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

utterance: Hi Jaimee, how are you?

utterance: I'm great, thank you for asking. How are you?

utterance: I'm doing pretty good! I'm just quite honestly trying to get my finances in order, I'm making a move soon so just getting all that paperwork. I would like to get the yield for a treasury bond that I have here. and I would also love to get a stock quote while I'm on the phone with you.

utterance: OK sure. I'd love to help you out with both of those things today. Can I start by getting your full name and your date of birth please?

utterance: Yes. so my first name is Rachel, R A C H E L last name is Thompson, T H O M P S O N. And date of birth is November twenty-seventh, nineteen eighty-seven.

utterance: OK Rachel. I'm gonna go ahead and pull up your account. Can I start by getting your account number please?

utterance: Mhm.

utterance: Sure. It is four eight oh seven three five oh nine zero two.

utterance: OK and just to confirm, that was four eight zero seven three five zero nine zero two.

utterance: Yes.

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

utterance: Yeah, OK no problem.

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

utterance: Sure. It is let me see here, I have it in my paperwork, give me one second.

utterance: Of course, take your time.

utterance: Oh here we go. it is four four one seven.

utterance: Four four one seven. OK great. And you might recall that when you created your account you did set up a few security questions. I'm gonna go ahead and ask you those now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: Clarkson. C L A R K S O N.

utterance: OK. And what high school did you go to?

utterance: Saint, just S A I N T.

utterance: Saint. OK, great.

utterance: Mhm.

utterance: OK Rachel, thank you for going ahead and verifying that information for me. I am able to pull up your account, so give me just one moment please.

utterance: OK great, thank you.

utterance: You're welcome.

utterance: OK Rachel, I do have your account in front of me. And you said you wanted to go ahead and check on the yield of your treasury bond?

utterance: Yes, that would be great.

utterance: OK. Give me just one moment to pull that up.

utterance: OK thank you.

utterance: OK and what time period did you want to check on that on? What what what's the bond type?

utterance: it's a five year bond.

utterance: Five year bond, OK let me go ahead and pull that up.

utterance: Mhm.

utterance: OK so it looks like the yield is seven per cent.

utterance: OK great so good to know, yeah thank you very much. yeah and then like I said it I would also love to get a stock quote if that's possible.

utterance: OK. Yeah. Give me one moment, let me close this out and then pull up the stocks.

utterance: Mhm.

utterance: OK and can I go ahead and get the stock code? That's usually capital letters, a couple of them.

utterance: Yes I wrote it down here, give me one second. sorry, I have so many things written down, lots of phone calls to make today. OK I've found it. it was P H X.

utterance: That's OK, take your time.

utterance: P H X OK. Give me just one moment to run that.

utterance: Mhm.

utterance: Yeah, no problem.

utterance: OK so it looks like the value of that stock is currently at twenty-five hundred.

utterance: OK, great. OK.

utterance: Did you want

utterance: To check any others while we're here?

utterance: Yeah, you know what? there were a couple more that I was looking into. yep, I just wanna check them while I have you on the phone. I mean why not, right?

utterance: Sure.

utterance: OK so I have here B A C.

utterance: OK. Give me just one moment on that one.

utterance: OK so it looks like that one right now is at four thousand, nine hundred and fifty.

utterance: OK, great. And I also have S H U.

utterance: S H U. OK. Let me see. So that one is at two hundred and ten dollars a share.

utterance: OK. You know what, I know there was one more. I don't have it written down, let me ask my husband. Give me just one second.

utterance: Of course.

utterance: OK. You know, it's so funny, I never know how they come up with these letters. this one is just B A.

utterance: B A. OK. Give me one second. OK. So it looks like that one is at one thousand five hundred and twenty-eight a share.

utterance: Mhm.

utterance: OK, perfect. great yeah that's, I think that's really all I need right now, thank you so much!

utterance: OK, well happy to help! Thank you, have a lovely day.

utterance: Thanks, you too. Bye!

utterance: Bye.


speaker_role: Agent

utterance: Hi. Thank you for calling Intellibank. My name is Connie and how may I help you today?

speaker_role: Customer

utterance: Hey Connie, how are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. I hope you're having a wonderful day as well.

utterance: Yes ma'am, well for the most part at least.

utterance: I'm calling. Well this is Olga calling with Ideal Garden Management. I was writing out our vendor payment text yesterday and this morning I was going over all of my information and it seems that two of the checks that I wrote I transposed the amount on those. Now, I have contacted the vendors and let then know to please destroy the checks that I did originally send. And I am reissuing those in the correct amount as we speak but I need to know what I need to do just to make sure these original checks are not cashed. or or notify you guys. I'm not sure exactly what I need to do.

utterance: All right Miss Olga, well I'd be more than happy to assist you with that. what we can do is we can cancel out those original two checks for you and that will make sure that they are not cashed.

utterance: Oh OK, that sounds wonderful thank you. What do I need to do to go about canceling those?

utterance: Well, Miss Olga I do need to get some information from you so I can pull up your account and I do have your first name as Olga. That's O L G A. Is that correct?

utterance: Yes ma'am.

utterance: All right and may I also have your last name please?

utterance: Sure, it's Moran M O R A N.

utterance: Thank you Miss Moran and may I also have your birth date please?

utterance: Sure, it is November the fifteenth nineteen eight six.

utterance: OK. I have your birth date as November the fifteenth nineteen eight six. May I also have your company PIN number please?

utterance: Absolutely, it's six nine nine six zero zero five three.

utterance: Thank you so much Miss Moran and you are with Ideal Garden Management. Is that correct?

utterance: Yes ma'am.

utterance: Thank you very much. All right let's do this one check at a time. May I have the number of the first check that we need to cancel?

utterance: Absolutely, it is nine five zero zero seven.

utterance: OK so I have that check number as nine five zero zero seven?

utterance: Yes ma'am.

utterance: Thank you and how much was this check written out for?

utterance: It was the amount of sixteen thousand eight hundred sixty-seven dollars and fifty-two cents.

utterance: OK, so I have that amount as sixteen thousand eight hundred sixty-seven dollars and fifty-two cents. Is that correct?

utterance: Yes ma'am. That is correct.

utterance: Thank you so much Miss Moran and our cancellation reason is they were written in the incorrect amount. Is that correct?

utterance: Yes ma'am.

utterance: Thank you so much Miss Moran. Just one moment and let me get this one canceled out for you. OK, I do have check number nine five zero zero seven in the amount of sixteen thousand eight hundred sixty-seven dollars and fifty-two cents is canceled. May I have that second check number please?

utterance: Absolutely, it's the one directly after that which would be nine five zero zero eight.

utterance: Thank you Miss Moran. I have check number nine five zero zero eight and may I have the amount of this check please?

utterance: Sure, this one was written for eight hundred fifteen dollars and eighty-six cents.

utterance: All right so that was eight hundred fifteen dollars and eighty-six cents?

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

utterance: Thank you and this is the same cancellation reason. It was written in the incorrect amount. Is that correct?

utterance: Yes ma'am.

utterance: Thank you so much Miss Moran. Just one moment while I cancel out this check for you.

utterance: OK great. Thank you.

utterance: OK Miss Moran. I do have check number nine five zero zero eight in the amount of eight hundred fifteen dollars and eighty-six cents canceled out for you. Is there anything else that I can assist you with today?


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

utterance: Yes. I'm never able to make it to the branch. What are you hours?

utterance: Absolutely. we of course have our hours of operations are Monday through Friday nine a.m. to four p.m. and Saturdays, ten a.m. to one.

utterance: All right. Thank you. I got something in the mail about competitive interest rates. Can you tell me about it?

utterance: Absolutely, happy to help you with that. with our bank we of course do send out a number of notices so I'll need to ask you a few questions in order to pull up your account and see exactly what notice was sent you to you. Is that OK?

utterance: That's fine.

utterance: All right and ma'am, if if I could ask. What is your first and last name?

utterance: Evelyn Richards.

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

utterance: Joan's Bed and Bath.

utterance: OK and let me just ask a few questions just to verify your account for security purposes. Is that OK?

utterance: Yes it is.

utterance: All right and Ms. Richards. What is your phone number.

utterance: Six seven eight two zero two four two five three.

utterance: And what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: Awesome and what is your account number with us with your checking account?

utterance: All right. That account numbers are nine eight four six five nine one.

utterance: And what is your PIN number?

utterance: One zero one seven.

utterance: Terrific. and yes, let me see if I can get this pulled up here for you, Ms. Richards.

utterance: And I'm reviewing your account and yes I was able to see the notice that we sent to you and you're correct. We sent you a notice about a terrific option we're offering on our promotion for extraordinarily low interest rates. As a matter of fact, these are the lowest interest we've offered all year long. and these are options for businesses who may be looking to finance purchase real estate or they may be able look into lower their debt financing on other higher interest debt that they may have and that is an option that we're offering to customers that we've seen they found attractive and appealing.

utterance: Additionally, some are looking at looking to offer working capital loans for their business, for instance, to finance the supplies that they need to order to finance the purchasing of equipment and machinery that they may need. These are options that are being offered and again these are at the lowest rates that we've offered all year. and that might be something that we sent to you. is that something of interest to you?

utterance: Yes. It certainly is. I definitely help you know refinancing cost and other admin for the business and stuff like that. So I'm definitely interested.

utterance: Yes, ma'am. Well, I'll be happy maybe to even take a long application for you here today and see what we can get you approved for to get these attractive rates to maybe, as you mentioned, lower some of the cost on some of these other high interest loans or or financing that you may have.

utterance: Well, I'm excited about doing this and I just wanna say on a side note that my kids are excited about Halloween. I got two children, a boy and a girl, and they are just so excited about Halloween.

utterance: Yeah. you know, I can imagine you know, kids always seem to love getting made up and all dolled up and dressed up so it should be a very fun time.

utterance: Yes it is. One is eight and one is eleven.

utterance: Wow. Wow the very young probably the best time of their lives right now.

utterance: Oh, yeah.

utterance: Well, Ms. Richards, let me just get a grab a few bits of information from you so that we can begin this process. OK?

utterance: OK.

utterance: If I could ask. What is your personal address?

utterance: One forty-one Oakwood Avenue, Avondale East. State's Georgia three zero zero zero two.

utterance: And what is your business address?

utterance: One zero seven five Leylands Court Smyrna, Georgia three zero zero zero two.

utterance: And Ms. Richards, what is your social security number?

utterance: Two three five zero six eight two six eight.

utterance: And what's your driver's license number?

utterance: Zero six two four eight seven one two.

utterance: And what state is that in?

utterance: Georgia.

utterance: And what is your personal email address?

utterance: It's E Richards at mail dot net.

utterance: And what's your business email address?

utterance: E dot Richards at Jones BB dot com.

utterance: And when was your business established?

utterance: It was established September the fifth of nineteen eighty-four.

utterance: Oh. Well, congratulations. You've been around for quite a bit.

utterance: Oh, yeah. Thank you so much.

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

utterance: Yes.

utterance: And by the way, is your business address the same as your mailing address?

utterance: Yes. it's the same.

utterance: OK and what is your personal address or what is your business address?

utterance: One zero seven five Leymans Court Smyrna, Georgia three zero zero zero two.

utterance: And what is your gross annual sales for the business?

utterance: It's about forty-five million a year.

utterance: And what is your tax ID number?

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

utterance: And what is the amount of the loan that you're looking to take out?

utterance: Well I'm looking to take out about a two million dollar loan.

utterance: And what type of collateral were you looking to use for that?

utterance: My inventory and invoices.

utterance: All right and the purpose of the loan is is it to refinance debt or lower cost? And what is the term of the loan you're looking for?

utterance: yes.

utterance: Forty-eight months.

utterance: And what's the well OK let me see if I've got everything that I need here.

utterance: OK All right. I think I have everything that I need on my end here.

utterance: what I'll do here, Ms. Richards, is go ahead and get this over to our loan department and it appears you're really looking for one of our SBA seven A loans.

utterance: And our SBA seven A loans really offer magnificent interest rates.

utterance: very attractive terms as far as the long terms and of course, it is backed by the Federal Government.

utterance: Wow. That is great.

utterance: That's part of why the interest rate is so low. As a matter of fact, they are the lowest of any other loan in the entire industry.

utterance: Well, they really seem to wanna help these business owners.

utterance: that's the plan and certainly our plan here to equip you all with the tools. You all are the ones that make the things work and we just wanna support you in whatever way we can from a financial perspective.

utterance: I agree with you on that.

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

utterance: No. There is nothing else from the for right now.

utterance: Terrific and just so that you know. I'm gonna get this over to our loan department and what they'll do is they will process your application and from there they'll also of course be able to review your application and reach out to you and let you know what the status is of your application within two business days.

utterance: OK.

utterance: Thanks for calling.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes I wanna call to see if I can apply for a loan to buy some real estate.

utterance: Absolutely. Happy to help you with that ma'am and if you would I'm gonna ask you a few questions in order to see how we can best proceed. OK?

utterance: OK.

utterance: And what's your name? the first and last name.

utterance: Evelyn Richards.

utterance: And Ms. Richards what is the name of your business with us?

utterance: Joan's Bed and Bath.

utterance: How's it going today?

utterance: You know it's going pretty good. I'm just in a good mood. I'm happy.

utterance: Fantastic. It's all. It is a good day and I'm glad that we'll be able to hopefully make your day even better if we can see about getting a loan approved for you today.

utterance: That would be great. I I was in traffic and had my music going and you know I'm just in a good mood. It didn't even get me down.

utterance: Wow. Well traffic can get anybody down so the fact that you didn't get down in this type of traffic in in the city is certainly some good music.

utterance: Right. Exactly.

utterance: Well fantastic Ms. Richards. Thanks for that. Let me just ask, Ms. Richards. What is the date of birth on your account?

utterance: well my account I've started out business nine five eighty-four.

utterance: Is that your date of birth?

utterance: Oh no. That was when I established my business. My date of birth is eleven eleven eighty-four.

utterance: OK. and Ms. Richards, if I can just ask, what is your account number?

utterance: Hold on for just a second. All right I have it. OK it's. I'm not sure which one you have. it's nine eight four six five nine then one nine eight four six five five nine.

utterance: I see. Yes. I was asking about your business preferred account. Before I can say which one it is I'll just need to ask one more question. What is your PIN number?

utterance: One seven zero one.

utterance: OK. Terrific. Yes. Now that I've confirmed your account I can say yes it was the second number that's your business preferred account.

utterance: Wonderful. Thank you.

utterance: No problem at all and yes ma'am. We certainly can go ahead and begin this application process for you for your potential real estate purchase. if I could just ask, what is your address?

utterance: My personal?

utterance: Yes, your personal address.

utterance: One forty-one Oakwood Avenue Avondale Estates Georgia. ZIP code three zero zero zero two.

utterance: Wonderful and what is the business address for your company?

utterance: One zero seven five Layman's Court Sorona Georgia three zero zero zero two.

utterance: And what is your mailing address? Is that the same?

utterance: Yes, it is.

utterance: OK. And what is the address of the property that your looking potentially to purchase?

utterance: I'm looking to purchase five sixty-seven Flat Shores Boulevard, Sorona Georgia three zero zero eight zero.

utterance: Ok. And what is the cost of that particular property that you're looking to finance?

utterance: Four point seven five million.

utterance: OK. And how much were you looking to put as a down payment?

utterance: Twenty percent.

utterance: OK. And Ms. Richards what is the gross annual sales for your account?

utterance: Fifty million a year.

utterance: And wow. Fifty million. That is quite a impressive number. Congratulations on that.

utterance: Yes. Thank you. It took a lot of hard work and time to get there but it's growing and I'm just very happy. That's why we are able to hopefully get this loan.

utterance: Yes ma'am. And what is the loan term that you're looking for? Six years, ten years, three years?

utterance: Ten years.

utterance: OK. And what's your social security number?

utterance: Social security number is two three five zero six eight two six eight.

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

utterance: Zero six two four eight seven one two.

utterance: And what is your tax ID number?

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

utterance: My business email is E dot Richards at Joan's excuse me. E dot Richards at Joan's B B dot com.

utterance: And what is your personal email address?

utterance: It's E dot Richards at mail dot net.

utterance: And again thank you for bearing with me. I know there's a lot of questions but obviously for quite a substantial loan we do wanna have all of your information so that we can accurately access your application.

utterance: Yes, it's quite a few questions but I certainly do understand.

utterance: Thank you again for your patience. And just a few more. Are you the sole owner of the account?

utterance: Yes.

utterance: And again the purpose of this loan is really to finance the purchase of a property. Is this a new location or are you gonna be moving locations?

utterance: No. This is a new location.

utterance: OK. So you're gonna be adding a location.

utterance: Oh yeah.

utterance: All right. Well congratulations on that.

utterance: Thank you. Yeah that's the part of that grow don't mind answering any questions.

utterance: And just one final question and you may have you mentioned it earlier but I was not at the screen there. when was your business established?

utterance: September the fifth nineteen eighty-four.

utterance: Terrific. All right. Well you've given me everything that I need on my end to begin this application loan process for you. what I'll do is get this over to our credit department and what they'll do is evaluate your information based off of the application here and should they need some further information they'll reach out to you. by the way, what is the phone number on the account?

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

utterance: Fantastic. yes ma'am, they'll reach out to you at that number or by the email either the business or personal and ask any further questions if they need any further questions before they are able to deliver the result of this application. Which you should hear back from them likely generally speaking within two business days.

utterance: That is fantastic.

utterance: Yes ma'am because we know that the time is of the essence for you and there is not much time to wait and we certainly don't wanna hold you up because I'm certain you need these funds as soon as possible.

utterance: Oh yes. I'm I'm looking forward to hearing back in two business days.

utterance: Yes ma'am. Technically speaking you know you really could hear back from them today but obviously due to the number of applications it may take up to two business days depending on their processes over in our credit department.

utterance: All right. That would be just fine.

utterance: Well Ms. Richards, is there anything else I could help you with?

utterance: No there isn't.

utterance: Fantastic. Ms. Richards thank you for giving us a call and considering us to be the source of financing for your new location.

utterance: Thank you.

utterance: You have a great day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye.


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

utterance: hi Timothy. I was calling to find out how much I owe on my loan this month.

utterance: OK. Yeah, I can definitely help you with that. can I first start off and ask you your first and last name?

utterance: It's Portia Line.

utterance: Portia Line. How do you spell that?

utterance: Portia is P O R T I A. And Line. So it's going to be L I N E.

utterance: L I N E. OK. And if you can give me your date of birth and the the account number.

utterance: OK. January third nineteen ninety-one.

utterance: OK.

utterance: And my account number. One second. I I need to go grab my mail.

utterance: OK.

utterance: Sorry. I don't know that off the top of my head.

utterance: Oh, that's fine.

utterance: OK. I do. I do have that.

utterance: OK.

utterance: OK. It's five six three one.

utterance: Mhm.

utterance: Five two nine nine.

utterance: Five six three one five two nine nine?

utterance: Yup.

utterance: And can you again verify your date of birth. I I mishandled that.

utterance: It's January third nineteen ninety-one.

utterance: Got it. OK. Great. Now, I have one last question and that is what is the name of your first pet?

utterance: Oh the name of my first pet was Scruffs.

utterance: Scruffs. OK. Great. All right. So, what can I do for you today with that account?

utterance: so basically, I'm not usually the one to pay the the loan balance each month. it's a joint account with me and my sister. It's for our company. We We run a bakery.

utterance: Mhm.

utterance: Oh cool.

utterance: Yeah, we sell all different types of cupcakes and Yes. We do make croissants actually. Especially the kind with chocolate on them. Those are our best sellers.

utterance: Croissants?

utterance: Mm.

utterance: Oh.

utterance: My favorite.

utterance: yes, so we have been running this account for a few years with you guys. We're a new business basically. but usually she handles the financial side and I handle the creative side.

utterance: OK.

utterance: But she actually is in labor right now.

utterance: Oh wow! So you're gonna be an aunt?

utterance: Yes, I'm going to be an aunt.

utterance: Your first time as an aunt?

utterance: Mhm.

utterance: Well, congratulations.

utterance: Thank you so much. So yeah, I just wanted to go ahead and get this done cuz I know I know we're on the last day of the month and I didn't want our account to you know, have any red flags on it. So I wanted to go ahead and do that.

utterance: Mhm.

utterance: how much. I wanted to find out how much we usually pay each month.

utterance: So, on this account, it looks like you you're payment is at it's just two hundred and fifteen dollars.

utterance: OK. Great. Not not bad at all.

utterance: Yeah, not bad.

utterance: so yeah I I'll go ahead and do that today cuz like I said, I don't I don't want any bad remarks on our account.

utterance: Mhm. Understandable. OK. And how much would you like to make the payment for today?

utterance: Just the full amount.

utterance: Just the full amount? OK. All right. And can I get the bank account number and the routing number for that?

utterance: Mhm.

utterance: Mhm. OK. So the bank account is gonna be four zero six five.

utterance: OK.

utterance: Four five nine nine.

utterance: Four five nine nine?

utterance: And the routing number.

utterance: Wait. I'm sorry. That that's it for the bank account number?

utterance: Yes.

utterance: OK.

utterance: And the. You you needed the routing number?

utterance: Yes. The routing number as well.

utterance: OK. five six three nine.

utterance: Five six three nine. OK. And You wanna make that payment of two hundred and fifteen dollars today the eighth? Correct? OK. Let me just put that in. All right. It looks like it's processing. Is there anything else I can do for you today?

utterance: Yes.

utterance: well we have been talking a little bit about getting like a company credit card.

utterance: OK. Yeah, we've got a few great ones. which one. Are you aware of the ones that we have?

utterance: I I saw that you guys have like a Gold card and a Platinum card. For for somebody that has a business like our's, what do you recommend?

utterance: I would recommend the Platinum, especially if you're a bakery cuz you don't know what's gonna come up. And I imagine your you have a lot of ingredients so you need to be on constantly on the move and this is one that will really help you with that.

utterance: OK. So there's. That's the highest spending limit is on that one?

utterance: Well the Traveler's card is the highest spending, but the Platinum I think is is good for where you guys are at.

utterance: For more of a business cuz we we don't travel that much for our business.

utterance: Yeah. Yeah.

utterance: OK. Well I will go ahead and talk to her about it once she's, you know, recovered and what not. And we'll give you a call back.

utterance: OK.

utterance: But I do think we're probably going to go ahead and get the Platinum card.

utterance: OK. Well, that's that's great to hear. Now, you know, obviously you said you wanna. She's not gonna be talking for a while obviously. So, you give us a call back then and for now, is there anything else I can do for you?

utterance: Yeah.

utterance: No. I think that's it. You've been very helpful.

utterance: OK. Well thank you again for being a valued member of Intellibank and I hope you enjoy your day.

utterance: Thank you. You too.

utterance: All right. Bye bye.


utterance: Thank you for calling Intellibank.

utterance: I'm Alphonso.

utterance: Ooh.

utterance: Hello.

utterance: Hello Alphonso.

utterance: Hi.

utterance: How are you?

utterance: Mhm, I'm great. How are you?

utterance: Doing wonderful. How can I help you today?

utterance: What has your morning been like?

utterance: Every day is a blessing.

utterance: Mm.

utterance: You know? So it's been a nice one.

utterance: You sound like a lovely man.

utterance: Well, you know I'm having a good time here working for Intellibank.

utterance: Do they give you free coffee?

utterance: I don't need coffee.

utterance: You just wake up and get going.

utterance: Ever.

utterance: You just.

utterance: Sunshine hits me and I'm ready to go.

utterance: Wow. Mm.

utterance: Nature's caffeine.

utterance: What can I do for you today?

utterance: Oh I was having I was having some issue.

utterance: Oh. I hate to hear that.

utterance: Yeah.

utterance: Thank you.

utterance: Yeah.

utterance: Yeah.

utterance: You sound lovely yourself.

utterance: Oh, thank you so much. Mm.

utterance: Of course, yeah.

utterance: Yeah. I'm pretty I'm pretty lovely. I'm told I'm lovely.

utterance: Yeah well I I could imagine. Yeah. Sure.

utterance: I'm a small

utterance: Business owner.

utterance: Oh very well. Excellent. Look at you.

utterance: Yeah.

utterance: Yeah. Look at me shining just like the sunshine that fuels your day.

utterance: Yeah, of course.

utterance: Well, what can we do for you today?

utterance: Oh. So, my employees have been needing to go out and pick thing up for my.

utterance: Of course, Yes.

utterance: business. Yeah.

utterance: And they're having issues with using my card.

utterance: Fantastic. Well, we can just go ahead and add them onto the account and that will get rid of all the problems and discrepancies.

utterance: Such resolution.

utterance: Yeah fantastic. Let me get your credit card number there to get you started.

utterance: Mhm.

utterance: OK. It's one four three two six two one two two four zero.

utterance: Those are all my favorite numbers.

utterance: All in a row.

utterance: Isn't that amazing?

utterance: I'm wondering. I'm wondering where you're located,

utterance: Well,

utterance: Let's see how thing goes.

utterance: All right. Before we proceed just do need some information for the security of your account.

utterance: Mhm.

utterance: Mhm. And what is your full name?

utterance: Margaret.

utterance: Margaret.

utterance: Lafoe.

utterance: Well hello.

utterance: Mhm. .

utterance: Margaret Lafoe.

utterance: OK. Margaret Lafoe.

utterance: Just rolls off the tongue.

utterance: It certainly does.

utterance: Mhm.

utterance: And, what is your birthday, there, Margaret?

utterance: June third.

utterance: Mm. You'd I'm gonna guess early eighties?

utterance: Yes. I didn't wanna give my age away I

utterance: Oh. Look at me.

utterance: It's fine, Margaret. Go ahead and give me the actual number though.

utterance: Oh. Eighty-three.

utterance: Eighty-three. Look at that.

utterance: All right, Margaret, and then we just one security question there. And, the name of the first person you ever loved?

utterance: First?

utterance: Yes. Yeah.

utterance: That's my security question?

utterance: Well, you're the one that picked it so I mean, yeah.

utterance: I think it was assigned to me.

utterance: Well, maybe but we just need a name.

utterance: Burt.

utterance: Oh Burt. Whatever happened to old Burt?

utterance: Burt didn't work out. We were high school sweethearts. Mhm.

utterance: Oh.

utterance: Would you like to change that and get Burt out of your life forever? OK. Let's go ahead and do that so you wanna sign up with your first pet?

utterance: Mhm.

utterance: Yeah.

utterance: I'd like to go with who I'm loving now.

utterance: Oh. Go ahead. Who is that?

utterance: I think it starts with an A.

utterance: Oh. Go ahead. Spell the rest.

utterance: L.

utterance: Yes.

utterance: F.

utterance: O.

utterance: O.

utterance: N.

utterance: Mm

utterance: S.

utterance: O.

utterance: Mm

utterance: Alfonso. Huh. How about that? Very good. All right, Margaret. Well you want to go ahead and add those people to your account?

utterance: Mm

utterance: Do you have their names?

utterance: Yeah. Actually, one is named Alfonso.

utterance: Alfonso Choi.

utterance: Interesting.

utterance: C H O I.

utterance: Very interesting. Not a lot of Alfonsos.

utterance: I'm a lucky, lucky lady with multiple Alfonsos in my life now that I've met you.

utterance: Yeah.

utterance: Yeah. I guess so.

utterance: Mhm.

utterance: So, it's gonna be Alfonso Choi.

utterance: Alfonso Choi. Is this the security answer Alfonso?

utterance: Who knows?

utterance: Who knows? Who knows? Is there anybody else?

utterance: Mm. We'll start with Alfonso and see how that goes.

utterance: Sure.

utterance: Yeah.

utterance: Yeah.

utterance: That way he's not gonna let you down. OK. So, we have Alfonso added to your account.

utterance: Margaret, just to let you know, you are eligible for our big time. I mean this isn't for everybody. This is only for special people. Our platinum card.

utterance: I qualify for that?

utterance: You sure do.

utterance: Is it due to this conversations?

utterance: No.

utterance: No, no. That would be highly illegal and no it it was just a platinum card. No, it's fine. It's fine. It's perfectly fine.

utterance: I'm sorry I asked. I wasn't implying any~

utterance: Alfonso, how long have you been working for Intel Bank?

utterance: I would say this is about my fourth year.

utterance: Fourth year?

utterance: Yes.

utterance: How many platinum cards have you given out to small business owners?

utterance: only two.

utterance: Mm.

utterance: Yes.

utterance: OK.

utterance: All right. Please email me some more information.

utterance: I'd love to.

utterance: Thank you.

utterance: Well, Margaret I'll try to be the best Alfonso you can have in your life. Is there anything else I could help you with today?

utterance: I.

utterance: Can you let?

utterance: Me know where you're located?

utterance: I am in Des Moines, Iowa.

utterance: Mm.

utterance: Quite a ways away.

utterance: Well there is an airport.

utterance: Nearby? Mm.

utterance: And, you know that our platinum card does take and give cash back on all flight purchases.

utterance: Wow.

utterance: Yeah.

utterance: Just something to keep in mind, Margaret.

utterance: I will keep that in mind.

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

utterance: Mm.

utterance: Extension? Do you have an extension where you can be reached directly?

utterance: I do have an etension.

utterance: It's five five two.

utterance: OK, Alfonso. Thank you so much.

utterance: You're welcome.

utterance: Have a great day.

utterance: You too. Bye.


utterance: good. Sorry about that. hi, thanks for calling Intellibank. My name is Beth, how can I assist you today?

utterance: yeah I have a loan out with with you and I don't know how much, I don't know how much it is because I've I've made some payments on it and and now I'm like, I mean I I don't know. I mean I don't know how much it is. So can you maybe, how can you help me with that? Can you like take the, add up the payments that I've made thus far and like do some math or I mean I I don't know. Like I just, I don't know how much my balance is, you know?

utterance: Yeah.

utterance: What do you suggest I I do about that?

utterance: Well.

utterance: I think what would be a great place for us to start is I could get your information, I could check your account, and then we could look at it together and see what what your terms are. How does that sound?

utterance: Yeah, yeah that sounds good. Yeah that sounds good.

utterance: Great. And then I could, yeah I'd give you any information you need. What is your first name?

utterance: Larry, L A R R Y.

utterance: Great, Larry. What's your last name?

utterance: Rodrigo.

utterance: Could you spell that please?

utterance: R O D R I G O.

utterance: OK, Larry. What is your date of birth?

utterance: Date of birth is twelve seventeen nineteen eighty-six.

utterance: OK. And what is your PIN number?

utterance: fourteen oh seven. Yeah, wait. No, no, no, no. I changed my PIN number. Shit. I called before to change my PIN number and now I don't know what it is, but I I wrote it down so even though you're not you're totally not supposed to write it down cuz then anybody can find it and they probably like might know. Especially I not only did I write it down, I wrote it down and I put PIN in capital letters, and I put Intellibank business account PIN and that I mean that was just stupid, but I now I don't know where that paper is but I think I have an idea so I'm gonna have to get that real quick. cuz I don't remember what the hell my PIN is, all right? I'll be right back.

utterance: OK.

utterance: All right. Well, you take your time.

utterance: OK cool I found it, and you know now I'm gonna have to commit this to memory and throw this paper away, or actually shred it. I mean throw it away and people can go through your trash and find your PIN, you know? So anything you can burn it, you know, shred it, burn it or scribble the scribble the hell out of it to where it's illegible, you know?

utterance: Yeah, you.

utterance: Could rip it up as well.

utterance: Mhm. So yeah my my PIN used to be seventeen oh three.

utterance: Mhm.

utterance: And my PIN number now is seventeen oh four.

utterance: OK.

utterance: That's what it was.

utterance: Got it. Oh yeah, great. That works. I just wanna make sure you don't forget it next time, could you put it on your phone or have it somewhere that you can access?

utterance: Mhm.

utterance: And people might.

utterance: Steal it. I committed it to memory now, seventeen oh four. Ask me again.

utterance: What is your PIN number?

utterance: Seventeen oh four.

utterance: Very good. All right, good.

utterance: There you go.

utterance: Yeah.

utterance: Well done.

utterance: Yeah. Before this call ends I I would appreciate it if you'd test me on that.

utterance: Good.

utterance: One more time. You know just to make sure.

utterance: OK.

utterance: OK.

utterance: Yes.

utterance: cuz I already trashed the paper, because if I forget when you ask me again at the end of this call I'm gonna have to change my PIN again.

utterance: Ooh.

utterance: You know. But trust me memory, steel trap up here. Boom.

utterance: OK.

utterance: OK.

utterance: Right?

utterance: Great. Well that's that's quite a system you have, I like it.

utterance: OK.

utterance: It is, yeah. Rogue memorization.

utterance: OK. Do you, so do you have your loan account number with you?

utterance: Yeah it's three six eight nine seven eight five nine nine four. Not not even written down. That's straight up memory. Oh, but but check it though cuz is that right? There's no should be no number off.

utterance: Terrific.

utterance: That is very impressive.

utterance: That tracks.

utterance: OK, there you go, there you go.

utterance: Well done.

utterance: So you're doing great. OK so I am in your loan right here and I see that you have a monthly payment of one hundred and fifty dollars which you have been making for the past three consecutive months. and the total loan outstanding balance right now is five thousand dollars.

utterance: Mhm.

utterance: OK. Yeah that's fine. That that you know, that takes a load off cuz that means I've paid down a substantial amount so Yeah cuz it was it was a bit higher than that, you know, but now if it's down to five thousand you know that's not that bad. You know I could probably pay that off in the next twenty, twenty-five years, you know and be fine with that.

utterance: Mhm.

utterance: Yeah, good. Well great work. Your your and just so you know your bill is due on the twenty-fifth of each month.

utterance: All right. I'll send that in.

utterance: One hundred.

utterance: Fifty dollars, yes. is there anything else I can help you with today?

utterance: No that'll be it.

utterance: OK, and the last thing I wanna ask you is what is your new PIN number?

utterance: Seventeen oh four.

utterance: Very good. Well done. All right, well thank you for calling Intellibank. My name is Beth. have a great night.

utterance: There you go.

utterance: Thank you, you too.

utterance: Thank you.


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

utterance: Hi Chris! I was calling mainly because I just need to do simple update for some of my information.

utterance: Oh no problem. We can totally help you with that. What's your name?

utterance: Magdalena.

utterance: Magdalena.

utterance: Mhm. Magdalena Cristo.

utterance: Isn't there a cookie named Magdalena? Or is that a Mandolin. Or is it I dunno. Anyway, I digress. Magdalena Cristo?

utterance: Yes.

utterance: what is your account number?

utterance: Oh. my account number is four four six seven three two one one six two eight seven.

utterance: All right and just a couple more questions to verify that I'm talking to Magdalena Cristo. What's your date of birth?

utterance: Four twenty-six eight nine.

utterance: All right and your last four of social?

utterance: Six six one two.

utterance: Perfect. And what are we doing again?

utterance: I just I I just wanted to update my street address. I moved my small business.

utterance: OK the old address was one one four Deepak Chopra Boulevard.

utterance: Yes. Yeah. Mhm.

utterance: All right and where are we going to now?

utterance: stills one one four now it's gonna be on Cookie Lane.

utterance: All right.

utterance: One one four Cookie Lane.

utterance: Mhm.

utterance: Man I could go for a cookie.

utterance: It sounded like I might have caught you mid snack when I called.

utterance: that's none of your business so is it the same city? Is it Santa Fe New York City?

utterance: Oh.

utterance: Mhm. Yeah.

utterance: You got it.

utterance: I got it?

utterance: Yeah.

utterance: Santa Fe New York City California.

utterance: Yes.

utterance: And the ZIP code is one two nine nine nine nine?

utterance: Yeah.

utterance: Mhm. Yeah so really the only thing I'm changing is just a simple street change. Yeah.

utterance: OK.

utterance: Great. what else can I do for you?

utterance: I'm still wondering what the the name of the cookie you were trying to think of?

utterance: Mandolin.

utterance: Are you sure?

utterance: Yeah.

utterance: OK.

utterance: I think.

utterance: I think that's a name of a also the name of an instrument.

utterance: No that's a Mandalorian.

utterance: No, that's the guy from Back To The Future.

utterance: No that's Darth Vader.

utterance: Oh OK.

utterance: what else can I do for you today?

utterance: well while I'm on the phone let's see well do you think that you could just quickly recite back to me the address? That you're changing it to?

utterance: Yes. We're going to one one four Cookie Lane Santa Fe New York City California. One two nine nine nine.

utterance: Yeah. That is right. And yeah that's that's everything right there.

utterance: And this is for your small business right this isn't your personal address?

utterance: Yeah. It's for my small business.

utterance: All right.

utterance: And your personal address is staying the same?

utterance: Mhm.

utterance: Anything else we can do for your today?

utterance: yeah I had some interest in what your online banking is like.

utterance: Oh my gosh online banking is incredible.

utterance: Yeah?

utterance: Yeah.

utterance: If you'd like I could email you all the information. Or I could tell you about it now as well.

utterance: how about you tell me a little.

utterance: OK.

utterance: I like a little info.

utterance: Sure a little info is everything works in the palm of your hand. There's an app you download to your phone and you put all your information and it's totally safe You could deposit checks on there, you could transfer balances on there, you could even manage your small account business on there.

utterance: Wow.

utterance: I can manage my small business account online?

utterance: Yeah.

utterance: All on your phone.

utterance: Wow. OK. We really are living in the future.

utterance: Isn't that?

utterance: It is. It's like the world of tomorrow.

utterance: Yup. We've arrived.

utterance: We've arrived and everything is so tragically sad.

utterance: Well I'm sorry you feel that way. What was your name again?

utterance: Magdalena Cristo.

utterance: No yours.

utterance: Oh.

utterance: I'm sorry.

utterance: It was Chris.

utterance: And what's your employee ID number?

utterance: Just for my personal records.

utterance: my employee ID number I don't feel too comfortable giving that out is one. My employee ID is one.

utterance: OK. I feel like that might not be true. But I'll take you for your word.

utterance: It's totally true.

utterance: OK Chris.

utterance: All right. Is there anything else I could do?

utterance: Just enjoy the rest of those cookies.

utterance: Oh.

utterance: Your. I will not tell you if I'm eating cookies or not. Bye.


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

utterance: Yes I I called the other day about going paperless and I got the email about it you know and everything so I'm just happy about that.

utterance: Well we're certainly happy that you were able to get your statement and the change was made as you requested that's terrific to hear if I could just ask who am I speaking with what's your name?

utterance: My name is Evelyn Richards.

utterance: OK that's Evelyn is your first name Richards is the last?

utterance: Yes.

utterance: And what's the name of the business?

utterance: Sally's Hair Salon.

utterance: All right and with Sally's Hair Salon great I'm glad that we were able to get that statement updated for you and that you were able to receive it.

utterance: Well good OK cuz I'm calling to cancel a cheque.

utterance: OK happy to assist you with that there Ms. Richards. If I could just ask what is your just for security purposes I need to verify your account. what's your date of birth?

utterance: Eleven eleven eighty-four.

utterance: And what is your account number?

utterance: It's nine eight four six five nine.

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

utterance: Yes.

utterance: All right and what is the pin number for your account Ms. Richards?

utterance: One two eight nine.

utterance: All right and I pulled that up here for you and your account and let me just ask what is the cheque number that you want to cancel?

utterance: OK it's one oh one five oh four.

utterance: OK.

utterance: that cheque number is one oh one five oh four is that correct?

utterance: Yes that is correct.

utterance: All right.

utterance: And by the way I also need the balance on my business complete account.

utterance: yes yes I pulled up it appears here the balance available in your business total account is seven thousand five hundred and twenty dollars.

utterance: OK great great.

utterance: And I have located that check number that you want canceled the amount that I am seeing here is for nine hundred and sixteen dollars.

utterance: Yes that's right that was what I was why I wanted to cancel because it was for the wrong amount.

utterance: OK so you wanted to cancel cheque number one oh one five oh four you're saying because the cheque amount is incorrect?

utterance: Yes that's correct.

utterance: OK all right.

utterance: Mhm.

utterance: And just.

utterance: Yes and you know I just wanted to say that I'm really trying to be positive with all this going on with this covid-nineteen.

utterance: Yeah well I I that's the best way to be Ms. Richards is to stay positive because obviously there's so much going on a lot of folks have been dealing with very stressful situations in life. Businesses have had tremendous strain on them and their employees so you're I would say Ms. Richards doing it the right way of trying to remain positive and upbeat even in a very trying time and I think we all can agree that it has been trying.

utterance: Well thank you that was just on my mind.

utterance: No I mean you're a I I I it's I think it's on all of our minds and so again I hope that you you know have been able to weather the pandemic pretty well or has it been you know pretty tough or how has it been for you?

utterance: Well for me personally I weathered it pretty well but you know it's just all the other is going on.

utterance: I completely understand I completely do.

utterance: now Ms. Richards just so that you are aware in order to cancel a check just so that you are aware there is a thirty-five dollar cancel check fee and I just wanted to inform of you that before we proceed. do you still wish to proceed with canceling the cheque?

utterance: Yes.

utterance: OK I have gone ahead and processed your request as you have noted and is there anything else?

utterance: Yes could you give me the date on the loan my loan?

utterance: happy to that happy to do that. The payment due date and it appears this is for your S B A loan is that what you're asking about?

utterance: Yes it is.

utterance: OK yes the next payment due date on that is October the twenty-ninth.

utterance: Thank you.

utterance: And how much is it?

utterance: Yes the amount that is for is for seven hundred and twenty-seven dollars.

utterance: OK seven hundred and twenty-seven dollars. All right. Thank you so much, sir.

utterance: No problem is there anything else I can help you with there Ms. Richards?

utterance: No there isn't you've been very helpful.

utterance: Terrific well we certainly appreciate you doing business with us and you feel free to call again.

utterance: I sure will.

utterance: You have a good day.

utterance: You to.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hello Cassandra. I looking to purchase a new storage space in order to expand my business. Would I I would like to apply for a term loan. to make, to take care of, to take care of that quickly. Can I do that over the phone?

utterance: Yes sir, you can certainly do that over the phone. I can actually help process that for you. For you right away. But first I'll need to get a little information from you so that I can go ahead and and put that loan request in our system.

utterance: All right.

utterance: OK sir, first of all, can I have your first and last name please?

utterance: Yes, my first name is Williams last name Grayson.

utterance: All right that's William Grayson, correct?

utterance: Correct.

utterance: All right Mr. Grayson. Can I have your street address? Including city, state and ZIP code please.

utterance: Yes my street address is three five seven eight Clinton Street city of Little Rock Arkansas, ZIP code seven two two one one.

utterance: OK, sir. To verify, that address was thirty-five seventy-eight Clinton Street in Little Rock Arkansas. ZIP code seven two two one one. Correct?

utterance: Correct.

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

utterance: Yes, my social security number is four three two eight six three nine six nine. And my birthday, just in case you need it, is five twelve nineteen seventy-four.

utterance: All right. Thank you so much Mr. Grayson for that information to verify that social was four three two eight six three nine six nine, correct?

utterance: Correct.

utterance: All right. And, I will make a note of your date of birth as five twelve nineteen seventy-four as well.

utterance: All right. Thank you.

utterance: OK, sir. And, could you next give me your drivers licence number and state please?

utterance: Yes, my driving licence number is four eight two two one nine one nine four in the state of Arkansas.

utterance: OK, sir. That was four eight two two one nine one nine four in Arkansas. Correct?

utterance: Correct.

utterance: All right. And what PIN would you like assigned to this account?

utterance: Yeah, five five two three please.

utterance: All right sir. Five five two three. I'll make a note of that. And do you have a email address you'd like to list with this for this loan?

utterance: Yes. Grayson W S A S twenty ten at Gmail dot com.

utterance: All right. That was Grayson W S A S twenty ten at Gmail dot com?

utterance: Yes.

utterance: All right sir. Thank you. And what is the business name?

utterance: The business name is Shrucks Auto Supplies.

utterance: OK. That was Shucks Auto Supply?

utterance: Yes.

utterance: OK, sir. And are you the sole owner of this business?

utterance: Why yes I am.

utterance: All right. And what date was this established on?

utterance: Nine five two thousand ten.

utterance: All right. That was nine five twenty ten?

utterance: Yes.

utterance: OK. Thank you so much sir. And, what is the gross annual sales of your business?

utterance: Three hundred and twenty-five thousand.

utterance: All right. so you say three hundred and twenty-five thousand? All right. And could you list the tax ID please?

utterance: Yes.

utterance: Yes, it's five six five four three four six six zero.

utterance: OK sir. That was five six five four three four six six zero?

utterance: Yes.

utterance: OK, thank you so much. And, could you give me the address of your business please?

utterance: Yes, that address is five five one Lincoln Drive.

utterance: All right. City, state and ZIP code please?

utterance: Little Rock, Arkansas. ZIP code seven two two one one.

utterance: All right. That was five five one Lincoln Drive in Little Rock Arkansas ZIP code seven two two eleven?

utterance: Yes.

utterance: OK, thank you sir. And, would you like your your mail listed for this application sent to your home or business address?

utterance: business address.

utterance: OK. That was the five five one Lincoln Drive, Little Rock, Arkansas address?

utterance: Yes.

utterance: OK. I will make a note of that, sir. And, what is the loan amount you would like for this request?

utterance: I would to try for a hundred thousand.

utterance: All right. A hundred thousand.

utterance: Yes.

utterance: OK sir. And, what what is the purpose of this loan?

utterance: Well, a real estate purchase.

utterance: OK, a real estate purchase, yes. You didn't mention that earlier? OK. And what is the loan term you would like to request for this?

utterance: fifteen years please.

utterance: All right.

utterance: You would like a fifteen-year loan term. All right sir. OK. Can you hold on for one moment while I complete the application for your term loan request please?

utterance: yes, yes. yes I certainly can. By the way, have you seen the news have you seen the upcoming Taxes season? Look like it's going to get a little different than last year.

utterance: Oh, yes sir. With the yeah, pandemic funding and everything that we had to go through this past year. It is going to be a little different tax year it's gonna be a little hectic, I think. Especially towards the beginning.

utterance: Oh

utterance: Oh, wow. We're looking forward to it.

utterance: well but we have a lot of good tax professionals here, so if you have any issues, any problems you can always contact us and we'll make sure that we get everything handled for your business.

utterance: OK.

utterance: That's a where do broadcasting business.

utterance: Oh.

utterance: Yes sir, it is. OK, Mr. Grayson. I've gone ahead and set up the application in our system for this term loan request. we're gonna need some supporting business documents that you'll have to send in. We'll give you an We'll give you a list of those documents through the application. We're gonna go ahead and send all this information to you, to the business address you have listed on file.

utterance: OK.

utterance: OK. And, if you can, could you please send any of that supporting business documentation as soon as possible. So that we can get back to you with the results of your application.

utterance: Yes.

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

utterance: Why, that's about it. Thank you.

utterance: All right.

utterance: Thank you Mr. Grayson, for your time and patience. Again, my name was Cassandra, and I hope you enjoy the rest of your day.

utterance: All right, you too.

utterance: Thank you sir. Bye, bye.

utterance: Bye, bye.


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

utterance: Yes, hello! Hello over there at Intellibank! I would like to do a couple of things today.

utterance: You have a funny voice sir, sorry. You sound like Jim Carey. Anybody ever told you that?

utterance: Really? I didn't I mean I. Is it funny in a good way?

utterance: yeah.

utterance: Hilarious. Sorry about that sir. Please continue.

utterance: OK.

utterance: OK. I am looking to schedule an appointment with a financial advisor and schedule oh schedule a loan payment.

utterance: OK, I'd be most happy to help you with that, sir.

utterance: Mhm.

utterance: May I please start by having your first and last name?

utterance: First and last name? my first name's Amos.

utterance: Oh, like Famous Amos Cookies!

utterance: Yeah. That was a little bit before my day, but I've heard of it.

utterance: Oh, OK. Nice! OK. And last name please?

utterance: Hendrix.

utterance: Amos Hendrix. Any relationship to Jimi Hendrix?

utterance: No, but his music's pretty pretty neat.

utterance: Yeah, it's. He's the best. OK, Amos. And may I please have your date of birth?

utterance: Oh! You know what's a weird thing is that like half of my life there was a mix-up on my birth certificate, so it could be one of two. It's it could be October first nineteen eighty-eight or October first nineteen eighty-seven. Tell me which one?

utterance: It it would be the eighty-seven, sir. OK.

utterance: And that is my correct age, by the way. I'm not trying to like, you know, appear younger or older or whatever.

utterance: No, no worries, sir. OK, may I please have your ID number? That driver's license or a passport number is sufficient.

utterance: OK! so that's seven nine five two one seven three four eight two zero zero.

utterance: Excellent! And what was the name of your dog's favorite movie?

utterance: Wow. My dog's favorite movie?

utterance: Mhm.

utterance: That was the Lion King!

utterance: Oh, OK. Thank you, and that is correct. And what was your mother's best friend's name?

utterance: Joanie.

utterance: OK. thank you! And we are in! And so, sir. I'm sorry, what what services did you say that you wanted to do again today?

utterance: I wanna schedule

utterance: An appointment with a financial advisor yeah.

utterance: Oh. OK. We

utterance: Certainly can do that. it looks like in-person here on Wilshire Avenue we are available this upcoming Wednesday. and on the phone we are available starting tomorrow. which which would you prefer to do?

utterance: Wednesday or tomorrow? God, you know what? You got me thinking like I want cookies now. Do you Are you you you you guys are based in L A, too?

utterance: yes, sir, yes. We are based in L A.

utterance: Huh. You have any cookie recommendations?

utterance: I I can't say that I do sir. I'm I'm so sorry.

utterance: Huh, I thought I had the best cookie in my life once. This bakery in San Francisco in two thousand one. I was picking up a now ex-girlfriend from work.

utterance: Right.

utterance: And I had nothing to do, and I just walked into this bakery, and it was the smell was just

utterance: Delicious.

utterance: Got it.

utterance: I I mean I really do love cookies, and you're making me hungry now, sir. So, would you prefer to have your appointment in-person or over the phone?

utterance: Yeah.

utterance: Well, which whichever one is is is is over the phone. Just set that one up. I'm open availability, so just give me time and day.

utterance: OK. We will put you on the phone with Kesha! sir, the phone number that I have on file for you is two one three six seven two eighty-nine seventy-two. Does that work?

utterance: Sure. OK, great. So, what time works for you tomorrow?

utterance: That's right.

utterance: Whatever

utterance: You got. Just.

utterance: OK.

utterance: Keesha will give you a call at twelve thirty p.m..

utterance: Mhm.

utterance: So please feel free to ask her any questions. She is one of our best specialists.

utterance: OK.

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

utterance: Yeah, I've gotta gotta schedule that loan payment, too, remember?

utterance: Oh, yep! We have to schedule that loan payment. And when would you like to do that for, sir?

utterance: just want to do a one time payment for this month, and that's gonna be paid into my my S B my S B seven A loan. So, just process that for a hundred and fifty dollars real quick.

utterance: Excellent, sir. May I please have your checking account number and your routing number?

utterance: Yeah. Checking account is eight eight eight eight. Seven seven seven seven. Three nine four four.

utterance: And the routing number please?

utterance: Oh, routing number is five six eight. Seven one one.

utterance: Excellent. And you said in the amount of one hundred and fifty dollars, correct?

utterance: Yeah, pay pay it immediately if you can lock that down.

utterance: OK. And this is a one time payment, sir?

utterance: Right! Just just for now.

utterance: OK. I will go ahead and lock that down. We will make the payment now!

utterance: Great. What's the remaining balance?

utterance: the remaining balance is ten thousand twenty-two hundred. I mean, two ten thousand two hundred. So sorry!

utterance: OK.

utterance: Can't read!

utterance: Great! That's that's all I need today.

utterance: All right! Well, if there's nothing else that I may be able to assist you with sir, thank you for calling Intellibank. You have a lovely day!

utterance: Thank you! Thanks so much for your help! I really appreciate it.

utterance: Thank you. Goodbye!

utterance: Mm bye bye!


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

utterance: Hi. I would like to apply for a corporate credit card.

utterance: OK. Great. I can help you with that no problem. I am wondering if you can give me some information on yourself first and last name, date of birth.

utterance: Oh, yeah. My date of birth is eight nineteen nineteen eighty-six. and my name is Sorry. I got distracted by somebody's walking by my window. Yeah, yeah it's just just one of those things. my name is Hawthorne Thornton.

utterance: Oh OK. No problem.

utterance: OK. Hawthorne Thornton. Got it. What is your pin number, Hawthorne?

utterance: ninety-seven ninety-three.

utterance: OK. Ninety-seven ninety-three. Great and what is your account number? Your credit card number. Sorry about that.

utterance: My credit card number? Hold on. Let me get that. OK. Got it in front of me. It's thirty-nine thirty-eight forty-two oh two fourteen thirty-one twenty-one nineteen.

utterance: Mkay. Mm. Great. OK, yeah. I'm in your account now.

utterance: Will I be able to apply for a corporate credit card online or are you gonna send me information for that? What's the line of credit that I could get for that? The limit.

utterance: Yeah. The line of credit right now for that card is ten thousand dollars and yeah. I mean it's a pretty quick approval process. So it's line of interest. It is five point six percent interest for the first ninety days and then and then it and then it goes up to seventeen percent interest.

utterance: And I could apply for that right now or you have to send me that information in the mail?

utterance: You could apply right now or I mean we do also have information we can send you as well. It's really your call. You know, if you wanna apply right now we can do it or read about it. You can do that as well.

utterance: Yeah, I'd say I'd say go ahead and apply for it right now. That's what I would like to do. Yeah.

utterance: OK. You wanna apply right now? No problem. so I do have your information. We will just need one additional security. What is your mother's maiden name?

utterance: Oh it's Kailling.

utterance: OK. How do you spell that?

utterance: K A I double L I N G.

utterance: OK, great. That perfect. And then so what amount are you looking to apply for? Ten thousand? Terrific. Excellent. And then do you want me to read you the FAQs? Do you want me to email them to you? How do you want to view those?

utterance: Ten thousand. Right on the ceiling.

utterance: Just. You can just email them to me would probably be fine.

utterance: Mkay. What is your email address?

utterance: My email address is Hawthorne Thornton at Hawthorne Thornton and Associates dot com.

utterance: Mkay. Hawthorne Thornton at Hawthorne Thornton and Associates dot com. I will get this right out to you and also you have been we are trying for ten thousand dollar loan currently. Is there anything else I can help you with today?

utterance: Yeah, how long's it gonna take for me to know if I get approved?

utterance: Yeah.

utterance: If I don't get approved, what? It's gonna get a lower amount.

utterance: Yeah. Well, that's usually what happens. You'll get a letter in the mail and they will tell you like what number you have been approved for. and you will be receiving it in the mail in the next thirty days.

utterance: OK, so I get both at the same time then. hopefully it's ten thousand and if not then they'll just say, yeah sorry bro. No ten thousand for you.

utterance: Yeah.

utterance: Yeah.

utterance: But we could do eight, right? OK. That sounds that sounds good. And then you're gonna email me those frequently asked questions and all that?

utterance: Yeah.

utterance: Yes. I will.

utterance: And I

utterance: I will read those. Definitely, I'll read through all those and but yeah, in the meantime, what address do you have on file for me? So I just wanna make sure it's the right one cuz I put my pin in the other or thing in the other day and it didn't work.

utterance: I have sixty-six Horace Lane.

utterance: That's it. You know. OK.

utterance: OK. Great.

utterance: awesome. So is there anything else I can help you with this evening?

utterance: Nope, that'll be it. That's that's about all.

utterance: Terrific.

utterance: OK. Thank you for calling Intellibank. Again, my name is Barbara. Have a great evening.

utterance: Thank you.

utterance: Your Welcome.


utterance: Hi, this is Jess Jones at Intellibanking. What can I do for you today?

utterance: Hi. I would like to speak to someone about your tax specialist services.

utterance: OK. I'd be more than happy to set you up with that. Can I start by getting your full name and your date of birth?

utterance: Anthony Peak.

utterance: OK.

utterance: Date of birth is going to be zero eight, thirty-one Hello?

utterance: yes, and what was the year?

utterance: Yes nineteen ninety-one.

utterance: OK, so eight thirty-one nineteen ninety-one. And is that Peak spelled P E A K or P E E K?

utterance: It's P E A K.

utterance: OK great.

utterance: Yes. Thank you for clarifying.

utterance: Of course. OK. I'm going to go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: Yes, one second. OK ready?

utterance: Yes.

utterance: OK. I have five five two seven two four four three. Four seven four zero, two eight one six.

utterance: OK and that was five five two seven two four four three four seven four zero two eight one six?

utterance: That's perfect.

utterance: OK great. So before we can proceed any further, I just need to ask you a few sorry, questions for the security of your account.

utterance: OK no problem. And then, I guess I guess we could before we do that just because I don't wanna waste your time or my time. this is a service for small business correct?

utterance: Yes.

utterance: OK and then Do I have to have an LLC already? In place? my business is not technically LLC so would y'all still be able to help me out?

utterance: We would have someone be able to advise you on it. We do recommend that you do have an LLC, but he can walk through the process of establishing that.

utterance: OK, and then who would that be, walk me through the process?

utterance: Once we get you into your account, I'll be able to schedule you with someone, one of our tax specialists.

utterance: OK.

utterance: So can I go ahead and get your PIN number please?

utterance: Yeah, absolutely. It's going to be all zeros.

utterance: Zero, zero, zero, zero. OK.

utterance: Yes.

utterance: Four zeros.

utterance: And you might recall that you set up a few security questions when you created your account. I'm gonna go ahead and ask you those now.

utterance: OK.

utterance: What instrument do you play?

utterance: I play the piano.

utterance: OK, great. And what city did you meet your spouse?

utterance: I met her in Albuquerque.

utterance: Albuquerque. OK great. Thank you for verifying that information for me. I'm gonna go ahead and pull up your account now.

utterance: OK.

utterance: Just one moment please. OK. I am I am in your account right now. I have your information in front of me. So we wanted to go ahead and schedule you with a tax specialist?

utterance: Correct.

utterance: OK, let me pull up the scheduler. Is there a specific day that you were hoping to speak with someone?

utterance: One second. Let me let me check the calendar. Give me one second.

utterance: Of course, take your time.

utterance: I could do Thursday.

utterance: OK, let me pull up Thursday and see what availability we have. One moment. I'm sorry, unfortunately we are having a bit of a lag on our system.

utterance: No problem.

utterance: OK, I'm in now. So you said Thursday?

utterance: Correct.

utterance: Is there a specific time that you were hoping to speak with someone?

utterance: I can do anything after three p.m..

utterance: Three p.m.. OK, one moment. OK it looks like on that day we only have morning availability. Is there another day that we could try for you?

utterance: Can we try maybe Monday?

utterance: OK sure, one moment. OK on Monday it looks like we do have quite a few appointments available. What time are you looking at?

utterance: I can do again anything after three p.m..

utterance: OK, we do have one at three thirty. Does that work?

utterance: That's perfect.

utterance: OK great. So we're setting you up at Monday at three thirty. And were you hoping to have this appointment online or in person?

utterance: Let's do online I'm just kinda nervous with the covid and everything going on.

utterance: Of course. That's completely understandable. What's the best email for us to reach you at?

utterance: I have J J Wait, do you need my business email or my personal email?

utterance: wh~

utterance: Whatever email you'd like to be contacted by us at.

utterance: OK, lets lets do my business email.

utterance: OK.

utterance: Let's do info at Jay Jay dot com.

utterance: Info at Jay Jay dot com. OK, you're all set. So you'll be receiving an email from us at at that time.

utterance: Awesome. Well thank you very much and have a good day.

utterance: Of course. Thank you. You too.

utterance: OK, bye.


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

utterance: Hi, Michael. Calling because I want to update my street address but also apply for a term loan today.

utterance: OK no problem. I can help you with both of those things. let's start by pulling up your account. And to do that I'm going to need your full first and last name as it appears on your account.

utterance: OK it's Bobby Miranda. Birthday December twelfth nineteen eighty-seven. I actually am a Sagittarius. I social number is.

utterance: Oh.

utterance: I'm a yeah, I'm not, I, sorry I'm, I'm not gonna need the, your sign. I will need your actually you know what I may not even need your social. Well I will need your social later but for right now the next piece of information I need is your date of birth.

utterance: December twelfth nineteen eighty-seven.

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

utterance: One zero six six.

utterance: And what is your six digit account number?

utterance: Six five four eighty-eight seven.

utterance: All right. Gotcha all logged in here. so first off here now that we're in you're account, I am going to need your current address as it appears on your account.

utterance: Sure it's one oh eight Golden Circle, Laguna Beach, California, nine four zero three three.

utterance: OK. And what is your new mailing address?

utterance: It's two one two Pine Avenue Long Beach, California nine one six oh four.

utterance: Fantastic. All right and in order to make some changes to your account, I am gonna to have to ask you a few of your security questions. So starting off, what was your first pet's name?

utterance: Vernon.

utterance: And what was the name of the street you grew up on?

utterance: Evergreen.

utterance: All right. And what was your mother's maiden name?

utterance: Bosco?

utterance: Great. All right that has all been changed. And did you say you were looking to apply for a term loan?

utterance: Yes I am.

utterance: And what kind of terms were you looking for?

utterance: Probably two years?

utterance: OK that shouldn't be a problem. And I can go ahead and put in that loan request today. I just need to get some information from you today.

utterance: OK.

utterance: What is your full social security number?

utterance: Five oh four four zero three nine one nine.

utterance: And what is your four digit security code?

utterance: Eight seven eight seven.

utterance: All right.

utterance: I'm going to Vegas this weekend so. Probably gonna take the security code numbers and lay it down like eight seven eight seven on

utterance: I love it. I love it. Best of luck on that, I love it.

utterance: Yeah.

utterance: It's put eights and sevens all around the table. Like black and red whatever the numbers are and hopefully comes up you, you go to Vegas a lot?

utterance: no I rarely leave the carl, call center here.

utterance: Oh well I, I recommend it. You know, you gotta watch it to only short doses.

utterance: speaking of numbers. What is your tax ID number?

utterance: Tax ID is one four one eight three three seven nine two.

utterance: And your email address?

utterance: Bobby Miranda Lives at AOL dot com.

utterance: And your business name?

utterance: Bobby Knows Best Sandwiches.

utterance: And are you the sole owner?

utterance: Yes.

utterance: And what was the date your business was established?

utterance: Nineteen ninety-nine.

utterance: Oh. August sixth, August sixth nineteen ninety-nine.

utterance: August sixth. OK gotcha there. And what is your gross annual sales?

utterance: Hundred and ninety thousand.

utterance: All right and what's the purpose for this loan?

utterance: I discovered some back costs that, that we didn't take care of. We loss some, we had a storm and loss some some, some building damage.

utterance: I'm very sorry to hear that.

utterance: It's OK.

utterance: And how much money were you looking for?

utterance: Bout a hundred and fifty thousand dollars.

utterance: All right well I have submitted that loan request and you will received an offer I'm sorry, an answer possibly an offer in seven to ten business days. Is there anything else that I can help you with today?

utterance: No that'll do it.

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

utterance: Thank you.


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

utterance: Yes so I'm currently with another bank and I'm just not happy. I was kind of wanting to know about what I'll have to do if I wanted to maybe like switch or open a savings account with you all.

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 Mrs. Baker?

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

utterance: OK, Jill. So what kind of account are you interested in today?

utterance: like probably just a checking account but how do I do that?

utterance: Are you asking like what documentation we require?

utterance: no so yes and no but I'm just really unhappy with my current bank and I've made several complaints. I just don't know anymore like if I want to stay with them at all. I was just gonna really offer experience.

utterance: All right Jill so I would love to open an Intellibank business checking or savings account for you today. At Intellibank to open a bank account we require a copy of your business license, two years of personal federal tax returns, two years of business tax returns, and two years of financial end of the year statements from your previous banking institute. And Intellibank offers a business smart savings account or a preferred checking account. So if one of those would work for you be really happy to get you set up with one of those.

utterance: OK so do I have to come into a bank branch to provide all of that or can I set something up and does it cost anything?

utterance: Yeah so Jill there is no cost for opening a one of our business savings accounts or business bank accounts so is you would think you'd like to switch to Intellibank what I can do is get some information from you to get that account account request started. Then I'll ema- email you information pertaining to our communicational link and then you can upload all the required documents there for review or I can schedule an appointment to meet with one of our business bankers at one of our local branches.

utterance: OK let's just do it over the phone if that's possible.

utterance: Yeah, that's possible. can you bear with me for just a few moments? So I'm just gonna need to get some information from you. Just have a few questions. So Jill what is the name of your business?

utterance: It's Johnson Controls.

utterance: And what is your date of birth Jill?

utterance: It's March second nineteen eighty.

utterance: And what city and state are you in?

utterance: I'm in Kansas City, Missouri.

utterance: And your street address there?

utterance: It's five one nine Hoover Road Kansas City. seven three eight two zero is the ZIP code.

utterance: OK, and can I get a social security number for you?

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

utterance: OK, and what is your driver's license and state of issuing?

utterance: It's in N nine three seven zero zero two zero zero. It's a Missouri license.

utterance: OK and are you the only owner of the business?

utterance: Yes, it's just me.

utterance: And when did your business open?

utterance: It opened August of two thousand and fifteen.

utterance: OK, and can I get a tax ID number for you?

utterance: The Missouri tax ID is seven three eight eight two nine zero.

utterance: OK, and what is an address of your business?

utterance: It's eight three seven two Hilshire Way. That's Kansas City Missouri eight three six seven two.

utterance: OK, and can I get 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: And where do you receive your mail at? do you generally try to receive your bank account mail at your business or at your home address?

utterance: I- I'd like to receive it at the business if possible.

utterance: OK, and can you just confirm your tax ID one more time, please?

utterance: Yeah, seven three eight eight two nine zero.

utterance: OK. And are you just needing a business checking account or do you also want a savings account?

utterance: Just the savings account, please?

utterance: OK. All right. So what I'm gonna do is I'm gonna put in the request for the Intellibank smart savings account for the business. Give me just a moment OK.

utterance: OK, are you in Kansas City?

utterance: I am.

utterance: Is it snowing where you are?

utterance: no, it's really cold here but it's not snowing yet.

utterance: OK so I'm driving home today and I'm actually out of town today. Out of state so I'm driving in and I I've heard there's been some horrible snow coming your way. So I just wanted to see if I could avoid it.

utterance: Yeah I actually did hear that we were supposed to get quite a bit of snow but e- I think it was like eight inches the last time I heard but it hasn't said exactly what time it's gonna come in. I've kind of been watching for alerts and we had a TV on here in the in the business center. So I can kind of see it roll scrolling across the bottom of the screen there but it hasn't exactly said exactly when it's supposed to come in.

utterance: Oh my goodness eight inches. That's a lot. Hopefully, I don't hit it and it doesn't stop me or permit me from getting back to town. I'm about three hours out at this point. So hopefully I get in before it gets gets terrible out.

utterance: Yeah definitely drive safe. I mean it's out out there right now it's just cold so we don't have anything on the ground right at the moment. So as long as it stays and holds off a little bit longer then hopefully you'll be able to make it home. Jill will you be the only one applying for this account?

utterance: Yeah, I gonna be honest. It'd just be me.

utterance: OK, so Jill I am going to. I did get that pre-approval for you. So I'm going to email the list of the required documents that we'll need to link up on your banking portal where you can get an upload of those documents. Once those records are reviewed and the checking. I'm sorry and the savings account is open one of our account agents will reach out to you to walk you through the account setup. So you can expect a call within twenty-four hours after you've uploaded those records OK. Did you have any other questions for me i- regarding this?

utterance: No so will I get a list of the documents that I need too then?

utterance: Yeah so I'mma email you that list of documents and then also the portal link for you to upload those and then once once you get that information in somebody will give you a call within twenty-four and we'll finish that process to get that savings account set up for you.

utterance: OK thank you so much. I appreciate it.

utterance: All right Jill. Well thank you for choosing Intellibank and you drive safe OK.


utterance: Good afternoon thank you for calling Intellibank. My name is Lisa May and I will be glad to assist you on this call today. Who do I have the pleasure of speaking to?

utterance: Hi my name's Brittany Snowden.

utterance: Hi Brittany how's your day going today?

utterance: I'm OK how are you?

utterance: Great thank you what can I do for you today?

utterance: I want to apply for a line of credit.

utterance: All right, not a problem. And I can take care of that for you here right over the phone online application. Excuse me an over the phone application Let me get start by asking you to spell your first and last name for me.

utterance: my first name is Brittany. B R I T T A N Y. Last name is Snowden. S N O W D E N.

utterance: Terrific. And what is your home address?

utterance: my home address is twenty-two ninety-four Forest Lane. Yes and that's in Boston, Massachusetts. One zero zero nine five.

utterance: Forest Lane.

utterance: And thank you. And let me just check is Forest Lane one or two words? Thank you. And what is your social security number?

utterance: one.

utterance: my social security number is eight one three seven nine six four two.

utterance: Thank you so much. The state that your drivers license was issued and then the drivers license number.

utterance: Massachusetts. It's M A six five nine two seven.

utterance: Thank you very much. And the four digit PIN number you would like to create to associate with this account? Three three nine. I'm sorry. Three three nine.

utterance: Three three nine one.

utterance: One.

utterance: Thank you. Sorry I'm typing and talking at the same time.

utterance: That's OK.

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

utterance: the name of my business is Brittany's Shoes.

utterance: Brittany's Shoes OK. And are you the sole owner of your business?

utterance: Yes I am.

utterance: Thank you. And when was your business established?

utterance: twenty nineteen. It was in the month of December.

utterance: OK. Yeah the month is approximate but the year is the most important. OK. And what were your gross annual sales last year?

utterance: Mhm.

utterance: A hundred thousand.

utterance: And would that be a hundred thousand even?

utterance: Yes.

utterance: Thank you. And what is your tax ID number?

utterance: the tax ID number is seven one five three nine five four one.

utterance: Five four One. Thank you so much. All right and the address where your business is located?

utterance: One.

utterance: It is twenty-two fifty-six Greenland Drive. Boston, Massachusetts one one two four.

utterance: I'm sorry can you repeat the ZIP code for me? Thank you so much.

utterance: One one two four.

utterance: All right Brittany. And what is the amount that you would like to apply for on the on the I'm sorry your desired credit limit?

utterance: Fifty thousand.

utterance: Fifty thousand. OK. Just one moment while that goes. Those are all the questions I need to upload I'm just finalizing the application.

utterance: OK. I also need to get a consumer price index please.

utterance: All right.

utterance: Let me just finish with this.

utterance: OK.

utterance: Yeah I need because I have to do more inventory and I need I have to find out what the average price of shoes are in my district of where I live.

utterance: All right I'll get that for you.

utterance: Then transfer me .

utterance: OK.

utterance: Oh you know I'm just looking this up here. I would actually have to transfer you to my supervisor for that but I will be able to do that once I'm finished here. Will that be all right?

utterance: yeah can you Is there a long hold time to transfer to the supervisor?

utterance: No, shouldn't. It

utterance: Shouldn't be too long. But I just need to finalize your application. I just sent you a link to your email address. What you'll be doing with the link that I provide is to send us photocopies of your drivers license and your tax ID number. That will actually complete the application once that's uploaded. And then the application can be reviewed and approved. Or and within seven to fourteen business days.

utterance: OK that's fine.

utterance: All right that's everything I need from you here. Do you have any other questions for me? All right I'll transfer you right now. Thank you for calling Intellibank and have a great day. Bye.

utterance: No that's it. Thank you.

utterance: Thanks bye.


utterance: Hi. This is Ramona Perez at Intellibank. How can I help you today?

utterance: Yeah, Hi Ramona. I am looking to grow my money this year cuz every wealth specialist that I see on TV these kind of gurus and whatnot they always talk about in order to be rich you really need passive income which I don't have. All my dollars that I've worked for and you know my whole life and I'm tryna figure out. There's I dunno. I've got my bank account. Any advice for me about what to do to grow my income? do you like you personally, can I talk to you?

utterance: unfortunately, I am just the receptionist. But it sounds like you're looking to get set up with an appointment with one of our investment specialists.

utterance: You have those and that's a service that's free for me?

utterance: Yes. So the first meeting is complementary.

utterance: OK. I'd love to love to do that.

utterance: OK. Great. I can go ahead and get you set up with that today.

utterance: OK.

utterance: Can I start by getting your full name and your date of birth please?

utterance: Yes. My name's Steve last name is Jenkins. Date of birth March twenty-ninth nineteen eighty.

utterance: March twenty-ninth nineteen eighty. OK, Steve. I'm gonna go ahead and pull up your account but in order to do that I do need to go ahead and get the credit card number that you have on file with us.

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

utterance: OK. Sorry, Steve. I did get a little bit lost there. so lemme just clarify. That's four zero one nine four zero nine eight two eight eight.

utterance: Three zero seven seven.

utterance: Three zero seven seven. OK. Great. And so I am I am gonna be able to pull up your account but I do need to verify a few security questions with you for the integrity of your account.

utterance: OK.

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

utterance: Seventy-three sixty-four.

utterance: Seventy-three sixty-four. OK. And you might recall that when you created your account you did set up a few security questions with us. So I'm gonna go ahead and ask those now.

utterance: sure. Fire away.

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

utterance: Saunders S A U N D E R S.

utterance: OK. Great. And what high school did you go to?

utterance: That would be Burlingame B U R L I N G A M E.

utterance: Burlingame. OK, Steve. Thank you for going ahead and verifying that information for me. I am able to pull up your account. So gimme just one moment please.

utterance: Yeah. No problem.

utterance: OK, Steve. I do have your account in front of me. And you said you wanted to go ahead and set up an appointment with one of our investment specialists correct?

utterance: Right.

utterance: OK. Let me pull up our scheduler.

utterance: Mhm.

utterance: OK. So your two options are you can go in in person or you can try out our new Zoom meeting feature.

utterance: Huh. I'll do I've been doing all the meetings by Zoom for business so I'll I'll do that too. Do Zoom.

utterance: OK. Let's go ahead and do that then. Is there a specific day and time that you were hoping to speak with someone?

utterance: Oh. Monday Monday mornings. I like to start the week right.

utterance: Monday morning. OK. So let me see this upcoming Monday. We have one at nine a.m. and we have another at ten thirty a.m.. Do either of those work?

utterance: ten thirty a.m.. Let let me.

utterance: OK. So we I have you down for Monday morning at ten thirty a.m. and you wanna have it by Zoom. So you should be receiving an email from us shortly with the details of your meeting and the Zoom link. So all you need to do is go ahead and click on that link on the day of and you should be able to get in. Is there is there anything else that I can help you out with while I'm still on the line?

utterance: OK.

utterance: Yeah, I got a promotion from you in the mail. it says to open up if I open up a Intellibank Total Preferred checking account right now you'll start me with a hundred dollar credit. So I'm gonna do that.

utterance: Yes, that's correct.

utterance: OK. So can I start by getting your Social Security number please?

utterance: Oh. The whole thing?

utterance: yes.

utterance: five eight two three nine four four four one.

utterance: OK. Great. And and what was your business name?

utterance: So my business name is called Fanatics Party Supplies.

utterance: Fanatics Party Supplies. OK. And are you the sole owner?

utterance: I am with my brother. his name is Jack What did he he does is some crazy name change. oh. Jack Linklater.

utterance: OK. Great. And do you have the tax ID for that?

utterance: Yes. Eight two one nine three six.

utterance: OK. Great. And what business the business what state and what city is that in?

utterance: It's in Boise Idaho.

utterance: Boise Idaho. OK. And let's see. OK. So I'm going ahead and setting that up in the system for you. So you should be receiving an email shortly just walking you through your new checking account. We're so happy that you decided to go with us. Is there anything else that I can do while I'm on the line with you?

utterance: No. Thank you for making that so quick and painless.

utterance: OK. Happy to hear it. You have a lovely day.

utterance: You too.


utterance: Hello, thank you for calling Intellibank. My name is Suzanne and I will be glad to assist you today. How many I help you?

utterance: Hi I need to take out a or apply for a line of credit please.

utterance: All right you'd like to apply for a line of credit, I'd be happy to help you with that today. May I ask who I have the pleasure of speaking to?

utterance: Cindy Eustein.

utterance: could you spell your last name for me?

utterance: E U S T E I N.

utterance: Great, thank you Cindy. All right so we have a variety of type of loans, or secured or term Do you know what type of loan you you would like to apply or do you need me to go through any of that with you?

utterance: just

utterance: The term loan is fine.

utterance: The term loan, OK great. All right so I'm gonna be asking you some questions so I can input your information, I'll be needing you to have your drivers license, your tax ID number business address, do you have that documentation with you?

utterance: I I do. I

utterance: I have all that.

utterance: Great, all right the name on the loan will be the same, Cindy Eustein?

utterance: Yeah.

utterance: All right, one moment. and what is your home address?

utterance: my home address is one one two two Banana Drive.

utterance: Banana Drive?

utterance: Yeah like the banana that you eat.

utterance: OK.

utterance: Fresno California.

utterance: One one three one four.

utterance: OK, one moment with the ZIP code one more time?

utterance: one one three one four.

utterance: One one three nine four. OK great and do you have your drivers license available?

utterance: I do.

utterance: What state was it issued from?

utterance: California.

utterance: OK and the number for that?

utterance: A five nine three four one one two.

utterance: Four one one two?

utterance: Correct.

utterance: Great. You also have a four digit security PIN number associated with your other account, would you like to use the same one for this?

utterance: sure it's six three four three.

utterance: Six three four three.

utterance: Right.

utterance: All right, one moment.

utterance: OK great. And Cindy your email address?

utterance: Cindy Eustein at Gmail dot com.

utterance: OK is there a period between Cindy and Eustein or all one word?

utterance: All one word.

utterance: OK.

utterance: All right and Cindy are you the sole owner of this business or do you have business partners?

utterance: yes I'm the sole owner.

utterance: OK. Thank you. And what is the approximate month and date that you established your business?

utterance: January two thousand nine.

utterance: OK. Oh great, you've had this business for quite a long time, congratulations.

utterance: Thank you.

utterance: And for last year Cindy I need to record the gross annual sales.

utterance: last year was eighty thousand.

utterance: Eighty thousand, OK. Thank you and do you have your tax ID number available?

utterance: two one one.

utterance: Two one one.

utterance: One one.

utterance: One one.

utterance: Three three nine seven.

utterance: Three three.

utterance: Nine seven.

utterance: nine

utterance: Seven. Sorry, I'm just typing as we speak. OK and the address for your business please?

utterance: That's OK.

utterance: one four three nine.

utterance: One four three nine.

utterance: Fourth Place.

utterance: And is it the number four or is the word spelled out?

utterance: just just the number four.

utterance: OK.

utterance: Suite twenty nineteen.

utterance: Twenty nineteen. OK thank you.

utterance: That's Fresno California. One one three one four.

utterance: Thank you. And Cindy is your mailing address for the business the same or do you have a different mailing address?

utterance: it's the same.

utterance: Thank you. OK Cindy and what is the line of credit you desire to open or apply for?

utterance: thirty grand.

utterance: Thirty thousand dollars, OK. Thank you. And the purpose of your loan?

utterance: Mhm.

utterance: I just want to expand the services that I provide for my business. Do you need specifics or?

utterance: O~

utterance: Just

utterance: if you can tell me the the generally the what your business is?

utterance: It's a legal it's a law firm. I just want to expand our notary services escrow, things of that nature.

utterance: OK that's good, that's all I need. One moment please.

utterance: OK terrific Cindy I'm gonna send you an email and if you can if you can upload documents and send in pictures of your driver's license and your tax ID number and yeah those are the only picture documentation that I need if you can send that off I'll be able to then get back to you within seven to ten days for your results.

utterance: Great, thank you so much.

utterance: Do you have any other questions?

utterance: Nope that's it, thank you.

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

utterance: Thanks, you too bye.

utterance: Bye.