utterance: Good afternoon. This is Tom at Intellibank. How can I help you today?

utterance: Yeah, hi, Tom. I am looking into my financial investments and I just wanna make sure that I've been accountable to myself cuz I had an investment plan that I did display by switching on line, but I wanted to set up an appointment with your investment specialist for them to review my own plan. Maybe they can tweak it. I don't know.

utterance: Yeah, it's good to do that, you know, especially every once in a while. We'll get we set can you up with an investment specialist, they'll put together a portfolio for you to go over different options as far as the wealth management. that'll include investments, savings, budgeting. so, first thing, can I get your name?

utterance: Yes, it's Elvin Jones.

utterance: Righ, Elvin, can I get your account number, please?

utterance: Account number is three oh six eight two nine.

utterance: Right, and PIN?

utterance: One four four five.

utterance: See, your account has an additional verification. Can I get the name of your first pet?

utterance: Yes, it was Cigarette.

utterance: Cigarette. That's great. OK so so you got logged on here looks like OK so what day would work for you, and time?

utterance: Mhm mm.

utterance: Day and time? Next Monday at ten a.m..

utterance: All right. Sunday the first. Ten a.m.. We have ten fifteen. How'd that work?

utterance: OK That's fine.

utterance: OK and which medium would you like to use? that means, would you like a phone call, would you like to do it online, if you've online. Do you want. Do you do online banking?

utterance: you know what? I gotta check something regarding that. Could you just hold on for minute or two?

utterance: Yeah, absolutely.

utterance: All right. I'll be right back. Yeah, hey hey, sorry. cuz I'm getting internet installed that day, but I think that'll be cleared by then, so I could do the online one.

utterance: All right. Great. forever for any reason you need to change it, you can just log onto your account and there will be kind of a a appointment listed there. So, all right we have you set up so, again, it's a investment specialist. They're gonna go over wealth management and which includes investment and savings and that. S o do you have any other questions for me?

utterance: OK.

utterance: So yeah, yeah set up I set up online and, let me just, so I can put this in my schedule here. It's with the Intellibank wellness management, right?

utterance: Or anything I can help you with?

utterance: You know what, I can send you a text message and it'll give that information.

utterance: OK Intellibank wellness management, huh?

utterance: Right. can I just verify your Oh, wait, I'm sorry. I. Maybe I heard you wrong. It's Intellibank and it's a investment specialist.

utterance: Got it.

utterance: Yes.

utterance: But the department is the. Cool, then, Intellibank Wellness Management. Got it, got it, got it. Wellness Management. Got it.

utterance: Yep. That's right. Yeah, sorry about that. I Sorry I I apologize. it's Intellibank Wealth Management.

utterance: Have I messed that up?

utterance: I think I might have led you astray on that. I'm sorry about that.

utterance: Said.

utterance: Wellness. Sorry, I I did mess up. I'm sorry. Cool, cool, cool. But that's fine, I just just wanna put down in my in my schedule correctly.

utterance: All right. So, I'm gonna send you a text message. and give you all that information. is there anything else I can help you with?

utterance: No, I'm good. Thanks though.

utterance: Sure. You're welcome. You have a nice day.

utterance: All right. You too. Bye.

utterance: Bye.


speaker_role: Agent

utterance: Thank you for calling Intellibank Business Solutions. How may I assist you today?

speaker_role: Customer

utterance: yes. I called the other day and I requested my phone number be updated. And I believe that I have given you the wrong phone number.

utterance: OK. I do remember that call and I can certainly help you get that fixed.

utterance: Can I have your name please?

utterance: Dan Thomas T H O M A S.

utterance: Thank you. And can I have your date of birth?

utterance: May twelfth nineteen sixty.

utterance: Thank you. And your authentication PIN number please?

utterance: One zero six two.

utterance: Great. I have got your information verified and your account pulled up. And so we're needing to go ahead and change that phone number for your account again. to the correct one. Is is that correct?

utterance: Yes.

utterance: All right. Could you go ahead and give me that new phone number please?

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

utterance: All right that's six six one two two one three zero five five. Is that correct?

utterance: That's correct.

utterance: All right perfect. I've gone ahead and got that fixed for you and updated to the correct phone number.

utterance: And would you like to get set up for online banking today so that you can update your contact information as well as manage your bank accounts at your own convenience?

utterance: that be great. I'd I'd like to have an intel online banking.

utterance: Yes sir. I believe you mean the Intellibank online banking.

utterance: Yes that's correct.

utterance: All right. Well I can certainly help you get that set up here. Can you please verify the email address that you would like to have your online banking communications sent to?

utterance: that would be D Thomas at ABC dot com.

utterance: All right. That's D Thomas at ABC dot com. Is that correct?

utterance: That's correct.

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

utterance: OK.

utterance: Hang on just one second while I grab something to write with.

utterance: Not a problem sir.

utterance: All right.

utterance: All right your username is D Thomas zero eight.

utterance: OK.

utterance: And your temporary password is capital E capital D six four H seven.

utterance: OK.

utterance: can you tell me how to set that up? And will that become effective immediately?

utterance: Yes sir. To finish the set up you will need to go to Intellibank dot com. And in the top right-hand corner there is a button to log in. When you click that button you can enter those credentials. And it will then prompt you to create your own unique password. And then it will guide you through the rest of the set up. And yeah as as soon as you finish that set up your online banking will be accessible immediately.

utterance: That sounds great.

utterance: Yes.

utterance: Is there anything else that I can assist you with this evening Mr. Thomas?

utterance: can you tell me what type of loans that you offer?

utterance: Absolutely. We offer term loans, secured loans, real estate loans. And then we also offer SBA seven A and SBA five oh four loans.

utterance: OK that sounds good.

utterance: All right sir. Is there anything else that I can assist you with?

utterance: can't think of anything.

utterance: All right. Well if you have no further questions or concerns if you don't mind holding on the line. There's going to be a brief survey where you can let us know how we did and how we can better service you and your business in the future.

utterance: All right. I do appreciate it.

utterance: Not a problem sir. You have a wonderful evening. And thank you again for choosing Intellibank.

utterance: All right thank you.

utterance: Thank you.


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

utterance: yes. I guess I'm just calling because I was watching because I work in the morning, me and I saw and I saw an advertisement about your forensic department specializing? In support of her business? I wanted to see if I could get information about taxes as a specialty. Can you guys offer assistance like that over the phone or do I have to contact a specific branch?

utterance: Actually, sir, we do offer in-person and online interviews for tax specialists. And you don't have to contact the specific branch. I can actually schedule that for you if you wanted to go ahead and schedule it today?

utterance: Yes.

utterance: OK, sir. But first I'm going to need to get a little bit of information from you so I can go ahead and setup an appointment with one of our tax advisors. Is that OK with you?

utterance: yes, it is.

utterance: Just one moment while I look into my my account. All right sir. Can I have your first, last name please.

utterance: Yes. My first name is Gabriel. My last name is Robinson.

utterance: All right. That's Gabriel G A B R I E L?

utterance: Yes, it is.

utterance: And Robinson R O B I N S O N?

utterance: Yes, it is.

utterance: OK sir. And did you want an in-person or online interview?

utterance: I would be I would be in-person.

utterance: OK sir. So you want an in-person interview?

utterance: Yes.

utterance: All right sir. Do you have an appointment day that you would like specifically?

utterance: Yes, can I schedule that for the eleven twentieth?

utterance: So you want that on the twentieth of this month?

utterance: yes, please.

utterance: OK, give me one moment while I look up any times that we have.

utterance: OK.

utterance: All right, sir. Did you want that an a.m. or p.m. appointment?

utterance: Can I have an a.m.?

utterance: All right, sir. We have a nine thirty a.m., ten a.m., and ten thirty a.m. available?

utterance: Ten thirty a.m..

utterance: All right. You want it down for ten thirty a.m.?

utterance: Yes.

utterance: OK, sir. And what is the ZIP code you for that location that you're wanting to set up an appointment at?

utterance: Yes, the ZIP code is nine seven one one nine. Oh. My fault. That's the wrong that's the wrong zip It's nine eight one one nine.

utterance: OK, sir. So nine eight one one nine. That is in Seattle, Washington?

utterance: Yes.

utterance: All right, sir. Give me just one moment while I setup your appointment in our system.

utterance: That's fine, take your time.

utterance: So how your Monday been going so far? I'm betting you are I bet you're already ready to get off work, huh?

utterance: No, sir. I'm actually pretty geared to get here today. I've been kind of been off all week, so. It's, actually, I've been looking forward to getting away from the newborn, so.

utterance: Well, there is a newborn.

utterance: Oh, yes sir. He's, a handful, so, this is a good a very good distraction for me right now.

utterance: Well, I bet your newborn is not happy to get away from you?

utterance: Oh no, she's she's been clinging to me all month so, yeah, it's about time. And so Mr. Robinson, I've already setup your appointment in our system with our tax specialist. Again, you wanted it for the twentieth of this month?

utterance: Yes.

utterance: And that appointment is scheduled for ten thirty a.m..

utterance: OK.

utterance: We will be sending the information out to your address on file And let me go ahead and verify that address information. so that you'll have that appointment information on-hand. Or did you want us to go ahead and email that, sir? You'll get that information much quicker.

utterance: Yes, can you email that?

utterance: Yes, sir. To verify, you have a business email on file for you. Did you have a different email address you wanted this sent to?

utterance: You can send it to the business one.

utterance: OK, sir. To verify, that was qualitysoundproduction at Gmail dot com?

utterance: Yes, it is.

utterance: OK, sir. I'll send that information right out to you today. Make sure you have that appointment time. We will also send it to your text because you have listed on file that you are OK text relates for this appointment.

utterance: Yes.

utterance: When it be when it'll be scheduled we'll send it out and we'll send a reminder out to you as well if that's all right sir?

utterance: Yes that's all right.

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

utterance: I believe that is it.

utterance: All right. Thank you so much, sir, for giving us a call today and I thank you for your time and patience. Again, my name is Natasha and I hope you enjoy the rest of your day.

utterance: Thank you Natasha.

utterance: Thank you so much, sir. Bye bye.

utterance: Bye bye.


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

utterance: Yes. So I have a bunch of loans and credit cards with Intellibank. And I was wondering my accountant is asking me if you could tell me my income to debt ratio for my business.

utterance: Yeah. 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 Miss Baker?

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

utterance: All right Jill. So you're wanting me to run the metrics to determine your current income to debt ratio. Is that correct.

utterance: Yeah. If I could. I've just been talking to to my accountant and I just wanted to clarify some percentages. and get some numbers for them if that's possible.

utterance: Yeah I can totally understand that. What is your account number?

utterance: Give me just one second. I need to look it up. One second please. it's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: All right Jill. And what is your date of birth please?

utterance: It's March second nineteen eighty.

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

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

utterance: All right. And what time frame are you looking at for this report?

utterance: Can we just do like the last six months? Is that possible?

utterance: Yeah I can do that. I just wanna clarify. I'm showing two credit cards, two loans and two business banking accounts with Intellibank for the business. Is that correct?

utterance: Yeah that should be right.

utterance: All right. And do you have any banking accounts any other banks other than th- than Intellibank Jill?

utterance: No they're all with Intellibank.

utterance: OK. Give me just a moment then. I'm gonna run the metrics on this for you OK? Were you also wanting me to email a copy of the report to you?

utterance: Yeah that be great if you could do that.

utterance: OK Jill. Can I confirm an email address for you?

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

utterance: All right. Thank you for that. I'm gonna run the metrics for you now. Give me just a few moments OK?

utterance: OK. Is this a weird question? I mean I have an accountant. I could have him run the figures but it just takes him a really long time. And he always asks me to get it from somewhere else. So I'm sorry. I don't mean to to bother you with it.

utterance: Oh no no not at all. it's it's definitely not a a strange request at all.

utterance: OK. Then I'm sure you've probably had weirder requests in.

utterance: Oh not really weird requests per se. We do get a like a lot of wrong numbers. a lot for people who think they're calling somewhere different than Intellibank. But generally we don't really get too many odd questions from our Intellibank customers.

utterance: How do people accidentally call the bank?

utterance: you know sometimes people will Google search incorrectly. Or they may misdial a number. We will sometimes get like a lot of calls from elderly folks who have misdialled or are just confused on who they've called. So that's what I meant by mis number or I'm sorry misdialled numbers.

utterance: Oh OK. I can see how that will happen.

utterance: Yeah. I mean it's it's it's nothing too strange that we of- often get. And m- most of our customers most of the time are pretty familiar with our services so. Jill I do have that information for you. So as of today's date for the last six months your account shows a income to debt ratio of around thirty-four percent. So I can email that over to you as well.

utterance: Does that tell you what like the normal average is for that? Is that is that normal or so?

utterance: Yeah. So on the debt to income ratio scale a good or normal ratio is around thirty-six percent. So so based on that you're doing very well for the numbers that we've we've got reported for you today.

utterance: OK. And you said you'd email that to me then didn't you?

utterance: Yeah I can email that to you. Give me just a moment OK?

utterance: OK. Is there anything that would affect that? Like the number?

utterance: So our metric is based solely off any information obtained from your account history. And previously provided information on your financial accounts. So we take that along with like your credit report. Or for if some reason if there were accounts where unreported debt that has not been shared. then that could change that number. But m- most everything is usually reported to the credit bureaus so anything that you wouldn't necessarily remember to report would be pulled up on that. So generally the number's pretty accurate.

utterance: OK. I think everything should be reported correctly. I don't think I've withheld anything but. and I don't have any real accounts outside of Intellibank so this should this should be it.

utterance: Yeah then that number should be pretty accurate for you.

utterance: OK. Then you're gonna email me everything?

utterance: Yeah I'm gonna send that email now. Give me just a few moments OK? And and Jill. Another thing I wanna do to tell you about too is we also. If you have access to online banking we also have your metrics. That's available to you on all of our for all of our Intellibank customers through online banking. So there's actually a metric portal in your online banking. That provides you some of this information. It doesn't go into as much detail as far as the percentages. But it can tell you the ratio as far as It's on a on a flow chart. That will tell you where your your debt to income ratio is based on what we have for accounts for you. And since you said most of your accounts are with Intellibank it's probably gonna be pretty accurate for you. So whenever you log into your online banking, if you have access to that, you'll go to the top of the page. And there'll be some breakdowns for each one of your accounts. But there is also a breakdown that says your acc- that says account holder metrics. You'll choose that account holder metrics tab and then that's where you'll find all that information at. So. Or you can always call us back here and we can run that for you again too. But if you're just wanting to see kind of a sliding scale for you just on a on a certain basis you can go to there to do that as well.

utterance: OK. That's really helpful. I didn't know I could do that.

utterance: Yeah. That's just another one of the the many things that we do for you here at Intellibank. Jill I have that information emailed over to you. Was there anything else I could do to help you today?

utterance: No I think that's everything. I appreciate it so much. Appreciate it Brenda.

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


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

utterance: Yes. So, I spoke with one of your financial advisors a while back and they advised me against buying shares at the company White Sail, but they've been up by five, like a fifth of a point all week and that recommendation has really cost me so I'm. I don't really know who to talk to but I'm really frustrated right now.

utterance: I'm very sorry that their advice did not work out for you. if you'd like I can help you with purchasing some shares for that company now. Can you tell me who I'm speaking with today?

utterance: It's Jill Baker.

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

utterance: You can call me Jill.

utterance: All right, Jill. So would you like me to help you purchase a few shares for that company?

utterance: I mean, yeah, that's fine. It's just really frustrating that I listened to their advice about not buying. I should've went with my gut and bought them, but instead I chose to listen to them because I thought they were giving me good information and, and they didn't, obviously.

utterance: Yeah. I understand your frustration Jill, and I know that you've, you've already missed out on some of the success of this stock, but let me help you purchase some of those shares for you today, OK? I just need to get some information from you, OK?

utterance: OK.

utterance: All right Jill, what is your account number?

utterance: Give me just one second please, I got to look it up. Hang on, it's. It's three four six, zero two, nine nine eight.

utterance: All right, Jill. And what is the name of the business?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty, and it's seven three eight, zero two, zero seven eight three.

utterance: OK, Jill. And this account also has a four digit PIN number on it. Would you mind confirming that PIN number for me for security purposes?

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

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

utterance: I'm in Kansas City, Missouri.

utterance: OK, and what is your street address?

utterance: My address is five three nine Horton Road, and seven three eight two zero's the ZIP code for that.

utterance: OK Jill, can I confirm an email address for you?

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

utterance: All right, Jill. And you're wanting to purchase stock for White Tail, is that correct?

utterance: Yeah, so it's under a market order but I want to buy several several shares if I can. I'm just, I'm really frustrated right now, like. I'm just frustrated that I lost out money on it.

utterance: I understand your frustration, I really do, and, and we're, I'm gonna do what I can today to try to get you back on track for this stock. Can you share that stock symbol with me for White Tail?

utterance: Yeah, but can you kind of explain the market order to me first before I purchase anything? That's another thing they didn't do when I spoke to them.

utterance: Yeah. So a market order is basically an order to buy or sell a security immediately. The type of order guarantees that the order will be executed but does not guarantee the execution price. So, generally it will at or near the current data for the sell order, so you're paying basically whatever that stock market price is for that share.

utterance: OK, then. That's fine, thank you. So the stock symbol is F F I V.

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

utterance: I'm wanting to buy a hundred shares for this, but can you tell me what the price is today?

utterance: Yeah, so it looks like the cap price for these shares is nine dollars and fifty-nine cents a share.

utterance: OK, then. Actually I want to make it two hundred shares. Can we do two hundred then, please?

utterance: Yeah! Jill, are you wanting to use your Intellibank checking account to pay for these?

utterance: Yeah, that's fine, let's do that. You can use it to pay for that, that's fine.

utterance: OK. Can I confirm your account one more time for you?

utterance: Yeah, so my account number's, Let me look again. It's three four six, zero two, nine nine eight.

utterance: OK. All right, Jill. So I'm gonna get these shares purchased for you and get everything set up for that purchase, and then I'll email you over the disclosures and confirmations. Can you gimme just a moment, OK?

utterance: Yeah. Is there anything I should watch for, you know, to know if it's time to sell?

utterance: Yeah, so, Jill, I do not really wanna advise you on when to buy or sell stocks because that's not really my area with Intellibank, but there are several macroeconomic factors that you should observe, like interest rate changes, inflation. There's some economic factors like unemployment rates and political changes that can sometimes influence the market outside of those things. It would mainly be just watching for any percentages changes for that particular stock for you to be able to know when to buy or sell, but if you wanted me to I could try to set you up with a different financial advisor and if you wanted to try speaking with somebody else about the issue, if you just had issues maybe with that person, we have a lot of really great financial advisors here at Intellibank.

utterance: No, I don't want to speak with anyone else. I'm just gonna buy them and not worry about it.

utterance: OK, Jill. Well I have those shares, those shares ready for you and I sent the disclosures and the confirmations to your email. I do wanna let you know though that those those purchases for the shares are not official until the disclosure's signed, so basically you'll have to go to your email and agree to the, to the purchase of those shares before it's completely completed, But once that disclosure is returned to us then, then everything gets processed through and those shares those shares are purchased. was there anything else I could do to help you out today?

utterance: No, I think that answers everything, I appreciate it. You've been much more pleasant the last one.

utterance: Well, Jill, I do wanna apologize that you were upset regarding the advice that you received from one of our financial advisors, but I do wanna let you know that our advisors provide their advice based on a variety of research and patterns pertaining to each stock, and that advisor uses every resource available to them to try to project the success or failures of a stock for our customers. Unfortunately it does not always, it doesn't always end up the way that we want it to or the way that we predict, but, I, I do wanna let you know that they do try everything as possible, as much as possible as they can to make that a success for you.

utterance: I know, I understand that. Was just really frustrating.

utterance: I completely understand, Jill, and I hope we'll, we'll get your. You'll give our advisors another chance to, to direct you in the future. again, was there anything else I could do to help you today?

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

utterance: All right, Jill. Well thank you for choosing Intellibank. You shall receive that email shortly, and enjoy your day.


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

utterance: Yes Jerry, I called yesterday to dispute a transaction on my Diamond Card, but I forgot to ask for my bank statement. Can you help me?

utterance: Certainly, I'll be glad to assist you with that. And let me ask, first. What's your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what is the name of the business on your account?

utterance: Jones Bed and Bath. And by the way, what's. I wanna know what the next payment is on my Diamond Card.

utterance: Certainly, I'll be glad to assist you with that. first of all I'll just need to verify your account, because we do take your account security very seriously here, and of course this is really for you and your business's protection. if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And Ms. Richards, what is your credit card number?

utterance: Credit card number?

utterance: Yes.

utterance: Four four seven nine, six five three two, seven four four six, three nine two six.

utterance: All right, and Ms. Richards, if I could ask. What is your PIN number?

utterance: One zero one seven.

utterance: All right, terrific. Thank you for that.

utterance: Yeah, you know and definitely I'm beginning to get used to the time. I know it just changed. You know, like the falling back? But you know, I just. It just throws me off every time, but I am, you know, getting beginning to get used to it because the the days just are shorter. You know, it gets darker earlier.

utterance: I completely agree, I think probably all across America, every office has a clock that's still in the wrong time.

utterance: I agree.

utterance: So I completely understand your sentiment there Ms. Richards, but I I am sure, you sound like a smart person. you'll, you'll get adjusted pretty quickly.

utterance: Absolutely. It's just. and it's funny the way you said that there's a clock. I said I'm sure probably in my house.

utterance: Of course, of course. Well, Ms. Richards let me ask here, let's see. You mentioned that you wanted to go ahead and get your bank statement?

utterance: Yes.

utterance: How is it that you want to receive your bank statement? did you want that sent by mail or email?

utterance: I'd like to have it sent by email.

utterance: OK, OK. We'll go ahead and get that. And you also mentioned that you wanted to know, your next payment is due on November the twenty-third.

utterance: OK, that's when my next payment on my Diamond Card.

utterance: Yes, for your Business Platinum Card the payment is due on November the twenty-third.

utterance: OK, thank you.

utterance: And you mentioned that you wanted the statement sent by email. If you would, just let me know what the email is, that Address is that you wanted the statement send.

utterance: OK, I want it sent to E dot Richards at JBB dot com.

utterance: OK that's E dot Richards at JBB dot com?

utterance: Right.

utterance: All right, and Ms. Richards, what I've done is I've gone ahead and updated your information. and your statements will be sent to the email address that you've just given me on file moving forward, every month during the billing period.

utterance: OK, that'd be great. It's much faster.

utterance: Now Ms. Richards, as well, just so that you are aware, you can always go online and visit us at our website, and from there you'll have access to your account and you can of course update your email address there. You can actually print out and view your statement right there online. as well as check your account balances and when your payments are due.

utterance: OK, that's good to know, but you know sometimes you just wanna speak with someone, and you're just so helpful, but yeah, OK, I will look at doing that as well.

utterance: Fantastic. And of course feel free to give us a call here at the helpline, we always are thrilled to speak with our customers. And Ms. Richards, is there anything else we can assist you with?

utterance: No there isn't. I appreciate all your help today.

utterance: Well, if that's all, we certainly do appreciate your call and you have a fantastic rest of today.

utterance: And you as well.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes, I need to make a payment on my credit card.

utterance: I can do that for you, who am I speaking with?

utterance: It's Jill Baker.

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

utterance: It doesn't matter, you can call me Jill.

utterance: All right, Jill. So, we are doing a credit card payment for you today, is that correct?

utterance: Yes. That's what I'd like to do if possible.

utterance: All right, Jill. Can I recommend our automatic account payments for you? that's where we, basically, set up your account so that your payments draft every month on a due date. And this way you don't have to worry about manually making that payment or making any kind of changes or I'm sorry, or or missing that payment. Or or some how accruing a late fee by paying that late. It's just a little safeguard there to know that it comes out every month, regardless.

utterance: OK, I don't really think I'm interested in that, but thank you. Maybe eventually, just not right now.

utterance: All right, Jill. Well that's OK. I can take that payment from you. I just need to get some information from you real quick, OK?

utterance: What is your account number?

utterance: Can you hold on just a second? I need to look it up. Gimme just one second, please. I need to get my bank statement. It's three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

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

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

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

utterance: Yeah, that's six three nine zero, please.

utterance: OK. And, Jill, are you wanting this payment to draft from your Intellibank preferred business checking account?

utterance: if it's possible, yeah, I I would like that. That'd be much simpler than me adding another account.

utterance: Yep, I can do that. I have the routing info for Intellibank, obviously and it looks like your bank payment is due on the eighteenth of every month. And this month's is actually for four hundred and two dollars and twelve cents. But, did you want me to process that payment today? Even though it wasn't due till the eighteenth?

utterance: Yes, if you could. I need it to kind of be out of the way for right now. So, I know it's early, but go ahead and process it.

utterance: OK. I can get that set up for you. Gonna be just a second, OK? once I get this this payment processed for you, then I'm actually going to have to email you a receipt. the receipt will basically just be the confirmation of the payment. Could I get an email address for you?

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

utterance: All right, Jill. So I've got that payment made for you. you're also gonna receive a disclosure of. email, as well. And that's just to confirm authorization of this one time payment, so, that's just confirming that you agreed to let us pay, to make that payment out of your Intellibank preferred checking account so, you'll get that email. I'm gonna get that sent it out to you, too. Give me just a second, OK?

utterance: OK? Are you in Kansas City?

utterance: Yep. I am.

utterance: Is the weather bad there?

utterance: No, I mean it's cold, but it's not bad here. You mean is it snowing or anything?

utterance: Yeah, I was just curious. I'm actually out of town right at the moment. I'm out of state, really, and I didn't know if the weather in Missouri was horrible, or not. I was just curious. I know you were expecting snow when I left. So, I just didn't know if you got it.

utterance: so I don't know what day you left, but we did receive some snow on Monday. It didn't stick. it was pretty warm out, actually. I think it was like in in the low forties. But, it was still warm enough that we didn't the snow didn't really accumulate or stick. but I haven't heard anything about this week yet, and if they're expecting anything this week.

utterance: OK well, I actually come back tomorrow. I was just curious if I was going to come back to a bunch of snow, or not.

utterance: as of today, no. You're you're just, basically, coming back to some really cold weather. Jill, just real quick here I've got everything set up for you so your payments should draft automatically I'm sorry, on the starting today for that payment that's due on the eighteenth. And then when the eighteenth comes, you will not actually have a payment due, at least for this month. and then, if you decide at any point in time you wanna set that automatic banking up, just give us a call back and we can do that for you.

utterance: Was there anything else that I could do for you today?

utterance: Actually, yes. so, can you tell me, on that on that payment, can you tell me really quick here, can you also let me know what the balance due is and what that monthly payment monthly payment will be moving forward? I know that it's based off of how much I spend, but you just said it was what, four hundred and two dollars and twelve cents you processed?

utterance: Yep, that's right. So it was a four hundred and two dollar and twelve cents that's the payment that was processed today. And then, I can tell you what the what the balance is left on that.

utterance: Give me just a second to run this for you, OK?

utterance: All right. So it looks like for your card, you have, still have a balance due on that. An outstanding balance of four thousand twenty dollars and twenty-two cents. So, you've you've still got that. and again, it it that that payment variates depending on how much you spend from the account, so if you're not going to be spending anything on your card, then you can expect it to be right around that four hundred and two dollars and twelve cents the next time that you. You the next month, as well.

utterance: So it, it may vary, but only if you put more put more money on that card. Was there anything else I could do to help you today?

utterance: I don't think so. I think that's pretty much everything. I'll just watch for that email to get all the information. I appreciate it very very much.

utterance: It's no problem at all, Jill. I just wanna thank you for choosing Intellibank and thank you for you know, choosing to call us today. We'll we'll get this set up for you. And again I just wanna thank you and tell you, in the future, if you decide that you wanna go to an automatic payment, just give us a call back, we'd love to set that up for you. You have a good day.


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

utterance: I would like to apply for SBA five oh four real estate loan.

utterance: All right. I can absolutely help you with that. Let me go ahead and pull that application up, and then I will just need to get some information from you.

utterance: OK.

utterance: All right. to start with, can I have your name?

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

utterance: Thank you Mr. Thomas. And your home address.

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

utterance: Great. And your social security number.

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

utterance: OK. That's three nine five two six eight zero one one. Is that correct?

utterance: Yes.

utterance: Great. And your driver's license and the state that it was issued in.

utterance: OK. Hang on just a second while I get it.

utterance: Not a problem.

utterance: OK. I've got it.

utterance: Whenever you're ready.

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

utterance: All right. And that is O M five three D V H A I Q nine. Is that correct?

utterance: That's correct.

utterance: All right. You said that was California?

utterance: Yes.

utterance: Great, thank you.

utterance: And then what is your authenticating pin number?

utterance: One zero six two.

utterance: Thank you. And a good email address that we can contact you at?

utterance: Thomas customs at Gmail dot com.

utterance: Perfect. And then can I know the name of the business that you're applying for this loan for?

utterance: Thomas Custom Cabinets.

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

utterance: I am.

utterance: Great. And when was the business established?

utterance: July, two thousand eight.

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

utterance: Two hundred and sixty thousand.

utterance: And then I will just need the tax ID number for your business, please.

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

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

utterance: That's correct.

utterance: Great. All right. I've got all that information and oh, I'll just need your business address, please.

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

utterance: Great. And where would you like the mail to be delivered in relation to this loan?

utterance: My personal address, which is thirty-six Edgemont Lane.

utterance: All right, and that was also Canyon Country?

utterance: Yes.

utterance: California? Thank you.

utterance: Yes.

utterance: All right, and then, what's the amount of the loan that you were looking to apply for?

utterance: Eighty thousand.

utterance: OK. And the purpose of this loan?

utterance: I need to upgrade some equipment.

utterance: I'm sorry. I'm sorry. No, no, no. No. I am I can't use that loan for this. I am looking to expand my business so I found another piece of real estate.

utterance: Oh.

utterance: OK. Yes. Yes, the five oh four is a real estate only loan, so But, OK. So you're gonna buy some new property. And what down payment were you looking to put on this as a percentage?

utterance: I can do eight percent.

utterance: All right, eight percent. And what loan term were you looking to get out of this?

utterance: Sixty months.

utterance: Did you say sixty or sixteen? I'm sorry.

utterance: Six zero.

utterance: OK. Thank you very much. OK. I will go ahead and finalize your application. If you'll give me just one moment.

utterance: All right. I've got your application submitted, and you will receive a letter in the mail detailing which supporting documents we need to process your loan. and instructions on how to submit them by mail or fax. Or you can also submit them electronically through your online banking application.

utterance: All right, that sounds great.

utterance: All right. And then once you get that documentation submitted, we will get back with you to let you know the results of your application.

utterance: OK.

utterance: All right. Is there anything else I can assist you with, Mr. Thomas?

utterance: I can't think of anything.

utterance: All right. Well, you have a great day then, sir.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.


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

utterance: Hi Lori. I got this notice in the mail about some free reports. Can you explain that?

utterance: Oh, yes sir. Let's see. Your account receives free credit reports every three months.

utterance: Oh. That's cool.

utterance: Yes, sir. Would you like me to get you a copy, send out to you?

utterance: Wow! That's great. I would like to request a copy of my most recent credit report, please.

utterance: absolutely. Let me just get some information from you.

utterance: OK. How's your day going?

utterance: Oh. It's going pretty good. I cannot complain. So far, so good. The weather's beautiful.

utterance: Good, good, good. It's been raining all day here.

utterance: Oh no. I hate the rain.

utterance: Yeah. My car's running like crap, too. Yeah. It's making a loud noise under the hood.

utterance: Oh no.

utterance: You might want to get that taken care of soon.

utterance: Yeah, yeah. I'm gonna try when it stops raining.

utterance: All right. Let me just get some information from you. OK? Can I have your first name?

utterance: Sure.

utterance: It's Alexander.

utterance: Last name?

utterance: Alexander

utterance: Lopez.

utterance: Alexander Lopez. OK. And, your date of birth, please.

utterance: Six, six, nineteen sixty-two.

utterance: And that was six, six of nineteen sixty-two?

utterance: Yes.

utterance: That's a great year.

utterance: Thank you.

utterance: All right, so, and your address, please.

utterance: I like sixty-nine better, but I'm not sure which one is on file. My new address is one five two Eagle Street. My old address is three one six Northeast Forty-third Street.

utterance: Let me look into that for you. OK? All right. It looks like we have the one five two Eagle Street on file. Is that the address you have that's most current?

utterance: Yes.

utterance: Yes.

utterance: All right, sir. And, I need your account number, please.

utterance: OK. Can you hang on a minute? Thank you. OK. The account number is eight six seven two three five eight nine two seven five.

utterance: Absolutely, sir.

utterance: Thank you sir, for that information. And that was eight six seven two three five eight nine two seven five? And, the PIN number?

utterance: Yes. That's correct.

utterance: it's six two six two.

utterance: Six two six two?

utterance: Yes.

utterance: All right, sir. And how did you want to receive that credit report today? By email, or by regular post?

utterance: Yes. Email's fine.

utterance: Email, and can I just verify your email address please. what we have on file here is A L O P E Z twenty-two at Gmail dot com. Is that correct?

utterance: Yes.

utterance: Yes. That's the one.

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

utterance: Well, unless you can fix my car for me.

utterance: Oh. I apologize sir, but you wouldn't want me touching your car.

utterance: OK. Well thank you very much Lori.

utterance: You're welcome Mr. Lopez. You have a great day.

utterance: OK. You too.

utterance: bye bye.

utterance: Bye.


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

utterance: Oh hello, my name is Sharleen and I was requesting a copy of my bank statement if that's possible.

utterance: Yes, absolutely. I can go ahead and help you out with that. First I'm going to gather some information from you. So first, can I have your name and date of birth please?

utterance: OK. My name is Sharleen Peterson and my date of birth is on the twentieth of December nineteen ninety.

utterance: All right, thank you. And could you spell your full name for me please?

utterance: OK. For Sharleen it will be S H A R L double E N. And for Peterson it'll be P E T E R S O N.

utterance: All right, thank you so much. And can I have your PIN number?

utterance: OK. My PIN number will be two four one three.

utterance: Thank you and can I have your account number please?

utterance: hold on a minute, lemme get it.

utterance: Yes, absolutely.

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

utterance: All right, thank you so much. And how would you like the copy of your report to be sent to you. The copy of your bank statement to be sent to you? Would you like it to be sent by mail or online through email?

utterance: I'll prefer online through email.

utterance: OK, no problem. And can you confirm to me your email address?

utterance: OK. That will be Shapete which is S H A P E T E at Yahoo dot com.

utterance: OK, thank you so much.

utterance: All right, I have just gone ahead and sent you the copy of your bank statement and you should receive it within a couple of minutes.

utterance: Oh OK. Thank you. Thank you on that. And there's also other thing. There's a bank of the business plat card.

utterance: Oh I think you mean our Business Platinum card.

utterance: Oh yeah, that one.

utterance: Yes absolutely, we offer that card at Intellibank. It's one of our highest ranking credit cards and it requires a three thousand dollar minimum balance and it offers high rewards and low fees. And if you like to know more about it or even apply for one, you can go online on our website at Intellibank dot com.

utterance: Oh OK. That good to know. I'll definitely come to the branch to apply for one.

utterance: Absolutely, you're always free to come to the branch or call us again. would you like to know more about online banking so you could request copies of your bank statement easier in the future?

utterance: Oh yes, I'd like to know what what are the requirements on how .

utterance: Absolutely. So we offer online banking through our app. You could download it at the app store, it's called Intellibank. And within the app you are able to do check deposits, make transfers, you could check your account balance, all your transactions, you can even schedule appointments on there or request copies of certain documents. And it's much more convenient than, you know, going to a physical branch or calling customer service. So

utterance: You can always download the app and start online banking through there.

utterance: OK, that's good to know. And in case of I come up. I come a- across any problem, I'll be sure to contact you for assistance.

utterance: Yes, absolutely. after the call, you can start downloading the app and you can start signing in. It will require you to create a username and password. So that will be required to log in. And you can start navigating the app once you do that. But yes, if you have any questions about signing in or signing up or navigating the app, yes you are always free to contact us again.

utterance: Oh OK, that's good to know. And on the username and password, is it something something you guys will create or is it something that is on my document when I created the bank account?

utterance: so this will be something you will create. It will be new, so you will not have this information already.

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

utterance: All right, absolutely. Any other questions?

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

utterance: Absolutely. All right, take care. Have a great day.

utterance: Thank you, you too. Take care.


utterance: OK. Hi, this is Intellibank. How may I help you?

utterance: Hello. How you doing? This is Zack Conner, and I, actually, called earlier I couldn't, actually, set up my. I couldn't. They wouldn't allow my card to go through and to get paid.

utterance: Hmm.

utterance: to pay my credit card off.

utterance: yeah, cuz I was using another credit card. So now I'm just gonna use my account. Maybe that will work. So, I had a issue of trying to get it paid but I was using another card. So, I'm using my checking account now. So, I want to see if you can help me with that.

utterance: OK.

utterance: absolutely, sir. can you give me the number of the credit card you're using.

utterance: Yep, forty-three twenty seven sixteen fifty zero two eleven zero eight eight five.

utterance: Excellent, and can I get the expiration date and the security code?

utterance: Yes.

utterance: expiration date's gonna be zero six twenty-three, and then the security code is two six eight.

utterance: Excellent. Thank you, sir, and for security purposes, can I get your birth date.

utterance: Yes, my birthdate is zero two fifteen nineteen ninety-two.

utterance: And your mother's maiden name?

utterance: Alexis. That's the last name. I know, it it's interesting. Yes. It's the last name.

utterance: Ok. Go it.

utterance: Got it. Thank you, sir. OK and it looks like your account balance at the moment is four hundred fifty-two dollars and sixty-eight cents.

utterance: Awesome. Let's pay it off. I think that'll be good.

utterance: Great, you'd like to pay the entire balance?

utterance: Yes.

utterance: Great.

utterance: And I I'm gonna use my checking this time. That was the issue last time. I I guess the card didn't I don't know what was going on, but there's money on it, but I don't know what was happening. So, I guess we'll just go through with this method and call it a day.

utterance: OK.

utterance: OK sounds good, sir.

utterance: Alrighty, let's get the ball rolling.

utterance: OK so can I have your checking account number please.

utterance: Yup. It is seven six one, five four three three three eleven. And my writing number is five five three eight two one.

utterance: Got it. Thank you. OK well, we've processed this balance. and that should be reflected on your account dashboard if you go onto Intellibank dot com. and you can also see all your other transactions and the statements and such on there as well.

utterance: OK.

utterance: I can set up a autopay for you, if you wanna automate this all onto your checking account number and .

utterance: Yeah can you can you, save.

utterance: That? Is is that possible to save because. Yeah, again, she, the person who was on the phone last time acted like they didn't know what they were doing with my card and couldn't do that so.

utterance: Sure.

utterance: Interesting.

utterance: Yeah, man, doesn't mean anything. Must be her first day, so I won't I won't give her no slack, you know.

utterance: OK.

utterance: Well, I'm glad we could rectify that situation for you, and I hope that we're able to get this all squared away. So, I'm signing you up for the autopay. and that will deduct whatever the balance is on the first of the month. Does that work for you?

utterance: Yes.

utterance: Excellent. so it looks like we're all squared away, unless there's anything else I can help answer for you about any other business needs or other loans and accounts that you may have with us.

utterance: Well, yeah, I I would say the what is the the loan part what what's your percentages when it comes to the loans platinum

utterance: Platinum. Well it's. You know, it's

utterance: Really gonna depend on the amount of the loan and what type of loan we're talking about. So, I would need to connect you to a loan specialist to to discuss that specifically cuz everything is gonna be specific to your particular situation and your business.

utterance: Platinum.

utterance: OK.

utterance: OK.

utterance: Right.

utterance: but that's really something I'd be happy to hook hook you up with. I can transfer you to that department now or you can go onto the website and contact someone at your convenience.

utterance: Yeah, I'll just get on the website and get it done. No problem.

utterance: OK great. well, I hope I've been helpful today in sorting out that mess. Sorry everything got a little mixed up earlier but at least we've got this done and I hope that we're on our way to getting you what you need.

utterance: Yes, sir. I greatly appreciate your help and your time. again, sorry about the if I had an attitude in the beginning, man, but a little frustrating but it's all good. Yeah, yeah, yeah, yeah. So it's all paid and then we got it we're just gonna save the card so I won't have to do all that, you know just come out automatically, right? or is the card just on file?

utterance: No, no. I completely understand. It can be very frustrating.

utterance: yes, it's on.

utterance: Tha~

utterance: It the amount due each month will be automatically deducted on the first of each month.

utterance: OK OK OK.

utterance: So you don't need to worry about calling in to make payments any further.

utterance: All right, and what's the set amount again?

utterance: The set amount is just the current balance due. Yeah. Yeah exactly.

utterance: The current balance. OK. Whatever that is .

utterance: OK cool. Got it. Thank you so much for helping me, man. God bless.

utterance: Excellent.

utterance: Sir. Thank you so much.


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

utterance: Hi Daisy, this is George. How's your day goin?

utterance: My day is going well, how bout you George?

utterance: Same here, fantastic. so my company is actually lookin to move into a new building and we found one for sale it's right in our price point. But I'm going to need to get a loan to get that. So could you please give me the location of the nearest branch? And could you also tell me their hours?

utterance: Nearest branch location an hour, sure I'll be happy to help you with that. George, what is the address that we're gonna, that we're shooting for? Like close to which address?

utterance: The address is one twenty one Parkside, actually you know what, I need to go there to apply for a loan. Is that something I could just do over the phone with you?

utterance: Apply for a loan? Yeah we could do that over the phone, sure. What kind of loan? You said you're gonna purchase property?

utterance: Yeah.

utterance: Are you looking for a real estate loan?

utterance: Yes.

utterance: Okay, yes I will be happy to help you make that application and let me just pull up the application on my computer here. Okay. So, please provide me your full name.

utterance: George Emory.

utterance: Will you spell that George?

utterance: G E O R G E E M O R Y.

utterance: Thank you, your street address?

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

utterance: Thank you. George, what is your full social security number?

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

utterance: And your phone number please?

utterance: Six one two two two nine three nine zero nine and just in case you need it, my email is G Emory trades at Gmail dot com.

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

utterance: September twenty-first nineteen ninety-nine.

utterance: All right. What is your driver's license number?

utterance: It is, Z one zero seven two eight nine one one two.

utterance: And which state was that issued in?

utterance: Missouri.

utterance: Missouri, thank you. What is you Intellibank pin number?

utterance: Sixteen sixty-two.

utterance: And your business name, the name of your business?

utterance: It's Emory Data Management.

utterance: Thank you, are you the sole owner?

utterance: Yes.

utterance: And when was your business established? What is the business establishment date?

utterance: It's December eighteenth twenty nineteen.

utterance: Thank you. What are your gross annual sales?

utterance: Eight hundred and eighty-nine thousand dollars.

utterance: What is your tax ID number?

utterance: Seven three nine zero zero one zero two nine.

utterance: And what is the address of your business?

utterance: It's one fifty-three Pine Cone Circle, Branson Missouri, five five three two four.

utterance: Thank you. Where would you like to receive your mail? At your home or your business address?

utterance: My business address.

utterance: One fifty-three Pine Cone Circle, Branson Missouri, five five three two four.

utterance: That's right.

utterance: All right, and how much does this real estate cost?

utterance: It's six hundred and ten thousand.

utterance: Okay, what is the address there?

utterance: Three oh nine Vermont Avenue, Branson Missouri, five five three two four.

utterance: Thank you. And how much of a percentage will you be putting down for a down payment?

utterance: I'd like to put down fifteen percent. So it's about ninety-one thousand five hundred dollars.

utterance: Yes sir. Okay. That is all the pieces of information we need for the application, now from here you'll receive and email shortly. This email will ask for the supporting business documentation. Once you have submitted that we will get back to you within three business days with the results of your application. Is there anything else I can help you with today George?

utterance: Can I apply for the loans on, online?

utterance: Yes, you can apply for loans online at WWW dot Intellibank dot com.

utterance: Okay, that's good to know.

utterance: All right, I actually have a transaction ID number coming up if you'd like to write this down.

utterance: Sure.

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

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

utterance: All right George, anything else I can help you with?

utterance: Nope, that should about do it.

utterance: Great, have a great day and thanks for choosing Intellibank.

utterance: You too, bye.

utterance: Bye bye now.


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

utterance: Hey, Jerry. I was gonna stop by the branch but I got busy so I decided to give you a call. I wanna add an authorized user to my account.

utterance: Terrific. Happy to assist you with that, ma'am, and if I could just ask what's your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what's the name of your business?

utterance: Jones Bid and Bath. And by the way I also would like to know your branch hours.

utterance: All right. Certainly. Happy to assist you with that Ms. Richards. the hours of our branch operations are Monday through Friday nine a.m. to four p.m. and Saturday's nine a.m. to noon.

utterance: Great. OK. Thanks.

utterance: You're welcome. You're welcome.

utterance: All right. You know what. I just was so am, not was, excited about the Braves winning the world series. I am so happy.

utterance: Yes, ma'am, that is certainly exciting for a lot of folks I know, particularly in certain parts of the country they had been waiting a long time for that. in that city I think of Atlanta and it's been, I think they said, twenty-six years is what they said on television.

utterance: Yes and it's just gonna take a long a while just to let that soak in. It's feels great.

utterance: Well, it seems like you definitely are a big Atlanta Braves fan.

utterance: I am and I got even more to be one just seeing this series. I watched every game.

utterance: Well, I'm sure they really appreciate that and it was a very very good world series.

utterance: It sure was.

utterance: congratulations to you.

utterance: Thank you, thank you.

utterance: And I'm just gonna ask you a few questions here in order to pull up your account and assist you with adding this new user to the account there, Ms. Richards. Is that all right?

utterance: That'll be just fine.

utterance: first let me ask, what is the phone number and date of birth for yourself?

utterance: It is six seven eight two zero two eight zero three one. And my date of birth is eleven eleven nineteen eighty-four.

utterance: OK and what is your account number?

utterance: The account number is nine eight four six six five nine. OK, OK, I'm sorry, that's not correct. It's nine eight four six five nine nine.

utterance: All right. Terrific. That's nine eight four six five nine nine?

utterance: That's right.

utterance: Thank you, Ms. Ms. Richards. And let's see here let me just ask what is your PIN number?

utterance: You're welcome.

utterance: Seven zero one two.

utterance: All right. Thank you for verifying your account and now I can go ahead and proceed with adding the names and information for the new user that your adding the account. What is their first and last name?

utterance: Ruby Malone.

utterance: OK, Ruby Malone.

utterance: Yes.

utterance: And Ms. Richards, what is Ruby's or Ms. Malone's address?

utterance: Four one five Central Avenue, Smyrna Georgia, three zero zero zero eight.

utterance: OK, that's four one five, Central Avenue, Smyrna Georgia, three zero zero zero eight?

utterance: Right.

utterance: OK and by the way, what is Ms. Malone's social security number?

utterance: OK. Her social security number is three zero five four zero two one three five.

utterance: All right. And do you have the driver's licence number for Ms. Malone?

utterance: Yes.

utterance: That is?

utterance: Zero nine seven five nine eight two two.

utterance: OK. Zero nine seven five nine eight two two?

utterance: Right.

utterance: And what is the state?

utterance: That is for Georgia.

utterance: And what is the email address for Ms. Malone?

utterance: It is Ruby dot Malone at mail dot net.

utterance: OK and is that her business address or or or no?

utterance: Yeah, that's her business.

utterance: OK. and I know that she's being added to your account.

utterance: Right.

utterance: OK. Understood. And what is the date of birth for Ms. Malone?

utterance: Three ten nineteen seventy.

utterance: And you need to create a Pin number for her as well that's separate from yours. What is that Pin number.

utterance: One zero one seven.

utterance: All right. Thank you for that Ms. Richards. I've gone ahead and added Ms. Malone information to your account and we've gotten that processed and she is now an authorized user for your account.

utterance: OK, great. I really appreciate that. I needed to get that done.

utterance: Well, Ms. Richards, is there anything else that I can assist you with here today?

utterance: No, there's not anything else for today.

utterance: well, Ms. Richards, we certainly do appreciate you giving us a call here at Intellibank and keep in mind if you ever have any questions or what have you don't hesitate to give us a call again.

utterance: I sure won't. Thank you so much.

utterance: Thank you and, Ms. Richards, you have a terrific day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes. I'm calling to make an appointment with a risk specialist. And what is it exactly a risk specialist do? How are they able to help me with my business finances?

utterance: Oh sure. Our risk management specialists are financial managers. They use their specific training skills and experience to identify possible risks that could result in a lower cash flow for your company We make sure that you. They make sure that did you have an higher insurance rates for your business so that you can actually grow instead of actually having some accumulated disadvantages that will create a issue with your business protocols.

utterance: Mhm.

utterance: They can help you meet market trends, make sure that you have no issues simulating any costs versus costs versus asset protocols, and that'll help you build your company better.

utterance: Okay.

utterance: Yeah. So in order to mitigate various a lot of risks that come from business protocols, you can actually work with one of our you know well-trained risk management specialists and they really help you understand how to keep your business afloat.

utterance: Hmm, OK. very well explained there.

utterance: Mkay.

utterance: All right, thank you so much sir. So would you like to go ahead and set up an appointment with one of our risk specialists?

utterance: Yes, if you don't mind.

utterance: Alright sir. First I need to get a little information from you so that I can set up your appointment. Is that OK?

utterance: That's okay with me.

utterance: OK sir. Can I get your first name please?

utterance: Yes, my first name is Gabriel.

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

utterance: Yes.

utterance: Alright mister Gabriel, Can I have your last name please?

utterance: My last my last name is Robinson.

utterance: Alright, Mr. Robinson. Yes. R O B I N S O N correct?

utterance: Yes, yes.

utterance: Okay. And would you like your appointment in person or online?

utterance: I think I'm umma do this one online.

utterance: Alright, so you want to schedule online appointment.

utterance: Yes.

utterance: Okay. Let me take that down for a moment. And what date would be good for you?

utterance: Just pick one for me.

utterance: We have some appointments available on Monday. The eighth? And we have a few appointments available on Wednesday and Friday as well. Would you like an a.m. or p.m. appointment?

utterance: I'm an early riser. I'll take a a.m..

utterance: Okay so is Monday at eight thirty a.m.?

utterance: Eight thirty a.m. you say?

utterance: Mhm. We also have a nine thirty and a ten.

utterance: Can I try that ten o'clock one?

utterance: I can certainly set you up for that appointment at ten o'clock. Let me take that down for you. All right Mr. Robinson. I have you set up an appointment with one of our risk management specialists on Monday November eighth at ten p.m.. I mean ten a.m.. Sorry. You're an early morning riser correct?

utterance: Yes, yes.

utterance: Okay. So that'll be online appointment Well We'll send you some information about when that appointment will come on. Online appointments they usually send you an attachment in an email so You look out for that email attachment and you'll be able to go on to one of our Zoom meetings and They'll give you the information and and everything will to set up that appointment with one of our advisors that Is that okay?

utterance: Okay, that sounds good.

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

utterance: That's about it. And you said that this is a Zoom meeting?

utterance: Yes sir. It's gonna be a Zoom meeting. It's gonna be online You can do this over the phone or you can do this on your laptop or desktop computer.

utterance: All right.

utterance: Okay.

utterance: So that link'll open up and you'll be able just talk to one of our financial risk managers. Rich manage management specialists.

utterance: Okay. Okay, that sounds simple enough.

utterance: All right sir. OK. Is that all for you today?

utterance: yes. That's about it. Thank you so much.

utterance: OK. Thank you

utterance: So much Mr. Robinson for your time and patience. Again my name was Natasha. I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank You. Bye bye.

utterance: Bye bye.


utterance: Thank you very much for calling Intellibank. This is William.

utterance: How may I help you today?

utterance: Hello, William. My name is Lydia. How's it going?

utterance: It's going great, Lydia. Thank you very much. How are you doing?

utterance: You know I have a lovely office to work out of.

utterance: Nice sunshine shining through my window. I don't know how it could get any better.

utterance: That sounds actually lovely.

utterance: Mhm.

utterance: Unfortunately here at Intellibank, we have no windows.

utterance: Mhm.

utterance: Wow. I'm surprised to hear that.

utterance: No. It keeps us focus on the calls.

utterance: I thought that was illegal.

utterance: not in Arizona, where we are located.

utterance: Oh, you're in Arizona A.

utterance: Just the call center.

utterance: Mhm.

utterance: But those windows sound lovely.

utterance: Yeah. I feel bad I mentioned it now.

utterance: So are you a small business owner?

utterance: You know I am.

utterance: And do you currently have an account with Intellibank?

utterance: I do.

utterance: Great.

utterance: Mhm.

utterance: Well, why don't we start by pulling that account.

utterance: OK. Sounds good.

utterance: what is your first and last name as it appears on the account?

utterance: Lydia Pizzazo.

utterance: All right and I'm gonna need your date of birth and your social security number.

utterance: OK. I'll give you my social security number first which is six six one three three two four one two and my date of birth is July thirteenth nineteen eighty-three.

utterance: That was July thirteenth nineteen eighty-three?

utterance: You got it.

utterance: All right.

utterance: Yeah.

utterance: and what is your four digit PIN?

utterance: give me one I'll be. I I can go grab it.

utterance: if you need to hold for a moment, that's absolutely fine.

utterance: I do. Thank you.

utterance: Thank you.

utterance: Mhm.

utterance: Mhm mhm mhm. OK. I got it.

utterance: Great and what is that four digit PIN?

utterance: One eight seven two.

utterance: Right. OK. That gets us right through into your account.

utterance: OK. So it shows you that you do have a gold business card with us and it looks like you also have a small real estate loan for your location.

utterance: Mhm. Mhm.

utterance: Mhm.

utterance: what were you calling about today?

utterance: I would like to a line of credit opened.

utterance: OK. That should not be a problem.

utterance: OK.

utterance: it looks here like you've been a customer of ours for fifteen years and and you have been making those loan payments so we should be able to get this through today.

utterance: Mhm.

utterance: Perfect. It pays off to make those payments on time.

utterance: Exactly.

utterance: Mhm.

utterance: So what will the purpose for this loan be?

utterance: The reason why I would like the loan?

utterance: yes. Where would you be using this money for?

utterance: You know. I have some fresh orange juice on my desk at the moment and I would like to take a few sips before I answer.

utterance: Sure. Please take your time.

utterance: Thank you.

utterance: Oh, it's so fresh and delicious.

utterance: Have you had any juice today?

utterance: No. Unfortunately, Intellibank does not allow any liquids at our desk while we're working.

utterance: got you on a tight leash over there.

utterance: Yeah. At least I'm working.

utterance: I guess you have something to be grateful for. Way to keep a positive, mental attitude.

utterance: Well, I try my best especially while I'm on the on the calls.

utterance: Oh, I hear you. So I just I need some installation done in one of my locations and that's the main reason for my loan. I mean credit credit that I need.

utterance: not a problem and what is the address of that location?

utterance: One seven O'Drilly Way on Park Place, Illinois.

utterance: And what is the gross income of that business?

utterance: That would be eight hundred thousand dollars a year.

utterance: And I'm gonna need your tax ID number.

utterance: Mhm, certainly. Zero zero one six three two five five three eight.

utterance: Are you the sole owner?

utterance: Certainly is. I am. Yes. Yes, I am.

utterance: And what is the establishment date of your business?

utterance: November fourteenth eighteen nineteen eighty.

utterance: It's a long a long standing business I have.

utterance: Congratulations on that business being around so long.

utterance: Thank you.

utterance: I have put in for your line of credit and it looks like we can get you thousand dollars in credit today.

utterance: Oh, wow. That's that's wonderful news. Thank you.

utterance: All right. Well, that is already available in your account.

utterance: Superb.

utterance: Is there anything else I can do for you today?

utterance: Not today. Thank you very much.

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

utterance: Goodbye.

utterance: You too.

utterance: Bye.


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

utterance: Yes, I need to close my business account but I need to do it soon. I have an appointment in like thirty minutes so I'm trying to close it. Can you help me with that?

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

utterance: It's Jill Baker.

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

utterance: You can just call me Jill I guess.

utterance: All right Jill. So are you wanting to close a business account? Is that correct?

utterance: Yes, that's correct.

utterance: And is that a checking or a savings account.

utterance: Oh, sorry. It's it's my business savings account.

utterance: All right, Jill. Can I ask why you're wanting to close your savings account with Intellibank today?

utterance: I just don't use it. And we have a savings account thought our payroll bank that we use. So I just don't use this account.

utterance: OK. Could I possible interest you in hearing more about some of our other saving account option to see if we could find possible find a savings account you might think we would be more useful to you and your business?

utterance: No, I'm sorry. I really just want to close it.

utterance: OK, Jill. Let me check on this for you. What is your account number?

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

utterance: All right, Jill. Can I also get your date of birth please?

utterance: Yes. it's March second of nineteen eighty.

utterance: OK. And it looks like your account has a four digit passcode for security purposes. Can you also tell me that PIN number?

utterance: Yes. So it should be three eight nine zero.

utterance: OK, Jill. Let me look here, Jill. So it looks like your savings account currently has a balance of five hundred and ninety dollars in it.

utterance: What would you like me to do with that balance that you currently have in your account?

utterance: Can you just transfer it for me?

utterance: Yeah, I can do that. Do you have any other accounts with Intellibank?

utterance: Yes, I have a business checking account. Can you just move it to the business checking?

utterance: Yeah, I can do that for you. What is your business checking account number?

utterance: So it's three seven three seven two eight two nine zero. And that's my Intellibank clear savings account that we're closing, correct?

utterance: Yeah, it's actually Jill it's actually your Intellibank smart savings account that were closing today.

utterance: Intellibank doesn't offer a clear savings account so I think that that's that may be what you mean. But yes, it's your Intellibank smart savings that we're trying to close today. OK?

utterance: OK. Yes, I'm sorry. That's what I meant. yes. So this the. That's the one I want to close. It's the smart savings account.

utterance: OK. And do you want the entire balance transferred to this commercial checking? Correct?

utterance: Yes, please.

utterance: OK. We're going to use the Intellibank routing number to get this moved. Give me just a moment. I'll get this transferred for you. And then we'll get that smart savings account closed for you too. OK?

utterance: On the transfer, that mean those funds are available immediately in my other account. Is that right?

utterance: Yep, that's right Jill. So those funds will be available there immediately. I've have to I have got those funds transferred for you.

utterance: And I have that account closed now. So was there anything else I can do for you today?

utterance: Yes. So actually while I have you on the phone can you possible tell me the currency exchange rate for Europe?

utterance: Yeah. I'd be happy to do that for you. So you're wanting to find the currency exchange rate for Europe. is that correct?

utterance: Yes, that's right.

utterance: OK. So Europe uses euros which is a second.

utterance: so what is the secondary currency you're trying to find that exchange rate comparison for?

utterance: It'd be US dollars. So I just need to see what that what it converts to basically.

utterance: OK. I have your name and date of birth but could you give me that four digit PIN one more time?

utterance: Yes. So it's three eight nine zero.

utterance: All right. OK. And the source currency that you're trading from is euros.

utterance: Yes. That's right.

utterance: And your destination currency set as US dollars. Correct?

utterance: Yes, that's right.

utterance: OK. And what is the amount that you are trying to trade?

utterance: So it's twelve thousand eight hundred and fifty dollars US dollars.

utterance: OK. Let me get that exchange rate for you. Give me just a moment, Jill. OK? All right.

utterance: OK. So let me let me get that I'm gonna get that searched up for you here. Give me just a second. OK?

utterance: Does Intellibank have a currency trade option on their online banking? Like can I change a currency when sending money through my online banking account with you guys?

utterance: Unfortunately Jill, Intellibank does not have that capability as of right now and we do not have the option for a currency exchange through online banking.

utterance: But what I can do is I could email you some links to a site that we use to research the currency exchange rates and that might that might help you if you have some resources might help you find some resources if you're trying to convert funds in the future. would that be something that would be helpful to you?

utterance: Yeah, so is that like a public site or is it something I have to pay for?

utterance: No, so there are several public sites to to check the exchange rate but I'm gonna send you a few option OK? Can I confirm your email address Jill?

utterance: Yeah. So my address my email address is J Baker it's at Johnson Controls dot com. So it's J as in Jill Baker at Johnson Controls dot com.

utterance: OK, Jill. I do have that exchange rate and the US amount for that. So the US amount is twelve thousand and eight hundred and fifty dollars.

utterance: And for that amount the currency would be eleven thousand one hundred and fourteen ninety-three in euros.

utterance: OK, thank you. So you're going to send me that website though info as well right?

utterance: Yep. That's right. I'm gonna send that over to you now. let me email that. I'm getting that emailed right this minute.

utterance: OK. I got that emailed for you. Was there anything else I could do to help you today?

utterance: No, I think that's everything. I appreciate it. Thank you so much.

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


utterance: Good morning and thank you for calling Intellibank. My name is Mandy. and I will be I will be assisting you on this recorded call for customer satisfaction. Who do I have the pleasure of speaking to today?

utterance: Yeah my name's Cameron Sonsini.

utterance: Cameron? How are you today?

utterance: Yeah.

utterance: I'm doing great! So I kinda got a weird question. So I was thinking about going on vacation but I'm trying to figure out whether or not I should go to Poland or I should go to Japan. And you know I'm not the richest guy in the world so what I wanna do is I kinda wanna look at the exchange rates, see where I can get the best bang for my buck.

utterance: Mhm.

utterance: OK.

utterance: All right. So what first off what is the exchange rate for Japan?

utterance: All right, I'd be glad to help you with that today.

utterance: Great.

utterance: First Cameron I need to get a little information from you so I can pull you up on our system.

utterance: Yeah.

utterance: How do I spell your first name?

utterance: OK. It's C A M E R O N.

utterance: And can you spell your last name for me please?

utterance: Yeah sure.

utterance: S O N S I N I.

utterance: S O S S I N I?

utterance: Oh no it's

utterance: S O N. Son.

utterance: S O N.

utterance: OK. S O N S I N I.

utterance: Yeah

utterance: That's it.

utterance: Great. And may I have your four digit PIN number that you created for your account?

utterance: Sure thing.

utterance: It's three four five seven.

utterance: Three four five seven. All right. All right I do see you here in the system and you please verify your date of birth?

utterance: Sure thing. August seventh nineteen ninety-seven.

utterance: OK terrific. All right. So we want to check exchange rates and please tell me again what was the first one you wanted me to check?

utterance: Cool.

utterance: The

utterance: First one I'd like would be to Japan.

utterance: For Japan, OK. So we'll be looking at the yen. All right. One moment, I just will pull this up on the screen. And while I'm doing that I did wanna let you know that while we're always happy to do this for you over the phone you can even do this on our website and our mobile app.

utterance: Yes Japan.

utterance: Oh.

utterance: Yeah.

utterance: Oh yeah,

utterance: That's good to know.

utterance: OK. So looking at the the American dollar compared to the yen, the yen is coming in at one point five zero.

utterance: All right. Mind if I write that down?

utterance: Yeah

utterance: Take your time.

utterance: Let me

utterance: Find a pen. Do do do. OK what was that again? One point.

utterance: One one point five zero. When are you planning on traveling?

utterance: I've seen.

utterance: I'm thinking maybe sometime in February.

utterance: OK. So what I would suggest for you to do is keep an eye on the trends. You can look at it daily you can even look at it by quarter.

utterance: All right

utterance: Oh does it

utterance: Fluctuate a lot?

utterance: It can yeah, absolutely. Based on the stock markets, based on peoples' spending, and the if you notice a trend that might be the time for you to do your exchange.

utterance: Huh!

utterance: Yeah just, you know, it's that you've got enough time to plan this trip out so you wanna get the most bang for your buck I'm sure.

utterance: Yeah

utterance: so what is the case with Poland?

utterance: OK

utterance: So we're gonna look at the Euro for That. OK. Great. let me look that up. Just waiting for my screen to load.

utterance: All right. Great.

utterance: All right. The Euro.

utterance: All right. OK. So the Euro right now is coming in at point eight five. So you're getting little bit less per dollar. Although I'm just gonna quickly just look at the trend for that cuz the Euro really does fluctuate.

utterance: Yeah that's

utterance: What I thought.

utterance: Well actually it's it's on the upswing. It actually was coming in at point six five. I'm guessing the pandemic really affected that Euro.

utterance: Right, so there's a chance that didn't realize how volatile a thing that is. OK.

utterance: Right, right. I I know I know spending is really happening over in the Asian countries there's so much what's the word I'm trying to say? So much import export business.

utterance: And just one more country I'd like to look at. What is going on in Russia?

utterance: Sure.

utterance: OK let me check that here. OK so Russian currency is coming in at one point one zero.

utterance: One point one zero OK. You know it's not my first choice but I've been thinking about it, it might be a good time so I don't know we'll see OK so.

utterance: Mhm.

utterance: You've got a lot of options there and you you're able to look at this online as well are there any other questions I can answer for you today Cameron?

utterance: Yeah.

utterance: Do you know what, I think that should do it. I appreciate your help.

utterance: Absolutely. Well thank you for calling Intellibank customer where we do value your business and I wish you a wonderful day.

utterance: All right. Thank you.

utterance: All right, have a good one.

utterance: You too, bye bye.


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

utterance: Hello, my name is Salim, and I'm calling to enquire about my company's quick liquidity ratio.

utterance: All right, no problem. I could go ahead and help you out with that. First I'm going to gather some information from you. So first may I have your name and date of birth please?

utterance: OK, my name is Salim Peterson, and my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right, thank you so much for that, and may I also get your pin number?

utterance: OK, my pin number is three five, four six.

utterance: All right. Thank you for that.

utterance: And can I get the time period where you want to get your quick liquidity ratio?

utterance: for this quarter please.

utterance: All right, no problem, for this quarter. and it's going to take a couple of seconds to calculate.

utterance: All right, I see your company's quick liquidity ratio for this quarter is point four.

utterance: Oh, that's good to know, and does your bank offer the business plat card?

utterance: Oh, did you mean our business platinum card?

utterance: Yeah, I meant that one.

utterance: Yes, absolutely, we offer that. That is one of our highest ranking credit cards, and what it is, it offers high rewards and low fees, and there is a three thousand minimum balance required for that credit card. And if you wanted to learn more about it or apply for one, you can go on our website, and you can read about it, and you'll have the option to apply on there.

utterance: Oh OK, thank you for that, and how's the weather over there?

utterance: Oh, the weather's so nice thank you. It's very warm and sunny. How's the weather with you?

utterance: Oh, it's also warm and sunny , great for the .

utterance: Move around .

utterance: Yes absolutely, I agree.

utterance: And, I was wondering what exactly is the quick liquidity ratio all about, what exactly does it mean?

utterance: Yes.

utterance: Yes, so what it is, is it's, the definition is, it's the company's ability to meet it's short term obligations.

utterance: Oh, oh, OK, and how is it measured?

utterance: So it's measured by dividing the value of company's assets by the value of it's current liabilities.

utterance: Oh. like what my quarter .

utterance: Yeah so it's, it's only for this quarter. If you wanted it, to find out for this quarter, then the current liabilities will be only for this quarter as well.

utterance: Oh, OK, that's good to know. At least now I understand more about it.

utterance: Yes, absolutely, and also would you like to know more about online banking so you could figure out the quick liquidity ratio easier in the future?

utterance: Yes.

utterance: Yeah, I'd like to know how to .

utterance: Absolutely, so we offer an app, for Intellibank at the app store. and you can download it, and you could do online banking on there. You can do almost everything you do at a physical branch, with our app, such as making cheque deposits, making transfers, checking your account balance and transactions. You can also update your business information through the app as well, and you could do things such as scheduling appointments with the bank, and you can do all that within the app.

utterance: Let's , it has all of the, all of the services that I require right?

utterance: Yes, it has all the services except if you would like to make a cash deposit, you will have to go in person to a branch or an ATM for that.

utterance: Oh, but for a cheque deposit, I can just upload it on the app right?

utterance: Correct, you could take a picture of it and it will upload for you.

utterance: Oh, OK, and will it require any other verification for the cheque deposits or is it just.

utterance: Or what does it, or what else does it require?

utterance: for the cheque deposit, there's no other verification really. You just upload the the front image and back image of the cheque.

utterance: Oh, OK, . I'll just likely try the app sometime soon.

utterance: Absolutely, well, is that all the questions you had for me?

utterance: Yeah, that was it for now.

utterance: All right, thank you. No problem, and have a great day.

utterance: You too, thank you for your help.


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

utterance: Yes, so I was wondering if you could tell me the current CPI, please?

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

utterance: It's Joe Baker.

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

utterance: You can just call me Joe that's fine thank you.

utterance: All right Joe, so you are wanting to check the consumer price index is that correct?

utterance: Yes, that's right.

utterance: And you currently have an account with Intellibank?

utterance: Yes, I do.

utterance: All right Joe, and do you own a business?

utterance: Yes, I do.

utterance: OK. I'm gonna get just some brief information here real quick just to verify. So what is your account number, Joe?

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

utterance: All right Joe what's the name of your business?

utterance: it's called Johnson Controls.

utterance: OK Joe, and what is your date of birth?

utterance: My date of birth is March second of nineteen eighty and my social is four zero nine two one zero eight zero six zero.

utterance: OK, I I actually don't need your social security number today but I've got your account number I appreciate that. Jill, there's also a four digit PIN number on it on the account for security purposes. Could you share that PIN with me as well?

utterance: Yes, so the PIN is six four seven eight.

utterance: OK. All right Jill, so I got your account verified here real quick. so can you tell me what kind of goods are sold at your business?

utterance: Yes, so I do repairs for people but I also sell certain item mainly medical supplies.

utterance: OK Jill, so let me see. So you're basically wanting to find out what the CPI is been on those medical supplies, is that correct?

utterance: Yes, sorry just if you could tell me the consumer price index on what the medical supplies are that's all I need.

utterance: All right. So what periods are you wanting to look at for this price index?

utterance: can you hang on one second? I'm I'm trying to compile something for my business I just want to make sure I have all the years hold on one second for me. so I think it would be two thousand nineteen and twenty twenty if I could.

utterance: OK yeah, let me look this up for you give me just a moment to run these metrics for you. OK, so the first one I have for you is two thousand nineteen and for that one, the consumer price index for medical supplies was around eleven percent. let me look here for twenty twenty. All right. And it looks like for twenty twenty the cost of consumer goods sold for medical supplies was around twenty-four percent, and that was one of the highest averages for medical ply supplies since nineteen eighty-eight I'm sorry nineteen ninety-eight. the surges is likely result of the pandemic and the influx of medical supplies and the need for them. but again that's one of the highest it's been in quite some time.

utterance: Oh my goodness so I knew it was high I didn't know that it was that high. I mean that's that's gonna be ridiculous I can imagine that twenty twenty-one is on track as well to be that high.

utterance: Yeah so it looks like right now for twenty twenty-one it's already at about twenty percent and we still have about five months left in twenty twenty-one. So it's possible that we may surpass that twenty twenty CPI for medical.

utterance: That's really high. Thank you I appreciate you looking it up for me.

utterance: No problem at all Joe any time you like to find out the CPI for anything you can also find that information on the US Bureau of Labor and Statistics website. They also break down each good and each period and give a pretty detailed explanation of the current index or you are also always welcome to call us here at Intellibank bank anytime you need assistance as well.

utterance: OK, thank you. Did you say that that was on the Department of labor?

utterance: No, it's actually on the US Bureau of Labor and Statistics if you hold on just one second I'll actually look up that website for you here. Wait just one second I'll I'll get that looked at for you. Hang on I'm I'm gonna search that for you real quick here.

utterance: It's no problem take your time. I'm I'm sorry can you hear the equipment running in the background? It's really really load. the building that I'm in they're building a wall divided in my office, so it's lots of construction going on it's very noisy here.

utterance: Oh, it's it's not a problem I actually don't hear anything at all are are they remodeling your office?

utterance: No, so they're actually building like a little half wall it kind of separates where the offices are from the main lobby. So it's essentially just a wall that they're building but it's a very nosy wall. So it's really loud in here and I I apologize ahead of time if you can't hear. it's taking them a lot longer. They were supposed to be out of here today but I think because of covid, they've been a bit short-handed.

utterance: Oh it's understandable we've had a so we've had several out of our office as well as either being sick with it covid or that quarantine right now.

utterance: it's OK I'm not upset or anything it's just really loud so I just wanted to make sure you knew that if you couldn't hear me just tell me and I'll I'll speak louder.

utterance: That's OK I can hear you just fine Joe. So I've got that website for you. So the website is WWW dot B I S dot governess, WWW dot biz dot gov.

utterance: OK, thank you. I've written it down I appreciate it.

utterance: No problem at all Joe is there anything else I can do for you today?

utterance: No, I think that's everything thank you so much.

utterance: No problem Joe thank you for choosing Intellibank. You have a great day, OK.

utterance: You as well.