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

utterance: Hey Belinda happy Saturday. How are you?

utterance: Happy Saturday! How are you today?

utterance: I'm doing good I'm doing good. so I am a I'm I'm a new business owner. It's just over a year now. knock on wood things are going pretty good. And I wanted to know if Intellibank has you know either yourself or somebody I can talk to about like like investments. I I wanted to you know start taking my money and put it in multiple different things. Because you know you're supposed to have multiple streams of income. And I don't wanna just depend on my business to be working for me. I want my money to work for me in in ways possibly as well.

utterance: Right right absolutely. Well we actually do have investment specialists.

utterance: OK.

utterance: That work with Intellibank.

utterance: we have some of the best ones in the country.

utterance: At all of our different locations across the country. So and obviously it's self-explanatory.

utterance: The investment specialist will help you invest your money. in the very smartest of ways. Very lucrative ways of course that are gonna give you a big turnover for your book.

utterance: I I love the sound of that.

utterance: So.

utterance: OK so first of all what is your name?

utterance: my name is Steve Jones.

utterance: Mhm.

utterance: OK Mr. Jones. And Mr. Jones.

utterance: It's for that's weird like for some reason when you said that I just was like hearing the song in my in my head. Mr. Jones and me.

utterance: And And you can tell I have a horrible voice.

utterance: Oh, wow.

utterance: Wow I forgot about that song. I used to love that song. That's a great one. Very fun.

utterance: OK so what kind of like medium would you like to meet with the investment specialist? Do you wanna go in person? Do you wanna speak on the phone? Do you wanna do a Zoom?

utterance: What do you like best.

utterance: you know what let's let's let's do a Zoom. That would be amazing. This way I could I'm all about doing a Zoom because you can get more done instead of traveling.

utterance: OK.

utterance: Great.

utterance: Back and forth. Yeah so let's do Zoom please.

utterance: OK.

utterance: Yeah, absolutely.

utterance: OK and and that'll give us like a wider. when you pick the date and time.

utterance: You'll have more of a choice. Because there will be more you know multiple specialists available. So what date were you thinking?

utterance: OK.

utterance: either the tenth or eleventh this coming week.

utterance: OK.

utterance: Yeah.

utterance: In the morning at some time.

utterance: In the morning OK. So before noon.

utterance: Yes, please.

utterance: OK. OK so we have on the tenth we have a ten a.m. with Paul.

utterance: OK.

utterance: He's amazing.

utterance: OK. Yeah that.

utterance: Would you wanna just do that? OK.

utterance: Ten a.m.'s perfect.

utterance: Yeah please.

utterance: So ten.

utterance: a.m. with Paul and we're gonna set up that Zoom link for you. Hang on one sec.

utterance: OK.

utterance: OK. So I'm just gonna need your email so I can send over all the details to the Zoom call. They'll be you know like a password and a code that you put in.

utterance: Right.

utterance: Have you done obviously you've done Zoom call before.

utterance: Yeah, yeah.

utterance: Of course. Of course.

utterance: OK, so what's your email?

utterance: the email is Steve Jones.

utterance: Mhm.

utterance: Nineteen ninety-one.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: And my social is.

utterance: OK.

utterance: Oh.

utterance: Actually don't need your social. Thank you though.

utterance: You don't need.

utterance: Social or bank account number nothing like that?

utterance: No.

utterance: No.

utterance: Nothing like that at this time, but thank you so much.

utterance: OK.

utterance: Wow. OK.

utterance: For

utterance: You know being on top of that. OK, so I'm sent over that link to you.

utterance: OK.

utterance: And it has all the details you know on the day of the Zoom.

utterance: Now can you can you hold on? I wanna pull up my email and just to make sure I have that there.

utterance: Yes yes.

utterance: To make sure.

utterance: Of course. Take your time go ahead.

utterance: OK.

utterance: Hang on one sec, please.

utterance: OK.

utterance: Computer's a little slow I'm sorry.

utterance: No problem take your time.

utterance: OK all right.

utterance: So it's here I got it.

utterance: OK perfect that's great.

utterance: OK so do you do you use online banking by the way. Or do you are you interested in finding out more about that or.

utterance: Actually online banking I'm I'm pretty good with. I don't mean I don't use it on a daily basis but I do have it set up and you know when I need to I I absolutely do take advantage of that.

utterance: OK.

utterance: OK.

utterance: Mhm.

utterance: OK that's great to hear and do you. Are you aware of like our new Intellibank credit cards for small businesses?

utterance: That I'm not aware of.

utterance: Would you be interested in me sending you an email about we have three different cards that we're offering right now. The silver platinum and gold. And there are so many perks and rewards to using these different cards.

utterance: OK.

utterance: I'd love to send you some information on that. And you can like read through it.

utterance: OK.

utterance: What do you think?

utterance: Sounds like a plan to me.

utterance: OK. All right so I'm gonna email you that info.

utterance: And while I have you on the phone is there anything else I can help you with Mr. Jones?

utterance: I think that's everything.

utterance: All right you have a great weekend.

utterance: You too take care.

utterance: Thank you bye bye.


speaker_role: Agent

utterance: Thank you for calling Intellabank. My name is Daisy. How may I help you?

speaker_role: Customer

utterance: Hi Daisy Am at this car dealership I'm looking to buy a truck for my business, but I don't know if I can afford this.

utterance: OK Are you calling today to see if you can get pre-approved on an auto loan? Or are you simply calling to check your balance?

utterance: I'd like check my balance.

utterance: Oh OK. I will be happy to help you with that. Let's go ahead and retrieve your account here. What is your full name and address?

utterance: It's George Emory and I live at One twenty-one Parkside Acres. In Branson Missouri, five five three two four.

utterance: Thank you. Please verify for me your date of birth.

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

utterance: What is your Intellabank pin number?

utterance: One six six two.

utterance: And then what is the account number for the account you'd like to check the balance on today?

utterance: It's zero zero one six, three nine two two one seven.

utterance: Thank you, one moment.

utterance: Sure. How's your day going Daisy?

utterance: So far so good, it's been keeping pretty busy. Makes the day fly by. How about you?

utterance: It's going good you know I have to buy a truck for my company. So, going to all these dealerships and looking at different cars is always fun. Just you know the financial part of it now, not so much.

utterance: Gotcha. Yeah. I got your balance here. It's eleven thousand, three hundred fifty-six dollars and sixty-one cents.

utterance: Okay.

utterance: Alright George is there anything else I can help you with today?

utterance: yeah I saw online that you guys have a new credit card. what's that called?

utterance: We have three different credit cards. Currently available. One moment while I pull up their names. We've got our Intellabank business platinum card. Our Intellabank business gold card and our Intellabank business silver card. Each one pertains to a different type of customer. have you ever received anything in the mail from us on this?

utterance: yeah I've I saw that silver thing that silver card. I wanna know more about that.

utterance: Sure yeah you're likely pre-approved if you've something in the mail. and the Silver card let me look up that one's information. OK so for your small and medium business, Intellibank offers our IntelliBusiness Silver card. This card allows you to reduce the administrative charges and to manage easily everything online pertaining to your cards. It comes with no preset spending limits so it can adapt to your needs based on your spending behavior payment history and credit profile. There's no annual fee. and you earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cashback gift cards travel and more. You can earn rewards quickly with employee cards tied to your account at no additional cost. you can set individual spending limits on those employee cards so that you have complete control over your company's expenditures. Your card transactions will be monitored for possible sides signs of fraudulent activity using our real-time state of the art fraud monitoring systems. And you will never be held responsible for unauthorized charges made with your card or account information. For a limited time we are offering you free access to customize your card with your business logo and design. And our current promotion related to this card is you can earn seven hundred and fifty dollars bonus bonus cash back after you spend seven thousand five hundred on purchases in the first three months from opening the account. George are you interested in opening an this card today?

utterance: no I don't I'm not interested in opening the card right now I just wanna know more information about it. could you send me that information in an email?

utterance: Absolutely, what is your email?

utterance: It's G Emory trades at Hotmail dot com.

utterance: G E M O R Y T R A D E S at hotmail dot come?

utterance: That's right.

utterance: OK I have sent that to you in an email. Is there anything else I can help you with today?

utterance: No that should do it.

utterance: Alright, well thank you for choosing Intellabank and have a wonderful day.

utterance: You too bye.

utterance: Bye now.


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

utterance: I was wondering what kind of services that you offer?

utterance: Certainly. We offer a variety of products. We have three levels of business credit cards. We have two different tiers of business checking accounts a business savings account as well as a investment wealth management account. And then we offer a variety of loans. And we also have various different specialists on staff who are here that can help you with some different needs as they arise at your business such as tax specialists for preparing and filing your taxes risk management specialists who can help identify risks in your business that could result in decreased cash flow or higher insurance payments. We also have notaries, financial advisors and investment specialists on staff.

utterance: OK. I think I want to talk to a tax specialist.

utterance: OK. I can certainly do that for you. can I have have your name and date of birth please?

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

utterance: Thank you. And your security PIN?

utterance: And my date of birth is May twelfth nineteen sixty.

utterance: Oh I'm sorry I didn't mean to interrupt you there.

utterance: And my security PIN is one zero six two.

utterance: OK. Thank you for that. And again I apologize for interrupting you I dead spot on my earpiece and I thought you had already finished. OK. And so you were wanting to set up an appointment with a tax specialist. Is that correct?

utterance: On second thought I believe I want to talk to an investment specialist instead.

utterance: OK. Let me just make that change real fast. OK. And so what date would you like to have that appointment with the investment specialist?

utterance: you got anything open for next Tuesday?

utterance: Let me check. Yes. I have got a two fifteen, a two forty-five, and a three-thirty.

utterance: OK. How about three thirty?

utterance: All right, I'll go ahead and schedule that for that time. And do you want to have this appointment online or in-person?

utterance: Online would be great.

utterance: OK. And can I have you verify your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: All right. Thank you. And so you will receive an email the day before your appointment and it will list all the instructions on how to get setup in the secured web browser where that conference will take place. and we do always suggest that you have a webcam on the device that you attend that meeting with. it's not required but it it does generally make things bit easier for everyone.

utterance: OK. That sounds great.

utterance: Yes, sir. And would you be interested in getting more information about online banking where you can schedule appointments with our specialists at your own convenience?

utterance: Yes.

utterance: OK. Well yes we do offer online banking as a free service to our customers. and using that you can login on any internet-connected device and you'll be able to schedule appointments with advisors or specialists as well as manage basically all other aspects of your account here at Intellibank.

utterance: Ok. Is that something that you could help me setup today?

utterance: It certainly is. Give me just one moment. Let me bring up that screen. All right, sir. And that email address you gave me earlier, Thomas Customs at Gmail dot com? Is that the email address that you would like associated with your online banking account?

utterance: Yes please.

utterance: Great. and then I've got a username and a temporary password for you whenever you're ready to write these down?

utterance: OK. Hang on a second while I grab something to write with.

utterance: OK.

utterance: How's your day going so far?

utterance: Oh my day's been pretty good. How's your's been?

utterance: Oh not too bad.

utterance: That's good.

utterance: OK. I am ready.

utterance: All right so your username is going to be D Thomas zero zero two.

utterance: OK.

utterance: And your temporary password is will be T C. I'm sorry those are capitals. Capital T. Capital C. five two capital Q zero.

utterance: OK. I've got that written down.

utterance: All right sir. So if now you'll just need to go to Intellibank dot com and in the top righthand corner there is a link to login. You can click that link and enter those details it will prompt you to create a unique password for your account and then walk you through the rest of the process.

utterance: All right. That sounds pretty easy.

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

utterance: I can't think of anything.

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

utterance: All right. Thank you.

utterance: Thank you. Goodbye.


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

utterance: Renee, we are looking to expand our, our space here. And I was wanting to look into a an S P A seven A loan.

utterance: Mhm.

utterance: To possibly shore up some of the shortfall that we have, to to make this happen. Is that something that can I can do with you or do I need to go online?

utterance: You can do it right here over the phone happy to do that for you it takes five minutes or less.

utterance: and just for your convenience you could also do it online or on the mobile app

utterance: Whatever you'd like.

utterance: OK sounds good.

utterance: Like to go ahead and do that now?

utterance: Yeah let's go ahead and do it now, we we need that space, we're we're growing kinda exponentially.

utterance: Great.

utterance: It's a good

utterance: Thing. It's a good thing.

utterance: Yeah .

utterance: sounds good. And may I get your name please?

utterance: Yes my name is Frank Johnston.

utterance: Okay.

utterance: J. Oh go ahead.

utterance: With.

utterance: With a T in there, you know some people leave the T out. Johnston.

utterance: J O H N S T O N?

utterance: Mm that's correct you got it right the first time.

utterance: OK.

utterance: Good, all right here. All right let me just pull up the application.

utterance: And may I get your home address please?

utterance: It is eight nine zero zero Red Barn Lane and that's in Canoga Park California nine zero six zero three.

utterance: OK very good.

utterance: And may I please have your social security number?

utterance: Five two four six zero nine, nine five five five.

utterance: OK sounds good

utterance: All right the next thing I'll need will be your driver's license number. Sorry

utterance: Five eight. I'm s~

utterance: I'm sorry, yeah. Five eight zero six zero eight three one one nine.

utterance: Uh-huh.

utterance: OK.

utterance: Got it, and your email address please.

utterance: you can reach me at Frank Johnston at build dot com.

utterance: OK and Frank are you the sole owner of your business?

utterance: I am yes.

utterance: OK.

utterance: And approximately when was your business established?

utterance: Two thousand and six. On August tenth two thousand six.

utterance: Two thousand

utterance: OK great.

utterance: And your gross annual sales?

utterance: You can use last year if you'd like.

utterance: Eighty-eight thousand.

utterance: Eighty-eight thousand OK All right and also your tax ID number.

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

utterance: OK.

utterance: Was that eight nine four seven?

utterance: No it was two four nine eight two seven four seven eight nine.

utterance: Uh-huh.

utterance: OK got it sorry about that, thank you.

utterance: That's fine.

utterance: Ok Frank and the address for your business?

utterance: Seven seven eight nine Elm Street, and that's here Los Angeles, California nine zero zero zero eight.

utterance: OK got it. Mailing address is the same as your business address?

utterance: Yes that's correct they're the same.

utterance: OK all right and just to let you know the terms of the loan you can apply for are up to ten years.

utterance: It is a very low fixed interest rate for for the ten year time of two percent so I definitely recommend customer's apply for the ten years because there is no penalty for an early pay off. And so you can decide what you'd like there but what is the loan amount you'd like to apply for?

utterance: Loan amount, let's do one hundred and fifty thousand.

utterance: One hundred and fifty thousand OK

utterance: Ok thank you and then how how how long would you like to carry the loan?

utterance: Well let's let's do the ten ten year term.

utterance: OK yep. Got it and All right there upon approval there will be an immediate down payment due within the first thirty days.

utterance: OK.

utterance: It needs to be between five to twenty percent.

utterance: How much would you like to put down?

utterance: Twenty percent.

utterance: Twenty percent OK

utterance: All right very good I am finalizing the documents to submit them. and I do see here that you also have our business preferred checking account in which case if you'd like that money deposited into that account I have the routing number already. Would you like to have it efunded through the checking account upon approval?

utterance: Yeah that would be more convenient, let's let's do it that way that's fine thank you Renee.

utterance: OK.

utterance: Sure. All right so the application is finalized on my end I just sent you an email confirmation. there will also be a link in there to upload two photo IDs, excuse me two photo documents, one of which is your driver's license the other is your tax ID and that will complete your application.

utterance: OK.

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

utterance: No that's it, thank you for your help.

utterance: Well thank you so much Frank and thank you so much and have a great day.

utterance: Thank you Renee.

utterance: Bye bye.


utterance: Thank you for calling Intelli bank where we value our customers this is Brenda how may I help you?

utterance: Yes I'm wanting to buy a property so I need to see about a loan.

utterance: All right I can do that for you. Whom am I speaking with today?

utterance: It's Jill Baker.

utterance: All right and do you prefer that I call you Jill or Ms. Baker?

utterance: You can call me Jill.

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

utterance: So I've been thinking about expanding my business and opening a warehouse to ship from, so right now we're doing everything from our main location and we just need more space.

utterance: OK I can understand that. Do you already have a property in mind or are you currently looking?

utterance: So I found one that will work for us, I just need to find out about a loan for it.

utterance: OK and are you currently a customer with Intellibank Jill?

utterance: Yes all my business accounts are with Intellibank.

utterance: OK Jill can you tell me your account number?

utterance: It's three four six, zero two, nine nine eight do you need my social too that's eight four seven, two zero, nine three zero zero.

utterance: Thank you Jill. I I only need you account number right now but we'll have you give me your social again here in just a minute OK? what is the name of that business that you own?

utterance: It's Johnson Controls.

utterance: OK Jill and what is your date of birth?

utterance: My date of birth is March second of nineteen eighty.

utterance: OK Jill, it looks like your account has a four digit PIN code for security purposes could you tell me what that PIN number is?

utterance: It should be six four seven eight.

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

utterance: I'm in Kansas City Missouri.

utterance: And what is your street adjust I'm sorry, street address Jill?

utterance: My street address is five three nine Houghton Road in Kansas City.

utterance: OK and what is your ZIP code there?

utterance: Seven three eight, eight two zero.

utterance: I'm sorry you said seven three eight, eight two zero. Is that correct?

utterance: I'm sorry it's seven three eight two zero.

utterance: That's all right. can I also get a social security number for you?

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

utterance: Thank you Jill and what is your driver's license number?

utterance: my driver's license number is M as in Mary, nine three seven, zero zero two zero zero.

utterance: Thank you and what state do you have that license out of?

utterance: it's Kansas but I live in Missouri we moved about a year ago, I just haven't changed it yet.

utterance: That's not a problem Jill. let me ask you, are you the only owner of the business?

utterance: It's an LLC but I'm the only owner on the LLC if that makes sense.

utterance: Yes, I understand what you're saying here. can you tell me when that business opened?

utterance: It was October nineteenth of two thousand and twelve.

utterance: All right Jill and real quick here what does your business gross annually? Do you know do you happen to know what that is?

utterance: Oh yes I do. so, annually we gross about five hundred thousand.

utterance: OK and Jill can you also give me your tax ID number?

utterance: yes my Missouri tax ID is seven three eight, eight two nine zero.

utterance: OK thank you Jill and I just wanna verify again the name of the business is Johnson Controls, that's correct? It's Controls not Control correct?

utterance: Yes that's right. It's Controls with an S.

utterance: OK and what is the address of the business?

utterance: the address is eight three seven two Hillshire Way in Kansas City, Missouri. It's eight three six seven two.

utterance: Thank you for that real quick here Jill got just get a couple more things from you here real quick and then I'll get you set up with with that, let me see here one second. So it looks like you have an email on the account. Can you confirm that email for me?

utterance: Yes, it's J as in Jen or Jill Baker at Johnson Controls dot com. That's Johnson Controls with an S again dot com.

utterance: OK Jill just verifying that real quick here with you. So we've got that Johnson J Baker at Johnson Controls dot com OK and where do you receive your mill at Jill, I'm sorry your mail at Jill, is that the business address or your home address?

utterance: You can just send everything to me at the business that's where I get most of my mail.

utterance: OK and just to confirm real quick you're seeking a loan to buy another property, is that correct?

utterance: Yes it's a warehouse. I'm trying to buy a new warehouse.

utterance: All right Jill and do you know what the property is currently listed at or do you know how much you are looking to borrow?

utterance: Yeah the property's listed right now at a hundred and ninety thousand so that's probably what I need to borrow.

utterance: OK and are you gonna be putting anything down towards that loan?

utterance: I could probably do like five percent down.

utterance: All right let me do some math here. So five percent on that would be about nine thousand five hundred dollars, is that correct?

utterance: I could probably actually do ten ten thousand down if that was OK.

utterance: Yeah so you're saying ten thousand and what term are you looking at for that loan?

utterance: Can I do like a twenty or a thirty I mean it just depends on the payment but I'm thinking probably twenty or thirty years.

utterance: All right Jill can you give me the address of that property you're interested in right now? I know you haven't confirmed that address yet but just so I can go ahead and add it into this loan.

utterance: the one where we're looking at it's four zero two eight, and that's North Heights it's downtown by the new stadiums. Do you know where that's at?

utterance: yeah, I do where that's at. I'm actually in Kansas City as well.

utterance: it's actually in Parkville it's it's a great little area downtown. There's there's a bunch of new businesses popping up around that stadium. So have you been to the stadium since it reopened?

utterance: I I have not had a chance to go check anything out there. I've driven by and it's a really really nice area.

utterance: Oh yes it's really nice. There's like six restaurants in it too and a coffee shop . they've got bunch of little boutiques in the stadium as well.

utterance: Yeah it's a it's a very modern looking architectural style for that building I even liked the landscaping that they have outside. They have some some just kinda cool a cool hedge design there with the landscaping as well.

utterance: Yeah oh yeah it's it's very it's very cool. I don't go to a lot of sporting events but I do like to check out the restaurants and there's like this really cute jewelry boutique that I enjoy going to that's right inside the stadium.

utterance: Oh well I'll definitely have to check that out Jill. Jill actually I'm gonna go ahead and I'm gonna send all this through just to see if we can get a pre-approval for you on this loan OK this may take just a few moments would that be all right?

utterance: Yes that's fine, thank you.

utterance: All right Jill gimme just a moment.

utterance: OK Jill so it looks like I got the pre-approval for this loan for you what I'm gonna go do now is I'm gonna go ahead and send you through to speak with one of our loan agents and then they will gather some additional information and work on processing that loan for you OK?

utterance: OK thank you.

utterance: Jill was there anything else I can do for you before I transfer you?

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

utterance: No problem Jill. Thank you for choosing Intellibank.


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

utterance: Hi there, I'm just doing some last minute holiday shopping and have been trying, and have been trying for hour to get in touch with an agent over the phone. But keep getting cut off the reception in here is so terrible. I had to go outside to make a call, I need to apply for a term loan please.

utterance: Absolutely sir, I can go ahead and set up a term loan request through our system over the phone. I'll need to get a little bit of information from you first.

utterance: All right, that's all right.

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

utterance: Yes, my first name is William.

utterance: And your last name sir?

utterance: Grayson.

utterance: All right sir, next could you give me your street address?

utterance: Yes, my street address is thirty-five seven eight Clinton Street.

utterance: In what city?

utterance: It's in Little Rock.

utterance: And the state?

utterance: Arkansas.

utterance: And what's that ZIP code sir?

utterance: Seven two two one one.

utterance: All right, thank you so much Mr. Grayson. Could you also give me your social security number please?

utterance: Yes, my social security number is four three two eight six three nine six nine.

utterance: OK, sir that was four three two eight six three nine six nine.

utterance: Yes ma'am.

utterance: All right thank you so much. And what was your driver's license number please?

utterance: My driver's license number is four eight two two one nine one nine four.

utterance: In what state sir?

utterance: that right there is in Arkansas.

utterance: All right sir, so that was four eight two two one nine one nine four, in Arkansas.

utterance: Yes ma'am.

utterance: Thank you sir. And could you give me the PIN associated with this account?

utterance: Yes. Five five two three.

utterance: All right sir, yes that's all authenticated in our system, thank you so much for that. And what is the email address you'd like to list on file with us?

utterance: I would like to list Grayson W S A W twenty ten at Gmail dot com.

utterance: All right sir, thank you so much for that. And could you give me your business name please?

utterance: Yes. Shuck's Auto Supplies.

utterance: All right, that was Shuck's Auto Supply?

utterance: Yes ma'am.

utterance: OK, sir. Thank you so much, and are you the sole owner of this business?

utterance: Yes, I am.

utterance: OK, and when was this business established?

utterance: It was established on nine five of two thousand ten.

utterance: OK, sir thank you for that. And what is your estimated gross annual sales?

utterance: two two hundred and twenty-five thousand.

utterance: Two hundred and twenty-five thousand.

utterance: Yes.

utterance: All right, thank you sir. And could you list your tax ID number please?

utterance: Yes, my tax ID number is five six five four three four six six zero.

utterance: OK, sir you said five six five four three four, six six zero.

utterance: Yes.

utterance: All right, thank you so much sir. And could you give me your business address please?

utterance: Yes. Five fifty-one Lincoln Drive.

utterance: And what city sir?

utterance: Little Rock.

utterance: And the state?

utterance: Arkansas.

utterance: And what's that ZIP code please?

utterance: Seven two two one one.

utterance: All right, thank you sir. And how would you like your mail sent out of for this loan request. Would you like that via home or business?

utterance: Sent to my business.

utterance: OK sir, let me verify that business address please, that was the five five one Lincoln Drive, Little Rock, Arkansas. With the ZIP code of seven two two eleven.

utterance: Yes.

utterance: OK, sir thank you for that. And what amount would you like this loan application for sir?

utterance: thirty-five thousand please.

utterance: OK, thirty-five thousand.

utterance: Yes.

utterance: All right sir. And what is the purpose of this loan?

utterance: construction.

utterance: All right sir, for construction. And what is the desired term for this loan?

utterance: five years.

utterance: OK, so you're requesting a five year loan term.

utterance: Yes.

utterance: OK sir. Could you hold on for one moment, while I complete your loan application in our system please?

utterance: Sure.

utterance: So Cassandra, how has your day been so far?

utterance: Oh, it's been pretty good sir. I'm actually been getting a lot done before the holidays, so I hopefully won't be last minute shopping this year.

utterance: Oh, so you never complete your shopping yet?

utterance: No sir I haven't completed my shopping, and I actually I've only started. I started in January actually of last year to get a couple of sales. But I kinda skipped the rest of the year so.

utterance: Oh. Well I hope you get it done.

utterance: I hope so too sir, and I hope you get yours done as well.

utterance: Why thank you.

utterance: Yeah.

utterance: All right Mr. Grayson I've gone ahead and submitted your application in our system you will need to send in some supporting business documents before we can actually complete this loan request. I will send in email information for you, and also send in this paper work request via mail to your business address as requested. And after we get your information in, we'll get back to you with the results of your application sir.

utterance: All right.

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

utterance: no that would be it.

utterance: All right, thank you so much Mr. Grayson for your time and patience. Again my name is Cassandra and I hope you enjoy the rest of your day sir.

utterance: You too.

utterance: Thank you sir. Bye, bye.

utterance: Bye, bye.


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

utterance: Hello. My name is Charlene. And I've been making a couple of transfers, but I find it's really hard because I keep forgetting my PIN from time to time and I don't know how I can resolve that issue.

utterance: All right. No problem Charlene. I can go ahead and change your PIN number. Would you like that?

utterance: Oh, that would be nice. If if it's possible.

utterance: Yes of course. We can go ahead and do that. first can I ask you for your name and date of birth please?

utterance: OK. My name is Charlene Peterson. And my date of birth is on the twenty-ninth of December nineteen ninety.

utterance: All right. Thank you for that. And can I also get your account number so I can call up your account?

utterance: Just give me a minute let me go check check check check on check on it.

utterance: All right. No problem.

utterance: OK. My account number is three five oh six six eight seven nine two four oh. I think I made a mistake. Can I repeat that again?

utterance: Yes you can.

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

utterance: All right. So just to confirm that is three five four six six one seven nine two four?

utterance: Yes. That's the correct one.

utterance: All right. Thank you for that.

utterance: All right. So now can I get your current PIN number please?

utterance: OK. My current PIN number is one nine six zero. Yeah. That's the current one. Let me check.

utterance: Problem?

utterance: Oh yes. It's one nine six zero.

utterance: One nine six zero. OK. And what is the PIN number that you would like to change it in to?

utterance: OK The new one is three five four six. It will be easier for me to remember that one.

utterance: All right no problem. So just to confirm, three five four six?

utterance: Yes.

utterance: OK.

utterance: And in order to make this change, can I also get one more piece of information from you? Can I get your credit card number please?

utterance: Yeah. Give me a minute. Let me look. For it.

utterance: Sure.

utterance: OK. My credit card number is four nine nine three eight one three two seven five five two two two four.

utterance: All right. Thank you so much for that. I have confirmed your account and I have updated your PIN number.

utterance: Oh, thank you. Now and how long will will it take for me to start using this new PIN?

utterance: So you can use it right away. So as soon as we hang up the call you can use it for online banking or to make any transfers.

utterance: OK. And what about if I What about the old one? Will it work? Even after I've changed to a new PIN? Like, if I go use it now it will it still work?

utterance: So unfortunately your old PIN will not work anymore. You'll only be able to access your account using your new PIN.

utterance: That's nice to know.

utterance: Yeah of course no problem. And is there anything else I could help you with? Any other piece of information that you'd like updated?

utterance: No. That's it for today.

utterance: All right no problem. Have a great day.

utterance: Thank you. You too.


utterance: Hello! And thank you for calling Intellibank. This is Jacoby. How my I may be of service to you today? Sorry I stumbled on that I how may I be of service to you today?

utterance: it's no problem Jacoby. thank you, I appreciate the the bright greeting, day's been a bit hard. I'm looking at some overdrafts. I I didn't understand how I got these overdrafts, I thought I had a little bit more in my account before obviously these alerts came through. But I guess the bright side of all this is recently got paid, direct deposit though. Few other things happening. I'm just not sure not sure if I'm still you know, in the in the proverbial red on the account. had like a wild weekend in Vegas and I'm you know, sometimes you get a little carried away out there. You know, it's maybe it's the heat, maybe it's the maybe it's the alcohol, maybe it's the just the the sense of gambling. Maybe it's just being locked in those buildings where you don't know what day it is, what time is is, what's up, what's down. The oxygen they pump in, I'm I'm not not sure. but you make the most of it at least, and now I may have made the least of it moving forward, and I just kind of am a bit a bit bit lost. Hopefully I'm not underwater with any of this, yeah, I don't know what what could be done to kind of either alleviate these overdraft charges make sure you know, I'm of out of the red. If there's any overdraft protection?

utterance: Well we we we do get a lot of these calls, so you know, you're not alone. This happens quite a bit, so nothing to be ashamed of. let's access your accounts here and see where you're at. let's start with your full first and last name as it appears on your accounts, and your date of birth.

utterance: On my account?

utterance: All right. first last, Gordon Chris. And date of birth is September fifteenth nineteen eighty-six.

utterance: All right and I'm gonna need your four digit PIN.

utterance: Yep that's six one four eight.

utterance: OK so it's shows me here that you have both our Business checking account and our Intellibank Business Gold credit card. let's go ahead and first pull up the checking account. I'm gonna need your six digit account number.

utterance: Yep. it's four nine wait, hold on hold on, I spilled something on this. .

utterance: no problem.

utterance: Take your time, take your time.

utterance: Oh, here we go. four nine six one.

utterance: All right. well yeah, unfortunately it looks like you are overdrawn in the checking by eight hundred ninety-six dollars and thirty-four cents.

utterance: will you be paying that today?

utterance: oof, oof, that's a that's big question. Am I gonna be able to pay that today ?

utterance: I guess it. What's in the business account? If we could check that?

utterance: Well, you cannot pay for your checking account balance with your credit card. But I can check to see how much is available to you on your credit card, check that balance for ya. and you're if there is a balance then you can get cash back off of that and deposit that into your account, if that's something that interests you? I just need the sixteen digit account number.

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

utterance: All right. Well it looks like you still have an available line of credit on this card of twelve hundred thirty-seven dollars and ten cents.

utterance: OK, OK.

utterance: So if is there anything else that I can do for you today?

utterance: no, right now that that seems to be it. That should be able to me till I figure out how to how to how to pay off that overcharges,

utterance: Oh it happens to the best of us, I I completely understand.

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

utterance: I'll try.

utterance: Thank you. Bye.


utterance: Good afternoon, Daniel speaking, Intellibank

utterance: Hi, I'm hoping you can help me with this because I called earlier and I think when I got my account balance earlier it was wrong I just wanted to call back and make absolute sure that you guys have the right balance.

utterance: OK I can certainly help you with that could you give me your name please and we can go off of the last time that we talked?

utterance: yeah, it's Fred Roser.

utterance: Hey Mr. Roser, could you spell out your last name for me please?

utterance: Yes, it's R O S E R.

utterance: R O S E R.

utterance: I don't know if you guys have like a log of calls or anything like that but it was it was about an hour ago that I I I called last time.

utterance: Yes, so you may have spoken to one of the other representatives at our bank but I'd be happy to on this matter now so thank you Mr. Roser again and could you provide me your date of birth please?

utterance: Sure, it's four, fifteen, eighty-eight. and I've been an Intellbank customer for fifteen years, this is the first time I've ever had call you guys back a second time.

utterance: First time to call is to call us back and the second time I see I see it's it's Intellibank by the way.

utterance: Intellibank sorry.

utterance: Yeah, no worries.

utterance: Sorry about that.

utterance: No worries that people, people call it Intellbank all the time we just wanna for copyright reasons because you know Intel is a big software company but regardless so just for one more verification purposes could you provide the account number of your.

utterance: Yeah, it is eight, six, three, one Five two eight, four.

utterance: Mhm.

utterance: Mhm.

utterance: Three seven two one six five two zero.

utterance: So it's six five two zero is the last four?

utterance: That's correct, yes.

utterance: OK, got it.

utterance: You guys are you all at the same call center there? Where are you guys at are you all at like a central location?

utterance: So we are all actually based in different locations though. Where I'm based right now is Tulsa, Oklahoma actually. Yeah. So.

utterance: Oh got ya.

utterance: Yeah, how's the weather over there?

utterance: Yeah, it's Late October but it's still quite, it's it's it's in the low eighties right now so. Likely warmer than than where you are. So yeah, it's pretty nice out here. Thank you for asking though. OK Mr. Roser we can definitely get you access to your current account balance now and just give me one second to pull it up and right now your account balance is showing fifteen thousand eight hundred and thirty-one dollars and thirty-seven cents.

utterance: Oh that's lovely.

utterance: Is that my checking or savings?

utterance: This would be your checking account sir, this is the number the account number that you provided me so.

utterance: OK that's what that's what happened so last time I must have given them the wrong account number. I must have given them the savings, and that's why why that didn't work out.

utterance: I see.

utterance: Could you actually repeat the account balance?

utterance: Absolutely sir, so the current account balance as of this afternoon is fifteen thousand eight hundred and thirty-one dollars and thirty-seven cents.

utterance: And to just make sure I have this right, that's for account eight six three one five two eight four three seven two one six five two zero?

utterance: That is correct Mr. Roser.

utterance: Alright. and the last person that I talked to said that I could also get this information online. is that true?

utterance: That's correct if you have an online banking account with us you we can certainly that that is an easy thing to access online once you have I'm logged in user name and password.

utterance: Gotcha, you know I have it but I've never used it so I next time I may give that a try instead of bothering you guys over and over again.

utterance: As I said Intellibank is here for you whenever you need and we are more than happy to assist you over the phone if you want to talk to us directly or if you would like to be you know save a little bit of time and go online for your convenience that's also great.

utterance: Well you've been great, much better than the first person I talked to today Hope he's not a friend of yours or something like that.

utterance: Well thank you so much Mr. Roser for your time and if there is anything else I can assist you with please just let me know.

utterance: Thank you so much, no this'll this'll do it.

utterance: OK, well you have a nice rest of your day and please you know don't hesitate to reach out with any other questions.

utterance: You have a good one as well, thank you, take care.

utterance: Thank you.


utterance: Good afternoon. My name is Monica and I will be assisting you on today's Intellibank call. How may I best assist you?

utterance: Jeez.

utterance: You all right?

utterance: No, no,

utterance: No, it's it's fine. Just my, my nose has been running all day. It's driving me nuts. Just got this weird like itch in the back of my throat. My legs hurt. Not sure what's going on. Just ugh.

utterance: Oh no.

utterance: Oh.

utterance: Doesn't sound good.

utterance: No I

utterance: Feel I feel miserable. And just my neck it just won't ugh, yeah I have like a stiff neck. There's nothing worse than a a stiff neck. You don't realize how much you turn you know and every day, until you're trying to do it. And it's just you can ya.

utterance: Mhm.

utterance: Yeah, it sounds like you're not feeling so well.

utterance: No,

utterance: It's awful.

utterance: Well let's get you going so you can maybe go lay down and rest.

utterance: Yeah.

utterance: Yeah, OK.

utterance: So there's two things I need. First I need to update my email. Then I need to check about a income debt ratio.

utterance: Income debt ratio?

utterance: Yeah, I wanted to get my debt income ratio.

utterance: All right, well I can do that of you today.

utterance: Great.

utterance: Let me start by getting your first and last name.

utterance: Mhm.

utterance: All right. First name is Larry. L A R R Y. is Jameis. J A M E I S.

utterance: OK. Great. And will I be finding you under Larry or Laurence?

utterance: Just Larry.

utterance: OK. Great.

utterance: Not Laurence.

utterance: And may I have your four digit security PIN you established?

utterance: Yeah,

utterance: It's eight two four three.

utterance: My phone number is eight one eight two one three four.

utterance: Oh thank you for that.

utterance: I actually don't need that. So thank you though.

utterance: OK. I found you. The only thing I need to verify is your date of birth.

utterance: Yeah, it's August sixteenth, nineteen ninety-five.

utterance: OK, great. Nineteen ninety-five. OK.

utterance: That's it.

utterance: All right, I am able to pull up your information that way. OK. So you want to update your email address.

utterance: Yeah, I wanna update my email and also just figure out the the debt ratio.

utterance: Got that.

utterance: All right. So I do see you carry a couple of accounts with us. You have your checking account. Your savings account.

utterance: Uh-huh.

utterance: And I also see that you have your term loan with us. Will we be updating the email for all accounts?

utterance: Yeah

utterance: Just everything.

utterance: OK. Not a problem.

utterance: All of it. One thing.

utterance: OK. So the old address I see is fire dancer ninety-six at Gmail dot com. Would you like that removed or done as a secondary email?

utterance: Mhm.

utterance: let's remove it.

utterance: OK. Great. Let me just go ahead and take that out.

utterance: I'm just gonna go into three different screens, so bare with me. I, you will hear some silence for about fifteen seconds.

utterance: Thank you.

utterance: OK. Great. Thank you so much for holding. All right, so I did delete that. Now, what is the new email address?

utterance: OK.

utterance: All right. It's Larry.

utterance: Mhm.

utterance: Then it's Larry again.

utterance: Larry Larry.

utterance: And then it's Larry a third time. Larry Larry Larry, at AOL dot com.

utterance: OK.

utterance: OK. Great.

utterance: All right.

utterance: So what what let me ask you with the the debt ratio thing. What am I looking at here?

utterance: Well, I'm still updating your email address. So just bare with me while I do that.

utterance: OK. Updated your checking. Updated your savings and your loan account. Oh.

utterance: Great.

utterance: Great. Larry.

utterance: Larry Larry's all .

utterance: Larry

utterance: Larry Larry at AOL dot com.

utterance: That's it.

utterance: Thank you.

utterance: OK. Terrific and now you wanted to talk about debt to income ratio?

utterance: Yeah, I just want to get it.

utterance: OK. Do you have any questions about what that is or do you just want me to just go ahead and figure that out for you?

utterance: I don't really, yeah, just just want to get it.

utterance: OK. Great. And I'm happy to do that. Just know that this information is also available to you online. On our mobile app. or of course if you walk in to a branch.

utterance: All right, so I'm looking at your current debt.

utterance: Yeah.

utterance: Your payments. I'm just calculating right now.

utterance: And it's a ideally you'd want to be at twenty percent or less. And I'm happy to report that you've been doing an outstanding job on your payments.

utterance: Great. So I got nothing to really worry about.

utterance: No your your payments are early. Their well above the minimum balance. So your income to debt ratio is coming in right now at a fabulous fourteen percent.

utterance: Oh,

utterance: Great.

utterance: All right. So I think that should be it. I appreciate it. Thank you.

utterance: Well thank you so much, Larry Larry Larry. And you have a wonderful day. Thank you for calling Intellibank.

utterance: Just call me Larry.

utterance: OK.


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

utterance: Hello. How are you?

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

utterance: Great! I would like to schedule an appointment with a tax specialist. I'm being audited.

utterance: Oh. Sorry to hear that sir. Sure I can help you with that. Can I get your name please?

utterance: It's Alexander Lopez.

utterance: And your date of birth sir?

utterance: Six six sixty-two.

utterance: And your driver's license number, please.

utterance: can you hold on for a minute please?

utterance: Absolutely sir.

utterance: All right. OK. It's. L six three two. Five one four. Six nine. Dash zero.

utterance: That was L six three two. Five one four six nine dash zero?

utterance: Yes.

utterance: and I'm sorry sir, but I also need your account number.

utterance: K. Can you hold on one more time?

utterance: Sure.

utterance: All right. OK. So, the account number is two six one five six two. Seven two nine eight.

utterance: That was two six one five. Six two seven nine two eight?

utterance: Yes. That's correct.

utterance: Thank you sir and what date would you like?

utterance: lemme see. I'm a look at my calendar. Hang on a second.

utterance: Sure. Absolutely.

utterance: I'm gonna say eleven ten.

utterance: November eleven? Sure.

utterance: Yes.

utterance: I have that date available. Absolutely sir.

utterance: Please.

utterance: Thank you.

utterance: And what time would you prefer?

utterance: Let's say. Let's shoot for nine a.m.

utterance: Nine a.m.?

utterance: Yes, ma'am.

utterance: All right. Nine a.m. on eleven ten.

utterance: Yes.

utterance: OK. I do see that I have that date available.

utterance: Great!

utterance: And, how would you like to conduct the meeting? In person or by phone?

utterance: I'm really busy. I don't have time to really meet up. we'll have to do it over the phone.

utterance: absolutely and let me just go ahead and verify your phone number.

utterance: Sure.

utterance: just bear with me a second while my system does a quick update OK?

utterance: Sure!

utterance: so, how's your day going?

utterance: it was going OK until I found out about this, that I was being audited. Then, it just ruined everything.

utterance: I'm sos sorry to hear that sir.

utterance: Yeah. Me, too.

utterance: I understand. OK. So, I do see a phone number here on file with an area code of nine five two. Six seven one. Three five five five. Is that correct?

utterance: Uh-huh.

utterance: Yeah. That's going to be the best number to reach me at honey.

utterance: OK. Perfect! All right. Would you Not a problem sir. So, you're going to receive an email confirmation. and you're going to receive a phone call approximately at nine a.m. on eleven ten. OK. Was there anything else I can do for you today?

utterance: Yup.

utterance: that's about it. Thank you very much for your help.

utterance: Oh! you're. You're absolutely welcome sir and thank you again for calling Intellibank. You have a great day.

utterance: You've been very helpful.

utterance: OK. You too.


utterance: Thank you for calling Intellibank. This is Steven.

utterance: How may I assist you today?

utterance: I need to schedule a payment for my loan.

utterance: OK. I can certainly help with that.

utterance: Can I have your name please?

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

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

utterance: May twelfth, nineteen sixty.

utterance: And, your security PIN number, Mr. Thomas.

utterance: One zero six two.

utterance: Thank you. And, then can I have the account number for the loan you were making a payment for?

utterance: hang on a second. Let me get it.

utterance: No problem. Take your time.

utterance: OK.

utterance: I got it.

utterance: All right, sir.

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

utterance: All right. That's seven three zero six nine five six eight two nine. Did I get that right?

utterance: Yes.

utterance: All right. And can I have the account number for the account you will be paying that with?

utterance: Two zero nine zero two one eight four two zero.

utterance: All right. Let me read that back. That's two zero nine zero two one eight four two zero.

utterance: That's correct.

utterance: OK. Thank you. And, the routing number for that account?

utterance: Nine one eight eight one nine seven three nine.

utterance: Thank you. That's nine one eight eight one nine seven three nine, correct?

utterance: That's correct.

utterance: All right. Perfect.

utterance: And, how much would you like to make this payment for?

utterance: A hundred dollars.

utterance: OK. So, we have one hundred dollars being paid from the account that you provided with me paying your loan balance. Was that correct?

utterance: That's correct.

utterance: All right, great. And, what date would you like for this to go into effect?

utterance: next Tuesday.

utterance: OK. Give me just one moment while I process that.

utterance: All right. So, I have gone ahead and processed a one hundred dollar payment to that loan.

utterance: And, you will see that reflected on your account as of next Tuesday.

utterance: All right. That sounds great.

utterance: All right, sir. And, would you be interested in getting some information about our online banking which would let you schedule your loan payments at your own convenience in the future?

utterance: yes. Is that something that you could help me with?

utterance: It certainly is. Did you have any other questions about it or would you just like to set that up?

utterance: I believe I'd like to set it up.

utterance: All right. I can certainly do that. And, give me just one moment here and let me bring up that screen.

utterance: OK.

utterance: And, can I have you confirm your email address for me, Mr. Thomas?

utterance: Thomas customs at Gmail dot com.

utterance: All right. That's Thomas customs at Gmail dot com, correct?

utterance: That's correct.

utterance: All right, perfect.

utterance: And so I have got a user name and a temporary password for you, if you would like to write these down.

utterance: OK. Hang on a second while I get something to write with.

utterance: Certainly.

utterance: OK. I'm ready.

utterance: All right, sir. Your user name is going to be D Thomas. zero four. And, that's D T H O M A S and the number zero and the number four.

utterance: OK.

utterance: All right. And, your temporary password will be two four capital E capital Y nine capital L.

utterance: OK. I've got that.

utterance: All right. So, all you'll need to do now is go to Intellibank dot com and in the top right hand section there would be a button that says log in. If you'd just click that button it will ask you to input that information and then it will prompt you to create your own unique password.

utterance: And, it will then guide you through the rest of the set-up process.

utterance: That sounds great. Will I be able to pay bills out of my online billing or online banking?

utterance: yes, sir. If you have a checking or savings account with us that you would like to make a bill payment from you will be able to manage those accounts as well. And, you can absolutely make payments from them or get bank documents and statements. there's also information on there about our other services and loans that we offer and you can apply for those there as well.

utterance: OK. And, is there a fee for making online bill payments?

utterance: There is not, sir. Online bill pay is a free service we offer to our customers.

utterance: That sounds great.

utterance: Yes, sir. It's definitely one of the biggest things I tell our customers to take advantage of. Our online banking makes it very convenient to take care of your financial needs.

utterance: All right. Thank you.

utterance: Thank you, sir. Is there anything else I can assist with?

utterance: I don't believe so.

utterance: All right. Well, you have a fantastic evening and thank you for calling Intellibank.

utterance: All right. Thank you.

utterance: Thank you and goodbye.


utterance: Hi this is Jess Jones at Intellibanking. How can I help you today?

utterance: Hi Jess. all right here's the deal.

utterance: I got something in the mail.

utterance: and I signed my company up with you all and your services. And I got some. Like y'all are changing the rates or something like that. So I would like to speak to a specialist or something.

utterance: OK well it sounds like you'd speak to one of our risk specialists. And I can go ahead and set you up with that.

utterance: I guess that's. Yeah.

utterance: OK can I start by getting your full name please?

utterance: Yeah absolutely. Aaron A A R N.

utterance: OK. And.

utterance: Yeah I'm sorry.

utterance: Oh gosh. I got another fucking rookie. Aaron Greene. That's gonna be E at the end of the N. Aaron Greene.

utterance: OK great.

utterance: How long you been working with the company?

utterance: I've been here for two years now.

utterance: OK.

utterance: OK Aaron so I I'm gonna go ahead and pull up your account. Can I start by getting your credit card number and your PIN number please?

utterance: Yeah Which one do you need first? I'm sorry. I I it took me two hours to get to you. OK.

utterance: Y'all had me on hold for way too long.

utterance: I'm so sorry to hear that. We have had an abnormally long queue today.

utterance: Yeah.

utterance: Our system has been down for the last few days so it seems like everyone's trying to get their request in today.

utterance: OK.

utterance: What do you need?

utterance: just your credit card number and your PIN number please.

utterance: One second.

utterance: Five three nine one eight six five one four five three three five zero zero zero.

utterance: And would you mind repeating the last four digits for me?

utterance: Gosh. Five zero zero zero.

utterance: OK so that was.

utterance: What kind of training program do y'all have because between the fucking operator and the customer service I I I hate calling you guys.

utterance: I really genuinely hate calling you guys.

utterance: I'm so sorry that that's been your experience with us.

utterance: We strive to give the best customer support that we can. And we do actually go through a few months of customer support training.

utterance: Yeah nice.

utterance: so just to clarify your credit card number was five three nine one eight six five one four three five three five zero zero zero zero.

utterance: Five zero zero zero.

utterance: And the last four is five zero zero zero.

utterance: That's the last four. Should be three zeroes at the end.

utterance: OK OK.

utterance: Yeah.

utterance: And what was your PIN number?

utterance: Twenty-eight ninety-nine.

utterance: Twenty-eight ninety-nine.

utterance: Yeah. Also I provided all of this info to the operator. Why do I have to repeat it?

utterance: every time you call in you have to verify just so we can know that you are in fact the person who's trying to gain access to your account.

utterance: So what's the point of me giving the operator the same information?

utterance: Did you speak to the operator today?

utterance: I did. And they put me on hold for two hours. And now I'm here giving the same exact information that I did two hours ago.

utterance: I'm sorry to hear that. You must have been speaking with another receptionist. it sounds like maybe your call was disconnected and it just put you at the beginning of the loop.

utterance: Got it.

utterance: But I can go ahead and get your information now so we can schedule this as quick and painlessly as possible.

utterance: Go ahead.

utterance: OK so to go any further I need to verify some security questions for your account.

utterance: Go ahead.

utterance: OK. you answered two security questions when you set up your account so I'm just gonna ask those now.

utterance: Go ahead.

utterance: OK what is your favorite food?

utterance: Shrimp scampi.

utterance: OK and what street did you grow up on?

utterance: I grew up on fifth street. I'm a New Yorker.

utterance: OK great. Thank you for verifying that for me. I am able to pull up your account. Give me just one moment please.

utterance: Great.

utterance: OK I am in your account right now. And I'm also pulling up our scheduler so I can get you set up with one of our risk specialists.

utterance: OK.

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

utterance: Yeah I wanna get this shit over with as quick as possible.

utterance: OK so let me check on our next available appointment.

utterance: OK so we do have some availability tomorrow. Is there a specific time of day that you'd like to speak with someone?

utterance: Quick as possible ma'am.

utterance: OK our earliest appointment is nine a.m.. Does that work for you?

utterance: Yes.

utterance: OK so I'm scheduling you for tomorrow at nine a.m.. And did you want this to happen online, by phone, or would you like to come in?

utterance: You you you

utterance: Think I wanna come in in person?

utterance: So you'd like to do that by phone?

utterance: Please.

utterance: OK can I get the best phone number to reach you at?

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

utterance: OK and that's three one zero four two six six nine five four.

utterance: You're on it.

utterance: OK great so I do have you in the system. You're scheduled. Be on the lookout for a call.

utterance: we don't need anything else from you on your end right now. So if there's anything else you need I can handle that right now.

utterance: That's it. Talk to you later.

utterance: OK bye bye now.


utterance: Hello. And thank you for calling Intellibank. This is Jordan. How may I help you today?

utterance: Hello Jordan, my name Is Laruga.

utterance: Hello Laruga.

utterance: Hello.

utterance: do you have an account with us?

utterance: I do.

utterance: great. well I'm sure I can help you today with anything that you need.

utterance: Mhm.

utterance: Mhm.

utterance: but first we need to start by getting into that account.

utterance: OK.

utterance: So can I please get your full name.

utterance: Mhm.

utterance: first and last.

utterance: Mhm.

utterance: As it appears on your account?

utterance: Certainly that would be Laruga Gloogorio.

utterance: All right and can I please get your email address?

utterance: Mm that would be L dot Gloogorio at Gmail dot com.

utterance: great and what is your social security number and driver's license number?

utterance: Mhm that would be four three one two six two one and then D nine eight four two two one seven.

utterance: All right. and I'm just going to need your four digit PIN and then we'll be in the account.

utterance: One four three two.

utterance: Great. All right. What can I help you with today?

utterance: so I will need to know the options as a small business owner what my options are for a corporate credit card.

utterance: Well, we have multiple corporate business cards that we can offer you.

utterance: Mhm.

utterance: Mhm.

utterance: We have our business platinum credit card.

utterance: Mhm.

utterance: We have our business gold credit card.

utterance: Mhm.

utterance: And we have our business silver credit card.

utterance: Mhm.

utterance: how much were you looking for as a limit?

utterance: Well, ideally I I think I would like to apply for all of the credit cards.

utterance: Oh OK.

utterance: Mhm.

utterance: So you would like all three cards?

utterance: Yes.

utterance: well unfortunately we can only process that application for one card at a time. we can only open one account at a time but once you're approved for that first card you can give us a call back and we will be happy to see if we can get you approved for that second card.

utterance: That's not going to work for me.

utterance: OK I'm very sorry to hear that What can I do to fix this situation?

utterance: Instead of being sorry to hear about it you can just allow me to apply for all three at the same time.

utterance: OK well I tell you what I can do for ya. let me get your information for the first card.

utterance: Mhm.

utterance: And we'll apply for that first card. right now.

utterance: Mhm.

utterance: And then I can keep your information on file here. and I can go ahead and apply for those other two cards for you.

utterance: Today?

utterance: later this week.

utterance: Today?

utterance: I'm afraid Monday would be the earliest that we could send in an application for the second card.

utterance: So you're not really giving me the solution that I'm looking for.

utterance: Well, I'll tell ya what. We can go ahead and apply for all three today.

utterance: Mhm.

utterance: But I have to be very upfront with you that that is going to drastically decrease your chances of being improved for the cards.

utterance: Well what will increase them whilst applying for all three simultaneously?

utterance: Unfortunately only way to do that would be to apply for one card.

utterance: Ma'am are you still there?

utterance: I'm still here I'm just considering I'm considering my my one option that you're providing me with.

utterance: Ma'am did I lose you, you still there? Would you like to continue with applying for this card?

utterance: I don't know that I would.

utterance: Well I am very very sorry to hear that. is there anything else that I can help you with today?

utterance: You know what OK I'll just apply for the card.

utterance: OK. Then I am going to need your businesses name.

utterance: Mhm. You know I'm having second thoughts about it actually.

utterance: All right well I'm sorry to hear that. is there anything else I can help you with?

utterance: I think I'll have to call back another time.

utterance: Well sorry again that we couldn't help you today but we are available here twenty-four hours a day seven days a week.

utterance: Me, too.

utterance: Mhm.

utterance: We're available online at Intellibank dot com.

utterance: OK.

utterance: Thank you for calling Intellibank, you have a wonderful rest of your day.

utterance: OK goodbye.


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

utterance: Hi daisy, my business just relocated we have we're downsizing right now. So we had to move to an office space that was more affordable more economical you know? so I'd like to change a piece of personal information on my account.

utterance: Sure I'll be happy to help you with that. Let's pull open your account. What is your full name and address?

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

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

utterance: September twenty-first nineteen ninety-nine.

utterance: And your Intellibank PIN number please.

utterance: It's sixteen sixty-two.

utterance: Thank you. and can you verify your checking account number for me?

utterance: Sure it is zero zero one six three nine two two one seven.

utterance: Thank you George and which piece of personal information will we be changing?

utterance: My address, my business address.

utterance: Your business address OK, I'm ready for the new address.

utterance: It's sixty-three Bluebird Court. That's also in Branson, Missouri five five three two four. and actually Daisy I'm I'm thinking of another address. It's actually eighty-four Bluebird Court. it's still in Branson, Missouri.

utterance: Eighty-four Bluebird Court. Bluebird is one word?

utterance: Yes.

utterance: B L U E B I I sorry B L U E B I R D.

utterance: Yes.

utterance: Court Branson, Missouri.

utterance: Yup.

utterance: The ZIP code?

utterance: five five three two four.

utterance: Thank you. OK, I have made that change in just a second I'll have a confirmation number for you George.

utterance: OK, how's your day going Daisy?

utterance: It's going pretty good we're having beautiful weather so that always makes for a nice day. How about you?

utterance: Oh, us too it's really great down here really hot day.

utterance: All right, I have that confirmation number ready for you.

utterance: OK, I'm ready.

utterance: That number is two two one two three nine eight.

utterance: Two two one two three nine eight.

utterance: Yes, sir.

utterance: All right, I've got it.

utterance: Yeah, can you tell me what the nearest branch location to my new address? And could you also tell me their hours?

utterance: Sure I'll be happy to give you that information. One moment while I do a search here. so you are about one mile from our branch location at one six seven Pittsburgh Way. The hours there lobby is open Monday through Friday nine a.m. to five p.m. Saturday ten a.m. to two p.m. drive-through is open Monday through Friday eight a.m. to six p.m. and Saturday nine a.m. to three p.m.. that location does have an ATM available in it's entryway. It's available twenty-four hours a day. Seven days a week. And it accepts check and or cash deposits.

utterance: OK, and can I update personal information on your guy's online website?

utterance: Yes, you can make changes to your account information right there at the website WWW dot Intellibank dot com.

utterance: OK, I tried to login before but I haven't been able to. So can you help me out there?

utterance: Sure, I see here that you've never actually activated your credentials. Have you never successfully logged in?

utterance: No, I haven't been able to.

utterance: OK, All right, so if it's your first time using Intellibank's online banking you have to click the first time users enroll here link there you'll be asked to read and accept the online banking disclosures and enter your account number, your social, your date of birth, your Intellibank PIN and you'll be asked to create a password. Once you're all logged in you'll be promoted to choose and answer five security questions and also enroll in the one time security code feature. Does this make sense?

utterance: Yeah, that makes sense.

utterance: Would you like me to send it to you in an email?

utterance: Sure.

utterance: All right, you should receive that information momentary. Is there anything else I can help you with?

utterance: Nope, that'll do it.

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

utterance: Thanks bye.

utterance: Bye.


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

utterance: Hi Eric, this is Harvey. I'm looking to set up automatic billing to set up a new business that I am starting.

utterance: All right. Can I first get your full first and last name as it appears on your account?

utterance: Yes it's gonna be Harvey Thompson. That's H A R V E Y last name Thompson, T H O M P S O N.

utterance: All right. And I need your date of birth.

utterance: Is all this information necessary? I mean I'm I'm kind of a hurry, like you can pull up my account just by my phone number or anything when I called?

utterance: Nope, unfortunately we cannot. I'm very sorry that you're in a hurry. We'll do this as quickly as possible but we're also at the mercy of how quickly these computers work.

utterance: OK. No, I just just trying to get to a meeting and I just wanted get this done quickly and, you know, it's just kinda frustrating when you know, we have all this technology and you know I have to give you all my information every time I call, it's it's a little ridiculous.

utterance: I am very sorry about that. But, I can let you know that if you don't want to call every time and give us your info, you can get all of your information and do all of this online at Intellibank dot com.

utterance: OK. I might do that from now on just to kind of avoid this frustration. It's kinda eats away at you when you're on hold for so long and then you have to go through this whole process.

utterance: Oh, not a problem at all. I I'm very sorry to hear that.

utterance: All right, so what do you need from me to get this going?

utterance: so, I already got your name and your telephone number. what I'm going to need now is your account number.

utterance: let's see, the account number I have is one seven four two nine five.

utterance: All right. And what is your four digit PIN?

utterance: my four digit PIN is gonna be two two seven six.

utterance: All right. Now I have your account all pulled up, I'm very sorry for that delay. can I get the name of the person that you'd like to be billing?

utterance: Yes. That's gonna go to Adriana Nelson. that's gonna be A D R I A N A for the first name and the last name, Nelson, N E L S O N.

utterance: All right. And what is their email address?

utterance: email address is gonna be first name dot last name at Yahoo dot com.

utterance: OK. And, what is their account number?

utterance: the account number is seven eight nine five two six.

utterance: All right. And what is their nine digit routing number?

utterance: so routing I have seven two eight nine seven nine one three one.

utterance: OK. And how much, every month, will we be billing them?

utterance: well we're gonna do two thousand dollars per month. to be billed from Adriana to my account, please.

utterance: OK. This is almost all set up. I'm just waiting for this to let me know that it's gone through.

utterance: All right, no problem. sorry if I got short with you earlier. Just kind of skipped lunch and I haven't.

utterance: It's not

utterance: A problem at all. I completely understand. I understand that our wait times can be just too long, quite frankly.

utterance: Yeah, it's unfortunate but at least I got to speak to a real person so that's good.

utterance: thank you. All right. Well, it looks like you are all set. Is there anything else I can help you with today?

utterance: No. I think that was it. I appreciate it.

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

utterance: Thank you.


utterance: Thank you for Intellibank. This is Stephen. How can I help you today?

utterance: I have a wealth management account and I would like to check my balance please?

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

utterance: Dan Thomas. T H O M A S and my date of birth is May twelve nineteen sixty.

utterance: All right. Thank you sir and can I have your security PIN number?

utterance: One zero six two.

utterance: Fantastic. And then can I have the account number for your wealth management again?

utterance: on second thought I'm running a little late I got a dinner party I need to attend and I believe I just wanna get some some quotes on some stocks.

utterance: OK I can certainly help you with that. give me just one moment here while I change my screen. All right and what is the stock symbol that you'd like to get a quote for?

utterance: The first one is LCR.

utterance: All right sir and that is Leuthold Core. Is that correct?

utterance: That's correct.

utterance: All right it is currently trading at thirty-two dollars and forty-eight cents. OK.

utterance: the next one is PATK.

utterance: All right sir and that is Patrick Industries. Is that correct?

utterance: That's correct.

utterance: All right and it is trading at seventy-eight dollars and twenty-nine cents per share currently.

utterance: OK. The next one is CQQQ.

utterance: All right sir and is that the Guggenheim China Technology. ETF?

utterance: Yes.

utterance: All right and see that is trading at sixty-nine dollars and thirty cents currently.

utterance: OK. The next one is CNSP.

utterance: OK and is CNS Pharmaceuticals. Is that correct?

utterance: That's correct.

utterance: OK it's trading at a dollar fourteen per share currently.

utterance: OK. And the last one is YLD.

utterance: All right and looks like that is the Principal Active High Yield ETF. Is that correct?

utterance: Yes.

utterance: All right it's trading at twenty-one dollars and forty-nine cents.

utterance: OK. I do appreciate it. How's your day going so far?

utterance: My day is going pretty good so far sir. How is yours?

utterance: Oh not too bad.

utterance: All right. Well that's great. And Can I interest you in getting more information about our online banking so that you can check these stock quotes up to date at any time in the future at your own inconvenience.

utterance: that'd be great.

utterance: All right. Well yes we do offer online banking to all of our customers as a free service. And you can log in to that on any internet connected device and manage most aspects of your account, as well as get financial advice and follow any stocks or get a any quote on any stocks instantly at the current market value.

utterance: OK. And is it something that you could help me set up today?

utterance: It absolutely is sir give me just one moment while I switch screens again. Looks like my computer has decided it's gonna run a little slow. I do apologize.

utterance: No problem.

utterance: All right. I've got that screen loaded and can I have your email address sir?

utterance: Thomas Castams at Gmail dot com.

utterance: Thank you and is that the email address that you'd like associated with your online banking account?

utterance: yes it is.

utterance: Fantastic.

utterance: All right. And then I have got a username here for you and a temporary password. If you'd like it to write that down.

utterance: OK just let me get something to write with.

utterance: No problem just let me know when you are ready.

utterance: OK I am ready.

utterance: All right sir. So your username is going to be thethomas six nine six.

utterance: OK. And your temporary password will be L oh sorry I'm sorry capital L capital Y eight one capital P seven.

utterance: OK. I've got that written down.

utterance: All right great. And so all you'll need to do to finish the process is go to the Intellibank dot com web page, on the top right hand corner there will be a link that says log in. You click on that button and then enter the credentials that I've just provided. It will then prompt you to create a unique password for your account. And it will then guide you through the rest of the process.

utterance: OK that sounds good.

utterance: All right sir. Is there anything else I can do for you today?

utterance: I don't believe so.

utterance: OK. Well thank you for choosing Intellibank and you've a fantastic evening.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.

utterance: Bye bye.


utterance: Hi thank you for calling Intellibank, my name is Stephanie and who am I speaking with?

utterance: Hello Stephanie this is Mike.

utterance: Hi Mike nice to meet you.

utterance: likewise nice to meet you as well.

utterance: And what can I get today?

utterance: I'm looking to do a a new checking account.

utterance: OK checking account I can totally help you out with that and like what is your last name?

utterance: last name is Boy B O Y.

utterance: B O Y OK. And what is your address?

utterance: Address is six zero three South Cochran Avenue that's Los Angeles California nine zero zero three six.

utterance: OK and do you have your social security number on you?

utterance: I do one eight two five two two one one.

utterance: Got it great and then what is your driver's license number?

utterance: my driver's license is F five six one two eight.

utterance: OK.

utterance: And then your happy four digit customer pin, what would like to set that as?

utterance: Four digit. Three three five three.

utterance: And what's your email address?

utterance: begoboy at Gmail dot com.

utterance: begoboy at Gmail OK and then what's the name of your business?

utterance: Bagel Boy.

utterance: Bagel Boy. OK. Great. Are you sole owner of Begoboy?

utterance: I am yes.

utterance: Great. And when did you establish Begoboy?

utterance: twenty fifteen.

utterance: Twenty fifteen OK and then what is your gross annual sales amount?

utterance: about forty thousand dollars a year.

utterance: OK. And then do you have your tax ID number?

utterance: my tax ID number is one eight nine two eight zero.

utterance: One eight nine two eight zero. Great and what's what's the address of Begoboy?

utterance: Six three three hundred Wilshire Boulevard Los Angeles California nine zero zero three six.

utterance: OK and then might that be the mailing address for you?

utterance: You can send it to either one but yeah let's do the Wilshire one.

utterance: OK sounds good I'll set that as your default. Great OK and is this gonna to be a personal checking or business checking?

utterance: Well what's what's the difference there?

utterance: Well the personal checking does have a higher interest rate? but the business checking does have a monthly fee. Right now with your personal account you're not paying a monthly fee so you could switch to a business account and you'll be adding a monthly fee of ten dollars.

utterance: Mhm.

utterance: Oh OK let's. I wanna do the business.

utterance: OK all right. Great and what would you like your initial balance to be in your account?

utterance: just a thousand dollars please.

utterance: Thousand OK. And do you have your bank account number on him?

utterance: I do one eight seven two one nine eight.

utterance: OK and how about the routing number?

utterance: Four three five nine.

utterance: Great. Oh, great and then would like to add a business savings account to your checking as well.

utterance: I guess so what would be the difference there?

utterance: Sure well your savings account would be directly linked to your business checking that way you're able to transfer funds directly, you can do it in your phones sounds pretty convenient.

utterance: OK sure.

utterance: Sounds good and then like I mentioned, it'll be a ten dollar fee. But that fee is waived so long as you have thousand dollars in your account which is how much you're depositing today, so you won't have a monthly fee this month.

utterance: Mhm.

utterance: Oh that's good to hear.

utterance: Oh great and do you have any questions for me about your accounts?

utterance: No I I think that should be everything I guess.

utterance: OK, great. Would you like me to send a confirmation email?

utterance: Yes, please. I could you send it to yeah. Bagel Boy at Gmail dot com.

utterance: Bagel Boy at Gmail. OK you'll be receiving that within the next five minutes.

utterance: Oh that's fantastic. You were very helpful. My foot fell asleep.

utterance: Oh, geez. Happens.

utterance: It was the way I was

utterance: Sitting.

utterance: Happens to me all the time. Got to remember to stretch.

utterance: Yeah, exactly.

utterance: Mhm.

utterance: thank you so much.

utterance: Not a problem.


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

utterance: Hi! Yes. I have a loan and I keep getting charged of late fee for my loan.

utterance: Oh I do apologize, sir. I can help you with that. have you considered scheduling or setting up automatic payments for your loan?

utterance: Yes. I need to schedule in a pay- a payment.

utterance: Sure! We can do that. We can set up automatic payments with-. Does that sound good?

utterance: Yes.

utterance: OK. Perfect.

utterance: Perfect. That would be perfect. Great.

utterance: Awesome.

utterance: How are you today?

utterance: I'm excellent! How are you, sir?

utterance: Great! Great!

utterance: All right, sir. Let me see here. Can I just get your first name?

utterance: Yes. It's Alexander.

utterance: And your last name?

utterance: Lopez.

utterance: And your date of birth, please?

utterance: it's six six six two.

utterance: And the PIN number for this account?

utterance: six two six two.

utterance: Thank you, sir. And may I have the loan account number?

utterance: OK. Can you hang on for a moment?

utterance: Absolutely!

utterance: Thank you. OK. The loan account number is six seven two eight four one six three two nine eight.

utterance: Thank you, sir. That was six seven two eight four one six three two nine eight, correct?

utterance: Correct.

utterance: Thank you, sir. And what is the payment bank account number you're going to be using?

utterance: Can you hang on a second?

utterance: Absolutely!

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

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

utterance: Yes.

utterance: Thank you, sir. And the payment bank routing number.

utterance: OK. Can you hang on?

utterance: Sure!

utterance: A sec. That's six two one seven five six four two one.

utterance: Thank you for that information, sir. That was six two one seven five six four two one, correct?

utterance: Yes.

utterance: And what would you like the recurring payment amount to be?

utterance: Two hundred dollars.

utterance: Two hundred dollars. Sure! We can do that. And the payment date?

utterance: eleven twenty. The twentieth of every.

utterance: The twentieth of every month, correct?

utterance: Yes.

utterance: OK. So, we're gonna be scheduling two hundred dollars to be coming out of your account ending in seven one two one to pay loan account ending in three seven six two every month on the twentieth, correct, sir?

utterance: Yes.

utterance: OK. Perfect! And let me just verify your email address, OK?

utterance: Yes.

utterance: I have on file here A L O P E Z two two at Gmail dot com. Is that still correct?

utterance: Yes.

utterance: All right. Thank you, sir. Bear with me one moment, please. You should be receiving an email confirmation from us shortly to confirm receipt of this payment.

utterance: OK.

utterance: All right, sir. Did you receive that email?

utterance: Yes. I got it!

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

utterance: No,

utterance: That'd be it. Thanks lot.

utterance: Thank you and thanks again for calling Intellibank. You have a great day, OK?

utterance: OK.

utterance: Bye bye.

utterance: bye bye.


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

utterance: yes. So, my accountant is asking me for a debt income ratio, is that something that you can help me with?

utterance: Yeah. Are you an account holder with Intellibank?

utterance: Yes I am.

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

utterance: it's Jill Baker.

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

utterance: You can call me Jill.

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

utterance: Yes, if that's possible?

utterance: Yep. I can help you with that Jill. What is your account number?

utterance: So my account number is three four six zero two nine nine eight.

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

utterance: It's Johnson Controls.

utterance: Thank you Jill. And what is your date of birth?

utterance: It's March second of nineteen eighty.

utterance: All right, Jill. It looks like your account has a four digit PIN number on it for security purposes. Can you provide me with that PIN number?

utterance: Yes it's three zero nine six.

utterance: I'm sorry Jill, that's not a correct number. would you?

utterance: Oh, wait a second, I'm so, so, so sorry. it's nine three zero nine, sorry I'm so sorry, I forgot I changed that, a while back. It's nine three zero nine, is that correct?

utterance: Yup, that is correct. That that's no problem at all. can you tell me what time frame your looking at for this report?

utterance: Well first exactly, can you tell me what this report is going to tell me?

utterance: Yeah. So, Jill. Your debt to income ratio is the value of your businesses monthly debt, payments and it's ultimately divided by diverse monthly income you deposit or report. So, it kind of determines how much debt you have sitting out there in accordance with how much income you have coming in for your business.

utterance: OK. I'm sorry for all the questions. I would need the most recent report, I guess. So that would be I'd say twenty twenty-one.

utterance: No problem Jill. So, so you're wanting a current annual report of debt to income ratio. the the year is not up yet, so it would just be up until this point. Is that, is that fine with you?

utterance: Yes, that's fine.

utterance: OK. Give me just a moment to run this metrics for you, OK? Also Jill, were you wanting a copy of this report emailed to you?

utterance: Can you do that?

utterance: Yep, we can do that for ya. let me just confirm real quick here Jill. Can you confirm your email address for me?

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

utterance: OK. Thank you for that. I am running the metrics now for you, give me just a second, OK?

utterance: No problem, are you in Missouri too?

utterance: I I am. I actually am in Missouri.

utterance: So how you feeling about this weather? It's been it's its been raining for a week straight here.

utterance: it's it's definitely been a very dreary week for sure. but I don't actually mind the rain that much.

utterance: We've had some pretty serious flooding in the area too, so it's not just been, you know, it's not just been the dreary, it's it's been some kind of crazy, crazy flooding happening too.

utterance: I saw that I don't live very far from the river front and it in, it always kind of makes me a little nervous just being in that area when it rains like this. and just, you know, just the fear that the river's gonna, gonna overflow.

utterance: So, I think it may dry up next week if we can just get through all the rain this week maybe then we'll get a drier week, next week, and all this will kind of absorb into the earth. We definitely needed the rain, just not this much rain.

utterance: Yeah, hopefully hopefully, we get some clearer skies too. Jill I have that information for ya, if ya if you're ready for that? So, as of today's date, for the twenty twenty-one year so far, it looks like your account shows An income to debt ratio of around thirty-four percent.

utterance: Does it tell you what the normal average is for that?

utterance: Yes, so, on the debt to income ratio scale, a good or normal ratio is around thirty-six percent. So, you're doing very well based on those numbers.

utterance: OK. And you said you can email that report to me then too, is that correct?

utterance: Yup, I can email that to you.

utterance: Can you tell me if there is, like, anything that might effect that? Like, anything that would make it go up or down?

utterance: So, so the metrics is based solely off of the information obtained from your account history. And any previously provided information on your financial accounts. We combine that with your credit report so if, for some reason, there were accounts or unreported debt that had not been shared, or that'd not been reported to your credit, then that could change your numbers some. And those are pretty unusual factors. But, I mean again, those are things that could've, a, could, could change your, your outcome of your debt ratio at some point.

utterance: So, as long as I've reported everything, then that number should be correct?

utterance: Yeah, so, as long as everything's being reported and all of your your account information is up up to date then those should be pretty accurate numbers for ya.

utterance: OK. So you're going to email everything that we've, we've talked about today and everything you've shared with me?

utterance: Yup. I am emailing that to you right now Jill. Just a moment. Was there anything else that I could do for you today?

utterance: No, I think that's everything. I just wanted get it in email so I could provide that to my accountant.

utterance: Yup. All right Jill. Well, I have got that sent to you now. So, thank you for choosing Intellibank, if you need anything else just give us a call back.

utterance: Thank you.