gabriel Robinson. Is that spelt R O B I N S O N sir?

utterance: Spelt R R O B I N S O N.

utterance: OK.

utterance: All right, thank you sir. and what type of appointment would you like? We offer in person and online appointments.

utterance: Can I get a in person?

utterance: Yes sir I can certainly set you up with an in person appointment with one of our notaries. And what appointment date were you interested in?

utterance: hold on let me check my schedule to make sure that I'm not doing nothing that day before I give these dates.

utterance: All right sir, go right ahead.

utterance: OK. I see here. I see here how about the fourteenth or the seventeenth?

utterance: All right sir, it looks like in our system the fourteenth actually falls on a Sunday, so we won't be able to set up any appointments on that day But I could definitely look up the seventeenth and see if we have any appointments available.

utterance: OK. I'd like that.

utterance: OK sir. Can I get the ZIP code for the location you would like that appointment for?

utterance: Yes the ZIP code is nine eight one one nine.

utterance: All right sir. that looks like that's in the Washington area.

utterance: Yes.

utterance: OK sir. Give me just one moment while I look up that information in our system.

utterance: OK.

utterance: OK it looks like we do have a.m. and p.m. appointments available on the seventeenth of this month sir. which one would you prefer?

utterance: can I get a a.m. please?

utterance: yes sir. We have eight thirty a.m. available. Nine fifteen a.m. available. And ten thirty a.m. available.

utterance: can I get ten thirty a.m.?

utterance: Yes sir I can put you down for ten thirty a.m..

utterance: OK. Pretty sure of that.

utterance: OK sir. could you give me just one moment while I go ahead and set up this appointment with our notary in the system please?

utterance: Yes. Take your time.

utterance: All right Mr. Robertson I've gone ahead and scheduled you an appointment for an in person meeting with one of our notary publics on the seventeenth of November at ten thirty a.m.. That's gonna be in the Washington location so one of our advisers will contact you via phone, email, or text so that you can actually make sure that you have that appointment in our system ready.

utterance: OK. Sounds great.

utterance: All right sir. And I just wanted to let you know that in the future if you wanted to schedule an appointment with any of our financial advisers, for a specialist, investment specialist or notaries, you can actually do that at our online site at Intellibank dot com. We offer that through with our clients that bank with us. You can actually log on through your personal banking account. And you can go ahead and set that up at your convenience sir.

utterance: OK. That sounds good as well.

utterance: Oh.

utterance: All right sir. Are you one of our online banking clients at this moment?

utterance: yes I am.

utterance: All right sir. So if you want to you can actually go in and set that up at any time, day or night sir.

utterance: OK. And.

utterance: But.

utterance: You can also feel free to go ahead and call us anytime as well.

utterance: OK. And I can set that up day day or night?

utterance: Yes sir, absolutely.

utterance: OK.

utterance: OK I got that. Thank you for that information.

utterance: All right sir. Is there anything else I can help you with today Mr. Robinson?

utterance: I believe that will do it. Thank you for your time.

utterance: All right thank you so much sir for your time and patience. Again, my name was Giana. And I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you sir. Bye bye.

utterance: Bye.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. This is Michael. How may I be of service today?

utterance: Hey Michael. How's you day been?

utterance: Not too bad. How about yourself?

utterance: Yeah pretty pretty good. Pretty good. You guys have like a lot of parks out your way?

utterance: No we are actually here in Arizona and it is it is mostly desert around us we're in an industrial complex but you know I love a good park. How about yourself?

utterance: Yeah same same. Yeah just kinda came to mind cuz as I'm making this call I'm looking out our window and there's a park kinda down the block. They've recently cut these trees and now I can I can see the park pretty clearly.

utterance: Oh that's beautiful.

utterance: Yeah.

utterance: That is wonderful.

utterance: It's a pretty good setup. .

utterance: Unfortunately

utterance: Here at Intellibank we don't have any windows.

utterance: Oh I'm sorry.

utterance: Yeah it's

utterance: Gotta talk to them about that. I dunno call HR maybe you know make like a productivity plea. Maybe they'll .

utterance: Yeah, I would, I would

utterance: Appreciate that. I I would ask that if you do that you don't mention my name but I do appreciate that. Nonetheless.

utterance: Oh yeah maybe something like concerned customer thinks would be a great idea for productivity. You know anonymous no one. No one has to know.

utterance: So you mentioned being a customer?

utterance: Yep.

utterance: I am assuming that means you have an account with us?

utterance: I do. I do. Sorry. Yes we recently made a few charges onto our on our our our our company card. and we're just kind of worried if those things hit what what's going to happen? Cuz we have a major Excuse me. Excuse me. We have a major trade show coming up and there's gonna be a a a lot of expenses that we're gonna have to to make immediately. And we just kind of forecasted pretty poorly for what's gonna be coming through in the next month. and so, I I I don't really know how to do this but it it seems that we're gonna really run into like a bottleneck. I made a few charges. Another team member in marketing has made a whole wealth of charges. And we're just really really worried that we're gonna be hit hard.

utterance: Mhm.

utterance: Well the good news is that if you're able to make these charges then that means that you have not hit your limit on the card yet. If you had hit your limit then the charges would have been declined.

utterance: Mhm.

utterance: so, all of the charges that you've already made have gone through. what I can do for you is I can check the remaining available balance and see how much credit is left available for you on that card. to do that, I'm gonna have to start with your first and last name and your date of birth.

utterance: OK first last is Mike Charles. And the date of birth is Excuse me December third nineteen eighty-two.

utterance: And can I get your four digit security PIN?

utterance: Yep it's one six four nine.

utterance: All right it looks like you have the Intellibank Business Gold Card. can you please give me the sixteen digit card number?

utterance: Sixteen digit card that would be nine seven four three two five four four five nine nine nine. Five eight four four. Now we have the the Gold card to move up to Platinum you have something higher than that that may have a higher limit for us?

utterance: That is correct, the Gold.

utterance: We do we do have the platinum card unfortunately right now you would not be able to apply for that until the next business year.

utterance: Hm.

utterance: So you're gonna have to wait until January for that. that is the bad news. The good news however is you still have six thousand five hundred forty-eight dollars and twelve cents available for you to use on your business gold card.

utterance: OK yeah excellent excellent. That yeah that should give us plenty of room to kinda cover what we need to do. in the near future.

utterance: Fantastic and also in the future if you ever need to know the balance of your credit and you don't want to give us a call. You can access your balances twenty-four hours a day. They are online services at Intellibank dot com or through the Intellibank app which is available at any app store. is there anything else I can help you with today?

utterance: no I think that's all. Yeah I really think that's it.

utterance: Great, well thank you for calling Intellibank and you have a wonderful rest of your day. Bye.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank. This is Fredrick. How may I help you today?

utterance: Hi Fredirck. I've just been calling around all over town trying to find some place with notary services. I Is that something you guys offer with your bank?

utterance: We offer notary services. Yes.

utterance: Oh perfect. Finally got someone that can help me out.

utterance: Yeah. I can set up an appointment for you. If you would like?

utterance: Oh that'd be great. Yeah. Me and my wife are signing over the deed to our house. To our parents just so we can put it in their name and then get our another house for our vacation home. So we're just trying to get that taken care of.

utterance: Absolutely. We can help you with that.

utterance: So to start out. Let's go ahead and pull up your existing Intellibank account.

utterance: Can I please get your full first and last name as it appears on your Intellibank account?

utterance: My name is Donovan Garcia. So I'll go ahead and spell that for you. It is D O N O V A N. Last name Garcia. G A R C I A.

utterance: All right and can I get your date of birth?

utterance: Date of birth going to be seven twelve eighty-nine.

utterance: And what is your six digit account number?

utterance: That account number I have here is eight six seven two nine five.

utterance: All right.

utterance: And what is your four digit PIN?

utterance: Four digit PIN is one nine six two.

utterance: All right.

utterance: Just need to hold on a moment here while the computer pulls up your account.

utterance: No problem. Are you in the market for a house? I'm a real estate agent. Seeing if do you buy or do you rent?

utterance: I rent and you know I originally came to terms with the fact that I probably won't ever be able to buy.

utterance: Don't say that. I think we can come up with some some your price range type of spots where where you live right now.

utterance: I live about an hour from the call center here and Tempi.

utterance: Oh wow, that's quite a drive. You wanna try and get closer?

utterance: I would love to. I don't know if that's possible but I would love to get closer.

utterance: All right. Well you have my information I'm sure there. So yeah. Gimme a call if your ever trying to to get out where you're living and we will get you set up.

utterance: Unfortunately they have told me multiple times that I am not allowed to call the customers.

utterance: OK. Well. We'll just keep it between you and me.

utterance: What is your ZIP code so I can find the closet branch?

utterance: ZIP code's gonna be nine seven three nine three.

utterance: All right.

utterance: Looks like we have a notary available at the branch located at fifty-six forty-nine Pine Street.

utterance: Is that a location that works well for you?

utterance: Yeah. I think that should work well for us.

utterance: When are you looking to set up this appointment for?

utterance: Let's go ahead and make it. I don't know if you do appointments this far out but maybe a month from today?

utterance: Yeah. Absolutely. That is a lot easier to book appointments that far out. We appreciate you thinking about that. You know a lot of people call and they want their appointments today or they want their appointments tomorrow and you know, that can be difficult but a month out not an issues.

utterance: Perfect. Yeah. We will go ahead and take a look out there We got some other things to take care of before we actually do the signing of the papers. But yeah we'll go ahead and get it, get it planned right now.

utterance: OK. What day would work of the week works best for you?

utterance: let's go ahead and do Wednesday. Kinda mid week.

utterance: All right.

utterance: We have Wednesday the tenth available.

utterance: The tenth. Yeah. We will go ahead and book that.

utterance: And what time of day are you looking for an appointment?

utterance: Let's do like like a one o'clock.

utterance: We do have a one o'clock available on the tenth.

utterance: All right. Let's go ahead and book it.

utterance: OK. You are all set for an appointment with the notary on the tenth.

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

utterance: No that'll do it and I appreciate your help.

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

utterance: You as well.


utterance: Hi, this is Robin Forsythe at Intellibank. How can I help you today?

utterance: Hi, Robin. This is Laura Garrett. I'm in a bit of a time crunch so if we could get this done within the next five minutes, I would really appreciate that.

utterance: OK, I'll see what I can do. What can I help you with?

utterance: Great. I need a QLR. you know what that means, right?

utterance: Yes, you want your quick liquidity ratio, correct?

utterance: Yes, and I would also like to make an appointment with a notary.

utterance: OK, great. OK. So let me start by getting your quick liquidity ratio. Can I start by getting your date of birth?

utterance: sure. I don't understand why you would need that but it is December seventh, nineteen eighty-four.

utterance: December seventh, nineteen eighty-four. OK, Laura. I'm gonna go ahead and pull up your account, can I start by getting your credit card number on file?

utterance: You can't just look it up through my birthday?

utterance: No, unfortunately, do need to verify some information in order to get into your account.

utterance: OK. my credit card for my business account is zero three nine seven seven seven zero eight two zero eight nine four six eight eight.

utterance: OK. And just to confirm that, zero three nine seven seven seven zero eight two zero eight nine four six eight eight.

utterance: Yes.

utterance: OK, great. So I'm gonna go ahead and pull up your account but I do need to first verify a few security questions before we can proceed any further.

utterance: What is with these security measures? Nobody is trying to hack my account.

utterance: Unfortunately, we do have to verify these things, it is to maintain the security of your account, just so you know no one who's not supposed to be in there is getting in. So can I go ahead and get your PIN number, please?

utterance: I guess so. I'll have to look it up in my in my spreadsheet, give me a second.

utterance: Of course, take your time.

utterance: All right. The PIN should be nine nine one five.

utterance: Nine nine one five. OK, great. And when you set up your account, you answered a security question, I'm gonna go ahead and ask that now.

utterance: do I have to answer them?

utterance: Yes, you do have to answer. It's just one more question and then I should be able to get into your account.

utterance: Fine.

utterance: So the question is, what high school did you go to?

utterance: I went to Reseda high school.

utterance: OK. OK, Laura. Thank you for verifying that information for me, I am able to get into your account. So today you were calling first to find out your quick liquidity ratio, correct?

utterance: Yes.

utterance: OK, gimme just one moment to pull that up. OK. So it looks like right now you're at a three.

utterance: A three, is it good or bad?

utterance: It's definitely on the upper end, it's pretty good.

utterance: Good good. OK. I'll make sure to tell my investors.

utterance: Yes yes, it's definitely. Three is definitely a very good score.

utterance: You're lucky it wasn't low .

utterance: Well, I'm happy for you that your score is satisfactory to you. And you said you wanted to go ahead and also schedule an appointment with the notary?

utterance: Yeah.

utterance: OK. Did you have the specific day that you wanted this meeting to happen on?

utterance: Well, my schedule is pretty packed for the next week. what are the operating hours of the notaries?

utterance: It's from eight a.m. to six p.m. Monday through Friday and on Saturday, it's gonna be ten a.m. to three p.m..

utterance: I guess it'll have to be on a Saturday then.

utterance: OK. And you were looking to have it this upcoming Saturday or the Saturday after?

utterance: I suppose this document needs to go out sooner rather than later, so let's do it this Saturday.

utterance: OK. So this Saturday. Let me pull up the system and see what is available. OK, and did you want this meeting to happen online or in-person?

utterance: Which one is more premium?

utterance: they cost the same amount but so it just has to do with you know, what your schedule looks like and if you're available to go in in-person.

utterance: OK, fine. I'm I'm busy so, let's do it online.

utterance: OK, we're gonna do it online. And what time were you hoping to have this meeting?

utterance: Ten a.m..

utterance: Ten a.m.. OK, you are in luck. It does look like there is an appointment available at ten a.m.. So I'm gonna go ahead and schedule you for this Saturday, ten a.m. with an online appointment. OK. You are good to go. You should be receiving an email from us shortly just confirming your time, date, and how you are this meeting conducted. Is there anything else I can help you with while I'm on the line?

utterance: No, thank you.

utterance: You're welcome. Thank you for being a valued customer, do have a lovely day. Bye bye.


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

utterance: Hi Ashley. I actually need to check the current value of a stock. I downloaded this new stock app and need to make sure the numbers are correct.

utterance: OK absolutely understandable and I'll be happy to help you with that. just give me one moment and I'll bring up my systems here.

utterance: All righty. How's your day going so far?

utterance: It's going pretty good. I can't complain, it's Friday eve. So almost there to the end of the week. actually have a date tonight with my husband. So we're supposed to go to this new restaurant that has We've been on the waitlist for the longest time. It's in a new Italian restaurant so looking very much forward to that after work today. How about yours?

utterance: That sounds lovely. I don't have any major plans just really ready for some rest and relaxation. I'm ready for the weekend to get here already.

utterance: Understandable. Well at least your weekend's gonna be relaxed. Mine we're doing a lot of household chores. We're gonna do the lawn work and you know the weed cutting and catching up on laundry all that so. It'll be somewhat of a relaxing weekend but definitely getting a lot of stuff done around the house.

utterance: See that's what we're doing on Friday. and then Yeah we're trying to make it a long weekend so you know we have Veteran's Day today and then Friday we're gonna take care of the house. Get all of our chores done that way this weekend the kids can go with their grandparents and we can just relax.

utterance: That sounds like a fantastic idea, wish you the best on that. All right and can I go ahead and get your first name please?

utterance: Yes, sorry it's Nicole. N I C O L E.

utterance: Thank you and your last name?

utterance: Gonzalez with a Z.

utterance: Thank you and your date of birth please?

utterance: Seven, one, eighty-three.

utterance: Perfect and the PIN number on the account?

utterance: Five, five, six, seven.

utterance: Perfect all right. And what stock symbol would you like to check on today?

utterance: Dell please.

utterance: Dell. OK let me put that in here. OK so Dell it looks like the stock is at about four thousand per share. That's current market value. the stock market is closed in a few hours so it could change from now until then. You know how the market is but right now it's at four thousand. is there any other stock you'd like to check on?

utterance: Yes. I also wanted to check on Google.

utterance: OK. Google OK Google is at current market value once again is at about five thousand per share. again that can fluctuate between now and market closing time. but at the moment that is what we've got. Is there anything else that I can assist you with today?

utterance: I know this sounds like really high but I just wanted to confirm it looks like on the app Walmart is at eighteen thousand a share?

utterance: let me see. Walmart actually yes that is correct. well they are you know. They're the number one retailer in the world so they're they're doing pretty darn good.

utterance: right I just. Wow it looks so much higher than the rest.

utterance: Right. All right. .

utterance: Thank you so much for checking on that. Like I said you know this new app I just really wanted to make sure the numbers are correct. Save me a little bit of time.

utterance: Absolutely.

utterance: but is there any way that I can check the stock myself online? That way I don't have to call and bother you guys?

utterance: well you don't bother us first of all, but yes there is. you can go online to Intellibank dot com or download the app through the Google Play store or Apple store. Create a user name and password we'll ask you some personal banking information for verification purposes. so just make sure you have your banking info available when you when you're creating online account. And then you'll be able to go into the stock section and view all of your stock information and also what's going on with the market. And there's also some tips and FAQs in there as well that'll be helpful. OK?

utterance: Great that sounds actually pretty easy.

utterance: It definitely is and is there anything else that I can assist you with today?

utterance: No you've been such a big help and I hope you enjoy your date night with your husband. That sounds amazing.

utterance: Thank you. I definitely shall, and I appreciate you calling in. It's been a pleasure helping you and you enjoy the rest of your day.

utterance: You too, thank you.

utterance: Thank you. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank, this is Michael, how may I be of service to you today?

utterance: Yes Michael, I might want to open another account today, even looking into possibly taking out a loan, I need the, the FAQ process questions, business documents I believe for that, that's what I researched online.

utterance: OK, yeah. Absolutely. the best way to start is for us to pull up your current account. So, to do that I am going to need your full first and last name.

utterance: OK.

utterance: As it appears on the account.

utterance: We but. If I open up another account, how soon would that be activated? .

utterance: If it's another account, that will be activated immediately. if it turns out that you're applying for a loan then that could take up to seven to ten business days.

utterance: OK, good to know. sorry, yeah you wanted first and last name. It's Barton Allen.

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

utterance: August fifth, nineteen eighty-one.

utterance: All right. And what is your four digit security PIN?

utterance: one one four zero.

utterance: All right. And what is your six digit account number?

utterance: Three nine three eight seven one.

utterance: All right. I have your account all pulled up here. Thank you very much for banking with Intellibank. I do see that you have both our business checking account and our Intellibank smart savings account.

utterance: Mhm.

utterance: Thank you very much for having those accounts. Oh, and I also see that you have our Intellibank platinum business credit card as well. Thank you very much for having your credit account with us.

utterance: Yeah, you're welcome. Three accounts, three accounts.

utterance: so I also see here that you are not taking advantage of our online banking. just to let you know. You can get almost all of the information you can get from calling online. Twenty-four hours a day, seven days a week. Intellibank dot com. Or by downloading, the Intellibank app to your smartphone from any of the app stores, whether you have a droid or Apple device? OK. So. You're looking for the FAQ required business documentation it looks like?

utterance: That's right, I think I need that I I don't know, I'm trying to, sit on a stack of documents, cuz I haven't still filed my taxes from last year and I gotta run around town, do that today and

utterance: Well this is gonna require a stack of documents, I can tell you that.

utterance: go~

utterance: So, what we would need is you would first start by verifying a bunch of information that we already have on file for you. So you would need to verify your social security number your driver's license or state issued ID. You would need your tax ID number. You would need both your personal and business email addresses. You would need both your personal and business mailing addresses. We would need you to confirm your business's name. Confirm whether or not you were the sole owner. Confirm the establishment date. And then, if you're looking for a loan. We are, we would need to get the amount and the purpose. we would also need to get your gross annual sales. We would need your business licence. Two years of personal tax returns. Two years of business tax returns. And two years of year end financial statements. And those documents need to be physically mailed. Or brought into a branch. Is there anything else that I can help you with today?

utterance: No, that'll do it.

utterance: Well then, thank you for calling Intellibank. And you have an absolutely wonderful rest of your business day.

utterance: Thank you, have a good one.

utterance: Thank you, bye.


utterance: Good afternoon. Thank you so much for calling Intellibank. My name is Pena and I will be here to assist you today. How may I help you?

utterance: Pena, I was reading in the Wall Street Journal about these SBA five oh four loans and I want one.

utterance: Oh.

utterance: Well you know what? We can actually do that for you right over the phone. It takes five minutes or less.

utterance: Well all right.

utterance: And it's a great. It's a great time to do it. It. The pandemic is actually opened up some opportunities during these trying times.

utterance: OK.

utterance: All right. so just to let you know, I'm gonna be requiring a little bit of information from you. So let me start with your first and your last name please.

utterance: That sounds good. That's.

utterance: my name is Hank Ward.

utterance: OK, W A R D?

utterance: Yes.

utterance: OK great, and may I please have your four digit PIN number so I can pull up your account information?

utterance: Six zero seven six.

utterance: Six zero seven six. OK very good.

utterance: For Hank Ward.

utterance: For Hank Ward, yes I do see you here.

utterance: Two syllables for the names.

utterance: OK. Yes, Hank Ward. Two syllables.

utterance: That it, huh.

utterance: Don't have anything else.

utterance: There we go. OK. So let me start with getting your home address please.

utterance: OK, my address is five six eight nine Oak Lawn Drive.

utterance: OK.

utterance: San Bernardino, California. Nine zero zero zero eight.

utterance: OK, very good, and may I please have your social security number?

utterance: Six two five six zero nine nine five five five.

utterance: OK very good, and then I will also need your driver's license number and the state where it was issued.

utterance: California driver's license. Five eight zero six zero eight three one one nine.

utterance: Great. All right, just propagating this information. One moment.

utterance: Propagating?

utterance: Oh just a fancy word for inputting it in the system.

utterance: Propaganda.

utterance: You're putting a propaganda on my account. No propaganda while you propagate.

utterance: No propaganda.

utterance: Yeah. No, it. Just a way of making something in the system and and flourishing.

utterance: Oh right here.

utterance: Using those

utterance: Fancy words. You know, if I didn't know any better. OK. I'm sorry, go ahead.

utterance: No.

utterance: That's OK. let's see.

utterance: Your email address please.

utterance: My email address is Hank Ward at Hank Ward dot com.

utterance: Dot com. OK, very good.

utterance: Mm.

utterance: I'm a dot com.

utterance: You're a dot commer. Got it.

utterance: I'm a dot

utterance: Commer. Yeah.

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

utterance: One and only Hank yes.

utterance: There you go.

utterance: All right Hank, and when did the one and only Hank establish this business?

utterance: Well the one and only Hank established this business when he came out of the womb, but it wasn't until nineteen ninety-nine there was actually came to fruition in the world. So nineteen ninety-nine.

utterance: There you.

utterance: There you go. OK, and what would you say your gross annual sales were for last year?

utterance: Well I would like to say that it's, you know, sixty million, but what the actual sheet says It's a hundred thousand.

utterance: OK. Well that's no small chicken change.

utterance: We're a little ways off of that, but we're getting there.

utterance: OK.

utterance: Alrighty, and then I will need your tax ID number please.

utterance: Tax ID is six two five eight four seven five two eight nine.

utterance: OK. Five two eight nine, and what is the address where your business is established?

utterance: Hank's business is established at five seven eight five Westing House Lane, Los Angeles, California. Nine zero six zero three.

utterance: Great, and is your mailing address the same as your business address?

utterance: It is, yes.

utterance: Great, and what is the purpose of this loan?

utterance: Well, we're just trying to upbuild Hank at this point, but there is an adjacent property that I'm looking to to acquire.

utterance: So that will help me expand this business in that. that way I can hire more employees and and grow.

utterance: OK, great.

utterance: So let me just check the boxes, that it are for this. So expand business. Expand property.

utterance: And expand Hank, yes.

utterance: And ex~

utterance: And expand payroll.

utterance: Meaning more hires. OK. and what is the amount that you'd like to apply for?

utterance: We're gonna apply for one hundred thousand.

utterance: One hundred thousand. OK, and just to let you know, if you're approved you will be required to put a down payment down between five to twenty percent.

utterance: OK.

utterance: How much would you like to put down?

utterance: Let's put ten percent.

utterance: Very good. All right, and because you are a Business Total Checking customer if you are approved, we can have that deposited right into that account. Would that be all right?

utterance: That'd be perfect.

utterance: Great. Well that's everything on my end. You'll hear back from us within seven business days. Anything else I can do for you today, sir?

utterance: No, ma'am. You've been a great help.

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

utterance: Thank you.


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

utterance: Hi. I'm Michael Bay. I can't be Michael Mahollow.

utterance: Hello Michael. How are you today?

utterance: What can I help you with?

utterance: Oh I'm I'm doing fine. I I was trying to get a bank statement today.

utterance: OK. I can definitely help you with that. Michael, what is your last name?

utterance: Michael Troy Bonnerville.

utterance: Michael Troy Bonnerville.

utterance: Yeah.

utterance: All right. Well great. Well Michael. There is a four digit PIN that is associated with your Intellibank account.

utterance: OK.

utterance: What is that four digit PIN sir?

utterance: OK. Four three six nine.

utterance: Four three six nine. Great. All right. Just give me one moment Michael while this this pulls up.

utterance: OK.

utterance: All right. So I'm looking at it now. What is your date of birth. Verify that for me please Michael.

utterance: OK. My birthday is eleven fourteen eighty-five.

utterance: Eleven fourteen eighty-five.

utterance: Yes.

utterance: Great.

utterance: Mhm.

utterance: All right. Well I'm seeing a few accounts here Michael. So I want to make sure that I'm pulling up the information for the correct account. What is the account number that you are needing the bank statement from?

utterance: OK. Hold on a second. OK. two three six nine eight four nine three seven oh nine B S.

utterance: Seven oh nine B S. OK. I see that one here. And that's actually your Diamond checking account. So congratulations for staying with us for so long and staying in business.

utterance: I don't know how I've done it but you guys are amazing.

utterance: Oh thank you so much. We do our best. So now with this bank statement that we're going to be sending to you Michael would you prefer to be sent to you through the mail or would you like an email?

utterance: No no no no no. Online. Online.

utterance: OK. Gonna keep it online. All right. So when we send these. Bank statements through email. Just keep in mind this is a secure email so you don't have to worry about your information being hacked. While at the same time the PDF file that we'll be attaching.

utterance: I would hope so.

utterance: You know do you

utterance: Use Tinder? Last time I was using Tinder they got into my account. And boy were they swiping left and right and right and left. I. You know. I'd hate for them to get into this account. Because who knows, they'll swipe my money right into their account. Get it?

utterance: I got it. I got the swipe. Yeah, I got that. I'm really curious about the Tinder stuff but I'm gonna I'm gonna keep my questions to myself. So what I do want to ask is what is the range for your bank statement that you would like. Is it one one week? Two months?

utterance: Give me.

utterance: A.

utterance: Year?

utterance: Give me one year.

utterance: One year? OK. All right. One year on the bank statement and just give me one second to get that information entered in. And just just so you know this there's a one time charge for sending this bank statement your way. Twenty dollars. It can be billed directly directly to your account.

utterance: Yes.

utterance: Do you want

utterance: My credit card right now or how do you want to do this?

utterance: we can take credit card or we can bill it directly from the account that I'm that I'm pulling the bank statement from.

utterance: let me think here. yeah let's go ahead and bill it from the account, that'll make things really easier.

utterance: OK. Bill from the account. OK, great.

utterance: Yeah.

utterance: You know. I mean we could make it. I figured, you know, let's just make it easy.

utterance: Right. OK. So all that information will be included in the email that I'm about to send you as well as our links to our website and our mobile banking app. So any questions that you have regarding your accounts going forward, you can get those questions answered through our help desk, through our website or the mobile app.

utterance: OK.

utterance: All right. Just give me one more moment while I complete all this information and have this placed in your email. Is there anything else that I can help you out with today Michael?

utterance: Mm,

utterance: I think that's about. How's the weather?

utterance: It's good. It's good. Sunny but not too hot.

utterance: All right. Well, you know, it's it's still chilly over here but you know.

utterance: Winter is here.

utterance: It's coming.

utterance: Yeah.

utterance: So you got everything you need here? Are we done?

utterance: I do Michael. You should have your email now with your bank statement included.

utterance: OK.

utterance: All right. Appreciate it.

utterance: Thank you. Have a great day.

utterance: All right. Thank you. You too.

utterance: Bye.


utterance: Hi, this is Danny Brooks at Intellibanking. How can I help you today?

utterance: Hi, my name is Tillerman. And the reason for my call is I I've been banking with Intellibank for a few years now I have my checking and savings account with you. I also have a gold card. and I've gotten loans from you in the past. It's been it's been a great experience so far but one thing I'm interested in is getting in contact with a financial advisor. I'd love to set up a meeting with the financial advisor. And I'd love to just go over my account. And I just have a number of questions for a financial advisor.

utterance: OK. I can get you set up with that right now. can I start by getting your full name and your date of birth?

utterance: Yes. So Tillerman.

utterance: OK. And that's with two L's.

utterance: Yes.

utterance: Tollerman. OK.

utterance: Tillerman Capone.

utterance: Capone. And is that C A P O N E?

utterance: Yes.

utterance: OK. Great. And your birth date?

utterance: Yes. So it's two three ninety-five.

utterance: Two three nineteen ninety-five. OK. Great. So I'm gonna go ahead and pull up your account. can I get your credit card number please?

utterance: Absolutely. It's fourteen thirty-six forty-one fifty-four nineteen eight four fifteen sixteen.

utterance: OK. So that's fourteen thirty-six forty-one fifty-four nineteen eighty-four fifteen sixteen.

utterance: Yes.

utterance: OK. Great. So before we can proceed I just need to verify some account information for security reasons.

utterance: Sure. Whatever you have to ask.

utterance: OK. Can I get your pin, please?

utterance: Yeah, hold on. Let me I have it written down somewhere. It's zero two two nine.

utterance: Zero two two nine. OK. Great. And I'm just go ahead and ask you a security question. You you might recall that you set this up when you created your account.

utterance: Absolutely. Whatever you need to know.

utterance: OK. What is the name of your first pet?

utterance: Stacy.

utterance: Stacy. And is that Stacy with an E or just a Y?

utterance: With a Y. Stacy with a Y.

utterance: OK. Great. and so I'm gonna pull up your account right now. One moment. OK. Great. Yes, like you said, it looks like you have been with us for quite a while now and you've utilized some of our opportunities, such as loans and credit cards. so today you were just looking to speak with a financial advisor?

utterance: Yes.

utterance: OK. Great. Let me get that started for you. Did you have a specific date that you wanted this conversation to happen?

utterance: the sooner the better. are you a financial advisor? Could we do this right now?

utterance: I am not a financial advisor but I'm more than happy to set you up with a meeting with one.

utterance: Oh.

utterance: You sound like a financial advisor.

utterance: Well, maybe that'll be the next step for me.

utterance: OK. All right. Maybe maybe next time I call you'll be you'll be the financial advisor.

utterance: Fingers' crossed.

utterance: So yeah I'd like tomorrow. Is there any availability tomorrow?

utterance: let me check. One moment. OK. So we do have a few times. We have twelve thirty p.m. and three thirty p.m. and then we have one at three forty-five p.m..

utterance: There's nothing earlier? I'm I'm more of a early bird gets the worm type of guy.

utterance: No unfortunately tomorrow the earliest is twelve thirty.

utterance: Ooh. Ooh. How about the following day?

utterance: Kay. Just let me check. One moment. OK. So for that day, we do have one available at nine a.m.. Does that work?

utterance: Nine a.m.. Yeah, we can do nine a.m.. six thirty a.m. would be better, but I get it. It's kind of kinda early.

utterance: OK great.

utterance: We're

utterance: We're not open at that time, unfortunately. Yeah, we open at eight.

utterance: Oh, you're not? You're not?

utterance: Oh. OK. All right. All right. So we can do we can do nine nine or nine thirty you said.

utterance: it's nine. So I can go ahead and put you in the system for nine and it looks like Bob Ross is gonna be on at that time. So he's one of our best financial advisors. So you'll have that to look forward to. What

utterance: Bob Ross.

utterance: Yeah Would you ? what way would you like to be contacted? Would you like to be advised through email, phone?

utterance: Oh.

utterance: I want prefer phone.

utterance: OK. So I'll have him give you a call at nine a.m. tomorrow.

utterance: Yeah. Call, no text.

utterance: I don't I don't I'm not big on the texting.

utterance: OK great. Yes. He will be giving you a phone call at that time.

utterance: Yeah.

utterance: No tweets,

utterance: No no texting, just calls.

utterance: OK. Sounds good. It will be a phone call at nine a.m.. And is there anything else that I can help you with?

utterance: That's it.

utterance: OK. Great. Well, you have a good day.

utterance: Thank you.


utterance: Thank you for calling Intellibank. This is Calisy speaking. How may I assist you?

utterance: Yeah. Hi Calisy.

utterance: Wow. I totally just started dialing and forgot what I did. Yeah, calling Intellibank what what I forgot I forgot my car keys this morning. I forgot to bring my lunch to work. And I gotta spend money on lunch at work. And I hate that. Just really stock piles up. You know? I'm trying to trying to save money you think it's not a big deal like oh ten dollars here twenty, dollars here, thirty dollars here. And at the end of the year you're like I spent thousands on lunch. but.

utterance: Oh, wow.

utterance: Oh, wow.

utterance: Yeah.

utterance: Well how may I help you today, sir?

utterance: OK, well speaking of, because clearly I'm not doing it right.

utterance: I wanted to schedule an appointment with one of the financial advisors you have. I saw that as a feature on your website that you have those now. Is that is that new?

utterance: no sir. That's that's not new. We've actually had that for a very long time. but I'd be very happy to help you schedule an appointment with a financial advisor.

utterance: Please. Let's get that going.

utterance: Let us get that going. OK. may I please have your first name?

utterance: Yeah. My name's Trent.

utterance: Thank you, Trent. And may I have your last name please.

utterance: Trent Anderson.

utterance: OK. Thank you Trent. And may I please have your date of birth?

utterance: Date of birth is August twenty-second nineteen seventy-nine.

utterance: Perfect. And Trent, can I please have your ID number meaning either a passport or driver's license number?

utterance: Oh, OK. That's six eight seven one five two four nine three eight six six two one zero zero.

utterance: OK. And for security purposes can you answer two of our security questions? What what was the name of your first crush?

utterance: Oh Alyssa Milano.

utterance: Oh, wow. OK. Yep that's it. And what is the name of your paternal grandmother?

utterance: Yeah.

utterance: Agnes.

utterance: Thank you. OK. We are in. So Trent, let's go ahead and schedule your financial advisor date.

utterance: Great.

utterance: How about OK. we're not open we're not free until next week. We're we're free on Monday. does sometime on is does Monday work for you?

utterance: Yeah as long as it's in the afternoon.

utterance: OK. I see here that we have available appointments at one thirty and at three ten. Do either of those times work for you?

utterance: Three ten for sure.

utterance: OK. Three ten next Monday the seventh.

utterance: Sounds great. Now did you. We we have appointments in person and Oh, I'm sorry. Or on the phone. Which do you prefer?

utterance: I would just keep it on the phone.

utterance: OK.

utterance: So next Monday at three ten I'm gonna put you down with Lawrence.

utterance: that sounds great. did you Trent, did you have any other questions?

utterance: Well is Bank a Tel gonna call me directly?

utterance: Like they'll call me?

utterance: I'm I'm sorry who?

utterance: Bank a Tel?

utterance: Oh, you mean Intellibank.

utterance: You guys are Intellibank?

utterance: Yes, sir. Intellibank.

utterance: Wow. I think I say that wrong a lot. yeah they're gonna call me right. I don't call them?

utterance: Yes, sir. We we will give you a phone call. And the number we that have on file for you is eight one eight two six two eighty-seven four three? Is that correct?

utterance: That is correct.

utterance: Excellent. Excellent. was there anything else that I may be able assist you with today, sir?

utterance: Yes, well I know I can do this on my own time but since I have you on the phone do you have access to looking up the stock market right now?

utterance: I do. if you just give me one moment I'll go ahead and pull that up.

utterance: Sure.

utterance: OK, sir. I am on. what was there a particular stock you were interested in?

utterance: Yeah well the the stock symbol. It's probably easier to look that up like that, right?

utterance: Yes, sir.

utterance: Cuz I think I mess that name up sometimes too. It's it's DLR.

utterance: Like D as in dog L as in Larry R as in rat.

utterance: OK.

utterance: So that's for downloadable records.

utterance: Yes. Yes

utterance: OK.

utterance: I see it. yes, sir. you have questions about downloadable records?

utterance: I wanted to know the stock quote. Like what's it selling at right now?

utterance: Well per share it's at one hundred and forty dollars.

utterance: Oh. I think that's up from the last quarter.

utterance: Mhm.

utterance: It it actually just went up this morning.

utterance: Great.

utterance: twenty-seven cents, which is a lot.

utterance: Yeah for stocks.

utterance: Good stock to have.

utterance: OK. Well thank you. That's all I needed. Thanks for the. I got that appointment setup and yeah that's all.

utterance: Oh, you're very welcome Trent. Well if there's nothing else that I'm able to assist you with today I thank you for calling Intellibank. You have a lovely day.

utterance: Thank you. you have yourself a great day too.

utterance: Thank you. Goodbye.

utterance: Bye bye.


utterance: Hi thank you for calling Intellibank my name is Ginger how may I assist you today?

utterance: Hi Ginger how are you doing today?

utterance: I'm doing quite well ma'am thank you so much for asking. How bout yourself?

utterance: I'm doing great thank you so much. the reason that I'm calling Intel Bank this morning is I need to schedule a credit card payment.

utterance: All right ma'am I'd be more than happy to assist you with that. But real quick now I know there is also an intel bank out there but we are Intellibank. I just wanna make sure you're calling the correct bank.

utterance: Oh my goodness did I say intel bank? I'm so sorry. Intellibank is exactly where I needed to call.

utterance: All right ma'am that's that's not a problem whatsoever I just wanted to make sure. All right you needed to schedule a credit card payment?

utterance: Yes ma'am that is correct.

utterance: All right may I have your name please?

utterance: Sure this is Candice. C A N D I C E Vasquez V A S Q U E Z.

utterance: Thank you so much ma'am and may I also have your date of birth please?

utterance: Sure my birthday is August the twenty-third nineteen seventy-seven.

utterance: All right ma'am August the twenty-third nineteen seventy-seven. And may I have your pin number please?

utterance: Sure Oh my goodness Ginger I am so sorry would you mind holding for just a second? I thought I had the PIN number right here in front of me, but I think I left it on my desk.

utterance: All right ma'am that's not a problem whatsoever just let me know when your back.

utterance: OK thank you. OK Ginger you still there?

utterance: Yes ma'am I certainly am. Were you able to find your pin number?

utterance: Yeah it is two zero eight two six zero seven seven.

utterance: Thank you so much I have two zero eight two six zero seven seven.

utterance: Yes ma'am that is correct.

utterance: Thank ya. And may I have the credit card number that you'd like to make the payment for?

utterance: Yeah the credit card number is four five three nine four five four four three six seven three nine one six four.

utterance: Thank you so much Ms. Vasquez. That was four five three nine four five four four three six seven three nine one six four?

utterance: Yes ma'am that is correct.

utterance: Thank you so much and what is the amount that you'd like to pay?

utterance: five hundred and one dollars and ninety-seven cents.

utterance: All right five oh one ninety-seven. And may I have the routing number that you would like the payment to be withdrawn from?

utterance: Absolutely that would be two nine seven zero two four three eight six.

utterance: Thank you ma'am that's two nine seven zero two four three eight six?

utterance: Yes ma'am.

utterance: Thank ya and may I have the account number please?

utterance: Sure the account number will be five six five eight seven six two three seven four.

utterance: Thank you ma'am I have that as five six five eight seven six two three seven four.

utterance: Yes ma'am.

utterance: Thank ya and what would you like the payment date to be?

utterance: On the nineteenth of November please.

utterance: All right ma'am on November the nineteenth.

utterance: That is correct.

utterance: All right well I do have that scheduled for you Ms. Vasquez. Was there anything else I can assist you with today?

utterance: Yeah Ginger actually I have one more that I need to make a payment on.

utterance: All right and may I have that credit card number please?

utterance: Sure it is four five three nine seven three six four four one eight seven six two zero nine.

utterance: All right that was five I'm sorry four five three nine seven three six four four one eight seven six two zero nine?

utterance: Yes ma'am that is correct.

utterance: Thank ya and how much will the payment on this one be?

utterance: This one will be eight thousand two hundred nineteen dollars and thirty-six cents.

utterance: All right eight thousand two hundred nineteen thirty-six.

utterance: Yes ma'am that is correct.

utterance: Thank ya and may I have the routing number that you would like the payment to come from?

utterance: Sure it's actually the same account numbers that I just gave you. The routing was two nine seven zero two four three eight six.

utterance: Thank you ma'am. That was two nine seven zero two four three eight six?

utterance: Yes ma'am.

utterance: Thank ya. And that account number just to verify. That was five six five eight seven six two three seven four?

utterance: Yes ma'am.

utterance: Thank ya and what date would you like this payment to go through?

utterance: Also on the nineteenth please.

utterance: All right on the nineteenth of November.

utterance: Yes ma'am.

utterance: And thank you so much I do have this one scheduled for you as well Ms. Vasquez. Is there anything else I can assist you with today?

utterance: No ma'am that'll be all and thank you so much for your help.

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


utterance: Thank you for calling Intellibank, my name is Valerie. How may I assist you in providing outstanding customer service?

utterance: Hi I need to get the consumer price index of a certain type of inventory that I'm thinking of selling.

utterance: All right. I'd be happy to help you with that this evening. May I ask who I'm speaking to tonight?

utterance: yes my name is Sharon Teplinsky.

utterance: Can you spell that for me please?

utterance: T E P L I N S K Y.

utterance: OK, great. All right and may I call you Sharon?

utterance: You may.

utterance: Thank you Sharon. How are you doing tonight?

utterance: I've been better how have you how are you doing?

utterance: Well I'm doing great. hopefully whatever we talk about tonight will make your day a little bit better.

utterance: I just have this cold that I can't shake.

utterance: Oh, I'm sorry to hear that. I hope it's just a cold and nothing serious.

utterance: I hope so too, I've been to the doctor and they gave me an antibiotic but it just seems to be lingering for like a month already.

utterance: Well I'm sorry to hear that. Well listen as long as you still have your sense you're OK, right?

utterance: Actually I don't have a sense of taste and that's what I that's why I called cause I really miss tasting stuff and so I think I'm gonna open a cookie factory.

utterance: Well that sounds like fun but you might wanna go get tested if you don't mind me saying so for.

utterance: covid?

utterance: Well yeah a sense of, yeah a loss.

utterance: Well.

utterance: I already had it and I have the vaccine so I think it's just long you know side effects.

utterance: Oh OK. OK.

utterance: Long term, OK.

utterance: Well knock on wood glad to hear that you're doing better overall.

utterance: Yes. Can you hold on one moment, please? I I have to get my credit card out. I need to ask you another question.

utterance: Mm, certainly.

utterance: OK, I'm back.

utterance: OK, great. I'm still here.

utterance: Yeah so I'm curious like Mrs. Fields you know she's a huge conglomerate in the cookie world and so I'd like to know what she made in the last quarter of this year. And I'd like to know if I give you different ingredients of cookies how how much that would go far. Like the cost of flour, the the cost of chocolate chips. The cost of butterscotch extract and oatmeal to start with.

utterance: All right. Well happy to help you as best I can Sharon. while I can not provide you specific information about Mrs. Field. I can provide you information about baked goods and desserts. I it it would be more of a category if you wanted to know something specific about a company. That would be I would either direct you towards the company or just overall research online.

utterance: that's OK, I can do that for myself. Perhaps you can just give me information on the cost of flour and the rise and fall of the cost of flour in the past quarter compared to the quarter before that.

utterance: All right and do know that I can I can provide you information about the about the about baked good in general. And as far as specific costs about flour and what not.

utterance: Like I.

utterance: I think you have a book there of the cost of goods in food. I've seen it online just like general information about like flour. How much flour is per pound in a general very very general sense.

utterance: OK well I'll do my best for you here All right so. We're not looking up baked good in general but we're looking up like prices of flour. It looks like.

utterance: And by the time period are we talking about over a one year period?

utterance: yes just the fluctuations in over a one year period.

utterance: Got it. All right so it looks like. I actually I can two things I have chocolate and I have flour that first pop up.

utterance: Yes. And you can just email those figures to me. You don't have to tell me over the phone.

utterance: OK. Well I can actually. I can do both. It's for flour it looks like the value is up fourteen percent. And for chocolate it looks like it's seven percent. But I also just sent this information to the email that we have on file for you. Did you have any other questions o~

utterance: Yeah. Can you

utterance: Can you just verify

utterance: My email address you have on file?

utterance: Certainly. It's your first and last name at Gmail dot com?

utterance: That's right.

utterance: OK great. Anything else I can do for you today?

utterance: No that's it. You've been wonderful, thank you.

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


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

utterance: How you doing Jerry? I'd like to make a payment on my credit card.

utterance: Certainly. Be glad to assist you with that.

utterance: And I'll just need to pull up your account information so that we can handle that request for you. If I could ask what's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman if I could ask what's the name of the business that has an account with us on file?

utterance: Ray's Construction Company.

utterance: All right. And Mr. Freeman I gonna ask you a few questions here in order to verify your account.

utterance: Here at Intellibank we do take your account information very seriously and of course your account security. And we do this in order to protect you and your businesses interest. Mr. Freeman is it all right if I ask you a few questions?

utterance: Sure go ahead.

utterance: All right.

utterance: First question here Mr. Freeman is what is your business address?

utterance: My business address is three six eight eight Layman Court Smyrna Georgia three zero zero eight oh.

utterance: All right. And hopefully everything's is all right there Mr. Freeman?

utterance: Yes. Throat got a little clogged up but I'm good sir.

utterance: All right. Terrific. Terrific.

utterance: And I know that the change of weather is maybe getting to us a little bit. I know that I was talking to a coworker and she of course was feeling a little under the weather so it you know is is that time of year.

utterance: Yeah it is is that the case yeah.

utterance: Indeed. Indeed. Now Mr. Freeman if I can ask what is your date of birth?

utterance: three twenty-six nineteen seventy and my phone number is seven seven zero two two zero five eight five nine.

utterance: All right. Well thank you for that there Mr. Freeman. I appreciate that information. I was just gonna ask that as well.

utterance: And Mr. Freeman what is your credit card number?

utterance: That credit card is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK. And what is your PIN number?

utterance: That PIN number is one seven nine five.

utterance: OK. Thank you for that Mr. Freeman. As I pull up your account information and I was able to verify your account.

utterance: And this is for your business gold card with us.

utterance: Yes sir.

utterance: All right and Mr. Freeman let me just ask you mentioned that you wanted to make a payment on the credit card.

utterance: What's the amount that you wanted to make a payment for?

utterance: thirteen thousand five hundred.

utterance: OK. And when did you wanna make that payment?

utterance: Oh, I'd like to make the payment next week. Thursday of next week.

utterance: OK. Next Thursday?

utterance: Yeah next Thursday of next week yeah.

utterance: OK. And Mr. Freeman if I could ask what is the routing number for the account that you want to make a payment from?

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

utterance: All right and would you mind repeating that?

utterance: Six nine five eight seven nine eight nine seven.

utterance: All right. And Mr. Freeman what is the account number that you wish to make a payment from?

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

utterance: OK. Thank you for that Mr. Freeman. And I believe we have this request input into the system for a payment of thirteen thousand five hundred for next Thursday which which would be November the eighteenth. And that is from the accounts that you have just provided with the routing number and account number.

utterance: Yes. So and also what is the balance on my credit card?

utterance: Certainly. and the the balance on the card is twenty-five thousand.

utterance: Oh, thank you.

utterance: No problem. And Mr. Freeman, we were able to get this processed for you.

utterance: And that payment has been made on the account or will be made as scheduled on the account.

utterance: Oh, thank you so much. I appreciate that.

utterance: And Mr. Freeman is there anything else I can assist you with?

utterance: Hey that'd be all. you done a great job. Thank you so much.

utterance: Well Mr. Freeman we appreciate you giving us a call today and you enjoy the rest of your day.

utterance: Thank you. You too. Bye bye.

utterance: Bye.


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

utterance: Oh yeah. I had some problems with my my my camera and I've been and I have not been getting my statements.

utterance: Ok well happy to help you with that. Let me just ask, what's your name sir?

utterance: Bedrew Freeman.

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

utterance: Ray's Construction Company and see the the other reason I'm calling the I haven't been getting my statements and the camera's down and I just need another way of getting this getting this information because I don't like the situation right now cuz I don't barely know exactly where the numbers at and I really need to know where they're at.

utterance: More than happy to assist you with that Mr. Freeman. Let me just we definitely will be able to assist you here today. Let . just for account security purposes I need to ask a few questions. first of all what is your date of birth?

utterance: Three twenty-six seventy.

utterance: Ok and if you would provide the phone number there for Ray's Construction mister Freeman.

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

utterance: Alright, thank you for that and if you would let me know, what is the pin number that you have for your account there for Ray's Construction.

utterance: One seven zero nine.

utterance: Terrific one seven zero nine you said there mister Freeman.

utterance: Yes sir one seven zero nine.

utterance: Awesome. Now I was able to pull up your account there mister Freeman and I fully understand your concern about the fact that you've had some issues with receiving your statement. What I might suggest we might be able to change it so that you can receive paperless statements sent to your email instead of having the statements mailed to your address. Does that sound like an option for you?

utterance: That sound very good. That sound like what I need.

utterance: Terrific well in order for me to change the statement being sent to mail and instead sending it to email, what I'm just gonna need for you to provide me is an email address that you'd like all of your statements sent to moving forward, what is the email address?

utterance: B Freeman at Ray's Construction dot com.

utterance: Ok I'll repeat that that is B Freeman at Ray's Construction dot com, is that correct?

utterance: That's correct.

utterance: Terrific let me see if I can get this updated here for you. And while I'm doing that mister Freeman, how's the day going?

utterance: Oh I can't complain with that the day's been wonderful. I just have some unfinished business that I didn't get taken care of. You know that help me get through my day.

utterance: Fully understand that I know of course you're a busy man and we certainly want to make sure we get this done for you as quickly as possible. When it come to a busy day, I fully understand as well. We've had quite quite a number of calls today but again certainly happy to talk to all of our customers here at Intellibank.

utterance: Oh thank you. I always looking forward to getting this done and I'm glad you're here to take care of it for me.

utterance: Well mister Freeman we were actually able to get that taken care of for you. And I've gone ahead and updated you statement being sent now paperless. So it'll be sent directly to B Freeman at Ray's Construction dot com and you will no longer receive statements by mail. Of course if you ever need to change that that's obviously something you can easily do by simply giving us a call here at the help line.

utterance: Ok thank you so tell me this will you always be around the third of the month? That the that the email will come?

utterance: Yes you it'll be on the third of the month or you can change the statement date based off if you of course notify our underwriting department.

utterance: Alright that that sounds good, that sounds good, I can work with that. You know cuz the story of mine is is was good time, a lot of time we are getting some things come into play. So I need that's a whole other level stuff that's coming in so won't everything be I can go do it all the same time. So the third will be just fine, I really appreciate that.

utterance: No problem at all and if I may I ask mister Freeman, is there anything else I can assist you with?

utterance: No I just want to extend how I really appreciate your patience and your and your time taken out with me let me get this straightened out. I know it's your job but I really appreciate and just want to say thank you. For what you're doing, thank you.

utterance: Wow well thank you mister Freeman for your business and we certainly it was my pleasure. And certainly do look forward to being able to assist you in the future.

utterance: Why thank you very much.

utterance: You have a great day.

utterance: And you too.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: I need to apply for a term loan and also get the consumer price index for for the US

utterance: Alright, I can certainly help you with both of those. let me go ahead and pull up the term loan application and I will get some information from you.

utterance: OK.

utterance: Alright, can I have your name and date of birth please?

utterance: Dan Thomas T H O M A S. date if birth is May twelfth nineteen sixty-one.

utterance: Thank you, and your home address?

utterance: Thirty-six Esmont Lane Canyon Country, California nine one three eight seven.

utterance: Thank you and your social security number?

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

utterance: All right, that's three nine five two six eight zero one one?

utterance: That's right.

utterance: Great. and then your driver's license number and the state it was issued in?

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

utterance: OK.

utterance: OK, let me read that back for you. That's O M five three D H or D V H A, sorry, I Q nine?

utterance: That's correct.

utterance: OK, thank you. And you said that was for California?

utterance: Yes.

utterance: Thank you, and then can I get your ID or your pin number please?

utterance: One zero six two.

utterance: Thank you, and then I will just need a good email address for you.

utterance: Thomas Castens at Gmail dot com.

utterance: All right, thank you very much for that. And then these next questions will be for your business. can I have the name of the business please?

utterance: Thomas Casten Cabinets.

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

utterance: Yes sir.

utterance: And when was that business established?

utterance: July two thousand nine.

utterance: And do you know which day that in July of that year?

utterance: seventh.

utterance: OK, July seventh two thousand nine?

utterance: Yes.

utterance: Thank you. And the gross annual sales for your business?

utterance: Four hundred thousand.

utterance: Thank you. And the tax ID number for the business?

utterance: hang on, let me look it up.

utterance: No problem.

utterance: OK, I've got it.

utterance: All right, whenever you're ready.

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

utterance: OK, let me read that back. That's four five six, eight two four five three one, is that correct?

utterance: That's correct.

utterance: Great. And then what is the address for your business Mr. Thomas?

utterance: seventy-six Sunbeam drive, Canyon Country, California nine one three eight seven.

utterance: Great, thank you very much. And where would you like us to mail any documents related to this loan?

utterance: My business address.

utterance: All right, and can I have you verify that address one more time for me?

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

utterance: All right. Thank you very much. And then, what amount of the loan were you looking to apply for?

utterance: Fifty thousand.

utterance: OK, and the purpose of the loan?

utterance: I need to get some more inventory.

utterance: All right, and then what term were looking for on this loan?

utterance: Thirty-six months.

utterance: OK, so I have a thirty-six month loan for inventory purchases in the amount of forty thousand?

utterance: Yes.

utterance: OK, I will go ahead and get that application submitted for you. And then you will receive a letter in the mail outlining which business documentation we need and then as soon as you submit that, we will get back to you with the results of your application.

utterance: All right, that sounds great.

utterance: All right, and then you can submit those documents either by mail or fax or you can upload them through the online banking portal.

utterance: OK.

utterance: All right sir, and then you also wanted to check the United States consumer price index?

utterance: Yes.

utterance: All right, I can do that for you. Let me just switch screens. OK, and which category were you wanting to check?

utterance: The energy category.

utterance: All right, and what time period?

utterance: last year.

utterance: OK, the consumer price index for the United States for the year twenty twenty for the energy category was, twenty-eight point seven percent.

utterance: OK.

utterance: All right sir, and is there anything else that I can assist you with today?

utterance: I can't think of anything.

utterance: All right, well again just be on the lookout for that letter in the mail outlining which documentation we need, and if there's nothing else that I can assist you with, then you have a fantastic afternoon.

utterance: All right, you too as well.

utterance: Thank you. Goodbye.

utterance: Bye bye.


utterance: Hi. Thank you for calling Intellibank. This is Gina speaking, and how may I assist you today?

utterance: Hi Gina. How are you feeling today?

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

utterance: Oh, I'm doing well thank you. the reason I am calling is to see if I could check what my balance is, or what the balance due is on my credit card.

utterance: Well, I'd be more than happy to check in to that for you today, ma'am. May I have your name please?

utterance: Oh, sure. This is Ashley. A S H L E Y, and my last name is Wright. W R I G H T.

utterance: Thank you, Miss Wright. I have your first name as Ashley. A S H L E Y. And your last name as Wright. W R I G H T.

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

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

utterance: Sure. My birthday is April the twenty-fifth nineteen sixty-seven.

utterance: Thank you ma'am. I have April the twenty-fifth nineteen sixty-seven.

utterance: Yes, ma'am.

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

utterance: sure. Actually, Gina, I just changed that yesterday and I'm not very good at remembering numbers, and what it seems like I have done is I wrote my new PIN number down on the same piece of paper that my old PIN number was written down on and embarrassingly I don't know which is which. Would it be OK if I gave them both to you?

utterance: Yes, ma'am. That is not a problem whatsoever.

utterance: OK. Thank you. I have three eight three one zero four one two and then I have eight nine nine five six one two four. I'm pretty sure that that first one is my new one, but again, I'm not completely positive.

utterance: All right, ma'am. Just to clarify, the first one that you did give me, that is your correct current PIN number, which was three eight three one zero four one two.

utterance: All right. Thank you so much, Jenna.

utterance: Yes, ma'am. And may I have the number of the credit card that you'd like the balance for?

utterance: yes. I'm so sorry Gina. I don't have that information right here in front of me apparently. Would you mind holding just for a second and let me go and grab that?

utterance: That's not a problem whatsoever, Miss Wright, just let me know when you're back.

utterance: OK, Gina. Thank you.

utterance: Yes, ma'am.

utterance: OK, Gina, are you still there?

utterance: Yes, ma'am. I sure am. Were you able to locate your credit card number?

utterance: Yeah. Yeah, I was, and again, I'm sorry about that.

utterance: That's quite all right, ma'am.

utterance: OK. thank you. the number. Let's see. This is for my Intellibank business platinum card. The number is five three one nine two three three nine three three nine six four zero two seven.

utterance: Thank you. I have that number as five three one nine two three three nine three three nine six four zero two seven.

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

utterance: Thank you. Let's see. The balance for that one, Miss Wright, would be thirteen thousand one hundred fifty-eight dollars and twenty-seven cents.

utterance: All right so thirteen one fifty-eight twenty-seven?

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

utterance: Thank you. And, could you check my second platinum card for me?

utterance: I'd be more than happy to, Miss Wright. May I have that credit card number, please?

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

utterance: Thank you, ma'am. I have five two eight three four eight one one seven six two one one five six nine.

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

utterance: Thank you so much. All right, Miss Wright. I'm showing that the balance due on this card would be eleven thousand four hundred eighty-one dollars and sixty-two cents.

utterance: Eleven four eighty-one sixty-two?

utterance: That is absolutely correct, Miss Wright.

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

utterance: And thank you for calling, Miss Wright. Was there anything else that I could assist you with today?

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

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


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

utterance: Yes. This is Marcia Stevens.

utterance: OK. Miss Stevens.

utterance: I'm back again.

utterance: I see.

utterance: Can I get your date of birth?

utterance: One one nineteen sixty.

utterance: OK. You got a birthday coming up.

utterance: Oh, yeah.

utterance: And for security purpose, can I get the email address on file?

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

utterance: And also for security purpose, can I get your state ID and driver's license.

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

utterance: Mm right. And how you doing today?

utterance: I'm doing great.

utterance: That's good. How can I help you today?

utterance: Yes. I want to do a loan for real estate.

utterance: OK. Will this be residential or commercial?

utterance: It'd be commercial, a small warehouse.

utterance: Mhm.

utterance: OK, and this is for your business.

utterance: Yes. Tina Incorporated.

utterance: OK. All right, and this, where you're purchasing the. Or need the loan, where is the warehouse located?

utterance: it's located at twenty-three, west. East of New York in in the industrial district.

utterance: OK. OK. All right, and how much are they looking for?

utterance: it's a small warehouse, so they looking for about one.

utterance: OK.

utterance: About one ten.

utterance: OK. And how much do you wanna make this loan for?

utterance: I wanna make it for probably fifty-five, fifty-five.

utterance: Fifty-five thousand?

utterance: Yes.

utterance: OK. All right, and I will have to tell you that that with commercial loans, the interest rate is higher.

utterance: Oh, OK.

utterance: higher.

utterance: How much

utterance: Higher?

utterance: let's see. Looking at it right now, here's your rate, fifteen percent.

utterance: Mkay.

utterance: Fifteen percent. I mean, you've done eight to twelve percent before.

utterance: OK.

utterance: Mkay. Now, does it. Is it matter if you pay it off sooner? I mean, what?

utterance: with most commercial loans, they take about five, no more than twenty years to pay off. whereas, you know, residential, you have thirty and maybe.

utterance: Mkay.

utterance: Right.

utterance: Fifty years on it. but this one, looking at your history on here, you should be well on your way. You should be able to handle this.

utterance: Mkay.

utterance: OK.

utterance: Do you know how much you made annually last year?

utterance: probably two, two hundred thou.

utterance: Two hundred thou?

utterance: Yeah.

utterance: OK. yeah. Yeah, you. If you have something saved, you you should be.

utterance: Right.

utterance: OK with that.

utterance: Exactly.

utterance: That's why I'm asking for half.

utterance: Yeah, that's. That's no problem. That's no problem. OK. We got your finance. I'm trying to look at the credit score. It seem like it climbed up. You were in the six hundreds. Now you're starting to be in the seven hundreds.

utterance: OK, good. Great.

utterance: but they probably will do another credit check on you. So don't quote me on that.

utterance: OK.

utterance: All righty.

utterance: Well, you know with some of these places, whoever they assign for the credit report, they might wanna take you down a point or two or boost you up.

utterance: Right.

utterance: do you have any outstanding debts?

utterance: No.

utterance: No?

utterance: No.

utterance: OK. All right, and for collateral and liquidation purposes, do you have anything of value?

utterance: the building I own now. And the trucks. Um.

utterance: Building.

utterance: Building.

utterance: Trucks.

utterance: All right. And you say you did two hundred K last year.

utterance: Yes.

utterance: And if you had to estimate for this year,

utterance: How long it'd take me to pay it off?

utterance: No. I was gonna ask, how much do you think you you made this year, by the end of this year?

utterance: By the end of this year? probably a little bit more over than last.

utterance: A little bit more, OK.

utterance: Like two five.

utterance: OK. All right. And now are they asking for a down payment?

utterance: yes, they are.

utterance: How much?

utterance: probably a third maybe or.

utterance: A third?

utterance: Yeah.

utterance: Of a hundred thousand?

utterance: Yeah.

utterance: OK. OK. All right, I can get this in for you. All right. And can I get the business PIN?

utterance: Yes. It's four eight seven two.

utterance: And also the tax ID.

utterance: Yes. It's two three six seven nine zero.

utterance: All right. All right, and I have put in your application for the real estate loan. Give it about a week.

utterance: OK.

utterance: they'll look over some stuff. And if you need anything to add to it, they'll let you know by email or by the app. You still have the app, right?

utterance: Yes, of

utterance: Course, yes.

utterance: OK.

utterance: just keep a eye on that. But everything seems to be put together for you pretty well.

utterance: OK.

utterance: All right.

utterance: All righty.

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

utterance: Oh, no.

utterance: That's about it. And if they need any papers or anything, I I'd be glad to.

utterance: Yeah, just just make sure you keep your eye on your email, and if they need anything you can use the app.

utterance: They're gonna. They'll let

utterance: Me know. Right.

utterance: Yeah.

utterance: And you can use the app or email them directly. OK?

utterance: OK. Great. Perfect.

utterance: All righty. Well, you have a lovely day.

utterance: And you too.

utterance: And all right, thank you for calling Intellibank.

utterance: All righty. Bye.

utterance: Bye bye.


utterance: Hi. My name is Jackson. Thanks for calling Intellibank customer service. How can I help you?

utterance: Hey Jackson, I would like to change my PIN and I I thought I'd update that guy and then I want to talk about some some loans that you guys can offer me, maybe like a term loan or something. so I could need a little more capital for my business. yeah.

utterance: Absolutely, I think we can handle these these problems with you one by one. Let's go ahead and start with that PIN change. in order to do so, I'm going to have to log into your account and I'll need to ask some personal information to verify your identity. Let's start with your first name and last name.

utterance: OK. My name is Timothy Isner.

utterance: Fantastic. And is that Isner like like Mike Isner?

utterance: It is like Mike Isner, I think.

utterance: OK. All right, and let me get that date of birth from you.

utterance: April first nineteen eighty-three.

utterance: Fantastic. All right, since you will be changing your PIN I'll need the old PIN from you.

utterance: Great. Old PIN is five five four three.

utterance: Five five four three. All right, and what would you like the new PIN to be?

utterance: Six nine three six.

utterance: Fantastic. All right, so we'll go ahead and get that PIN changed for you. And going forward, you can always make these changes online. If you would like to forgo this phone conversation, there are tons of services online that you can do it. In the comfort of your own home, at your own time.

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

utterance: yeah, the term loan.

utterance: Oh, yes, of course. Sorry about that.

utterance: Yes, we can go ahead and get that started for you. I'm going to ask for some information again. Some of this might be redundant but I'll need your first name and last name.

utterance: Cool. My first name is Timothy Isner. Drivers license is D six five three four one one two. Social security is three four seven zero eight two three three two.

utterance: Oh, sorry. You're you're going a little fast there. It's going to take me a second to catch up. OK. Well, you can you repeat that social security again and I'll get that in for you.

utterance: OK, yeah, its three four seven zero eight two three three two.

utterance: Fantastic, and sorry for my slow typing, I just need to catch up with you. And drivers license number again?

utterance: It's OK.

utterance: D six five three four one one two.

utterance: And what would be the state?

utterance: California, sorry.

utterance: Fantastic. And what is your street address?

utterance: It is seven eighty-seven, North Palm Canyon Road, Cathedral City, California. Nine zero zero three eight.

utterance: Fantastic. And I know you just gave this to me, but what is your new PIN again?

utterance: It's going to be six nine three six.

utterance: Fantastic, thank you. All right. Looking at your business it looks like you will be able to apply for a loan successfully and I'm sure it will go through. I'm just going to ask a few questions about your business to get you started. Are you the sole owner?

utterance: I am.

utterance: What was your business establishment date?

utterance: It was in March twenty seventeen. March tenth twenty seventeen.

utterance: Fantastic. And, what was your gross annual sales and your tax ID?

utterance: Gross annual sales was one hundred and seventy thousand and then tax ID was two two five eight five.

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

utterance: Its three three three North Raymond Avenue in Ranch Mirage, California. nine two two six eight.

utterance: Fantastic. And for your mailing address will that be the same as your business address?

utterance: Yes.

utterance: Fantastic. All right, let's get you started on this loan. What what would be the loan amount?

utterance: OK. I would I think I need about a hundred and fifty thousand.

utterance: A hundred and fifty thousand. OK, that should not be a problem at all. What is the purpose of the loan?

utterance: man, I I own a kimchi company called Kimchi Wow and I just business is going good and we need to expand. I need to buy some more land to just grow my like yeah just more a factory just to package and all that stuff its rent more vans, hire more people, labor you know, stuff like that.

utterance: That's great, that's great. I think I think we'll be able to help you out with this loan. And, What was the amount again?

utterance: Sorry, one fifty. . Yeah.

utterance: One fifty?

utterance: Great. And then, the term that you would like to pay it back over?

utterance: Can I do it for over three years, thirty-six months?

utterance: Yeah, that will be no problem at all. I think we can do that for you. The only thing is that there will be interest of two point six percent. Is that OK with you?

utterance: Yeah, that's great.

utterance: All right, so, with an interest of two point six percent over three years, you're going to get a loan of a hundred and fifty thousand dollars. if everything goes through, this loan should come through in about a weeks time. You'll be getting an email today asking for supporting information of the business and your own personal information just to verify. is there anything else I can help you with today?

utterance: No, that's it.

utterance: All right, great. Thank you so much for your continued business at Intellibank. And I hope this loan goes through for you.

utterance: Thank you sir. Appreciate it.

utterance: All right.

utterance: Take care.

utterance: Bye.


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

utterance: Hi Daisy. I wrote a cheque out to a contractor that was doing my porch and he never came to work.

utterance: OK. so are you looking to cancel the check or how can I help you?

utterance: Yeah. I'd like to cancel the cheque.

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

utterance: George Emery. And I don't know if you have my business address of one twenty-one Parkside Acres? Or my home address of eighty-four Bluebird Court? They are both in Branson, Missouri. Five five three two four.

utterance: We have the business address.

utterance: OK.

utterance: And, what is your date of birth?

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

utterance: Thank you. What is your pin?

utterance: the PIN? I have it written down here on a Post-it note somewhere. Do you mind giving me just a minute?

utterance: Sure.

utterance: Thank you.

utterance: No problem.

utterance: all right I've got it. It is one six six two.

utterance: Thank you George.

utterance: And, so you want to cancel a cheque? which, what is the account number? From which that cheque is drawn upon?

utterance: It is zero zero one six three nine two two one seven.

utterance: Thank you. Is this your business total checking account?

utterance: Yeah.

utterance: All right. Your current balance on that account is four thousand two-hundred sixty dollars and fifty three cents. What is the cheque number.

utterance: it is one eight five zero six.

utterance: One moment while I double check to make sure that that has not posted.

utterance: Yep, I don't show that that is on the register yet And So, we want to cancel that cheque. What is the reason for this?

utterance: like I said, it was a deposit to a contractor working on my porch. And, he never showed up for work.

utterance: OK services not rendered all right one moment while I process this check cancellation. And then I will have a confirmation number for you.

utterance: Great.

utterance: OK. I am ready with that confirmation number.

utterance: I'm ready.

utterance: It is, 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 got a letter in the mail about something called the Intel Bank silver card. I'd like to know more about that. I'm actually in need of a credit card right now.

utterance: OK. You said Intellbank? Is it? Our IntelliBusiness silver card?

utterance: Yeah.

utterance: For Intellibank?

utterance: Yeah.

utterance: OK. OK. I just wanna make sure you're aware. And you just want me to go over the card offerings?

utterance: Yes please.

utterance: Absolutely. So our Inellibusiness silver card is targeted to small and medium-sized businesses. It allows you to reduce the administrative charges and to manage easily the expenses of your cards online. It comes with no preset 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 earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cash back, gift cards, travel and more. You can earn rewards faster, with employee cards at no additional cost. with those employee cards, you can set individual spending limits for greater control over your companies expenditures. you can customize your card with your own business logo and design. And, until the end of the year George, we are offering a seven hundred and fifty dollar bonus cash back after you spend seven thousand five hundred dollars on purchases in the first three months of account opening. Does this sound like something you're interested in George?

utterance: yeah, but, not right now. I'm still gauging my other options, with other banks, but I'll keep it in mind.

utterance: Sure, sounds good. Would you like me to send this to you in an email?

utterance: yes please.

utterance: All right. You should receive that momentarily. Is there anything else I can do for you today?

utterance: Nope, that's about it.

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

utterance: You too, bye.

utterance: You too, bye bye.