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

utterance: Yes I'm trying to review over some possible loan options so I can buy a service truck for my business and it looks like a bunch of them have a requirement on them and I don't really know if I'll need those requirements.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So so you currently have an account with Intellibank?

utterance: I do. It's a checking account.

utterance: OK and when you say they that they have loans that have requirements can you explain to me what you mean by that?

utterance: Yeah so these loans have like thresholds and stuff on them so a lot of them require like a credit score or in a certain net income balance, and I have no idea what my score is or any of that stuff.

utterance: OK Jill. So, if you have an Intellibank account, what we can do for you is we can run your credit report and provide that report to you. Would that be something you'd want?

utterance: OK. You guys do that?

utterance: Yeah we do. Intellibank provides a free credit report to its customers every three months. I just need to get some information from you in order to do that.

utterance: OK. That's fine. That'd be perfect.

utterance: OK. So what is your account number Jill?

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

utterance: Ok Jill and what is the name of your business?

utterance: Yeah that's Johnson's Controls.

utterance: OK.

utterance: And Jill can I get your date of birth and your social security number?

utterance: Yeah that's March second nineteen eighty. That's my date of birth and then my social is three eight four two nine three nine zero zero.

utterance: OK and it looks like your account has a four digit PIN number on it for security purposes. Would you happen to have that PIN number that you could provide to me today?

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

utterance: All right Jill and what city and state are you in?

utterance: I'm in Kansas City, Missouri.

utterance: OK.

utterance: And Jill what is your street address in Kansas City?

utterance: It's five one two, Hoover Street and the ZIP code there is seven three eight, two zero.

utterance: OK and Jill what is your driver's license number and the state of issuance?

utterance: Yeah that's M nine three seven zero zero two zero zero and it's a it's a Missouri driver's license.

utterance: OK and can I also get your tax ID number please?

utterance: Yeah that's it's seven three eight eight two nine zero but it's a Missouri tax ID so I don't know if you need that or the FEIN?

utterance: no your Missouri tax ID should be fine and can you also tell me the address of the business?

utterance: Yeah that's eight three seven two, Heelshire Way and it's Kansas City, Missouri, eight three six seven two.

utterance: OK Jill and last just the last couple things for you. Can I confirm an email address for you as well?

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

utterance: All right Jill. So we provide credit reports from one of the three credit bureaus so those three credit bureaus are Experian TransUnion and Equifax Do you have a preference on where we draw that return or I'm sorry where we draw where we draw that report from for you?

utterance: I don't but is there one that's better than the other?

utterance: No, so they're all they all report equally, but it is possible each of the bureaus may have a different credit score for you and that's because basically because not necessarily everybody reports to the same creditor bureaus so it's possible that one of those credit bureaus may have information that the other one doesn't and vice versa.

utterance: OK then, let's just do Experian.

utterance: OK.

utterance: Give me just a moment to run that report for you OK? It may just take a few minutes so give me just a moment, OK?

utterance: OK. Does Intellibank let you do all three reports when they say every three months or is it just one?

utterance: yeah. So we can run, you mean all three reports from all three of the credit unions?

utterance: Yeah, that's what I meant. Can I do all three of them every time or do I have to space them out over that three month period?

utterance: No. So, we can do all three reports for you. did you want me to go ahead and run TransUnion and Equifax as well?

utterance: Yes if you would. That'd be great.

utterance: All right Jill. So give me just a moment OK to get all three of those. and then I'll get that emailed over to you to that email that you sent me. Did you just want me to just give you the scores off of each of them before I email those?

utterance: if you would just so I know then. I can write them down when you tell me.

utterance: OK.

utterance: So I've got Experian back and it looks like that score came back as a seven point six five.

utterance: OK.

utterance: And I'm gonna go ahead and I'm gonna email that one to you.

utterance: OK and will that email will it come from Intellibank?

utterance: Yeah. So the email will come from Intellibanking dot com and it should say something regarding your credit report in the subject line as well. Give me just a moment. OK, I'm gonna get that sent.

utterance: OK thank you. Are you here in Kansas City?

utterance: I am.

utterance: Is it snowing? Is it snowing there where you're at? I'm in the I'm in the northern end and it's snowing here. Just curious where you were at and if it was snowing as well.

utterance: I'm actually mid town and it is snowing here in mid town as well.

utterance: Not terribly bad but it's it's definitely snowing. I just took a glimpse out the window and it looked like everything was kinda starting to get covered in white.

utterance: Yeah. That's what I'm afraid of. I'm afraid it's going to just be one big mess of weather again.

utterance: but it's snowing pretty hard here but it's not really it's not really sticking or anything or or hard snow if that makes sense.

utterance: Yeah I don't know that we're gonna get like any major accumulation from this snow I and and and the accumulation doesn't bother me as much as like ice does so as long as we don't get any major accumulation I think we might be good.

utterance: Jill I don't want to interrupt you. Came in real quick but I have the TransUnion report back and I've got the score on that one if you're ready?

utterance: Yeah I'm ready, go ahead.

utterance: OK so that score returned as a seven point three for TransUnion.

utterance: OK. Thank you.

utterance: All right and that one has been emailed to you as well and the last one just came through for Equifax.

utterance: And that one is a seven point nine five, and Jill I do want to let you know that when the loan is processed the bank usually pulls credit from all three, and what they'll do is they'll choose the middle number for loan purposes. So in your case Experian I'm sorry, Experian would likely be the report that they would use cuz that one was the middle number. real quick here and that was a seven, nope that was a and what was your score on that was a seven point six five there on the Experian so you're at seven point six five is probably the number you're looking at since it's the middle number there.

utterance: I got all those reports emailed over to you. Was there anything else I could do for you today?

utterance: No. I think that's great. I appreciate it. I appreciate that Intellibank does support its customers very nice.

utterance: No problem at all. Thank you for choosing Intellibank. We enjoy we we really appreciate you and we enjoy your day.


speaker_role: Agent

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

speaker_role: Customer

utterance: Oh Brian yeah, I'm looking for information for my business commercial account.

utterance: OK, I can help you with that. let's just start by giving me your first and last name as it appears on your account.

utterance: James Martin.

utterance: Thank you so much James. And what is your four digit PIN?

utterance: Nine four six one.

utterance: And what is your bank account number?

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

utterance: OK. Oh and just a second here the system's taking a little while to find this. Sorry about that. How's your day going today?

utterance: it's OK. It's OK. This is just you know very important. Need to get that kind of the information for that business account balance coz yeah we have a couple large transactions coming through and just, just a lot of business coming in that we really need to need to make sure we're we're in a good position to be able to make those, make those moves.

utterance: I completely understand and I'm gonna do my best to help you with everything you need today. my system here is still loading. So please hold on for one minute. OK it is actually telling me that it cannot find that account number. could you please double check the account number and read that back to me?

utterance: Mhm.

utterance: sure I mean everything should be fine. I don't understand like how you can't find the account number. Does that does that happen often? I have it written down right in front of me and this is this is this is the account number that I have.

utterance: I'm sorry about that sir. It's just not pulling up so if you could. Maybe I entered it wrong. but if you could read that back to me one more time I'll put it back in and we'll go from there.

utterance: I just don't understand. OK let me. Would you hold on one second maybe maybe I'm looking at the wrong account. Maybe there's something different.

utterance: Absolutely.

utterance: Thank you.

utterance: OK let me see you know what? It's the last three digits are wrong. It's it's five four five not five five four.

utterance: All right could you give me that whole thing from the beginning one more time?

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

utterance: All right my system is loading. This will again just take a moment I'm sorry for the wait and the confusion today. while we're waiting for this to load, would you be interested in hearing about our online services?

utterance: sure yeah, that'd be great.

utterance: So you can now do everything online that you can do at a branch or calling in to our call center. All you have to do is go to Intellibank dot com, or download our Intellibank app at any app store for either Apple or Android and you'll be all set up. And then that way you won't have to call and you can just do everything from your computer instead of having to call in.

utterance: Excellent excellent that sounds great. I think yeah that'll probably help coz I guess my account will already be there and I wouldn't have to write it down and forget it and miss miss some of the information. Kev has that ever happened to you?

utterance: Oh all the time unfortunately.

utterance: Yeah I'm, I'm sorry I got a little got a little upset there for a second just kind of feeling I'm under pressure. Small business we've gonna move into a new spot in a bit. So I just need to make sure we have our money and the balance is correct and we can make that happen without even taking out any loans or do anything that might put us put us in a precarious situation, so.

utterance: Right. now, unfortunately, it is again telling me that this is the incorrect bank account number. So I am not going to be able to access your account.

utterance: Yeah, I feel.

utterance: Mm. OK. Wow then I I don't know. I'll have to, I guess I'll get back to you soon. I'll talk to with with my partners and see if if something's happened, something's changed. Maybe I just have the wrong information written down on this paper.

utterance: Well I am very sorry to hear that and I'm sorry that we couldn't help you. feel free to give us a call back at anytime once you double check that info. Or like I said you can do it online if that is easier for you. is there anything else I can help you with today?

utterance: nope not right now. Doesn't look like it.

utterance: Well have a very nice day and thank you for calling Intellibank.

utterance: Mhm.


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

utterance: I need to I need to, I need to pay someone from my business account like right now, I mean like, right, right now and I don't have time to mail them a check and them take that check and like it's like over my Venmo limit and then plus they don't accept Venmo and anyway I need to, need to somehow get money. To this other to this contractor like super duper fast.

utterance: OK, so we do have wire transfer, that's a service I can help you with once I get your information and get into your account.

utterance: OK, great.

utterance: OK, what's your first name?

utterance: My name is Lyle L Y L E.

utterance: Alright, what's your last name?

utterance: Davis, D A V I S.

utterance: What's your date of birth?

utterance: Eleven nineteen nineteen eighty-seven.

utterance: What is your bank account number file?

utterance: Three six eight eight seven four four nine eight three.

utterance: OK, so, I'm in your banking account and I see that there's twenty-five hundred dollars in here.

utterance: OK. Yeah, yeah.

utterance: Correct? OK.

utterance: and could you give me the information for the external account? The routing number please?

utterance: Yeah, the routing number is gonna be sixty-three eight nine seven eight ninety-four thirty-nine.

utterance: OK, what is the deposit amount you like to transfer?

utterance: Two thousand dollars even.

utterance: OK, two thousand dollars. Alright, so I am confirming that we are transferring two thousand dollars into the account number you have provided for me, correct?

utterance: The account number or is it the routing number? OK. Yeah.

utterance: The routing number you have provided.

utterance: Yes, exactly.

utterance: OK, do you need the account number too?

utterance: yes, please give me the account number, sorry about that.

utterance: OK, yeah no problem at all. It's eight six three seven nine four eight three nine seven.

utterance: OK. Great. OK, so I have that information, and once again I'd like to confirm that we are transferring two thousand dollars from the account number you provided with the routing number do you confirm that this is a transfer you are OK making today?

utterance: Yeah, yeah I mean but before I confirm, I need to know like when those funds are gonna be available because I need this to go through like right, right, right now, like like super duper right now.

utterance: Yeah, Intellibank's wire transfer is pretty immediate, so it should be in there within the next few minutes.

utterance: Oh OK, and what kind of confirmation will they get like are they, are you gonna like give them a call or a text message or should I call him and tell him that you now, like the that the money's gonna be there, like how, how, how we do this, because like, I need this to go through like super fast and and like you know, I gotta trust me if I'm like, yo, get started. and you don't have the money yet, but trust me, it's coming. You know, like how do I let him know that like hey the money's in your account, like right now.

utterance: Yeah.

utterance: Right.

utterance: Yeah, no, no I, I hear that for sure so what happens is I would transfer the money, I would let you know that it's in your account by the time we get off this call. I can also send you an authorization via text or email or however you want, verbal. You tell me, and then at that point, if you like to tell your friend if you'd like to have us contact them, that's something we can do as well. So you just tell us what works for you.

utterance: Yeah, I think that that would work best if you could, if you could just send both an email, a text message and also call him on his phone. And you don't do social media or anything like that, do you? Like could you tag him on like Twitter or?

utterance: No.

utterance: No, that's not something we really do, but thank you for asking, maybe in the future, that's a service we can have, that's a good idea.

utterance: Yeah, yeah, that might be, but in the meantime you can, you can shoot him a text and that way you can corroborate what I'm that, like hey, could you transfer two thousand dollars wire transfer, and he knows that it's not like some scam or something that I just had like somebody send him a text from a number being like, hey congratulations you have two thousand dollars good, you know?

utterance: Yeah, I mean generally what we do is, I mean, we could send him an email if that's something you authorize us to do? But generally his banking institution should give him notification that it is in there, so if he checks his account he should be able to recede that it is in there as well. But if as a customer because Intellibank, we really value our customer service I mean, if that's something you want us to do, we do offer that an provided service.

utterance: Oh.

utterance: Oh I see, OK, so he can just check his account and then it has two thousand more dollars in there, and boom!

utterance: Yes.

utterance: Exactly.

utterance: Yeah. You mentioned Venmo in there earlier, that is something, you know, with Venmo you could see it right away. If he's checking his account, he should see in real time as well.

utterance: Right.

utterance: OK, excellent. Thank you very much, that'll work.

utterance: OK, great. Well, is there anything else I could help you with today?

utterance: No that outta do it, we're gonna get to work on this project.

utterance: OK, cool. well once again, my name is Sara, thank you for calling Intellibank and have a great weekend.

utterance: Thank you, you too.

utterance: Thanks.


utterance: Hello thank you for calling Intellibank this is Franklin how may I help you today?

utterance: Hello Franklin I I have an through Intellibank. With my small business but I I'm gonna move locations move states even and I think I might even change my business name and I'm going to need a new corporate credit card and hopefully real estate loan for my new place California. And just seeing if these are things that Intellibank can help me with.

utterance: Absolutely, I can help you with that today.

utterance: Great.

utterance: I I'm assuming you are already an Intellibank customer? Great. So would you have ones that you can apply for and I can get an application in for a new corporate credit card. I. Let's start by pulling up your existing account. And to do so I'm just gonna need to ask you a couple of questions. Starting with what is your full first and last name as it appears on the account?

utterance: Yes.

utterance: OK.

utterance: OK my last name is Rosenthal R O S E N T H A L my first name is Elliott has two Ls and two Ts. E L L I O T T.

utterance: All right thank you Mr. Rosenthal and I'm going to need your street address that we have on file here that you're at currently.

utterance: It is six three six Bluebird street It's one word Bluebird and masenastraut two one nine three nine is the ZIP.

utterance: That's Tennessee?

utterance: Yes.

utterance: All right I'm gonna need the last four of your social security number.

utterance: It's two one three five.

utterance: And finally your four digit security pin.

utterance: it is five one two two.

utterance: Great. All right well thank you for being an Intellibank customer. And if you'd like I can go ahead and begin the application process for both the corporate credit card and the real estate loan. I just need to get some pieces of information from you.

utterance: Oh first. Before you do that I mean what do you suggest, do you suggest that I keep the same account for the two companies or do you think I should have two accounts for two companies. What do you think works better? They're definitely separate entities I mean if they're separate

utterance: It's still me.

utterance: I would open up a new business account.

utterance: OK.

utterance: Because your new business is going to have a separate tax ID number.

utterance: Right.

utterance: And you need loans or corporate cards that you are going to apply for are going be based off of that tax ID number and not the tax ID number for your current business.

utterance: Mhm.

utterance: Right but I was thinking you know maybe because you know my company is doing really well, I also don't like wanna appear like like this is my first rodeo it's like all the hard work I've done to establish a good credit score and like make it so that I would get this loan and a new credit card I don't wanna start again at zero you know it's so that's the other concern is if I start out brand spanking new like a freshly born child they may turn me down whereas if they see how successful I've already been with my first business it might be smooth sailing, like you know can we give you more money because you've obviously done well for yourself.

utterance: Then I would recommend keeping it as one business. And applying for the loan and the card under your existing business.

utterance: Mhm.

utterance: Mhm.

utterance: Yeah I mean it's really my ass on, sorry it's my name on the line, my reputation, and so you know might as well use my clout a little bit and then if I decide, oh, you know I will separate them that can happen after I get those things.

utterance: Yes.

utterance: You know. I can make the switch then.

utterance: So.

utterance: Would like to go ahead and start the loan process today?

utterance: It's better to put the the horse before the cart you know?

utterance: I think I understand.

utterance: Yeah so yeah I think you've answered my questions very well I just think yeah I think I'm gonna take your advice and I'm gonna open it under my old business name and then I'll make the switch after. So thank you so much for help, I think that's really smart.

utterance: you are welcome. Is there anything else I can do for you today? All right thank you for calling Intellibank. Have a lovely rest of your day.

utterance: That's it thank you.

utterance: You too thanks.


utterance: Thank you for calling Intellibank. How may I help you?

utterance: Hello, how are you doing?

utterance: I'm doing well, Sir. How can I assist you today?

utterance: well, my name is Shawn. Shawn Efforts. And I need to I need to go ahead and jeez, I forgot like it just went out of my head. I I need to pay my I need to pay my credit cards. That's what I need to do.

utterance: Great. I can assist you with that, Sir. can you spell your last name for me?

utterance: you said my last name?

utterance: Yeah, you said that I could, you said Shawn Efforts. Is that correct? How do you spell that?

utterance: Yeah Efforts. Yeah Efforts.

utterance: E F F oh R T S.

utterance: Got it. Thank you. And your date of birth?

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

utterance: Great. And can you give me the card number that you're looking to pay today?

utterance: Yes. I am actually looking the card number is six one five four forty-three thirty-three eleven thirty-three seven seven zero seven.

utterance: Great. And expiration date?

utterance: Expiration date is zero two twenty-five.

utterance: OK. And can you tell me the three digit code on the back?

utterance: Yes, it is zero two one.

utterance: Fantastic. And what's the Pin number associated with the account?

utterance: One one one one.

utterance: Got it. Thank you, Mr. Efforts. So I see that your account balance due is six thousand three hundred and sixty-three dollars. Is that correct?

utterance: it might be, it might be. let me, yeah yeah yeah yeah yeah that's it. That's it.

utterance: OK.

utterance: You can always go online and enter this information to look up any transactions or check your balance. So I just want to make sure that you have all the information you need to make a payment at this time. Are you, would you like to be paying the full balance?

utterance: OK.

utterance: OK.

utterance: Yeah, I'll take the full balance. I think that would be really cool. wait, this is is this capital? Capital bank?

utterance: No.

utterance: Sir. This is Intellibank.

utterance: Oh, shoot. I kept thinking this was. Oh, man, I had it on my notes. I'm I'm sorry about that. That's why, that's why things wasn't working the way it was supposed to work. I was over here on the wrong website trying to get to my wow.

utterance: That's OK sir.

utterance: That will make Sense. Yeah. Ha. No problem sir. It happens, it happens to the best to the best of us.

utterance: I'm so sorry about that. Stupid me.

utterance: Jeez.

utterance: Need to pay attention. Oh man.

utterance: Uh-huh.

utterance: So of the six thousand three hundred sixty-three dollars would you like to pay the full amount or partial payment?

utterance: Yeah.

utterance: I think full amount would be better cuz I don't, there's no need for me to keep making these payments on here. I would just like to be done and handle up and do that so.

utterance: Got it.

utterance: Great. And can you give me a a payment source? A checking account or another credit card that you'd like to use to make payment today?

utterance: Yes, yes, the the, you said the what, what what do you need?

utterance: I need a checking account or a different credit card to pay this credit card.

utterance: Oh checking account.

utterance: OK.

utterance: Yeah, the checking account the checking account is four five one three six three seven seven eleven.

utterance: OK. And the routing number?

utterance: Routing number is three five five eight two nine two.

utterance: Got it. Thank you. And the effective payment date will that be today or?

utterance: Yes. Oh, actually, well, is it OK if I can do it tomorrow actually? Start tomorrow?

utterance: OK.

utterance: Sure.

utterance: Sure. I can enter for tomorrow.

utterance: I think that would be better. Yeah.

utterance: OK.

utterance: Got it. So that will be starting on November fifth.

utterance: OK. Cool.

utterance: Got it.

utterance: Perfect,

utterance: Perfect.

utterance: Excellent. so that payment has been processed. Is there anything else I can assist you with in your account?

utterance: no, not at all. I think everything is good.

utterance: Excellent. Well, you can always go online to pay this and you can also go online to set up an auto pay so you don't need to remember every month. You can just have that on the first of the month or whatever date you chose for an automatic payment to occur for the full balance or any partial payments and that's one you can set up just by going to Intellibank dot com. Is there any other information I can give you regarding your account?

utterance: no, man. I think you've been a blessing but it's it's definitely funny how we're moving away from interaction to people. Everything's online now. God believe, man, there's no human interaction, man. It's all digital, it's all computer based now. So yeah, I miss the old days, but thank you so much. I greatly appreciate your help. think you answered all my questions. And we're good to go.

utterance: Yeah.

utterance: Well I appreciate you, and

utterance: Whenever you want to here a human voice you call right back in.

utterance: And thank you so much, man. Appreciate it.

utterance: OK, thanks.

utterance: Have a good day now and please let us know if there's anything else we can assist you with.

utterance: Yes, Sir. Will do.


utterance: Hi. This is Dani Brooks with Intellibank. How can I help you today?

utterance: Hi. I'm calling because I I'd like to get an SBA loan.

utterance: OK.

utterance: For my restaurant.

utterance: OK. let me see what I can do for you today. I think we should first start by pulling up your account and just.

utterance: Oh.

utterance: Sure. That that that would probably help. Yeah.

utterance: OK. Can I start with getting your first name?

utterance: Yeah. Yeah. So it's it's Jorge.

utterance: Jorge.

utterance: Jorge Rodriguez.

utterance: I'm sorry can you repeat that?

utterance: Jorge Rodriguez.

utterance: OK. And that's Rodriguez with a Z?

utterance: Yes.

utterance: OK. Perfect. And let me pull up your account so I can check on that for you. can I have your account number please?

utterance: Yeah, it's essentially it's four three five eight nine nine five seven four four three two nine seven four zero.

utterance: Nine seven four there. OK. So that's four three five eight nine nine five seven four four three two nine seven four zero.

utterance: Yeah.

utterance: OK. Let me.

utterance: So I have this like incredible vegan tamale stand in in in Ecua Park and it's like it's it's it's really getting quite popular and we're looking to to to expand. I mean well we have a couple of a couple of little you know like local little carts but we're looking to expand. We have like, you know, our our our little neighborhood restaurant but we're looking to actually expand and get a food truck. And so the reason that we'll get this loan is cuz we wanna fund this food truck because, you know, there's a lot of big food events this fall and and we want to be a part of that and so. Yeah I I was hoping that I could secure a loan.

utterance: Of course. We'd love to help you out with that. so I'm going to pull up your account and help you through the process of applying but first we're going to need to verify your net income because the application is going to ask you that.

utterance: Yeah.

utterance: Oh, OK. Sure.

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

utterance: OK.

utterance: OK. What's your birth date?

utterance: birthday is fourteen of August nineteen ninety-three.

utterance: OK. August fourteenth nineteen ninety-three?

utterance: Yes. Yes, it is.

utterance: OK. And can I get the last four digits of your Social Security number?

utterance: Oh, yeah yeah yeah. Hold on. Hold on. Let me. Let me. Let me go Let me go check. Wait. It's it's four three two one.

utterance: Four three two one. OK. And you input some security questions when you set up your account and so I'm gonna go ahead and just ask you those right now.

utterance: Yes.

utterance: OK. What is your favorite food?

utterance: Tamales. Clearly.

utterance: Of course.

utterance: Vegan tamales, obviously like.

utterance: OK. Yes. And what was your mother's maiden name?

utterance: Maria De Jesus.

utterance: And could you spell that for me?

utterance: Maria. M A R I A. De. D E. Jesus. You know, like Jesus.

utterance: Oh. Of course. OK. Perfect. I'm in your account now. I'm just gonna pull up the information. Just one moment please.

utterance: OK. Thank you.

utterance: OK. So your net income for this year was four hundred thousand?

utterance: Vegan tamales are selling. Selling like hot tamales. Have you heard that? That phrase?

utterance: Congratulations.

utterance: Thank you. Do you like Tamales?

utterance: I do. I do like tamales.

utterance: Gonna send you some tamales after after this.

utterance: That would be lovely. Thank you. OK. So you expressed interest in applying for a Small Business Loan?

utterance: Yes.

utterance: OK. So, what your first step to do would be. You can go on our website and pull up our online calculator and that'll let you put in your information. It'll tell you what type of loan you qualify for and about how much you could potentially get for the loan.

utterance: OK. Yeah. I think I need like seventy-five thousand. But you know. If fifty thousand was the minimum, I mean, we could get to that too but all right. So I just log in, I submit it and then and how long will you respond?

utterance: OK. Well, that's just the calculation part. So that's just giving you an idea of what you could get before you even apply. And so if you did decide that you wanted to apply, you go on, there's a little tab underneath that says apply for a loan, and you click that, you put in your information, including your net income, which you just found out about, and once you submit that it usually takes us about two business days to give you a phone call back, but you should get an email immediately saying that we received your application.

utterance: OK.

utterance: OK. Perfect. So what I'm going to do is I'm I'm going to submit it and if there's any problems I'll call you back.

utterance: OK. Great.

utterance: All right. Thank you so much for all your help.

utterance: Of course. Have a good day.

utterance: Gracias.


utterance: Thanks for calling Intellibank.

utterance: Hello.

utterance: Hi, how can I help you today?

utterance: I just need to check my credit card due balance.

utterance: Sure. Your due balance. Of I just need your credit card number.

utterance: Mhm.

utterance: All right. Oh, jiminy. I'm gonna have to go and look for the card.

utterance: Yeah, we definitely need that number.

utterance: OK.

utterance: OK.

utterance: I'll go find it.

utterance: OK, I'll be here.

utterance: Hello?

utterance: Hello?

utterance: So, I wasn't able to locate my card.

utterance: well unfortunately, we can't do anything.

utterance: So can't

utterance: Check in me check me in another way?

utterance: I, I, I, sure can't. I'm sorry.

utterance: OK.

utterance: That's the account number we need.

utterance: Mhm.

utterance: You wanna go look again?

utterance: yeah, I'll go look real quick.

utterance: OK.

utterance: Hello?

utterance: Hello?

utterance: No, I can't.

utterance: Well, unfortunately, we won't be able to help you today.

utterance: OK.

utterance: But, you know, you can call us back when you do have the card.

utterance: Uh-huh.

utterance: Or you can go to our online banking at Intellibank dot com.

utterance: Oh.

utterance: OK. Yeah. And.

utterance: You just set

utterance: Up an account there with a PIN number.

utterance: Yeah?

utterance: Mhm.

utterance: And then?

utterance: and then, just take it from there. You've been online before, haven't you?

utterance: Yeah.

utterance: OK.

utterance: So probably. I'll probably just go with that then.

utterance: OK, very good.

utterance: So, what else?

utterance: Well, if that's all you got, that's as far as we can help you today. Have a good day, and thanks for calling Intellibank.

utterance: Mm.


utterance: Hi, this is Lisa. Thank you for calling Intellibank.

utterance: How may I help you today?

utterance: Hi Lisa, my name's Bryson. I'm calling cuz I'm. I want to. I got a notice about my rate being increased and I want to know what the heck that is all about.

utterance: OK Bryce, I'd be glad to help you with that. you got a notice that you had a rate increase on one of your accounts and you wanted more More clarification on that.

utterance: Yes, on my only account.

utterance: OK. Bryce let me get a little bit of information from you so I can best help you here. how are you doing today, Bryce?

utterance: not too well to be honest. I'm extremely frustrated, but I'm I'm trying to, you know, keep a positive mind, positive attitude. Trying to stay grounded and see things from different perspectives. Know what I mean?

utterance: I do know what you mean and when we have some frustrations that's that's definitely the way to handle things.

utterance: Yes, it's much more mature than just punching people in the face, right?

utterance: I would agree with that, but I know that we all have days that we're very, very frustrated.

utterance: Well I hope, Bryce, that I'll be able to help you today.

utterance: let me go ahead and input this here, Bryce. Do I spell your name B R Y C E?

utterance: That's right.

utterance: Great, and Bryce, can you spell your last name for me?

utterance: Yes, it's E L L I S.

utterance: Nice Ellis. OK, very good, and may I have your date of birth?

utterance: Five twenty-four eighty-seven.

utterance: OK. I'm sorry, my screen is freezing. Just one moment.

utterance: No problem.

utterance: OK there we go. Fortunately it unfroze pretty fast. We've been having little technical difficulties today. by the way Bryce, just checking. Can you hear me clearly? .

utterance: Yes.

utterance: OK, very good. Just just with the technical difficulties wanted to make sure, and is there. You said there's just one account that you have with us. What is the account number?

utterance: I'm not actually sure. I have a couple of numbers you could probably try.

utterance: OK.

utterance: can you try this one? it might not be it. But nine one nine eight two six.

utterance: Sure.

utterance: Nine one nine eight two six.

utterance: Yes.

utterance: OK. One moment while I input that.

utterance: If that one doesn't work you can try nine one nine eight two five.

utterance: OK. I'll be if if this doesn't work I I will I will grab that number from you. I'm just waiting for this here to load.

utterance: Nine one nine eight two six is not pulling up anything for me. Let's go ahead and try the next number.

utterance: Same number except there's a five at the end except except for the six. Instead of the six.

utterance: Yeah.

utterance: OK. So nine one nine eight two five.

utterance: Yes.

utterance: OK.

utterance: OK. I do have that here. Nine one nine eight two five and I see here that that is the Intellibank Smart Savings that you have with us. OK. is. I know that you had some questions about your rates. Did you have any questions about your balance or anything here?

utterance: yeah, you could confirm my balance.

utterance: OK. The balance that I see here is nine thousand six hundred forty-seven dollars and twenty-nine cents.

utterance: OK.

utterance: OK. Now you said you received a notice. Was there something that you received in the mail? .

utterance: Yes.

utterance: OK, and what what was the notice or how can I, hopefully, clarify this for you?

utterance: Well I don't. I don't have it with me now, but I just know that it said that my rate was gonna increase.

utterance: OK.

utterance: And yeah, that would not be very great for me so.

utterance: Sure

utterance: I'm looking.

utterance: Mm.

utterance: I'm sorry, go ahead.

utterance: I was gonna say, can you see how much it increased by?

utterance: Give me one moment. I just need to pull the information up based on the notices that go out to our customers.

utterance: OK.

utterance: OK.

utterance: Yes, I do see that there. the increases. It went from eight point seven five percent to nine point one five percent and that will be effective starting on November first of this year.

utterance: OK. Well I just wanna go ahead and close that account then.

utterance: Oh I'm sorry to hear that. is there something that I can do to help you keep your account with us?

utterance: no that's fine. I'd just like to close it.

utterance: All right well I'd be glad to do that for you and since that's your only account what will you be. Will you be coming into the branch to pick it up? Will we be mailing you a check?

utterance: No I just wanna transfer the funds to my own personal account.

utterance: All right. To a. Doing a wire transfer.

utterance: Yes.

utterance: All right. May I have the routing number?

utterance: Yes it is. one second.

utterance: It is eight one seven three two six zero seven nine. and the account number is two one six six three two and if you don't need anything else can you just like confirm that that goes through and I I have to go.

utterance: OK.

utterance: Sure.

utterance: Sure. absolutely. It's K~

utterance: It is confirmed. You'll have your funds by tomorrow end of business day.

utterance: Great. Thank you so much.

utterance: You're very welcome. I hope you have a better day. Thank you so much for using Intellibank.

utterance: Thank you.

utterance: You're welcome. Bye bye.


utterance: Good afternoon, my name is Valissa. Thank you for calling Intellibank. How may I help you today?

utterance: Hi I get my checking statements mailed to me every month but I need to change the method in which they're delivered.

utterance: All right I'd be glad to help you with that. May I get some information so I can pull up yours information in the system?

utterance: Sure.

utterance: OK. Mm what is your name please?

utterance: Simone Baker.

utterance: S I.

utterance: M O N E. Last name Baker like bake a cake.

utterance: OK.

utterance: And Simone may I please get your date of birth?

utterance: four two nineteen eighty-one.

utterance: OK and the four digit PIN number associated with your accounts?

utterance: Oh I didn't know you were gonna need that information. Can you hold on I'll go get it?

utterance: All right.

utterance: Thanks.

utterance: OK. Ready?

utterance: I am.

utterance: my. The PIN of my checking is two seven one zero.

utterance: OK two seven one zero.

utterance: Do you need the checking account number also?

utterance: not unless you need to access the account.

utterance: no.

utterance: OK. And just so you know Ms. Baker, this PIN number actually can access any of the accounts that you have with us. It's just a security PIN to let us know that it's you when you call.

utterance: OK.

utterance: Right.

utterance: All right and you said that you would like to change your delivery method?

utterance: yes I'd rather have everything emailed to me.

utterance: OK and I'm just checking here looks like you have several accounts with us. You have your business total checking. You have your business silver credit card with us and your smart savings account and I'm just checking the system here it looks like they all get sent to the same address all of your statements.

utterance: Mhm.

utterance: So would you like all of these accounts to be changed over to email delivery? Paperless?

utterance: yeah actually that would be thank you.

utterance: All right.

utterance: Just give me a couple of minutes to process it because I'll just be generating that for each one of your accounts. All right so and if you can just verify the address that we currently send so I can delete it.

utterance: OK.

utterance: OK.

utterance: it's four two seven six South Wilshire Boulevard number two eighteen L A California nine zero zero one seven.

utterance: OK.

utterance: Very good and I I'm sorry I should just verify when I said delete it not that we're deleting your address, just deleting it as a a delivery system.

utterance: Right.

utterance: All right. So let me just go ahead and put that in. You're gonna hear a brief silence up to thirty seconds because I'm going to be doing this on all three of your accounts.

utterance: OK.

utterance: One moment please.

utterance: OK I am back. Thank you so much for your patience. I do appreciate it. just to let you know the credit card, the checking and the savings I have deleted paper bills to all of those. For all of those accounts. and now at. Let. Can you please verify the email address that you would like your statements sent.

utterance: Simone Baker at Yahoo dot com.

utterance: OK, let me I'm sorry. Give me one moment, my system is freezing.

utterance: Mhm.

utterance: All right. We have a different email address on file for you. let me know if you'd like to keep this as an alternate or if you'd like me to delete it entirely. What I have is I love to bake at Gmail dot com.

utterance: That's funny. I forgot I had that email address. yeah if you could just update it to Simone Baker at Yahoo that would be great.

utterance: OK.

utterance: Great I'll just delete that. One moment, please.

utterance: OK. And just to double check is Simone Baker all one word or is there a period between Simone and Baker?

utterance: all one word.

utterance: Oh OK and you said it was at Yahoo dot com?

utterance: Correct.

utterance: All right All right that has been updated. Is there anything else I can assist you with today?

utterance: No that's it. Thank you.

utterance: Thank you so much for being a loyal Intellibank customer and have a great day.

utterance: Thanks.


utterance: Good Morning. Thank you for calling Intellibank. How may I help you today?

utterance: Good Morning, what is your name?

utterance: Hi, my name is Martin.

utterance: Hi Martin.

utterance: Martin, yes it's Martin. How may I help you today?

utterance: Oh simple change I'd need to make for my account.

utterance: Sure.

utterance: Mhm.

utterance: What's the change?

utterance: I just would like to update my email address.

utterance: Oh that's a super simple request. Well do you have your account number?

utterance: Well I do but I wasn't expecting you to ask for that so I'll just go get my card.

utterance: OK.

utterance: OK. All right and I got it, so.

utterance: All right.

utterance: My account number is two one three four two three four three four two.

utterance: OK. And your name?

utterance: My name is Lee Tell.

utterance: Lee Tell.

utterance: Espinoza.

utterance: Espinoza.

utterance: Mhm.

utterance: Lee Tell Espinoza. All right Lee Tell do you have your your date of birth?

utterance: Mhm.

utterance: Yeah, it's six seven twenty, six seven seventy-two.

utterance: All right and we're just updating the email address?

utterance: Yeah.

utterance: And what's the new email address you'd like to change it to?

utterance: Rainbow sprinkle at I cloud.

utterance: Rainbow sprinkle at I cloud?

utterance: Mhm.

utterance: Cool.

utterance: Thank you.

utterance: No worries.

utterance: Do you like that name?

utterance: It's a great name, rainbow sprinkle?

utterance: Yeah.

utterance: It reminds me of my childhood.

utterance: Oh what specifically about your childhood?

utterance: my Dad used to give me rainbow sprinkles and then take them away from and run away and never come back.

utterance: Oh, so that's reminding you of some trauma?

utterance: Yeah.

utterance: I was hoping it would remind you of like eating a healthy ice cream sundae with vegan rainbow sprinkles on it.

utterance: Oh it does that too.

utterance: Oh, well I have a small business and I have multiple locations where we do offer vegan sundaes with rainbow sprinkles on it.

utterance: Oh cool.

utterance: Yeah what where are you located?

utterance: I'm located in Baghdad.

utterance: Oh.

utterance: What's going on, you don't have a location here?

utterance: Not yet but now that you mentioned it, it might be the perfect place.

utterance: I mean it's in the middle of the dessert.

utterance: People, do you think it would be well received there?

utterance: I think it would do all right.

utterance: Yeah?

utterance: Yeah I think it would be OK.

utterance: OK, hm something to consider. going international with this small business I have.

utterance: Yeah.

utterance: Hey do you think that do you think your bank would be able to support that expansion of my small business like.

utterance: Well it depends on, yeah we can we can provide the loans, it depends on how much you're looking for, your credit history and what not.

utterance: I think my credit history is pretty good.

utterance: OK, well see if you you qualify for a SPA five oh four loan.

utterance: OK can you check it out for me? Thank you Martin.

utterance: Sure.

utterance: OK I've checked it out and you are pre-approved for one.

utterance: Oh pre-approved all right that sounds fantastic.

utterance: Yeah.

utterance: What do we do from here?

utterance: We fill out the paper work and I transfer you over to the finance department and they'll take care of everything for you.

utterance: OK great, let's get it going.

utterance: All right we're getting it going.

utterance: You'll be eating a a sundae with rainbow sprinkles before you know it.

utterance: There you go.

utterance: Yeah you'll be feeling much better and your trauma will likely be resolved.

utterance: Well I hope so.

utterance: Me too.

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

utterance: Oh well don't we need to fill out the paperwork?

utterance: Oh yeah of course yeah sure no I'll see here that you are approved.

utterance: So?

utterance: Yeah you're approved for

utterance: Wow!

utterance: Ten twenty grand.

utterance: That's great twenty grand?

utterance: Yeah.

utterance: I don't know if that's gonna be Oh OK is there like a loan financial advisor I could speak

utterance: Yeah. Would you

utterance: Like me to transfer you ma'am?

utterance: Yeah.

utterance: Perfect.

utterance: Hold on I I I just tried to transfer you.

utterance: I'm just so excited.

utterance: Oh you heard me laughing?

utterance: No I'm trying to transfer you and the the line was busy.

utterance: Oh OK I was just really excited and like having a moment of excitement to myself. If I thought you were transferring me.

utterance: Oh no of course I was trying to but you know, like I said it was busy. He must might be talking to his wife. Let me try again. Bye.


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

utterance: Yes, I would like to know the net income for my current business account please.

utterance: All right, sir. I can certainly help you with that. But, first I have to get a little bit of information so I can look up your account. Is that all right?

utterance: Yes.

utterance: OK, sir. So, first of all I need your first name.

utterance: Yes. My first name is Gabriel.

utterance: Is that Gabriel G A B R I E L?

utterance: Yes.

utterance: All right, sir. Can I get your last name please?

utterance: Robinson.

utterance: All right. So, you, Mr. Robinson, Gabriel Robinson.

utterance: I have your information down here.

utterance: could I get your date of birth please?

utterance: Yes. My date of birth is ten twenty-four nineteen seventy-four.

utterance: All right. You said ten twenty-four nineteen seventy-four. Is that correct?

utterance: Correct.

utterance: OK, sir. Could I get your PIN please?

utterance: Yes. My PIN number is four four nine five four nine.

utterance: OK, sir. You said four four nine five four nine. Is that correct?

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

utterance: All right, sir. And you said you were calling to get the net income of your business account with us.

utterance: Yes.

utterance: could you give me the time period you would like that net income for, sir?

utterance: this quarter.

utterance: All right. So, you want this quarter's net income?

utterance: Yes.

utterance: That is currently October through December so you want the amount so far.

utterance: Yes, so far.

utterance: OK, sir. Thank you so much. Just give me one moment while I look up the information on file here.

utterance: OK.

utterance: So, how's your day going so far? Having a good time?

utterance: Oh yes, sir. I'm having as.

utterance: Working?

utterance: As much fun as I can have at work through the day. We actually had a pretty good day today.

utterance: I know it's got to be fun working for that company, huh?

utterance: Oh yes, sir. One of our long time employees is just retired today, so we actually had a pretty good going away party for her.

utterance: Wow. Wow. So you so you next in line for a raise.

utterance: Oh. I hope so, sir. I really do hope so.

utterance: I hope you get it.

utterance: Oh.

utterance: I do too. OK, give me just one moment. I found your information and currently your net income for this quarter October through December of this year is eighty-six thousand, sir.

utterance: All right.

utterance: All right.

utterance: That is a good amount of net income. Would you like an amount for any other time period, sir?

utterance: Yes. While you're at it, can I get the last quarter?

utterance: All right, sir. Let me just look that up for you. Just one moment.

utterance: OK. Take your time.

utterance: OK.

utterance: The net income for your last quarter which would be July through September is actually around seventy-five thousand.

utterance: OK. Let me write that down so I can have that on record.

utterance: All right, sir.

utterance: Can you repeat that please?

utterance: Yes. Your last net quarter earnings were from July to September, were seventy-five thousand.

utterance: Seventy-five thousand.

utterance: Yes, sir.

utterance: Pretty dang good. .

utterance: That.

utterance: That was good. And, to repeat, your current net earning is actually eighty-six thousand.

utterance: Eighty-six. Oh, OK.

utterance: Mhm.

utterance: All right.

utterance: OK. I got that.

utterance: OK. Is there any other period you would like, sir, before?

utterance: I don't wanna be a nuisance. Can I get for the past year?

utterance: Oh yes, sir. Just give me one moment while I look up that information.

utterance: Also.

utterance: OK.

utterance: All right, sir. So, so overall for this current year, so far you have two thousand two hundred and sixteen thousand.

utterance: And, three hundred and forty-five.

utterance: OK. Is that two hundred and sixteen thousand three hundred and forty-five?

utterance: Yes, sir.

utterance: OK. Let me make sure I got that down. I like to keep records for myself.

utterance: Yes, sir.

utterance: All right.

utterance: It looks like your annual gross earnings actually kind of grows throughout the year on on this account. So looks like you get a lot more business towards the end of the year.

utterance: Oh, OK. That sound good. That's what I needed.

utterance: All right, sir, is there anything else I can help you with?

utterance: No, that's

utterance: would you

utterance: Like more information about online banking, that way in the future you could look up this account information more quickly?

utterance: That's a good idea. Yes.

utterance: OK, sir. So, if you haven't already set up an online banking account for this business account you can go online to Intellibank dot com.

utterance: We can send you some information through the mail as well, so, but just to get a little information on how it is you could just go online to our main site. We have business checking, business savings, and personal checking and savings on our front site.

utterance: You would go onto the business account section.

utterance: Set up your account. It actually has all kind of information so you can just read right through that. It'll walk you through the process of setting up your account.

utterance: You'll essentially need an email address, maybe a phone number and all of your security information that you normally give us through your account.

utterance: All right.

utterance: Once you set that up online, sir, you'll be able to just access the information that you call us in for.

utterance: It'll be right at your fingertips and you can look up your net income, quick liquidity ratio, you know request investment reports, anything you wanna do online.

utterance: All right.

utterance: Thank you. Thank you for the information.

utterance: OK, sir.

utterance: That's no problem, sir. I hope you have a great day, Mr. Robinson.

utterance: And, again my name's Natasha and thank you again for calling.

utterance: And, thank you.

utterance: Thank you. Bye bye.

utterance: Bye bye.


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

utterance: Hey Ginger. How are you feeling today?

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

utterance: Well I am actually doing great. We have had an incredible month and I was really thinking about taking the extra money that we have made and investing that in the stock market.

utterance: Well that's wonderful ma'am. I'm so glad to hear that for you. and we are able to do that for so so I'd be more than happy to help in any way that I could.

utterance: OK. could I actually get a couple of stock quotes from you?

utterance: Yes ma'am. I'd be more than happy to look into that for you. May I have your name please?

utterance: Sure. My name is Rachel. R A C H E L. Edington. E D I N G T O N.

utterance: Thank you so much. I have your first name as Rachel. R A C H E L. Last name Edington. E D I N G T O N.

utterance: Yes ma'am. That is correct.

utterance: Thank you. May I have your date of birth please?

utterance: Sure. My birthday is April the twenty-third nineteen eighty-nine. And my PIN number is one three zero six eight four nine one.

utterance: Thank you so much. I have your birthday as April the twenty-third nineteen eighty-nine. And your PIN number is one three zero six eight four nine one.

utterance: Yes you have that as correct.

utterance: Thank you ma'am. And may I have the stock symbol of the first stock you'd like to check?

utterance: Sure. That'll be A A P L.

utterance: Thank you ma'am. A A P L. That's going for one hundred fifty dollars and ninety cents a share.

utterance: OK. one fifty ninety and how about for M S F T?

utterance: All right. Let's take a look here. M S F T right now is at three thirty-five sixty-eight a share.

utterance: All right. three thirty-five sixty-eight?

utterance: Yes ma'am. That is correct.

utterance: All right. how about G O O G?

utterance: Let's see. G O O G. That's going for two thousand nine hundred and I'm sorry two thousand nine hundred and ninety-six dollars and twenty-five cents a share.

utterance: OK. Great. Well Ginger, now if I were to purchase them how do you guys do that? Do you do like a market order. I mean would there be a fee for purchasing? any stock or d- would I just pay the current price on the market?

utterance: All right ma'am. To answer the first question, we do it by market order. And no ma'am we wouldn't charge a fee for it. You would only pay the current price that is that it's going for on the stock market.

utterance: OK. Well you know what Ginger. I think I would like to go ahead and purchase.

utterance: All right. That sounds wonderful ma'am. Now it'll be all the same information you just gave me, correct?

utterance: Yes ma'am. Rachel Edington. Birthday April twenty-third nineteen eighty-nine. And again my PIN number is one three zero six eight four nine one.

utterance: All right. Well thank you so much Miss. Edington. And may I also have your account number please?

utterance: Sure. my account number is four two seven three zero three two four four six.

utterance: Thank you so much. And may I have the stock symbol of the first one that you'd like to purchase?

utterance: Yeah. we'll go ahead and go with A A P L.

utterance: All right. So A A P L. And how many shares of that would you like to purchase?

utterance: we'll go ahead and get ten.

utterance: Thank you Miss. Edington. So we're getting ten shares of the A A P L for one thousand five hundred and nine dollars. Is that correct?

utterance: Yes ma'am. It sure is.

utterance: Thank you so much. And is there any other shares you'd like to purchase today?

utterance: Yeah. You know what. let's go ahead and get ten shares of G O O G as well.

utterance: All right. So that's ten shares of G O O G for a total on that one of twenty-nine thousand nine hundred sixty-two dollars and fifty cents. Is that correct?

utterance: Yes ma'am. That sounds great.

utterance: All right Miss. Eddington. I do have that purchased for you. Now would you like to purchase any more?

utterance: no ma'am. I think we're gonna hold it at that today.

utterance: All right. Well I have everything all taken care of for you. Was there anything else I could assist you with today?

utterance: No ma'am. That'll be it. You've been wonderful today Ginger. Thank you so much for your help.

utterance: Thank you so much Miss. Eddington. And thank you so much for calling Intellibank. You have a wonderful day.


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

utterance: Yes. I would like to apply for a loan for my business please.

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

utterance: It's Jill Baker.

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

utterance: it doesn't matter. You can call me Jill.

utterance: All right Jill. So what type of loan are you wanting to apply for today?

utterance: So I'm thinking I want to apply for a secured loan. I have some land that I inherited from my aunt. I'd like to put that up for collateral if possible.

utterance: OK. We can do that. what is your account number?

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

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

utterance: So it's Johnson Controls. It's a manufacturing company.

utterance: All right Jill. And can you tell me what your date of birth is?

utterance: You see that's March second and that's nineteen eighty.

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

utterance: Yes. So that six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: And can you tell me what your street address is?

utterance: Yeah. It's five three nine Leaven Road that's Kansas City seven three eight two zero.

utterance: Thank you for that Jill. And what is your social security number please?

utterance: So it's seven three eight zero two zero seven eight three.

utterance: All right Jill and I just have a few more questions for you. What is your driver's license number and the state of issuance?

utterance: So it's eight nine three seven zero zero two zero zero and it's a Missouri license.

utterance: All right. give me just a second here. So are you the only owner of the business Jill?

utterance: yeah. It's an LLC but I'm the only owner.

utterance: OK. And when did you open the business?

utterance: So I opened it October nineteenth of two thousand and twelve.

utterance: All right Jill. And can you tell me what your business grosses annually? Do you happen to know what that information is?

utterance: So I believe last year it was like four hundred and eighty-nine thousand is what we grossed on our twenty twenty return.

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

utterance: So tax ID seven three eight eight two nine zero.

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

utterance: That's eight three seven two Hillshire Way and it's Missouri eight three six seven two.

utterance: OK. All right. and can I get an email address for you Jill?

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

utterance: OK Jill. And do you receive your mail for the business for the business checking account, do you receive that at the business address or your home address?

utterance: So I'll receive everything pertaining to the business at the business so yes. I'll receive the mail for that at the business.

utterance: OK Jill. And can I ask why you're seeking this loan?

utterance: So mainly I'm just trying to grow a business and just kinda build it up. so that is why I'd like to do it. I'd like to to just grow the business. for the business administration stuff and grow it.

utterance: OK. I can understand that. And how much are you looking to borrow?

utterance: I'd like to borrow like a hundred thousand if possible.

utterance: OK. And you said that you had land that you were looking to use for collateral is that correct?

utterance: Yeah that's right. My I inherited some from my aunt that I'd like to use.

utterance: OK. And do you know what that land is valued at?

utterance: So it was appraised at like a hundred and thirty-one thousand whenever I inherited it so I'm assuming it's right around that still.

utterance: OK. And can you tell me what term you're looking at for that?

utterance: So I was only thinking like maybe seven years if I could. I don't need very long to pay it back.

utterance: OK Jill. So I'm gonna send this through. actually real quick here too can you give me the address of the land that you said you had for collateral?

utterance: Yes. It doesn't really have an address but it's it's US ninety-one highway and it's lot fourteen is the address.

utterance: OK. And is that Kansas City?

utterance: Yeah. That's Kansas City Missouri.

utterance: All right. So I'm gonna send all this through and I'mma try to see if I can get a pre-approval for you. Give me just a moment OK?

utterance: OK. Are you in Kansas City?

utterance: I am.

utterance: Is it snowing where you are?

utterance: No it's not snowing but it's very cold here.

utterance: OK. So I've been stuck in Denver for like two days because of the weather here. They've they've got eight inches on the ground and they've grounded all the flights so I haven't been able to get back. So just curious what it was doing there in Missouri.

utterance: Well we definitely do not have eight inches. it's very cold. We've had some flurries here and there over the last couple days but nothing that's really stuck so. I'm sorry to hear that you're stuck in Denver but at least I I bet it's beautiful there with all the snow.

utterance: Oh yeah. It definitely is but you know nothing like being home with your family. So it's been two days since since I was supposed to be back. So hopefully they didn't they quit canceling the flights and I'm able to get home soon.

utterance: Yeah I hope it clears out for you soon and it's not snowing here when you get back home either. Jill I did get that pre-approval for you for this loan. So what I'm gonna do now is I'm going to send you some information. Basically what I'm gonna do is I'm going to send you an email and that's gonna have access to our online portal and what you will do there it'll give you a list of documents that we need you to provide. Once you provide those documents and we're able to review those, then a loan agent will reach back out to you and after they've gone through those and then they'll help you with the assisting you with the rest of the loan process OK? so I'm gonna get all that information emailed over to you. if you have any questions about any of that you can give us a call back here. but I'm gonna get that all emailed over to you now and then someone should call you back within twenty-four to forty-eight hours after you've uploaded your information. Was there anything else I could do for you before I before I got that sent over for you and and and got and disconnected with you?

utterance: No. I don't think so. I think that's everything but so you're saying you're gonna send me the documents, I upload what I need to upload and then someone will call me back?

utterance: Yeah that's right. So I'll send you actually I'm gonna send you a list of the documents that we need that are required for the loan and then I'll also I'll also send you just the I'm gonna send you the link to our our banking portal as well. So you'll get both of those, you'll upload those documents the from the list into the banking portal and that way somebody will call you back once they've been reviewed so that they can kinda go over everything and kinda continue that loan process with you. Jill was there anything else I can do for you today?

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

utterance: All right Jill. Well thank you for choosing Intellibank. You enjoy your day.


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

utterance: Yeah, so a guy from the country club I go to said that he had a good lead on some stocks that was doing really really well.

utterance: OK, who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: It doesn't matter, please just call me Jill, that's fine.

utterance: OK Jill, and do you currently have an account with Intellibank?

utterance: I do.

utterance: And Jill, are you wanting to buy some stock today?

utterance: Yes I think so, I mean he said he had a really good lead and it was doing really well, so yes I'd like to buy some of it.

utterance: OK, I'm just gonna need to get some information from you to get that buy in just give me just one second, OK? Can I get an account number for you Jill?

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

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

utterance: It's Johnson Controls.

utterance: OK Jill, and your date of birth please?

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

utterance: And it looks like your account has a four digit PIN on it, Jill, can you confirm that that that four digit PIN number for me, for security purposes?

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

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

utterance: It's Kansas City, Missouri.

utterance: And can I get a street address for ya?

utterance: It's five one seven Horton Avenue.

utterance: OK, and a ZIP code?

utterance: Seven three eight two zero.

utterance: All right Jill. can I also, while I have you on the phone, get a social security number from ya?

utterance: Yeah, that's seven three eight zero two zero seven eight three.

utterance: OK, and I'm gonna need to confirm an email real quick for you.

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

utterance: All right Jill, so you are wanting to purchase stock, is that right?

utterance: Yeah, so it's under a market order, but I wanted to buy several shares if possible.

utterance: Yep, OK Jill, so what is the stock symbol for the shares that you're wanting to buy?

utterance: Well first, can you kind of explain the market order to me? I just want to make sure that I fully understand it before I buy anything, if that's possible.

utterance: yeah that's possible. So a market order is basically an order to buy or sell a security immediately the type of, this type of order guarantees that the order will be executed, but not guaranteed the execution price. So generally it will be at or near the current bid for the sell order so you're paying basically whatever the stock market price is for that share.

utterance: OK, then yeah that's what I wanna do. So and the stock symbol is F F I V.

utterance: OK, and how many shares are you wanting to buy, Jill?

utterance: So, I wanted to buy a hundred shares for this, but can you tell me what the price is today, and also is it trending right now?

utterance: Yeah, so it looks like the cap price is nine dollars and fifty-nine cents a share for this and it's trending at number eight right at the moment.

utterance: Oh, OK then, let's let's actually make two hundred shares then, can I buy two hundred instead of the one hundred?

utterance: Yup, I can do that for you, Jill. Are you wanting to use your Intellibank checking account to pay for these shares?

utterance: yeah that should be fine.

utterance: OK. All right, and Jill, can you tell me what the account number is one more time, just to confirm?

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

utterance: OK. all right. so I'm gonna get those shares purchased for you, and then I'm also gonna get you some disclosures and confirmation emails rolled over to you once I get those this get these shares processed, can you give me just a moment for that?

utterance: Yeah, OK, and I are you in Kansas City?

utterance: Yep, I am.

utterance: So, are you gonna go that arrowhead event tonight?

utterance: I don't believe so, do you mean the one that's there for the chiefs?

utterance: Yeah, so my husband and I have season passes so we go like every year, and to every thing, but this is like the first time they've had this, it's like fireworks and all the players and stuff, I think it'll be a really neat event.

utterance: Yeah, it does sound like it'll be really fun, but unfortunately I have some little ones, and they have a school event tonight so So that's what we'll be, we'll be at a school function.

utterance: Oh, well I suppose that could be fun as well, you know little ones and their school function. I always enjoy going to things with my own children.

utterance: Yeah I do as well. I mean I when I I said unfortunately, but I don't necessarily mean unfortunately I I'm looking for to it as well, I know both of the kids are really are looking forward to it. Jill, you have fun tonight, I I wanna let you know that I do have those shares purchased for you, when I say purchased I do wanna let you know that I've sent you disclosures and confirmations for those once you receive that disclosure, it'll actually have an acknowledgment in there. You're gonna actually have to open the disclosure and acknowledge, which is basically confirming that you've agreed to allow us to purchase these shares on your behalf. and the actual sell of those shares won't go into effect until that disclosure is returned. so I'm gonna email it to you now, but please make sure that you check that as soon as possible and that you get that acknowledged. So that way we can the the shares will go ahead and process over and you won't be missing out on any opportunities that might be going on with the shares right now. also, you will receive a confirmation in that email as well, and that's that will be just confirming that the shares have been purchased and give you your share orders on there. That won't come until after the disclosure is returned and the the actual purchase for those shares can be processed. Was there anything else that I could do for you today Jill, while I had you on the phone?

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

utterance: All right Jill, well thank you for choosing Intellibank, and and good luck with your stocks, OK?


utterance: Hi this is Robin Foresite at Intellibank, how can I help you today?

utterance: Hi I'm calling to figure out the quick liquidity ratio for my business and I think we're like to you guys offer like investment advice?

utterance: Yes yes so you wanted to go ahead and schedule an appointment with one of our investment specialists?

utterance: Yeah that sounds wonderful.

utterance: OK great I'd be more than happy to help with both of those things. So can I first start by getting your your full name and date of birth please?

utterance: Yeah it's Julie Crane and my birthday is December seventh nineteen eighty-four.

utterance: OK December seventh nineteen eighty-four, OK Julie I'm gonna go ahead and pull up your account, can I start by getting the pin number associated with it?

utterance: yeah so my pin number is five eight eight five and I have a checking account with you guys and that number is six seven five four five six one seven seven one zero nine.

utterance: OK and you said the pin number was five eight eight five right?

utterance: Yeah.

utterance: OK great. So I am gonna go ahead and pull up your account but before we can proceed any further I need to ask you a few security questions for the security of your account.

utterance: OK.

utterance: Can I start by getting the last four digits of your social security number please?

utterance: yeah I can give you the whole thing even it's seven five four five six one seven seven.

utterance: OK one seven seven. OK great and you set up the security question when you set up your account, I'm just gonna ask that now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: It's Jackson.

utterance: And would you mind spelling that for me?

utterance: Sure J A C K S O N.

utterance: OK thank you for verifying that information for me Julie, I am able to pull up your account so give me one second OK and so this is for the Julie's Quesadillas and Tings dot com.

utterance: Mhm.

utterance: OK. So let me pull up your quick liquidity ratio OK so it looks like currently you're at a two point five.

utterance: Hmm OK. Could definitely be better.

utterance: Yeah there's room for improvement but a two point five is still a pretty good score.

utterance: You think that after meeting with the investment specialist that I could like you know hike that number up a bit?

utterance: I think they will definitely be able to give you some advice on how to improve that score.

utterance: OK.

utterance: OK so is there anything else that you wanna know about your quick liquidity ratio before I move on to setting you up with one of our investment specialists?

utterance: I'm not really sure what else there is to know about it or about probably I mean the investment specialist will be able to like answer specific questions.

utterance: Exactly. OK. So I am gonna go ahead and open our scheduler so we can get you set up with one of our specialists. Give me just one second.

utterance: OK thank you.

utterance: OK I do have our scheduler up, is there a specific date that you were hoping to have this meeting?

utterance: probably on Thursday as as late in the day as possible.

utterance: OK so let me check this upcoming Thursday the fifth OK so we close we do close at six o'clock every day so it's whatever appointment is going to be before six. Did you want to have this meeting online or in person?

utterance: let's do it online.

utterance: OK so let me see what availability we have for Tuesday evening online.

utterance: Oh it's Thursday.

utterance: Oh Thursday sorry about that one second OK so it looks like there's one available at three thirty, there's another available at four thirty, which one of those would you prefer?

utterance: maybe if there's another day in which the time is like closer to closer you're closing.

utterance: OK how about I check Friday?

utterance: OK.

utterance: OK let's see OK on Friday we do have an availability five o'clock.

utterance: OK that sounds good.

utterance: OK so we're gonna go ahead with Friday the sixth at five p.m. and that is good to go. OK so you will be speaking with Brian Jones and so he will contact you at that time, you should be receiving an email from us shortly just with your appointment details as a confirmation is there anything else I can do for you while I'm still on the line?

utterance: I think you covered everything thank you.

utterance: You're welcome we're definitely happy to serve all of your needs and if you have any questions feel free to give us a call, if not you go ahead and have a lovely day.


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

utterance: Yes Jerry, I want to make a credit card payment.

utterance: Certainly, I'll be glad to assist you with that ma'am and if I could ask first of all what's your first and last name?

utterance: Evelyn Richards.

utterance: And Miss Richards if I could ask what is the name of your business?

utterance: Joan's Bed and Bath.

utterance: Thank you for that Miss Richards with Jones Bed and Bath.

utterance: Yes and I would also Jerry like to know what my credit limit is.

utterance: Absolutely glad to assist you with that information as well but before I do I'll need to verify your account. we do take your account security very seriously here and of course we do this in order to protect you and your business. Is it all right if I ask you a few questions here Miss Richards?

utterance: Yes.

utterance: Miss Richards if I could ask what is your date of birth and phone number?

utterance: Eleven eleven nineteen eighty-four. Phone six seven eight two zero two four two five three.

utterance: Alright and Miss Richards if I could ask what is your credit card number?

utterance: Alright, can you hold on just a moment?

utterance: Sure.

utterance: Alright, it's four four seven nine six five three two seven four four six three nine two six.

utterance: OK that's four four seven nine six five three two seven four four six three nine two six?

utterance: Correct.

utterance: Alright and Miss Freeman if I could ask, what is your pin number?

utterance: One zero one seven.

utterance: Alright. Thank you for that Miss Richards and I was able to verify your account for your Business Platinum Credit Card and your available credit limit or. Is twenty-five thousand dollars.

utterance: OK, thank you for that.

utterance: You're welcome and Miss Richards as I pull this up here you mentioned that you wanted to make a payment on your credit card?

utterance: Yes.

utterance: I'll be glad to assist you with that and let me just ask, what was the payment date you wanted for this?

utterance: I wanna go ahead and get it paid tomorrow.

utterance: OK we'll schedule this for tomorrow on November the eleventh.

utterance: Yes.

utterance: All right, your birthday by the way.

utterance: Yes it is. Paying out money and but you know it's good to be here another year and I'm planning on enjoying it. It's the middle of the week and take it there on.

utterance: Well, congratulations again on another year.

utterance: Oh yeah. I'm very thankful for that.

utterance: going strong I'm sure.

utterance: Yeah and good to be alive.

utterance: Yes indeed, particularly after what has been quite a year with this pandemic.

utterance: Don't it? Exactly, it's just almost like it's not gonna ever be gone. It's a dragging out of just the different things that has. It has changed and just so much.

utterance: Yes, you're right Miss Richards. It has been quite a change of pace and lifestyle for practically everyone.

utterance: Exactly, I was gonna say that. Definitely, the lifestyle and getting people back to work. It's just a lot.

utterance: Yes ma'am, yes ma'am and Miss Richards let me ask, what was the amount that you wanted to schedule for payment tomorrow?

utterance: Thirteen-thousand five hundred dollars.

utterance: Alright and Miss Richards if I could ask what is the routing number that you wanted to schedule the payment from for your Platinum Card?

utterance: Alright, it's gonna be three two eight one seven four two seven eight.

utterance: Alright and what's the account number that you wanted to make your payment from?

utterance: Six nine zero four nine one.

utterance: OK, thank you for that and Miss Richards I've gone ahead and scheduled a payment for thirteen thousand dollars. Thirteen-thousand five hundred dollars for tomorrow from the account and routing number that you provided on your Business Platinum Card and we've got that all scheduled for you as you've requested.

utterance: Alright, well I appreciate all your help.

utterance: Miss Richards, is there anything else I can assist you with?

utterance: Not today, I appreciate it.

utterance: Thank you Miss Richards and you have a enjoyable rest of the day.

utterance: You too.

utterance: Bye.

utterance: Bye.


utterance: Thank you for calling Intellabank. This is Ramona, how can I help you?

utterance: Hey Ramona, how are you doing today?

utterance: I'm doing pretty well how bout yourself.

utterance: You know what I am doing damn good. I'm I'm really happy and really excited a lot of good things are happening for me and my business. And yeah. So I'm calling you to say hello. No I'm kidding. so like I said, I a lot of good things are happening for my business, it's growing, expanding, and you know I started my business you know, out of my house and you know using my personal information like emails and stuff like that. And it's it's getting out of hand and now that I've moved into a store I I I need to update some information on my business account.

utterance: Wow, well absolutely I can help you with that but it's so exciting because Intellabank is all about supporting small businesses, local business. That's what we're here for, we want to help you build and it makes us really happy. I I'm really excited for you. what kind of business did you say it was? Did you tell me?

utterance: so.

utterance: It's a it's a sports collectibles business and it it's always like since I was a little kid it like was always my dream. Like you know growing up collecting you like baseball cards and football cards. Like I always wanted to like I was just collecting and collecting and collecting and I was like all right at some point I'm gonna start being able to sell these. And then I started selling cards. And then I started finding was to buy like new cards and sell the new cards. And then the explosion of the internet and then that. And then getting into other types of collectibles like authographs, which has been a huge business and and now that I have an actual store front we actually have pro athletes come in and do autograph signings. So it's just all different stages that is just truly amazing and and it's it's been my passion, you know, since I was five years old so, I am just loving life.

utterance: Mm.

utterance: Wow, that is so exciting to me I love hearing that and it's so cool like, you've been like a little business man since you you were five years old.

utterance: And and you know what is great, I'm fifty-one and I still feel five years old.

utterance: Oh well, that's awesome that's so awesome like to follow your dream and to set an example for others. Do you have children or anything like?

utterance: I do I do but they're actually not too big into sports. So so you know, I think I might have to try for another kid.

utterance: Oh.

utterance: Well it's OK because it doesn't matter like the type of business, it's just like the drive and showing them that you can achieve your dreams, you know what I mean I know that sounds really corny but that's what we love to hear here at Intellabank. Like we just love stories like that. Like we even have a news letter that features the like the new business owner of the month.

utterance: Exactly.

utterance: Exactly.

utterance: Oh, cool.

utterance: So.

utterance: Yeah I mean, I don't know like if you ever wanna apply for that

utterance: Sign.

utterance: Me up.

utterance: OK I also, I can when we're all done like first of all I need to help you with your situation first but then we can talk about like I can email that all you know later on but. First of all What is your first name and your last name, that I didn't get?

utterance: Oh.

utterance: Wow we've been talking for eight minutes and it's so my name is Anthony and the last name is Poole P O O L E.

utterance: OK Mr. Poole, and What is your date of birth?

utterance: It's January fifteenth, nineteen seventy.

utterance: OK and your pin number?

utterance: The pin is one five seven zero.

utterance: OK and what is your credit card number?

utterance: Ooh I wasn't expecting that one. Hang on one second let me, let me get my wallet out.

utterance: Oh, sure.

utterance: Absolutely take your time, I'm here.

utterance: OK I got it.

utterance: OK.

utterance: All right, the credit card number is four zero eight five.

utterance: OK.

utterance: Three two.

utterance: Mhm.

utterance: Seven.

utterance: Mhm.

utterance: Six.

utterance: Mhm.

utterance: Oh seven five three eight one two seven.

utterance: OK, so let me just repeat that back to you. I have four zero eight five.

utterance: Mhm.

utterance: Three two seven six zero seven five three eight one two seven.

utterance: Correct.

utterance: OK perfect. OK all right, do you wanna update your email address like you said.

utterance: Yes.

utterance: Please.

utterance: OK whenever you're ready just give it to me.

utterance: All right the new email address is Anthonys collectibles.

utterance: OK.

utterance: At Gmail dot com.

utterance: Oh awesome OK and is the A capitalized?

utterance: Yes it is.

utterance: OK. All right, OK and I updated that. OK perfect and so while I have you on the phone is there anything else I can help you with.

utterance: No I, I think honestly that's everything.

utterance: OK one thing I I might want to suggest to you is to sign up with the Intellabank silver business card because I'm just looking at your file and it's a small, you need a small business. And this can help you save hundreds of dollars. It gives you points, it gives you cash back rewards. All kinds of stuff I'd love to email that over to you and you can, I'm looking at your account your in amazing standing you have great credit. So if apply for this card, you would definitely get it right away and I can send you the info to fill out the application if that sounds like something you might be interested in.

utterance: OK.

utterance: Yeah, you you have my new email address so that would be perfect.

utterance: Yeah. So I'll send you.

utterance: Over to that and then

utterance: Yeah, all right I'll send that right over to you. And is this there anything else?

utterance: No I think that's everything.

utterance: All right Mr. Poole good luck with your business and have a great great night.

utterance: Thank you so much, you too.

utterance: Thank you, bye bye.


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

utterance: Hi, Jason. It's very nice to speak with you. We have a very similar name. My name is Mason. We're off by one letter.

utterance: that's hilarious. Well, good morning, Mason. what brings you to Intellibank this morning?

utterance: Well, I had been having issues with with my phone with the account. I feel like I am getting all these calls and I feel like they are related, directly related, to my account with Interrabank. So, I was hoping that you could help me with this situation. And help me kinda either stop these robocalls from coming or if I have to change some information on my end on the account. Maybe you can direct me towards where I need to Who I need to speak to. Who I need to What department I need to call. I don't know whether this counts as something you would send to your fraud department if people are calling pretending to be from the bank. I don't know. But it's just an issue with my phone number that I need to update in your system so I don't get these calls anymore. Because it's becoming kind of frustrating. I get them during the day. I get them at night. People call me at, like, you know, four a.m. thinking that it's like seven a.m. their time so it is getting kind of frustrating.

utterance: Well, Mason, I'm so sorry to hear that. And I will do everything I can to get that corrected for you. just so we're on the same page, did you say you're Terrabank? account?

utterance: yes. In in in. Oh, I'm sorry. .

utterance: Did you mean

utterance: Intellibank?

utterance: Yes, that's exactly what I meant, Intellibank. Thank you for correcting me.

utterance: OK.

utterance: Yeah, Yeah, OK. No worries. Let's see what I can do here. OK. First, to access your account I am going to need your first and last name.

utterance: So, my first name is Mason, as I mentioned before. And my last name is Ford. F O R D.

utterance: Got it. And just to confirm, cuz you'd be surprised, your first name is M A S O N?

utterance: Yes, yes, that's correct.

utterance: Got it. All right. I would need your date of birth now.

utterance: My date of birth is March fourteenth nineteen seventy-four. That is oh three fourteen seventy-four.

utterance: Got it. And could you provide me with the PIN number on your account?

utterance: Yes, absolutely. The PIN on my account is one one two nine.

utterance: One one two nine. Excellent, Mason. I am in your account now and the phone number I have for you now is four oh six nine zero three six seven two five. Is that the one you would like to replace?

utterance: Yes, thank you, I would like to replace that one.

utterance: All right and can you give me the number that you'd like to replace it with?

utterance: The new number will be area code seven zero one nine zero three eighteen eighty-eight.

utterance: All right, just to repeat that. I have seven zero one nine zero three one eight eight eight.

utterance: Yes, that's correct.

utterance: All right. Putting that in there. And my system is loading. Bear with me, please.

utterance: So, how's your day going, Jason?

utterance: My day's going fantastic, Mason. How is your day going?

utterance: Oh, it's, it's pretty good. It's pretty good. Just, you know, working on on my business. And just trying to keep my clients happy.

utterance: I can understand that. I'm I'm trying to keep mine happy as well. And you're included in that, Mason.

utterance: Well, if it means anything, you are doing a fantastic job. I appreciate everything that you're doing for me on the line right now.

utterance: Well, thank you so much, Mason. I'm very happy to hear that. there will actually be a short survey when we end this call. If you wouldn't mind just answering it. Hopefully, I provided you with excellent customer service. My system has finally finished loading and we got that changed for you. Is there anything else I can help you with today?

utterance: No, you have been a pleasure to speak with and absolutely send that interview, or that that survey my way and I will, I will fill it out and give you ten out of ten.

utterance: Well, thank you so much, Mason. Looks like you've been a customer with us for about seven years now. We do appreciate your business. I hope you enjoy the rest of your day.

utterance: Thank you very much.


utterance: Intellibank. This is Evelyn. How can I help you?

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

utterance: I'm doing really well. How about you, sir?

utterance: I'm. You know what? I'm doing good. Little tired, little overworked and little stressed but I'm doing good. But that's what happens when you own a business.

utterance: Yes. I hear you.

utterance: Yeah. Right? So I need a vacation. I really do.

utterance: You should take one.

utterance: Can I just go on vacation?

utterance: Yes. I think you should.

utterance: Can I request? Too bad. Too bad I can't call Intellibank to request information for a vacation for business owners.

utterance: well you know what, I'll bring that up at our next meeting. Because you know what. I think we owe it to you.

utterance: It it should be Intellibank slash Intellications.

utterance: Oh, Intellications?

utterance: Intellications.

utterance: I love it.

utterance: As in Intellivacations.

utterance: I love it.

utterance: I love it. I'm totally bringing it up at our weekly meeting.

utterance: Well there you go. So all right. so I needed to request some the FAQ business documentation.

utterance: OK. Yeah.

utterance: Cuz

utterance: I was looking to get a a new account for my I wanted to I already have the checking account, but I wanted to now get the savings and I wanted to see exactly all the documentation you need from me to make that happen.

utterance: Mhm.

utterance: Mhm.

utterance: OK. Yeah. So you need your business license.

utterance: OK.

utterance: Two years of personal tax returns. Two years of business returns.

utterance: Wow. OK.

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

utterance: Wow. OK.

utterance: And you can email that to us or fax it or you can snail mail it but you know, that's. That would take forever so.

utterance: Do do people when you say that to people do they ever say oh yeah, that's what I'll do.

utterance: You know what, honestly like every once in a while there is an old school business owner and they they will do that. They will. And you know they like to come in person. You know, they really love that camaraderie and they and they miss that connection which we embrace. You know what, we're here for all types. We just want to help business owners thrive. That's what we do at Intellibank. So.

utterance: I get it. I totally get it.

utterance: But you know what I'd love to do for you. I could set you up for online banking.

utterance: OK.

utterance: This way you can go ahead and send us all those documents electronically through your account and then you can you know, you can go on your account twenty-four seven, you can look at your balances, you can transfer funds, you can download our Intellibank app on your phone. So what would you like me to go ahead and do that? I can set it up for you right now and then you'd be able to send that information right over to us automatically once the online banking is set up.

utterance: Yeah that sounds like like you know complete no brainer.

utterance: OK. What's your email?

utterance: OK. The email is M Montgomery. Nineteen eighty-five. At Gmail dot com.

utterance: Mhm.

utterance: OK.

utterance: OK.

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

utterance: Michael.

utterance: So it's Michael Montgomery?

utterance: Yes.

utterance: OK. All right. And what is your Social?

utterance: All right, the Social is. Hang on one second.

utterance: OK.

utterance: All right the Social's one seven nine one one two zero seven six.

utterance: Mhm.

utterance: Mhm.

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

utterance: the date of birth is April nineteenth nineteen eighty-five.

utterance: Mhm.

utterance: OK. And your personal address?

utterance: All right, my home address is two oh one Richfield Road.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

utterance: And that's Upper Darby, Pennsylvania, one nine oh eight two.

utterance: OK.

utterance: OK. And what's your business address?

utterance: The business address is twenty-two.

utterance: Mhm.

utterance: Thirty-seven Bond Avenue.

utterance: Mhm.

utterance: And that's Drexel Hill, Pennsylvania, one nine one two six.

utterance: Mhm.

utterance: OK. All right. So I sent that all over to you. can you, if you can, is there any way that you can see if that link got to your email that I just sent?

utterance: Yes, I Give me one second.

utterance: Sure. take your time. I'm here.

utterance: OK. I'm pulling it up now. I'm just getting the the screen refreshed and.

utterance: OK.

utterance: OK. I'm ready.

utterance: Did you. Did you get it?

utterance: Yes.

utterance: OK. All right. So, thank you so much for doing that. I just. This morning I had a few problems and issues with our server and a couple of customers had to wind up calling back and I really don't want you to have to do that because I know your time is precious and we don't want to waste your time so. All right, I'm I'm so grateful for that. And is there anything else I can help you with while I have you on the line?

utterance: Honestly, no, I think that's everything.

utterance: All right. Well thank you so much for being a part of Intellibank and we really appreciate you and if you need anything please just never hesitate to call. We're always here to help.

utterance: Sounds like a plan to me.

utterance: OK. Thank you so much.

utterance: Thank you for your help.

utterance: Bye bye.