utterance: Hello. My name is Kevin Johnson. Thank you for calling Intel Bank where we're for the people, by the people. How may I help you?

utterance: Hi Kevin Johnson. My name is Bill Putt P U T T. And I'm a business owner. I would like to open up a business checking account.

utterance: All right Bill Putt. Can I get your last name please?

utterance: Yes sir. It's Putt. P U T T.

utterance: P U T T. OK. Sir can I get I need some more information from you. Some more personal information so I can make sure in line the the service here. Can I get your street address sir?

utterance: Absolutely. Let me know when you're ready.

utterance: I'm ready.

utterance: Nine five one one.

utterance: Nine five one one.

utterance: Perrin P E R R I N Road.

utterance: Mm.

utterance: Sacramento California five five six two eight.

utterance: All right! And sir may I ask you what is your ZIP code?

utterance: Five five six two eight.

utterance: OK. OK. I just wanted to make sure that was it. And what is your social security number?

utterance: Full social or did you need the last four?

utterance: Let me just get the full.

utterance: OK. I have five six nine.

utterance: Mhm.

utterance: One three two two six seven.

utterance: So that's five six nine two five six nine five three two two seven?

utterance: Two two six seven.

utterance: Two two six seven. OK. All righty. All right.

utterance: So I I I guess I wanted to ask specifically the different programs that y'all offer for business accounts. Do y'all offer business loan? My partner and I were making a film and I wanted to take out a one hundred thousand dollar loan.

utterance: Mhm.

utterance: So my initial question is how long does my business have to be up and running and I guess what are all the requirements that you need right now to get this going for me?

utterance: OK. So. First and foremost I have to send you to a risk specialist.

utterance: OK.

utterance: and that's that's what I do here. So unfortunately I'm not going to be able to go into detail about exactly what you need that's what.

utterance: I'm I'm sure you can at least tell me how long my company needs to be in business to be qualified for your business loan though.

utterance: At least six to. Six months to a year. You need to be open.

utterance: OK. OK. we've been open for two years.

utterance: OK. Yeah. Absolutely. Two years. And and just the services we offer you know. From bank accounts, loans, bill pay, order checks, and you know for free account holders. And also too with the business access program you have. You know, the credit cards that are offered. Travel cards, platinum card, gold card, silver card, cash back rewards. And all those things that you can increase towards your if you get in the platinum or gold tier you can use that as mileage when you do fly and.

utterance: Bring people in for different type of services in regards to your film production and stuff like that. So. It is a great program to get into and you know. Just doing the things you have to do and hey man man. It it's it would be really awesome for you.

utterance: Nice. Well I that I'm very excited about the programs. Specifically the platinum card. Extremely interested in in the perks and that so.

utterance: OK. And also too. the platinum card is our highest one so it's usually for our top holders. You know. Huge business people. With people that are you know. Real estate and. Producers like yourself. And people who are really making big money moves here. A lot of people do get the platinum card. And everything on the platinum level you get below. So you get the travels card. The go card. You get all the perks of the cards below. So it's a great service.

utterance: Now do is there any credit credit requirements? You know. I think my credit score is maybe around six forty-five.

utterance: Yeah. You you want to be able to show some type of income coming into your business, one. And two you want to be you know you want to be making money in your business. And three, yeah, you want a solid credit score because you're gonna be using you line your business line of credit here. You want both good standings and you want to make sure you're you're covered on both ends.

utterance: OK. awesome. Well let's go ahead and and sign me up for the business platinum account.

utterance: OK. Cool.

utterance: Thank you. I really appreciate it and.

utterance: All right. Well let me just transfer you to one of our top specialists and they'll be able to take care of you.

utterance: Awesome. Thank you so much. I appreciate it.

utterance: Thank you sir for calling Intel Bank. And is there anything else I can do for you?

utterance: No sir. That is it.

utterance: All right. Thank you sir. Thank you for choosing us. Cuz we choose you. God bless. Bye.


speaker_role: Agent

utterance: Good afternoon. Intellibank. This is David speaking.

speaker_role: Customer

utterance: Hi David. My name is Blake. And I'd like to close my account.

utterance: OK, Blake. We can certainly assist you with that. so give us one second. and if you could please a spell out your name, first and last name for me.

utterance: Sure, it's B L A K E. Last name James. Like LeBron James. J A M E S.

utterance: Uh-huh.

utterance: Like LeBron James. All right.

utterance: Yeah, but no relation.

utterance: How's your day going?

utterance: It's going well. Thanks for asking. How about you?

utterance: Nice.

utterance: It's about to be very splendid once I make this withdrawal.

utterance: OK. And could I ask for the reason that your you wanna close this account?

utterance: I wish this this call's being recorded right?

utterance: Correct. We record all calls for informational purposes.

utterance: well I I'd rather not say then but you know how it is. Privacy and everything.

utterance: OK.

utterance: Yeah.

utterance: That's completely fine Mr. James. So could you provide me the pin of your account?

utterance: Yes. It's eight seven one six.

utterance: All right. And the account number of the account to close?

utterance: I'm sorry can could you hold on for one second?

utterance: Of course.

utterance: I told you I was on the phone. What do you want? No. Just go do it. OK. Sorry about that. I'm back. what was it you said again?

utterance: We just wanted to know the account number of the account to close.

utterance: Gotcha. Oh, it's one second. And pull this up.

utterance: Sorry. I should have had this pulled up already.

utterance: That's OK.

utterance: Got it. It's three one eight seven six two six.

utterance: Could you repeat the last four digits again please?

utterance: Yes. Seven six two six.

utterance: Thank you. And when you're ready could you please give me the information of the account type that you would like the rest of the money to be deposited into?

utterance: For sure. before could you confirm the amount that I have that's gonna be transferred?

utterance: Yes. Absolutely. So, right now in the current account you have with us you have twenty-one thousand eight hundred and fifty-seven

utterance: OK.

utterance: And forty-four cents.

utterance: OK. that sounds about right. OK. Did did you say you needed the routing number or?

utterance: Great.

utterance: the account type first, please. So check between checking, savings, investment.

utterance: Oh, so so check.

utterance: Gotcha. Just have a checking account.

utterance: Wanting to be a check.

utterance: OK. And now you can provide us the routing number.

utterance: Gotcha. It's two one two one eight seven three one nine. would you mind reading that back to me?

utterance: Sure. So what you gave us was two one two one eight seven three one nine.

utterance: That's correct.

utterance: OK. Perfect. And finally we'd like to know the bank account number that you would like to deposit the rest of the money into.

utterance: For sure. Are you ready?

utterance: Yes we are.

utterance: It's two one two six two eight seven. Oh, hold on one second. Sorry about that. what did I just say to you? Two one two six two what?

utterance: Two one two two six.

utterance: Could you read that, is it, did I say two one two six two eight seven?

utterance: Yes, you did.

utterance: OK, sorry, that's wrong. It's two one two five two eight seven.

utterance: Two one two five two eight seven. Is that correct? OK. No worries. OK. All right. So, the transfer of money will happen within the next three business days. So by Thursday the twenty-ninth. You will be receiving the funds on the other side of your account.

utterance: Yes.

utterance: is there any way we can expedite that?

utterance: Absolutely. I can look into that.

utterance: Cool. Thank you.

utterance: So for an extra charge of fifteen dollars we can expedite that we can expedite that service and provide you a one business transfer if that is if that works better for you.

utterance: yeah, yeah, we can do that.

utterance: OK. And permission to charge the fifteen dollars to your remaining account's total?

utterance: Fifteen dollars.

utterance: yeah, sure. And, so after this the account will be completely closed, right?

utterance: Yes, Sir.

utterance: OK. I'm just asking coz I've closed an account before at another bank and I thought it was closed but then I had charges on there that obviously weren't by me coz I didn't even have my cards anymore. I had to tore them all up. But it ended up going to collections and going on my credit and I had to like go through this whole dispute and all that just because they didn't close the account when they said they were going to.

utterance: I hear you Mr. James. And rest assured that that we are committed to not making that happen.

utterance: All right. could you tell me your name again?

utterance: Yes, my name is Daniel.

utterance: Daniel. Thank you, Daniel. I appreciate it.

utterance: Of course Mr. James. And would you like any further information about other banking products available to you through Inteligabank?

utterance: no, I think I'm OK, but I do have one question. Cuz you sound like, you sound like one of my friend's friends that I met mm like two, months ago in phoenix. Do you know Jasmine?

utterance: I don't know a Jasmine but.

utterance: You don't.

utterance: Know any Jasmines?

utterance: I.

utterance: Don't know a Jasmine.

utterance: Oh man you sound.

utterance: I do have friends out in Phoenix though but I don't know a Jasmine.

utterance: OK. You sound just like her friend and his name was Daniel as well. It's a big world out there and it's.

utterance: It's a big world.

utterance: Yeah. It's a big world. Yeah.

utterance: All right, well, thank you so much Daniel. So the money should be available this time tomorrow?

utterance: That's correct. before end of business day tomorrow you'll be seeing the funds active within your other account.

utterance: Perfect, perfect. And can I get some kind of confirmation that the account is legitimately closed?

utterance: Absolutely. We will, once the once the transfer is current and active we will email the address that we have on file for you with the confirmation.

utterance: Sounds good. And can you confirm that address right quick before I leave?

utterance: Yes, absolutely. So it's the the one we have on file is B James at Gmail dot com. B J A M E S at Gmail dot com.

utterance: Excellent. All right. Well, thank you so much, Daniel. I hope you enjoy the rest of your day and it was good doing business with you guys.

utterance: It was great doing business with you Mr. James and we hope to see you again some time soon down the line. Have a great rest of your evening.

utterance: Thank you.

utterance: You too.

utterance: Bye.


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

utterance: Hi Daisy I need to update a piece of personal information on my account.

utterance: Sure, I'll be able to help you with that. let's go ahead and pull open your account.

utterance: What is your full name and address?

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

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

utterance: September twenty-first nineteen ninety-nine.

utterance: And your Intellibank PIN number please?

utterance: Sixteen sixty-two.

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

utterance: my business phone number.

utterance: OK. Please verify for me the phone number we currently have on file.

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

utterance: Thank you. And what would you like to update that phone number to?

utterance: Eight four four two three one or actually I'm sorry that's a the wrong number here I have the right one. It's two one five four zero eight zero zero four three.

utterance: Great.

utterance: I have made that correction in the system, updated that information.

utterance: in just a moment I'll have a confirmation number for you for that transaction.

utterance: Great.

utterance: How's your day going, Daisy?

utterance: Days going really good George. we've been keeping pretty busy and that usually means the day goes by quickly. How about you?

utterance: Well, there's not much to do at work but it's a great day outside. Great weather.

utterance: Excited to get out spend time with my family.

utterance: Yeah, that'll be nice. OK I have that transaction number.

utterance: I'm ready.

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

utterance: Nine nine one seven six two nine. Got it.

utterance: All right George. Is there anything else I can help you with?

utterance: Yes. I saw online that you guys have a credit card called the IntelliBusiness Silver card? the little bit that I read on there interests me so could you tell me more about it?

utterance: Sure, I will be happy to give you information regarding our IntelliBusiness Silver card.

utterance: one moment while I pull up that information.

utterance: All right George, it looks like that particular card is targeted toward small and medium size businesses.

utterance: It allows you to reduce the administrative charges and to manage easily your expenses right at at our website WWW dot Intellibank dot com.

utterance: It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit profile.

utterance: There's no annual fee.

utterance: You earn unlimited one point five percent cash back on every purchase made for your business. You can redeem rewards for cash back gift cards travel and more. You can earn rewards faster with employee cards at no additional cost.

utterance: if you choose to do have employee cards you could set individual excuse me. You could set individual spending limits for greater control over your company's expenditures.

utterance: Your card transactions will be monitored for possible signs of fraudulent activity using our real time state of the art fraud monitoring systems.

utterance: You will never be held responsible for unauthorized charges made with your card or account information.

utterance: You can customize your card with your own business logo and design.

utterance: And through the end of the year, George, we are running a promotion that allows you to earn seven hundred and fifty dollars bonus cashback after you spend seven thousand five hundred dollars on purchases in the first three months from account opening.

utterance: Would you like to go ahead and open this credit card today George?

utterance: not today but I will definitely keep that information in mind. I appreciate that.

utterance: Absolutely. Would you like me to email this to you?

utterance: Yes please.

utterance: What is the email address?

utterance: It's G Emery Trades at Gmail dot com.

utterance: G E M O R Y T R A D E S?

utterance: Yep.

utterance: All right I will go ahead and send that to you. You should receive that information momentarily. Is there anything else I can help you with today?

utterance: Nope, that's about it.

utterance: All right George. Thanks for choosing Intellibank. Have a wonderful day.

utterance: You too. Bye.

utterance: Thank you. Bye bye.


utterance: Good afternoon, this is Adam with Intellibank. How may I help you?

utterance: Hi Adam, so I I have an account with you guys a savings account. But I also I also have one of your guys' credit cards. I have the the gray card.

utterance: Mhm.

utterance: The gray card? Oh oh I do you mean the silver card?

utterance: And.

utterance: Oh yeah I'm sorry.

utterance: Oh no that's fine. It's fine.

utterance: My brain gets a little scrambled sometimes.

utterance: don't all of ours?

utterance: But yes I I have the silver card.

utterance: OK.

utterance: And I wanted to find out about like what my options are so that I don't have to pay my balance every month.

utterance: Oh so you wanna do an automatic credit card payment?

utterance: Yes yes that that would be really helpful for me. I I forget these things a lot and I really don't wanna mess with my credit score.

utterance: OK.

utterance: Oh I get you. OK, well in order for us to that I'm gonna first need your full name and date of birth.

utterance: OK it's Betsy Miller and that's B E T S Y Miller M I L L E R.

utterance: OK.

utterance: And then date of birth is November fifth nineteen ninety-six.

utterance: Got it. And your credit card number.

utterance: My credit card. I actually don't have that on me. can I go run and get that?

utterance: Yeah yeah, by all means.

utterance: OK one second. Sorry.

utterance: Mhm.

utterance: OK I thought it was in my purse but it's actually not in there. So let me I'm gonna run and check my coat pocket. I'm so sorry.

utterance: Oh no, you're fine.

utterance: OK OK I did find it. I'm sorry to have you waiting for so long.

utterance: Oh no no no. OK, so what what's the number?

utterance: Five two six two.

utterance: Five two six two.

utterance: Mhm. Three eight nine one.

utterance: Three eight nine one.

utterance: Seven seven three eight.

utterance: Seven seven three eight.

utterance: Five nine five one.

utterance: Five nine five one. OK. All right and as a security verification, what is your favorite type of tree?

utterance: I probably would have said palm tree.

utterance: Palm tree. Yep yeah you picked palm tree. OK. So OK again, you wanna do the automatic credit card payment.

utterance: OK great.

utterance: Mhm mhm.

utterance: What is your banking number and your routing number?

utterance: Banking number. That one's eight digits?

utterance: it depends on the bank but yeah it could be eight digits.

utterance: OK, let me see. Have all my financial papers in front of me. Just one second.

utterance: All righty.

utterance: OK OK Intellibank. OK OK, I have it in front of me right now.

utterance: Beautiful.

utterance: OK that is five zero seven nine.

utterance: Five zero seven nine.

utterance: Four two five six.

utterance: Four two five six.

utterance: Seven one nine eight.

utterance: Seven one nine eight. OK and the routing number.

utterance: Oh of course. that is six one five nine.

utterance: Six one five nine.

utterance: Seven seven three zero.

utterance: Seven seven three zero.

utterance: Three one three two.

utterance: Three one three two. OK, and how much are you looking to pay today?

utterance: could you let me know what my balance is?

utterance: your balance right now is five hundred and sixty-eight dollars and twenty cents.

utterance: OK, not too bad.

utterance: Yeah.

utterance: I guess let let let's just go ahead and do thirty dollars a month.

utterance: Thirty dollars a month, OK.

utterance: Actually, actually you know what let's do a little bit more. Let's let's do fifty dollars.

utterance: OK yeah, fifty dollars it is. And do you want that to go out on the same day every month on the twenty-first?

utterance: Yes, that works.

utterance: OK. So, just to confirm, it is fifty dollars on the twenty-first every single month.

utterance: Yes, that's great.

utterance: OK.

utterance: And will I get an email when it gets pulled from my account?

utterance: Yes yes, you will get an email. we can also have a reminder through mail whatever's best for you.

utterance: no I think I think email's fine.

utterance: OK.

utterance: You know save the trees.

utterance: Yes yes. Of course. Save the trees. All right well, this is in the system and it's fifty dollars again on the twenty-first. Is there anything else I can help you with?

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

utterance: Well thank you and you have yourself a great day.

utterance: OK, thank you. You too do that. You do that too.

utterance: All right. Bye bye.


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

utterance: yes. How are you today ma'am?

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

utterance: I'm doing just fine today.

utterance: How can I help you?

utterance: I need to check my loan balance on my business account.

utterance: OK. There's no problem with that, we can help you out. I'm gonna have to have some qualifying information to verify your identity.

utterance: No problem ma'am.

utterance: Could I have your full name please?

utterance: Carl J. Tetts. T E T E T T E T T S.

utterance: OK. Thank you sir for that. And could I have your address please?

utterance: Two eleven Boulevard Charleston West Virginia, two five one zero eight.

utterance: OK. Thank you for that. And your date of birth please?

utterance: It's eight ten nineteen seventy-three.

utterance: OK. Thank you very much. And could I have a pin number for your account?

utterance: Five six eight three nine two.

utterance: OK, thank you for that. And could you verify your email address?

utterance: Yes. It's wild fisherman at Gmail dot com.

utterance: OK, thank you for that. And you said you wanted to check your loan balance?

utterance: Yeah, my loan balance what's my balance on that? And and how many more payments I have?

utterance: OK, yes sir. And do you have any more loans other than just one to check?

utterance: no ma'am I no ma'am I don't .

utterance: OK.

utterance: I'm gonna ask you for the security question that's on your account. It's what street you grew up on?

utterance: I grew up on Ramble Rose Drive.

utterance: OK. Thank you so much for that sir. OK. And can you provide me with the loan number?

utterance: The loan number? Yes. It's nine one two six one three three two one.

utterance: OK. Just a second sir while I pull that up. OK. It looks like here that you have a twenty-five thousand dollar loan. And you've made your payment of five hundred eighty-eight ninety-six, and that was last week on the seventh.

utterance: OK.

utterance: And it looks like you have probably probably eighteen more payments. Eighteen. OK.

utterance: Yes. And.

utterance: Maybe.

utterance: Because I haven't had the payment book I just been I'm just sending it by by electronic so.

utterance: OK sir. And I could tell you about our online banking. Are you familiar with it?

utterance: yeah but is first let me ask this. Is the rate fixed until two thousand twenty-two?

utterance: Yes sir. Yes sir it is.

utterance: Is that correct?

utterance: OK.

utterance: I just wanna make sure we can do go up cuz cuz I said till two thousand twenty-two.

utterance: And were you are a gold business card carrier, and you have the gold business checking. You have that perk of the loan not increasing or decreasing and staying at a fixed rate. So you get that plus and perk for you having that account.

utterance: Oh wonderful. Hey you guys have been so great. Thank you. That's awesome.

utterance: No

utterance: Problem sir, any time. It's our pleasure. And we do have an online banking app that if you ever wanna check your loan yourself, or if you have any problems with your account, or you just wanna do a checkless deposit. it makes it very convenient for you to take care of any kind of banking things that you might need to do. When you can't get into going to going to a bank in person or you need or you would need to call us. That way you could handle things a little easier on your own, if you like. But we're always here to help you, so that's no issue.

utterance: Yeah.

utterance: Wonderful.

utterance: But just things to make life easier for you.

utterance: That's great. Hey, did you hear that that they canceled Bridge Day again this year?

utterance: Oh no, I had not heard sir.

utterance: Cuz.

utterance: Cuz of the virus again.

utterance: Oh no. That that virus is just kinda made everything bad for everyone huh?

utterance: That's really gonna hurt Looneyville.

utterance: Yes, I'm so sorry to hear that. Is there anything else I could help you with today sir? Would you would you like to hear about some of our other business loans?

utterance: Or .

utterance: Loan with a pretty low interest rate? I have really good credit.

utterance: Actually sir we do, and we have a a loan specialist, and her name is Anita. And she would be more than happy to give you a call back. She knows all of the all of the interest rates, and she knows all of the different ins and outs of all the loans that we do carry we even have a competitive real estate loan that's pretty nice.

utterance: OK. So we've been thinking we might open up a little little tiny family restaurant in the area. Think it'd be really good that this town needs a needs somewhere local local businesses besides the you know, corporate stuff

utterance: Yes sir. I think that would be a great idea. Well thank you for calling in today. Is there anything else I can help you with?

utterance: I guess that's it ma'am. I appreciate everything.

utterance: Well thank you for being a valued customer of Intellibank. And thank you very much, and if you need us again just call.

utterance: OK, thank you.

utterance: Thank you. Bye bye.


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

utterance: Hello Timothy I am Just kind of you know I've been a member of Intellibank for a long time and I just kind of feel that I'm ready to go to the next level as far as if my knowledge of business and finance and I just you know, don't know everything about it, I think I'm pretty good but like, I feel like I feel proud to have people who work there who know better than me or as much as me and you know, might just be like good at just I don't know meet up sometime and and just kinda talk about finance and how they see the market and what they think I should do next and also about like real estate and somewhere I can kinda like bounce some ideas off maybe in a group of people, I don't know if you ever do that but.

utterance: Well, we can't really offer you a group but we can offer you a meeting with one of our financial advisors.

utterance: I'd.

utterance: Would that be something that would interest you?

utterance: Well, Is there like where I can kind of like see what the qualifications are, I can kind of see what must must be like, something to retell it for me because you know I work and like shipping and logistics and it's just different than you know working on Wall Street or stuff like this. It's you know finances so vast.

utterance: You know at the end of the day, we find here that card money is money once you get it into the bank and out of the business process.

utterance: Mhmm.

utterance: So, any of our financial advisors are extremely well trained.

utterance: Mhmm.

utterance: And every aspect of what we offer here at Intellibank.

utterance: Mhmm yeah cuz I was gonna ask like someone who is like fresh out of like you know school who hasn't really been hasn't really proven themselves you know.

utterance: Well sir I can guarantee, you will not find that at Intellibank.

utterance: You know,

utterance: I just don't want myself unto just like to start talking about Bitcoin and and blockchain and all that.

utterance: No, we do not offer any of that.

utterance: Me, I I like talking about it but, I just don't want maybe someone who is like you get it this way and all the other ways are dumb. You know?

utterance: No, that is not something that you should worry about at all at Intellibank.

utterance: OK I'll take your word for it but, there is no way to kind of hey this is yeah, this is our team you know? Joe does this, Diane does this, Tiny does this, like that I could say this seems like a person who.

utterance: Well, I can guarantee you that here at Intellibank, there is a team working on your account around the clock at all times

utterance: Oh!

utterance: But.

utterance: Around.

utterance: The clock.

utterance: Around the clock. There is a team everyone well, for example we're here at the call center twenty-four hours a day we do not do investment I would have to set you up an appointment with a financial advisor.

utterance: Who's there to work on my account?

utterance: Well then you.

utterance: Really don't need to do anything round the clock. although I'm like stand, guard, like the part of the bank where my money is been held

utterance: Oh we're here for you, we do have guards.

utterance: And like I said securities around the clock to but yeah, I mean like I just kinda need plain people who can kinda like tell me what to do with my money at other places, you know?

utterance: I, once again I strongly feel like you should set a appointment with a financial advisor.

utterance: I'm ready.

utterance: All right!

utterance: Tell me what I need to do.

utterance: Let's do it. Can I get your full first and last name?

utterance: My full first name is Robert, my full last name is Metezger M E T E Z G E R.

utterance: Thank you Mr. Metzger and the appointment, would you like that in person, over the phone or a video conference.

utterance: Video conference. I think that's the best these days.

utterance: Great.

utterance: And would you possibly be available later this week.

utterance: I'm available anytime. I'm very excited to do this so the earlier the better.

utterance: We can do this later today if you would like. You around today?

utterance: I am.

utterance: All right. How about four p.m.? Yes.

utterance: I

utterance: I absolutely can hold.

utterance: Please reschedule.

utterance: No, please take your time.

utterance: No, I don't need that, I'm on the phone.

utterance: Do you not need? Oh! Sorry.

utterance: I'll be, I'll be right back. Sorry about that.

utterance: Oh, it's not a problem at all. at four p.m. today would that work for you today?

utterance: Yeah that sounds great. how how do I log on, you gonna email me the link or?

utterance: Yeah, we'll send you a link to the email address we have on file.

utterance: Excellent.

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

utterance: No, I'm excited about my four o'clock meeting.

utterance: All right. They'll see you at four o'clock today. Thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: You too.

utterance: Bye.


utterance: Good afternoon. Thank you so much for calling Intellibank where customer service is our number one priority. My name is Billie and I will be helping you today on this recorded call for your customer satisfaction. Who do I have the pleasure of speaking to today?

utterance: Billie, is that with an I E or a Y?

utterance: It is.

utterance: Billie. I E. Yes, like Billie Holiday.

utterance: OK. Well, my Billy is with a Y. So that's.

utterance: Oh! My goodness. How nice to meet you today. We can be buddy. Yes, we're Billie Buddies.

utterance: We're Billy Billie.

utterance: We can be buddy Billies or something.

utterance: All right.

utterance: What can I do for you today Billy?

utterance: Well, I've I read about your SBA five oh four loans.

utterance: OK. Looking looking to expand your physical locations for buildings?

utterance: Wall Street Journal.

utterance: I am. We're in small office space now and I'm looking to expand to more of a stand alone place, where we can house everything there.

utterance: And. Great.

utterance: Ok. well, just so you know, we can actually do this right over the phone. If you are interested in applying, it takes five minutes or less. Its actually pretty quick, just need a little bit of information including your tax ID, drivers license, the standard things you need for a loan.

utterance: OK. let me grab a couple of those things, they're nearby.

utterance: OK.

utterance: And Billy, just really quick, what is your last name?

utterance: its Johnson.

utterance: Johnson. And may I have your four digit PIN so I can pull up your account information while you're looking for documents?

utterance: Seven one three five.

utterance: OK.

utterance: And it will be under William.

utterance: William, thank you so much. You take your time, I'll be here.

utterance: Mhm.

utterance: OK. We got it.

utterance: All set? OK, great. So I pulled up William Johnson, with that PIN number you provided. And, to start, I will need your home address.

utterance: It is eight nine zero zero Pine Road. Los Angeles, California nine zero zero zero eight.

utterance: OK, great. What is your social security number please?

utterance: My social, let me know when you're ready.

utterance: I'm ready.

utterance: Six two five eight four seven five two eight nine.

utterance: There you go. And your drivers license number and the state where it was issued.

utterance: California driver's license five eight zero six zero eight three one one nine.

utterance: Great. All right. And your email address?

utterance: My email is Will John, that's two L's.

utterance: OK.

utterance: Will John at Gmail dot com.

utterance: Very good. And, are you also the sole owner of your business?

utterance: Yes, I am.

utterance: Great. And, when was your business established approximately? Just the year is fine.

utterance: The year was twenty eighteen.

utterance: Twenty eighteen, it was a cold dark night.

utterance: It was.

utterance: OK.

utterance: A clear white moon.

utterance: There. Perfect night.

utterance: All right and what are your gross annual sales? For real, you can either report two thousand nineteen or two thousand twenty. I always suggest the better year.

utterance: Twenty twenty was an upswing year, we had two hundred and fifty thousand that year.

utterance: OK, very good. All right, and your tax ID number please?

utterance: Six four nine eight seven four five seven eight nine.

utterance: Great, and the address for your business?

utterance: Five six eight nine Astoria Lane, Los Angeles, nine zero zero zero eight.

utterance: OK, and is that where you're currently located?

utterance: Yes.

utterance: OK, great. And then if you do that build out or change your address, you can always update that even right online. OK and, What is the purpose of the loan? Well, you already told me, its to expand your real estate and expand the business.

utterance: Right, I want that property next door.

utterance: OK. And how much would you like to apply for?

utterance: Two hundred thousand.

utterance: Two hundred thousand dollars.

utterance: And.

utterance: Ten year term.

utterance: OK, got that. And upon approval, you will be required a down payment between five to twenty percent. How much would you like to put down?

utterance: Twenty percent.

utterance: Twenty percent. OK, very good. And I do see that you have your business checking account with us and your smart savings. If you are approved, we can have funds routed directly into your account. Which account would you like the money to go into?

utterance: let's go to the the savings account for the company.

utterance: You.

utterance: You got it. All right, I have finalized your application. Sent a confirmation to your email address and you will hear back within seven to ten business days. And that's all there is to it, Billy.

utterance: OK. That was simple, Billie.

utterance: Pretty painless. Anything else I can do for you today?

utterance: no, Billie. You've been a great help. Thank you.

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

utterance: You too.


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

utterance: Yes hi there. I wanted to know if your bank has anyone that can screen document signing. I have some paperwork I need to sign and send back to a potential employer.

utterance: yes sir we absolutely offer notary services at this branch. Would you like to schedule an appointment with one of our notary specialists?

utterance: yes please.

utterance: All right sir I can help you with that. I can set you up in our system. But first I'll need to get a little bit of information from you so I can set you up with the right scheduled time and location.

utterance: OK.

utterance: OK. And sir can I have your first and last name please?

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

utterance: All right Mr. Rominson. Would you like an in person or an online notary appointment?

utterance: In person please.

utterance: All right you want an in person appointment? I can certainly help you with that. And what date would be appropriate for this notary?

utterance: can I get it on the on the twelfth this month?

utterance: Oh.

utterance: All right sir. You wanna schedule that for November twelfth?

utterance: Yes.

utterance: OK. I can certainly do that for you. Let me look it up in our system to see what times we have available.

utterance: OK.

utterance: All right Mr. Rominson. Would you like an a.m. or p.m. appointment time?

utterance: Can I have a.m. please?

utterance: All right. We have eight thirty a.m. available. Nine thirty a.m. available and ten fifteen available.

utterance: nine thirty would be good.

utterance: All right. Nine thirty it is.

utterance: OK.

utterance: All right sir and since you need an in person appointment, could you give me the ZIP code for your location?

utterance: yes ZIP code is nine eight one one nine.

utterance: All right that's nine eight one one nine. Let me look that up. That is in Seattle, Washington sir?

utterance: Yes.

utterance: All right. I can go ahead and set you up an appointment with a notary in your local area.

utterance: OK.

utterance: All right, just give me a moment while I put this schedule while I put this schedule of this appointment in our system.

utterance: I certainly can. it look like the weather is going to be good for the next few weeks. I can finally take a break to go fishing. Have you ever have you ever gone fishing?

utterance: yes sir I actually have gone fishing before. I used to fish a lot as a child with my father.

utterance: Oh wow that is great. So was he a good fisherman?

utterance: he was one of the best fisherman but unlike him, I wasn't very good at it. I used to catch a lot of little minnows and have to throw them back.

utterance: Mm.

utterance: Mm.

utterance: So what was your father's name?

utterance: his name was Robert.

utterance: Robert. what's his what's his last name?

utterance: Robert Gillingham.

utterance: Oh yes I heard of him.

utterance: Wow. Small world.

utterance: Oh sir.

utterance: He was a great fisherman.

utterance: Oh I'm not sure you heard of my father, sir. He was actually from Minnesota. Have you been to Minnesota?

utterance: One of the best.

utterance: Yes,

utterance: I have.

utterance: Oh wow. That's very a small world then.

utterance: Wow. Small world.

utterance: And.

utterance: Well I'll make sure that I make a note of that and let him know that Mr. Robinson called.

utterance: Yes. He should know who I am.

utterance: I'll make a note. All right Mr. Robinson I've gone ahead and scheduled your appointment in our system. you scheduled an in person meeting with a notary. That is gonna be at nine thirty a.m. on the twelfth of November. That's gonna be in your local area so that notary will actually set up the appointment with you. And contact you via email and via I believe you have it set up as via tax in your system?

utterance: Yes.

utterance: and they'll let you know about the appointment and and you'll have advanced notice so you'll know exactly when they come in and when that notary will be available.

utterance: OK. Sounds great.

utterance: OK. I would also like to make a note that you can actually schedule appointments and get more information about what our notaries actually provide for your company. I can give you a little information now if you wanted to.

utterance: yes that would be lovely.

utterance: OK. Well our notaries are there They're trained to perform certain legal formalities as in they can actually help you draw up certified contracts, deeds and other documents. And as well as what you asked for, you wanted someone to screen your document signings. They can verify a person's identity and make sure that that person is actually the one that's authorized to sign their paperwork for you. So if you need any other information or you need any other thing from a notary just make sure that you let them know and you can probably schedule set up another appointment in the future with us.

utterance: OK.

utterance: Oh OK sounds great.

utterance: All right sir. did you need anything else today Mr. Robinson?

utterance: no that's about it.

utterance: All right. Thank you so much for giving us a call today. We appreciate your business. And again my name was Giana and I hope you enjoy the rest of your day sir.

utterance: Thank you and tell your father I said hi.

utterance: I certainly will, sir. Thank you so much.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: hello. My name is Charlene and was calling to inquire if I could check the balance of my account?

utterance: All right, sure thing. No problem, I can go ahead and help you out with that. first can I get your name and date of birth please?

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

utterance: All right, thank you and can I get your pin number?

utterance: OK. My pin number is five six seven nine and my account number is Three five four six six eight seven nine two four.

utterance: All right, thank you.

utterance: All right. So I'm just checking your account right now.

utterance: . could you just leave that am I think I I need. There's another more pressing matter.

utterance: Yes, absolutely.

utterance: OK. can I order for a For a check. For a check book Cuz it seems mine Like I have an an employee But misplaced it

utterance: Yes, of course. I can go ahead and order checks for you.

utterance: OK.

utterance: could you provide me for your shipping address. So your street address, city, state, and ZIP code?

utterance: OK. It is nine three three Brookside Street in Gallent City. That in Texas and the code is seven five zero four one.

utterance: All right, thank you for that. All right and How many checks did you want to be delivered to you?

utterance: around ten of them.

utterance: Ten, OK.

utterance: All right. So, I just went ahead and put the order in and you should get ten checks sent to the address that you just told me.

utterance: Oh, OK and is there a limit to the to how many checks I can write off in a day or maybe in a span of a week?

utterance: no. There's absolutely no limit. You could order or write as many checks as you would like.

utterance: OK and when will I When exactly will I receive this new check.

utterance: so you should receive the checks in about three to five business days.

utterance: Oh, OK that will be in the. Within the business working days or it It can also come in through. In the weekend.

utterance: it could come in through he weekend. but only after three to five business days.

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

utterance: Mhm.

utterance: Yeah and how is the weather over there?

utterance: Oh, it's so great. Thank you. It's very warm and sunny. How's the weather with you?

utterance: it's also warm and sunny over hear. Great weather to. Move out and be out playing.

utterance: Yes, absolutely. and since you want to know about online banking as well, so you can order checks easier in the future?

utterance: Yeah, could you please help me on that?

utterance: Yeah. So we provide online banking at Intellibank. through our app Or through our website online. But our app is much easier and more efficient. So once you download the app you can log in to your business account and you can see information such as your balance and your transactions and you can make check deposits and transfers and you can do other things such as updating your information. Your contact information and ordering checks.

utterance: OK. That nice to know.

utterance: Yes and it's much more convenient than calling or you know going to a branch in person. So you always have that option to you know do online banking. Either through our app or online through our website.

utterance: Oh, yeah. I definitely look Look for the app.

utterance: Yes, of course and did you have any other questions for me?

utterance: No. That was it for now.

utterance: All right Have a great day.

utterance: Thank you and you too.


utterance: Good evening. Thank you for calling Intellibank. My name is Nancy. How can be of service to you today?

utterance: Hi yeah. Hi Nancy. I I have a problem. I was I was you know punching. I was doing some online banking. I was punching my my PIN in and I look over and there's this there's this dude looking over my shoulder.

utterance: I don't know if this dude was just some like he's just kinda strange or I don't know if he's a pro like surfing my PIN number whatever. But in any case, I don't feel comfortable like I need to. I need to report this or I need to somehow protect my account. I just I just don't know how.

utterance: Mhm.

utterance: Yeah. Yeah, I wouldn't feel comfortable if someone was looking over my shoulder while I was doing my PIN neither.

utterance: Yeah.

utterance: I'm glad you called today.

utterance: Right and he also writing it down I mean they were writing something down. I don't know for sure if they were writing my PIN down but he's looking over my shoulder and writing on a note pad.

utterance: Mm.

utterance: Yeah.

utterance: And

utterance: So I'm you know. So I just I need to make sure that that my account is protected. However, however to do that. I just. I don't know.

utterance: Yeah. Well, I'm very very glad you called in today. You definitely don't want to take any chances with that so thank you for calling Intellibank.

utterance: Yeah yeah.

utterance: What's your name?

utterance: My name is John. J O H N.

utterance: OK. What's your last name?

utterance: Stevens. S T E V E N S.

utterance: All right, John. What's your date of birth?

utterance: My date of birth is twelve four nineteen eighty-seven.

utterance: OK and what is your PIN number right now?

utterance: My PIN number now is eight seven eight seven.

utterance: OK. Eight seven eight seven.

utterance: I'm worried that like the whole world knows that now or at least this one person perhaps. I mean, for all I know they're they're like logging in right now or something you know. So I I don't know what to do about that.

utterance: Ugh.

utterance: Yeah.

utterance: Well, I'm so glad you called cuz you said this just happened, right? Well, you're really smart to give us a call right away so we could just get on this.

utterance: Mhm mhm.

utterance: So what is your bank account? What bank account are we discussing?

utterance: It's my business account. Account number is three six eight seven nine four eight nine three three.

utterance: OK.

utterance: All right. I do see that business account here. Thank you very much for verifying that.

utterance: one final verification is there is a security question considering we will be changing your PIN number today.

utterance: So

utterance: Oh was that. Is that what we can do?

utterance: change my PIN?

utterance: We can.

utterance: And can we stop this other person from using my PIN?

utterance: Yeah.

utterance: Can you make a report to the police also?

utterance: well I that might be something you could do locally or we could just monitor your account to see if there's any charges that you did not authorize.

utterance: but at this point, I mean, that would be a local anyway. sorry for that. Just don't wanna go off on a tangent with that. But can you answer one more security question for me please.

utterance: Yeah, sure.

utterance: The town where you grew up in.

utterance: yeah. That's that's Inglewood.

utterance: OK. Could you spell that please?

utterance: I N G L E W O O D.

utterance: OK, great. That is verified.

utterance: Perfect. so yeah, sir. What I was saying earlier is I just want it to be something where you know we don't know that this person is in your account. So we will closely monitor and we will change the PIN right now. So hopefully, there won't be anything to report because, hopefully, this person did not get into your account.

utterance: OK.

utterance: And just to. Just to be sure that you know this. This one is for my Intellibank Intelligent Savings Business account.

utterance: It is.

utterance: Not

utterance: My not my checking account.

utterance: It is the Intellibank Smart Savings account so yeah. It's the Intellibank Smart Savings.

utterance: Oh.

utterance: Oh OK. My my mistake. My mistake. It's yeah it's right.

utterance: I mean, honestly, I'd I'd kinda feel like Intellibank Intelligent Savings has a bit of a ring to it understand? Maybe you should suggest that to upper management.

utterance: Yeah.

utterance: You know what?

utterance: That is a great idea. That actually does sound really good so.

utterance: Yeah.

utterance: Bring it up

utterance: At the next board meeting. Are you invited to board meetings?

utterance: Yeah.

utterance: I don't usually get invited to board meetings but my manager does so yeah I'll have to tell her about that.

utterance: So thank you for the suggestion. Really appreciate that today.

utterance: Yeah. No problem.

utterance: Good so do you have another PIN in mind that you would like to use?

utterance: How about we go with seven eight seven eight. Or do you think that's too easy or do you think that that person might be able to guess that.

utterance: Well, I mean, considering it was eight seven eight seven. I mean, maybe, is there something else you can remember that's four digits?

utterance: can you do seven seven seven? You know, like Lucky Seven. Like boom! You hit the jackpot. Ding ding ding ding ding. You know. I go to Vegas like all the time.

utterance: So.

utterance: Oh, you do.

utterance: Yeah. I mean, it's up to you but I mean we do generally advise people to not use the same number four times just because that might be easier to guess especially because you just had this incident you're worried about. so are there any other four numbers you might think of?

utterance: All right. Yeah. Let's do one seven eight five.

utterance: Great. One seven eight five.

utterance: Perfect. OK so I just wanna confirm that your new PIN is one seven eight five.

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

utterance: Great. Well thank you so much. Is there anything I could help you with today?

utterance: no. That's that's about it. I I feel really appreciated. I feel so much better now that my PIN and my Intellibank Smart Savings account is is secure.

utterance: Thank you so much. Yes, I'm glad as well and you know feel free to call us anytime. Again, my name is Nancy and have a great evening.

utterance: You too. Thanks.

utterance: Thanks.


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

utterance: Yes, so this is going to be a bit long-winded but I own Johnson Controls. I have an Intellibank Business Preference checking account with you guys. I received an invoice last week from one of my distributors and I'm looking at the bank ledger today and apparently I sent them two checks to this company for the same invoice so I need to find out how I can cancel one of them.

utterance: Yeah I can help you with those things. Whom I speaking with today?

utterance: It's Jill Baker.

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

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

utterance: OK Jill so I just wanna confirm real quick. You you said that you had what kind of checking account?

utterance: So I have the business preference checking account with Intellibank.

utterance: OK. So we actually do not have a preference checking account. We have a preferred checking account. Could that be what you're referring to?

utterance: I'm sorry yes, that's what I was referring to, not not the preference. I apologize.

utterance: No problem. So you issued two checks then for the same invoice on that account?

utterance: Yes, that's correct.

utterance: And has that check been cashed yet?

utterance: No, only one of them has.

utterance: OK. Have you contacted the company receiving the invoice to notify them?

utterance: So I have but they're a really big company and they said that they don't believe that or they don't know if they'll be able to catch it, because they're so big.

utterance: OK. So what we can do is we can actually cancel that check for you.

utterance: Would I be penalized for that, like will you charge me to cancel it?

utterance: No you should not be penalized on your account and you will not be charged for the cancellation for this instant. What I would suggest you do though is contact the company you have paid and let them know that because the invoice was paid twice you've issued a stop check order in on the check number. They should be the if you provide them that check number they should be able to contact their bank as well to let them know what's going on.

utterance: OK so how do I cancel it?

utterance: OK let me get some information from you, we'll get it canceled. What's your account number?

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

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

utterance: It's Johnson Controls.

utterance: And what's your date of birth?

utterance: That's March second of nineteen eighty.

utterance: OK Jill. It looks like your account has a four digit PIN number on it. Could you share that PIN number with me?

utterance: Yeah so it's six four seven eight. Ahem. OK and we're canceling this though, right?

utterance: Yep that's correct. What is the check number that you're wanting to cancel?

utterance: It's three zero nine nine zero. That was the number of the check.

utterance: OK and the check amount?

utterance: Believe it looks like it's six thousand nine hundred dollars.

utterance: OK and can you confirm the reason that you're canceling? Just so we can catch it again.

utterance: So it's that I accidentally paid an invoice twice to one of my distributors so I have to cancel one so that they don't get double pay.

utterance: OK. So what I'm gonna do is I'm gonna issue the cancel order for this check. Gimme just a moment. OK. So I got that check canceled for you. Do you have access to online banking?

utterance: I do.

utterance: OK. I do wanna let you know that you can request a check cancellation through your online banking account by clicking on the stop check option at the top of the page once you're logged in. so in the future if you're if you have this issue arise again you can always cancel that check there as well.

utterance: OK that sounds super easy, I'm sorry.

utterance: No nothing to be sorry about at all! Was there anything else I could do for you today?

utterance: Yes so actually, while I have you on the phone, can I apply for a secured loan?

utterance: Yep I can do that for you. I'm just gonna need to get some additional information from you again so I have your I have your name, date of birth and let's see what else. I got your name, date of birth and business info on there. Can you give me that four digit PIN number again real quick?

utterance: Yes so it's six four seven eight and then my social that's four six three zero nine three zero zero.

utterance: OK. Thank you for that. What city and state are you in?

utterance: I'm in Kansas City Missouri. My home address is five nine zero Luton Road, that's Kansas City and it's seven three eight two zero.

utterance: All right Jill and do you have a driver's license and if so what is your driver's license number?

utterance: That's M as in marry nine three seven zero zero two zero zero.

utterance: And is that Missouri?

utterance: Yes that's a Missouri ID.

utterance: OK and when did you open your business?

utterance: It's opened October ninth of two thousand and seventeen.

utterance: OK and what do you say what would you say your business grosses annually? Do you remember that from twenty twenty?

utterance: So I believe our twenty twenty federal showed five hundred and eighty-nine thousand gross.

utterance: OK. And what is your tax ID number?

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

utterance: OK. And just to verify, the business that the business is Johnson Controls, correct?

utterance: Yes, that's right.

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

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

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

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

utterance: All right Jill and for your mail that comes from Intellibank do you receive at the business or at your home address?

utterance: I pretty much get everything at the business address.

utterance: OK. Jill can I just verify again why you are wanting to Give me one second here, I'm sorry. So can you give me one, just tell me one more time here why you're trying to seek this loan today? Like what was the reasoning behind wanting to get a loan?

utterance: So mainly we need to do some improvements on a warehouse, so that's mainly what it's for.

utterance: OK so on our secured loans we do require some type of collateral for these loans. Do you have a property or asset of equal or more value than the loan amount that you you are wanting to use as collateral today?

utterance: So yes I plan on using my home.

utterance: OK. And how much are you looking to borrow?

utterance: It's around a hundred thousand is what I'd like to borrow if I could.

utterance: OK and do you know what your home is valued at?

utterance: So it was appraised last year at three hundred and thirty-one thousand.

utterance: OK and what term are you looking on at for this loan?

utterance: I'm thinking at twenty-five years if possible, if there's some flexibility there.

utterance: Yep I can put that down for you. OK Jill so I got everything I need on this end so I'm gonna send this through to see if I can get you pre-approval. Give me just a second to see if I can get this processed, OK?

utterance: OK. Are you in Kansas City?

utterance: Yup I'm in Kansas City.

utterance: Is is snowing there?

utterance: Yeah no it's not really I mean it's not even really cold here right now. I think it's supposed to snow at some time but I haven't heard exactly what time that's supposed to start.

utterance: I been stuck in Denver for like two days because of the weather here. They have like over eight inches of snow. It's crazy!

utterance: Eight inches? That's a lot! I mean I bet it's beautiful there though, cuz you know Denver is a a pretty pretty place and adding snow to it probably makes it even more beautiful.

utterance: Yeah it's beautiful here but it's definitely very cold and very snowy I don't even have much work to do but if I didn't have work to do I wouldn't care, I'd just go skiing or something but just being cold all the time in this lodge just stuck here in the cold next to a fire, it's semi-debilitating actually!

utterance: Well hopefully it clears out soon and you're able to get back home, Jill! Jill I do have the pre-approval for this loan for you so what I'm gonna do now is I'm gonna email you a link to our loan portal with a list of documents that I'll need you to provide once you access that email and if you upload I'm sorry once you access that email then you can upload all the documents that are required and then that loan agent will review over those and contact you back for the rest of the loan process. I do wanna let you know that a pre-approval's not a guaranteed loan acceptance as the loan will not be secure until all information is provided and can be verified. And I also want to let you know that our secured loan in the incident of a default on these type of loan, the assets used as collateral can be repossessed if the loan goes into default. Did you have any questions about that?

utterance: No, don't think so. I understand.

utterance: All right Jill. Well I got everything emailed over to you so just watch for that email. If you have any questions please give us a back call back, but thank you for choosing Intellibank!


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

utterance: Hi. I've been checking the current information changes and wondering if you could give me the consumer price index so I can make some change comparisons.

utterance: Yes sir, I can certainly help pull up the consumer price indexes for you. I'll need to get a little bit of information from the system from you if you don't mind.

utterance: All right.

utterance: OK sir, first of all I'm gonna need the consumer price category you would like for me to look up please.

utterance: can I get all items of food and energy?

utterance: yes sir. Since those are separate categories. If you don't mind, can I go ahead and look those up for you individually please?

utterance: yes I don't mind.

utterance: All right sir. And what is the time period you would like for all items at this point?

utterance: What item time period?

utterance: Yes sir.

utterance: past year?

utterance: OK sir I can go ahead and look that up for you. just gimme one moment while I look up that information in our system.

utterance: Thank you so much in enlightening me ahead up for an expensive year ahead. Are prices rising where you are?

utterance: Yes sir it actually is rising pretty significantly in the grocery stores and everything. gas is pretty high, I can tell you that much.

utterance: Yes it is.

utterance: I haven't been able to travel long distance for a while now.

utterance: Oh my goodness.

utterance: Yeah and I I went to the store thinking I was gonna buy a whole you know array of groceries. I ended up with like a small basket so that wasn't anything great.

utterance: no.

utterance: OK sir it looks like the current price index of all items is zero point six percent right now.

utterance: OK.

utterance: OK. And I'll just look up food next gimme just one moment sir.

utterance: All right. Take your time.

utterance: All right sir. Gimme just a moment I'm pulling that up for you right now.

utterance: OK.

utterance: Currently it's two different categories here. We've got food at home at five point four. food away from home at five point three, and we have food and generals. All together we have that index at five point three so.

utterance: Five point three

utterance: Yes sir.

utterance: Huh.

utterance: All right and you said next you would like the index for energy?

utterance: OK.

utterance: yes please please.

utterance: OK

utterance: Give me just one moment.

utterance: All right.

utterance: Yeah OK. energy all together is at thirty percent the energy commodities right now look like they're up at twenty-nine point five percent and the energy services are trickling at eleven point two percent so.

utterance: OK.

utterance: That's quite interesting.

utterance: Yes it is.

utterance: All right sir, are there any more price indexes you would like to know about?

utterance: yes. Can I get all others minus food and energy?

utterance: Oh yes sir. We certainly can look that one up. OK. in that category right now we have it at four point six percent. the commodities minus food and energy is Sorry about that. Is at eight point four percent. And the services less energy is three point two, so together those make up the Sorry. It keeps. My system keeps freezing on me. Four point six percent sir.

utterance: OK. So that's a big difference isn't it?

utterance: Yes

utterance: It is a significant difference in what's going on. For the past year, it looks like it's been a little bit all over the place back and forth. So hopefully everything will be squared away by next year but it's looking like we're gonna have a

utterance: Is it the same

utterance: It is down. It is up a bit from last year. Yes sir.

utterance: OK.

utterance: Yes, the percentages are up so. We are having Looks like an inflationary trend going on.

utterance: OK. Well you know how that can change any time.

utterance: Oh yes sir. It absolutely can. OK, sir. is there anything else I can help you with?

utterance: no I think that's all I needed from you today.

utterance: All right sir. let me go ahead and advise you that in the future in order to make this a little bit more convenient for you we actually have a link online at Intellibank dot com where you can just access the charts for our consumer price indexes. we actually just link that right up to the government's site, so you can pull that up any time day or night for updated information. And you can actually go ahead and select the categories and you can check the different time periods, including this quarter, last quarter in the past year.

utterance: All right, I didn't know that. Thank you.

utterance: Oh absolutely sir. All right and I hope you have a good day today sir. Again, my name was Cassandra. Thank you so much for calling.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hello thank you for calling Intellibank. My name is Bernadette and I will be assisting you today on a recorded call for your customer satisfaction. How may I help you today?

utterance: Hi I need to transfer money from my Intel business total checking account to my Intellibank Business preferred checking account.

utterance: All right. I would be glad to assist you with that today. my name again is Bernadette. And may I get your name?

utterance: Kimmie Sutra.

utterance: All right. And I'm just gonna put this in the system. Could you spell your first and last name for me?

utterance: last name is S as in- Oh, yeah. It's it's Kimmie. It's K I M M I E.

utterance: Oh I I'm sorry to cut you off could you start with your first name, please.

utterance: OK.

utterance: Last name is Sutra. S U T R A.

utterance: OK great. Let me just put that into the system.

utterance: Mhm.

utterance: How's your day going today Kimmie?

utterance: OK. It's just really hot here.

utterance: Oh I I do not like the hot weather. I'm sorry to hear that.

utterance: It is hot where you are?

utterance: no actually it's about sixty degrees right now.

utterance: Really? Wow. Where are where are you located?

utterance: I'm in Pennsylvania.

utterance: Oh. Huh, we're in LA here. We have rain yesterday it rained like crazy. And then today it's like a heat wave.

utterance: Yeah.

utterance: I hear that's what LA is like.

utterance: Yeah, but they say climate change isn't a reality. I don't I dunno how people can say that.

utterance: I I I understand. all right Kimmie. Let me also ask you for your date of birth.

utterance: date of birth is three three eighty-four.

utterance: OK.

utterance: my email address is Kimmie at Sutra dot com

utterance: Oh, oh.

utterance: but thank you for

utterance: Thank you for providing that for me. I don't need that at the moment to access your account but thank you.

utterance: Oh OK. I just assumed that you would.

utterance: Of course.

utterance: Oh you know what? I said I told you I've been wanting to transfer money between the two checking accounts. I that was a mistake. I meant transfer the checking to my savings account.

utterance: Yes, ma'am?

utterance: Of course. Not a problem. And I will also need your four digit PIN number.

utterance: Oh shoot. can you hold on for one second. My dog just like ran out with a piece of paper that I had written down he just. Hey! Spot! Come here! Oh my God this dog. He eats everything you put in front of him.

utterance: Oh my.

utterance: hold on one second let me go grab it.

utterance: Of course.

utterance: OK.

utterance: OK I have it.

utterance: All right what is the number?

utterance: It's three four two nine.

utterance: OK good. Three four two nine. All right and I will also need the account I'm sorry Kimmie you'll be transferring from savings to checking or checking to savings?

utterance: Oh my God. I dunno. I think yeah. You know what. Let's put it in the savings account.

utterance: So you want the reason I'm asking is I'm just I'm gonna ask you for that account number first.

utterance: Right.

utterance: So the account number that you'd like to transfer from?

utterance: is from the checking.

utterance: And may I have that number please?

utterance: it's three four two five nine four.

utterance: OK. And the savings account number?

utterance: Oh man you guys ask for so much information. hold on one second OK?

utterance: Yes.

utterance: Thank you.

utterance: OK I have it.

utterance: All right.

utterance: it's four six four ten Oh excuse me four six four one zero nine.

utterance: All right. And how much what is the dollar amount you'd like to take from the checking?

utterance: four twenty-five.

utterance: Four hundred twenty-five dollars?

utterance: Yes, that's correct.

utterance: All right. all right let me just verify this information. So what we'd like to do today is take four hundred twenty-four dollars I'm sorry four hundred twenty-five dollars from your business total checking account. Account number three four two five nine four and transferred into your savings account four six four one zero nine.

utterance: Mhm.

utterance: Right.

utterance: All right one moment while I put this transaction through.

utterance: OK.

utterance: All right. That has gone through. And because it is an account to account transfer the funds will be available immediately. While I have you on the phone is there anything else that I can assist you with today?

utterance: No that's it. Thank you. I appreciate it.

utterance: No problem Kimmie. Thank you for calling Intellibank. And have a good day.

utterance: Thanks. You too.

utterance: Bye.

utterance: Bye.


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

utterance: Hello Joseph simple easy call on my end I'm just looking to get my credit card balance due.

utterance: OK, that is not an issue at all.

utterance: Mhm.

utterance: I just need to start by getting personal information from you.

utterance: Mhm.

utterance: So we can log into your account.

utterance: OK.

utterance: Let's see here. So to get started, just gonna need your first and last name.

utterance: Mhm.

utterance: OK.

utterance: As it appears on your account.

utterance: First name Rose, last name Duprene.

utterance: Rose Duprene, OK. There you are. And I I need to get your date of birth.

utterance: My date of birth, of course. That would be four twenty, seventy-seven.

utterance: And I'm going to need your social security number. And your driver's license or state issued ID.

utterance: OK. My social security number is three, two, two, two, oh, four, eight, six, one, one. And then for that ID number I don't remember it. is there another way to check me in or should I go get it?

utterance: you know it's gonna be easiest if you go get it and I can hold as long as you need me to.

utterance: OK, that's wonderful.

utterance: We are in no rush, you take your time.

utterance: How do you develop such a strong sense of patience?

utterance: Well I'm here for eighteen hours a day, six days a week.

utterance: Mhm.

utterance: So time doesn't really matter to me anymore.

utterance: OK. Well, I guess it really doesn't matter at all. OK, I'll be right back.

utterance: Great, take your time.

utterance: I've got it.

utterance: Great. Go right ahead whenever you're ready.

utterance: D, four, two, three, nine, eight.

utterance: All right. And I need your four digit PIN.

utterance: Oh. OK. One, one, two, one.

utterance: Great, all right.

utterance: Mhm.

utterance: Now I'm seeing here that you have multiple cards with us.

utterance: I do.

utterance: Yes.

utterance: would that be your gold business card or your platinum business card that you were looking for the balance due?

utterance: Mhm.

utterance: Oh, Do I still have a traveling card here?

utterance: you mean the traveler's card?

utterance: Yes.

utterance: no. Looks like that account has been closed.

utterance: OK.

utterance: Just. All right then must be the golden I'm trying to find out about.

utterance: OK. So what I'm gonna need is the sixteen digit card number.

utterance: Oh. OK. Four, four, four, four, one, three, two, eight, six, six, one, two, zero, eight, one, two.

utterance: All right.

utterance: Mhm.

utterance: I see here that you are not enrolled in our online banking or our app. just so you know in the future, this information can be easily accessed through our app or our website. And to sign up all you're gonna have to do is go to WWW dot Intellibank dot com. Or go to any app store depending on if you have a droid or a apple device.

utterance: Oh.

utterance: Mhm.

utterance: And download the app.

utterance: Mhm.

utterance: Our Intellibank intellibanking app.

utterance: Mhm.

utterance: And then it's gonna ask you the same questions that I just asked you but once you put those in one time going forward all you're gonna need to do is enter your email address and your four digit ZIP.

utterance: One and done.

utterance: But for now I can go ahead and get that credit card balance for you.

utterance: Thank you.

utterance: So it looks like your balance due is fifteen thousand three hundred eighty dollars and seventy-two cents.

utterance: Holy moly, OK.

utterance: Is there another card that I could check the balance for today?

utterance: No. No.

utterance: All right, anything else I can do for you?

utterance: Mm. No, no, no, no.

utterance: Well in that thank you very much for calling Intellibank and you have an absolutely wonderful fantastic rest of your business day.

utterance: Thank you.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


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

utterance: Hello. I received a notice in the mail and I'm a bit confused. I just want to know the value. You see I have some bonds with Intel Bank.

utterance: Oh sure. so you'd like to know the yield of your savings bond?

utterance: Yes.

utterance: Sure I can help you with that. can I get your first name and date of birth please?

utterance: Alexander Lopez. Six six six two.

utterance: Thank you for that information sir. How are you doing today Mr. Lopez?

utterance: I'm doing OK how about you?

utterance: I'm doing pretty good. It's beautiful weather today.

utterance: Oh is it? Not here. It's raining.

utterance: Oh no. We finally got over that rain. It rained here for the last few days now we woke up to a nice beautiful chilly morning.

utterance: Oh. Long sleeve weather.

utterance: Mm yes sir. All right Mr. Lopez can I get your PIN number please?

utterance: hold on a sec.

utterance: Sure.

utterance: It's six two six two. And my social security number is zero six two six two three six six two.

utterance: OK and you said your social security number was zero six two six two three six six two?

utterance: Yes.

utterance: And that's Alexander Lopez and your date of birth was six six of sixty two?

utterance: Yes that's me.

utterance: All right lots of sixes in there huh?

utterance: Yes.

utterance: All right sir. And what is the time period for that savings bond?

utterance: five years.

utterance: Five year savings bond. OK. All right sir. It appears that we have a ten percent yield.

utterance: OK.

utterance: On that five year savings bond.

utterance: Ten percent. OK.

utterance: Yes sir. Can I give you some information on our online banking sir?

utterance: Sure.

utterance: Well yes sir if you go to WWW dot Intellibank dot com you can always sign up for our online banking options. And it should give you a breakdown of all of our features and all of your account information. You could do things such as ordering checks, print banking statements, check balances, all from the convenience of your own home.

utterance: Well that's great to know.

utterance: Would like me to give you instructions on how to set that up?

utterance: Sure.

utterance: Absolutely. So again you're just going to go to WWW dot Intellibank dot com and follow the instructions for online banking.

utterance: That was Intelli. I N T E L I?

utterance: Yes sir. Intelli.

utterance: OK.

utterance: Bank.

utterance: Thank you.

utterance: You're welcome. All right sir if there's anything else I can help you with?

utterance: No that'll be it. Thank you very much you've been a great help.

utterance: Oh you're very welcome sir. You have a great day OK?

utterance: And you likewise.

utterance: Mm thank you. Bye bye.

utterance: Bye bye.


utterance: Good evening, thank you so much for calling Intellibank tonight. My name is Christina and I will be happy to assist you tonight. May I ask who I have the pleasure of speaking to?

utterance: Hi, my name is James.

utterance: Hi, James. How are you tonight?

utterance: Doing great.

utterance: Great. How can I help you?

utterance: Well, I was thinking about checking out my debt to income ratio and just seeing how I'm doing there.

utterance: Well that's always a good idea for to do that, absolutely. James, I would be happy to assist you with that. Let me just get a little bit of brief info so I can pull you in the system, OK? All right James, what is your last name?

utterance: Sure.

utterance: It's Burns. B U R N S.

utterance: OK, great. And can you please provide your four digit PIN number?

utterance: Yeah. Lemme look around for that.

utterance: OK.

utterance: Fall under my couch? Geez.

utterance: If for any reason you can't find it I can also ask you your security questions.

utterance: Yeah. .

utterance: Do that.

utterance: Of course. What was the name of your childhood pet?

utterance: Her it was. Name was Silver.

utterance: Silver, OK. And then, one more. What was the name of the first street you lived on as a child?

utterance: Martin.

utterance: Martin Street. OK, one moment. OK, great. That does pull up the information. I just need to verify your date of birth.

utterance: Great.

utterance: Yeah, it's on November fourth of nineteen ninety-five.

utterance: OK, great. OK. All right, so I'm just pulling up your account information so I can get that debt to income ratio.

utterance: Great.

utterance: I do see you carry a secured loan with us. and by the way, I see you have a wealth management account, congratulations. It's great to see that you're thinking of your future like that. And I see that you carry our Business Silver Card.

utterance: Yeah I'm doing.

utterance: Doing it.

utterance: OK, great. So.

utterance: So this is.

utterance: Silver, do you think I should go with the Gold or do you think ?

utterance: well, they're. The basic difference between the cards are if you want to carry a higher credit limit you the Gold Card is a great option.

utterance: Oh I don't care.

utterance: I I think I'm fine as is, I don't know why I need anything more. Sorry.

utterance: Oh.

utterance: OK.

utterance: No that's OK. And the other option with the Gold Card is you can get points to either get cash back or to spend.

utterance: I mean.

utterance: I I'm never gonna use those points anyway, let's be honest. So I think I'm just gonna stick with stick with the Silver.

utterance: OK.

utterance: OK, great. All right, so what I'm doing here is I'm looking over an eighteen month period for your purchases versus your credit limit. And I see that you have been exceedingly on time. yes, yes. Like for example your due dates on the credit card are always on the twenty-sixth.

utterance: Yeah? OK, great.

utterance: I can't even.

utterance: Remember when I pay those things off half the time. It just it's kinda all blurs in together.

utterance: Well, it looks like you're set up on autopay and you have it set up for the sixth of the month. So you're paying very early. And it looks like as a general rule, you're paying instead of your minimum balance, you're paying about thirty-five percent over that which is fantastic.

utterance: Huh.

utterance: Well that makes.

utterance: Me happy. I didn't realize what I was doing!

utterance: That's

utterance: That's how you keep your credit score up.

utterance: Yeah I.

utterance: Didn't even remember setting that up.

utterance: Yeah. You've got that all on the autopay, you're doing the same thing with your loan. So, and I'm calculating the loan. I'm plugging in the numbers. OK. You have an amazing debt to credit excuse me. Debt income ratio, it's the best I've actually seen. It's a. It's a thirteen it's a thirteen percent.

utterance: Whoa!

utterance: You're kidding me?

utterance: I love it. I love it, I love it, I love it.

utterance: And twenty percent and below is considered excellent. I've never seen one at thirteen percent.

utterance: And I've been doing this for six and a half years.

utterance: Well.

utterance: I can't. You've made my day when you said that! Oh my gosh!

utterance: Well James, you're doing a lot of the right things and that autopay was another great thing that you did.

utterance: OK.

utterance: Man!

utterance: Have you. I'm just curious, are you asking this because you're considering a loan?

utterance: I think so. I do need to just kinda discuss it with my wife first but after that I might

utterance: Oh.

utterance: The reas~

utterance: Yeah. The reason I was asking is I just wanted to make you aware of an a new type of loan. we have partnered with the SBA. government backed loans much lower interest rate. almost always guaranteed with excellent credit. you can have a ten year loan at only two percent.

utterance: Wow.

utterance: So just consider that. If ask us about that if you are looking to apply for a loan.

utterance: I will.

utterance: Thank you. Thank you. Thank . You've made my day and I appreciate it.

utterance: Oh you've made mine.

utterance: Thank you much for for calling. Is there anything else I can do for you tonight?

utterance: I'm good. Appreciate it.

utterance: OK Mr. Burns, you have a wonderful evening and thank you for calling Intellibank.


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

utterance: Like the breakfast place?

utterance: That's right, I'm the CEO.

utterance: Wow, and you do call centers, interesting.

utterance: Yep. Side business.

utterance: All right, Bob, well, I'm Ted.

utterance: Hi, Ted.

utterance: Hello, I was looking to Open up a savings account today. to have some info on that, if you don't mind.

utterance: OK.

utterance: We can certainly help you out with that savings account. And did you already have a checking account open with us, Ted?

utterance: I do, yeah.

utterance: OK well let's track down your account. Could I have your last name, Ted?

utterance: Hope, Ted Hope.

utterance: Ted Hope, OK, all right, and how about your email address?

utterance: Ted Hope at Yahoo dot com.

utterance: Ted Hope at Yahoo, OK, and how about your mailing address?

utterance: my mailing address is six zero three South Cochrane Avenue, Los Angeles, California, nine zero zero three six.

utterance: OK, and your social?

utterance: Social is one zero zero three three six three seven zero.

utterance: OK great, just a few more things. I need your driver's license.

utterance: the number?

utterance: That's right.

utterance: That is two zero two one. Oh one.

utterance: OK, all right, and then your customer PIN number?

utterance: Three three five three.

utterance: OK, and are you opening a savings account for, I see your personal account is a business account, so would you like to open that savings account for your business account?

utterance: No I actually wanna do it for my personal.

utterance: Oh your personal, OK, sounds good, we can do that for you, great. OK, personal savings account. And would you like to transfer any funds from your personal checking into your new savings account?

utterance: sure, yeah, let's go ahead and do that.

utterance: OK great, you do need to have a minimum of three hundred dollars in your account in order to waive that service fee. Would you like to go ahead and deposit three hundred or more today?

utterance: yeah, we can do that, sure.

utterance: OK great, and so it'll be three hundred to your personal savings. And can you confirm your checking account number for me please?

utterance: Yeah, it's one zero zero three three four.

utterance: And your routing?

utterance: two zero two eight, five one.

utterance: OK great. So I've opened up that personal savings account. That'll be linked to your checking account. It'll all show up in your app on your phone. You can transfer funds from your checking account to your savings account. And did you wanna open up a business savings with your business today?

utterance: Mhm.

utterance: I'm so sorry, could you say that again?

utterance: Would you like to open up a business savings as well today?

utterance: No.

utterance: No, no, no, just the personal.

utterance: OK great. So you will have a monthly service fee of twelve dollars, unless you do have your minimum remaining in your account of three hundred dollars, that service fee will be waived. And you do not have an interest rate. Do you have any other questions about your account?

utterance: I don't have an interest rate?

utterance: No.

utterance: OK good, what, there's no way that I'm going to?

utterance: No, you'll never have an interest rate on your savings account personally. Only if you were to open a business account.

utterance: OK, great.

utterance: OK, great, and is there anything else I can assist you with today?

utterance: Well, yeah. I just, my neighbor, he talks about you know, his interest rate's constantly going up. I just wanna make sure that that's not happening to me.

utterance: Mhm.

utterance: No that's not happening to you. I'm not sure who your neighbor is, but that could be if they have a business account. If if they have a business account, and they're making a lot of withdrawals, their, their their interest rate could go up pretty high.

utterance: OK.

utterance: And you're saying that's not gonna happen to me?

utterance: No, so long as you do have that minimum of three hundred in your account at all times, your interest rate won't go up. You won't have a service fee. But if of course you do withdraw that three hundred then your interest rate would rise.

utterance: Mhm.

utterance: OK, great, well you were very helpful.

utterance: Well it was my pleasure assisting.

utterance: OK, yeah, I think that's all the questions I have, unless you have any questions for me?

utterance: Well, a lot of questions. If you would like to tell me about your childhood traumas?

utterance: Oh, I mean Yeah, I we don't have time for that. Too many, too many to, you know.

utterance: Yeah,

utterance: Yeah so, all right, thanks so much.

utterance: All right, take care, see you.

utterance: See you.


utterance: Thank you for calling Intellibank home of the smart savings and low rate SPA loans. My name's Richard how can I help you today?

utterance: Yeah I'm calling to try to get a bank statement. I was trying online and I just couldn't get in, I need some help, I need this statement right away.

utterance: OK. Well I can definitely help you with that and make sure that you get it before the end of business today may I have your name please?

utterance: Robert Nelson.

utterance: OK Mr. Nelson.

utterance: Now Robert there is a four digit PIN number that is associated to your Intellibank account.

utterance: Twenty-two forty-eight.

utterance: Twenty-two forty-eight, thank you so much.

utterance: just give me one second while we pull that up.

utterance: All right so I have this here pulled up Mr. Nelson, what is your date of birth? Please verify that for me please.

utterance: That's eleven twenty-two nineteen eighty-five.

utterance: Eleven twenty-two nineteen eighty-five fantastic.

utterance: OK and I see a few account numbers listed here which account number are you wanting the statement pulled from?

utterance: It's the

utterance: Two three six nine, eight four nine three seven, oh nine B S number.

utterance: It's that account.

utterance: Zero nine B S OK I see that one here.

utterance: All right and that is your gold checking account so congratulations so much for being upgraded to gold.

utterance: All right so we have a couple of options to deliver these bank statements to you one of which is sending it through the mail and that's three to five business days, another is email which is instantaneous.

utterance: Let's do the instant.

utterance: OK we'll do the email and I just wanna make you aware that when we send it through email it is a secure email so you don't have to worry about your information being hacked or stolen. Also this information will be sent in the PDF form which allows you to print it off as many times as you need.

utterance: Yeah. let me get that.

utterance: There's.

utterance: OK well there's a one time charge of twenty dollars to get this sent your way.

utterance: And we can bill that to the account that we have opened here.

utterance: The nine zero B S. Would you like the twenty dollars to be billed to that account?

utterance: Yeah that's

utterance: That sounds good how's the weather up there?

utterance: Oh the weather's good. The weather's good. It's

utterance: Mm. Right.

utterance: That's good let's see if we can get these mailed out.

utterance: Oh you want them emailed to you correct?

utterance: Yeah.

utterance: What is the range that you're needing this bank statement? Are you needing it.

utterance: Two months is fine.

utterance: You need

utterance: Two months. OK.

utterance: All right.

utterance: Just give me one second we'll get this information entered in to your email address.

utterance: And sir could you verify your email for me please?

utterance: Yeah. That would be Robert at Gmail dot com.

utterance: Robert at Gmail dot com, all right, I'm populating your email now.

utterance: And just be aware there will be some added information in your email there will be two links, one of which is for our online banking and the second link is to download our mobile app.

utterance: What this does is this allows you to do more bank transactions on the go so that if you have anything you need taking care of and our bank offices are closed or your not nearby you can still get those things taken care of.

utterance: yeah.

utterance: Also I'm gonna put in there, I see that you are one of our loan holders and I'm gonna put some extra information in your email about some of our newer rates that we have going on.

utterance: You know just don't send me extra extra marketing materials you know? I I I you know. No

utterance: No.

utterance: No sir this is specifically for the type of loan that you carry and the new rates that have come out.

utterance: I think you'll find these a little bit more beneficial but again this is just for your perusal if you like it call us back and we'll we'll be more than likely we'll be more than happy to help you move through this process if you don't like it that's fine too.

utterance: OK that sounds good.

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

utterance: No, no. I think you I think that's it.

utterance: OK.

utterance: Well once again thank you so much for being a gold member here at Intellibank. We thank you so much for your long time service. Please keep in mind the smart savings that we have better rates than any of the other savings in the city and our low rate SPA loans. Michael thank you so much for calling Intellibank today. Have a great day.

utterance: Take it easy, all right, thank you.

utterance: Bye bye.


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

utterance: How you doing, Jerry? I got something in the mail saying that y'all were doing swift approvals on real estate loans. Now can you tell me about that a little bit?

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

utterance: Ben Rumaise.

utterance: and is the what is the name of the account that you have with us?

utterance: It's Ray's Construction.

utterance: All right.

utterance: Terrific. Terrific. And Mr. Mays, is that M A Y S?

utterance: Yes.

utterance: All right. Mr. Mays, if I could ask, what is the date of birth?

utterance: three twenty-six nineteen seventy.

utterance: And what is your account number?

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

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

utterance: Oh, it's one seven zero nine.

utterance: Terrific, thank you for that. And yes, I was able to verify your account, Mr. Mays. And Mr. Mays let me see here. it appears that the notice is to inform you that we, of course are offering our SBA five oh four loans. And with those, they really offer for very fast and swift approvals on real estate purchases and refinancing.

utterance: and in part, that is because they are backed by the Federal Government.

utterance: Oh that sounds good to me.

utterance: That's good.

utterance: it sounds it sounds like that might be something you're interested in. Are you interested in potentially applying for that?

utterance: Yes, sir. I'm very interested in applying for it.

utterance: All right, well terrific. let me see if we can get this pulled up and get you started on an application with us. If I could just ask, what is your address personally? For you? there, Mr. Mays?

utterance: that address thirty-six eighty-eight, Layman Court, Smyrna Georgia. Three zero zero eight zero.

utterance: And hey I'm sure happy I got you on the phone here man, cuz I I I been wanting to tell somebody about how good them Braves is and how good I feel about this World Series.

utterance: Well there you go. I mean the World Series have been very exciting. I agree with you that they have captivated a lot of folks watching two very good teams, and the Braves, I think I saw on television, they said twenty-five, twenty-six years since their last championship.

utterance: Oh yeah, it's a long time. That's a lifetime.

utterance: Yes, sir. Yes, sir. So I I I take it, you must be a a Braves fan.

utterance: Yeah, Yeah well. Die hard Braves fan.

utterance: Well there you go. I mean, congratulations to you and your team. they really surprised the world.

utterance: Oh yeah. They they shook up the world.

utterance: Yes, sir. Yes, sir.

utterance: Well, yes, I was able to get this pulled up here. And let's go ahead and continue with your application here, Mr. Mays. what is your social security number?

utterance: my social security number it's two three five zero six eight two six eight.

utterance: And what is your tax ID number?

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

utterance: All right. And what's your driver's license number?

utterance: Driver's license number is zero nine two five nine eight two two.

utterance: And what state is that in?

utterance: It's in Georgia.

utterance: And what is your business address?

utterance: my business address, my business address is thirty-six eighty-eight Layman Court, Smyrna Georgia. Three zero zero eight oh.

utterance: And is your mailing address the same?

utterance: yes, sir. Yes, sir. That that that thirty-six eighty-eight Layman Court, Smyrna Georgia, three zero zero eight oh. Yes, sir.

utterance: And what's your business email?

utterance: My business email it it it it's B Mays at at Ray's Construction dot com.

utterance: And what's your personal email?

utterance: My personal email it's B W Mays at at at Ray's Construction dot com.

utterance: All right, and when was your business started?

utterance: It was started in May in May, the seventh nineteen eighty-four.

utterance: All right, and what is the gross annual sales for your ?

utterance: about twenty million.

utterance: And what's the amount of the loan you were looking for?

utterance: maybe five million.

utterance: And how much were you looking to put down?

utterance: Twenty percent.

utterance: And what's the purpose of the loan?

utterance: refinancing.

utterance: OK. financing is is there a particular property?

utterance: Yeah. on the the the the three. The thirty-six eighty-eight Layman Court, Smyrna Georgia, three zero zero eight oh.

utterance: That property.

utterance: OK, so you wanted to refinance your business address?

utterance: Yes.

utterance: And, what is the routing number that you wanted to have funded?

utterance: that'll be six nine five eight seven nine eight nine seven.

utterance: And what's the account number?

utterance: The account number it's nine eight four six five nine one nine.

utterance: All right, and are you the sole owner?

utterance: Yes, sir.

utterance: All right, terrific.

utterance: I was able to get that in there. And one other thing, what is the term of the loan you were looking for?

utterance: we'll say ten years.

utterance: All right.

utterance: All right, and Mr. Freeman, I was able to get everything processed here for you, as you've requested.

utterance: And, with that being the case Mr. Freeman, I'll get this over to our loan department and when doing so they will of course be able to review your application and within approximately two to three business days they'll process your information and reach out to you and let you know what the next steps are.

utterance: Hey thank you so much. I really appreciate that.

utterance: Thank you.

utterance: Mr. Freeman, is there anything else I can help you with?

utterance: that'd be all, sir. Thank you I I thank you for your time, sir.

utterance: Thanks. Well Mr. Freeman, you have a great day.

utterance: Thank you, too. Bye bye.

utterance: Bye bye.