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

utterance: Yes, so I inherited some bonds from my late grandmother. And, I don't really know what that means, longterm.

utterance: OK, I can help you with that. 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: Please, just call me Jill.

utterance: All right, Jill, so you have inherited some bonds and you are wanting to find out the amount the bond will return over the course of the life of the return, is that correct? Am I getting that right?

utterance: Yes, it actually that's exactly what I'm asking, what it means long term for me.

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

utterance: I do, I have several.

utterance: All right, so I'm going to need to get some information from you first. What is your account number?

utterance: Can you give me just one second, I need to look it up. Give me one second please. OK. So its three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: All right Jill, what is your date of birth and social security number please?

utterance: Its March second of nineteen eighty. Its seven three eight zero two zero seven eight three.

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

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

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

utterance: That's Kansas City, Missouri.

utterance: And what is your address?

utterance: It's two one three Longfellow, and the ZIP code there is seven three eight two zero. That's two one three Longfellow Road.

utterance: OK, Jill, can I also confirm and email address for you? Actually, can I just confirm that its still J Baker at Johnson's Controls dot com? Is that right?

utterance: Yes, that's right. Can you tell me, what type of what type of treasury bond, like what's the difference between those?

utterance: Is that what you have, you have a treasury bond?

utterance: Yes, it's a treasury bond that I received.

utterance: OK, and how long do you anticipate keeping this bond?

utterance: So, I think that she had it for over twenty years. So I'm guessing, I'm guessing I'd like to keep it at least until I retire so maybe about ten or fifteen years.

utterance: OK. Let me see here.

utterance: So, what is the yield on that and can you kind of explain what the yield means?

utterance: Yeah, I I can. So, the yield on a treasury bond with an estimated thirty-five year span, that yield will give you a return of about twenty-four percent. A treasury bond yield is essentially just the amount that the bond will return over the life of that bond.

utterance: So, do people ever use their cashed out bonds to invest to buy shares?

utterance: Yeah, they do. But you would have to cash that bond out and then use those funds for investment. It's not possible to transfer the bond itself over for exchange for buying those those stocks. So, you'd still either way have to cash it out, take whatever whatever percentage you received off of that in order to to purchase the stock. We can't just transfer them.

utterance: So, is the yield on that bond guaranteed to be larger if I don't cash it out for a few more years?

utterance: Yeah, so, the longer you leave the bond generally the higher the yield is. Cashing out early would likely, it would likely cost you on the value of that loan at this point.

utterance: OK, so I have one last question. Can you move a bond from bank to bank?

utterance: Yeah, so a bond itself is not covered by any bank. Treasury bonds are are issued by the federal government and the government backs them by a full faith in credit. So if you're asking about the paperwork associated with the bond and where that can be held, and yes, you can transfer that paperwork to any banking security box or any banking institute that has some kind of, some kind of keep for that.

utterance: OK, thank you. That all makes sense.

utterance: All right Jill, was there anything else that I can answer for you regarding that treasury bond?

utterance: Yeah, so let me ask you now, can you tell me so it's only been twenty years now, actually, I think twenty-three years is the term of the treasury bond. But, can you tell me what would be the yield right now, for that. Like, what's the percentage?

utterance: You mean, like if you cashed out today on that?

utterance: Yes, can you tell me like for today what would it be, what the percentage would be?

utterance: Yeah. OK. So, the thirty-five years was about a twenty-four percent yield, so if you cashed out today at the twenty-three year time frame, it looks like it would be about nineteen percent. So you'd have about a nineteen percent return over the life of that bond from from the time period that your grandmother started that.

utterance: OK. And then thirty twenty-four you said if so it's not really a large difference.

utterance: No, it's not really a large difference. It just kind of depends on the value of it. You I mean you have to think about you know, if the if the bond's ten thousand dollars what the percentage is from that ten thousand dollar bond if you're thinking you know twenty-four percent of that ten thousand dollar amount or if it's one hundred thousand I mean, it increases by whatever that treasury bond amount originally started as.

utterance: OK then that makes sense. I understand.

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

utterance: No, I think that's everything. So, I mean I appreciate it. I I may have some more questions as I go later on but I'll give you guys a call back if I have more.

utterance: Yeah, that's fine. If you ever come across any other questions you'd like us to assist you with or if you want to speak to a financial advisor regarding that treasury bond, just call back here and we can answer any questions that you may have. Again Jill, thank you for choosing Intellibank and we hope you have a great day.


speaker_role: Agent

utterance: Good afternoon, thank you so much for calling Intellibank. My name is Peggy and I will be assisting you on this call today.

speaker_role: Customer

utterance: Hey,

utterance: Peggy, how's it going?

utterance: Pretty good how about you?

utterance: Doing well!

utterance: How may I assist you today?

utterance: Well I've got a couple things that I'm trying to take care of. First off I'd like to check the exchange rate with with the yen compared to the dollar and I'd also like to figure out what type of applications I need to apply for a there's there's one business loan I was hearing about, it starts with a five five four zero I think that's yeah.

utterance: Mm, oh.

utterance: We have a five oh four.

utterance: Five oh four.

utterance: S P A business loan, OK and you wanted to know what you needed to do it, as like what kind of paperwork?

utterance: Yeah, what.

utterance: Kind of paperwork I need.

utterance: OK.

utterance: Isn't that what I need to submit?

utterance: All right not a problem. let me just pull up your information so I can help you. Your first and last name please?

utterance: OK appreciate it.

utterance: My name's Conner, C O N N E R.

utterance: OK and your last name?

utterance: Conner Syptak S Y P T A K.

utterance: Great. Oh.

utterance: Yeah and

utterance: And my phone number is three one.

utterance: Oh, that's OK.

utterance: I don't need that right now but thank. Thank you for being ready.

utterance: No? OK.

utterance: what I will need to access your information is your four digit security PIN number.

utterance: Sure thing. It is eight one seven eight.

utterance: Eight one seven eight. OK.

utterance: Perfect and now I just need to verify your date of birth.

utterance: Sure it's November fourth nineteen ninety-five.

utterance: OK great.

utterance: All right very good. All right so we're gonna start with the exchange rate and you want to know the yen?

utterance: Yeah I'd like to check out the yen and maybe also the euro too if you could look in.

utterance: Oh. Great.

utterance: Not a problem for today, today's closing rate on the yen is coming in at point nine eight. So.

utterance: Point

utterance: Nine eight that's pretty good.

utterance: Yeah, pretty close and the euro I'll check that for you here.

utterance: The euro is coming in at point nine zero.

utterance: Huh. OK, that's good to know so destination is pretty high exchanging.

utterance: Yeah, and just.

utterance: I'm sorry, go ahead.

utterance: No I was just thinking I could probably exchange in pretty soon, like very soon and I should be good no matter when I take my trip unless something crazy happens with the dollar so yeah I think I might do that.

utterance: Yeah.

utterance: All right and just so you know you can actually check exchange rates on our website, that's been updated so you have that information available.

utterance: So it's available to you twenty-four hours a day.

utterance: OK gotcha gotcha, good to know and things I need to do to apply for that loan.

utterance: OK and this is just a general cuz it would change depending on the type of loan you apply for, but just basically you'd need to have your tax ID number, your drivers license you know what I can do for you I can actually just send you a link I'll send you an email and it'll tell you all of this information if. That way you don't have to write it down.

utterance: Yeah.

utterance: No, I mean right that.

utterance: Down .

utterance: I. I get lost

utterance: There. Let me just find a pen.

utterance: OK not a problem.

utterance: Yeah, if you could just.

utterance: OK.

utterance: I'm ready.

utterance: OK, you got it. All right so we would need photo documents of your tax ID number and your drivers license. a business license.

utterance: OK.

utterance: Yeah.

utterance: generally you need two years of tax returns your personal tax returns as well as your business tax returns. and two years worth of financial statements. And then

utterance: Copies of your, not copies but your annual gross income.

utterance: Oh, I could.

utterance: Anything I could do right now to kinda help the expediate that process, if you don't mind me asking?

utterance: I'm sorry I don't understand the question.

utterance: anything that I need to give you right now, I mean What could we do right now?

utterance: Well right now you were just asking me for what's needed. Are you actually applying for a loan now?

utterance: Probably not.

utterance: Oh OK cuz if you wanna do the loan we can do that but these are the photo documents that you would need to submit.

utterance: Yeah, OK I.

utterance: Still need to figure out certain things.

utterance: OK you probably still need to gather the documents.

utterance: yeah.

utterance: I wasn't sure if we could like do it in pieces and kinda if I change my mind I change my mind or.

utterance: It's.

utterance: Probably better to do everything all at once and then just so you know you can email those documents, we have a system to upload them directly. You can even fax them if you're still using a fax these days.

utterance: OK.

utterance: Yeah, well You were talking about that email earlier, if you also wanted to send that way I think I can figure it out from there.

utterance: Great, I'll send that to you right now and then you'll have information ready and if you did want to apply for any of our loans, you could do that online or you could call us directly.

utterance: All right I think that should do it, I appreciate it.

utterance: My pleasure, well thank you so much for calling Conner and you have a wonderful day. Bye bye.

utterance: you too.


utterance: Good afternoon. This is Danial speaking at Intellibank. How can I help you?

utterance: Hi. I have a bit of a situation here, and I'm hoping that you're gonna be able to help me out today. I have an account with you guys. a checking and a savings, and I'm trying to get some money sent out to my son. he went out to Florida on vacation and he was robbed, and I just need to send him oh, about a thousand dollars to get him taken care of. What what do you think's the fastest easiest way to send that money to him?

utterance: So, first of all, I'm sorry to hear about your son's situation, that's that's very unfortunate, but obviously, we're here to help. Just just before I do proceed please give me your first name and last name, so we can go ahead and.

utterance: Sure, it's Nathan Jones.

utterance: OK. Thank you, Mr. Jones, and what is your date of birth?

utterance: it is three seventeen seventy-five.

utterance: Great.

utterance: And just so you know, he doesn't have an account with you guys. Is that gonna be an issue?

utterance: That will not be an issue. so, I was actually going to clarify that right now. so, you know, if if he had if he did have an account with Intellibank like a small business account then, obviously, that could be a an account to account transfer, but if not the other option would be a wire transfer. now, just bear in mind that the wire transfer does cost fifteen dollars. There is a fee of domestic wire transfer, but this will ensure that you get the money right away or your son gets the money right away. so just as long as you're aware of that we can you know, start looking into the situation. also, if I also may add this is also a business account that you have with us, so just making sure that you are aware that you are transferring personal funds from a business account.

utterance: Yeah, you know, I it's my business and I don't really have anything in the personal account right now, so we're a. I'm considering this a little little loan to myself.

utterance: OK. Great. That's that's. now that that's out of the way, we just need a few more details about you just so I can clear you in terms of security.

utterance: Absolutely.

utterance: so, what is your four digit PIN number?

utterance: now we're not talking about my ATM PIN, right? This is the security PIN for the account?

utterance: Correct. Security PIN.

utterance: Oh, I know I have that somewhere, just I Would you mind holding on for a minute?

utterance: Not at all, sir.

utterance: Great. OK I think I got it here. Is it the four seven nine two number?

utterance: That is correct, sir. get you in. One moment. And how much was it that you said you wanted to transfer?

utterance: A thousand dollars please.

utterance: Thousand dollars. One zero zero zero, and just so you're aware again, the wire transfer will cost fifteen dollars. would you prefer that that would be taken out of the this account?

utterance: Oh, yeah, I guess let's go ahead and take that out of this account.

utterance: OK thank you, and just so you're aware, this will be an immediate transfer and your son will be seeing the money in their account right away. So, obviously, before we finalize this I would need the account number of your son's external account.

utterance: Sure, that is four seven six three one three two eight five four eight nine.

utterance: And five four eight nine, were the last four digits?

utterance: Yes, it is.

utterance: Me one second, and there we go. so that transfer has been authorized, and fifteen dollars will be debited from your account. and your son will receive the transfer immediately.

utterance: that's all we needed to do? That's it?

utterance: That's correct.

utterance: Great. That was very easy. That was a lot easier than I thought it was gonna be.

utterance: That's great. well, may I help you with anything else?

utterance: No, thank you so much for your time.

utterance: OK. thank you again for banking with us, and we at Intellibank bank are, you know, always happy to serve you, and thank you for bringing needs to us.

utterance: Thank you.

utterance: All right. Bye.

utterance: Bye.


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

utterance: I have a bunch of loans and credit cards with Intellibank and I was wondering if you could tell me my income-to-debt ratio for the my business.

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill, that's fine.

utterance: All right, Jill. So you are wanting to run the metrics to determine your current income-to-debt ratio, is that correct?

utterance: Yes, if I could. I have just been talking with my secretary and I just want to clarify some percentages with her when I see her next so she can just kind of update her records appropriately. I'm just I'm just going to put her in charge of keeping track of that, so I really want to to make sure I have all the numbers in a row.

utterance: OK. I totally understand that Jill. What is your account number?

utterance: Can you hold on just a moment while I look that up? Give me just a second to grab my statement. OK, so it looks like that's three four six zero two nine nine eight.

utterance: All right, Jill. What is the name of your business?

utterance: It's Johnson Controls.

utterance: All right, Jill. And your date of birth?

utterance: That's March second of nineteen eighty.

utterance: OK, Jill. Looks like your account has a four digit PIN number on it. Could you share that PIN number with me as well?

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

utterance: OK. And what time frame are you looking at for this report, Jill?

utterance: So if we can just do like the last six months and then if I want to go longer can I can I come back and call for that? Like if I wanted to do a longer period?

utterance: Yeah. So I can run the six months and yes you are more than welcome to call back any time for that information. I do wanna clarify though I'm showing two credit cards, two loans and two business bank accounts with Intellibank. Is that all correct?

utterance: Yes, so that's right. That there's yeah two two that's two credit cards, two . Yes, that's correct.

utterance: OK. And do you have any banking accounts other than at any banks, Jill?

utterance: No, so everything I have should be with Intellibank.

utterance: OK. Gimme just a moment, OK. I'm gonna run that metrics on this and were you wanting a copy of this report emailed to you?

utterance: Yes, if you can do that that'd be great.

utterance: OK, let me just confirm real quick. So your address your email address is J Baker at Johnston Controls, is that correct?

utterance: Yes, that's right.

utterance: OK, thank you. Let me run these metrics for you now.

utterance: OK, this is a really weird question but so I have an accountant and I could have him run the figures but it takes him a while to call me back. So so you know like is this request strange? Is it not something that a normal customer should be asking?

utterance: No no not at all. I mean it is it is a service that we offer here at Intellibank. So it's no inconvenience at all to us. Jill I do have that information for for you. OK, so looks like for today's date, for the last six months it shows your income-to-debt ratio is around thirty-four percent.

utterance: OK. So does it tell you what the normal average is for an income-to-debt ratio?

utterance: Yeah. So on the income-to-debt ratio scale a good or what they call a normal ratio is around thirty six percent. So you're doing really well based on those numbers.

utterance: OK and then you said you could email that to me so that I'll have it for my records as well?

utterance: Yeah, I can email that to you. Let me get that email now.

utterance: Is there anything that would affect that?

utterance: Yeah, so the metrics is based solely off of the information obtained from your account history and previously provided information on your financial accounts. So that mixed with running your credit report that's basically how they come up for that information. So for some reason there were accounts that were unreported or something hadn't been shared that could change the number or maybe there was an account in somebody else's name that didn't immediately pick up. But other than that it should be. the numbers should be you know the. As long as things you're reporting it should be accurate.

utterance: Yes, I have reported everything so I'm I'm assuming it's accurate then.

utterance: Yeah, then then these numbers should be good for you.

utterance: So what do they exactly factor in to determine that percentage?

utterance: So your income-to-debt ratio is the value of your company's monthly debit payments divided by your gross or your gross monthly income. So that's how they determine that number for you.

utterance: So how often should I check that? Is it something I should check every month?

utterance: So any time you open any kind of a credit account it's always a good idea to check it, but checking it annually if you're not if you don't have any new debt that's coming in that should be plenty sufficient.

utterance: OK, then. so I've got an email and I'll basically have all this information in it for me to keep for my records but other than that I shouldn't check it again for probably a year unless I open something.

utterance: Yeah. So unless you open some kind of new some kind of new credit or loan any new debt that you take on and you wanna you wanna run that just to keep make sure is they keeping you know keeping track of where you stand with that. But other than that every year if you just wanna check in annually you can give us a callback and we'll run that for you, OK? Was there anything else I could help you with today?

utterance: No, I don't think so. That was everything. Appreciate it, thank you so much.


utterance: Thank you for calling Intellibank. This is Allison. How can I help you?

utterance: Hey Allison. How are you?

utterance: I'm doing really well today. How about yourself?

utterance: I'm doing really good miss. Has anybody ever said is this Allison in Wonderland?

utterance: no.

utterance: Bad joke.

utterance: Right? A bad bad attempt at a joke. Bad bad conversation starter. Bad everything.

utterance: Oh. Well at least you tried to.

utterance: No, at least you tried.

utterance: A for effort. F for delivery. F for punchline. F for all right hey this is bad bad bad bad bad bad. all right so Allison I was calling because I am a customer with Intellibank and I I have my business account set up through you guys and I was wondering if I could get some checks ordered.

utterance: OK yeah absolutely. what's your first and last name?

utterance: my name is Tony Brown.

utterance: OK.

utterance: Mhm.

utterance: And my do you need my account number next?

utterance: Actually Mr. Brown, lemme just get your date of birth if I can.

utterance: All right, that's April fourteenth.

utterance: OK.

utterance: Nineteen seventy-five.

utterance: And your PIN number?

utterance: the PIN is fourteen seventy-five.

utterance: All right. OK and so how many checks do you think that you like we have a special running that's twenty-nine ninety-five for two hundred checks.

utterance: Oh yeah. That that would be perfect.

utterance: You wanna do that? OK. OK. And what would be the shipping address for the checks?

utterance: Yeah.

utterance: OK, so that address would be here at my my shop which is thirty-one hundred.

utterance: Mhm.

utterance: OK.

utterance: Wilson Boulevard and that's Oh.

utterance: Mhm.

utterance: Yeah.

utterance: Oh. Wait wait wait wait. hang on. freeze. Rewind. Hold on. Lemme.

utterance: OK.

utterance: No problem. is everything OK or?

utterance: Oh dummy me. Dummy dummy me. I'm sorry can I cancel that? I just realized I I have over a hundred checks left. I just I thought my box was empty and I saw you know they put the advertisement thing in there.

utterance: Yeah.

utterance: Yeah.

utterance: Under the advertisement I had two more booklets.

utterance: Yeah.

utterance: Oh OK. No no problem. That that actually has happened to other customers so don't feel bad. All right. So we'll just cancel that. Just forget it.

utterance: I am so sorry.

utterance: Yeah.

utterance: Yeah. All right. So but I I.

utterance: OK.

utterance: Can I put you to work on something else?

utterance: Oh my gosh. Absolutely. Please. That's what I'm here for.

utterance: All right.

utterance: a reason why I know I won't be needing checks for a while cuz usually I just call up and and set up my loan payment.

utterance: Mhm.

utterance: Mhm.

utterance: So can I get my business loan payment set up through you right now?

utterance: Mhm.

utterance: Yeah. Absolutely Mr. Brown. OK so what is the payment bank account number?

utterance: OK that account number is zero.

utterance: Mhm.

utterance: Mhm.

utterance: Eight eight six.

utterance: OK.

utterance: One one seven.

utterance: Mhm.

utterance: Zero nine.

utterance: OK and what the payment routing number?

utterance: the routing number is zero zero one six oh seven nine six five.

utterance: Mhm.

utterance: Mhm.

utterance: OK I'm just gonna repeat that back to you because I feel like it got a little shaky the call. Kinda like broke up a little.

utterance: OK.

utterance: That's fine.

utterance: So did you say zero zero one?

utterance: Mhm.

utterance: Six zero seven?

utterance: Yes.

utterance: Nine six five?

utterance: Correct.

utterance: OK perfect. I just wanted to make sure I had that right. OK and what date do you want that to come out?

utterance: tomorrow would be perfect.

utterance: OK perfect. All righty and what is the loan account number?

utterance: the account number is zero nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one.

utterance: Mhm.

utterance: Six six three.

utterance: OK so that's zero nine one five, seven one six six three.

utterance: Correct.

utterance: All righty. OK. All right so would you it's coming up on my page here that your automatic loan payments are gonna come into affect the fifteen of every month.

utterance: Perfect.

utterance: Do you want? Yeah is that OK?

utterance: That's great. Yeah.

utterance: All right. So we'll go ahead and set that up. And what do you think about online banking? Would you wanna sign up for that as well? What do you think?

utterance: la la la la. I'm guessing, yeah. I've been like kicking and screaming trying not to but honestly I guess it is time.

utterance: well you know what, you can you can go in and you can schedule other payments if you want. You can transfer funds. You know there's a lot of different things you can do. You can you know check. If you're into the stock market you can look at stock quotes and all that stuff. And then you'll also will get like a monthly email with different small business seminars that we give at our locations across the country. All right. So I will.

utterance: OK.

utterance: OK.

utterance: Yeah. Let's do

utterance: It.

utterance: OK, so I'll set you up with that. And then let me just throw your social in there. What is your social?

utterance: It's one seven nine.

utterance: Mhm.

utterance: One one.

utterance: Mhm.

utterance: Two zero seven six.

utterance: All right and what is your email?

utterance: it's T the letter T Brown.

utterance: OK.

utterance: nineteen seventy-five.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK. All right. OK so you're gonna get an email just read it over E E sign it. It'll ask for your E signature.

utterance: OK.

utterance: And then you'll get a welcome mail like welcome to online banking oh. and all that within in twenty-four hours.

utterance: All right.

utterance: OK.

utterance: And if you have any problems or questions you can just call us back anytime. our customer service line is open until eight p.m. eastern.

utterance: That sounds good to me.

utterance: All right Mr. Brown is there anything else I can help you with?

utterance: No that's everything.

utterance: All right well thank you so much for being part of Intellibank and we hope to hear from you soon.

utterance: Thank you so much.

utterance: Bye bye.


utterance: Welcome to Intellibank. My name is Sponge Bob and who am I speaking with?

utterance: Hey, Sponge Bob. this is Kermit.

utterance: Hey, Kermit. Nice to meet you.

utterance: Nice to meet you too.

utterance: And where can we get started today?

utterance: could you tell me. I've never had a savings account. Could you tell me about it?

utterance: Yeah, sure thing. well, you can open your own savings account and if you have a checking account you can link the two. If not you can have an independent savings account and if you'd like to waive that service fee monthly, which is twelve dollars, you can deposit a minimum amount of three hundred dollars and that way you'll never be charged a service service fee. If it does go below twelve hun- the three hundred you will get charged the twelve dollars service fee monthly.

utterance: OK. Gotcha. That was all very helpful. Well, let's go ahead and sign up for one.

utterance: OK. Sounds good. to start off do you have a checking account already?

utterance: I do, yes.

utterance: OK. Great. Let's go ahead and record your info. And Kermit, can I have your last name?

utterance: Ruffins.

utterance: Ruffins. OK. And then how about your mailing address. Can we confirm that?

utterance: Mhm.

utterance: yeah, six zero three three Wiltshire Boulevard Los Angeles, California, nine zero zero three six.

utterance: Great. And then can I confirm the last four of your social?

utterance: yeah. One nine one four.

utterance: One nine one four. OK. And what's your driver's license number?

utterance: it is three six four one.

utterance: Mhm.

utterance: two two.

utterance: Great. And how about your email address?

utterance: Kermit Ruffins at Gmail dot com.

utterance: Kermit Ruffins at Gmail. good. And then can I have your four digit pass number?

utterance: yeah. Three three two three.

utterance: and is this a personal checking account or it's business checking?

utterance: it's gonna be a personal.

utterance: OK. Great. All right. Let's take a look. OK. I found your checking account there. And you'd like to go ahead and open your savings account and link it to your checking. Is that correct?

utterance: that's correct. Yeah.

utterance: OK. Great. All right. I'll go ahead and start your savings account. And do you want to keep the same PIN for both accounts?

utterance: yes, please.

utterance: Great. All righty. And can you confirm your bank account number?

utterance: yeah, it is a two one four two three seven.

utterance: And then your routing number just below it.

utterance: Yeah. One one zero nine.

utterance: OK. Great. All right sounds good. Would you like to go ahead and deposit some funds into that savings or make a transfer from your checking?

utterance: I'm gonna go and put in about three grand.

utterance: OK. Three grand. We'll go ahead and do that and that will waive the twelve dollars service fee. And we never have any interest rates either.

utterance: OK. Very good.

utterance: OK. Great. I'll go ahead and get that started for you. Do you mind if I put you on a brief hold?

utterance: Sure. Please.

utterance: All right. All right. I've gone ahead and transferred those funds to your savings account.

utterance: Oh. Good.

utterance: And did you have any other questions about your savings account today?

utterance: No, that should I really think, should take care of all of it.

utterance: OK. Great. Well, I'll go ahead and send you a confirmation email with everything we covered today. if anything should come up on reviewing that confirmation email feel free to give us a call. we'd be happy to further assist you answering any questions.

utterance: OK. Sponge Bob. Thanks so much. You were very helpful today.

utterance: My absolute pleasure Kermit. Take care.

utterance: OK. You too. Thanks.


utterance: Intellibank this is Olivia. Thank you for calling, how can I help you?

utterance: Hey Olivia, how are you?

utterance: OK. How are you today?

utterance: I'm doing good. I'm doing I'm doing good. I'm actually a little bit dirty but good. we're we're doing a little a little late spring cleaning excuse me. A little late spring cleaning in the office today. since it's fall so we're actually doing fall cleaning and I'm going through all types of paperwork and folders and wallets and things like that and it came to my attention that I had a credit card and I haven't been using it for a long time and I don't even know what the balance is on it. Can you help help me out on this? Like.

utterance: Mm.

utterance: Wow.

utterance: Absolutely.

utterance: Because I think I I might wanna use my card.

utterance: Well I mean obviously it's your business.

utterance: Yeah. Exactly.

utterance: ? OK.

utterance: Yeah.

utterance: OK. Yeah.

utterance: Like the you know the business always needs stuff. Whether it's stuff inside the the the showroom in the store, or inventory, or if you just need to take a little business trip you know?

utterance: Mm.

utterance: Right. Well, what kind of business do you have?

utterance: oh it's it's a automotive parts.

utterance: Oh. OK. That's cool. Are you a mechanic or?

utterance: actually no.

utterance: OK.

utterance: No, I just love cars and got into this in a weird way through being a car fan and started doing like used car parts and then next thing I know I'm dabbling in new car parts and next thing I know it's getting out of hand and I'm opening a store and here here I am.

utterance: Nice.

utterance: Wow.

utterance: That's really awesome like Intellibank is all about entrepreneur and you know small business owners. We celebrate that and we wanna always support that. So that's like really exciting to me.

utterance: It it it You know what it really is it's it's like starting something at you know twenty something years ago basically as a kid and then all of a sudden, here I am twenty plus years later and it's like wow.

utterance: Yeah.

utterance: Yeah.

utterance: Mhm.

utterance: How did I get here?

utterance: Right? I mean working for yourself is like the ultimate dream. I think. but OK. I'm sorry. Enough, enough chit chat. Let me start by getting your first and last name.

utterance: Oh. we didn't even get to the names about that. OK. My name's Peter.

utterance: No I know.

utterance: OK.

utterance: Brock.

utterance: And that's B R O C K?

utterance: Yes.

utterance: OK Mr. Brock and what is your date of birth?

utterance: It's August third nineteen eighty.

utterance: OK. And your pin number?

utterance: The pin is eight three eight zero.

utterance: OK. And whenever you can just give me the credit card number.

utterance: OK. Hang on let me let me actually dig that card out now.

utterance: Sure, take your time.

utterance: OK. Hang on a second please.

utterance: No problem.

utterance: OK. You ready?

utterance: Yes.

utterance: All right. It is four oh.

utterance: OK.

utterance: Four two.

utterance: OK.

utterance: Seven five.

utterance: OK.

utterance: Seven five.

utterance: Mhm.

utterance: Three six.

utterance: Mhm.

utterance: Mhm.

utterance: Eight nine one. Four.

utterance: Mhm.

utterance: Seven five.

utterance: OK. So we have four zero four two seven five seven five three six eight nine one four seven five.

utterance: Correct.

utterance: OK, great. OK. OK. So you have twenty-one thousand one hundred and twenty-five dollars and fifty cents on that credit card.

utterance: Wow. OK. I the like that's This things been just like sitting in a drawer. Collecting dust.

utterance: Yeah.

utterance: Wow.

utterance: Only.

utterance: But I see that you always have made like very high payments from when you were using it. You did did you did like triple the payments some of the times I see. so that, you know, that gets you rewarded.

utterance: Yeah.

utterance: Yeah. I mean I always like to to do that. That's the smartest thing to do when you're doing anything with especially with credit cards to you know at least try to double if you can triple it triple it. That pay that down to avoid all those interest charges.

utterance: Yeah.

utterance: Mhm.

utterance: Right and then also I noticed though this is the the Intellibank business silver card.

utterance: Mhm.

utterance: So you should use it more because there are so many perks to using like discounts you can get like your monthly cellphone bill paid it's just there's ridiculous amounts of things that you can be getting right now, if you did use this card. and you know you do have the silver card so you should definitely take advantage of that and what I'd love to do is. I'm sorry I'm like jumping the gun on everything but well you should also consider online banking. because in the online. If you sign up for that you'll also get emails of your statements. You will get all the emails monthly about what's going on with the silver card and places you can shop or buy. For your business that will give you discounts.

utterance: OK.

utterance: OK.

utterance: So I would really recommend that for you, since you already have the silver card. You know I could send that over to you and I could set up the online banking. Did you ever think about the online banking or?

utterance: You know what? I most definitely should. I'm sure it's a lot more convenient and easier.

utterance: Mhm.

utterance: I think we should totally do that. and let's get that set up and Cuz I wanna get spending. I wanna go spend some money on this credit card now.

utterance: OK.

utterance: OK. Great. So what is your email?

utterance: OK. It's a P. Brock. The letter P.

utterance: Mhm.

utterance: B R O C K.

utterance: OK.

utterance: Nineteen eighty.

utterance: OK.

utterance: At Gmail dot com.

utterance: Now is that a capital P or? OK. OK. So I'm gonna send that over to you right now and so you'll get a link and it will prompt you to go through these different you know parts and it'll. It's so easy. It's really really we set it up so you don't have to call us back and you won't be confused. It's it's pretty easy. But please, if you do have questions don't hesitate to call us back. We just try to just do you know make you comfortable and convenient for you so you don't have to call back.

utterance: Yes.

utterance: OK.

utterance: OK.

utterance: But yeah so just follow that link.

utterance: OK.

utterance: And is there anything else that I could help you with?

utterance: No. That's everything for today.

utterance: OK Mr. Brock, it was great talking to you.

utterance: Thank you so much.

utterance: All right.

utterance: Have a good night.

utterance: You too.

utterance: Bye bye.


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

utterance: Hi Robyn. my name is Laura Geritt, I'm calling because I have a business account with Intellibank and and I'm having trouble logging in to my account online. I think I may have forgotten my pin.

utterance: Okay yes I can go ahead and help get you set up with a new pin today.

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

utterance: Yeah. It's Lora R L I'm sorry I'm so tired. L O R A and my last name is Garrett G A R R E T T.

utterance: Do you ever just get those days where you are so tired you can't even spell your own name?

utterance: Yes one hundred percent. I totally understand.

utterance: Ok so Lora what is your birthdate?

utterance: It is December seventh nineteen eighty-four.

utterance: December seventh nineteen eighty-four. Okay Lora I am gonna go ahead and pull up your account.

utterance: Can I start by getting the credit card number that you have on file?

utterance: Oh yeah sorry I wasn't ready with my information so I have to go get that from my wallet I'm going to put you on hold for a little?

utterance: OK. No worries, take your time.

utterance: Okay I think I found the credit card I'm not really sure that's the one that you have on file but I'll give it to you.

utterance: Sure.

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

utterance: Okay and that was eight zero four two nine seven eight nine, seven zero one three, four one one five.

utterance: Yeah exactly.

utterance: Okay great.

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

utterance: Okay.

utterance: Can I start by getting well you said you don't you don't know your PIN number and that's what we were going to change.

utterance: I know.

utterance: Yeah.

utterance: So instead of your PIN can I get the last four digits of your social security number?

utterance: yeah sure it's three two eight eight.

utterance: Three two eight eight. OK great.

utterance: And when you created your account you set up a few security questions. I'm gonna just ask you those.

utterance: Okay.

utterance: Okay so what is your Mother's maiden name?

utterance: Johnson J O H N S O N.

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

utterance: I went to Resuda High School.

utterance: OK. Unfortunately that's not showing up in the system. Let me get the spelling on that I I may have put it in wrong.

utterance: Sure it's R E S E D A.

utterance: Oh yes of course sorry I used a Z.

utterance: Happens all the time.

utterance: Ok great thank you for verifying that information for me. I am able to pull up your account so give me just one moment please.

utterance: Okay unfortunately we are experiencing a little bit of a delay in our system I think we we just have a very high call volume right now and unfortunately the system isn't able to handle it.

utterance: So it is going just a little bit slow right now so if you'll bear with me for just one moment.

utterance: No worries. I don't have to much left to do today.

utterance: Okay just one moment.

utterance: Yeah. How late do you guys open?

utterance: well we open at eight and then we close at six and that's Monday through Friday.

utterance: Oh so are you there until the end of six p.m.?

utterance: Yeah.

utterance: I am.

utterance: Wow.

utterance: That must be exhausting to field calls all day.

utterance: It is but you know I love helping people and so it gives me a little bit of joy.

utterance: OK Lora so I I was able to pull up your account and it looks like your old PIN was one two three four.

utterance: So did you want to go ahead and change it today?

utterance: Yeah. Maybe something a little bit more memorable four three two one?

utterance: Four three two one. Okay great.

utterance: So I am gonna go ahead and update your pin. You should be receiving an email from us shortly just saying you updated your pin and it's it's gonna list it on there for you so in the future if you forget it again you will wanna retain this email so you can always go back to it.

utterance: Great I will print it out and put it on my fridge.

utterance: Okay Wonderful.

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

utterance: No that's all thank you so much.

utterance: You're welcome Lorna. Okay you go on and you you have a great day.


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

utterance: hello, my name is Charlene and I really need some help because, I'm not really good when it comes to remembering to make payments and I am not shh and it really costs sometimes cuz somebody may think I've ignored but, it's not that, it's just I can't really remember when's the due date and when supposed to be actually paid.

utterance: Of course so I can help you schedule a loan payment. Would you like that?

utterance: Yes, I love that.

utterance: All right, no problem. first, can I get your name and date of birth?

utterance: OK, yeah. My name is Charlene and my date of birth is on the twentieth of December nineteen ninety.

utterance: All right. Thank you. And can I get your PIN number?

utterance: OK. My PIN number is three five four six.

utterance: Thank you. And can I also get your loan account number?

utterance: OK, that is, three five four six six eight seven nine two four.

utterance: All right, thank you. And can I get the bank account number for where you like to make the payment from?

utterance: OK that will be seven five eight six five three four four two zero.

utterance: All right, thank you. And can I also get the routing number?

utterance: OK, that will be five five one nine five one two six four.

utterance: All right. And what is the date that you'd like the payment to take effect?

utterance: it will be next Monday.

utterance: All right, no problem. and this is just the minimum loan balance due?

utterance: Yeah.

utterance: OK. All right. I have gone ahead and made the payment on my end.

utterance: Well, OK. And, when will I know the payment went through?

utterance: So, on my end it just went through. But, you will see it reflected in your account in about two business days.

utterance: Oh, OK. And, how will I know it's been processed?

utterance: Yes, so, you can check your accounts or you could check your email address. You will receive an email once the payment has gone through and completed.

utterance: Ya, OK. And Do you, does the bank have, does the bank have business plat card?

utterance: Oh, I think you mean our business platinum card?

utterance: Oh yeah. I meant that one.

utterance: Yes we have in this is platinum card, it's one of our highest ranking credit cards. And it's has high rewards and low fees. It requires a two thousand minimum balance and, if you'd like to know more about it, you can go on our website and read about it and you could also apply on there as well.

utterance: Oh, oh, oh OK. And how's the weather around there?

utterance: Oh, the weather's so nice, thank you for asking, how's the weather with you?

utterance: it's also nice, it's really warm and quite sunny. A great weather .

utterance: Absolutely, and did you want to know about online banking?

utterance: Yeah, I like to know about the the security features on the, on the app.

utterance: Yes so the app has, many security features. It requires a user name and password to log in. And if you with us, have a smart phone it requires a face ID so, that's another level of security. And the apps are not able to be hacked, or anything like that, so it's very secure. And you could do almost all the banking you do at a branch on the app.

utterance: OK. Even on the websites are?

utterance: the website you can not make cheque deposits, that can only be done the mobile app, but, otherwise, you can do everything else.

utterance: Oh, oh, OK.

utterance: Yes, and did you want to know anything else?

utterance: that's all for today.

utterance: All right, no problem, take care.

utterance: You too.


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

utterance: yeah. I was just looking through my mail today and I noticed that I didn't get a loan statement. I would like to request one please.

utterance: All right, sir. I can certainly help you with that. But, first I need to get a little information from you so I can access your account. Is that all right?

utterance: Yes.

utterance: All right, sir. first of all, can I get your first and last name please?

utterance: Yes. My first name is Gabriel.

utterance: My last name is Robinson.

utterance: OK. So, Gabriel Robinson. It's good to hear from you, Mr. Robinson.

utterance: Thank you now.

utterance: OK, Mr. Robinson, can I get your date of birth please?

utterance: Yes, my date of birth is ten twenty-four one nine seven four.

utterance: And, my social security is, in case you need it, is nine one five six six seven zero three nine.

utterance: Thank you so much for the information, Mr. Robinson. So, you gave your date of birth as ten twenty-four nineteen seventy-four. Is that correct?

utterance: Correct.

utterance: All right. Thank you, sir.

utterance: can I have your customer PIN as well please?

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

utterance: OK, sir. You gave your personal identification number as four four nine five four nine. Is that correct?

utterance: Correct.

utterance: All right, sir. Thank you so much. And, could I have the loan number for the loan you're having question please?

utterance: yes.

utterance: The loan number. That loan number is zero zero five nine seven seven six one three one.

utterance: OK, sir. To verify, that loan number was zero zero five nine seven seven six one three one. Is that correct?

utterance: Correct.

utterance: OK, sir. Give me just one moment while I access your account information.

utterance: OK.

utterance: So, do you have any plans for this weekend? Or is this gonna be a work all weekend?

utterance: Oh no, sir. I actually have off this weekend. I plan on going fishing with my son.

utterance: Oh. Wow.

utterance: Oh.

utterance: Fishing huh?

utterance: yeah. This is the last fishing we're probably gonna get before it's way too cold to go fishing and we don't live in Alaska so I don't know about ice fishing.

utterance: Oh wow. So are you guys any good with fishing? You ever caught some?

utterance: But, his father actually catches the big fish. Yeah, we haven't been able to wheel any in. But, I'm still trying.

utterance: Wow. Wow. Well I need to go fishing with the father one day.

utterance: he would probably really appreciate going fishing with him. I promise.

utterance: Oh, cool.

utterance: All right, Mr. Robinson. I got your account information here.

utterance: Would you like to obtain that report via paper or paperless?

utterance: E G your email or through the mail.

utterance: could I get that through the mail?

utterance: yes, sir. You certainly can.

utterance: I'll need to verify the address we have on file here is the one you'd like it sent to. Is that all right?

utterance: Yes.

utterance: Ok, sir. We have your home address down as forty-four sixteen Oceanview Drive in Seattle, Washington nine eight one one eight?

utterance: Your zip?

utterance: Yes, that's it.

utterance: OK, sir. Would you like this sent to any other address besides your home address?

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

utterance: OK, sir.

utterance: Apologize. how long would that take to get there?

utterance: OK. So, it takes about three to five business days to get to that home address.

utterance: OK. Three to five business days?

utterance: Yes, sir. So, you can keep an eye on that. That looks like it probably be there around Wednesday of next week at the at the at the latest.

utterance: OK. .

utterance: OK.

utterance: All right, sir. so, I've gone ahead and processed that request for your loan statement for the loan account of zero zero five nine seven six one three one.

utterance: It's gonna be sent to the address on file of forty-four sixteen Oceanview Drive in Seattle, Washington.

utterance: ZIP code nine eight one one eight. That should be sent out tomorrow so it should be at your house in three to five business days as I stated earlier.

utterance: Earlier.

utterance: OK. That sounds good.

utterance: OK. Is there anything else I can help you with, Mr. Robinson?

utterance: I believe that is it.

utterance: OK. And, I would like to remind you that we normally send out these reports, you can actually get a report online through your online banking account. It looks like you have that established with us. You can actually go online and look at that report at at your leisure if you actually can access it on there.

utterance: Yeah.

utterance: OK.

utterance: All right, sir. if that's all I can do for you today, Mr. Robinson, I hope you enjoy the rest of the day.

utterance: And again, my name was Natasha. Thank you so much for calling.

utterance: Ok~

utterance: OK, Natasha. You guys have fun fishing now.

utterance: Oh, we certainly will try.

utterance: Thank you so much, Mr. Robinson.

utterance: All right.

utterance: Thank you. Bye bye.

utterance: Bye bye.


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

utterance: Hi Daisy, I have some information on my account that I need to sort out and I really need to get a hold of you guys.

utterance: Oh, OK. is this something we could take care of on the phone, or would you like me to provide you with a branch location? How exactly can I be of assistance?

utterance: I, I guess a branch location would work.

utterance: OK. I'd be happy to find you a branch location near you. What is your address?

utterance: It's one twenty-one, Parkside Acres, Branson. Actually, you know what, Daisy I need to update some information on my account, so is that something I can do over the phone with you?

utterance: Yeah, absolutely, we can update account information. let's go ahead and pull up your account. What is your full name and address?

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

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

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

utterance: Thank you. What is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: Thank you. George, can you verify for me your checking account number with Intellibank?

utterance: Zero zero one six three nine two two one seven.

utterance: Great. Which piece of information would you like to update?

utterance: I'd like to update my business phone number.

utterance: Excellent. What is the phone number? Please verify the phone number we currently have on file.

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

utterance: Thank you, and what would you like to change that to?

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

utterance: Thank you. I have went ahead and made that update and I will have a confirmation number for you shortly.

utterance: Great. How's your day going, Daisy?

utterance: So far, so good. You're the you're only the second call of the day, so can't really gauge how, how it's gonna go, but so far it has been excellent. How about you, George?

utterance: it's going good, but, you know, I say that every morning, trying to manifest a good day. You gotta keep trying, you gotta keep your head up to actually have a good day, no matter what, you know?

utterance: Yeah, I know, I know. Yeah, I have that transaction number for you, confirmation number.

utterance: OK, I'm ready.

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

utterance: OK, I got that.

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

utterance: Yeah, I got a letter in the mail, talking about a credit card, I think it was called the Business Silver Card. could you tell me more about that?

utterance: Absolutely, I'd be happy to give you more information about our IntelliBusiness Silver Card. This credit card is targeted towards small and medium sized businesses It allows you to reduce the administrative charges and manage easily the expenses of your card right there online, twenty-four seven. It comes with no pre-set spending limits so it can adapt to your needs based on your spending behavior, payment history and credit profile. There's no annual fee. You earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cash back, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost. you're allowed to set individual spending limits on those employee cards which allows you greater control over your company's expenditures. Your card transactions will be monitored for possible signs of fraudulent activity and you will never be held responsible for unauthorized charges made with your card or account information. you, you can customize your card with your own business logo and design. Does this card sound like something you'd like to apply for today, George?

utterance: Not right now. I have to talk to my people before I apply for a card but I appreciate the information.

utterance: I understand absolutely. Would you like me to send this information to you via email?

utterance: Sure.

utterance: OK. That should arrive momentarily. Is there anything else I can help you with?

utterance: No, that's it.

utterance: right, well, thank you for choosing Intellibank, and have a great day.

utterance: You too, bye.

utterance: Thank you, bye bye.


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

utterance: I'm wondering what type of services that you offer as far as advice for business accounts.

utterance: Yes, we have got tax specialists, risk specialists, and investment specialists that we offer as services to our account holders.

utterance: OK I'm thinking about maybe a tax specialist. can you tell me what what they offer?

utterance: Of course. Our tax specialists are generally an accountant or a lawyer who specializes in helping either individuals or organizations in preparing and filing your taxes.

utterance: OK. what about the risk specialist? Can you tell me what they offer?

utterance: Yes, a risk specialist are financial managers who use their specific training and experience to help identify potential risks that could result in a lower cash flow or a higher insurance rate for businesses.

utterance: OK. I think I'd like to talk with a tax specialist.

utterance: All right I can certainly do that. and what date would you like to set the appointment up for that?

utterance: on second thought I think I want the risk specialist instead.

utterance: All right so you would like to cancel your request for an appointment with a tax specialist and instead request an appointment with a risk specialist, is that correct?

utterance: That's correct.

utterance: OK. I can certainly do that. Can I have your name please?

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

utterance: Thank you and do you have an account with us here at Intellibank Mr. Thomas?

utterance: I do. I've got a business total checking account.

utterance: OK. Do you have the account number for that account?

utterance: hang on a second let me get it.

utterance: All right no problem.

utterance: OK I've got it.

utterance: All right. Whenever you're ready if you could just give me that account number.

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

utterance: All right thank you and is that account associated with a business? That you are wanting to talk with our risk specialist about?

utterance: That's correct.

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

utterance: Thomas Custom Cabinets.

utterance: All right thank you, and can I have your PIN number please?

utterance: One zero six two.

utterance: All right thank you very much Mr. Thomas. And what day would you like to have that appointment on?

utterance: Next Tuesday.

utterance: OK. And a time for that appointment?

utterance: you got anything open in the afternoon?

utterance: let me check the calendar. Yes I see we have a one a one forty-five and a three thirty P M options available.

utterance: OK let's do the three thirty.

utterance: OK, and would you like to do that appointment in person or remotely online.

utterance: Let's do it remotely online.

utterance: All right, no problem. Can you verify your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: All right I've got that appointment set up with one of our risk specialists. and you will receive a link in your email to a secure remote conferencing tool that we use for that. it is best if you have a webcam, but it is not required. it can be audio only if you prefer.

utterance: OK.

utterance: All right sir was there anything else I can assist you with today?

utterance: I don't believe so. Your day going pretty good so far?

utterance: Yes sir, my day is going quite well, how has your day been?

utterance: Oh not too bad, about to get off work now.

utterance: Oh well that's great to hear. All right is there anything else I can assist with?

utterance: I can't think of anything.

utterance: All right sir well you have a fantastic day and thank you for choosing Intellibank.

utterance: All right thank you.

utterance: Thank you, goodbye.


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

utterance: Yes I got something in the mail about interest rates, could you tell me more about it.

utterance: Sure I'll be happy to help you with that ma'am, and if I could just ask, what's your first and last name?

utterance: Evelyn Richards.

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

utterance: John's Bed and Bath.

utterance: And by the way, what's what's your branch hours?

utterance: Sure, the hours of our branch operations are Monday through Friday from nine a.m. to four p.m. and we're closed on weekends for the branches.

utterance: OK.

utterance: And Ms. Richards if I could ask a few questions in order to pull up your account and find out what that notice is that we sent in order to verify your account. what is the date of birth on your account?

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

utterance: OK and thank you for that. I was just about to ask for that, and what is the account number you have on file?

utterance: Well for my favorite account, it is nine eight four six five nine one.

utterance: OK and what is your PIN number?

utterance: One zero one seven.

utterance: Terrific, and yes it appears I was able to pull up your business preferred account with us. and with your business preferred checking account I of course see that you did receive a notice. and that notice was in regards to the interest rates that we're offering here on our term loans. and with these loans, they are the lowest interest rates we've offered all year long and they really are super affordable and of course offering a tremendous opportunity to receive funding at some of the lowest rates ever.

utterance: All right, that sounds very good.

utterance: Is that something, well sounds like it something you might be interested in. Would you like to apply for a loan?

utterance: Yes I would.

utterance: All right. Well, terrific. I'm glad to assist you with that if I could just ask Ms. Richards, what is your personal address?

utterance: one forty-one, Oakwood Avenue Avondale Estates Georgia three zero zero zero two.

utterance: OK terrific and Ms. Richards if I could ask, what is the business address you have with us?

utterance: One zero seventy-five Layman's Court, Smyrna Georgia, three zero zero zero two.

utterance: OK thank you for that and Ms. Richards if I could ask is what is your mailing address?

utterance: the same one zero seven five Layman's Court Smyrna Georgia, three zero zero zero two.

utterance: Terrific and Ms. Richards if I could ask, what is your social security number?

utterance: It is two three five zero six eight two six eight.

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

utterance: Zero nine seven five nine eight two two.

utterance: And Ms. Richards what is your tax ID number?

utterance: My tax ID number is seven three one six nine five eight two two.

utterance: yes and what is the state of your driver's license number?

utterance: OK the state is Georgia.

utterance: Thank you for that, and Ms. Richards, how long have you been in business?

utterance: Well my business started March the first of nineteen seventy.

utterance: Oh well, congratulations on having a business that's been around for a while.

utterance: Thank you for that, yes I tell you that's a long time, and it went by seemingly pretty fast.

utterance: Indeed. Indeed.

utterance: Yes and you know I was so excited about our Braves winning the World Series and I'll tell you. I cannot forget that catch that Freeman made, that last one.

utterance: Aha yes I take it you mean the final out of the game for the world series?

utterance: Oh yes, perfect.

utterance: well congratulations to you it sounds like you're a big Braves fan, and I know that you and everybody with the Braves have to be super excited because I think I saw on television that it's been twenty-six years since your team has won a championship.

utterance: Oh yeah it's a lifetime and it means a whole lot to the city.

utterance: Again congratulations, it is big and they really really played well.

utterance: They did.

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

utterance: Yes.

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

utterance: About twenty seven million dollars.

utterance: And what is your business email address?

utterance: Business email, E dot richards at J B B dot com.

utterance: All right and Ms. Richards, if I could ask, what is the amount of the loan that you'd like to apply for?

utterance: Five million dollars.

utterance: Awesome awesome, and Ms. Richards what's the term of the loan that you'd like?

utterance: I'd like to do a five year.

utterance: OK five year loan and Ms. Richards what's the purpose of your loan?

utterance: I wanna do a refinance.

utterance: OK to refinance. All right terrific. and with that being the case Ms. Richards I think we have everything we need at the moment in order to proceed with your application here for the term loan and with that being the case, I'll go ahead and move your application submit it over to our business loan department, and what will happen is they'll review your application and generally within two to three business days, and sometimes same business day, by the end of the business day but at most within two to three business days, they will reach out and let you know what the next steps are in the process.

utterance: All right well thank you very much.

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

utterance: No there is not. I appreciate this.

utterance: Wonderful, well we certainly appreciate you considering applying for a loan with us. We certainly do value your business here with your business preferred checking account, and we certainly do look forward to continued business with you Ms. Richards.

utterance: Well I look forward to hearing back from them pretty soon.

utterance: Thank you. I'll pass the note along. You have a terrific day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: how you doing?

utterance: I'm doing great. How are you doing today sir?

utterance: Pretty good. That's great. Yeah I need to cancel a check take. You know taken care of something happened I filled in the wrong wrong amount so I need to get that fixed.

utterance: Yes sir I can help you with that. Now would this be on your business account or your regular?

utterance: Yes, ma'am.

utterance: It'll be on Tony Barony's Pizzas.

utterance: OK yes sir I can help you with that. Now I'm gonna have to ask you some qualifying information on your account to make sure you are who you are. OK can I please have your.

utterance: Only

utterance: One Tony Barony.

utterance: your your full name again sir?

utterance: Tony Scott Baroni B A R O N I.

utterance: OK thank you so much for that and can I have your date of birth and your social?

utterance: Two twenty-eight seventy-three.

utterance: Thank you.

utterance: Social is two one one six one two three eight four.

utterance: OK sir thank you for that and could I have a PIN number on that account?

utterance: Eight three three five nine two.

utterance: OK thank you sir and how about a phone number?

utterance: Oh phone number? Yeah three oh four three four five six seven eight one.

utterance: Yes sir. OK thank you very much for that. OK so we're wanting to cancel a check that went out about when did it go out?

utterance: Two days ago.

utterance: OK.

utterance: But I put in the wrong amount and I need to just get it canceled. So I made an error when I was filling it out. so.

utterance: OK yes sir. We can take care of that no problem and could I have the address on the account please?

utterance: Yeah one two three Cicely road.

utterance: OK.

utterance: Morgantown West Virginia two eight one two one.

utterance: OK thank you very much for that and will this be the only check that we need to cancel at this time?

utterance: Yes Ma'am this is all we gotta do.

utterance: OK yes sir. OK and the and I'm gonna confirm the amount of the check with you and that was for three sixty-two?

utterance: The the one was on yeah three sixty-two. Yeah.

utterance: OK.

utterance: OK sir. Yes I have located that check in circulation and we are gonna take care of that for you. It will be by six a.m. in the morning that this check will have been canceled you can also look that up in your online statements either by mail or by fax or by mail delivery I I see here that you're getting yours by email right now.

utterance: Yes that's correct.

utterance: Is is that the way you wanna continue getting your statements.

utterance: Yeah. I.

utterance: Like it like that.

utterance: OK sir no problem we will totally leave that for you.

utterance: You like pizza?

utterance: Yes sir I do.

utterance: You should come down and

utterance: Check out our pizza joint.

utterance: Oh yes sir I do love pizza

utterance: Pizza Baroni Brothers.

utterance: Oh.

utterance: We got some of the best pizza in town. You should try it out sometime.

utterance: yes sir. That sounds incredible. I love good pizza.

utterance: We have a

utterance: Twenty-two inch large.

utterance: Wow well that.

utterance: It's

utterance: Hard to get it's hard to get in the car it's so big.

utterance: Oh that would be great sir.

utterance: Bump.

utterance: Bump bump it going through the door when you get home.

utterance: Oh thank you sir. That'll be great. I would love to come and try the pizza.

utterance: Yeah check it out.

utterance: is there anything else I can help you with as far as maybe online banking? Are you interested with anything with the online banking that might help you out?

utterance: Well we got the online banking but maybe I'm thinking about doing some upgrades at the pizzeria. So maybe a little maybe a small business loan might be up in the near future?

utterance: Yes sir we.

utterance: We need to get

utterance: A new oven cuz well business's been on so good we will have to get two ovens now so them things are expensive so we might have to get an extra.

utterance: Yes sir. I see here that you've got the business total checking which is a great choice for your business with all the added perks there it's a lot of fee waiving and that today we can waive the fee for your check cancellation because you do have the Business Total checking which is a really great deal.

utterance: Credit should be pretty good too.

utterance: yes your credit it shows your credit is impeccable and in good standing we do offer secured loans estate loans. It has to be a business loans and some term loans so we do have a lady that specializes with all the different loans that we offer and she also can go over the competitive interest rates that each one carries. her name is Jeana and I'd love to give her your information and maybe she could contact you at a later time if you're available?

utterance: Yeah that'd be great.

utterance: OK sir. I will definitely do that OK I've got your check cancellation to go through by six a.m. in the morning. Is there anything else I can help you with today?

utterance: That sounds great. You come down pizzeria tell them who you are we'll give you a slice.

utterance: Yes sir.

utterance: Slice

utterance: Is nice.

utterance: Yes sir thank you very much and if you have any other questions about your account or if you need to if you need any other kind of help at all never hesitate to give us a call here at Intellibank and we thank you for being a valued customer.

utterance: Got it. You've been great. Thank you so much.

utterance: Thank you sir.

utterance: Right.

utterance: All right. Bye bye.

utterance: Appreciate it.

utterance: Bye bye.


utterance: Hi thanks for calling Intellibank. This is Mary. How can I help you?

utterance: Hey how's it going Mary? You have a nice voice. I think that you sound young. Are you like in your late twenties, early thirties?

utterance: Yeah. Other than that, what can I help you with today, sir?

utterance: Yeah .

utterance: Yeah I don't I don't detect an accent. Are you what part of the United States are you from?

utterance: I am originally from back east. I'm from Ohio.

utterance: Oh OK Ohio. Ohio yeah man there was used to be this things like Brunettes cute brunettes were always from Ohio in undergrad. There's something about that or what is it with Ohio? It's just The population out there yeah.

utterance: Interesting.

utterance: Yeah, well must be all the corn.

utterance: Maybe I thought corn was Nebraska.

utterance: It is but you know, we have corn too.

utterance: Yeah. So what what did you say your first name was?

utterance: Oh this is this is this is Joey. With a Y.

utterance: OK can you spell that please?

utterance: Joey with a Y, so it's J O E Y.

utterance: Great and what is your last name?

utterance: Fertatta.

utterance: Could you spell that please? .

utterance: You know, like the

utterance: The egg thingy?

utterance: Yeah I do. I do know the egg Could you spell it please?

utterance: Yeah. but we

utterance: Spell it F E R T A T T I.

utterance: I mean T T A sorry not T T I. T T A sorry it's been a been a long day.

utterance: OK great! I found you. What is your date of birth?

utterance: Eleven two nineteen ninety-eight.

utterance: Eleven two nineteen ninety-eight. having a little bit of a hard time is that, is there anything?

utterance: Well I got like I got like a notice in the mail saying that I needed to contact you about my my my account or something but I don't what the I don't know what it is. It just said call Intellibank like ASAP regarding your account but like I I and I threw a paper away.

utterance: Mm.

utterance: So I don't know you know what I mean? Like there's just.

utterance: OK.

utterance: Yeah, yeah, yeah. Let's finish though. What is your pin?

utterance: sixteen seventy-seven.

utterance: OK and what is the security question? I see here you have the street you grew up.

utterance: Florida Street.

utterance: Florida.

utterance: Yeah.

utterance: Could you spell that please?

utterance: F L O R I D A. You know like Flo Rida? You know, remember Flo Rida in the clubs? Yeah. Space be like that. Yeah.

utterance: No, I don't remember that.

utterance: Thank you.

utterance: Yeah.

utterance: Cool OK, so

utterance: It's also spelled

utterance: The same as the Florida Project. That movie? The Florida Project. Spelled the same way.

utterance: Mhm.

utterance: Great. Thank you.

utterance: Yeah. so it seems like you got a letter and you don't know what the letter was pertaining and you threw it away.

utterance: Yeah it was like call Intellibank and I was like what is this, is this a scam and then I crumbled it up and threw it away and then the trash came, they took it away and then on second thought I was like wait a minute like maybe that was that was legit like I got like a thing from Intellibank like I need to check to see If my account has been hacked or if I'm overdrawn perhaps or if or if I'm in arrears for back payments.

utterance: OK well I know we did actually on your account here, it says we did send you a new offer we have for a credit card that has zero percent interest for the first thirty-six months which is a really great deal and we're just wondering if you were interested in that card?

utterance: Dang it. I threw the paper away. I totally would've been interested in that but I threw the paper away and so now I now I I don't get the deal? I have to.

utterance: can you send me another paper?

utterance: Well Joey because you called in today, we are good so If you'd like to go forward with this, we can put your information and we could get you out a card you know we just need a little bit more information but yeah I mean if you're interested we can certainly move forward.

utterance: OK that'd be great but first I need to check my account balance for both my checking and savings account just to make sure that I could afford to rack up all that debt for thirty-six months you know I wanna be able to make sure I could cover it. Cuz really have much work lately so if I could check to see If you know if I could cover that yeah.

utterance: Yeah.

utterance: Sure and you know what actually what is your bank account number here.

utterance: The checking account number is two six eight Seven eight zero nine nine eight seven.

utterance: OK. Here we go. in your checking account you have sixty-eight thousand dollars and eight hundred seventy-two dollars and twenty-five cents.

utterance: That's not bad yeah it's good you know I've been cuz I've been out of work but I've been living under the radar and I mean like I'm eating straight tuna out of the can you know. I'm not really like like spending much money, you know so it's good that I store up that much cuz you know the pandemic will really drain you know.

utterance: Right. So yeah I mean it looks like you definitely that is your checking account. Would you. Is there another account you'd like to check?

utterance: No actually the checking account would cover it. I think I could I could spend spend spend on the credit card for thirty-six months and then I could still have money on the checking account to pay that off you know once that interest comes due so go ahead and send me out the the form to fill out in the mail and and I'll send it right in and I'll start swiping that card right away.

utterance: Great. Well that sounds great. Is there anything else I could help you with today?

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

utterance: OK all right well thank you so much for calling Intellibank. Have a great one.

utterance: You too. Thank you. Bye.


utterance: Good afternoon this is Grayson, speaking on behalf of Intellibank. how is your day?

utterance: Oh hey, Grayson, my day is going pretty good actually. how are you doing?

utterance: That's good to hear my day is going well as well. it is a great day. very very nice. how may I help you?

utterance: well, got a loan with you guys can't remember right now which type of loan I got not good with these things you know got it last year. Beginning of the pandemic whole thing was kind of a rush. but let me tell you at the time it was a lifesaver. and yeah basically I just was looking to see what my remaining balance was on the loan and know how long I'm gonna have to pay that back.

utterance: Absolutely, sir, I'd be happy to assist you with that. before we do proceed with I will ask you for your first name and last name.

utterance: It's Don Thompkins.

utterance: Do you mind spelling out Thompkins for me?

utterance: Sure it's T H O M P K I N S.

utterance: Thank you very much, sir Mr. Thompkins so we are happy to assist you today with accessing your your loan account and before we proceed we do need your date of birth as well as the pin number to your account.

utterance: No problem. that is eleven two eight three November second nineteen eighty-three, and my pin is five four eight three.

utterance: OK. Thank you, sir. one second as we go into your account. OK, so we are showing that you do have a Outstanding loan account with us. I do remember you saying that you were not sure which one. it is the small businesses association loan. the SBA five A loan. and does that sound familiar?

utterance: The SBC.

utterance: Five loan?

utterance: The SBA five five A.

utterance: The S B A, five A.

utterance: Correct the five A there. We. At Intellibank we serve two kinds of loans originating from the FBA. There's the five A and the five oh four. So you do have a five A loan outstanding with us and.

utterance: OK.

utterance: It's.

utterance: All numbers and letters to me man, I'm sorry to tell you.

utterance: Of course of course. so Mr. Thompkins how may I assist you with the loan today?

utterance: I was really just looking to get the loan balance. see how much I owed and when I'm gonna have to pay this back.

utterance: OK. .

utterance: I'm sorry I.

utterance: Haven't been keeping track.

utterance: No worries Mr. Thompkins, that why we're here to help with. we will need you to confirm your six digit loan number before we can proceed.

utterance: OK, that is seven nine three five four wait nope that's not right that I said seven nine three five that is wrong. I'm looking at a different account. I am sorry about that.

utterance: No worries.

utterance: seven nine two three eight nine is the account number.

utterance: Seven nine two three eight nine?

utterance: Yeah. and now that I'm thinking about it I think I may have given you my wife's birthday instead of mine.

utterance: That's fine could you actually then give me the right one?

utterance: Just a just a day after eleven three eighty-three, that's that's why I'm always messing them up.

utterance: Yeah. OK. Thank you so much for confirming. so we were able to successfully access your loan and I am happy to tell you that your loan balance is actually zero.

utterance: Oh! That's fantastic.

utterance: Yes, it shows that you did pay the reminder off and excuse me the reminder was forgiven because you were able to keep your you and your wife the employees of your companies on payroll for at least two consecutive months so you are forgiven for the loan.

utterance: Oh that is such good news. man, that is a relief. Well, thank you very much for making my day today. This is this is great news.

utterance: And happy to do it and you know, if could. We can assist you with anything else please don't hesitate to call us.

utterance: Thank you very much.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Meghan. How many I assist you today?

utterance: Hi. I need to apply for a loan for real estate, and I'm not sure what type type of loan that is.

utterance: All right, well, we have two different types of loans that can be associate with real estate. We have our traditional real estate loan. There is also. For small businesses, there is an SBA loan called number five oh four that can also be applied towards real estate.

utterance: That's.

utterance: The one. That's the one. I'd like to apply for the SBA five oh four loan, please.

utterance: Certainly.

utterance: I'll be glad to do that for you. And just be advised, with the SBA loan, there will be a down payment of between five to twenty percent that you'll be putting down initially. So I will be asking you about that. But just know that it. Does that sound like a loan that you'd like to apply for?

utterance: yes, please.

utterance: Very good. And who do I have the pleasure of speaking to today?

utterance: my name is Mindy Lorton.

utterance: Mindy, would you spell your last name for me?

utterance: L O R T O N.

utterance: Very good. all right, so I'm going to be asking you a series of questions so I can do this loan for you over the phone.

utterance: OK.

utterance: Loan application, all right. Mindy, you gave me your first and last name. What is your home address?

utterance: Home address is six two three one Kite Avenue, K I T E Avenue, Chicago, Illinois, nine seven three four two.

utterance: Very good. Thank you so much. And what is your social security number?

utterance: social security number is six four three two five one six seven.

utterance: Oh, thank you so

utterance: Oh.

utterance: I'm so sorry. I forgot a number. can I give it to you one more time?

utterance: Certainly.

utterance: Go ahead.

utterance: Six four three two five one six seven nine.

utterance: Thank you so much. Yes, I though one digit was missing there. Thank you. All right, and the driver's license. Your driver's license number and the state that it was issued.

utterance: That's Illinois. And that's eight seven nine seven three four.

utterance: Thank you so much. And we're going to create a four digit PIN slash security number for this application. What number would you like to use?

utterance: I'll use zero one one three.

utterance: Zero one one three. Thank you. And what is the email address that you. that is best to reach you?

utterance: Mindy Lorton at Yahoo dot mail. Or Yahoo dot com. Sorry.

utterance: Thank you, Yahoo dot com.

utterance: Uh-huh.

utterance: And Mindy Lorton is all one word?

utterance: Yes.

utterance: Thank you. Mindy, what is the name of your business?

utterance: the name of my business is Mindy Lorton Property Management.

utterance: All right. Thank you. And, Mindy, are you the sole owner of your business?

utterance: Yes, I am.

utterance: Thank you. And when was your business established, approximate month and then the year?

utterance: June of twenty seventeen.

utterance: Thank you. And what were your gross sales for last year?

utterance: one hundred thousand dollars.

utterance: Thank you. And your tax ID number, please.

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

utterance: OK, thank you. And the address where your business is located.

utterance: The address where my business is located is twenty one fifty-four Stringdale Lane.

utterance: And Stringdale is one or two words?

utterance: One word.

utterance: Thank you.

utterance: Chicago, Illinois, nine one one three two.

utterance: Thank you. And what is the purpose of your loan?

utterance: the purpose of my loan is I want to open up a property management company.

utterance: OK. And what percentage did you want to put down as a down payment?

utterance: five percent, please.

utterance: Five percent. All right, one moment. All right, Mindy, I have completed your application. I'm going to send you a link to your email. It'll. That way, you'll be able to access the completed application. And please be advised that there will be a request for documentation uploaded into our system of your driver's license. So make sure you get that in as soon as possible. The application technically is not complete until then.

utterance: OK. I also need to find out what information you need to. For me to apply for a corporate credit card, please.

utterance: the well, it'd actually be very similar information. So if you'd like, I can go ahead and do that for you right now.

utterance: yeah, all the information that you have is the same information that I would use for the corporate credit card.

utterance: Yes, yes. I'm just gonna be. And because it's a new screen and and whole new application, I'll just be inputting that into this into the system.

utterance: Right.

utterance: Can you also send me some information about the fees to have the corporate credit card, the fees involved. And how long does it take for this application to be processed?

utterance: The application for a credit card can be processed in as little as three days up to seven business days.

utterance: OK.

utterance: And was there something else you were asking me about fees?

utterance: that's OK. I think it'll be in the information that you're going to send me.

utterance: OK. Very good. And will we be applying for a platinum, gold, or a silver card today?

utterance: Platinum.

utterance: Very good. All right. And I can let you know that that that card has a hundred dollar a year annual fee.

utterance: Oh, OK.

utterance: OK, very good. All right, so let's get started there. I have your first and last name already. And your address, your home address?

utterance: Oh, it's all the information I had already given you for the real estate loan.

utterance: I understand. But because I'm in a different screen, I'm gonna need to ask you again so I .

utterance: Oh OK.

utterance: it's one one zero five Kite Drive, Chicago, Illinois, nine one seven two three.

utterance: Very good. Thank you. And social security number?

utterance: six four three two five one six seven nine.

utterance: Thank you. And I remember your driver's license was from Illinois. I just need the number again.

utterance: Mhm.

utterance: Eight seven nine seven three four two.

utterance: Thank you. And the four digit PIN?

utterance: One one zero three.

utterance: Thank you so much. Your email address?

utterance: Mindy Lorton at Yahoo dot com.

utterance: Thank you. The name of your business.

utterance: Mindy Lorton Property Management Company.

utterance: Thank you. One moment. The date your business was established, year and and month.

utterance: May of twenty seventeen.

utterance: Thank you. And again, your your gross sales from last year.

utterance: one hundred thousand dollars.

utterance: Thank you. Tax ID number.

utterance: Thank you. And business mailing address.

utterance: Is three four nine seven Stringdale Lane, Chicago, Illinois, nine one one three four.

utterance: Thank you so much. This is complete. You will get a link to your completed application. And please be advised to upload your tax ID and your driver's license number in the link provided.

utterance: Thank you.

utterance: May

utterance: I answer any other questions for you today?

utterance: No, thank you.

utterance: Thank you, and thank you for calling Intellibank. And have a good day.


utterance: Morning, this is Tom at Intellibank, how can I help you today?

utterance: Yeah, hi Tom I just wanted to see if you could help me with one of your services. What do I have to do for you do access my account?

utterance: Yeah, first thing, let me get your first name.

utterance: OK, this is Barry. B A R R Y.

utterance: Right Barry, and your last name?

utterance: Tomlinson. T O M L I N as in Nancy S as in Steve O as in Oscar N as in Nancy.

utterance: Right and your date of birth?

utterance: Date of birth is March twenty-second nineteen ninety-two.

utterance: Account number is four one zero five six three nine two two seven.

utterance: All right, great and your pin number for this account?

utterance: Yeah, my pin number is one two nine three.

utterance: Right. OK. So, Great, I got you logged on, you're on the screen here. So, how can I help you today?

utterance: yes, I was looking into getting a investment report sent to me. Kind of a something like that but I wanted to know like cuz I know I'm doing this by phone now, but are there are there other options in the future that I that I could do?

utterance: Yeah, Absolutely. So we have online banking. Have you done anything like that before?

utterance: No, go ahead and tell me about that.

utterance: OK so, there's a few options. You can download the app on your smartphone, you can also login from a computer. You first have to create an account and once you do that it's real simple. like really quick to get in on your phone. You can do added security as well.

utterance: Things like having your thumb thumb print so you can login. Would you like to do that now or would you like you know, why don't I suss out a little bit more of what you're looking for. You.

utterance: But wait a

utterance: Second so that is the website just Intellibank dot com?

utterance: Yes.

utterance: OK and then with the app is that, could I get that on any smartphone?

utterance: Yeah, basically you go to your app search and you type in Intellibank and it will come up.

utterance: download it and then you can create an account and login from there.

utterance: But is it cuz some, I have two phones and ones the iPhone and ones an android like either one it would work on the app?

utterance: Yeah, from your phone, whichever one you want to do, you can If you do it from the iPhone, it will give you the iPhone app.

utterance: Huh. OK because the other thing I'd probably want to look into at some point applying for one of your credit cards. would I be able to do that online or through the app as well?

utterance: Yes. You can, you can do it through the app or you can also once you know, you see, you get a credit card you can link it to your phone, so you can make purchases from your phone.

utterance: Right.

utterance: let's see.

utterance: Do you have some options

utterance: For that?

utterance: Yeah, we have a few different business cards. We have the Gold Silver and Platinum. If you would like information on any of those, I can send it to you by mail or if you login to your account on your phone and you create an account after you do that you can also apply for credit cards from your phone, from a computer, so there's several options there. we also have things like if your looking to make investments, we can get an investment report and that's something that you you know you can we can email it to you, we can send it mail

utterance: What Let's see so your account shows that about getting the investment report right now, right?

utterance: Right. Right.

utterance: But if you'd like sorry, the other option is let's say you take a look and then you want to you know make some plans or something you can make an appointment with an investment specialist and they can kind of go over your and assess things help you understand the report.

utterance: OK.

utterance: That's great, thanks for all the info, I just, but yeah, let's get that investment report sent to me for now. What how's that going to come to me?

utterance: can you just give me your email?

utterance: Email, yes. The email I have on file with you is Southern Charm nineteen eighty-five at Gmail dot com.

utterance: Right, that's what we have for you, so I'm gonna send that now want you to give it a few minutes and you'll need to login with the information as you did earlier but yeah, you should be all set.

utterance: Great, thank you so much for your help.

utterance: You're welcome. Take care. Bye.

utterance: Bye.