utterance: Intellibank, this is Jenny, how can I help you?

utterance: Hey Jenny, how you doing this evening?

utterance: I am doing really well this evening. I'm on my third cup of coffee.

utterance: Still drinking coffee into the night?

utterance: I know I really shouldn't, but I have a seminar to go to tonight so, I gotta stay awake.

utterance: Aww. If it makes you feel any better, I'm still drinking coffee too.

utterance: Good. OK.

utterance: So, we're both wide awake and we're both probably ready for cup number four.

utterance: Which which. The reason I'm awake is because I own my own business and I'm always awake and I'm always you know slaving to my own grind, shall we say, say, and making things happen for my business. And I I've recently have come across an opportunity where I can really come across a lot of good deals for inventory for my business, and a lot of upgrades and things like that I can do. especially with I really wanna go into a major advertising mass market thing for the new year. but, you know I need the capital and funds to do that. And I don't wanna drain my own personal business accounts to do that. So, I was hearing about these kind of like. I guess they're almost government funded loans?

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: And I was wondering if you had any information on those? Or.

utterance: Well, yeah like, the one that we are doing this. This week, but I don't. I don't think think you need this kind unless I misunderstood. It's for real estate. it's the SBA five oh four loan that we are promoting this week. So

utterance: Oh.

utterance: Well technically, I mean. You know I. I did have this piece of property next door to us. That I'm able to also expand to. I. I. I mean. If I. If. Now that I know it's got real estate involved.

utterance: Mhm.

utterance: Oh.

utterance: I mean I really wanted to go the whole full Monty, the full. run the whole full gauntlet here, and expand into next door. that that's been my dream all along. And this property's just been sitting here for months.

utterance: Yeah.

utterance: Right.

utterance: OK.

utterance: Oh wow, OK.

utterance: Wow.

utterance: And I know. You know it's. We have the same landlord so I would be able to get a great deal on it.

utterance: Oh that's awesome because, the SBA five oh four loan that we're promoting this. This month actually, is It's a small business loan and it's specifically for real estate, and the government assumes some risk for the bank.

utterance: OK.

utterance: So it's easier to get than some other loans, and it also has better terms than non SBA loans.

utterance: OK.

utterance: so do you wanna go ahead maybe, if you have time we'll fill out the application and.

utterance: Yes. Please. Please.

utterance: Go forward?

utterance: All right perfect. So what is your full name?

utterance: my name is Robert Mcveigh.

utterance: How do you spell the last name?

utterance: M C V E I G H.

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

utterance: It's seven, twenty-five.

utterance: Mhm.

utterance: Eighty-five.

utterance: And your personal address?

utterance: Oh it's two thirty-five.

utterance: OK.

utterance: Heather Lane.

utterance: OK.

utterance: And that's Broomall Pennsylvania.

utterance: Mhm.

utterance: That's one nine oh, two seven.

utterance: All right. And, your social?

utterance: Oh. The social is. One seven nine, one one two zero, seven six.

utterance: All right, and.

utterance: My

utterance: Phone number.

utterance: Oh. Actually thank you so much for anticipating what I need, but we need the driver's license number right now.

utterance: Oh. OK.

utterance: Excuse me.

utterance: Let me. Let me get that for you. Hang on a second.

utterance: OK.

utterance: OK. That number is.

utterance: Mhm.

utterance: One two.

utterance: OK.

utterance: Seven nine two.

utterance: Mhm.

utterance: Five six nine.

utterance: All right.

utterance: And that's Pennsylvania.

utterance: Oh! Great. I was gonna ask you that. And what is your PIN number?

utterance: the PIN number is, two five, eight five.

utterance: OK. And Mr. Mcveigh the your email address?

utterance: It's Robert Mcveigh.

utterance: OK.

utterance: Eighty-five.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: All right. And what is your business name?

utterance: It's Mcveigh Industries.

utterance: OK. And are you the sole owner?

utterance: I am.

utterance: All right and when. what date did you establish your business?

utterance: It was September nineteenth.

utterance: Mhm.

utterance: Twenty twelve.

utterance: All right. And your gross annual sales?

utterance: one hundred and sixty thousand dollars a year.

utterance: All right. Mr. Mcveigh, do you. Do you happen to have your tax ID number on you?

utterance: I do, hang on.

utterance: OK. Take your time.

utterance: OK. That number is zero nine.

utterance: Mhm.

utterance: One five. Seven one. Six six three.

utterance: All right. And what is your business street address?

utterance: Oh, the business street address is, four fifteen.

utterance: Yeah.

utterance: Mhm.

utterance: Kent Road.

utterance: OK.

utterance: And that's Plymouth Meeting.

utterance: Mhm.

utterance: Pennsylvania. One nine oh. One eight.

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

utterance: Yes, absolutely.

utterance: All right. So, what would you say that the main loan purpose is?

utterance: real estate expansion.

utterance: OK. and what kind of a loan. what amount would you like?

utterance: one hundred thousand.

utterance: All right. And what would be your down payment percentage?

utterance: I'd be able to do ten percent.

utterance: OK. All right. Perfect. So, all right, so I have everything set up. You're in the portal, your application is ready to go. What we need from you is to send over your business supporting documents, which I just sent you an email.

utterance: OK.

utterance: So in the email it'll show you the documents that we need from you to upload to us.

utterance: OK.

utterance: And then as soon as you do that We will start your application process right away. And then you'll have an answer within twenty-four to forty-eight hours.

utterance: Sounds great.

utterance: All right. Mr. Mcveigh is there anything else I can help you with while I have you on the line?

utterance: Mm-mm, that's everything.

utterance: All right. You have a great day and thank you so much for being part of Intellibank.

utterance: Thank you, you too.

utterance: Bye bye.


speaker_role: Agent

utterance: Howdy, thanks for calling Intelly, my name is Romen, who am I speaking with?

speaker_role: Customer

utterance: Hello, Romen. this is this is Mike.

utterance: Hey Mike. Nice to meet you. pretty good.

utterance: How's it going?

utterance: Good.

utterance: And, how can I help you today?

utterance: I just wanna open up a savings account, please.

utterance: Sure, we can help you out with that. And can I have your last name, Mike?

utterance: Post.

utterance: Mike Post, all righty. And Mike Post, are, you have a checking account with us?

utterance: I do, yeah.

utterance: OK, sounds good. so let's see if we can pull up your checking.

utterance: OK.

utterance: Could I have your email address, please?

utterance: Sure, Mike Post at Gmail dot com.

utterance: OK, great. Let's take a look here.

utterance: All right, Mike, I apologize, our system seems to be a little bit frozen here.

utterance: It's OK.

utterance: All right, Mike, you still with me?

utterance: Yeah, I am.

utterance: All right. I think I found your email address, can I just confirm your mailing address?

utterance: let's see here. The email what, what did you need?

utterance: your mailing address.

utterance: Oh.

utterance: Six zero three, South Cockran Avenue, Los Angeles, nine zero zero three six.

utterance: OK, great. And then do you happen to have your drivers license on file?

utterance: I do, yeah.

utterance: Or on you? OK, great, mhm and I'll take that drivers license.

utterance: zero nine one zero two three seven.

utterance: All right.

utterance: And the last four digits of your social.

utterance: four four two five.

utterance: Great.

utterance: And what is the customer account for your checking?

utterance: three three five three.

utterance: OK.

utterance: And is your is this a personal account or a business account?

utterance: It's a personal account.

utterance: OK, great. Did you want to open personal savings as well, or a business savings?

utterance: personal savings, please.

utterance: OK, great.

utterance: All right.

utterance: So, what we can do is, we'll open up your savings account, and if you wanna deposit our minimum amount it will wave our monthly service fee. that would be three hundred dollars.

utterance: And what is that?

utterance: OK.

utterance: And, would you like to deposit that from your checking account today?

utterance: yeah, I guess so. Yeah, let's go ahead and do that.

utterance: OK, sure.

utterance: So, I'll go ahead and make that transfer, and that service fee will be waived. Just make sure your funds never go below the minimum or else you'll be charged the service fee of twelve dollars.

utterance: OK.

utterance: Great, and is there anything else you needed from us today? Do you have any questions about your account?

utterance: Well, should I have some questions? What, what are normal questions?

utterance: Oh, it seems like you're answering, or you're asking all the right questions. It's a pretty straightforward savings account.

utterance: so long as you don't go below the minimum of three hundred dollars, the service fee will be waived, every month, and there is no interest rate.

utterance: Oh, I see. OK.

utterance: And, and talk to me about the travelers card.

utterance: Sure, you can apply for our travelers card. if you are a frequent flyer you can earn some sky miles, and those points will go towards your next trip.

utterance: Oh, that's very good. Anywhere in the world?

utterance: Anywhere in the world.

utterance: And if you'd like I can email you the application for that travelers card.

utterance: yeah. Can you go ahead and forward that to me?

utterance: Sure thing, I'll go ahead and send that to your email, and did you have any other questions about your savings account, today?

utterance: no, I don't think so.

utterance: All righty, well if any questions should come up as you're reviewing that travelers application, feel free to give us a call.

utterance: OK, thanks so much.

utterance: Of course, my pleasure. Take care.


utterance: Good afternoon, thank you for calling Intellibank. My name is Oliver, how may I be of assistance today?

utterance: Hello there Oliver. I'm calling about my business account. My Intellibank Swift Saver. I just a notice in the mail about it.

utterance: Oh I see. So, you're referring to one of our most popular products, the Intellibank Smart Savings Account. And I can most certainly help you with that account.

utterance: Oh yeah, sorry. Sorry about that, that was the wrong name there. I think I got some bank accounts confused. Anyway, so I got this notice about my account. And to be honest, I forgot that I even had this account. I actually haven't been in business for over two years since the pandemic.

utterance: Oh, I see. well I'll be glad to bring that account up for you so we can take a look at it. to get started I just need your first name, also you last name, and I just need your date of birth.

utterance: Got it, okay. My name is Susie Mundy. That's S U S I E M U N D Y. And my date of birth is nine nine seventy-five.

utterance: All right, Susie Mundy. Date of birth nine nine seven five. Thank you Ms. Mundy. And since you have that notice in the mail, you had mentioned, could you go ahead and grab that and read the account number on it for me? I'm assuming you don't have that memorized.

utterance: Oh yeah, hold on. Let me just go grab that paper. I put it down somewhere. Hold on.

utterance: All right, go ahead and hold. let me know when you found it and I'll be right back.

utterance: Aha, here it is, I've got it. Are you ready?

utterance: Yep, I'm back.

utterance: OK, the number is four four five three three two three five four five. And my pin, I always remember that, it's ninety-eight ninety-seven.

utterance: OK. Just like to repeat these numbers back. So I have four four five three three two three five last two digits four five. And your pin is ninety-eight ninety-seven. I am showing, yes, this account has been active for four years, Ms. Mundy, but yeah, there haven't been any deposits or withdrawals or real activity for the past two years like you had mentioned.

utterance: Yeah, like I said, the pandemic made me lose interest in the business, since they for social sweatbands that the kids could share and trade, didn't really work out with the with the virus. So yeah. Was your work affected by the pandemic?

utterance: Oh, it's funny you mention that and talking about kids it made me think of my own. well actually I've know scores of people whose businesses had been affected by this pandemic but my own son's, what he was doing he was manufacturing and selling these small sculptures really cool fish and nautical things. People were buying them up at markets and they were even buying them in some galleries, but a lot of the materials and certain things he used basically they became to expensive and outsourced so he had to shut his little operation down. So yeah, yeah I can relate.

utterance: Oh, well his business sounds amazing! He must love art to. He must love being a creator like that. It's oh, it's an inspiring entrepreneur to go out and sell your own creations. You must be so proud!

utterance: Oh, I am, yeah, very much. Thanks for that. And hey, I'll let him know he has a fan. anyways, back to your account. yes, since you aren't using that business account, how about let's suggest this. Why don't we go ahead and close that account, transfer the remaining funds to a different account of yours, would you happen to have another account number that we could transfer these remaining funds?

utterance: yeah. you're right, we should close it. I don't plan on starting up this business again, so. all right, send the funds to five five four three four five five three two two. And same pin, nine eight nine seven. How much was in that account, again?

utterance: Oh, so I'm showing an account balance of one thousand two hundred fifty-nine dollars and eighty-nine cents.

utterance: OK yeah, great. That's what's on this statement too, I just wanted to make sure.

utterance: All right, great. So Ms. Mundy, to recap, closing your Intellibank Smart Savings account going to be transferring the funds from the account, the amount just mentioned, to the account number that you had just provided me. I'll go ahead and look for the transfer to reflect in the next one to three business days. If not, you can always call us back. do you have any other questions?

utterance: No I don't, you've been a great help. Thank you.

utterance: I certainly appreciate that. Have a wonderful day. Bye bye.

utterance: Bye bye.


utterance: Hi this is Robin Forsythe at Intellibank. What can I do for you today?

utterance: Hi I want to check my quick liquidity quick liquidity ratio for my business.

utterance: Of course I'd be more than happy to help you out with that. Can I start by getting your first name and your date of birth? Sorry I misspoke your full name and date of birth?

utterance: Yeah my full name is Julie Crane. And my date of birth is December seventh nineteen eighty-four.

utterance: December seventh nineteen eighty-four. OK Julie I am going to go ahead and pull up your account. Can I get the PIN number associated with it?

utterance: Yeah. give me a second while I'm look through my rolodex of PIN numbers.

utterance: Of course. Take your time.

utterance: here's one. Let's try zero one one five.

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

utterance: OK.

utterance: Can I start by getting the last four digits of your Social Security number?

utterance: Sure it's zero one one five.

utterance: Zero one one five. OK great. And when you created your account you answered a security question. I'm going to go ahead and ask you that now.

utterance: Great.

utterance: OK. What is your mother's maiden name?

utterance: it should be Jackson.

utterance: OK and would you mind spelling that for me please?

utterance: Yeah J A C K S O N.

utterance: OK perfect. Thank you for verifying that information for me Julie. I am able to pull up your account so give me just one moment.

utterance: OK so I am pulling up your account and you're inquiring about Julie's Sex Toys and Bondage Emporium?

utterance: You know it.

utterance: OK so you're looking to get the quick liquidity ratio correct?

utterance: Yes please.

utterance: OK get me just one second to calculate that.

utterance: OK so it looks like you're actually at a five.

utterance: Oh yeah you know. Pandemic happened. Like people can't go out and meet people anymore.

utterance: Of course I definitely can understand that. Well congratulations it's a great score.

utterance: Thank you.

utterance: OK so is there anything else that I can help you out with while I'm on the line?

utterance: Yeah can you actually email that score to me please?

utterance: Yes what's the best email to reach you at?

utterance: probably Julie at Julie's Sex Toys dot com.

utterance: Julie at Julie's Sex Toys dot com.

utterance: OK great so you should expect that email to you within the next two hours. Sometimes it happens instantaneously and sometimes it take a while. So just be on the lookout.

utterance: Amazing thank you.

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

utterance: Yeah. with my newfound wealth I'm thinking about purchasing some stocks. do you guys do that at this bank?

utterance: Yes we do. I'd be more than happy to help you purchase a stock market order.

utterance: Great

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

utterance: Sure sure. It is zero one one five.

utterance: Zero one one five. OK. And can I also get your account number?

utterance: Yeah the account number should be nine zero nine seven five eight five three zero six.

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

utterance: Yeah.

utterance: OK great. And do you have the stock code of the stock that you wanted to purchase?

utterance: yeah I'm looking at a couple. I I think that one of them is G G G.

utterance: GGG OK so Google. You wanted to purchase a Google stock? OK and what number what what number of shares did you want to purchase today?

utterance: Yeah.

utterance: I guess I'd like to place a market order well how much is the going rate right now?

utterance: OK so each one is five hundred dollars.

utterance: Five hundred dollars OK. I guess that I can afford about a thousand of them.

utterance: a thousand shares or a thousand dollars worth of shares?

utterance: A thousand shares please.

utterance: OK so you're looking at paying five hundred thousand today.

utterance: Yeah.

utterance: OK. So I'm gonna go ahead and schedule you for for a thousand shares of Google at five hundred dollars each.

utterance: Amazing.

utterance: OK so you should be getting an email shortly with your receipt saying that you did purchase a thousand shares each at five hundred dollars each of Google. Is there anything else that I can help you out with while I'm on the line?

utterance: No that's thank you so much.

utterance: You're welcome. thank you for being a valued customer. Have a lovely day. Bye bye now.


utterance: Good morning. Thank you for calling, I'm Tyson. What can I do for you today?

utterance: Hello Tyson. Good morning.

utterance: Hello.

utterance: Good morning.

utterance: So I'm just calling about some things with my account.

utterance: Sure, I'm here. Give it a, give it a go and I'll listen.

utterance: Oh, thank you. I already feel really helped and supported.

utterance: Great.

utterance: So, I had an account from a small business. I have one but I'm thinking I'm going to close my account and my small business.

utterance: Yeah.

utterance: Oh, no. What's going on?

utterance: Well, things just aren't working out the way I would have liked them to.

utterance: Oh, no. I'm sorry to hear that. What's your name?

utterance: My name is Melanie. Melanie Lee.

utterance: Melanie Lee.

utterance: Mhm.

utterance: And your account number?

utterance: Four five five three two one seven seven.

utterance: Yep.

utterance: Uh-huh.

utterance: Four five five three two one seven seven?

utterance: Yes.

utterance: Great. and your date of birth?

utterance: Four eleven

utterance: Four eleven?

utterance: Mhm.

utterance: What year?

utterance: Seventy.

utterance: Seventy? Four eleven seventy? And your the last four digits of your zip of your sorry your social security number?

utterance: Mhm.

utterance: Well one one zero and a two.

utterance: One one zero and a two.

utterance: Mhm.

utterance: Melanie Lee, I's pulling up your account here.

utterance: What's your last name, Tyson?

utterance: My last, my last name is Roberts.

utterance: Oh, I thought it was gonna be Roberts. I was right.

utterance: Oh, yeah? I hope you placed a bet!

utterance: I did!

utterance: Oh, great! How much did you win?

utterance: Seven dollars.

utterance: Oh my God. Then maybe we can keep that business open.

utterance: Mm, I don't think so.

utterance: Oh, I'm sorry to hear that. The business here, your business account here is at negative two hundred and fifty dollars. But we can't close it when it's in the negative. But we can offer some help here.

utterance: All right. I've got an idea. Let me know if it will work. So, before I close my account. You give me a credit card.

utterance: All right.

utterance: Yes?

utterance: Well, let's see if you're eligible for a card here.

utterance: OK.

utterance: This is shocking but you are eligible for a card.

utterance: Oh, great!

utterance: it's a very good card. It's has a eighteen percent interest rate. So it's and you got a thousand dollar balance. And would you like it to be mailed out to you?

utterance: Can you just yeah, set it up right away. And then put that money somehow in my account and then close my account?

utterance: Sure.

utterance: Oh, I can't do that, unfortunately.

utterance: Oh?

utterance: No, I can't transfer that. I can't transfer that. I can't make that I can't make that. I can't authorize it.

utterance: Well, this isn't working out.

utterance: For me then.

utterance: Oh, well I'm sorry to hear that. .

utterance: I'll need to talk

utterance: To someone else.

utterance: who would you like to talk to? Anyone? You don't, I thought you wanted to talk to me.

utterance: Anyone.

utterance: Well I thought I did too until you, until you mentioned it wasn't working out.

utterance: I didn't say it wasn't working out. I was saying that, that what we can't do is is do the credit card.

utterance: OK.

utterance: Just close it down then. Shut it down. Shut it down.

utterance: I'm trying to but I'm. I can't do it until the balance is paid.

utterance: All right. I'll give you another card number that I have. and then I'll pay my balance. And then I would like you to shut it shut down the account.

utterance: Uh-huh.

utterance: OK.

utterance: No problem, Melanie Lee. And what's that card number, please?

utterance: And please don't take this personal. Because you have a very lovely tone of voice and I think you are a great man.

utterance: Oh, well thank you very much. I really appreciate that.

utterance: I'm just stressed out.

utterance: I'm sorry you're stressed out. Why are you stressed out?

utterance: I just want to close the account, OK.

utterance: OK. No worries. And can I get that account number?

utterance: Thanks for caring.

utterance: Mhm. One one four seven nine three two zero one.

utterance: Yeah.

utterance: One one four seven nine three two zero one?

utterance: Mhm.

utterance: And can I get the expiration date?

utterance: Mhm. Four twenty-three.

utterance: Four twenty-three.

utterance: Mhm.

utterance: All right, great. Let me run this.

utterance: OK.

utterance: OK. It looks like your balance has been paid off. And

utterance: Oh.

utterance: Perfect. And you closed the account?

utterance: I'm closing it right now. Is there anything else I can do for you?

utterance: Well, you can just tell me you know what, what your favorite type of bird is.

utterance: My favorite type of bird?

utterance: Mhm.

utterance: Pterodactyl.

utterance: Ooh! Good one!

utterance: Yeah.

utterance: Oh, great. OK, you know you just really brightened up my day. So thank you do much.

utterance: Of course! Any anything I can do to help. I hope, I hope one day you come back to us.

utterance: I hope I come back to you one day too.

utterance: All right. well anything else I can do for you today?

utterance: Oh, just give me a sweet goodbye.

utterance: All right. Goodbye.

utterance: Goodbye.


utterance: Thank you for calling Intellibank business services. This is Stephen. How may I assist you today?

utterance: yes I need to buy a new piece of equipment for my business and I have a platinum credit card and I need to check my available balance.

utterance: All right. I can certainly assist you with that. May I have your name please?

utterance: Dan Thomas. T H O M A S.

utterance: Thank you and can I have your date of birth please?

utterance: May twelfth nineteen sixty.

utterance: Thank you and may I have your authentication PIN number?

utterance: One zero six two.

utterance: Thank you. And then may I have your credit card number?

utterance: Two six six nine four zero seven seven three five six five one zero nine three.

utterance: All right and I'm just gonna read that back. That's two six six nine. Four zero zero seven. Three five six five. One zero nine three. Is that correct?

utterance: That is correct.

utterance: All right sir. Thank you very much. I have verified your information and pulled up your account. And you were just wanting to know the balance of your platinum card. Is that correct?

utterance: Yes.

utterance: All right. I am showing that you currently have an available balance of eighteen thousand nine hundred and sixty-five dollars and twenty cents.

utterance: OK. Sounds good is there any way to make it easier for me to check my balances in the future?

utterance: there absolutely is sir. do you have an online bank account set up with us?

utterance: no I don't.

utterance: All right well I can help you get one set up here and you can then check your balance. pay your bills. See your statements basically everything that you can do by calling this number you can do either through our mobile app or on any internet connected device.

utterance: OK. That's something you can help me with today?

utterance: It certainly is sir.

utterance: OK. Let's do that.

utterance: Excellent. Let me pull that page up and I'll just need to verify a few things. Is the email address we have on file for you D Thomas at ABC dot com? Where you would like to have the communications for your online banking sent to?

utterance: yes.

utterance: All right. And then I have got a username and a temporary password for you whenever you are ready.

utterance: OK.

utterance: All right. Your username is going to be D Thomas zero seven.

utterance: OK.

utterance: And your temporary password will be capital E capital D. Six nine nine capital M.

utterance: OK I've got it.

utterance: All right and so now just to complete your set up you will need to go to the Intellibank dot com website. Click the login button in the upper right hand corner enter those credentials and it will prompt you to create a unique password for your account and it will then guide you through the rest of your setup.

utterance: OK sounds easy enough.

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

utterance: I can't think of anything. your day going pretty good so far?

utterance: Yes sir. My day has been quite good. How is yours?

utterance: Mine's going pretty good.

utterance: That's excellent sir. And is there anything else that I can assist you with?

utterance: I don't believe so.

utterance: All right sir. Well if you don't mind holding on the line for just a moment there will be a brief survey that you can fill out to let us know how we did today. And how we can better service your banking and business needs in the future.

utterance: Sounds great.

utterance: Thank you sir and thank you for choosing Intellibank Business Solutions.

utterance: All right. Thank you.

utterance: Thank you.


utterance: Hello. Thank you for calling Intellibank. This is Allan. What can I help you with today?

utterance: Hey Allan. How's your day going?

utterance: Good good. Thank you for asking. How about you?

utterance: Yeah. Good. You know I actually got the day off. So I've been have you seen this this show Succession?

utterance: No. I have not.

utterance: Oh yeah. I've just been catching up on the last couple of episodes, I had some extra time here.

utterance: Yo yes sorry. I don't know how that's relevant . yeah I was just calling. I thought I'd give you guys a call since I have some time. my job is kind of a contract gig but they got today off. So now that I've done plenty of television bingeing I thought I would call in and just get an update or sorry, I need just to confirm some information on a on a bond I have.

utterance: That's OK.

utterance: Uh-huh.

utterance: OK. are you looking to get your you're just.

utterance: Yes sir. It's the bond. the bond yield I think it's.

utterance: Oh you're looking.

utterance: Specifically for the to get the treasury bond yield?

utterance: Yeah. yeah sorry I've been watching Succession I got the all the financial terminology my head is off. Yeah. The yeah the bond yield.

utterance: That's, that's.

utterance: OK. That's OK. I happy to access that for you. And I know a lot of people call in and they ask what is the bond yield? but just in case you don't know that is the amount your bond will yield in its returns over its life. As you probably know, there're bonds with a number of different time periods. One year five year, ten year, twenty year. But we'll.

utterance: Right.

utterance: Look into yours and see which one you have in case you do not have that information on hand. So first, I will start you off by asking your first and last name.

utterance: Yeah. That is David Shark.

utterance: David Shark. Also, need your date of birth.

utterance: Yeah. That is Oh yeah. I'm sorry. One sec. Can you hold on? hold on.

utterance: Absolutely.

utterance: All right I'm back. Are you still there?

utterance: Just waiting.

utterance: Yeah.

utterance: Sorry about that. That was my boss calling on the other line. our manager rather. Yeah. I was my schedule is kinda open for the rest of the week for me to do answer that to make sure I can get just some more hours. You know hours on the books since I'm taking today off which was well deserved if I may say so myself. Cuz given my productivity yesterday. Yeah sir. Back to the what did you ask? The the last question?

utterance: It's all good.

utterance: Wow.

utterance: Just looking for your date of birth.

utterance: Oh yeah. I'm sorry about that. It's may seven nineteen ninety.

utterance: May seventh nineteen ninety. Also need your four to eight digit pin number to access your account.

utterance: Yeah. Lemme one second. Let's look in here. OK. Yeah. That's five four five four two.

utterance: Five four five four two.

utterance: Yes.

utterance: OK. Looking for the bond type meaning. The time period of this.

utterance: Yeah.

utterance: It's a twenty-year.

utterance: Twenty-year treasury bond.

utterance: Yeah. I think it's the only twenty-year I have. I mean who knows that when I invested I I don't know at twenty years who knows. Guess what I'm really doing that so. I figured it couldn't hurt.

utterance: Mhm.

utterance: I understand I understand.

utterance: Yeah. I mean twenty years it's just such a long time and probably thinking of what I'll be doing twenty years from now. Do not know. Hopefully it'll be good though.

utterance: Yeah.

utterance: Well I started in Intellibank twenty years ago today actually.

utterance: Oh boy.

utterance: Wow. You're a lifer huh.

utterance: Mhm.

utterance: Congrats.

utterance: Thank you. They did bring a cake into the office for me. I was happy about that.

utterance: Oh yeah. What flavor?

utterance: Actually I have not cut the cake yet. I do see it has vanilla frosting with the Intellibank logo on top. And also what's interesting is they actually built my cubicle in candy form on top of the cake.

utterance: Sounds a lot better than what you see in Office Space huh.

utterance: Mhm. Yes. I am a big fan of that movie. We.

utterance: Yeah.

utterance: Actually some of us in the office get together to watch that from time to time.

utterance: Oh and here it is here it is. Just getting your return. Yeah. Your treasury bond yield. Over the period of its life twenty years. Looks like seven point seven percent.

utterance: OK. And that was that was the twenty-year one right?

utterance: That was correct.

utterance: OK. that's yeah. I thought I had that info but I needed to call. That's what I needed to know.

utterance: All right. Well that you so much for calling in. Have yourself a great evening. And thank you for being an Intellibank customer since two thousand and eight.

utterance: All righty. Thank you.

utterance: Bye bye.


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

utterance: Oh I thought I was calling Chase Bank.

utterance: no. This is Intellibank.

utterance: Oh! OK that's fine.

utterance: are you are you an Intellibank customer?

utterance: I, I am.

utterance: I'm also a Chase customer but that's OK. I needed to do some business with Intellibank also. So that's fine. Thank you.

utterance: Ok. I'm happy to help you. How are you doing today?

utterance: good. How are you?

utterance: I'm great. Thanks. May I ask your name please?

utterance: my name is Jane Supersteen.

utterance: All right Jane and how may I help you today?

utterance: I need to apply for a real estate loan please.

utterance: Oh. Great. So we get we'll get your loan application over Chase. Is that how Is that. OK. Perfect. Happy to help you today. Jane so I'm gonna be asking you some questions so I can go ahead and process this for you over the phone. Is the are you the one applying for the loan under your name Jane Supersteen?

utterance: Yeah.

utterance: Yes I am.

utterance: OK great. All right let's get started. what is your home address?

utterance: My home address is twenty one fifty two Torquoise Drive and that's in Georgia New Mexico. and the zip is twenty-one fifty-two.

utterance: Very good and what is your social security number, please?

utterance: Social security number is one one seven one three six five seven nine and my PIN number is also six seven or excuse me. My PIN number's also six five seven nine.

utterance: Perfect. All right and I appreciate that. I didn't need that yet but I.

utterance: Oh.

utterance: Was. No that's OK. I was able to jump ahead in the screen.

utterance: OK.

utterance: Now I'm going back cuz I will need your driver's license number.

utterance: Oh shoot! I just got a new driver's license. Can you hold on please?

utterance: Certainly.

utterance: OK. Ready?

utterance: I am.

utterance: it's New Mexico and that's N M one three one one seven four.

utterance: Great and you said New Mexico cuz that's where it was issued?

utterance: Correct.

utterance: Thank you and Jane what is your email address?

utterance: email is Jane Supersteen at Gmail dot com.

utterance: Thank you so much and Jane what is the name of your business?

utterance: The name of my business is Jane Supersteen Properties Incorporated.

utterance: OK. Thank you so much and Jane do you have any business partners or are you the sole owner?

utterance: it's just me.

utterance: Thank you and when was the when did you establish your business?

utterance: two thousand seventeen October.

utterance: Thank you so much and your gross sales for last year?

utterance: One hundred thousand dollars.

utterance: Thank you. Your tax ID number?

utterance: Oh I'm so sorry.

utterance: that's OK.

utterance: My tax ID number is twenty-one fifty-two one one three four seven.

utterance: Thank you so much. Now your hearing you yawn makes me want a cup of coffee. OK very good and what is the address for your business?

utterance: address for my business is the same as the home address. Do you need me to repeat that?

utterance: No I'll be able to retrieve that. One moment.

utterance: OK. Oh. So sorry.

utterance: That's all right and your mailing address. Is that the same as your home and business?

utterance: yes.

utterance: OK and the purpose of your loan?

utterance: the purpose of my loan is I want to purchase some real estate.

utterance: OK and how long would you like to carry the loan for?

utterance: five years.

utterance: Five years? K and the cost of the property that you want to purchase?

utterance: Is seven hundred thousand dollars.

utterance: Thank you and the real estate address?

utterance: same address as I gave you.

utterance: OK.

utterance: I work out of my house.

utterance: I got that. So it sounds like you've been renting and now you want to purchase?

utterance: well yes.

utterance: OK. Very good. Just making sure that I have all the right information. All right and for this real estate purchase there will be a down payment required between five to twenty percent. What down payment would you like to put down?

utterance: Right.

utterance: Twenty percent.

utterance: Twenty percent. All right. One moment. I'm gonna go ahead and upload this into our system. You will get an email confirmation that will include a link to the application and please look for the documents that you will need to upload in the system to complete this application. Did you have any questions Jane cuz this completes the application?

utterance: No I'm good. Thank you.

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

utterance: Thanks you too. Bye.

utterance: Bye bye.


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

utterance: How ya doing Jerry, I received a statement in the mail and I want to know the that that that that that that statement clear.

utterance: Sure, I'll be happy to assist you with that and what I would need is just pull up your account, sir, and see if I can assist you with that. First of all what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is your name of your business?

utterance: Ray's construction company.

utterance: All right. That's Ray's Construction Company?

utterance: Yes, sir.

utterance: OK and Mr. Freeman, I'm going to ask you a few questions and we do take your account security very seriously here and you may have heard on news reporting about the increase of cyber attacks and the need for cyber security.

utterance: And of course, we do here at Intellibank, do take your account security very seriously and it is indeed for you and your account protection. Is it all right Mr. Freeman if I ask you a few questions in order to verify your account?

utterance: no problem, go ahead.

utterance: All right, thank you for that Mr. Freeman and first of all, what is your date of birth?

utterance: Oh three twenty-six ninteen seventy. My phone number is seven seven zero two two zero five eight five nine.

utterance: well thank you for that, I was just about to ask that Mr. Freeman. and Mr. Freeman, if I may ask, what is your business address?

utterance: Oh, my business address is three six eight Layman Court, Smyrna, Georgia three three zero zero eight zero and I tell you, that I'm so happy that I was able to get you on the phone cuz I don't know what it was maybe my line was down or something but it was something that opened up and got clear and I'm so happy with that, you know.

utterance: OK and you were you having communications problems with your telephone line?

utterance: Yes, I was having some issues with it but I'm so happy that they they was out there working on it and you know I didn't know that it was affecting me so when I, you know but I am so happy that it cleared up and I was able to get through to you. I feel good about that.

utterance: Well we're glad that you were able to get through as well Mr. Freeman.

utterance: and hopefully they are able to get that line fixed you so that you can answer those calls from customers and make those calls that are important to you.

utterance: Oh yes, oh definitely that's very important.

utterance: Now, Mr. Freeman, if I could ask just a few more questions in order to verify the account, what is your account number?

utterance: Well my account number is is nine eight four six five nine one nine.

utterance: All right and Mr. Freeman, what is the pin number that is associated with your account?

utterance: Oh it's one seven nine five.

utterance: OK, thank you for that Mr. Freeman and let me see if I can get your account here pulled up.

utterance: And yeah.

utterance: I was able to go ahead and verify your account here Mr. Freeman and as you mentioned earlier, you wanted to you verify if you something cleared your account, you received a statement, is that correct?

utterance: Yes, sir I did.

utterance: OK, so what is the something that you're looking to clear? Is it a payment?

utterance: It's a payment in Bed and Bath.

utterance: And the pay and there was a a twelve hundred dollars.

utterance: OK so that's a payment for twelve hundred dollars from Betty's Bed and Bath.

utterance: Yes, that's correct.

utterance: Now, Mr. Freeman, do you have an idea of when that payment was supposed to clear?

utterance: It should have cleared three days ago.

utterance: All right, let's see here let me review the account.

utterance: And as I review it here, Mr. Freeman no, I I I don't see that any payment cleared.

utterance: Well, is anyway we can fix it instead of me keep calling in on this?

utterance: sure. I mean let me just ask. Is this some sort of regular charge or bill that you are expecting from Betty's Bed and Bath?

utterance: Yes.

utterance: OK, well if this is something like that Mr. Freeman, what I suggest is we set up automatic billing.

utterance: OK, that sounds good.

utterance: And what that would do, is just simply is you mentioned so that you don't have to keep calling in and you know I guess however frequently that you may on this particular charge, it will just automatically be deducted from the account.

utterance: Oh, that sounds good.

utterance: All right, well let me just ask a few questions here, Mr. Freeman. First of all Is the name of the business, Betty's Bed and Bath that you want the automatic billing set up in the name of?

utterance: Yes.

utterance: And what is their address?

utterance: Oh their address is seventy-two ninety-five Layman's Court, Smyrna, Georgia three zero zero eight zero.

utterance: All right and Mr. Freeman what is the the account that you wish to make the payment from? Is it the same as your account number?

utterance: Yes, same one, that that that nine eight four six five nine one nine, yes.

utterance: And what is the routing number for the account number that you wish to send payment to?

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

utterance: OK and could you repeat that?

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

utterance: OK and what is the account number that you want to send that payment to?

utterance: the account number I want to send that payment to is seven nine eight six eight nine one two.

utterance: And how did you wish to make that payment. Did you prefer that it me made online or did you prefer that a hard check be mailed?

utterance: Oh a hard check.

utterance: OK, what will happen is that a check will be mailed monthly to this Betty Bed and Bath, and let me just ask, by the way, how frequently is this? Is it monthly? Is it weekly? Is it quarterly?

utterance: this is quarterly.

utterance: All right, so we'll set this up for four times a year, a payment of how much sir?

utterance: twelve hundred dollars.

utterance: Twelve hundred dollars and that'll be to Betty's Bed and Bath made by a check mailed to the address you've given me.

utterance: Yes sir.

utterance: OK. Terrific. I was able to get that processed there for you Mr. Freeman. Is there anything else I can assist you with?

utterance: That will be all.

utterance: All right. Well, we certainly do appreciate the business.

utterance: thank you very much.

utterance: You have a good day.

utterance: You too, bye bye.


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

utterance: Hey Lesley, how're you doing?

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

utterance: I'm doing good, and probably a little too good I, I, I oh boy. I had a really good month with the business, and went a little hog wild with the credit card and, you know, we had a lot of business dinners and parties and stuff like that and I'm kind of nervous and I don't wanna wait till I get my monthly statements. So I just wanted to check and see what my credit card balance was looking like right now.

utterance: Mhm.

utterance: Sure, absolutely. let's start with your first and last name.

utterance: my name is Frank Warren.

utterance: OK.

utterance: And.

utterance: Date of birth?

utterance: Yeah, how did you know?

utterance: It's April seventeenth nineteen eighty.

utterance: OK.

utterance: Address? Social? Which would you like?

utterance: Actually I just need your credit card number.

utterance: Oh. I, I wasn't expecting that one till last. the credit card number is four zero eight five.

utterance: Mhm.

utterance: Mhm.

utterance: Three one six seven eight eight two zero oh nine seven one.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: OK, so let me just. I'm gonna read that back to you. Four zero eight five three one six seven eight eight two zero zero nine seven one.

utterance: Mhm.

utterance: Yep.

utterance: OK. And do you just wanna know what your balance is, what you still owe?

utterance: Correct.

utterance: OK, so it's nine thousand and one dollars and twenty-three cents.

utterance: Mm.

utterance: Yeah, we went a little crazy, we went a little crazy. OK, yep.

utterance: OK, and your pay period ends on the fifteenth, so you still have two weeks to pay that.

utterance: Mhm.

utterance: OK yeah.

utterance: Yeah.

utterance: So now I need to go a little crazy on the opposite end and do bigger business.

utterance: Do you have any other credit cards that you wanna check the balance of or?

utterance: No, I think that's gonna be it for now. I just you know, sometimes I need to learn a little or maybe a lot of self-control when it comes to yeah, business excess, shall we say.

utterance: What kind of business do you have?

utterance: Oh, it's we're involved in the nightclub industry.

utterance: Oh wow. OK.

utterance: So yeah, so it usually leads to, to partying and stuff like that. We do entertainment, entertainment for some nightclubs and things like that so we end up getting invited out too much.

utterance: Mhm.

utterance: Right.

utterance: And it's just easier putting the expenses on the credit card and build that up and get the credit and get the points and get the cashback and then yeah, you have to pay it. Back.

utterance: No, I, I completely understand that. Do you take advantage of any of our Intellibank business cards? Business credit cards? Like we have the gold card, the platinum card, the silver card and all of them offer cashback incentives. Some of them even can take money off of your business phone bill. have you ever?

utterance: Sounds interesting.

utterance: Yeah, I mean, you're a small business owner and I do see that you are a great customer and you're in high standing. Can I send you over some information about our Intellibank business cards?

utterance: Yeah, yeah. Absolutely.

utterance: OK.

utterance: What's your email?

utterance: It's F Warren.

utterance: OK.

utterance: Nineteen eighty at Gmail dot com.

utterance: Mhm.

utterance: And that, is that a capital F?

utterance: Yes it is.

utterance: OK. I'm gonna send you over a bunch of information about the different cards and the different promotions. This month we're promoting the Platinum Card for business and there's a two percent cashback on anything that you purchase. Anything that you will need to purchase on your business card.

utterance: OK.

utterance: OK.

utterance: So you know, look into that, and there's so many perks and rewards to it, especially if you're a small business owner who you seem to be a very social business owner, just from your phone call, which is important. That's really important, and we do, the whole point of Intellibank is to encourage small business owners and entrepreneurs. We, we're here for you to help you build so I hope you take advantage of that and look into that. And while I have you on the phone, is there anything else I can help you with?

utterance: Mhm.

utterance: Absolutely.

utterance: you the only question I was, I was thinking was online banking.

utterance: Mhm.

utterance: Mm.

utterance: If if I get set up on that, would I be I guess like to check my balance just online, like on a daily basis so I don't have to wait for my statement to come in?

utterance: Yes, absolutely. Online banking is amazing. Very convenient so what I'll do is, I'll send you the link to that, to sign up for that, to your email.

utterance: OK.

utterance: OK.

utterance: That'd be great.

utterance: And.

utterance: It will prompt you and it takes you step by step through it. It's so easy. In case you have any questions, though, you can always call us back and we would be happy to walk you through it, but I really honestly don't think that we would need to.

utterance: OK.

utterance: It's really self-explanatory, but if you need us we're here until eight p.m. Eastern. So I have sent that over to your email.

utterance: Thank you.

utterance: And is there anything else I can do?

utterance: I think that's everything.

utterance: All right, perfect, have a great night.

utterance: Thanks, you too.

utterance: Bye bye.


utterance: Intellibank, how's it going?

utterance: Hello.

utterance: Hi,

utterance: I'm Steve. How can I help you?

utterance: Hello,

utterance: Steve. My name is Lisa Lisa.

utterance: Hello.

utterance: Hi,

utterance: Hi.

utterance: What's going on? What can we do for you today?

utterance: Well, I'm looking to inquire about some real estate loan

utterance: Oh

utterance: Fantastic. I love it.

utterance: Yeah.

utterance: OK. Let's bring up your account number.

utterance: OK You ready for it?

utterance: Yeah. Absolutely, shoot.

utterance: Six two zero.

utterance: Yeah.

utterance: Three two eight.

utterance: Yeah.

utterance: Four nine nine eight.

utterance: Yeah. Yeah. OK. Your date of birth.

utterance: That would be October eleventh.

utterance: Mhm.

utterance: Nineteen eighty.

utterance: OK. Your full name.

utterance: My full name is Lisa Rajputo.

utterance: OK and your social.

utterance: Six six one three two one zero four four.

utterance: And your pin number.

utterance: Oh my PIN number.

utterance: Can you remember your pin number? It's a four digit number.

utterance: Oh yes. One zero zero seven.

utterance: Fantastic.

utterance: OK and what is your business?

utterance: I'm. My business. We make place mats.

utterance: Yeah and how long you been doing that?

utterance: Mm, six years.

utterance: Fantastic. And you wanna do a real estate loan, is that correct?

utterance: Mhm.

utterance: OK. Is this business or personal related?

utterance: It's business related.

utterance: Ok and what? What are you hoping to do?

utterance: Yeah.

utterance: I would just like to move locations I don't like the neighborhood that my current business is located in.

utterance: OK.

utterance: So I'd just like to move locations.

utterance: Fantastic.

utterance: Yeah.

utterance: Have you already found a place?

utterance: Yeah. I've already found a place and truthfully I can afford to make the move without a loan. But I don't wanna dip into any of my business's funds.

utterance: OK.

utterance: So I figured I'd see what loan options you have available.

utterance: OK, Sure. Of course. What is the estimated value of the property?

utterance: Of the property I'm looking to move to?

utterance: Yes.

utterance: one hundred and fifty thousand dollars.

utterance: OK. Will you be selling the current property?

utterance: Mhm.

utterance: Yeah.

utterance: Do you have a value of that?

utterance: One hundred and fifty thousand dollars.

utterance: OK. So even Steven. OK. OK. So the loan is for what, exactly?

utterance: Even, yeah.

utterance: So, when I sell the property we're in now I wanna bring that money into my business.

utterance: OK.

utterance: Yeah and then I just wanna clean start with the new property.

utterance: So you wanna clean start that involves interest rates?

utterance: Yeah and as I pay off my loan, Which I will easily Do. I want it to increase my credit with Intellibank.

utterance: Of course.

utterance: Intellibank.

utterance: Ok.

utterance: Intellibank.

utterance: Intellibank.

utterance: Let me hear you say it.

utterance: Intellibank.

utterance: Intellibank.

utterance: Intellibank.

utterance: Intellibank.

utterance: Intellibank.

utterance: One more time.

utterance: Intellibank.

utterance: OK, that's great Sorry. I just hear it mispronounced a lot. So I'm just trying to correct people.

utterance: Understandably so. It's a slightly confusing name.

utterance: Sure. Of course, yes OK. So are you going to put any down payment towards this new property?

utterance: Yes.

utterance: What would you like to put down?

utterance: Fifty thousand.

utterance: Fifty.

utterance: Yes.

utterance: So you're gonna sell your property at a hundred fifty thousand. Buy this new property at a hundred and fifty thousand and put down fifty thousand?

utterance: yeah.

utterance: And what. So the loan amount you would want.

utterance: Is?

utterance: One hundred thousand.

utterance: One hundred thousand.

utterance: Yeah.

utterance: Wow OK. I think you really thought this through.

utterance: I have.

utterance: OK You know what? I I like the sound of all of this and we're, you know? Here at Intellibank we're in a giving mood.

utterance: Yeah.

utterance: So we're gonna and just rubber stamp this and and push it right through. Yeah.

utterance: Perfect. That's.

utterance: Exactly what I was hoping to hear from you.

utterance: Absolutely.

utterance: I mean your happiness is our

utterance: Command?

utterance: well, it's our number one priority. Not not. Physical responsibility. But just if our customers are happy.

utterance: Right, and s~

utterance: Uh-huh.

utterance: So we're gonna go ahead and go and do that. Do you? By the way do you? Do weird thing these kids do. Do you do online banking?

utterance: I've been thinking more and more about it, so it's funny you bring it up. How synchronistic.

utterance: Yeah. Yeah.

utterance: Right. Yeah.

utterance: it's weird. I really think you should do it you can check out all of your accounts right there online and see how your line of credit's doing.

utterance: Uh-huh.

utterance: Yeah.

utterance: Yeah.

utterance: Yeah.

utterance: See how your loan's doing. When the interest rates are gonna start kicking in.

utterance: Yeah. What do I have to do to get involved in an online banking

utterance: It's so simple.

utterance: You have a computer?

utterance: It is?

utterance: I do.

utterance: Do you have the internet?

utterance: I do.

utterance: Do you have fingers to type?

utterance: More than one.

utterance: Well do you have mouse?

utterance: what's a mouse?

utterance: You know, the thing that moves the cursor over, you know.

utterance: Yes.

utterance: Do you have a keyboard?

utterance: I do have a keyboard.

utterance: Well you're moments away from logging on to Intellibank dot com.

utterance: Hey, can you be on this call with me? Stay on the call and I I'm gonna log in right now.

utterance: Well I do have to get to I have I'm looking at a list. I gotta whew two hundred people waiting to talk to.

utterance: Oh.

utterance: Some have been holding for a long time.

utterance: So, is that a no?

utterance: Unfortunately, I could transfer you to somebody else to help you guide this.

utterance: You gots.

utterance: To go. I get it.

utterance: OK. Well, thank you for calling Intellibank and good luck with your loan.

utterance: Thank you.


utterance: Hi this is Tom in Invest Bank. Intellibank.

utterance: That's all right. How you doing this morning?

utterance: All right. I'm sorry, I apologize for that. This is my first day.

utterance: I hear you man, it's, it's that's how I am I don't get my coffee. It's funny cuz I try to order by the mobile app, when I go and I get my coffee every morning. And then it says it's gonna be ready at a certain time, like between eight forty-seven and eighty fifty-two, and then I'm sitting there tapping my foot at like eight fifty-three, and there's no coffee. And I'm like, you're gonna be late for work, you gotta be there at nine and. I don't know, and then I. Especially this morning cuz I wanted to make this call to you guys, I'm actually calling you from parking garage at work. I gotta go in, in a second. but yeah, I wanna take care, take care of this. A basically I wanted to invest some money in horse racing. Because my brother just bought a horse, and we think we got a great jockey. And I'm not talking about like actually gambling on the horse, I just mean we wanna like put a lot of care into the horse, and the training for the jockey. We think, we think we can really, really do a good job of it. So yeah just just wanted to invest some money. So who can I do that through you, or?

utterance: Well we've got investment specialists I could set you an appointment with. there'll go over with management, budgeting, savings, investments. But why don't we get started. can I get your name, account number, and PIN please.

utterance: yeah so, my name is Derrick Avery.

utterance: Right Derrick, how about your account number?

utterance: Three six three, three six three.

utterance: Right, and your pin please.

utterance: Pin is twelve twenty.

utterance: Twelve twenty.

utterance: Yeah. Oh wait, hold hold up. Okay, okay, go ahead, go ahead I'm sorry.

utterance: All right.

utterance: Oh I was just gonna say that PIN number didn't work. Could it be another number?

utterance: No that's, that should be it. try twelve twenty-one, I don't know.

utterance: Okay that's it. I'm sorry, that could, that could be my I apologize for that. so why don't we look at setting you up with a investment specialist, and we can set up an appointment. And like I said they'll go over wealth management, budgeting, retirement, savings, and investments. And it sounds like you would like to invest on the you know, the cost and operation of the you know, this. Not necessarily the, you know, betting or gambling. It's taking care of the horse and, and things like that. So we, we should be able to help you out with that.

utterance: Mhm.

utterance: All right.

utterance: is there day or time that's best for you? set one up for tomorrow?

utterance: yeah can I do, you know I, I've got I kind of have a short attention span, could I do like half of it on next Tuesday, and then half next Wednesday? Is that?

utterance: yeah, we can do that. Yeah, it could be a lot to go through. maybe focus on couple things, and then next time. do you have? So you have time tomorrow, would you like it to be in the morning?

utterance: Yeah, tomorrow's fine.

utterance: All right. would nine a.m. work, or eleven thirty p.m.? Or nine? I'm sorry, I, I apologize again

utterance: It's okay.

utterance: I'm nervous, it's my first day.

utterance: Oh.

utterance: Oh hey.

utterance: But we have nine a.m. or eleven thirty.

utterance: Eleven thirty.

utterance: All right. And would you like to do this by online chat, or would you like to speak with someone? We also can do it on Zoom.

utterance: Huh. Can you hold on one sec?

utterance: sure.

utterance: Yeah I'm sorry. Yeah, so I just checked something, I actually got locked out of my Zoom account. Do you have any in person appointments? There's a bank right across the street from me.

utterance: Yeah absolutely, that's a great way to do it. And, you know, we could set up two different appointments. And can I get your ZIP code?

utterance: Yeah, I've.

utterance: Got two different accounts, two different homes. It's either nine zero zero six four, or nine zero zero eight two.

utterance: Which would be more, most convenient for you?

utterance: do the eight two one.

utterance: OK what was that number again? I'm sorry.

utterance: Nine.

utterance: Zero zero eight two.

utterance: Nine zero zero eight two. OK, so we have you down for tomorrow at eleven thirty. And when you're at that appointment you can set up the next appointment. unless you'd like to do that now?

utterance: No I'll take care of that, I gotta I gotta run into work.

utterance: OK well have a better day, hope you get your coffee on time next time. And is there any other questions you have?

utterance: Thank you.

utterance: No, I'm good.

utterance: OK, well take care.

utterance: Thank you. Yeah, you have a good day as well.

utterance: Appreciate it.

utterance: All right.


utterance: Good afternoon and thank you for calling Intellibank. My name is Zach and I am here to provide exceptional customer service. How can I help you today?

utterance: Zach first of all I've been on hold for for the better part of twenty minutes. I've spoken with so many other representatives and you are now maybe the fourth or fifth person I've spoken to. and nobody has been able to help me with my situation so I'm hoping maybe you could just connect me to a manager or somebody who can actually help me

utterance: Oh, I sincerely apologize for that Mr. can I have your name?

utterance: Yeah, yeah. I mean I already told the previous agents this information, they all have this information I I have not been inconsistent with my words. But my name is Ryan Holmes. Ryan Holmes. H O L M E S.

utterance: I understand Mr. Holmes. If you could just bare with me I'm sure I could I I'm sure I can provide whatever it is that you need help with. No need to speak to a manager unless it's something that's needed to be escalated beyond my purview. I'm sure I can help you and what's the reason that you're calling here today?

utterance: basically I want to execute a simple action of getting a loan and this should be completely easy for somebody of my stature at your bank,

utterance: Got it. Can definitely help you process that. I'm just gonna need your address. Oh, one second please. My my apologies not your address. I'm gonna need your social security number and your PIN so I can open your account.

utterance: Yeah.

utterance: Really. Are you? this this this is the same stuff that is happened with every single person I've spoken to . OK, fine. Social security. Zero, one, two, nine, seven, eight, eight, three, eight.

utterance: Got it. And your pin number?

utterance: Two, one, zero, nine.

utterance: Two, one, zero, nine. Got your account opened, checking everything over for a second. Everything's looking good. OK. You are definitely eligible to apply for a a loan. And which one of our loans are you interested in today?

utterance: I would like to to get a loan of a hundred thousand dollars.

utterance: A hundred thousand. All right. Can definitely try to process that. All right. It's gonna be in your name, correct Mr. Holmes?

utterance: Yes, it's going to be in my name. It's my account.

utterance: All right. can I get the address, your address?

utterance: Yes, my address is one hundred Plane Avenue, Las Vegas, Nevada. Seven, zero, nine, one, zero. my business address is seventeen Las Vegas.

utterance: could you hold on

utterance: hold. Could you hold on for a second? That field is not open yet for me to type it in. so I got your address. Can I get your email?

utterance: Yeah, it's Ryan dot Holmes at Gmail dot com.

utterance: Dot Holmes at Gmail dot com. And the name of your business?

utterance: Tropical Diner.

utterance: Tropical Diner. That's a good name. Are you the sole owner of Tropical Diner?

utterance: Yes, I am the sole owner.

utterance: Perfect. And what date was your business established?

utterance: I don't have that OK, it it was sometime in two thousand seventeen. I need to can. Oh I'm gonna put you on hold, I'm gonna find the exact date. So just give me one second.

utterance: Sure.

utterance: All right I'm back with the exact date of when I established my business. It was December twelfth two thousand seventeen.

utterance: December twelfth twenty seventeen. Perfect. And what is your gross annual sales?

utterance: My gross annual sales is two million.

utterance: Two million?

utterance: Yes.

utterance: Wow. That's quite a feat Mr. Holmes. can I get your tax ID number?

utterance: Eight, two, one, two, two, two, four.

utterance: Eight, two, one, two, two, two, four. And just so you know I'm gonna need verification of all this information that you're given me. It could be sent through email at a later date. what's the address of your business now?

utterance: Seventeen Las Vegas Boulevard, Las Vegas, Nevada. Two, zero, one, one, two.

utterance: Is that also a good mailing address?

utterance: Yes.

utterance: Perfect. And you said the loan amount you'd like is a hundred thousand?

utterance: Correct.

utterance: The purpose of this loan?

utterance: It is to to redecorate the restaurant.

utterance: Mm. Restaurant renovations. And what kind of terms are you are you looking for? Twelve months? Twenty-four? Thirty-six?

utterance: Twelve months should be fine.

utterance: Twelve months? OK. Twelve months, here we go. It's loading. All right. OK Mr. Holmes looks like your loan was approved. I can provide you with a confirmation number but I will be sending an email with everything that you need in it including the confirmation number. would you like to get that from the email or do you want me to provide it for you right now?

utterance: Email is easiest, send it my way.

utterance: Perfect. And we're also gonna need you to upload some documents supporting your income information. And if there's nothing further you can enjoy the rest of your day.

utterance: Great, I appreciate it. Thank you so much!

utterance: Thank you as well and I look forward to serving you again.


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

utterance: Yes Jerry, I was gonna stop by the branch but I didn't have time, but I'd like to get my checking account balance please?

utterance: Sure I'll be happy to assist you with that ma'am, and let me just get your account information pulled up. First of all may I ask who I'm speaking with today?

utterance: You're speaking with Evelyn Richards.

utterance: OK, that's Ms. Evelyn Richards, is your first and last name?

utterance: Yes.

utterance: And Ms. Richards, what is the name of the business that has an account with us on file?

utterance: Jones bed and bath. And by the way, I'd also like to know what the branch hours are?

utterance: Certainly certainly, and the branch hours for our company, Ms. Richards, are Monday through Friday from nine a.m. to five p.m.. Now Ms. Richards, I'm going to ask you a few questions here in order to verify your account because we do take your account security very seriously and this is really for you and your business' protection. Ms. Richards, are you OK if I ask you a few questions to verify your account?

utterance: Sure.

utterance: Ms. Richards, let me ask, what is your date of birth?

utterance: Ten eleven nineteen eighty-four, and my phone number is six seven eight two zero two four two five three.

utterance: well thank you for that, Ms. Richards, I appreciate that, I was just gonna ask for that next. but Ms. Richards, let me ask, what is your business address?

utterance: Ten seventy-five Layman's Court Smyrna Georgia three zero zero one zero.

utterance: All right, that again is ten seventy-five Layman's Court Smyrna Georgia three zero zero.

utterance: One zero.

utterance: One zero?

utterance: Yes.

utterance: All right, terrific, and Miss Richards let me ask what is your checking account number?

utterance: The checking account number is, you want the routing first?

utterance: no ma'am, just your checking account number with us, we already have our routing number.

utterance: OK, thank you so much. it's nine eight four six five nine.

utterance: OK, that's nine eight four six five nine?

utterance: Yes.

utterance: All right, and the final question to verify the account, Ms. Richards, what is the PIN number on your account?

utterance: Ten seventy-one.

utterance: OK, thank you for that, Ms. Richards, and see here.

utterance: Yeah, you know, I'll tell you, that was just terrible what happened at that musical event there in Texas.

utterance: Yes, it's certainly be making the news over the weekend and it is tragic to see so many young people, just people in general who lost their lives and were, or were injured at what should've been a fun event.

utterance: I totally agree, it was terrible.

utterance: it's it's unfortunate nowadays that sometimes it looks like shortcuts are taken and people who you think would have it together, don't have it together, and it puts others at risk.

utterance: I agree, it's very costly.

utterance: Very costly, I agree. now, Miss Richards, I was able to verify your account, and I see that you have a total checking account with us, and your account balance appears to be seventy-five thousand dollars.

utterance: OK great, seventy-five thousand dollars, all right, and I also, if you don't mind, I'd like to know what the quick liquidity ratio is?

utterance: Sure, you wanna know what the quick liquidity ratio is, is that for your business for the past month, the past quarter?

utterance: The last quarter.

utterance: OK sure sure, let me see if I can get this pulled up in the system and Miss Richards, it looks like for you over the last quarter, the past quarter you have a one point seven five quick liquidity ratio.

utterance: OK good, that sounds pretty good.

utterance: Yes, as you well know, the quick liquidity ratio, what it really does, is it measures your business's ability to meet its short term obligations.

utterance: Right, that is great. I like that.

utterance: And that would be, you know if you had to for instance, liquidate everything including your properties, your assets, your equipment, in order to service creditors.

utterance: Let's hope not.

utterance: Indeed, no you, the number you given is a healthy number, meaning that you have what from a financial perspective it takes to meet your short-term obligations with relative ease.

utterance: Great, I like that a whole lot.

utterance: Terrific terrific, and Ms. Richards, is there anything else I can be of assistance to you with?

utterance: No, there's not anything else today. I appreciate your help.

utterance: You're welcome, and by the way, would you want the ratio mailed to you on a statement?

utterance: Yes.

utterance: OK, and I know earlier you gave me your business address, is that also your mailing address?

utterance: It sure is.

utterance: OK great, we'll just send it then to your mailing address moving forward, or do you just want this as one time?

utterance: Just this one time.

utterance: OK terrific, I will go ahead and get that mailed out to you on your next statement, and is there anything else?

utterance: No, nothing else. I appreciate it again.

utterance: Thank you Ms. Richards for giving us a call and you have a great day.

utterance: You too, bye bye.

utterance: Bye.


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

utterance: Hi, this is Peter Davis. I'm calling now for the third time about my Gold credit card. I called up two weeks ago, last week and now again and I still don't have any confirmation of it.

utterance: Oh I'm sorry to here about that Mr. Davis. I'd be happy to help you. so what is it exactly that you're looking for?

utterance: If it's approved or not.

utterance: Oh your credit card if it's approved or not? OK just a minute, Mr. Davis.

utterance: I applied.

utterance: And I, yeah I don't confirmation.

utterance: Oh OK. just a minute, let me get to that screen.

utterance: Yeah, well I want to know the balance of my Silver credit card.

utterance: OK, Mr. Davis. just a moment please, let me get to that screen.

utterance: OK so the let me get your information. so you said your name was Peter Davis?

utterance: Peter Davis, yes.

utterance: OK. And your date of birth, Mr. Davis?

utterance: November four nineteen sixty-eight.

utterance: And do you have your PIN code on your account?

utterance: Yes, that's four times eight.

utterance: OK so eight eight eight eight?

utterance: Yes.

utterance: OK, Mr. Davis. And let's see, while we're in here you want to go ahead and update your email address?

utterance: yeah that's Peter sixty-eight Davis at Gmail dot com.

utterance: OK.

utterance: And my address is eleven hundred Maryland Street, Austin, Texas.

utterance: OK. That's the information we do have for you so there's nothing to update. OK, so you wanna know the available balance on your Gold card?

utterance: OK.

utterance: Yes. No on the Silver card.

utterance: OK, the silver card. OK it looks like your available balance is ninety-five hundred dollars.

utterance: And does that include the purchases of this week?

utterance: let me go look Mr. Davis, let's see. we have transactions on your account back to Monday.

utterance: OK.

utterance: would you like me to read those transactions for you?

utterance: No I just want to know are they included at that ninety-five hundred.

utterance: Yes,

utterance: everything that you have made purchases for beginning Monday. So yes, that balance does include everything up to this point.

utterance: OK.

utterance: OK because I need that that amount because I'm going to the F one race in Austin and I'm going there with friends, I'm giving them a party. I'm getting fifty.

utterance: Oh wow, Mr. Davis. Well, happy birthday early.

utterance: Thank you very.

utterance: Much.

utterance: OK, Mr. Davis, so let's see. Yep, so you do have the ninety-five hundred dollars available to you. OK, so you wanted to find out about the Gold credit card you applied for?

utterance: Yes.

utterance: OK. And so the Gold credit card, it looks like we have not received any confirmation on that one yet, whether you've been approved or not.

utterance: Oh that takes a long time.

utterance: Yeah sometimes it does unfortunately. Now we kind of are down employees right now due to covid.

utterance: Oh I understand, yes, yes.

utterance: So, yes.

utterance: Sometimes things are moving a little bit slow right now.

utterance: Yeah.

utterance: I'm really sorry about that, Mr. Davis. But I can put an expedite to speed this process up for you if you would like me to?

utterance: OK.

utterance: so let me make a little notation here that you've been waiting on this, that you are you going to be making a large purchase?

utterance: Yeah I'm I'm giving a great party so I need the enough of spades of money.

utterance: OK, Mr. Davis. Well when is your F one race?

utterance: That's next weekend.

utterance: OK, Mr. Davis. So let's see if we can get this pushed through and get your approval before then for sure. So as of now you do have the ninety-five hundred dollars available.

utterance: Yeah.

utterance: On the silver. So let's see so we gonna expedite it and we should have an answer back for you probably in two days, two business days.

utterance: Oh.

utterance: That's good.

utterance: OK, Mr. Davis, is there anything else on your account you would like to change? I noticed that your PIN code, it is the same four digits. Is that something you would like to change? Maybe make it a little bit more complicated so it's not so easy to use?

utterance: Yes.

utterance: That's OK.

utterance: OK, let me get to that screen. So I'm gonna wipe out the eight eight eight eight PIN code. And what number would you like to use now?

utterance: One one zero nine.

utterance: OK, one one zero nine. That's gonna be your new authentification number. make sure you realize this is only for when you call into the bank, it is not for any of your other cards. OK?

utterance: Yes.

utterance: OK, Mr. Davis. So I got that updated for you. the Gold credit card, we should have an answer for you back in two business days. And someone will either call you on the phone or you will receive the confirmation hopefully approval to your email address.

utterance: OK, and then I want to get rid of my paper bank statements. I have them by email.

utterance: OK.

utterance: OK, Mr. Davis. We'll get that set up where you can get the account set through email.

utterance: Yes.

utterance: OK, Mr. Davis. So we're going to send it to Peter sixty-eight Davis at Gmail dot com?

utterance: Correct.

utterance: OK, Mr. Davis. You'll be receiving all of your statements through email beginning next month.

utterance: OK, thank you very much.

utterance: OK, is there anything else we can help you with?

utterance: No, that's it.

utterance: OK, Mr. Davis. Well thank you for being a great customer of Intellibank. if you have any more problems let us know.

utterance: OK, bye bye.

utterance: Goodbye.


utterance: Thank you for calling Intellibank. Home of the smart savings and the low rate SBA loans.

utterance: Yeah yeah yeah, save the spiel, I've been on hold for like three hours.

utterance: OK Oh, I'm sorry to hear that. Well my name is Richard, what's your name sir?

utterance: It's certainly not OK, but my name is Sal.

utterance: OK Sal, well we'll see if we can't solve the issue, what's your last name Sal?

utterance: Sal Mackovich.

utterance: Sal Malkovich, well Mr. Malkovich how can I help you today?

utterance: Malkovic.

utterance: Malkovic.

utterance: I'm looking to try to get a bank statement here, you know I've been three, on hold for three hours I waited nicely, you guys finally answered the phone and now I'm not so nice, why? Three hours, think about it, three hours.

utterance: Three hours. OK, well let's see if we can't just make that get this solved in a short five minutes, how about that?

utterance: Let's speed it up.

utterance: All right, Mr. Malkovic, there is a four digit PIN number that is associated with your Intellibank account. What is that PIN number sir?

utterance: Seven seven three five.

utterance: Seven seven three five. OK great, gimme one second to pull this account up computers are running slow today. All right, Mr. Malkovic please verify your date of birth for me please.

utterance: Eleven fourteen eighty-five.

utterance: Eleven fourteen eighty-five, OK great, and the account that you're wanting this bank statement pulled from, what is that account number sir?

utterance: Pound two three six nine eight four nine three seven oh nine B S.

utterance: Nine B S.

utterance: Yes. B S.

utterance: Fantastic. All right grea- Oh, and I see you have been a member for some time now, you are a diamond checking account member.

utterance: Oh oh

utterance: Oh oh, coul- hold on hold on, I'm sorry, I'm sorry. Do you have dogs? Do you have dogs?

utterance: I don't. I don't have a dog no.

utterance: Maybe you might not understand understand here, but I my dogs are they they they're chewing each other up in the background I I need I can you can you hold on for one second?

utterance: Yeah, sure. Take care of it.

utterance: All right, could you hold? I'll be right back. Hold on.

utterance: Yes.

utterance: Woof woof woof woof dogs barking and fighting in the background hey, you quiet down hey sit, sit you. Stop it, I told you to stop it stop it, sit. Good dog, good dog. All right geez OK I'm back sorry about that, you know

utterance: Yes sir.

utterance: Animals, they're gonna do what they do.

utterance: Yes, they have a mind of their own.

utterance: So, where were we? Oh yeah my bank statement. Did you get it printed out already?

utterance: Yes.

utterance: Well, sir, before I print it out I wanted to make sure.

utterance: Cuz I

utterance: Thought I gave you enough time already.

utterance: Well you you gave me the information to look at the account. However I don't know what the range is for the bank statement that you're requiring. Are you wanting one week are you wanting one month, three months, are yo-?

utterance: Give me two months

utterance: Back.

utterance: Two months back. OK. All right, that information in two months. OK. So are you wanting this delivered to you through email or would you like us to mail it to you?

utterance: Back.

utterance: Yeah.

utterance: Yeah email's

utterance: Fine.

utterance: OK, so with email it's a twenty dollar charge. We send it in a PDF form, and it allows you to print it off as many times as you like.

utterance: Yeah yeah yeah, that's fine.

utterance: Can you please verify your email for me, sir?

utterance: Yes. That's S Malkovic at Gmails dot com.

utterance: S Malkovic at Gmails dot com, OK great. all right.

utterance: How long's this gonna take?

utterance: We will we will be getting it sent to you shortly, I'm typing up the email as we speak. So by the time we disconnect this call you should have your bank statement, just give me one second

utterance: OK.

utterance: All right, still entering this information for you sir. All right, is there anything I can help you out with?

utterance: No that's good, that's it.

utterance: OK fantastic, well I'm glad I was able to solve this issue for you sir, in the email that I've sent you, there will also be links to Intellibank dot com as well as our mobile app. So any other questions you have regarding out services feel free to get on our app and someone in our chat services will answer your questions twenty-four seven. So even if our branches are closed, you can get your questions answered, you should have the email in your inbox that has your bank statement.

utterance: OK.

utterance: And Mr. Malkovic. Is there any thing else I can help you with?

utterance: In there and it hasn't come yet.

utterance: Try hitting refresh.

utterance: Oh yeah, there we go, there it is OK OK I think I got it now.

utterance: OK, great. All right. So if there's nothing else then you have a great day, Mr. Malkovic.

utterance: All right, bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Eric Johnson.

utterance: Yeah, I I need checks and I need a risks specialist.

utterance: Wha~.

utterance: OK, yes sir. I would be happy to help you on that, let me just get some information on you. you said your name, please? And your date of birth.

utterance: Joe Willis.

utterance: Joe Willis. Mr. Joe Willis All right about All right. and Joe Willis, what is your address?

utterance: Four four five.

utterance: All right.

utterance: Block Avenue.

utterance: Four four five Block Avenue. Yes sir OK. All right about that and let me get your ZIP code.

utterance: Nine one four zero six.

utterance: Nine one four one six and then your last four of your social security.

utterance: Six six one four.

utterance: All right and last thing sir your driver's license.

utterance: Let me know when you're ready.

utterance: I'm ready sir.

utterance: Two seven eight.

utterance: All right.

utterance: Three three four five.

utterance: All right sir thank you so much and that is for our risk specialist. I'm going to take this information and send it on over.

utterance: And I also need.

utterance: To order checks.

utterance: All right, we'll do that ASAP sir. how would you like to conduct a risk specialist you can come in or would you like to have a via phone?

utterance: We can do phone.

utterance: OK phone. We have available times to speak with our agents. Monday at eight o'clock or Wednesday at two thirty or Friday at eleven.

utterance: Which one you think?

utterance: The one ASAP.

utterance: All right then let's go with the eight o'clock sir. All right eight o'clock on Monday. All right you'll be talking to James Johnson. All right I'll. May I have your email to send this over for you?

utterance: ready.

utterance: I'm ready.

utterance: Info.

utterance: Info.

utterance: At CCW.

utterance: At CCW.

utterance: Dot com.

utterance: Dot com.

utterance: And I need someone who's got some damn knowledge of something some training.

utterance: OK. All right sir.

utterance: Last.

utterance: Guy couldn't tell me fucking right from wrong.

utterance: Yes sir. Yes sir. now you said you wanted to order checks, correct?

utterance: Did you not hear me?

utterance: I'm OK. All right. Just making sure we're on the same page.

utterance: I'm here to order checks and I can have those checks into the address on file.

utterance: Oh OK, sir. All right. so going forward, I have your address here.

utterance: Y'all don't have a training program do y'all?

utterance: sir, you.

utterance: They just.

utterance: They just put y'all right in and have y'all get straight to it, don't they? No type of training period for y'all.

utterance: Yes, sir, we do actually. OK so would you would you like to order your checks sent to this this address here, sir?

utterance: I would love for that to happen that's why I'm calling.

utterance: OK, sir how many checks would you like to buy?

utterance: How many is a part of the standard package?

utterance: well sir you can get anywhere if the limit is about four fifty. Four hundred and fifty checks.

utterance: What order packages do y'all offer?

utterance: Well, you're in the platinum, so that's the top one.

utterance: OK. So how many would you like to be sent to that address?

utterance: I.

utterance: Think the four fifty if I'm a part of the the platinum package, right?

utterance: OK. All right. Well I ca~.

utterance: What's the point of.

utterance: Being a part of the platinum package if I'm gonna do the basic shit?

utterance: All right, sir. That's very true. let's move on. All right so I have the four fifty sending to the address on file correct?

utterance: Nice.

utterance: The that's only only address you got, correct?

utterance: All right. Yes sir. All right. So I'll send it over now and it is done. Is there anything else I can help you with?

utterance: Well at the beginning of this conversation I asked for us to set up an appointment with the risk specialist so probably just that.

utterance: Oh I did that first. that is the meeting at nine a.m. on Monday, sir.

utterance: And what is the.

utterance: And I agreed to that?

utterance: Yes, you did.

utterance: I'm not available at nine a.m. on Monday. I could do it Tuesday.

utterance: OK.

utterance: We don't have Tuesday remember it's only nine a.m. Monday ten thirty at Wednesday or eleven at Friday. So which one?

utterance: Can I speak to someone else, please?

utterance: sure. Yes sir. Let me let me drop down your information here. OK have everything and All right I will be able to send you over on down. no problem here sir. Is there anything else I can do for you before I send you over?

utterance: Well, I asked to speak to someone else so I'm pretty sure there's nothing you can do for me at this point.

utterance: OK. Well, I have all your information here I will be able to transfer to the risk specialist and they will get back to you shortly.

utterance: Perfect.

utterance: All right. Thank you for choosing Intellibank, where we choose the people and we're for the people by the people. And we do have a little special before you go.

utterance: Oh God.

utterance: For our.

utterance: Top tier.

utterance: Swear to God you need to get off this phone.

utterance: And you'll be great.

utterance: All right, sir. Well, thank you for calling. We are greatly appreciate your service, and we will. We love to serve.

utterance: Have a good one goodbye.


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

utterance: Hey Chelsea, how are you doing today?

utterance: I'm doing well how are you today?

utterance: I'm doing good. I'm find out what my credit card balance due is?

utterance: OK, no problem. What is your first and last name?

utterance: my name is William Johnson.

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

utterance: It's April.

utterance: Mhm.

utterance: Seventeenth.

utterance: OK.

utterance: Nineteen eighty.

utterance: OK, and what is your PIN number?

utterance: the PIN is oh four.

utterance: Mhm.

utterance: One seven.

utterance: OK, and when you're ready can I get your credit card number, please?

utterance: Yeah it's four one one four.

utterance: Mhm.

utterance: wait wait wait wait wait wait. I'm sorry I'm sorry sorry. wrong credit card.

utterance: Oh my gosh. No problem take your time Take your time.

utterance: All right. Yeah.

utterance: OK, here we go.

utterance: OK.

utterance: It's four zero.

utterance: Mhm.

utterance: Eight five.

utterance: Ok.

utterance: Three.

utterance: Mhm.

utterance: Oh.

utterance: Mhm.

utterance: Seven one. five five.

utterance: Mhm.

utterance: One six four oh eight seven.

utterance: OK, so that's four zero eight five.

utterance: Mhm.

utterance: Three zero seven one.

utterance: OK.

utterance: Five five.

utterance: Mhm.

utterance: One six.

utterance: Mhm.

utterance: Four zero eight seven.

utterance: Correct.

utterance: OK, perfect. OK, and you You wanna know the balance that you owe that's still on there?

utterance: Yeah You know Christmas is around the corner.

utterance: Yeah.

utterance: And you know we getting ready to get all the things for the business for you know the Christmas decorations and yeah, we kind of go all the way out over the top and we make a true winter wonderland. So we have to get started on that and get cracking because I can't believe Christmas is here.

utterance: Like where did the time go this year?

utterance: Wow.

utterance: I know right? What kind of business do you have?

utterance: Oh it's it's a retail business we do like clothes and stuffs like that.

utterance: nice. Very cool. What kind of like is it like women's clothing or.

utterance: It it it's men and women's. We do a lot of more like vintage style clothing. do some custom clothing and we have some really cool up and coming brands like local brands we try to support you know like the local businesses and industries and stuff like that and give them a shot to get you know into the mainstream public.

utterance: Mm.

utterance: Right.

utterance: Well, that's awesome. OK. So let me go ahead and tell you the balance on your account. It's five thousand six hundred and thirty-seven dollars and eleven cents.

utterance: OK.

utterance: Ooh, that's a lot of Christmas decorations. That's a lot of Christmas decorations.

utterance: And just

utterance: To let you know, so you're not your next your next payment is due in three weeks and that is for three hundred and ninety-five dollars.

utterance: OK.

utterance: And that's due in three weeks.

utterance: OK. So right before Thanksgiving.

utterance: Right, but you can always pay off the whole balance if you wanted to I don't know if that's something that you want to do or but just let you know yeah.

utterance: you know you know I I have a feeling at this time of the year.

utterance: Mhm.

utterance: Most people are not paying off their credit card balances before the holidays. They're probably racking up their credit card balances for the holidays and I'm gonna be in that same category.

utterance: Yeah.

utterance: That's true.

utterance: Yeah.

utterance: OK. All right, and so did you ever consider online banking? Cuz I see set you not up for that.

utterance: Yeah I I I've considered it.

utterance: Mhm.

utterance: I've been kinda scared about it. You know just not sure if it's a safe or secure situation. You hear of these nightmares and horror stories.

utterance: Right, I understand but our online banking is guaranteed secure. Can I. How do you feel about if I sent you over some information about it? That you could read up on it and educate yourself and then make a decision we can help you set it up If you decide. Would you would you wanna me to send you over any info on that?

utterance: Yeah I mean it can't hurt and like I can look into it more do some more research and.

utterance: Yeah.

utterance: you know I guess I can call back if I have any questions.

utterance: Absolutely, our customer service line is open until eight p.m. Eastern. If you ever wanted to go to a branch near you and speak to somebody in person we we love that but what is your email?

utterance: it's Bill Johnson.

utterance: OK.

utterance: Nineteen eighty.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK, and Mr. Johnson is that a capital B or is it.

utterance: Yes is it.

utterance: OK perfect. All right so I'm sending over that info for you right now. As I said if you have any questions give us a callback we're here until eight p.m. Eastern time.

utterance: OK.

utterance: And is like while I have you on the line is there anything else I can do?

utterance: That's everything.

utterance: All right. Well you have a great rest of your evening. Thank you.

utterance: You too. Thank.

utterance: You for your help.

utterance: Thank you. Bye bye.


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

utterance: Hi Beatrice! just calling up today to get a couple things done. I would like to schedule an appointment with a tax specialist. Really cool you offer that, did not know that until today. just got an email, so I'm I'm taking advantage of that, and and I wanna also get my quick liquidity ratio.

utterance: Oh! I'd be happy to assist you in all of those endeavors sir may I please begin with your first and last name?

utterance: Yes, my my name's Scott Travers.

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

utterance: Date of birth December tenth, two thousand. Two thousand.

utterance: OK. Thank you, and may I have your ID number. Either driver's license or passport fine.

utterance: driver's license is six four five, nine two, one one.

utterance: Six four five, nine two one one. Excellent. And can you please tell me the name of Oh!

utterance: Go ahead.

utterance: Can you please tell me the name of your favorite fairy princess, and the name of your favorite Disney character?

utterance: Oh! Wow! favorite fairy princess is you know, the the the the, the one, the help me out here! the you wanna start. come on, this is not my avenue! this I I can tell you what I put down, I don't know if it's right. is it is it Jenny?

utterance: yes sir, we do have Jenny down for you.

utterance: Princess Jenny.

utterance: From Forest Gump.

utterance: yep.

utterance: Yeah.

utterance: Princess Jenny .

utterance: my favorite Disney character's Mickey Mickey Duck. It's it's a hybrid mouse duck that I made in my mind.

utterance: Mickey Duck.

utterance: Yeah.

utterance: Oh, what that worked, thank you thank you so very much for that sir. So you said that you wanted to schedule which appointment again?

utterance: so I need a tax specialist appointment, but also I need to get my quick liquidity ratio.

utterance: OK. let's start with the tax specialist appointment. Did you want to do that in person or over the phone?

utterance: Oh! Let's let's go in person!

utterance: OK! may I have your ZIP code please?

utterance: Yeah, it's nine four three four four.

utterance: OK. It looks like you are closest to our Wilshire branch.

utterance: Got it.

utterance: So we have open availability this Wednesday, Friday and Saturday.

utterance: huh. All right I'll do I'll do Wednesday.

utterance: Wednesday, OK. Wednesday sounds great. the times that we have available on Wednesday are ten twenty a.m. eleven thirty a.m. and two p.m..

utterance: put me down for eleven thirty a.m. if you would.

utterance: OK. Eleven thirty a.m. this Wednesday, on at the Wilshire branch. And Aida will be assisting you.

utterance: Oh! I think I met her before.

utterance: Oh! Wonderful, OK.

utterance: Yeah, she's nice.

utterance: Yeah yeah, it's a very unique name so.

utterance: Uh-huh.

utterance: Yeah, OK so we'll go ahead and put you down for that. I will also send you an email confirmation just so that you can have that for your records.

utterance: Cool.

utterance: And what else did you say that you wanted to be assisted with again?

utterance: Ok. So I need my quick liquidity ratio. That's yeah we're do you, can you look that up?

utterance: Absolutely sir. your liquidity ratio for your your real estate assets?

utterance: Yeah. And the last two quarters.

utterance: Oh. The last the last two quarters, yes that would be two point five percent.

utterance: two point five percent huh? That's the last two quarters. What about what about the last quarter?

utterance: That would be at the same. Two point five percent.

utterance: aww. It just remained?

utterance: Mhm.

utterance: Oh well. I guess it's just a little bit of a stagnant market makes sense. Huh now got that appointment down, got my liquidity, yeah, so do you have any credit card offers right now you could tell me about? Just just real quick.

utterance: yes our platinum plus credit card which you actually qualify sir for sir, you have you have really great credit. you we we can get you started with that if that's something that you are interested in.

utterance: I I would think I'd have to think about it. So there's the platinum but then there's lower tiers too, right?

utterance: yes we we do have our gold plus and no other offers at this moment.

utterance: Oh OK. Well, could you just email me that info and I'll go over it in my own time and maybe give you a call back.

utterance: Yes sir, I'll go ahead and email you your confirmation for your appointment and thank you so very much for being a valued customer. Was there anything else that I could help you with today?

utterance: Let's see No. I think I'm good. Thank you so much though.

utterance: Oh, you're very welcome sir. Well thank you for calling Intellibank. You have a lovely evening, and take care.

utterance: All right, you too.

utterance: Thank you. Goodbye.

utterance: Goodnight.