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

utterance: Hey, I got a notice in the mail about my SBA loan and I just wanna know, what is this about?

utterance: Certainly, I'll be happy to assist you with that ma'am and if I can just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: OK and Miss Richards what is your name of the business that has an account with us here?

utterance: Sally's Hair Salon.

utterance: OK.

utterance: All right, yes and I was calling because I wanted to also make sure that this payment for the loan was on time. I called the other day and spoke to Sarah. She just seems to be such a nice lady.

utterance: Absolutely happy to help you with that and you're right Sarah's one of our great co-workers here and as you would expect, she's actually on another line with another customer assisting them. busy at work as usual. So I'd be glad to help you in her place today.

utterance: OK.

utterance: And what I'm gonna need to do, Miss Richards, is just pull up some information in order to verify your account. Just for account security purposes.

utterance: That would be fine.

utterance: By the way how is your day going?

utterance: The day is going pretty good it's a little weather and you know seemed like it was a little warm. But you know like you said is the fall weather is warm in the day and it gets cool in the evenings, but I do like it.

utterance: Absolutely, absolutely. It certainly is the case where it's a beautiful time of year weather-wise. and It's mild weather, often times not really raining and the beautiful scenery with the changing of the colors with the leaves on the trees and shrubbery just makes this such a picturesque time of year.

utterance: I agree with you because you know, all of that helps, you know, make your day go a lot better.

utterance: You are correct, Miss Richards. Now again, let me just ask you a few questions so that I can verify your account. if you would just let me know, what is your date of birth at? so that I can see if we have that correct information on file.

utterance: It's eleven eleven nineteen eighty-four.

utterance: All right and what is the phone number on your account?

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

utterance: All right and what is the loan number for loan account number for your account.

utterance: All right. Can you just hold on for a second and let me get that for you.

utterance: Sure, no problem.

utterance: All right, I have it. It's nine eight four six five nine.

utterance: OK. The number we have here is nine eight four six five nine. Is that correct?

utterance: Yeah.

utterance: All right and what is your PIN number Miss Richards?

utterance: Oh, the PIN number is one zero one seven.

utterance: All right yes, I was able to go ahead and verify and confirm your account and Miss Richards, yes as I look to see if I can pull up what the communication is here on the account. Yes, I see that on your SBA loan we sent you a notice just to inform you that it appears that your account, let's see here Yeah, well it appears that on this particular account here with us your balance on the account is actually let's see here. Well, it looks like the account actually has a payment that was missed on the account.

utterance: Oh no. Yeah, I was calling because I wanted to make sure the payment that I sent got there on time for the loan. What was the date of the last payment?

utterance: great question. Yes ma'am. It appears from the records here, and that's why that we sent that notice. It appears that your last payment was received for your business on September the first and today is October the twenty-first. So it appears that the payment for last month was not received nor for this month because payments are generally due for this particular loan on the fifth of the month, meaning September fifth as well as October fifth. So that's why we went ahead and sent you a notice after the second missed payment.

utterance: OK well it's just a lot going on with the mail these days.

utterance: Absolutely, it's not a problem at all and I'll just let you know you know, what the you know, your account balance is on your account for the loan just so that you're aware. The remaining balance on the account since the payment was not received appears to be for twenty-one thousand six hundred and fifty dollars.

utterance: OK. That I can also maybe do something else about making that payment.

utterance: Yes, absolutely. I know you said that you wanted to know when your last payment was and you mentioned that you know, a lot was going on and I can understand that sometimes there's so much going on when you're a business owner that sometimes certain statements may slip through the cracks or what have you. That's why I wanted to inform you of what the balance was on the loan and you just simply wanna catch up on your payments and one of the things you can do is automate your payments so that in the middle of your busy life and your busy business, certain things that are, you know, those sort of priorities or obligations can be automated and the payment made without you having to think about it and that keeps your balance where you're paying it down and it also frees it up where when you may be in need of another loan in the future we'd be inclined to approve that loan for you.

utterance: Right, because I certainly do not want late payments.

utterance: I completely understand that. and in this case Miss Richards, because you've been such a long time customer for this, one time, you know, we'll go ahead and waive that for you the late payments on the account and keep that balance at the amount that I mentioned there of twenty one thousand dollars or so as long as the payment is made today.

utterance: OK, that'll be good. I think you for that.

utterance: No problem and if you want you can of course just transfer the funds from your business total account to make the payment on your SBA loan account with us or you can of course go online, or you can just authorize me here and now to transfer the funds from your business total account to cover those two payments on your SBA loan. Whatever you choose I can do it for you here now or you can go online, it's completely your option.

utterance: You can go ahead and do it now.

utterance: OK. I've gone ahead and let me pull it up here and yes ma'am. I've gone ahead and applied those two payments and those payments, as you know, are five hundred dollars each so that brought the balance down to twenty thousand dollars.

utterance: OK, great.

utterance: is there any other questions that you may have, Miss Richards?

utterance: No.

utterance: OK, well if that is all, we certainly do appreciate you giving us a call here at Intellibank and you have a terrific day.

utterance: You as well.

utterance: Bye bye.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hello. I need a copy of my loan statement. Either electronically or by mail.

utterance: Sure. I can help you with that. Can I get your first name please?

utterance: OK. How you doing today?

utterance: I'm doing pretty good. How about yourself sir?

utterance: Good good. What's your name again?

utterance: Lori.

utterance: Oh OK and where are you calling from?

utterance: this I where am I located? I'm in Maine.

utterance: OK. How's the weather in Maine?

utterance: it's a little chilly sir. How about yourself?

utterance: Oh OK. Yeah it's cooling down over here as well.

utterance: Yeah? Where are you calling from?

utterance: That

utterance: Time of the year. We're here in Florida.

utterance: Oh, nice.

utterance: Yeah, temperatures dropped a little bit. my name's Alexander Lopez.

utterance: Thank you, sir. And your date of birth, please?

utterance: My birthday is six six sixty-two.

utterance: And your loan account number?

utterance: Can you hang on?

utterance: Absolutely sir.

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

utterance: That was eight six one five three zero nine two seven one?

utterance: Yes.

utterance: Thank you sir. And what is your preferred delivery method? by mail or by email?

utterance: email please. At A Lopez two two at Gmail dot com.

utterance: That was A Lopez twenty-two at Gmail dot com sir?

utterance: Yes.

utterance: Very good. Thank you very much. let's see here.

utterance: Do you want my PIN number?

utterance: sure I'll take your PIN number.

utterance: OK. Six two six two.

utterance: Six two six two. OK yes that is correct sir thank you.

utterance: You're welcome.

utterance: All right hold on one second whilst my systems updating OK?

utterance: Yes.

utterance: All right. Sir. So I'm showing here that your loan statement is available as of now. You should be in your email. You can go ahead and check it while we're on the phone or after we hang up. also I did wanna let you know that we do offer online banking. And at any time you are able to log into your account and print off those statements on your own.

utterance: Oh. Thank you.

utterance: would you like me to give you instructions on how to how to do that sir?

utterance: Sure.

utterance: Sure you just go to WWW dot Intellibank dot com. and look up our online features and it'll walk you right through it.

utterance: OK. Thank you. Thank you so much.

utterance: Oh you're very welcome sir, you have a great day.

utterance: OK you too.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Alysha.

utterance: How may I help you today?

utterance: Hi Alysha. How are you today?

utterance: Oh, I'm doing just great. Thank you so much for asking?

utterance: What can I do for you today?

utterance: I need to get some information on the consumer price index for certain inventory that I'm thinking of of selling.

utterance: I'll there I'll do my best for you. I'm happy to assist you anyway I can.

utterance: And also know that we have a specialty department where I can transfer you if I do not answer all your questions.

utterance: OK.

utterance: But let me see what I can do for you today.

utterance: And who do I have the pleasure of speaking to?

utterance: my name is Doris. My last name is Lessinger.

utterance: L E S S I N G E R?

utterance: Correct.

utterance: And you are currently an Intellibank customer?

utterance: yes. I'm currently an Intel customer.

utterance: OK.

utterance: We we are called Intellibank. Just making sure you're calling the right place.

utterance: Oh, yes I I'm sorry.

utterance: No problem. It it's it's a common error. Just wanna make sure that I'm providing you with all the right information.

utterance: Yes.

utterance: And just to pull you up in the system and just for verification purposes may I please have your date of birth?

utterance: My date of birth is two twenty-one nineteen fifty-six.

utterance: Thank you so much. And the four digit PIN that's associated with your accounts here?

utterance: Four nine one one.

utterance: Thank you so much. And for security purposes, what is the name of your childhood dog?

utterance: Sorry. I have to think about that for a second. It's been a long time.

utterance: That's OK. We you have two other security questions in there.

utterance: The name of your your mother's maiden name. Pardon me.

utterance: my mother's maiden name is Greenberg.

utterance: Great. Thank you. That's all that I need.

utterance: This helps me pull up your information and I see that you do carry a credit card. You have a checking account, savings account, as well as a wealth management account. So thank you so much for your loyal patronage.

utterance: All right then. And you'd like to address the consumer goods?

utterance: yes. I own a shoe store and currently all my shoes are vegan.

utterance: But I'm looking to expand into leather goods and I'd like to know what the consumer price index was for the last two quarters in the United States.

utterance: All right. And what vegan shoes are shoes that are not made of any animal products?

utterance: That's correct.

utterance: So shoes are made from animal products?

utterance: Well, I already have a vegan shoe store that are not made from animal products but I'm going to expand and start selling shoes that are made from animal products as well.

utterance: Interesting. A whole new world that I'm not familiar with. OK.

utterance: So all right. So we're you're looking to find out for the past two quarters the the consumer price index OK?

utterance: The consumer

utterance: Price index of leather goods in the United States.

utterance: I see. So when you have vegan shoes they're not made from leather.

utterance: Correct.

utterance: Got it. So you we're gonna looking specifically at leather goods.

utterance: Yes. I'm curious into not only how they are manufactured but the total cost in terms of the different replications that they have to go through in order to become shoes.

utterance: Understand.

utterance: And let me just ask you, are we specifically looking at leather shoes or would this also include purse and wallets as well?

utterance: yes. This would also include purses and wallets.

utterance: All right. Give me one moment to check into the system here. And what is the name of your business?

utterance: OK.

utterance: name of my business is Hope Diamond Shoe Company.

utterance: Wonderful name for a company. I definitely wanna shop there.

utterance: Yes. Well my grandparents were jewelers and so I took their I kind of named it after them.

utterance: Oh.

utterance: OK. And what you said you wanted to look at for the past two quarters?

utterance: yeah. So that would be. what month are we in now?

utterance: We're in October, almost to November.

utterance: So that would be

utterance: That's OK.

utterance: I can figure it out here.

utterance: Oh.

utterance: OK.

utterance: And I'm pulling this information up online and while we're always happy to help you over the phone anytime also wanted to let you know this information is available online for you as well since you are an Intellibank customer.

utterance: Oh, yes. That was gonna be my next question if I can access this information online.

utterance: Absolutely. OK. I here I have the information.

utterance: It looks that that current rate is four percent.

utterance: OK. Could you email that to me please?

utterance: Absolutely. I see your email here. I just sent that off to you.

utterance: Do you have any other questions or is there anything else I can do for you today?

utterance: no. You've been very helpful. Thank you.

utterance: Thank you for calling Intellibank, Doris. And have a good night.

utterance: Bye bye.

utterance: Bye bye.


utterance: Good evening My name is Ruth and I will be assisting you tonight. Thank you for calling Intellibank. Excuse me Intellibank pardon me. How may I help you?

utterance: Ruth, it's been a long day for you huh? You don't even remember where you work.

utterance: My my tongue got twisted as I was trying to say the word.

utterance: OK. Well, I hope it doesn't get twisted on this. trying to get some information on my company's debt to income ratio.

utterance: I hope.

utterance: OK.

utterance: Because what I'm looking to do is possibly apply for a corporate credit card either with Intellibank or elsewhere but I wanted to see what my my debt to income ratio is, did that.

utterance: OK.

utterance: Pretty simple to do. Won't take us too long at all. May I get your first and last name?

utterance: My name is Jalen Ramsey.

utterance: Jalen J. Can you spell that for me?

utterance: J A L E N. Ramsey R A M S E Y.

utterance: Got it OK. Jalen I love that name.

utterance: Thank you.

utterance: All right and may I get the four digit PIN associated with your accounts with us?

utterance: Yes, it's two one zero seven.

utterance: Two on zero seven. OK, Terrific and can you please verify your date of birth?

utterance: My birthday is four twelve nineteen seventy-five.

utterance: Great Ok great. What I'm seeing here are all your accounts, your payment history, and your debts so let me just plug some numbers here. for what time frame would you like me to check?

utterance: If you can go back four quarters that would be great.

utterance: OK. Great.

utterance: And I can

utterance: See.

utterance: Do you want me do you want me to report it quarter by quarter? Or would you like an average of the four quarters?

utterance: Quarter by quarter

utterance: quarter by quarter that way I can see if there's progress or not.

utterance: OK.

utterance: All right.

utterance: All right so for the first quarter, I see your debt to income ratio was coming in at twenty-six percent.

utterance: That's a lot.

utterance: For the second quarter, it dropped to twenty-four percent.

utterance: OK.

utterance: Yeah, actually you're on a great trend here. On the third quarter, it dropped to twenty-one percent. By the way, these numbers are all considered in the X in the good range but your fourth quarter which just closed on the thirty-first of last month came in at nineteen percent which is in the excellent range. So.

utterance: Doing better.

utterance: Yeah and actually because you have been consistently dropping it is actually a really good time to apply for a loan, a credit card and if you're interested in doing that I can even do that with you over the phone.

utterance: Oh, we can do the credit card application now?

utterance: Yeah, Absolutely.

utterance: OK let's let's push forward that and see.

utterance: OK and I see here that you know as a business owner you're eligible for our corporate credit card. We have our business gold card and our business silver card. Basic difference is the gold card offers you rewards. There's no annual fee for either.

utterance: let's go for the gold. Let's do gold.

utterance: OK.

utterance: Great. All right. So we'll do this under your name Jalen Ramsey.

utterance: Yes.

utterance: OK and what is the address for your business?

utterance: My address is two seven eight nine Oak Court Los Angeles California nine zero zero zero eight.

utterance: OK and is your mailing address the same?

utterance: Yes, those would be the same addresses.

utterance: Social Security number.

utterance: Nine four six eight nine seven four two nine five.

utterance: OK. Your driver's license number.

utterance: It's a California driver's license. Six two six three two three eight one eight one.

utterance: All right your email address.

utterance: It is J Ram at Gmail dot com.

utterance: All right and what were your gross annual sales for last year?

utterance: The one hundred and twenty-three thousand.

utterance: OK. Are you the sole owner of the business?

utterance: As far as I know yes.

utterance: OK.

utterance: My name is the only one on the paperwork.

utterance: All right and what is your tax ID number?

utterance: Tax ID number is going to be four zero five eight four two four eight one three.

utterance: OK. and I'm just running the number through for you.

utterance: OK.

utterance: Well, congratulations you've actually been approved on the spot. Doesn't happen all the time. Sometimes you have to wait seven business days.

utterance: Must be my lucky day.

utterance: Yeah, I just sent you an email with a confirmation. And your congratulatory email. It will also show you your credit limit in that email and the card will be mailed out to you within seven business days. To the business email address.

utterance: OK sounds great.

utterance: Yeah, that wonderful Mr. Ramsey. Is there anything else I can do for your this evening?

utterance: Oh no, you've been a great help.

utterance: Well, thank you for calling Intellibank, and have a great night.

utterance: Thank you.


utterance: Hi, thank you for calling Intellibank. This is Rose speaking, and how may I assist you today?

utterance: Hey Rose, how are you doing today?

utterance: I'm doing quite well ma'am, thank you so much for asking. And how about yourself?

utterance: Well I'm doing great, thank you. this is the owner over at Allied City Stores. my office manager is out on vacation this week so I am getting to do this for her pretty much. What I need to do is transfer some money from our savings account over into our checking account that we use for payroll. I guess that's called an internal transfer?

utterance: Yes ma'am it absolutely is, and I'd be more than happy to help you with that today. let's see. I do need to get some information from you so I can go ahead and pull up those accounts for you, OK?

utterance: OK yeah! Great. What info do you need?

utterance: May I have your full name please, ma'am?

utterance: Sure! My first name is Luanne, L U A N N E, and my last name is Roddy, R O D D Y.

utterance: Thank you so much, Ms. Roddy. And may I have your date of birth, please?

utterance: sure! My birthday is September the twenty-first, nineteen seventy-five.

utterance: Thank you so much, Ms. Roddy. And may I also have your phone number please.

utterance: yeah, absolutely. Well actually about that, we had our main number changed pretty recently and that's something I'm not sure if our office manager had time to do. Well, I don't know if she had time to call you guys and inform you about that? So I'm gonna go ahead and give you our old number as well as our new number just in case she didn't. Our old number was area code three five two, two six six, eight six four two. And our new number is five six one, four five eight, nine three eight six.

utterance: Thank you so much, Ms. Roddy. And it looks like she did get the chance to call and have this changed. I do, just for clarification, I do have your new phone number on file which was the area code five six one, four five eight, nine three eight six. That is the correct one, right?

utterance: Oh, yeah, yeah! It sure is. I know I kept that girl around for a reason. Oh, I just kidding. She's wonderful. We've had her here for the past somewhere around eight years and I wouldn't trade her in for the world.

utterance: Oh, that's wonderful to hear Ms. Roddy. I'm so glad that you have employees like that.

utterance: Oh yeah! Believe me, me too. Before her, we went through about three within the span of maybe two months. So finding her was an absolute blessing.

utterance: Oh yes ma'am, I sure bet it was and I'm so glad once again that you were able to find her. OK, now just one more piece of information before I'm able to help you out with this internal transfer. May I have your PIN number please?

utterance: Oh, my! Oh, my PIN number! I'm so sorry. Like I told you, she is the one that usually calls up here and I have all the information here in front of me. I have the account numbers, all the numbers that we need to move, but I'm sorry, I completely forgot about the PIN number. Would you mind hanging on for just one second while I run and grab that information out of her office?

utterance: That's not a problem whatsoever Ms. Roddy. Just let me know when you're back.

utterance: OK, great! Thank you Rose. Just one second.

utterance: OK! I'm back. Rose, you still there?

utterance: Yes ma'am, I sure am Ms. Roddy. Were you able to find the PIN number?

utterance: yeah, sure was. It is seven oh three, fifty-four, six thirty-one.

utterance: Thank you. I have seven zero three, five four, six three one. Was that correct?

utterance: Yes ma'am, it sure is.

utterance: Thank you very much. Now, may I have the account number that you would like to withdraw the money from, I believe you said that was your savings?

utterance: Yeah, yeah. It is the savings, and that account number is eight six zero, six four six, nine five nine nine.

utterance: Thank you. I have eight six zero, six four six, nine five nine nine. Was that correct?

utterance: Yes, ma'am! And the account number I need the money deposited into for our payroll checking is nine four one, one two eight, seven nine six four.

utterance: Thank you so much, Ms. Roddy. I have nine four one, one two eight, seven nine six four. Was that correct?

utterance: Yes ma'am, it sure is!

utterance: Thank you. And how much would you like to transfer?

utterance: let's see. We need to transfer eighteen thousand, two hundred eighteen dollars and fifty-one cents.

utterance: That was eighteen thousand, two hundred eighteen dollars and fifty-one cents?

utterance: yes ma'am Rose, that's correct.

utterance: Thank you so much. Just one moment.

utterance: OK, I do have that transferred over for you Ms. Roddy. Was there anything else I could assist you with today?

utterance: no ma'am Rose, that was it. You've been very helpful, thank you so much!

utterance: And thank you so much Ms. Roddy for calling Intellibank, and have a wonderful day.


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

utterance: So is this Telecom bank incorporated.

utterance: This is Intellibank.

utterance: OK. I think I was trying to call Intellibank incorporated. I may have the wrong bank. Do you think you could see if I, I actually do have an account there?

utterance: yeah, absolutely.

utterance: I can do that by getting your full first and last name.

utterance: so the first name is Ricardo or could be Richie, sometimes I go by Richie. I can start with Ricardo, R I C A R D O for the first name. last name is Kelly, K E L L Y or could be Richie, R I C H I E.

utterance: All right. I'm also gonna need your date of birth.

utterance: My date of birth is eleven eleven seventy-six.

utterance: And if you had an account here. What would that account number be.

utterance: is it gonna be a six digit number? OK, perfect. Yeah, I do have a six digit number here.

utterance: Yes.

utterance: it looks like it's nine seven two one two four.

utterance: And your four digit PIN?

utterance: let's see.

utterance: I have eight two nine nine.

utterance: All right, great news. you do have an account here and I have your account all pulled up.

utterance: OK, perfect. I was looking to get an automatic billing set up.

utterance: that I, for for project that I have coming up.

utterance: OK, we can handle that.

utterance: let's start by getting the name of the person we're billing.

utterance: All right, so the name I have here is Hannah, H A N N A H. Last name is Parker, P A R K E R.

utterance: And what is their email address?

utterance: let me go ahead and see if I can locate that. I have a few email addresses for her. Le me see if she prefer the work email or the personal email. Do you mind if I put you on a brief hold?

utterance: Oh, absolutely.

utterance: All right. Thank you.

utterance: All right, it looks like she would prefer her personal email. So I have that one already.

utterance: I am ready.

utterance: so it's gonna be first name dot last name, so Hannah dot Parker it's gonna be at Gmail dot com.

utterance: All right.

utterance: And what is her account number?

utterance: the account number for Hannah. that's gonna be eight seven five nine six two.

utterance: OK. And what is the nine digit routing number?

utterance: Let's see.

utterance: Let me just look through my paperwork.

utterance: it's looks like that number is gonna be two eight seven seven nine nine one three one.

utterance: OK.

utterance: All right.

utterance: I have this all set for you. Is there anything else I can do for you today?

utterance: No, I just wanted to bill her two thousand per month.

utterance: Great. That is done.

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

utterance: Thank you. You as well.


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

utterance: Yes, sir, I would like to check the balance on my loan.

utterance: Certainly, I'll be happy to help you with that ma'am and if you would if I could just ask what your name is?

utterance: My name is Evelyn Richards.

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

utterance: Sally's Hair Salon.

utterance: OK, terrific. Ms. Richards, I appreciate that, I'll just need to ask a few questions in order to pull up your account and to verify your account with us, is that all right?

utterance: Yeah, that's all right and I'd I'll also like to know what's the available balance on my card business card.

utterance: Absolutely, happy to help you with that as well. If you would ma'am let me just ask, what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: and what is your phone number for your business?

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

utterance: Thank you for that and ma'am, if you would just let me know what is the account number for your loan with us?

utterance: OK, it is nine eight four six five nine

utterance: Terrific terrific. yes, ma'am and one other question if you would, what is your PIN number?

utterance: One zero one seven.

utterance: All right, one zero one seven is the PIN number?

utterance: Yes.

utterance: OK, and Ms. Richards, it appears that the let me see if I can pull this up here for you, so I can get you this information and how's your day going by the way?

utterance: my day is going well I've gotten quite a bit of little things that I had needed to be done, done and I've just feel better. So yep, It's going pretty good.

utterance: Well, terrific. I of course hope you, of course, are feeling better and I'm I'm certainly happy that you know, you are things are going pretty good so far for you.

utterance: Thank you.

utterance: It appears ma'am as I've pulled up your account, that the available your balance on your account appears to be seventeen thousand six hundred and fifty-three dollars. and twenty-eight cents.

utterance: OK, I want to repeat that.

utterance: Sure.

utterance: OK, seventeen thousand, six hundred fifty-three dollars and twenty-eight cent?

utterance: Yes ma'am.

utterance: All right, OK.

utterance: And your next payment on that is due for November the eighteenth, for that particular loan.

utterance: All right, that's coming up pretty soon.

utterance: Yes ma'am, yes ma'am and let me also go ahead if you can, I see that you also wanted to know about the balance or available credit it was on your business card?

utterance: I would if you don't mind.

utterance: Yes, ma'am, I see that your business card, if you would just give me you have a silver card account with us, if you would give me the credit card number for your silver card?

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

utterance: OK, terrific. That's four four seven nine six five three two seven four four six three nine two six, is that correct?

utterance: Yes.

utterance: And yes ma'am, Ms. Richards, it appears that the credit limit on this on your silver card is twenty thousand dollars and the balance on your business silver card is seven thousand two hundred ninety-four dollars and sixteen cents.

utterance: OK, very good, I'm liking that balance.

utterance: Yes ma'am, looks like you're keeping it you know less than half of what your available limit is there at seventy-two ninety-four sixteen.

utterance: Oh yeah, that's the plan.

utterance: Well, is there anything else of course that I can assist you with?

utterance: No, nothing else for today.

utterance: Terrific, and just by the way so that you know Ms. Richards you also have the ability to go online to check your account information with us. Do you have online access with us?

utterance: Yes.

utterance: OK, if you do just so that you know, you can simply visit our website enter in your account information and as you do that you can of course check your account balance you can make transfers, make payments, see when your next payment due date is as well as of course, update your account information with this as well. These are offers we make available to you because we wanted to be as convenient as possible for you our important customer and even when we are unavailable here at the helpline you can always go online twenty-four seven, three hundred and sixty-five days a year, holidays, weekends no matter even if we're not available on the phone.

utterance: I'd really like that, I I I am gonna start maybe getting online a lot more.

utterance: Absolutely, but make no mistake if you still want to give us a call we are more than happy to talk with you. Our hours of the helpline here are seven a.m. to eight p.m. Monday through Friday and on weekends from eight a.m. to twelve noon.

utterance: OK, thank you and don't worry I will always call

utterance: Well if that's all, we certainly of course do appreciate you giving us a call is there anything else?

utterance: No.

utterance: Again, thank you for calling us here at Intellibank and we certainly value your business.

utterance: And thank you very much, yeah have a good day.

utterance: You as well.

utterance: Bye bye now.

utterance: Bye.


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

utterance: Hey, how are how you doing, Jerry? I've got a business credit card account with you all and I need to add another card for an employee I that just got promoted and could you help me with that?

utterance: Sure. Be happy to assist you with that. I'll just need to pull up your account information. First of all, what's your first and last name?

utterance: Benjamin Freeman.

utterance: OK. Thank you for that Mr. Freeman. And, what is the name of the business that has an account with us?

utterance: Ray's Construction Company.

utterance: All right. Thank you for that Mr. Freeman with Ray's Construction Company. Now, I'm gonna ask a few questions for account verification purposes, and we do that, obviously, because we do take account security very seriously and it's for you and your businesses protection. first, Mr. Freeman, what is your date of birth?

utterance: October twenty-sixth nineteen seventy.

utterance: Thank you for that, and Mr. Freeman, what is your phone number?

utterance: Oh, my phone number is seven seven zero two two zero five eight five nine.

utterance: All right, and Mr. Freeman, what is your credit card number?

utterance: Well, that credit card number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: All right. Thank you for that, and what is the PIN number on your account?

utterance: It's zero seven. OK, let me get that number right. that number is one seven nine five.

utterance: All right. Thank you for that Mr. Freeman, and I was able to go ahead and verify the account, for your business platinum card, and you mentioned that you wanted to go ahead and add an additional employees and get them a new card for the account. Correct?

utterance: That's correct.

utterance: OK. I'll be glad to assist you with that. Let me see if I can get this pulled up for here for you.

utterance: Oh.

utterance: Oh yeah, that's good. Yeah, well, this this employee, he's been with me a while and he prove himself, so and I told him I was gonna get it for him, you know. And I'm in that process now.

utterance: OK. that's terrific to hear. you mentioned that you said that he was recently promoted, is that right?

utterance: That's correct. Yeah, he done pretty good. He's able he's pretty charismatic with with people. He know how to talk to with different aptness people, and he do good, so feel I've got to give him a chance.

utterance: All right, well good. that's congratulations to him. I'm sure he's excited about the opportunity.

utterance: Oh yeah, he is. He is. He's got to continue prove himself though.

utterance: Well, and of course, with that in mind, let me just ask what is his name?

utterance: Oh, his name is David Mitchel.

utterance: And, what is Mr. Mitchell's social security number?

utterance: OK. all this with me. His social security number is three is is is is two three five zero six eight two six eight.

utterance: And what is his date of birth?

utterance: seven nine nineteen ninety.

utterance: All right. And, what is the credit limit that you wish to set for Mr. Mitchel?

utterance: I'll say ten thousand dollar limit.

utterance: OK, and what is his email address?

utterance: His email address is David Mitchel at Ray's Construction dot come.

utterance: All right, and, by the way, what is your email address?

utterance: Mine is B Freeman at Ray's Construction dot com.

utterance: All right. Thank you for that. And, what's the address that you want to have the card shipped to?

utterance: Oh, I want you to ship that card to three six eight eight Landman's Court, Smyrner, Georgia, three zero zero eight zero.

utterance: OK. Thank you there and let me just verify that just to ensure that we have the correct shipping address for the card. If you would repeat the address again?

utterance: Thank you, Mr. Freeman. we'll get that shipped out to him and this is for an additional card for David Mitchel, with a credit limit of ten thousand dollars. Is that correct?

utterance: That's correct.

utterance: All right. Thank you. And, we've gotten this all confirmed, Mr. Freeman, and of course if that is all, is there. Oh, yes. One other one other thing, Mr. Mr. Mr. Freeman, what is the PIN number for this account that you wanna set up for Mr. Mitchel.

utterance: let's do one seven zero nine.

utterance: One seven zero nine.

utterance: Yeah, . Yeah, we do that.

utterance: Thank you for that, and all right, yes. We've gotten the PIN number set up for Mr. Mitchel and again let me just review and ensure we have everything on our end here that we need. And, I think, Mr. Freeman, we're just about done. One other thing I'll ask is do you have his driver's license number?

utterance: Yeah, I've got it. His driver's license number is zero nine two five nine eight two two.

utterance: And, what is the state of that?

utterance: The state of Georgia.

utterance: Thank you. OK. And, I think we've gotten everything completed now on our end, Mr. Freeman, and of course we'll get that sent out to him in a couple of days. you'll should receive that in the mail.

utterance: Thank you. I appreciate that.

utterance: Is there anything else I can assist you with?

utterance: That'll be all.

utterance: All right. Well, we certainly appreciate you giving us a call today and you have a terrific rest of your day.

utterance: thank you. Bye bye.

utterance: Thank you.


utterance: Intellibank, this is Riley. How can I help you?

utterance: Hey, Riley, how are you doing this evening?

utterance: I am doing very well this evening. How about yourself, sir?

utterance: I'm doing good. well OK so I'm, I'm doing good but you know it's hard to believe that it's almost the end of the year already. So this time of the year not only do I get a little nutso because of the holidays, I'm thinking you know, right around the corner and over the horizon it's tax time.

utterance: Mm.

utterance: And as a business owner it's very stressful.

utterance: Mhm.

utterance: So me and a friend of mine were talking last night and they were like, you know, call your financial institution that you deal with. Maybe they can recommend an idea for you to, to help you with tax time.

utterance: Absolutely we can. We have some of the best tax specialists in the country. at all of our locations throughout the country ready to help, you know like so a tax specialist is usually an accountant or a lawyer.

utterance: OK.

utterance: And they specialize in helping individuals and organizations you know prepare and file tax returns.

utterance: But then they can also, you know, if you're gonna get a, any money back. They can help you, you know, figure out if you want to invest that, how to invest that. There's many different things they can do. I would love to set you up with an appointment. If that's something you want to move forward with, I can help you with that right now.

utterance: Yeah that would be amazing but are they like starting to do appointments now, or is it gonna be, you know, early next year or?

utterance: Yes.

utterance: They are absolutely doing appointments right now. It's never too early.

utterance: Oh.

utterance: For taxes.

utterance: So believe me, I know. Like I, you know. I, I've already started slowly getting the, my month situation broken down and ready and yeah, it, it's it's an overwhelming task, so to say and now I realize why I never wanted to become an accountant.

utterance: Yeah.

utterance: Mm.

utterance: Yeah you have to really love numbers to be an accountant.

utterance: Numbers and and a lot of just you know, rules and regulations and, and know how on how to correctly do it.

utterance: Mm.

utterance: Right. And also help the person or the company get the benefits because a lot of times. The, the great thing about a tax specialist is that they really can help you save money and actually like some people don't think they are gonna get a return but in reality the tax specialist will tell you like oh you could write this off, you could write that off and then wind up getting money back instead of owing.

utterance: Right.

utterance: Right.

utterance: Yeah cuz they're, they're they're I mean you know, they, they and they change the rules every year or they add rules or take rules away and they're the ones you know, the, the normal person like you or me.

utterance: Mhm.

utterance: Won't keep up to date with those rules and we don't know where to find those new rules and we don't pay attention to it and those tax specialists are the ones that truly know, not only know but understand what they are.

utterance: Right. Exactly.

utterance: So please. Please, please, please introduce me and, and yes.

utterance: All right.

utterance: need an

utterance: Appointment set up. How do I do that?

utterance: All

utterance: Right. Well, first of all, what's your name?

utterance: my name is Steve.

utterance: OK.

utterance: Simpson.

utterance: OK. Is that S I M P son?

utterance: Yes it is.

utterance: OK. and would you what, what appointment date were you looking at? Do you know what date you

utterance: I'm trying to think probably end of the week. I mean we can do in a week or two. whenever is, you know, it's not like a dire rush right now but maybe right, right right before or after Thanksgiving.

utterance: OK.

utterance: OK so maybe like the sixteenth. Do you wanna do that or the the eighteenth? What are you saying? The eighteenth. OK. So November eighteenth you're looking for. And before I ask you a time, what type of meeting would you like? Do you want in-person? Do you want a Zoom? Do you a just a phone call?

utterance: Let's do the eighteenth.

utterance: you know what, probably at this point, a Zoom.

utterance: OK.

utterance: To get things started a going.

utterance: OK. No problem. That would be great because then you can you can choose from anyone in the country.

utterance: Would be great.

utterance: Right. Right.

utterance: You know, like

utterance: If there's somebody that you like. Like what I'll do is I'll. I'm gonna send you over the calendar for all the tax specialists. And you'll go into our portal and pick your time then you'll, you'll get the Zoom link. You know, it'll be emailed to you and your code, your Zoom code.

utterance: OK.

utterance: OK.

utterance: And you'll be good to go so let me just send you a sheet that has. So you want November eighteenth and what time period would you say?

utterance: Ten, eleven a.m.?

utterance: OK and is that eastern, central, what?

utterance: central.

utterance: OK so ten or eleven a.m. central. OK. All right so what is, what is your email?

utterance: It's S Simpson seventy-one.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK and is that a capital S?

utterance: Yes it is.

utterance: All right so I sent you over that link. Just follow the instructions. You'll be. It's very easy, you'll just set up your appointment.

utterance: OK.

utterance: You'll get a confirmation like I said.

utterance: OK.

utterance: But if you have any questions, please call us back. We're always here to help. Our customer service is open until eight p.m.. So and that's eastern, eight p.m. eastern.

utterance: OK.

utterance: And Mr. Simpson, is there anything else I can help you with while I have you on the line?

utterance: I think that's everything.

utterance: Earl thank you so much for being a part of Intellibank and we'll look forward to meeting with you.

utterance: Absolutely, you too.

utterance: Bye bye.

utterance: Bye.


utterance: Good morning, thank you for calling Intellibank, my name is Meghan and I will be assisting you today.

utterance: Hey, how's it going Meghan?

utterance: Pretty good, how about you?

utterance: so far it's been a good day.

utterance: Great. Well, what can I do for you today?

utterance: Right, so I've decided to get a partner for my business and I was hoping to add someone to my account and also update the phone number.

utterance: OK and I'm sorry, I couldn't quite understand you, you said that you got a partner?

utterance: Yes, I did.

utterance: OK, great. OK, so then you wanna, I got it now.

utterance: I'd like to add.

utterance: Them to my business account.

utterance: Got.

utterance: Got it now. OK, now perfect. OK so, let me just pull up your information first. may I have your first and last name?

utterance: Sure thing my name is Beau.

utterance: B O or B E

utterance: It's

utterance: B E A U.

utterance: OK.

utterance: Macaffe. M A C C A F F E.

utterance: OK, great and Beau may I have your four digit PIN number?

utterance: Four digit PIN?

utterance: Sure thing it's Three one two and I'm guessing your also going to want

utterance: Oh I'm sorry.

utterance: My.

utterance: Phone number?

utterance: Three one two, I'm short one number.

utterance: Three one two three.

utterance: Three one two three, OK great.

utterance: All right and the only other thing I need is your date of birth.

utterance: OK it is August sixteenth nineteen ninety-three.

utterance: Very good.

utterance: OK, great all your information is pulling up so I can do these updates.

utterance: You said you wanted to do a new user and did I hear new phone number?

utterance: new user, new phone number.

utterance: OK great, let me do the phone number first I'll take out the old one that I see.

utterance: Yeah, and my new number is eight one three three two three.

utterance: Eight.

utterance: I'm sorry I'm can you go a little slower for me?

utterance: That's all right.

utterance: Jumping the.

utterance: Gun.

utterance: That's OK.

utterance: Eight one three.

utterance: Three two three.

utterance: Three two three.

utterance: Eight one four seven.

utterance: Eight one four seven. Thanks I just wanted to get the right one for ya.

utterance: OK great, I see that you have your checking with us, you have your Business Gold Card as well as your Intellibank Smart Savings.

utterance: Shall I change the number for all three accounts?

utterance: All three accounts. Thank you.

utterance: Great. Your going to hear about fifteen to twenty seconds of silence, I will be removing these old number oh but I'm just checking, do we want that as a secondary number or do we want just to remove?

utterance: No it's fine, let's just make that, just delete it.

utterance: OK, one moment please.

utterance: OK, I'm back, so I deleted the old number and now all three accounts have eight one three.

utterance: Thank you.

utterance: Three.

utterance: Two three eight one four seven.

utterance: Are you going to need the date of birth of my business partner or~

utterance: Yeah, I'm actually going to need a variety of information for the partner.

utterance: OK.

utterance: so I'm just opening that up and let me just ask you, for the business partner, do you want him or her on all three accounts?

utterance: Mm?

utterance: Yes please full access.

utterance: Oh.

utterance: Great. All right let's start with the person's name.

utterance: OK. Terrence.

utterance: Terrence.

utterance: Simon.

utterance: Simon, OK, one moment. OK, great and will it be the same business address for this person as a contact?

utterance: Yes, it will be.

utterance: OK, so we'll use that as the mailing address as well.

utterance: And.

utterance: Yes, please.

utterance: OK and Terrence's social security number?

utterance: Terrence, yeah it's eight one three five zero eight one two five.

utterance: OK, and then I will need his driver's license number and the state it was issued from?

utterance: All right, this one's New Jersey. It's D seven five four nine two.

utterance: OK, great and then his date of birth?

utterance: September twenty-first, twenty-first, nineteen eighty-seven.

utterance: OK, and then just two more bits of info. I will need his email address.

utterance: Mm.

utterance: OK. Just his name then a eighty-seven at the of it.

utterance: OK Terrence Simon eighty-seven.

utterance: Yes at Aol dot com.

utterance: At Aol dot com oh you don't that one very often OK.

utterance: Aol is going strong I've got a, love Aol.

utterance: Great. OK and then he will have his own personal PIN number, what number would he like to use? It should be four digits.

utterance: Yes.

utterance: Hide it. It's gonna be five one five two.

utterance: OK, five one five two.

utterance: Perfect. OK, so just so you know, this change is effective immediately. He can access this now at any time. and I did just send an email confirmation to you for this these changes.

utterance: All right, fantastic. Thank you so much.

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

utterance: I think.

utterance: That outta do it.

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

utterance: Yeah, you do the same.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank. This is William, how may I help you today?

utterance: Hello, William.

utterance: Hi. How's your day going?

utterance: pretty good. How's yours, William?

utterance: Oh, very good. And who am I speaking with today?

utterance: Yeah.

utterance: Pann.

utterance: And how can I help you today?

utterance: Can you please call me Miss Pann?

utterance: I can totally call you Miss Pann.

utterance: Thank you.

utterance: Miss Pann, how may I help you today?

utterance: Thank you, I just, I'm looking for some. A line of credit, perhaps.

utterance: That won't be a problem.

utterance: OK.

utterance: would you like to apply for a line of credit over the phone with me today?

utterance: Is that my only option?

utterance: no. You could also go online to Intellibank dot com if you'd like.

utterance: I'll I'll I choose the first option.

utterance: OK. Then I. We just need to get started by getting your full first and last name.

utterance: So, my first name is Pann, P A N N. And my last name is Tease, T E A S E E.

utterance: And I'm gonna need your date of birth.

utterance: And that would be April third nineteen seventy.

utterance: I'm gonna need your social security number and your driver's license number.

utterance: Six two zero four one two two three zero. D nine one eight seven four two six.

utterance: And your driver's license number.

utterance: Mhm, D nine one eight seven four two six.

utterance: Oh, sorry about that. I thought that was all the all the same, sorry.

utterance: Mhm.

utterance: And I need the name of your business?

utterance: Oogies.

utterance: And the year that your business was established?

utterance: Two thousand and twelve.

utterance: And, how much are you looking for?

utterance: For this loan?

utterance: How bout seven hundred thousand dollars?

utterance: You know, unfortunately, we only offer loans up to a hundred thousand dollars.

utterance: Oh.

utterance: will a hundred thousand dollars be enough today?

utterance: let. I need to do a little bit of quick math, while I have you here.

utterance: Sure, would you like me to put you on hold?

utterance: No. Can you just gimme gimme about thirty more seconds?

utterance: Oh, absolutely. Take your time. I'll be here whenever you're ready.

utterance: So, OK.

utterance: So, OK. I don't know that that's going to work. Are there any other options for me?

utterance: Well, we could also apply for a business credit card for you.

utterance: So your loan option we can get you applied for a loan of up to a hundred thousand dollars and then a possibly a line of credit for a hundred thousand dollars, as well.

utterance: OK.

utterance: All right.

utterance: So, since I already have your info for the loan. This is the same info I need for the line of credit. So, we're all good there. Just gonna need to ask you a couple of your security questions.

utterance: Mhm.

utterance: Perfect.

utterance: Mhm.

utterance: I love

utterance: That. Thank you.

utterance: it's my favorite part as well. Always fun to hear what people come up with, you know.

utterance: Mhm.

utterance: So, let's start by getting your first pet's name.

utterance: Ghostly.

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

utterance: Madison Way.

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

utterance: Terrone.

utterance: Great. And this is just gonna take a moment here while this loads.

utterance: Mhm. Hmph, what are you having for lunch?

utterance: I'm not sure yet. Whatever you know, we we moved into new offices, so I'm not sure what's around here yet.

utterance: Mhm.

utterance: Didn't have any time to bring anything from home. How about yourself?

utterance: Yeah, I I didn't bring anything from home today, either. I usually do.

utterance: I'm really just. I'm in the mood for a burrito, but I have some specific dietary needs. So I don't know that I'll be able to find exactly what I would be looking for.

utterance: Well, I wish you the best of luck on your search for that burrito.

utterance: Oh burrito and French fries!

utterance: Well, that sounds very good.

utterance: Yeah.

utterance: OK. Well, it looks like I am going to be able to offer you this line of credit of a hundred thousand dollars today.

utterance: Oh, hallelujah!

utterance: And we'll just be sending something out in the mail that confirms this.

utterance: Mhm.

utterance: And you'll be able to take that money from your account within twenty-four hours.

utterance: Mhm.

utterance: OK. Wow. Thank you.

utterance: is there anything else.

utterance: I can help you with today?

utterance: That's.

utterance: Perfect.

utterance: Great. Well, have a great day and thank you for calling Intellibank.

utterance: OK, goodbye.

utterance: Bye.


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

utterance: yes I have been paying on this credit card online but I think the last payment didn't go through right. So I would like to make a payment please if I can.

utterance: You certainly can sir. I can help you with that but first I need to get a little information so that I can go ahead and process your credit card payment. Is that all right with you?

utterance: Yes.

utterance: All right sir could you give me your first and last name please?

utterance: Yes. My name Robertson.

utterance: All right Mr. Robertson could you give me your date of birth?

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

utterance: All right sir you said ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: OK. Can I have the PIN on that account?

utterance: Yes the PIN is four four nine five four nine.

utterance: All right that number was four four nine five four nine?

utterance: Yes.

utterance: All right. Thank you so much Mr. Robertson. could you give me the credit card number that you're needing to make that payment on sir?

utterance: Yes that credit card number is four five three nine six eight five four eight eight two three three six two eight.

utterance: OK sir. Let me repeat that back to you. That is four five three nine six eight five four eight eight two three three six two eight. Is that correct?

utterance: Yes.

utterance: All right thank you so much sir. Could I get the account number that you're wanting to make this payment through?

utterance: yes the account number is four zero nine five five two three one five seven.

utterance: All right sir that number was four zero nine five five two three one five seven?

utterance: Yes.

utterance: Ok sir. Can I have the routing number as well please?

utterance: Yes the routing number is five one one three four three six seven eight.

utterance: OK sir that routing number was five one one three four three six seven eight?

utterance: Yes.

utterance: OK Thank you so much Mr. Robertson and what is the credit card payment amount you would like to make today?

utterance: two hundred dollars please.

utterance: All right you'd like to make a payment of two hundred and that account?

utterance: Yes.

utterance: OK sir. would you like this payment to go through today or would you like this schedule a different date?

utterance: I'd like to go through it today.

utterance: OK sir. So you want that payment on eleven four twenty twenty-one?

utterance: Yes please.

utterance: OK sir. You actually called after business hours so this card payment won't actually debit through your account until the fifth. Is that all right?

utterance: Oh man. Yes that's gonna have to be OK.

utterance: OK sir. Sorry about that.

utterance: It's all right.

utterance: OK sir and I have your account information here. It's showing that you have a balance of two thousand on that account so with your payment going through you're normal due amount is fifty dollars on this account but with that two hundred payment it'll bring that balance down a little bit. OK?

utterance: OK.

utterance: OK and your due date is not today. It's actually due on the fifteenth of this month so you're getting a little ahead on that.

utterance: OK.

utterance: OK sir.

utterance: OK.

utterance: OK I'm gonna go ahead and schedule this payment for you. Give me just one moment please.

utterance: All right take your time.

utterance: All right sir. Is there anything else I can help you with today? I've gone ahead and scheduled that payment. It should go through on the fifth as requested for two hundred dollars.

utterance: Well that's all that I have that I wanna have done.

utterance: OK would you like to make any other payments on your credit cards? Anything else with this bank account?

utterance: No.

utterance: OK sir. that's all for you today sir? My name was Natasha. I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you as well sir. Have a good day.

utterance: You too.

utterance: Bye bye.

utterance: Goodbye.


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

utterance: Yeah, I'm wanting to purchase some stocks. So, I've got a good lead and I really just need to buy some shards.

utterance: OK. Did you possibly mean you were wanting to buy some shares?

utterance: Oh my God! Yeah. I'm so sorry. That's what I meant. I meant shares, not shards. I'm sorry.

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

utterance: It's Jill Baker.

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

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

utterance: Alright Jill. Do you currently have an account with Intellibank?

utterance: Yeah, I do.

utterance: Alright Jill. I would just need to get some information from you today to make that buy. Jill, what is your account number?

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

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

utterance: Wait a minute. That's not right. So, the account number is actually two seven seven one eight eight three nine. sorry about that. and it's Johnson Controls.

utterance: OK Jill, and what is your date of birth.

utterance: It's March second of nineteen eighty.

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

utterance: Yeah. It's six four seven eight.

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

utterance: It's Kansas City, Missouri.

utterance: OK Jill, and what is your street address?

utterance: It's two one three Longfellow Road in Kansas City and it's seven three eight two zero is the ZIP code.

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

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

utterance: And Jill. Will you confirm an email address for me?

utterance: Yeah. It's J Baker at Johnson Controls dot com.

utterance: Alright Jill. So, you're wanting to purchase some stock, correct?

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

utterance: Yeah, let's look into this for you Jill. So, what is the stock symbol for the shares you want to to buy today?

utterance: Well, first can you kind of explain the market order for me?

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

utterance: OK. And, yeah, that's kinda what I thought it was. The symbol for that share, it's F F I A V.

utterance: OK. You said F F I V. Is that correct?

utterance: Yeah, it's F F I as in igloo. V as in Victor.

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

utterance: I want to buy like a hundred shares for this, but can you tell me what what the price is up to, today?

utterance: Yeah, so it looks like the cap price is actually nine dollars and fifty-nine cents a share for this particular, this particular stock.

utterance: OK then, like, let's actually make it like two hundred shares. Can we, can we do two hundred instead?

utterance: Yeah, I can do that Jill. So, we'll take care. Are you wanting to use your Intellibank checking account to pay for these shares?

utterance: yeah, that's fine. I can use that account. That's fine.

utterance: OK. So, I'm gonna get these shares purchased for you, and then what I'm gonna do is I'm gonna send you over some disclosures and a confirmation emailed over to you. I do wanna let you know that the disclosures that that's basically you consenting to us purchasing these, so your actual purchase of the stock won't go through until that disclosure is signed and returned. and when I say signed, it's just an acknowledgment that you you log in and you acknowledge it. and then it sends back kind of a virtual signature for us, letting us know that it's OK for us to go through and purchase those shares. So, you'll have to, you'll have to send those back to us before we can actually make that purchase, but it's set up to go through to have those purchased for you, but they won't go into effect. So, you want to get, you want to check that email and get that done as soon as possible if you can in order to make sure we get all that processed, so. I'm getting all of this information over, sent over to you. I'm also gonna send you some resource information on the particular stock that you purchased. it's just a little something that we do. It kinda tells you exactly about the little, a little bit about the business that you purchased on and it gives like a little synopsis of just the past charting for that stock, particular stock. So, if for any reason, you want to make any changes to that stock purchase, or you'd like to sell stock, please give us a call back here and we can connect you with someone with our Investment department or our Stocks and Exchange that can kind of help you through that. But, everything should be emailed over to you now. again, as soon as possible, if you can get to that disclosures, acknowledge that, and then send that back to us. Then that way, once you've got your acknowledgment on file it will protect these purchases that you're not missing out on any opportunities here. Jill, I think I have everything that you need regarding this purchase of this stock. Was there anything else that I could do for you today?

utterance: I don't think so. So, I'll get everything in email and then, I'll get, I just need to go out sign the disclosure and everything will process.

utterance: Yep. That's right. Just go out there and click on the disclosure for the acknowledgment. Once we receive that acknowledgment then the process of purchasing them all will be completed and you'll get your confirmations. Was there anything else?

utterance: No, that was all. Thank you.

utterance: No problem Jill. Thank you for choosing Intellibank and you enjoy your day.


utterance: Good Afternoon, this is Alan speaking on behalf of Intellibank. how may I help you today?

utterance: Alan, nice to meet you.

utterance: It's lovely to meet you too.

utterance: well I guess the main reason I'm calling, is to see what the balance is on my credit card.

utterance: OK we can certainly assist you with that today, but before we proceed please if you don't mind you can give us your first and last name.

utterance: Don't mind at all. it's Frank Hannigan.

utterance: Yes that is Irish. No I have never visited. Been meaning to though, very long time been meaning to get out there but just never happens. Would love to take the wife and kids you know. I hear it's lovely.

utterance: Absolutely Sir, Hannigan.

utterance: How's the weather where you guys are at?

utterance: the weather's great where we're at, we're actually in Kansas City, Missouri, right across the river from from Kansas and Overland Park, and yes so we're, it's actually about mid seventies right now we're at where we're where we are based so thank you for asking.

utterance: Oh!

utterance: That's great.

utterance: Yeah I always get worried when I call these numbers that it's gonna be someone outside of the country. I'm very happy to hear that you guys in Intellibank have your call centres right here in the good old US of A.

utterance: Absolutely, and that's something that we do I I believe that our corporation does try to ensure that we we keep things domestic so.

utterance: That's quite a relief. I like to hear that my money's been staying here too, not floating around you know. Not that I have anything against anywhere else, you know I am Irish.

utterance: I I understand Sir. So, Mr. Hannigan just so I can just so I can confirm your date of birth please?

utterance: Oh yeah, it's three ten seventy-nine. Nineteen seventy-nine.

utterance: OK.

utterance: March tenth, nineteen seventy-nine.

utterance: Thank you Mr. Hannigan, and just we do need the sixteen digit credit card number associated with your account.

utterance: Oh yeah that is not a problem at all, I've got it right here, let me grab the card. It is eight nine seven nine three two four two seven seven one one four eight three two. One more time, that is eight nine seven nine three two four two seven seven one one four eight three two.

utterance: OK, one moment please.

utterance: That's my credit card by the way, not my debit card. You probably know that, you probably probably told you that when I gave you the thing.

utterance: That is correct Sir, thank you for confirming that.

utterance: And so we are now inside your account and we are showing the numbers on the credit card itself just so just to clarify again the question you had in the beginning was your available balance in your account, correct?

utterance: Yeah I'm looking to see how much I owe on the card currently and how much is available for me to spend.

utterance: OK. So right now it's looking like on your account it is an it is an outstanding balance of four hundred and fifty-one dollars and thirty-seven cents. and because your sorry give me one second seems a little bit.

utterance: Oh yeah no problem.

utterance: I completely understand. hate computers myself. making everything slower, I feel like.

utterance: OK, OK Mr. Hannigan just to double check I just apologize for that

utterance: No problem.

utterance: Apologize for that, so four hundred fifty-one and dollars and seventy-one cents is your outstanding balance and because you have a credit limit of seven thousand and five hundred you do have seven thousand and forty-eight dollars and twenty-nine cents available to spend.

utterance: Oh, that is great to hear. That's perfect. That is all I needed.

utterance: OK Mr. Hannigan, is there anything else that I could assist you with today?

utterance: No that'll do it today, thank you so much that was great.

utterance: Of course, thank you for banking with us Mr. Hannigan and I hope you have a wonderful rest of your day.

utterance: Oh, you as well.


utterance: Good morning this is Tom at Intellibank. How can I help you?

utterance: Yeah hi Tom. I have been stressed out about my money. And I need a way to know that there's something possibly bright around the corner. Because I have not looked at my investments in quite some time. Because they've always been something I thought of as the future. Not the present. They were things I was gonna put in to a long time. Not worry about.

utterance: And then maybe when I retire just basically check and see if they were good investments over time. And I I dunno is there some sort of service you have

utterance: Or help me.

utterance: Yeah I don't mean to interrupt you but we I think if we get you an investment report you can kinda look that over.

utterance: You'll see over time how your investments have done. Know you might wanna make some changes. this will give you a history so you can kind of you know can kinda plan out and and see if you know. You obviously want something to happen. You want you know to see some increases. So why don't I.

utterance: So this is

utterance: You're gonna send me a a a an immersive report?

utterance: investment report.

utterance: Sorry yeah.

utterance: Yeah

utterance: I'm gonna you're gonna send me an an investment report. OK.

utterance: Yeah yeah yeah. Right. OK.

utterance: Go. Go for it.

utterance: why don't I get you logged in here? Let's see what's going on with your account and we'll make it happen.

utterance: can I get your first and last name?

utterance: Yes absolutely. My name is Jasper Watkins.

utterance: OK Jasper. and your date of birth please?

utterance: It is July nineteenth nineteen sixty-five.

utterance: All right. And your account number?

utterance: Account number is four two one zero three eight nine four.

utterance: All right. we have. and your PIN number.

utterance: PIN number is one zero one seven.

utterance: Let's see.

utterance: All right

utterance: Aww man.

utterance: You OK? I just remembered I forgot to do something today that I should be doing. Right now. I was supposed to go to physical therapy because I tore my meniscus back in January.

utterance: And if you don't go every week it's something about like violating the terms of my health insurance so then I won't be able to go for the next for free. They'll actually charge me and damn. Like all I'm trying to do is just be able to cycle again you know.

utterance: I've had this lingering meniscus thing. It's like a this tissue in your knee. I don't know if you're familiar with it but aww boy I put that off. And then. wow wow wow. And I'm sorry I'm just wondering if I could like maybe hop in the car and then drive there while I keep you on the phone. And maybe be able to go there late.

utterance: Whew man you think like this phone call would get dropped if I hopped in a car right now and stayed on the line. Or what do you think?

utterance: why don't you give me your phone number real quick and that way if it happens I can call you right back.

utterance: OK yeah let's let's go with that. it's three one zero six six seven five five five five.

utterance: Man.

utterance: slipped my mind.

utterance: All right, yeah. Oh no no problem at all. Sorry. Sorry about that. Did you. Did you.

utterance: You needed some more information from me?

utterance: Yeah.

utterance: Actually so we can send it to you by email. We have a couple of different methods.

utterance: Or by paper snail mail. It seems like you wanna maybe get this going so would you prefer email?

utterance: could you could you send them both.

utterance: Yeah sure. why don't we start your email.

utterance: OK yeah absolutely.

utterance: It's blue dog forty-five. That's blue dog forty-five at Yahoo dot com.

utterance: OK got this sir. And can I verify your address please?

utterance: Sure two two zero zero north seventy-third avenue. New York New York. One zero zero one one hyphen eight six four nine. And you actually might have put unit number on there. The unit number is three A.

utterance: Yup. That's what we have have you down. Right so let me get get this email to you. It's gonna generate. Takes about ten minutes. And from there you'll get the the paper version in like six to ten days.

utterance: Great yeah cool. Thanks man. I'm I'm just gonna hop in the car now and go to.

utterance: All right.

utterance: Be safe. Take care.

utterance: Thank you. Bye.

utterance: Bye.


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

utterance: How are you doing, Jerry? I'll like to know balance for my checked account.

utterance: All right, and if let me see if I can pull up your account information. I'll just need to ask a few questions. what is your first and last name?

utterance: Benjamin Freeman.

utterance: All right, and Mr. Freeman, what is the name of the business that has an account with us on file?

utterance: Rays Construction Company.

utterance: OK, thank you for that. and Mr. Freeman, I'm going to verify your account by asking a few questions. And we do this because we do take your account security very seriously, and this is for you and your business's protection. first, what is your date of birth?

utterance: April twenty-six, nineteen seventy.

utterance: And Mr. Freeman, if I could ask, what is your business address?

utterance: Well, my business address is three six eight eight Lemon Court, Smyrna, Georgia. three zero zero eight zero.

utterance: And Mr. Freeman, what is your account number?

utterance: OK. Actually, just changed it. What I need to know is did that did that charge come off my account last month?

utterance: great question. I'll certainly be glad to assist you with that, Mr. Freeman. I'll still need your account number so that I can access your account and review it to see if the charge you're requesting information on has been credited. Again, what is your account number?

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

utterance: And the final question to verify the account, what is the PIN number associated with your account?

utterance: The PIN number is one seven nine five.

utterance: All right. Thank you for that, Mr. Freeman. And let's see here. I was able to pull up the account and you mentioned that you were requesting information on if a charge had been credited to your account from from when was that, sir?

utterance: Last month.

utterance: From last month?

utterance: Yes, sir.

utterance: All right and, let me ask, where you able to review your statement from last month to see if that had been credited?

utterance: I didn't receive a statement.

utterance: Oh! Well, we certainly regret your not receiving your bank statement from us. let me see if we can get that corrected here now. so that you can have access to your bank statement to review the transactions on your account. Mr. Freeman, how did you wanna receive your bank statement, did you want that sent to you by mail or by email?

utterance: Email.

utterance: And Mr. Freeman, what is your email address?

utterance: Oh! Yes. B Freemans at Rays Construction dot com.

utterance: OK.

utterance: Oh yeah. Oh yes, it's a beautiful day outside, that sun is shining ver very bright all through this winter. All over this telling me to come outside come outside.

utterance: You know, I . They say the most productive days are those days you take those power bricks and go get some fresh air outside and you come back into the office ready to take care of the rest of the day.

utterance: You are right a good idea.

utterance: Yeah, I was reading that and I said that's very interesting. I guess you know, instead of maybe Well, I I guess depends on what you like but instead of a smoke break, you go get a Sun break.

utterance: Oh yeah Oh yeah, I don't like smoking, I don't really like being around smokers but I rather just go get a Sun break.

utterance: There it is. Plus I know, they say you know Sun is good for the skin and so helps fights skin cancer and all this other stuff.

utterance: Yeah, it do, it helps.

utterance: Well, Mr. Freeman, I've gone ahead as requested and updated your information here so that now moving forward, you will receive your bank statements by email and you'll of course be able to review your transactions. of course, see what the end of month account balance is for your account, and of course, just have it for your record keeping.

utterance: That's good, thank you so much I need that.

utterance: And speaking of which, just so that we address the other concern you mentioned, what was the transaction that you wanted to know was credited?

utterance: it was one out of Bath Bath and Beyond that that we had made a transaction I never get no response.

utterance: Do you recall the date of that from last month?

utterance: I guess it's around about the date date of the month, something like that.

utterance: OK, let's see here. Let me review it. Yes. Mr. Freeman, I do see a transaction here on October it appears the seventh but it was process on the eighth and clear the there was a credit for the amount of seven hundred and fifty dollars.

utterance: OK, that sounds about right.

utterance: All right and again moving forward you will receive those statements by email, so you can of course see this for yourself as well.

utterance: Thank you for that thanks for bringing me full knowledge of what what what went on last month. And thank you for I will be receiving my statements thank you for all you've done. I really appreciate that.

utterance: Not a problem at all my pleasure Mr. Freeman, and is there anything else I can assist you with?

utterance: Oh that'll be all that be all you have a good day.

utterance: Terrific, thanks. You have a great day as well.

utterance: All right bye bye.

utterance: Bye.


utterance: Hello, and thank you very much for calling Intellibank. This is Walter. How may I help you this evening?

utterance: I'm searching for information information about my debt to income ratio.

utterance: Not a problem at all. We can figure out your debt to income ratio.

utterance: Oh perfect. I've been transferred to the right. The right area then.

utterance: You got it.

utterance: yeah I'm sorry if they've been transferring you around. We've been having some problems with our phone bank.

utterance: Oh OK. Yeah.

utterance: All right. So I'm gonna just need to get a little bit of information from you to pull your account up and check that. Let's start by getting your full name, first and last. How. As it appears on your account.

utterance: That would be Leila. L E I L A. Leila and Lilliano. Lilliano. OK?

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

utterance: My date of birth? November twelfth, nineteen eighty-nine.

utterance: All right. And I'm going to need both your social security number and the number that appears on either your drivers license or your state issued ID card.

utterance: Let me pop up and go and run, get my wallet OK?

utterance: Not a problem at all. I can wait for you.

utterance: Thank you.

utterance: Take as much time as you need.

utterance: Thank you.

utterance: That's what we're here for.

utterance: Perfect.

utterance: Are you. Are you there?

utterance: Oh yeah. I'm just waiting for whenever you're ready.

utterance: OK. Thank you and my social security number is six six one two three four four one one. And drivers license is gonna be D seven seven one two three five.

utterance: All right.

utterance: And then the only thing else I'm going to need to access your account.

utterance: Yeah.

utterance: Is your four digit PIN.

utterance: OK. Zero five two seven.

utterance: All right and I have your account pulled up here. and you're calling about your debt to income ratio?

utterance: I certainly am.

utterance: OK well I can figure out that for you today without a problem.

utterance: Thank you.

utterance: But just so you know, it shows here that you don't use our online or app banking.

utterance: No. Do you use online banking?

utterance: I do. I love it and yeah and as a matter of fact you can go online as long as you sign up for the online banking, and figure out your debt to income ratio. At anytime.

utterance: You do?

utterance: Oh.

utterance: There is no need to call.

utterance: That sounds that sounds helpful.

utterance: So all you need to do once we're off the phone is to either go to our website at Intellibank dot com, or download our Intellibank app. At any of the app stores, depending on if you have a android or apple device. And you'll be all good to go. You'll just have to answer the same questions you just answered here but then you'll have the account. And each time you want to check all you'll need to do enter the email and your four digit PIN.

utterance: Perfect.

utterance: But for now let's get going with figuring out that debt to income ratio.

utterance: Yeah.

utterance: So how much was your gross for last year?

utterance: Two million.

utterance: All right. and for what length of time would you like me to check that ratio?

utterance: Twelve months, please.

utterance: All right. OK. Well we're gonna take the value of your companies monthly debt payments, and we're going to divide that by it's gross monthly income. and that gets us a debt to income ratio. Of eighteen point two percent.

utterance: OK. That's what I thought. That's what I suspected.

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

utterance: Not today.

utterance: Well then thank you so very much for calling Intellibank. and you have a very, very lovely rest of your day.

utterance: OK. Thank you very much.

utterance: Bye.

utterance: Bye.


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

utterance: Hi, my name is Saeed.

utterance: Hi, Saeed.

utterance: What's going on? So, today, I'm looking to potentially apply for a loan.

utterance: I have an account. That's about, I think, almost two years old.

utterance: I haven't taken out a loan with you yet. I almost applied for an auto loan six months ago. Didn't end up doing that. But, I did end up getting a gold card. So I just wanted to before I submit this online application, I just wanted to go over my quick liquidity ratio. I have a audio engineering company and yeah, that's that's what the account's for. So, I just essentially wanted to make sure everything was good on the books before I proceed to submit this application.

utterance: OK, yeah. I can go ahead and help with that today. can I start by getting your full name?

utterance: Yeah, sure, not a problem. You can do Saeed Ahmad.

utterance: OK. And I'm gonna go ahead and pull up your account information, can I also get your birth date?

utterance: Sure it's three fifteen ninety-two.

utterance: Ok. Three fifteen nineteen ninety-two. OK. And, what's your credit card number?

utterance: Yeah, it's one four five six seven five two six, three four four one, five five one two.

utterance: OK, and that's one four five six, seven five two six, three four four, one five five, one two.

utterance: That's that's right.

utterance: OK, great.

utterance: So, before we can proceed, I just need to verify some information for the security of your account.

utterance: OK, whatever you need.

utterance: Can I go ahead and get your PIN?

utterance: zero six five.

utterance: OK, zero six five.

utterance: All right, great.

utterance: So, I'm gonna ask you just a few security questions that you filled out when you created your account.

utterance: OK.

utterance: What what city did you grow up in?

utterance: I grew up in Oakland.

utterance: Oakland.

utterance: OK, great. And what was the name of your first pet?

utterance: Richie.

utterance: Richie. And

utterance: You know like Richie Rich?

utterance: Yes. OK.

utterance: Richie the.

utterance: Snake.

utterance: Richie the Snake. OK. Perfect.

utterance: Ok. So, I'm gonna go ahead and pull up your account right now. Just give me one moment, please.

utterance: OK.

utterance: OK. I'm in your account. It's just buffering a little bit. so just give me one second.

utterance: OK.

utterance: OK. I'm in your account, and so today you wanted to check your quick liquidity ratio?

utterance: Yeah, please.

utterance: OK, let me see what I can do for you.

utterance: OK, so I'm in your account and it looks like this year, it's point four five.

utterance: OK. all right. So, if I apply for the secured loan is it looking good for that or?

utterance: so basically, we would need a little bit more information than just your quick liquidity ratio.

utterance: So, what I would advise you to do is go on to our online system and use our quick calculator.

utterance: OK.

utterance: which will just take a few minutes and you'll be able to find out what you could be approved for. And usually, you know, like I said, takes just a couple moments, and you'd put in things like your net income.

utterance: And you'd get an answer pretty quickly about, you know, what you're looking at if you do apply for one.

utterance: OK. Is that something you would be interested in?

utterance: Yeah. Yeah. I could do that.

utterance: OK. so, do you have your? You have all of your information to get into your online account?

utterance: Yeah, I'm I'm in the portal right now.

utterance: OK, great. do you see on the right hand tab the one that says calculator?

utterance: I do I do, yeah.

utterance: OK, great.

utterance: OK, yeah. OK, yeah. So I input everything in there. All right. Great. Great.

utterance: So, pretty much just fill out the rest of the application with this and then I submit it and then I don't have to do anything else on my end right? I just wait to hear back, to see if I was approved or?

utterance: OK, so, after you fill out the calculator and you decide that you do wanna go ahead and submit an application for our loans, you would then go to the tab that says submit an application. And once you do that, again, that process is pretty quick, too. You just put in your information and then you will be receiving an email from us saying that we did receive it. And then the only step afterwards is just to wait one to two business days for us to give you a call back to let you know the status of your loan.

utterance: That sounds simple enough. OK. Let's go ahead and do that. Let's go ahead and do that. OK. So, I'll I'll submit this and then if if I have any like problems along the way, I'll call.

utterance: OK, sounds good. Can I help you with anything else?

utterance: Nah, you've been great.

utterance: OK, you have a good day.

utterance: Take care. Bye bye.


utterance: Thank you for calling Intellibank, how can I help you?

utterance: Hello, how you doing, this is Capital Venture bank right?

utterance: Oh no sir, this is actually Intellibank.

utterance: Oh geez, I'm sorry, sorry about that yeah that's my other bank I'm sorry.

utterance: Ah, gotcha.

utterance: Yes I'm yes, my bad my name is Keith.

utterance: No problem.

utterance: Sir.

utterance: Yes my name is Keith Allan and I'm looking to pay off my credit card, my business credit card so, yeah that's actually my other bank.

utterance: No problem sir, no problem. I'll look up your account for you if you just give me your credit card number.

utterance: hold on real quick. Let me get that information real quick.

utterance: OK.

utterance: OK, you there?

utterance: Uh-huh.

utterance: All right. it is, my account or my credit card number is four forty-one twenty-two sixteen oh one, thirty-three twelve zero two fifty. yeah zero two fifty.

utterance: Got it.

utterance: And the expiration date is eight zero eight one two thousand yeah twenty-five. Two thousand twenty-five.

utterance: Great.

utterance: And the three digit number is one three four.

utterance: Got it, thank you sir. Looks like the current balance on that card is two thousand dollars an eighty-two cents.

utterance: All right, is it okay if I just pay two thousand thousand, I'll pay a thousand today.

utterance: A thousand?

utterance: Make it twelve hundred.

utterance: Twelve hundred?

utterance: Yeah.

utterance: Sure, OK. I'll put you down for twelve hundred today and what method of payment would you like to use for that?

utterance: I would like to use my checking.

utterance: Your checking account, got it. can you get that account number?

utterance: Yeah.

utterance: Yeah no problem. seven six one five four three three three one one two.

utterance: And the routing number?

utterance: It is five five three eight two nine.

utterance: Got that, thank you. And that payment is processed. So you just have the remaining balance due which you'll be able to see on the dashboard of your account page.

utterance: I guess.

utterance: Got it. Just popped up.

utterance: Take care of you know whenever you like. So you can see all that information on the website and you can also see your transactions and your bank statements and everything else of that nature.

utterance: Thank you, man.

utterance: Can you hold real quick? I'm sorry.

utterance: Sure.

utterance: All right, you there? Sorry about that.

utterance: Hi sir.

utterance: Yeah.

utterance: Yeah yeah yeah. OK cool so It's paid. I did the twelve hundred and then from there I guess I'll just call in. I'll just call in and do just, knock off the remaining balance. So yeah that'll be cool.

utterance: Mhm.

utterance: OK.

utterance: Great. That sounds good. please let me know if you have any other questions I can answer for you, any other business needs that we can be helping you out with in terms of loans or anything else of that nature. Please keep us updated.

utterance: Awesome.

utterance: Awesome.

utterance: OK, well. If there's nothing else that I can help you with, I'll let you get back to your, to your business sir.

utterance: no there actually is one thing. Now is there any way I can add this updated checking account to you know, method of payment or whatever if for the future, or is it automatically

utterance: I can.

utterance: I can keep this stored for you, so that you can have this available to you online without entering your checking account again and I can also put on an auto-pay so that you can get so you automatically pay at the first of the month any balance that you have on this card. Just to make sure that it's always clear. .

utterance: Oh you gotta keep it stored, OK.

utterance: Yes.

utterance: OK. sure then let me set that up for you. I'm gonna put this checking account on this.

utterance: It just stays on file, right?

utterance: Credit card.

utterance: It will be on file and it will automatically charge the card whatever the balance is or charge your checking account whatever balance is on the card at the first of every month. so you won't need to be making, you know, calling to make any payments from here on out.

utterance: Nice.

utterance: Beautiful.

utterance: Great, is there anything else I can help you with today?

utterance: No sir, that will be all, I greatly appreciate you.

utterance: Then, well thank you, we appreciate your business, and hope you have a great day.

utterance: All right, man. God bless.


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

utterance: yeah, Robert. I had a couple of questions.

utterance: About how I can get my monthly statements. I I've been getting them in the mail, for as long as I can remember. And I I lose them, I misplace them.

utterance: Half the time, our mail doesn't even show up. So, some months I'm not even getting the statement. So, I just wanted to see what my options are, in other ways I can get the statement besides it being mailed out to me every month.

utterance: Absolutely. but first I need a little bit more information so I can take a look at your account.

utterance: Sure.

utterance: can I get your last name, please?

utterance: yeah, it's Foley.

utterance: Is that F O L E Y?

utterance: Yes, it is.

utterance: OK, and what's your first name?

utterance: Tim.

utterance: Is that Tim or Timothy?

utterance: just Tim.

utterance: All right. Tim Foley.

utterance: OK. can I get your PIN Mr. Foley?

utterance: Oh, sure. It is two eight three nine.

utterance: All right.

utterance: Excellent.

utterance: for security purposes, can I get your birthdate?

utterance: Oh, yeah. It's six seven eighty-four.

utterance: Excellent.

utterance: Yes, I see your account with us. looks like you have both a checking and a savings account. Is that correct?

utterance: I do. I have both the checking and the savings for my business.

utterance: So you would normally, when you did receive your mail, you would receive two separate envelopes with two separate statements, is that correct?

utterance: Yeah. And that alone was confusing. You'd get, you know, you get the one statement, you get the second statement, you you know, switch them around. It's just it's gotten to be just a little too much. When I even get them.

utterance: Right. Yes. absolutely and a lot of our customers agree with you, and we change the statement delivery methods all the time, so we're happy to make it work for whatever you most prefer.

utterance: Yeah, do you have a situation where I could just like stop by each month? Pick them up?

utterance: yes, sir. Absolutely. If you live close to a branch and you you come in and you come up to our our teller or we also have a special small business section where you can talk to an agent and

utterance: Actually, if I pick them up, I'm still gonna have the same issue with just way too much paper and.

utterance: Correct.

utterance: Losing them any other way I could do it?

utterance: Well, one way we recommend is to go paperless, and that is a way by using your online banking system account. all of your information is there. You can go back as long as you want to view them.

utterance: Either on screen or then you can make a choice at that point, where you can print them out, like as a PDF.

utterance: Mhm.

utterance: So, you can either just view them on the screen. Then you don't have the paper around. But if you do like filing them right there from your printer, then it's a lot easier than trying to go from the mailbox to your file. You just print it, staple it put it in the next month.

utterance: And then the choice is mine. I always have it there, right?

utterance: Exactly. So, this is always an option, anytime, so.

utterance: how would we go about that?

utterance: And is this something I have to pay extra for?

utterance: No, sir. It's a actually it saves us money. Because we spend less money on postage, so and paper. So,

utterance: It's actually like a preferred method these days, but some people were just tied in to the old system. So, we just kept it going. But anyone who wants to go this way, it's it's better for both sides, sometimes.

utterance: Let's do it.

utterance: Excellent. so I have made the shift. Now we are going to stop sending out your monthly statements, as far as the paper copies.

utterance: You can always log in to your app, or to the website.

utterance: And your account you just put in your email and your password and you can go and access your entire history. And you can print whatever months you want. Whatever pages you want. And one option we do offer though, is if you would like a reminder that your new statement is available, we can add you to that mailing list, so that every month, when the statement becomes available it gives you a little email reminder it's just so, you know, the months pass by so quickly, sometimes you forget. Oh, wow, it's already the twenty-seventh or whatever. And.

utterance: let's keep it a surprise.

utterance: Excellent. That's no problem at all.

utterance: So this is done? This is, I just need to log in to the account and it's there?

utterance: I've just taken you off of the, having the paper statement sent to you, and now it's it's just going to be updated in your profile every month. Yes.

utterance: Great!

utterance: This was fast and easy and I appreciate it quite a bit.

utterance: No problem at all, sir.

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

utterance: Nope. That'll do it today.

utterance: Excellent. Thank you, Mr. Foley, and thank you for being an Intellibank customer.

utterance: Thank you.

utterance: Have a good day.

utterance: Bye.

utterance: Bye.