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

utterance: Good morning, Amanda. How are you today?

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

utterance: I'm doing well. Thank you. the reason I called this morning, I'm looking to make a loan for my business that and do you have some that are government backed?

utterance: yes, ma'am. We actually have two different loans that are backed by the government. the first one that we would have would be an SBA seven A loan. And that one right there is, you know, just like a basic loan where you can use it to make different purchases for things, such as working capital, refinancing current business debt, purchasing different things for your business. And then we would also have an SBA five oh four loan, which basically acts like a real estate loan. Which one would you be interested in?

utterance: I think I need the SBA seven A loan.

utterance: OK, great. So did you want to go ahead and do the application for the SBA seven A loan today?

utterance: Yes, ma'am.

utterance: All right, wonderful. I'd be more than happy to assist you with that, ma'am. may I have your name, please?

utterance: Yes. I'm Emily Post. I live on forty-eight hundred Oak Way in Lincoln, Nebraska.

utterance: OK, ma'am. I have your first name as Emily, E M I L Y, and your last name as Post, P O S T. And I have your address as four eight zero zero Oak Way in Lincoln, Nebraska. And may I have your ZIP code, please?

utterance: Yes, ma'am. It's six eight five oh four.

utterance: All right, six eight five zero four?

utterance: Correct.

utterance: Thank you. And may I have your social security number, please?

utterance: Yes, ma'am. My social is five oh eight two three three one oh four.

utterance: OK, so that's five zero eight two three three one zero four?

utterance: Correct.

utterance: Thank you, Miss Post. And may I have your driver's license number, please?

utterance: Yes, ma'am. It's H five one five nine one five nine six.

utterance: OK, so I have H five one five nine one five nine six?

utterance: Correct.

utterance: Thank you. And what state was that issued?

utterance: Nebraska.

utterance: Nebraska. Thank you. And, Miss Post, anytime that you would need to call in and, you know, like check on that status of your application or to access any information about any of your accounts, then we will be asking you for a PIN number. Now, that could be between four and eight digits long. What would you like that to be?

utterance: Twelve twenty.

utterance: All right, so one one two zero?

utterance: Correct.

utterance: Thank you, Miss Post. And may I have your email address?

utterance: Yes, ma'am. It's E Post twelve at Gmail dot com. And the other one is E Flowers at Gmail dot com.

utterance: OK, ma'am. now, is one of those your personal email and the other your business email?

utterance: Correct.

utterance: OK, we usually just go with for the applications, with your personal email address. would that be the E Post twelve at Gmail dot com?

utterance: Yes, ma'am.

utterance: OK, thank you so much for that. And may I have the name of your business, please?

utterance: It's called Emily's Flowers.

utterance: OK, Emily's Flowers. And are you the sole owner of this business.

utterance: Yes, ma'am.

utterance: Thank you. And what date was this business established?

utterance: May the first, two thousand and five.

utterance: All right, May first, two thousand five. And what are. OK, what are your gross annual sales?

utterance: sixty-five thousand a year.

utterance: Sixty-five thousand. Thank you. And may I have your tax ID number, please?

utterance: Yes, ma'am. It's two oh three five nine two nine two three.

utterance: OK, I have two zero three five nine two nine two three.

utterance: Correct.

utterance: Thank you. And what is that address of your business?

utterance: Sixteen hundred Meadow Brook Road, Lincoln, Nebraska.

utterance: OK, I have one six zero zero Meadow Brook Road, Lincoln, Nebraska.

utterance: Yes, ma'am.

utterance: Thank you. And that ZIP code, ma'am?

utterance: Six eight five oh four.

utterance: All right, six eight five zero four. And I do need a mailing address for you, Ms. Post. That can either be your home address or your business address.

utterance: I prefer to use my business.

utterance: OK, and just to verify the mailing address, that will be one six zero zero Meadow Book. I'm sorry, Meadow Brook Road in Lincoln, Nebraska, six eight five oh four.

utterance: That's correct.

utterance: Thank you so much. And is what is the purpose that you're needing this loan for?

utterance: We need to remodel.

utterance: OK. Update.

utterance: OK, so construction costs?

utterance: Yes, ma'am.

utterance: OK, thank you so much, Miss Post. And how much are you needing this loan to be for?

utterance: Twenty thousand.

utterance: Twenty thousand. Thank you. And what would you like the loan term to be?

utterance: two years will be fine.

utterance: OK, two years. Thank you. Now, on the SBA seven A loans, we do require a down payment. That could be from between five and twenty percent.

utterance: Five percent would be great.

utterance: OK, five percent. Thank you. And for your payments, we also need an account to be able to draft your payments for this. May I have the routing number for your funding account?

utterance: Three one four six eight three five oh eight.

utterance: OK, three one four six eight three five oh eight?

utterance: Yes.

utterance: Thank you, ma'am. And may I have that account number, please?

utterance: One four six seven seven three six six seven.

utterance: All right, one four six seven seven three six six seven?

utterance: Correct.

utterance: All right, Miss Post, well, that does it for this end of the application right here. just please make sure and send in your supporting business documentation. And we will get back to you with the results of your application just as soon as possible. OK?

utterance: All right. Thank you.

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

utterance: No. I think we've covered it all.

utterance: All right, Miss Post. Well, thank you so much for calling Intellibank, and have a wonderful day.

utterance: Thank you.


speaker_role: Agent

utterance: Hi, thank you for calling Intellibank, this is Georgia speaking, how may I assist you today?

speaker_role: Customer

utterance: Hey Georgia, this is Michele over at Carol's Restaurant Group, I was calling to check some account balances with you please.

utterance: I'd be more than happy to assist you with that today. Let me get some information from you so I can pull up those accounts. May I have your full name as well as your birth date please?

utterance: Sure, again this is Michele M I C H E L E Dixon, D I X O N, and my birth date is June the sixth, nineteen ninety-two.

utterance: Thank you so much Ms. Dixon, I have your last name spelled D I X O N and your date of birth as June the sixth nineteen ninety-two.

utterance: Yes ma'am that's correct.

utterance: Thank you so much, and may I have your pin number please?

utterance: yeah sure, you know what? We actually just changed that a few days ago and I've got the new one written down in the other office. Could you hold for just one second while I run and grab that?

utterance: That's no problem whatsoever Ms. Dixon, let me know when you're back.

utterance: OK, great, thank you. OK, I'm back, you still there?

utterance: Yes ma'am, I sure am. Were you able to locate that pin number?

utterance: Yes ma'am, it is two zero eight five nine eight. Three one.

utterance: Thank you, that was two zero eight five excuse me two zero eight five nine eight three one?

utterance: Yes ma'am that is correct.

utterance: Thank you so much. I'm ready to go ahead and check those account balances for you, may I have the account number for the first account you'd like to check?

utterance: Yeah, absolutely. This one will be for our checking, which is nine six three, eight zero two, five zero eight nine.

utterance: OK, I have that account number as nine six three, eight zero two, five zero eight nine?

utterance: Yes ma'am that's correct.

utterance: Thank you so much, just one moment. OK Ms. Dixon, I'm showing this checking account balance as one hundred and fifty-eight thousand, eight hundred forty dollars, and ninety-three cents.

utterance: OK, that's a hundred fifty-eight thousand, eight hundred forty dollars ninety three cents?

utterance: Yes ma'am that is correct.

utterance: OK, great. Thank you, and let's see the second account will be for our Smart Savings, and that account number is, eight six one, triple zero, three nine seven five.

utterance: Thank you. I have that account number as eight six one, zero zero zero, three nine seven five.

utterance: Yes ma'am that's correct.

utterance: Thank you so much. showing this balance as four hundred and ninety-one thousand three hundred sixteen dollars and eighty-seven cents.

utterance: OK, let's see I'm sorry that's four ninety-one three sixteen eighty-seven?

utterance: Yes ma'am that's correct.

utterance: OK, great, thank you. And the finally account that I need to check is for our our oh my goodness I cannot think of the name of this one it's the the the the stock market account. I'm so sorry, it's been a very long day today.

utterance: Oh that is no problem Ms. Dixon, was it the wealth management account you were speaking of?

utterance: Yeah, yes ma'am wealth management I'm so sorry.

utterance: Oh that's not a problem whatsoever Ms. Dixon. What would that account number be?

utterance: that would be zero six seven, three six two, six four eight six.

utterance: OK, I have zero six seven, three six two, six four eight six?

utterance: Yes ma'am that is correct.

utterance: OK, thank you so much Ms. Dixon, just one moment. I'm showing this balance as eight hundred and eighteen thousand four hundred ninety-six dollars, and ten cents.

utterance: OK good deal, I'm so sorry about about that I'm gonna laughing about that all day that was eight hundred and eighteen thousand four ninety-six ten.

utterance: Yes ma'am, Ms. Dixon, that's correct.

utterance: OK great, thank you so much Georgia, you've been a pleasure today.

utterance: Thank you so much Ms. Dixon, same the same goes for you, is there anything else I can assist you with today?

utterance: Nope, that'll be all. Thank you again.

utterance: Thank you so much for calling Intellibank Ms. Dixon, you have a wonderful day.


utterance: Hi this is Danny Brookes at Intellibanking. How can I help you today?

utterance: Hi, my name's Jake.

utterance: And reason for my call is because I well sorry I called last week cuz I ordered some more checks from you I have I have an account with you.

utterance: well so I have I have a personal checkings and savings account with you but I I also have a business account with you and so on my personal account I have a rewards card also have a silver card but for my business account I was like I do a lot of traveling internationally so I was hoping to get a travelers card for my business account.

utterance: And I just like I I know what my net my net income is for my for my personal accounts but for my business account could you just help me determine what my net income is?

utterance: Yes. I'd love to help you with that today.

utterance: can I get your last name Jake?

utterance: Yes my last name is Lanister.

utterance: Lanister. And can you go ahead and spell that for me please?

utterance: L A N I S T E R.

utterance: OK great. And what's your birth date?

utterance: My birthday is five six nineteen eighty-four.

utterance: Five six nineteen eighty-four?

utterance: Yes.

utterance: OK. So before we proceed I just need to verify some information for security purposes.

utterance: OK yeah. That's that's fine.

utterance: OK. Can I get your PIN for your account?

utterance: Four four three three.

utterance: And just to be sure can I get your account number?

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

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

utterance: That's right.

utterance: OK great. And I'm just gonna go ahead and ask you just a few more security questions. You might recall you set these up when you created your account.

utterance: OK no problem.

utterance: OK.

utterance: What sport did you play in middle school?

utterance: Badminton.

utterance: OK.

utterance: Have you ever played badminton?

utterance: no.

utterance: Super intense sport. Very like dangerous sport. People get really hurt in badminton more than you'd think. But yeah I'm.

utterance: Wow. I would have never guessed.

utterance: I'm a. I'm a.

utterance: World champion badminton player.

utterance: Oh, congratulations.

utterance: Thank you.

utterance: Thank you

utterance: OK so who's your favorite musician?

utterance: my favorite musician, Adele.

utterance: Adele.

utterance: OK! thank you for verifying that for me. I'm gonna go ahead and pull up your account right now. Just one moment.

utterance: OK.

utterance: OK. I am now in your account and you wanted to verify your net income, correct?

utterance: Yes.

utterance: OK lemme just pull that up. Just one second.

utterance: OK so looks like this year your net income was five hundred and seventy-five thousand.

utterance: OK. And that's from my business account right?

utterance: let me double check. Yes, this is your business account.

utterance: OK.

utterance: OK great. So if I wanted to get the travelers card for my business account. so I need to go ahead and apply online? Or could I do this yes. Over the phone or what's the best tool?

utterance: Over th~

utterance: We could

utterance: Do either way and judging by your net income you'll have no problem getting the travelers card But I am wondering have you considered applying for the Platinum card? It includes all the benefits of the traveler's card plus some added bonuses.

utterance: Really? I no I didn't really look into it that much. But OK! So do you think I I'd get better better benefits from my platinum card?

utterance: Yes. So you get all the benefits of the travel cards plus you get ten percent back at all our affiliated restaurants you also get an a discount on Amazon dot com.

utterance: I love Amazon dot com. I get prime shipping everyday. All the time. Actually think I have a delivery. Actually I I have a delivery buzzing at the door. OK. I yeah. I think I'm gonna do that. I'm gonna apply online cuz I have to open the door for the delivery guy but so I apply online and then you lo look just send it to me? Like when do you think I'd get it?

utterance: so.

utterance: Like after.

utterance: Approval.

utterance: Yes so as soon as you apply you get an email from us saying that we received your application and then within one to two business days you'll get a phone call from one of our customer service representative, might even be me. And we'll let you know whether you are approved.

utterance: but like you said I don't think you'll have any problem being approved so.

utterance: OK. Well I hope I get approved and I hope I hope you're the one that calls back.

utterance: OK well I'm so glad I could help you today. Is there anything else that I can do for you?

utterance: No you were you were amazing.

utterance: OK. You have a lovely day.

utterance: You have a better day.

utterance: Thank you.

utterance: Bye.


utterance: Good afternoon. My name is Arlene and I will be assisting you on this Intellibank call today. How may I help you?

utterance: Hi how's it going? So there's a couple of things I wanna do. I'd like to update my email address and my business phone number.

utterance: OK I'd be happy to help you with that today. How's your day going?

utterance: Great.

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

utterance: Good good and may I get your full name please?

utterance: Yeah it's Thomas Scott.

utterance: Thomas T H O M A S Scott S C O T T and my PIN number is three two four three.

utterance: Oh perfect I was me and my next question.

utterance: My

utterance: Phone number is eight one two, four.

utterance: Oh thank

utterance: You so much for that Thomas. I I don't need the phone number. At least not at this point.

utterance: OK.

utterance: All right so three two four three is the PIN. Let me just pull up your account.

utterance: All right the just the one thing I will need is to verify your date of birth.

utterance: Sure thing.

utterance: It's June fourteenth nineteen ninety two.

utterance: Perfect. OK so all your information is pulling up right now. And the phone number I have on file is three two three nine oh seven four nine two six.

utterance: Yes and the new one would be three two three four two seven seven three eight one.

utterance: Uh-huh.

utterance: All right. Are we removing the first phone number or keeping it as a secondary number?

utterance: we're getting rid

utterance: Of it.

utterance: OK, bye bye phone number.

utterance: Getting rid of.

utterance: Bye bye.

utterance: All right so just verifying the new number is three two three four two seven seven three eight one?

utterance: Yes that's correct.

utterance: OK.

utterance: and would you like me to change this on all of your accounts? OK. I see you have your business gold credit card.

utterance: Yeah change it on all of them.

utterance: Your business total checking and your Intellibank smart saving. So bear with me I'm just gonna go into each screen to change that.

utterance: No problem.

utterance: You're gonna hear between fifteen to thirty seconds of silence. I'll be right back.

utterance: man I'm tired. I just stayed up way too late last night.

utterance: It's kinda one of those days where you just can't fall asleep. You know what I'm talking about. Just wake up exhausted. It's miserable.

utterance: All right thank you for holding I'm back.

utterance: All right I did change the phone number in all of your accounts. So that is done. And I just sent an email confirmation letting you know that change took place.

utterance: And there was one other thing you wanted to do?

utterance: Yeah my email address too.

utterance: OK. And again for all three accounts?

utterance: That's right.

utterance: All right the email address I have on file currently is I walk your dog thirty-two at Gmail dot com.

utterance: Yeah I'd like for something a little more professional.

utterance: All right. No problem. What would you like to change it to?

utterance: Right.

utterance: I am A M Thomas T H O M A S Scott at AOL dot com.

utterance: OK great.

utterance: I A M T H O M A S S C O T T at AOL dot com.

utterance: Yeah I am Thomas.

utterance: I am Thomas Scott. Got it. All right. So bear with me one moment. I'm just gonna go and remove the email address from all three accounts. One moment.

utterance: Yeah.

utterance: Uh-huh.

utterance: Actually I can do them both at the same time. So again you will hear a few seconds of silence. Up to fifteen seconds. I'll I'll be back.

utterance: Oh, no problem.

utterance: Got all the time in the world.

utterance: All right thank you for holding Mr. Scott. bear with me one moment. I'm just having a little bit of a screen freeze.

utterance: So it's just taking me a few seconds longer.

utterance: Not a problem.

utterance: I know you said you had all the time in the world but I don't want you to spend all of your day with us at Intellibank.

utterance: I'm not

utterance: worried about it. I'm fine.

utterance: Well I'm glad glad you're having such a good day. It's nice to have such a pleasant customer.

utterance: Little tired but outside of that it's been a it's been a pleasant day. Yeah.

utterance: Been a good day. How's the weather

utterance: Where you are?

utterance: I'm in LA so it's always pretty nice.

utterance: It is. A little smoggy I hear out there but nice.

utterance: Yeah.

utterance: It's

utterance: Not the best. But you know you just kinda get used to it. And no the weather the beaches it makes it all worth it.

utterance: I was

utterance: Gonna say you've got mountains, you've got beaches.

utterance: Oh, everything.

utterance: OK, all right.

utterance: Now I've gotten it done. And I just sent you the email confirmation to let you know that that change has taken place.

utterance: Fantastic.

utterance: Is there anything else that I can do for you today Mr. Scott?

utterance: No I think that oughta do it Thank you so much for all your help I appreciate.

utterance: You're welcome. And while we're always here to help you over the phone. I also wanna let you know that you can do any of these changes online or via our mobile app.

utterance: Got you.

utterance: All right. You have a wonderful day and thank you for calling Intellibank.

utterance: Yeah.

utterance: You too. Take care.

utterance: Bye bye.


utterance: Thanks for calling Intellibank my name is Mindy. How can I help you?

utterance: Hi Mindy. my name is Sahm and

utterance: Hi Sahm.

utterance: My name. Yeah and yeah my business moved and I just I don't I don't know how you're gonna be able to find me.

utterance: Your business moved and you don't know how we're gonna find you? You mean to send you statements or?

utterance: Yeah. I mean you know I mean it's not like you it's not like you all know me personally or anything. It's just my business moved and and now there's a new business there and my business is in another place and it's not like I'm gonna go over there to Ralph's Cupcakes and ask for my mail. So I I don't know what I mean do I need to close my account and make a new account or something? Cuz actually yeah I think I'm I'm gonna need to close my account because because my business moved and you're not gonna be able to find me.

utterance: Oh. all right Sahm, well thanks for calling. I think do you have a new address? We could just update your address on file.

utterance: Oh! You could do that?

utterance: Yeah.

utterance: OK. That I mean that'd be easier than than closing my account and you know starting a starting a new right?

utterance: Right.

utterance: Starting fresh. So.

utterance: Yeah.

utterance: No that's that's .

utterance: And and that would

utterance: Go through and you'd be able to send me all the same stuff that you've been sending me?

utterance: Yes.

utterance: And and all that?

utterance: you would receive everything that you've been receiving. Just to a different address. The address that you're actually at now.

utterance: Mhm.

utterance: Yeah.

utterance: Yeah. Would you send my electronic bank statements to my new address?

utterance: We. Yeah. I mean we will send that as well.

utterance: got you. Electronic bank statements. See I I I was testing you on that one.

utterance: I know.

utterance: No I heard you.

utterance: Well Sahm, we have to put your information in, but several of our members have different accounts and some of their accounts are paper and some of their accounts are electronic.

utterance: Yeah but I specifically said will you send my electronic statements to my new address and how are you gonna send electronic statements to a mailing address? You see what I see what I did there? See I was just I was just messing with you.

utterance: I do see what you did. I do

utterance: See what you did but technically we have some clients that are on their phone so their address is wherever they are.

utterance: Oh touché.

utterance: So

utterance: They can access it virtually.

utterance: Wow. All right you know what? You got me there. I thought I was clever with that whole trick but then you got me there. You send me an email on my phone technically you're sending it to my new address that you sending my bank statements. See, I do improve. You do improve at all?

utterance: Oh.

utterance: I do not. No.

utterance: I feel like being working at a call place that you would, doing customer service, that you'd be good at improve.

utterance: Yeah sometimes.

utterance: Cool. So how do I go about changing my address? And also I need to also what's what's my balance of my my Intellibank intelligent savings?

utterance: Oh the smart, you meant Intellibank smart savings?

utterance: Account.

utterance: oh yeah. That's what it's called. Yeah, that's right.

utterance: OK.

utterance: Well first let's put your information in our system so we can check your accounts. How does that sound?

utterance: OK. That I'm I'm all for that.

utterance: Great. OK so your first name. Are you here as Sahm or?

utterance: yeah, people call me Sahm. You know? My name is my, you know my my birth certificate name is Samuelson. But who goes by that? Who goes by Samuelson? And not even Samuel, Samuelson. I mean blame my parents for that one.

utterance: So.

utterance: Yeah. So I mean but your your first name on file with us would be Samuelson?

utterance: I don't think so, no. I think it's just Sahm. Because I I totally go away from you know that the birth certificate name. Unless it's like super-duper like you know in court or something. They'll call me Samuelson. Like anytime I have a lawsuit or something you know they address me as Samuelson. Which is annoying as hell cuz it makes me look like an asshole for the jury.

utterance: OK.

utterance: Mm.

utterance: OK.

utterance: Right.

utterance: Right. Samuelson. Of course he's guilty, right? But I think on all my official documents I just go by straight Sahm. And that's spelled S A H M.

utterance: OK. well we will we will look. S A H M. Got it. Sahm. What is your last name?

utterance: I'm sorry. There was some static on the phone or something could, it kinda dropped.

utterance: Oh no

utterance: No problem. What's your last name Sahm?

utterance: Hayworth.

utterance: OK. Can you spell that please?

utterance: H A Y W O R T H. You know just like Rita Hayworth as a matter of fact. Not related. I wish. Shit.

utterance: Oh very good.

utterance: OK.

utterance: Yeah.

utterance: But.

utterance: OK. Well.

utterance: It's

utterance: Just a happy coincidence.

utterance: Very good. Well that's great. What is your date of birth?

utterance: twelve zero five nineteen eighty-six.

utterance: OK. And what is your PIN?

utterance: Nine seven eight four.

utterance: OK, and because this is going to be changing of an address we are going to require additional security. So this is an additional security question. What is the name of your favorite town?

utterance: you know I'd have to say Cape Town.

utterance: Cape Town.

utterance: Yeah.

utterance: OK.

utterance: I mean that's the only town I know of actually that has town in the name. I mean was that the question or is it? But yeah you could just. Yeah Cape Town. I mean that's what I put cuz I. That's how I read the question anyway. Like.

utterance: Yeah, but that's

utterance: Yeah and that is correct. That is what you. So we are in your account now. Sahm. Excuse me. and your Intellibank Smart Savings account. and that is the account we're going to change the address on. Is that correct?

utterance: Yeah.

utterance: Yes.

utterance: OK. Can I ask you your bank number, your account number?

utterance: Yeah it's three six nine seven seven four four nine eight three.

utterance: OK. Great. All right. So what is your new address then that you would like to receive your statements at?

utterance: Dammit. yeah I gotta I gotta look that up. Cuz like I just totally just moved and I need to I need to check that. Give me one second. I have it on like the you know on on a piece of paper or something. Like I wrote it down. Oh yeah here it is. OK so it's seventy-five west first street.

utterance: OK.

utterance: OK seventy-five west first street. And your city?

utterance: Dayton.

utterance: D A Y T O N?

utterance: Yes indeed.

utterance: OK. What state is that?

utterance: Ohio.

utterance: OK. What's the ZIP code?

utterance: yeah it's nine zero zero two five.

utterance: OK. Great. OK so I just want to confirm that we are we are changing your address here. and you just provided me the new address. OK. Is that correct?

utterance: Sorry are you there? I think there was some static or something. Like this my I think I get like. I get terrible service here.

utterance: Yeah. Oh yeah sorry about that. Uh-huh.

utterance: OK. Yeah that's. Yeah so as long as the change of. Sorry dropped. The static again, it's like it comes in and out. It's very spotty. So yeah as long as my change of add~

utterance: Sahm? Hello? Sahm?

utterance: Sorry about that. My my my cat was one the windowsill and just fell right off literally. But don't worry the cat didn't get hurt. But just looked funny as hell. the cat like they always land on their feet but.

utterance: Oh.

utterance: Oh my gosh.

utterance: Yeah.

utterance: Cats are so funny. I have one too. Oh my gosh yes. so I just wanted to confirm your new address. is there anything else Sahm I could help you with today?

utterance: Yeah. Dude.

utterance: You have a cat. Oh yeah, yeah.

utterance: No. If if this updated business address is if it's updated then I think that's good. I'm sorry my cat again man just like my my cat's over here playing with this. My cat's playing with this ball. I wish you could see it. I wish you could see it. It's just playing with this.

utterance: Oh my god. Cats are so funny though. Oh my goodness cats are hilarious. My cat I laugh all night with her. Oh she's such a riot.

utterance: Phone.

utterance: Yeah.

utterance: Oh yeah. Definitely. But OK. So that yeah if my if my business is updated then we're good. I'll just be here with my cat and playing with my cat. Giving give the cat plenty of attention so.

utterance: Thank you so much. So thanks for calling, my name is Mindy, and have a good night.


utterance: Hi thank you for calling Intellibank customer service. My name is Derrick and I will be your customer service representative. How can I help you today?

utterance: Hey Derrick. My name is Teddy, and I wanna change my PIN.

utterance: OK I think we can help you with that. Let's go ahead and get your information, we can take a look at your account. What is your first name and your last name?

utterance: Teddy Young.

utterance: OK, that's T E D D Y, I'm assuming for Teddy? And then Young, how would you spell that?

utterance: Correct.

utterance: Y O U N G.

utterance: Fantastic and what would be your date of birth?

utterance: Date of birth is August sixth nineteen eight seven. Driver's license is D six three five zero zero one two. Social security is three four one zero two eight eight one three.

utterance: Actually that's all we're going to need so far. You're getting a little bit ahead of me and I need to catch up to you.

utterance: Oh, I'm sorr~

utterance: Sorry sorry.

utterance: No, no worries. No worries at all. All right, so I got your date of birth and you said that you were changing your PIN, correct?

utterance: Yeah if that's OK.

utterance: Yeah that absolutely fine, that's that's totally within your freedom to do. So I'm going to need your old PIN just so I can access your account.

utterance: OK old PIN, five one five three.

utterance: Five one five three, that checks out.

utterance: Cool.

utterance: And what is your new PIN?

utterance: shut. OK give me one sec. Lemme, I just gotta look for it real quick. My wife specifically wanted a certain number. Give me one sec.

utterance: Sure.

utterance: Take your time.

utterance: Yeah. How's your day going so far, while I look for it?

utterance: Oh it's it's going pretty well. had a falafel for lunch so it's it's it's looking good.

utterance: Oh yeah that's what you just said falafel?

utterance: Yeah just one.

utterance: Just one? That's funny.

utterance: Yeah I like falafels, they're tasty.

utterance: OK got my new OK, so my wife wanted PIN our new PIN to be eight eight two one.

utterance: Eight eight two one all right. Just give me one second while I make sure that this PIN has gone through and we can get you on your way. All right looks like we've been able to update your PIN in the system. and everything else looks good otherwise. Looks like you don't have any outstanding payments. is there anything else I can help you with?

utterance: yeah I wanted to inquire about an S B A loan. I was hoping I can I can get one for my business.

utterance: yeah, absolutely. We we have several loans here. Our SBA is probably one our more popular loans because because the government give you some assistance and takes some risk in the loan. So is the is this loan I guess to go forward with this loan I'm gonna need some information about your business. so why don't you provide me with your this is gonna sound a little bit redundant but can you provide me with your first name and last name again that appears on your business pack certificate?

utterance: Mm.

utterance: OK. Sure.

utterance: Yeah it's Teddy Young.

utterance: Fantastic, and can I get the street address of your business?

utterance: Sure it's five thousand, Melrose Avenue Los Angelos California nine two one two one.

utterance: Fantastic and also I got a little bit ahead of myself, can I get your personal street address?

utterance: Sure one one two nine Orange Drive apartment two zero five Los Angleos California nine zero zero three six.

utterance: Fantastic, and what would be your social security number?

utterance: It's three four one zero two eight eight one three.

utterance: Fantastic and how bout your drivers licenses and state.

utterance: D six three five zero zero one two, California.

utterance: Fantastic and can you just verify that new PIN for me?

utterance: Yeah, new PIN eight eight two one.

utterance: Fantastic and what email is associated with the business.

utterance: It's just Teddy Young at Dope Shoes dot com.

utterance: Fantastic and I'm gonna assume that's your business name, Dope Shoes?

utterance: Dope shoes, correct.

utterance: That is a great business name. Are you the sole owner?

utterance: I am.

utterance: Great. And what was the business establishment date?

utterance: It was May fifth two thousand thirteen.

utterance: Fantastic, so what would your gross annual sales be?

utterance: About a hundred and eighty thousand.

utterance: Oh that's fantastic.

utterance: Thank you.

utterance: What is your tax ID number?

utterance: It's five five six one five two.

utterance: OK and for the mailing address would you prefer to have your business street address or your personal street address?

utterance: Business, please.

utterance: All right, we'll go ahead and lock that in for you. Ok so you are looking for a small business administration loan, is that correct?

utterance: Correct.

utterance: OK so what would be the purpose of this loan? What would you use it for?

utterance: yeah, just looking to expand my business, hire more employees. Mostly for labor cost.

utterance: OK and what would be the total amount of the loan?

utterance: I need about hundred thousand. Nice round number.

utterance: OK, I think we can do that, and what would be the down payment percentage?

utterance: I was thinking twenty.

utterance: Twenty percent?

utterance: Yeah I can do twenty out of pocket for sure.

utterance: Yeah, that would be great. So that would be twenty thousand dollars. fantastic, if all this gets approved and it should because it's a it's an easy loan to get approved, then you'll be good to go in about a weeks time. Does that sound good?

utterance: It does.

utterance: All right, so you'll be getting an email with a follow up about what kind of information you need to supply to us just supplementary material. And we'll get that going for you. Is there anything else I can help you with today?

utterance: Nope all good.

utterance: All right thank you so much and we will talk to you later.

utterance: Thank you, bye.


utterance: Hello, and thank you for calling Intellibank. This is Robbie. How may I be of service to you today?

utterance: Hey Robbie. just kind of going through everything looking through my information on my account and just I dunno something it seems to be missing. I made some charges, you know, as one does, and I'm not sure if they've gone through. And if they've gone through it's it's gonna be kind of big big issue with the house. Big issue with the house. We're doing some renovations and I'm just worried that that we're just not gonna have enough there to finish up. We're looking at this couch, which is beautiful couch, maybe a bit out of our range budget wise it's starting to stack up. I I I I dunno what else to say. trying to trying to make her happy, trying to do the right thing.

utterance: OK.

utterance: No, I.

utterance: I totally understand let's see here. Let's start by pulling up your account, and we'll see what we can do about this. what is your first and last name and your date of birth?

utterance: Chris Michaels, and that's going to be April twenty-one nineteen ninety-two.

utterance: All right Mr. Michaels, and what is your four digit security PIN?

utterance: Four nine two one.

utterance: Great. And I see here that you have our Intellibank business silver card. Is that correct?

utterance: Yes. Yes. Silver.

utterance: OK. Well, the good news right away is that all the transactions you've made have gone through, if they hadn't gone through they would've been declined right away when you swiped the card.

utterance: OK.

utterance: So, those are all good. but let me check your available credit card balance so we can see how much you have in there to spend.

utterance: OK. Excellent.

utterance: We're looking at mattresses. Have you have have you seen the stuff with these new mattresses they have? Like the technology is is is is out of this world.

utterance: No. I I need a new mattress. I I would definitely benefit from that to be completely honest.

utterance: Mm you got with the comfort level like the cushioning on there it's like you're sleeping on a cloud on top of a cloud on top of marshmallows and then some you can adjust them by like section so if your lower back needs some help upper back shoulders it's it's it's a boon to your sleep habits and I I I guess to your health that's what the science says but look into it sir.

utterance: Yeah. I need help with with all of those things. My back, neck, shoulders, they could all use some more support, so I yeah, I would love to get a mattress, and I would love for you to be able to get that mattress as well. So, let's see how you're doing here, balance wise. could I just get the last four of your social?

utterance: Yep. It's eight four one zero.

utterance: And one security question. What was your first pet's name?

utterance: Chet.

utterance: All right. Mm that is not coming up. Are you sure your first pet's name was Chad?

utterance: Chet.

utterance: Chet.

utterance: Chet.

utterance: Sorry about that. I am very sorry about that. Let me put that back in. Chet.

utterance: Yeah. We were going to go with Chetters and then I don't know. We got to my little brother, and he said Chet. Chetters. Chet, and everyone's like, oh, we love Chet, and I'm like but that's what stuck.

utterance: All right. Well, I don't know how much these new mattresses are going for these days, but you have one thousand eight hundred twenty-six dollars and fourteen cents available to you in your credit card.

utterance: OK. OK. That should that should cover it I think. You know. They have a they have a range, thankfully, so maybe I'm not getting their their their top of the line and Mama's not gonna get her California king, but we'll see what we can do.

utterance: would you like me to check the balance of your business checking while I have you?

utterance: yeah. That'd be great.

utterance: All right. Unfortunately, it looks like that is a zero balance.

utterance: Mhm. Mm. We did have to dip into it, but yeah, we'll have to talk to the to the partners about that. I don't know. I don't know what they've what they've done.

utterance: But, hey, at least you're gonna be able to get that mattress. is there anything else that I can help you with today?

utterance: no. You've been more than helpful, and definitely enlightened me to a few things I'll have to take care of.

utterance: Great. Well, thank you for calling Intellibank. You have a wonderful rest of your day. Bye now.


utterance: Hi, thank you for calling Intellibank. We are here to serve you. Before we get started, can I get your first name and your last name?

utterance: Hi, first name Josh, last name, Alec.

utterance: That's great, and thank you for calling today. What can I help you with?

utterance: Hi, I'm just there's a, a I, so I have some customers check in to the business and I just, it hasn't even gone through, or like there's been an issue with like the voicemail or something, or maybe they have the wrong address or the phone number. I don't know. It's just, I've been having some administrative troubles. I I guess, I dunno, yeah, I yeah, I just haven't been getting the calls. some of the calls hadn't gone through, they've been, one time they, a customer like called my my my mobile, my cell phone number and I guess I'm just seeing, calling you guys, get some answers. I dunno if you can check my file or.

utterance: not sure.

utterance: Absolutely, we'd love to take care of this situation for you. It seems like you have a problem with your phone provider. However, if the phone calls that are coming through are are related to the bank at all, we could update some of your information so some of the phone calls are redirected or is that does that sound similar or along the lines of what you would like to have done today?

utterance: Yeah, yeah, I think that sounds, that sounds about right. You guys can do that for me over the phone?

utterance: Yeah, yeah, we just need some more information to get into your system, and we can go ahead and get that started for you, so I am going to need your date of birth and your pin number.

utterance: OK, pin number is seven seven two eight, and then are you ready?

utterance: OK.

utterance: And then my birthday is May twenty-fourth, nineteen eighty-two.

utterance: OK, so that's pin seven seven two eight. Great, thank you, and that's date of birth May twenty-fourth, nineteen eighty-two. Fantastic. Let me just put this into the system and I'll see if I can pull up your profile as we speak.

utterance: Here we go, just putting it in. Thank you for your patience.

utterance: Mhm.

utterance: All right, so now that I'm in your system, it looks like you have a a, a healthy account with us. Congratulations on on on the years of business that you've done with us.

utterance: Mm.

utterance: great, so what is your old, what is the, what is your old phone number?

utterance: I'm sorry. Can I?

utterance: Can I put you on hold real quick, sorry.

utterance: Yes, of course.

utterance: Gimme.

utterance: Sorry, give me one second .

utterance: Absolutely.

utterance: OK, OK, sorry. Are you still there? Hello.

utterance: Yes, I am here so we can absolutely update your phone for you. What is your old phone number that you would like to take off the account?

utterance: OK.

utterance: OK, so the old number is three two three, seven six zero, two seven five two.

utterance: Fantastic, and you'd like to update this phone number, is that correct?

utterance: Yes

utterance: Yes please, so the new number is three two three eight three five, two one seven one.

utterance: All right, great, and just to confirm, so that we are all squared away, that is three two three, eight three five, two one seven one. Is this the correct phone number?

utterance: Correct.

utterance: Fantastic, I'll go ahead and get that in the system for you so you won't be getting anymore of these phone calls.

utterance: And hopefully we'll get you squared away. Is there anything else that we, that you would like to update in your account? Are there any products that you would like to anymore information about?

utterance: Yeah, actually, what was it? My friend, my friend Chuck was telling me that you guys have some type of like, like a really good, like new credit card or something, like the black card.

utterance: Mm.

utterance: I think it's like the, yeah, I said it was nice and shinier, I think it's just black card.

utterance: All right. Well we have plenty of of credit cards that we offer. Unfortunately, we do not have a black card but we have a whole tier of cards. We have the cashback card, or the traveler's card, or the platinum card. I can go ahead and email you some information about these credit cards if you would like to upgrade the current one that you have now.

utterance: Yeah I think that'd be great. Yes, please send send that over.

utterance: Fantastic. I'll send it to the email on file, and if there isn't anything else, there will be a thirty second survey after this call if you'd like to hold on and take it, we would greatly appreciate your feedback.

utterance: Sure, no problem.

utterance: All right, thank you very much.

utterance: Thank you.


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

utterance: Hi Daisy, I'm looking at my financial records and I'm noticing that everything's out of wack. I don't know what's going on.

utterance: Okay, I'm sorry to hear that but I'd happy to to help you today. What exactly are you calling about?

utterance: Well I just don't know how much I owe.

utterance: Okay, are you looking for like loan balance or maybe a credit card? Balance due, like.

utterance: Yeah. I lost the letter that says how much I owe. So I wanna know how much I owe for this month on my credit card.

utterance: Oh, OK. Your current billing period balance due?

utterance: Yeah.

utterance: O, okay I'll be happy to help you with that. Let's just pull up your account. What is your name and address please?

utterance: George Emory. One fifty-three Pine Cone Circle, Branson Missouri, five five three two four.

utterance: Thank you mister Emory, what is your date of birth?

utterance: My date of birth, it's September twenty-first, nineteen ninety-nine and that's what it says on my drivers license, but when I was born the nurse at the hospital messed up my birth certificate and wrote the twenty-second. I'm currently having it fixed but I, I hope that's not an issue for you guys.

utterance: So you're saying that there's different dates on your birth certificate and your driver's license?

utterance: Yeah.

utterance: Okay and when you signed up for this account you used your drivers license?

utterance: Yes.

utterance: Is your driver's license still valid?

utterance: Yup.

utterance: And you say that September twenty-first nineteen ninety-nine is the is the date that's on that valid drivers license?

utterance: Yes.

utterance: That, that's the correct date?

utterance: Yep.

utterance: Okay, all right. I was a little confused but I think I've got it and that shouldn't be a problem as long as it's correct and it's still a valid drivers license.

utterance: Okay, good.

utterance: All right. So again, September twenty-first nineteen ninety-nine?

utterance: Yep.

utterance: Thank you and then what is your telephone number?

utterance: It's six one two two two nine three nine zero nine and just in case you need it, my email is G Emory Trades at Gmail dot come.

utterance: Great. Thank you, and so you wanted to check your credit card balance due. I would be happy to help you with that. Why don't you give me your credit card number please?

utterance: Sure, it's four four one two two two one two three nine eight seven zero one zero four.

utterance: I'm sorry, what was the last four again?

utterance: Zero one zero four.

utterance: Thank you. This is your IntelliBusiness silver card?

utterance: Yeah.

utterance: Thank you and you just want to know what's due for this current billing period?

utterance: Yeah.

utterance: O, your balance due for this current billing period is seventeen dollars and ninety-two cents.

utterance: Okay, great.

utterance: All right, would you like me to send that to you via email?

utterance: Yes, please.

utterance: All right, G Emory trades at Gmail dot com?

utterance: That's right.

utterance: Okay and are you aware that you could get this information easily twenty-four hours a day at our website?

utterance: I can?

utterance: Yeah, our website has all kinds bank activity available there twenty-four seven right at your finger tips.

utterance: O, that's really cool you know I would much rather go through a website you know I kinda hate human interaction. I would much rather do everything on the website.

utterance: All right well have you ever logged in?

utterance: No I haven't ever logged in.

utterance: OK well as a first time user As a first time user of Intellibanks online banking you would have to click first time users enroll here link. Read and accept the online banking disclosures and enter your account number, your social, your date of birth, your pin number and create a password. Would you like me to send this to you via email?

utterance: Yes, please.

utterance: No problem, one moment while I prepare that email.

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

utterance: Going good, how bout you?

utterance: It's going all right, not to bad, nice weather, to bad I'm stuck in the office all day.

utterance: O yeah, I hear you. We're having good weather here too. I did go ahead and send that email George, so is there anything else I can help you with?

utterance: No that should do it.

utterance: Okay, well thank you for choosing Intellibank and have a wonderful day.

utterance: You too, bye.

utterance: Bye now.


utterance: Hello. Thank you for calling Intellibank. This is Roger. How can I help you today?

utterance: Hi Roger. How are you?

utterance: Not too bad. How about yourself?

utterance: Good. Look for some reason I don't know what the heck is going on but I I've not been getting my credit card balance bill

utterance: Oh, oh I'm sorry to hear that. That that should be set up for you. Absolutely that's a service we offer here.

utterance: Yeah I I don't know what.

utterance: The heck happened but that just stopped coming and I feel like I might have missed a payment or something. I don't know. Cuz you know, if I if I don't get the reminder you know, there's so much going on in the world.

utterance: certainly understand sir. and I I think I can help you out if we just can get into your account here and l- and review what's going on with it, OK?

utterance: Mhm.

utterance: Sure thing.

utterance: So, I do need your first, last name and date of birth.

utterance: my name is Richard Rush and my date of birth is March third nineteen seventy-two.

utterance: Three three seven two.

utterance: That's correct.

utterance: And your four digit PIN number?

utterance: Ugh. Three five three five.

utterance: OK. Three five three five. And I do need your credit card number to look at that balance.

utterance: Yeah, of course. you ready?

utterance: Uh-huh.

utterance: Two seven eight one five eight three three two one five.

utterance: OK. So looks like you have the Intellibank Business Platinum card with us. All right. I have the balance due here as three hundred and thirty-one dollars and sixteen cents.

utterance: Yeah that's correct.

utterance: OK now, did I miss a payment?

utterance: there was one yes, last month.

utterance: See, I knew it. I don't get those emails I just get you know what? Is there any way you can waive that or something? Cuz I I feel like that wasn't my fault.

utterance: Well, I could do a one time waive for you.

utterance: Yeah, OK, fine. I appreciate that.

utterance: Sure.

utterance: All right, well, that's good to know. Hey, hold on a second. I I got to put you on hold one second. Having little bit of an emergency over here. All right, sorry. The cat almost got out of the house. All right. Well, I appreciate that. You know, I just got frustrated that I hate missing the thing. So, what else do we need to do here?

utterance: OK sure.

utterance: Oh.

utterance: Oh, well, I have I have waived that fee for you.

utterance: That's what I'm saying, I appreciate it but everything good? I'm going to be started getting these

utterance: It's three hundred and thirty-one dollars sixteen cents this time the balance due.

utterance: Uh-huh. OK, that's great.

utterance: So your minimum payment for this month is fifty-two dollars.

utterance: OK, I can do that online, correct?

utterance: That's right.

utterance: OK. well, I think that that should be, I just want to make sure I'm going to get those updates to my email.

utterance: Oh yes, we we actually do have the statements sending out to the email every month. I don't know why they. You wouldn't receive them. Maybe they're in your spam folder.

utterance: Yeah yeah.

utterance: Maybe. Well, I'll I'll keep an eye out.

utterance: OK. Well, anything else I can help you with today?

utterance: No, I guess so. no, that's everything. Thanks so much.

utterance: All right. Well, thanks so much for choosing Intellibank. And I do want to remind you that also like if you don't receive those emails you can log in online and there'll be PDF statements available on your online account of your credit card statement. sometimes people miss that. It's like upper right hand corner, it says choose documents, you click on that. It's a downloadable file.

utterance: Mhm.

utterance: yeah, that's great, thanks.

utterance: OK, thank you so much. Have a great day.

utterance: Uh-huh.


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

utterance: Hello, Cassandra. can I get my credit card payment or you know what? Nevermind, I'll get that later. I'm heading out of town for for the week and I will and I will be making several flights to different cities to abroad. I needed to get the change rate for the for location so I don't run out of funds, can you help me with that?

utterance: Yes, sir. I can certainly help you get to the exchange rate for some currencies. I'll need to get a little bit of information from you so I can go ahead and look those up in our system.

utterance: OK.

utterance: OK. So, can I have your first name, please?

utterance: First name is William.

utterance: All right, sir. And your last name?

utterance: Greyson.

utterance: And could you now give me your date of birth, sir?

utterance: My date of birth is five twelve, nineteen seventy-four. And my social security number is four three two eight six three nine six nine, just in case you need that information from me there.

utterance: All right. Thank you so much for that additional information. Now could also give me the PIN that is associated with your account.

utterance: Yes, that PIN number is, five five two three.

utterance: OK. Five five twenty-three. Yes, that is authenticated through your account, sir. And now sir, what is the source currency you would like to convert from?

utterance: U S Dollar.

utterance: All right, sir. And what is the exchange rate you're first wanting to look up?

utterance: Brazilian Rio.

utterance: OK, you want the exchange rate for the US Dollar to the Brazilian Rio?

utterance: Yes.

utterance: OK, sir. Could you give me just one moment while I pull that information in our system, please?

utterance: Absolutely, I'm looking forward to I'm looking forward to the trip but I am definitely going to be exhausted when I get back. do you ever go on business trips?

utterance: Well, yes sir. I certainly do. They last sent me to Italy Actually, last year for a business trip, we actually spent a good week in Italy, learning about their different trades in the business industry so that we can actually practice some of those trades over here.

utterance: Oh! That sound fun.

utterance: Yes, it was quite interesting. I actually got to tour the city and look around a little bit also. So I did get to learn a little bit about the exchange rates over there.

utterance: Oh! Sound cool.

utterance: Yes, the American Dollar does go up pretty good ways over there.

utterance: Oh! Yes, I bet it does.

utterance: Yes, sir and currently, the exchange rate for the Brazilian rio can go a little way. It's actually at seventy-three cents to a US Dollar.

utterance: Oh! OK. That's that's pretty good.

utterance: Yes, that is very good, sir. Are there any more exchange rates you will like to look up today?

utterance: How about the Canadian Dollar.

utterance: All right, sir. You gonna head through Canada as well?

utterance: Yeah yeah yeah. Yes.

utterance: OK. The Canadian Dollar looks like it's currently trading at eighty cents per US Dollar.

utterance: Eighty cents?

utterance: Yes, sir.

utterance: OK, that's pretty good.

utterance: That's fairly good.

utterance: OK. And how about Australian Dollars, how's that looking?

utterance: OK, sir. The Australian Dollar is actually doing all right through the US dollar. It's currently at seventy-five cents. Per US dollar. Yes.

utterance: Seventy-five cents.

utterance: OK. OK. And that one there is Australia, right?

utterance: Yes, sir.

utterance: OK. I believe I. I have one more if you don't mind.

utterance: Absolutely, sir. However many you wanna look up, I'm here for you.

utterance: How about the Japanese Yen?

utterance: OK, sir. Currently, the Japanese Yen is actually value weighted pretty far down the US Dollar. It's currently at exchange of zero point one cents. So it's one cent per US Dollar.

utterance: It's one cent per US Dollar?

utterance: Yes, sir.

utterance: OK. So you said the so you said the Canadian was looking pretty good, right?

utterance: Yes, sir, about seventy-five cents.

utterance: Seventy-five cents. OK. I'm doing different I'm trying to I'm trying to convert different types of money to my US Dollar. So so I have these on there. I'm trying to find out the best one to go with my .

utterance: All right, sir. That's good.

utterance: OK, and you said that Brazilian Rio, one more Brazilian Rio?

utterance: Yes, sir. That is currently trading at seventy-three cents.

utterance: OK. All right, thank you for that.

utterance: OK, sir. Is there anything else I can help you with today?

utterance: no, that's all I needed for today, thank you for your help.

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

utterance: All right, thank you.

utterance: And have a good trip as well, sir.

utterance: Thank you for that, bye bye.

utterance: Bye bye.


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

utterance: Hi Daisy! I really need to move some funds around.

utterance: OK, sir. Are you calling in to do a wire transfer?

utterance: Yeah, but to one of my vendors.

utterance: OK.

utterance: I will be happy to assist you with this. let me clarify. You're going to pay a vendor via wire transfer?

utterance: Yeah. If he doesn't get the money today, I'm responsible for a twenty-five percent late surcharge.

utterance: I think it's bogus. I mean, who even reads contracts nowadays?

utterance: Mhm, I see.

utterance: Let's go ahead and pull up your account.

utterance: yeah, could you also tell me my balance?

utterance: Certainly, sir. What is your full name and address?

utterance: George Emery I'm not sure if you have it under my business address of one twenty-one Parkside Acres or my home address of eighty-four Bluebird Court. they're both in Branson Missouri five five three two four.

utterance: Thank you. Mr. Emery, please verify your date of birth.

utterance: It's September twenty-first, nineteen ninety-nine.

utterance: Your Intellibank pin number please.

utterance: I have it written down here somewhere. Can you just give me one second while I go find that?

utterance: Sure.

utterance: Thanks

utterance: OK I've got it it is one six six two.

utterance: Thank you what is the account number for the account you would like to draw funds from?

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

utterance: Thank you. This is your Intellibank Business total checking account and your balance is eight thousand one hundred twenty-nine dollars and ninety-one cents.

utterance: OK, hold on a minute. I'd like to write that down.

utterance: No problem.

utterance: OK. Could you repeat that balance?

utterance: Yes, sir. The balance is eight thousand one hundred twenty-nine dollars and ninety-one cents.

utterance: OK, thank you.

utterance: You're welcome. And how much would you like to transfer?

utterance: Well my bill is for one thousand nine hundred twenty-one dollars and thirty-three cents.

utterance: OK, so you're looking to pay the bill in full and transfer one thousand nine hundred twenty-one dollars and thirty-three cents?

utterance: Yes please.

utterance: All right. Now, the account you'll be transferring these funds to, is it a checking account, savings account, or investment account?

utterance: It's a checking account.

utterance: OK, and is this a domestic or an international transfer?

utterance: Domestic.

utterance: What is the routing number please.

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

utterance: And the account number?

utterance: Seven four five six two eight nine nine one zero.

utterance: Thank you.

utterance: So, to confirm, George Emery is authorizing a domestic wire transfer in the amount of one thousand nine hundred twenty-one dollars and thirty-three cents from his Intellibank checking account number zero zero one six three nine two two one seven we are sending these funds to another financial institution routing number nine eight two five four three six four four and account number seven four five six two eight nine nine one zero. Is this correct?

utterance: Yeah that's right.

utterance: Great in just a moment I will have a confirmation number for you.

utterance: OK.

utterance: How's your day going, Daisy?

utterance: so far so good. We've been keeping pretty busy today and that always makes the day go by quickly. How about you? How's your day going, George?

utterance: it's been going it's been going pretty good you know work's a little light but it's always good to have good company, you know? My employees we all went to the beach the other day had a lot of fun while work was slow.

utterance: Sounds like fun. Yeah I have your confirmation number here. It's nine nine one seven six two nine. And your current balance is six thousand two hundred and eight dollars and fifty-eight cents.

utterance: OK. Thanks, Daisy. and I'll be presenting at a conference in Las Vegas next month, so could you tell me if Intel Bank has any locations out there, and can you also tell me the hours?

utterance: certainly. I do want to confirm. It sounded like you said Intel Bank, and we are Intellibank.

utterance: Oh, yeah. I'm I'm sorry. I tend to think faster than my mouth can keep up.

utterance: No problem, sir. Let me just do a quick search. Yes, we have three branches in Las Vegas. They are two twenty-eight Laverne Court, four ninety-six McIntosh Street, and one sixty-seven Pittsburg Way. They're all open Monday through Friday one to five and Saturday ten to two. Would you like me to email this information to you?

utterance: Yes, please.

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

utterance: no. That should about do it.

utterance: All right, George. Have a great day!

utterance: You too. Bye.

utterance: Bye now.


utterance: Hi. This is Nicole Smith, at Intellibank. How can I help you today?

utterance: Hi Nicole Smith. You know it's so funny my neighbor is also a Nicole Smith. I mean I know that's kind of a common name but it's just that's so funny I love when stuff like that happens.

utterance: Oh. Wow. What a coincidence.

utterance: Yeah. How are you today?

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

utterance: I'm doing pretty well. You know it's a beautiful day here. We've we actually had a lot of rain this past week but it's cleared up today. So it's not hazy and the weather is beautiful. It's just perfect temperature really you know. It's and it's nice and I don't know it's just it's beautiful weather. How's the weather where you are?

utterance: it's actually a little rainy here so I'm glad that your having a bit of better day than we are over here.

utterance: Oh. Yeah. I'm sorry to hear that. I mean rain can be some beautiful weather too. I I love when it rains but just not when it rains all week long. You know because then it's like it's just muddy everywhere and I don't know I I I I like it once in a while. Not all the time.

utterance: I definitely can understand that.

utterance: So you know why I'm calling today is I want to schedule a credit card payment and I'd like to make the recurring as well if that is possible.

utterance: OK. Yeah. We can go ahead and do that. I'd be more than happy to do that. Can I start by getting your full name and your date of birth, please?

utterance: OK.

utterance: OK.

utterance: Yeah. So first name is Maddy. M A D D Y and last name is Wilson W I L S O N. And then date of birth is April twenty-seventh nineteen eighty-seven.

utterance: OK. April twenty-seventh, nineteen eighty-seven. OK Maddy I am gonna go ahead and pull up your account can I start by getting your account number please?

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

utterance: OK. And that was four five eight nine seven two seven two zero three?

utterance: That is correct.

utterance: OK. Well before we can proceed any further I do need to ask you a few security questions for the safety of your account.

utterance: OK. No problem.

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

utterance: Sure. it is four three five two.

utterance: Four three five two.

utterance: Mhm.

utterance: OK. And you answered a security question when you created your account. I'm gonna go ahead and ask you that now.

utterance: OK.

utterance: What was your mother's maiden name?

utterance: Charleston.

utterance: It's C H A R L E S T O N.

utterance: OK. Great Maddy. Thank you for verifying that information for me. I am able to pull up your account so give me just one second please.

utterance: OK. Great.

utterance: OK. So I do have your account in front of me and you said that you wanted to go ahead and make a credit card payment correct?

utterance: Yes. Please.

utterance: OK. Can I start by getting the credit card number please?

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

utterance: OK. That was four eight five two six nine seven three four eight four nine five two eight three.

utterance: Yes That's correct.

utterance: OK. Great and can I also go ahead and get the payment amount?

utterance: Yes. Let's do seven fifty.

utterance: Seven fifty. OK Great. And can I get the payment bank account number?

utterance: Yeah it is, four nine two six five seven three one oh eight. And then I'll give you the routing too, it's one one three nine six five two eight oh seven.

utterance: OK. And the first number was four nine two six five seven three one zero eight.

utterance: Mhm.

utterance: And the routing was, one one three nine six five two eight zero seven.

utterance: That is correct.

utterance: And what date did you want that to be pulled?

utterance: I would love to have it this Monday.

utterance: OK. Monday the first. OK. I have you all set. So you should be receiving an email receipt shortly.

utterance: Mhm.

utterance: And that's for resched. reoccurring as well?

utterance: OK. Let me go ahead and yep. OK now you are enrolled in automatic billing. So you should be getting a separate email on that.

utterance: OK. Perfect.

utterance: Is Is there anything else I can help you out with today. While I'm still on the line?

utterance: Yeah. Actually I didn't think about it earlier. I would love to get my loan statement please.

utterance: OK. Great can I get the loan account number?

utterance: Mhm. let me just pull it up here. One second. OK. this is kind of a long one are you ready?

utterance: Yes.

utterance: All right. Three three eight four six seven eight three eight nine five two seven six eight four eight three three two four three five two.

utterance: OK. And that was three three eight four six seven eight three eight nine five two seven six eight four eight three three two four three five two.

utterance: Mhm.

utterance: That is correct.

utterance: OK. Great. And how did you want the statement to be delivered by mail or by email?

utterance: Let's go ahead and do virtual. Let's do email.

utterance: OK. And what's the email. Best email to send that to?

utterance: So it is Maddy Wilson M A D D Y W I L S O N four eight three two at My Net dot net.

utterance: OK. Great. I did go ahead and send that over Is there anything else I can help you out with today?

utterance: No. I think that was everything.

utterance: OK. You have a lovely day.

utterance: Thanks You too.


utterance: Hello there. I'm the owner of the best garage in Eureka Springs and we've been getting so much business that I need to open up a savings account. You know what that tells you? When you need anything done with your car you just bring it right in here to Parkside Garage where we have the best mechanics in town and we will treat you right. Now you tell me about your savings accounts, what do you have for me?

utterance: Thank you for your interest in Intellibank, sir. I'm happy to hear that you are doing so well. I can certainly assist you with setting up an Intellibank smart savings account. First I need to tell you that you'll need a minimum deposit of two hundred and fifty dollars to open the account and you're allowed six free deposits a month. The interest rate will be tied to the prime rate and we will always be very competitive. Do you have any questions about our Intellibank smart savings before we proceed?

utterance: No sounds like y'all have everything handled. Let's haul.

utterance: Very good, sir. Sir, I need your first name?

utterance: William.

utterance: And your last name?

utterance: Thomson. If you need my full name I am William Josiah Thomson. My momma, she loves her Bible and insisted on a Bible name for me, but my daddy said I had to be a William cuz his family always has a boy named William, so I am William Josiah Thomson.

utterance: That's a fine name, sir. May I have your street address?

utterance: Ninety-three Denver Drive.

utterance: And the city?

utterance: Eureka Springs.

utterance: State?

utterance: Arkansas.

utterance: And your ZIP code?

utterance: Seven two six three two.

utterance: Thank you, sir. May I have your social security number?

utterance: Three five nine four five six eight nine two.

utterance: Now sir, is that three five nine four five six eight nine two?

utterance: That's right.

utterance: Thank you, sir. And your drivers license number?

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

utterance: OK sir to confirm, that's seven five eight two four six nine eight seven?

utterance: That's right.

utterance: And sir, what state was that issued in?

utterance: Arkansas.

utterance: Thank you, sir. Your PIN number?

utterance: Fifty-eight forty-two.

utterance: Thank you. And your email address sir?

utterance: Car lover at Hotmail dot com. I'll have a new email address after I get our business website set up. Actually my nephew is working on it. He's sixteen and smart as a whip about these things. I can do the basics but he can take of them computers apart and put it right back together in his sleep.

utterance: That's very impressive sir. I actually have a niece about the same age and she knows more about computers than I'll probably know my whole life. It's a whole new world sir, just a whole new world. OK sir, may I have the name of your business again?

utterance: Parkside Garage. Don't you forget that, we're the best garage in the whole area. You make sure you come down and see us.

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

utterance: Yes I am but I'm gonna be bringing my nephew on board when he turns eighteen.

utterance: Very good sir. And sir, what date was your business established?

utterance: June eighteenth twenty twenty-one.

utterance: Thank you sir. And the annual gross sales of your business?

utterance: Well we're looking at about a hundred and twenty-five thousand for a year I think.

utterance: Thank you, sir. And your business tax ID?

utterance: Five six seven one five three eight seven five.

utterance: And that to confirm, sir, was five six seven one five three eight seven five?

utterance: That's right.

utterance: And sir, the street address for your business?

utterance: Why we're right here at twenty-three Parkside Court.

utterance: Thank you sir. And that's in Winslow, Arkansas?

utterance: Yes it is.

utterance: And your ZIP code sir?

utterance: Seven two six three three.

utterance: Thank you very much sir. And where would you like your mail sent sir?

utterance: Twenty-three Parkside Court.

utterance: And again that's in Winslow, Arkansas?

utterance: That's right.

utterance: And the ZIP code sir?

utterance: Seven two six three three.

utterance: Thank you sir. Sir this is to confirm that you would like to set up an Intellibank smart savings account with us?

utterance: I sure would. It really sounds like y'all got really good deal going there.

utterance: Thank you very much sir. And what would you like the initial balance of your account to be?

utterance: I think about five thousand dollars.

utterance: Very good sir. Sir I need the bank account number for where the funds will come from?

utterance: four three five seven four two six eight.

utterance: OK let me confirm this. Four three five seven four two six eight?

utterance: That's right.

utterance: And the routing number for that bank account sir?

utterance: Eight two three eight four two six eight two.

utterance: OK eight two three eight four two six eight two?

utterance: No, no, no, no. Eight two three eight four two nine eight two.

utterance: Oh I I'm sorry sir. That was eight two three eight four two nine eight two. OK I'm glad we have that straight. Thank you sir. OK and thank you very much sir. I'll draw up the paperwork and mail it out to you for your signature unless you'd like to stop by and pick it up?

utterance: No you just go on and mail it out and I'll get it back to you in a jiffy.

utterance: Very good sir. Do you need assistance in obtaining online access to your new account?

utterance: No I have my nephew here, Billy Bob Junior. We like our Billys in this family and he's the best of the bunch. Right smart young one he is. Handles all that stuff for me.

utterance: That's wonderful sir. Sounds like a young man you can be very proud of. Would you like information on any of our other business accounts today?

utterance: No I have a business checking account already at one of y'alls competitors, but you do right by me and I just might move it over to you as I'm not so sure about them. You sound like you know what you're about so let's see how things go with this new account first and don't you forget to bring your car over here to to Parkside Garage at twenty-three Parkside Court, right here in Winslow Arkansas.

utterance: Very good sir. You have a good day and please give us a call here at Intellibank anytime we can assist you with anything.


utterance: Thank you for calling Intellibank, this is Steven, it would be my pleasure to assist you today.

utterance: Yes, I was wondering if you offer treasury bonds?

utterance: Yes, we most certainly do offer treasury bonds here.

utterance: OK. What types do you offer?

utterance: Do you mean what term lengths do we offer?

utterance: Yes.

utterance: Yes sir, we offer one month bonds, two month bonds three month bonds, six month bonds, one year bonds. two year bonds three year bonds five year bonds, seven year bonds ten year bonds, twenty year bonds and thirty year bonds.

utterance: OK can you give me the yield rate of a six month bond? no on second thought, can you give me the yield of a one year bond?

utterance: I certainly can sir, if give me just one moment so I can gather a little bit of information from you. Can I have your name please?

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

utterance: Thank you. And your date of birth?

utterance: May twelfth, nineteen sixty.

utterance: And your security PIN code?

utterance: One zero six two.

utterance: All right thank you Mr. Thomas, I have verified that information. And you wanted the yield of a one year bond, is that correct?

utterance: That's correct.

utterance: All right, so a one year bond purchased at one thousand dollars would yield at a rate of one point seven five percent.

utterance: OK.

utterance: All right and is there anything else that I can assist you with Mr. Thomas?

utterance: Is there any way easier for me to get these yield rates?

utterance: Yes sir. Do you have online banking set up with us?

utterance: I do not.

utterance: All right. Well if you would like, I can help you set that up today. I do encourage our customers to take advantage of it. It's a free service that we offer and it would allow you to manage most every aspect of your accounts that you might have with Intellibank and it would definitely let you purchase treasury bonds through there. And it will give you a up to date table with information and yield rates as well as some handy calculators that will let you see what the yield over the life of those bonds will be.

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

utterance: It certainly is Mr. Thomas. If you'll give me just one moment, I'll bring up that screen here.

utterance: Has your day been going pretty good so far?

utterance: Yes sir, my day has been going pretty good. How's your day been?

utterance: Oh not too bad.

utterance: Oh that's fantastic.

utterance: How's the weather been where you're at?

utterance: Oh pretty good, it's starting to cool off into the fall weather but I I always enjoy the fall, so I'm ready for it.

utterance: Yeah, I am too.

utterance: OK. I've got this page pulled up here and can I have you confirm your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: Thank you. And is that the email address that you would like associated with your online banking account?

utterance: Yes it is.

utterance: All right, great. And then I've got a user name and a temporary password for you if you would like to write those down.

utterance: OK hang on a second, let me get something to write with.

utterance: No problem, just let me know when you're ready.

utterance: OK I'm ready.

utterance: All right sir, so your username is going be D Thomas, that's D T H O M A S And then the numbers zero five zero.

utterance: OK.

utterance: And your user name I'm sorry your temporary password will be capital V capital S three seven, capital L two.

utterance: OK I've got that written down.

utterance: All right great. And so finish the process, you'll just need to go to Intellibank dot com In the top right hand corner there is a button that says login. When you click on that button it will ask you to create your own unique password for your account and it will then guide you through the rest of the set up process.

utterance: All that sounds fantastic.

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

utterance: I don't think so.

utterance: All right, well thank you for choosing Intellibank and you have a fantastic evening.

utterance: All right. Thank you.

utterance: Thank you, goodbye.

utterance: Bye bye.


utterance: Hello thank you for calling the Intellibank Bank Calling Center. My name is Eden. How can I help you this evening?

utterance: Hey Eden, I wanted to get a quick liquidity ratio.

utterance: Absolutely I can look that up for you. That's a relatively easy process. First of all I'm looking at your account because I have the phone number that you called from. What's the name associated with this account?

utterance: Oh yeah, that's gonna be Tori Tori Land.

utterance: Tori Land yes OK. So I just wanna confirm that with you because I see you've been a valuable banking customer with us since two thousand and ten. So first wanna thank you for that.

utterance: Mhm.

utterance: Oh yeah. Thank you so much for your business.

utterance: You got it. There's also a number of different services that I can offer to you at this time. And I can go through those whether it's involving getting a credit card, a loan, or just a business checking or savings account but you're under no obligation whatsoever for that. I know you called for the quick liquidity ratio and I'd like to get you started on that process. So we have your name. I now need your date of birth.

utterance: Sure my date of birth is July seventh of eighty-eight.

utterance: July seventh nineteen eight. What's your PIN number?

utterance: PIN number is one two three four.

utterance: OK and the time period you were looking for this ratio?

utterance: let's go let's let's do that last two quarters.

utterance: It'll be the last two quarters. So what I'm gonna do is put these into the system right now, your assets versus your liabilities. It'll go through a calculation process. Now during this time it may seem like I have maybe left the building but I have not. This is just how the process the system has to go through. It does take a few minutes. for it to find that ratio. But that's because we are dedicated to providing you with the most accurate information we can in banking hence why we always aim to succeed and give our customer the service that is above and beyond the service they are seeking. So do you have a few moments just to wait for this ratio?

utterance: perfect. Thank you so much that would be great.

utterance: OK great. I have now submitted that just so you know it is in process. It is working and it is searching for that ratio based on the last two quarters which you requested Tori.

utterance: OK great. while that's processing I just want to double check to make sure my my credit card hasn't expired. Do you mind if I go check on that?

utterance: everything we have on file does not seem to expire and I think what I mm have expired what I'm seeing for you making sure that this is the exact same account we are talking about. under the name Tori Land I have our Intellibank Business Silver Card.

utterance: Oh OK.

utterance: Mhm.

utterance: Mhm.

utterance: and yes that is set to expire actually in May two thousand twenty-three so you have quite of bit of time on your hands.

utterance: Oh.

utterance: Good OK. Well that's a relief.

utterance: No problem. And also I see that you've been a silver customer for quite some time and that actually qualifies you to move up to the gold card for a discount APR and that's something a promotion I can send you by email after we get off the phone. I just want you to know that's available to you and only to those that have been silver customers for two plus years which you have.

utterance: No kidding. Yeah you know what? Let's go ahead and do that.

utterance: Mhm. And many of these services I'm offering you on the phone they're available in our online banking system. There's two ways that you can access our system. There's Intellibank dot com, which you can just pull up on any device whether it's a laptop, a tablet or your phone but in addition for quicker service on your phone I would recommend downloading the Intellibank app. It gives you access to your account twenty-four hours a day seven days a week. It has features like an online chat where you can pull up a chat window speak to our virtual agent who can guide you through a number of services we have. And if even if you need to make a phone call from there you can call us from the app and it should advance a quicker wait time. if you were on hold at all tonight this should be a quicker way of calling and getting access to us. So do you think that's something you'd be interested in when we get off the phone? Downloading the app.

utterance: Mhm.

utterance: You know what I think I will do exactly just that. I'll download the app and check it out and that way I don't have to call back. If I have any more questions I can just maybe do a chat support on the app.

utterance: Great and I know it's going to tell you this on the app but I do strongly recommend choosing a very secure password on the app because there is so much fraud going on these days and online hacks especially with banking because we all know everyone wants money, right?

utterance: Mhm.

utterance: Mhm.

utterance: Right. OK. That makes a lot of sense. I should probably do that.

utterance: OK.

utterance: Yes. Yes.

utterance: Looks this number's almost ready for you. It's pulling up the last two quarters of the quick liquidity ratio. And Tori that is going to be point four five.

utterance: Mhm.

utterance: OK.

utterance: Oh OK great. Thank you so much for letting me know this. I I think that's all I needed.

utterance: OK all right. Well if that's all you needed I'm going to let you go at this time and hopefully I have given you the service that you expected and if you thought it was above and beyond, which is what we aim for, there will be a brief survey after I hang up with you. You'll receive a call from a eight eight eight number and if you could give me well a rating that you think is just in the service I provided I would greatly appreciate that to you. And even let us know how we can improve because we are here for our customers and we've been here for you as we see you've been banking with us since two thousand ten.

utterance: Oh, absolutely. Thank you so much.

utterance: OK. Well, thank you for calling. Bye bye.


utterance: Hello, thank you for calling Intellibank My name is Billie Jean and I am happy to assist you tonight on this call. How may I assist you?

utterance: Hi I'm calling because I have been trying to log into my account with no luck whatsoever and I, I know that I'm using the correct password, the correct username and it's just not logging me in, so I had to call. I even, I even tried to do the automated system, and it looks like you guys are just like I think you're doing maintenance on the system perhaps? Maybe that's the same things that's happening to the

utterance: It. It could.

utterance: Be, because I know there is a system update happening up until midnight tonight. So that may be affecting the app as well. You're not you're not my first call tonight, but I'm I'm glad to assist you with that tonight. may I get your name, please?

utterance: Gosh.

utterance: Yes, my name is Spencer.

utterance: OK, Spencer, and what is it that I can assist you with? What, what information were you looking for tonight?

utterance: Oh, you mean, why, why was I trying to log in to my account?

utterance: Yes.

utterance: Oh, I need to check my available balance on my credit card account.

utterance: OK, on your credit card, all right. Spencer let me just ask you a few questions so I can pull up your account here. Spencer, what is your last name?

utterance: Fields.

utterance: Fields, OK. So just checking, Spencer is S P E N C E R F I E L D S?

utterance: Yes.

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

utterance: It's eight twenty-nine ninety, and my social is four seven three

utterance: Oh.

utterance: Oh thank you sir, I don't need your social, but thank you for providing that.

utterance: OK.

utterance: we don't ask social security cards for your safety and security. Ok, so I will, but I will need to get your credit card number so I can pull the account up.

utterance: Right, one second, Stephanie, can you go and get my credit card out One second please, my daughter's gonna go get it for me.

utterance: No problem. How's your day going today?

utterance: It's going pretty good, we just had some ice cream.

utterance: that sounds like a nice father-daughter thing to do.

utterance: Yeah, well, she had she made the AB honor roll this semester, so.

utterance: Oh, that's wonderful, congratulations!

utterance: Thank.

utterance: You, thank you. I had to treat the little bugger.

utterance: What grade is she in?

utterance: Third.

utterance: Oh.

utterance: Yeah.

utterance: Great age.

utterance: Yes, it is. They grow so fast. She was just so tiny a little baby when she was born, I cannot believe how big she. Oh thank you. Can't believe how big she is now, but OK, here we are, I got the credit card now.

utterance: OK.

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

utterance: OK, let me just confirm that is two eight one nine three three six zero two five eight one six five five nine.

utterance: That's correct.

utterance: OK one moment while I pull up your account information. All right, I see here that you have our Intellibank Business Silver Card. I see here that you've been a customer with us for a little over three years. Thank you very much for your loyal patronage.

utterance: Thank you.

utterance: You're welcome. Spencer, so what you'd like to do? You'd like to check the current balance?

utterance: That's.

utterance: On the

utterance: Card.

utterance: That's correct.

utterance: All right, one moment. All right, I see that your balance right now is six thousand six thousand two hundred ninety-six dollars and forty-eight cents.

utterance: OK, and can you tell me what my minimum monthly payment is, and when it's due?

utterance: Certainly, one moment. All right, the minimum monthly amount that is due will be one hundred seventy-five dollars, and it looks like you just made a payment, so the next payment will be for the following month due on November twenty-fifth.

utterance: OK.

utterance: OK. is there any other information on this account that I can help you with?

utterance: no, I think that's all covered. do you know if the, will, will I, should I be able to go on the app tomorrow? Or?

utterance: You you should be, I, I would say any time after midnight your time you should be able to access it. if you do have any problems tomorrow, you can give us a call but once the system, we do the system maintenance about once a month, so you should be fine tomorrow.

utterance: OK, sounds good, thank you very much.

utterance: Certainly. Is there anything else I can do for you tonight, Mister Fields?

utterance: That'll be it.

utterance: Well, thank you very much for being one of our valued customers, and you have a terrific night.

utterance: You as well.

utterance: Thank you.


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

utterance: Hi Maxwell, I'm calling to update my street address.

utterance: Sure. I can help you with that, no problem. let's go ahead and start by logging into your account. And to do that, I'm going to need your full first and last name as it appears on your account.

utterance: Okay, it's Ashton Valdini.

utterance: All right Mr. Valdini, and what is your date of birth?

utterance: May twenty-fourth nineteen ninety-six.

utterance: And your four digit PIN?

utterance: One zero eight eight.

utterance: and your six digit account number?

utterance: Five one two three eight four.

utterance: All right, I was able to pull up your account here. And can you please tell me your existing address as it is on your account?

utterance: It's three thousand Burlingame Avenue, Burlingame, California nine six one two six.

utterance: And what is your address? pardon me, sorry about that. What is the address you'd like me to change that to?

utterance: It's OK.

utterance: it's gonna be four five seven East Rolston Avenue San Mateo, California nine one seven three three.

utterance: Excellent. And in order to make changes to your account, I just have to ask you a couple of security questions.

utterance: Okay.

utterance: first, what is your first pet's name?

utterance: Donner.

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

utterance: Laraby.

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

utterance: Weston.

utterance: All right.

utterance: Okay. So we have gone ahead and changed your street address.

utterance: Great.

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

utterance: I wanted to also look into applying for an SBA seven A loan. I've been reading into those.

utterance: Okay, no problem. We do offer those and I can go ahead and start that application process just by confirming the info that we already have on file for you.

utterance: Okay.

utterance: So to start off, I'm gonna need your social security number.

utterance: Social is eight one eight zero nine four two nine seven.

utterance: And I'm gonna need your driver's license number or state issued ID.

utterance: it's A as in apple, one one eight five zero five four.

utterance: And I'm gonna need your tax ID.

utterance: Tax ID is seven seven two three eight five seven seven two.

utterance: And what is the email address we have on file for you?

utterance: Email is Ashton V at Yahoo dot com.

utterance: And what is your mailing address?

utterance: Mailing address. It's the. Well, I want the new one I gave you earlier. The four five five East Rolston Avenue San Mateo California nine one seven six three I believe.

utterance: Mhm.

utterance: Great. And are you the sole owner of this business?

utterance: I am.

utterance: Congratulations.

utterance: Thank you.

utterance: And what was the establishment date of your business?

utterance: first opened August seventh two thousand eleven.

utterance: All right. What is your gross annual sales?

utterance: Two hundred and twenty thousand dollars.

utterance: And what would the purpose for this loan be?

utterance: We are adding a extension to our current building.

utterance: Okay. Building expansion costs, got you. And then finally, looks like and with one question to go it froze up here. Hold on just a moment. Sorry about this. We won't have to redo anything, I just need to wait for this to finish updating.

utterance: OK.

utterance: Okay. I'm waiting on that. on the SBA, the grant. Is it. So I don't have to pay it back cuz it's a grant?

utterance: Well, it's totally gonna depend on how many employees you have and if you are keeping those employees employed.

utterance: Oh, so wait. So it's a loan. I'm sorry.

utterance: it's a loan, but it may be forgivable as long as you have over ten employees that you are keeping employed through these times.

utterance: Oh, I see.

utterance: Okay. I went ahead and submitted that loan request and you'll receive a response in seven to ten business days. Is there anything else I can help you with?

utterance: No, that should do it.

utterance: All right, thank you for calling Intellibank. You have a wonderful rest of your day.

utterance: Thank you, you too.

utterance: Bye.

utterance: Bye.