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

utterance: Hey, hi Jerry. I I got something in the mail it's showing your interest rates man, could you tell me about it?

utterance: Certainly, I'll be happy to assist you with that.

utterance: Also, what are your your hours at at at at the branch over there on on Baker Street?

utterance: Sure, happy to assist you with that there Mister well first of all, if I could ask, what is your first and last name?

utterance: my name is Benjamin Freeman.

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

utterance: Ray's Construction Company.

utterance: And, Mr. Freeman, I'm going to ask you a few questions because we do need to verify your count for for account security purposes. we do of course take your account security very seriously here. Is that all right?

utterance: Yes, sir.

utterance: Yeah.

utterance: All right. And, Mr. Freeman, if I could ask, what is your date of birth and phone number?

utterance: my date of birth is three twenty-six nineteen seventy. My phone number is four oh four two two two seven six zero seven three.

utterance: And, what is the account number?

utterance: shoot. My my account number? Can you hold on just just a second man?

utterance: Just a second. OK.

utterance: Sure.

utterance: All right. I got it right here. That that account number is nine eight four six five nine one nine.

utterance: And, Mr. Freeman, what is the PIN number on the account?

utterance: Well that PIN number is one seven zero nine.

utterance: All right. Thank you for that. And, I was able to verify the account and as I review yes. First of all, the hours of operations for our branch is Monday through Friday from nine a.m. to four p.m..

utterance: And, Saturdays from ten a.m. to one p.m. including the location you mentioned there on Baker Street.

utterance: Oh, OK. Sounds good there. Cuz I ride by that place often. That's that's why I want to know, you know?

utterance: Oh, well good. We're glad that you have easy access to a nearby location.

utterance: Oh, yeah. Thank you. Yeah.

utterance: And, Mr. Freeman, regarding the notice we sent you, yes, we have some very attractive interest rates. As a matter of fact, these are the lowest rates we've had all year on our secured loans.

utterance: And, these secured loans are provided to business that may be needing for instance financing and they're willing to back that up with some sort of collateral on their end. And, generally that eases the approval process for the loan application.

utterance: Oh, that sounds good.

utterance: Is that something you'd be interested there, Mr. Freeman?

utterance: Yes, sir. Exactly.

utterance: All right. Well, terrific. Terrific. I'd be happy to assist you with that. If you'd like I can go ahead and begin the application right here on the phone now. If you'd like?

utterance: I really well appreciate it. Proceed on.

utterance: And, Mr. Freeman, I'll ask you a few questions in order to complete the application or at least initiate the process. first of all, what would be the name of the business? Would it be the same?

utterance: Yes, sir. Ray's Construction Company. Yes, sir.

utterance: OK, that's applying for the loan?

utterance: Yes, sir.

utterance: And, what is the business address of the business?

utterance: The business is three six eight eight Lehman Court Smyrna, Georgia, three zero zero eight zero.

utterance: And, what is your personal address?

utterance: my personal address my personal address is one forty-one Opal Avenue Aver State Avondale state Georgia. Three zero zero two.

utterance: you said OK the ZIP code you said three zero zero two? I need one more number.

utterance: It's that that that that that ZIP code is three zero zero zero two. Three zeros.

utterance: All right. Terrific. Thank you for that. I just had to ensure that I had that information properly for our system.

utterance: Yes, sir. I I was kind of moving to fast for you. I apologize, sir.

utterance: Not a problem. And, what is the mailing address on file?

utterance: And, mailing address is three six eight eight Lehman Court, Smyrna, Georgia, three zero zero eight oh.

utterance: All right. And, Mr. Freeman, what is the social security number?

utterance: social security number is two five two three five zero six eight two six eight.

utterance: Let me say that again for you. Two three five zero six eight two six eight.

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

utterance: Oh, my driver's license number is zero nine two five nine eight two two.

utterance: And, what state is the driver's license in?

utterance: Georgia.

utterance: And what is the tax ID number?

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

utterance: And, Mr. Freeman, when was the business established?

utterance: The business was established May the seventh, nineteen eighty-four.

utterance: And, are you the sole owner?

utterance: Yes, sir.

utterance: And, what is your business email address?

utterance: My business email address is B Freeman two at Ray's Construction dot com.

utterance: And, what is your personal email address?

utterance: My personal email address is B Freeman R at Ray's Constructions dot com.

utterance: All right. Well thank you for that. And, just a few more questions and we will be complete with this part of the process. what is the gross annual sales for your business?

utterance: round round twelve million.

utterance: OK. And, what is the amount of the loan you'd like to apply for?

utterance: just a million.

utterance: And what type of will there be collateral?

utterance: Yes. There will be collateral. Yes, sir.

utterance: OK. What type of collateral will you be using?

utterance: equipment.

utterance: All right.

utterance: And, what is the purpose of the loan?

utterance: refinance.

utterance: OK. to refinance debt?

utterance: Yes, sir.

utterance: All right. And what is let's see here.

utterance: I'll just ask a few more questions. We may have already answered this but I just need to verify on my end again. the amount of the loan was it for a million?

utterance: Yes, sir. That's correct.

utterance: And you're using equipment?

utterance: Yes, sir.

utterance: All right.

utterance: And you mentioned the gross annual sales was for twelve million?

utterance: Yes, sir. That's correct.

utterance: All right. Thank you. And of course. I think we need to get this one of course. Is how long or what would the term of the loan be that you'd like?

utterance: three years.

utterance: OK. Three years?

utterance: Terrific. Terrific.

utterance: All right. I think now that we've double checked here, we have all the questions answered that we need to initiate the process here for the application for your business. Mr. Freeman, and what I'm going to do is go ahead and submit this application over to our business loan department. And, from there they will review the application. And, generally speaking within approximately two to three business days, they'll reach out to you either by phone call or email to let you know what the next steps are in the process.

utterance: Oh, I appreciate that. Thank you very much. That sounds good.

utterance: And, Mr. Freeman, anything else I can assist you with?

utterance: No, I think that'd be all. I thank thank you for your time. Appreciate you taking your time out, sir.

utterance: Thanks. And, we certainly appreciate you calling us.

utterance: All right. Thank you. Have a good day.

utterance: Bye bye.


speaker_role: Agent

utterance: Hi there, thanks for calling Intellibank. My name is Stephanie and who am I speaking with?

speaker_role: Customer

utterance: Hi, Stephanie. I'm Mike.

utterance: Hi, Mike. Nice to meet you.

utterance: Nice to meet you too.

utterance: Great and where can we get started today?

utterance: Well I have some questions about a checking account. I I'd like to open a checking account.

utterance: OK we can certainly help you out with that.

utterance: OK.

utterance: And, Mike, what is your last name?

utterance: My last name is Warren.

utterance: OK, excellent. And what is your address, Mike?

utterance: Address is six zero three, South Cochran Ave, Los Angeles, California nine zero zero three six.

utterance: OK and what is your social security number?

utterance: It's one zero zero three three three three one zero.

utterance: OK great. And do you have your drivers license number?

utterance: I do. Give me one second.

utterance: Yeah. Sure thing, take your time.

utterance: OK the drivers license number is one zero zero three four zero.

utterance: OK got it. And then do you remember your four digit customer PIN that you set up?

utterance: I do. It's two zero two three.

utterance: Mhm. OK. And, Mike, what's your email address?

utterance: Mike Warren at Gmail dot com.

utterance: Mike Warren at Gmail. OK. And then Mike, what is the name of your business that you're setting up your account with?

utterance: Puppy Hotel.

utterance: Puppy Hotel. I wanna stay there.

utterance: Mhm.

utterance: Yeah, it's pretty nice.

utterance: OK.

utterance: Great. And then are you the sole owner?

utterance: I am, that's correct.

utterance: Awesome. When did you establish?

utterance: We opened in twenty thirteen.

utterance: Oh wow, OK, great. And then what's your gross annual sales amount?

utterance: About twenty-five thousand dollars.

utterance: Twenty-five thousand. OK. And do you have your tax ID number?

utterance: I do. Hold on one second. Let me go find that for you.

utterance: Yeah sure thing. Take a look.

utterance: OK are you ready?

utterance: I'm ready.

utterance: The tax ID number is three three two zero two.

utterance: OK let me enter that in. OK and where is Puppy Hotel located?

utterance: Puppy Hotel is five thirty, Hope Street, Los Angeles, nine zero zero three three.

utterance: OK. And that'll be your the mailing address for your, your business?

utterance: That is correct, yeah.

utterance: OK great. And them I'm assuming this will be a business account or do you want to keep it at a personal?

utterance: Well what's the difference there?

utterance: Well I would say with the size of your business you might wanna move to business account. You You'll have a higher credit limit with your credit card. And the monthly fee will only be ten dollars.

utterance: Oh OK. Yeah I think I can go ahead with that.

utterance: OK sounds good. And them what will your initial balance be for this account?

utterance: I'm gonna go ahead a drop let's see here. I'll put in about five thousand dollars.

utterance: OK all right, sounds good. And then do you have your bank account number?

utterance: I do. One second. Let me put you on hold and find that.

utterance: Sure.

utterance: Take your time.

utterance: OK I'm back. You needed which part again?

utterance: Bank account number and then your routing number if you have it.

utterance: Yes the bank account number's one zero zero three three and the routing number's two zero two two.

utterance: OK great. All right. Sounds good. Mike, well your business checking account will come with a business savings account It's a tend dollar monthly fee.

utterance: Oh OK.

utterance: And then you you also get a complimentary platinum card that you don't have to apply for and your credit limit will be expanded since it's a business account.

utterance: Oh OK that that that's all sounds very good.

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

utterance: No that's it. Thank you so much.

utterance: Of course my pleasure. Take care.

utterance: Bye.

utterance: So you got to work on anything during.


utterance: Thank you for calling Intellibank. This is Jonathon speaking, how may I help you today?

utterance: Hi, I'm trying to open up a new credit card, and also, I was wondering. I know you guys offer treasury bonds. How much is like the yield percentage for them?

utterance: OK, so first off let's start by taking care of that card.

utterance: And then, I'll be able to answer the treasury bond yield question for you. So, to start, let's pull up your account and to do that I'm going to need your full first and last name as it appears on your Intellibank account.

utterance: Guy, it's Lucy Bennet. B E N N E T.

utterance: And your date of birth?

utterance: It's December seventh, nineteen ninety-four.

utterance: OK, and what is your six digit Intellibank number?

utterance: where can I find that?

utterance: At the at the top of your statement.

utterance: Oh, OK. it's five eight two six six five.

utterance: And what is your four digit security PIN?

utterance: Five five three five.

utterance: All right. Hold on one second while I pull up your account.

utterance: And were you looking to get our gold, silver, or platinum card?

utterance: I guess the one with the lowest fee?

utterance: All right, that would be our gold card.

utterance: I'm just gonna need to confirm a bunch of information from you before I can finish this application.

utterance: what is your address?

utterance: my address is eight two six six Bulicher Boulevard.

utterance: And what is your social security number?

utterance: That's nine five eight eight nine, zero two five zero.

utterance: And what is your driver's license or state-issued ID number?

utterance: my driver's license is in California and it's Y eight eight five, six seven eight zero five.

utterance: OK, and your email address?

utterance: you can just email it to Lucy dot Bennet at Gmail dot com.

utterance: And what is your business's name?

utterance: It's Lucy's Tacos.

utterance: All right.

utterance: And are you the sole owner?

utterance: Yes.

utterance: And when was your business established?

utterance: twenty sixteen, I think it was August eighth.

utterance: And your gross annual sales?

utterance: Like, fifteen thousand.

utterance: And one more thing, I'm just gonna need your tax ID number.

utterance: Sorry, I don't do my taxes very often, so.

utterance: Totally understandable.

utterance: OK, I think that is eight eight nine, six six, three four eight two.

utterance: All right. That is it.

utterance: Hold on just a moment here while this all processes. Our system is running a little slow today, so this is going to take a moment.

utterance: No problem. How how soon am I gonna get this credit card?

utterance: we'll have an answer for you in the mail in seven to ten business days.

utterance: OK.

utterance: As soon as this goes through I can check that treasury bond yield for you.

utterance: Yeah, thank you.

utterance: It should just be a couple more seconds.

utterance: No worries.

utterance: So, that I will get like a letter in a couple of days, or the actual card?

utterance: No, you'll get a letter with whether or not you are receiving the card.

utterance: OK.

utterance: All right. There's all set, your application is all in. And it looks like the treasury bond yield is five point eight percent.

utterance: Great, thank you.

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

utterance: no, I think that's, that's all.

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


utterance: OK, cool.

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

utterance: Hey, what's going on? My name is Dak Prescott and man, I'm calling in regards to jeez I have so much going on right now in regards to my company and people trying to you know, just try to go crazy quid, walk out and do this and demanding a pay and strikes and all these things and I'm just like, jeez like what is really happening right now so I n~

utterance: What well I mean.

utterance: Happy to help you with that sir to the best of my ability.

utterance: Yeah.

utterance: Yes, I need the best way to be able to handle the situation and get everybody calm and get everybody back to working.

utterance: Sure let. which aspect of your banking needs is that's gonna suit. Bad interest.

utterance: . Well I believe to order checks and then I need to my background my background it should be clean and clear and everything else so it should be fine. I I I just need to make sure that everything is straight. Do you need my birthday?

utterance: sure, I I'm gonna need that.

utterance: OK, it's it's July twenty-first nineteen eighty-three.

utterance: Got it.

utterance: Yes.

utterance: And can you give me the customer PIN that's associated with the account?

utterance: Yes, twenty-two sixty-six seven, and my address is five oh five Parkway Street Los Angeles California, nine hundred seventeen.

utterance: Fantastic, I know you said that you were interested in ordering checks, is that correct?

utterance: Yes, I need at at least twelve hundred.

utterance: Twelve hundred?

utterance: Yes.

utterance: OK.

utterance: following, people are really trying to walk out and do all these things, and I'm just like yeah, what is really going on right now, because I can't really handle this. This is getting too much, and you know, I I've been trying to call and call and call and call and call, but I haven't really got back to anybody, and nobody had got back to me and so I kinda been messing up too a little bit I'm sorry about that I'm just really stressed out and I just wanna get people paid, and the last time I tried to call somebody said they would get back to me but they never did, so I just need to make sure that I still have a business and people feel respected, because you know, some shady stuff happened, and you know, I don't do anything shady, I don't do anything disrespectful to people. I I I don't do that. I I go by the books man. I've been in business for more than for more than ten years and I I'm by the book. and I've been, you know I'm very great with people, and I show nothing but love and respect to my employees. People love me, people love to work with me, so yes, we don't have any type of software algorithm to pay directly, so yes, I think ordering checks will be fantastic, that way I can get them now and be able to pay everybody, and get everybody at ease.

utterance: Well.

utterance: I understand.

utterance: Oh.

utterance: OK.

utterance: Oh that sounds good sir. happy to help you with that and I have a a, these checks, ready to mail out to you, they'll be there within two business days.

utterance: So how.

utterance: Yes.

utterance: Yes.

utterance: No

utterance: That's not gonna work. I I I need faster like ASAP. Like.

utterance: OK great, well I'll put a rush on this order and they'll be to you.

utterance: Is that additional cost?

utterance: No sir, that's no additional cost.

utterance: Hey let me ask you this how. What about the, like ordering online or anything, is that faster, or is it, is this better? For future references.

utterance: Same amount of time, you just don't have to wait for someone to jump on the phone so I would recommend first going to your online account page and if you're having troubles there, you're always free to call us during our phone hours. or you can stop into any of our locations as well. But yes, online is gonna be, probably the easiest way for you to take care of everything. Is there any other information about your account I can help you out with? Or is there any other aspect of your business needs that I can help you with today?

utterance: OK I'm gonna do that.

utterance: Yeah.

utterance: No, that will I think that that covers it so you're gonna put a rush on it, is that gonna be additional charge to me?

utterance: No sir, no charge and those checks will be to you by tomorrow.

utterance: OK cool, that's that's that's great that's awesome ooh. This is great. Thank you so much, I kinda feel, now you know the bulldozers off my freaking neck, and I can breathe and get these people paid, and make sure everything is great, and yes. This is awesome. I don't know why I didn't think about yeah, ordering checks at the time, that's that's crazy, but yes, this is great.

utterance: Sure.

utterance: No problem sir, well we're happy to have you as a customer and I hope everything works out with your business these checks will be there to your to your address by tomorrow, and is there anything else I can help you with today?

utterance: This is great.

utterance: what

utterance: What's the time should I should I be looking, maybe I can have my assistant be on the lookout

utterance: well they should be by end of day, but if you log into your account, you'll be able to track where exactly they are OK.

utterance: To pick them up?

utterance: So yeah, if you just log in with that customer PIN number you gave me and your other information, you should be able to check that out.

utterance: All right, thank you so much.

utterance: Thank you sir, have a good rest of your day.

utterance: Thanks, goodbye.


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

utterance: Hi Daisy, I need to find the closest branch location to me.

utterance: OK, I'd be happy to help you with that. branch locations. What is your address?

utterance: One twenty-one Parkside Acres, Branson Missouri. Actually you know what, now that I think about it I just wanna go make a transfer but can I do that on the phone with you?

utterance: Go make a transfer? Oh. You'd like to do a wire transfer?

utterance: Yeah.

utterance: Certainly sir, I'd be happy to help you with a wire transfer. let's pull up your account. What is your full name and address, please?

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

utterance: Thank you George. What is your phone number?

utterance: It is six one two two two nine three nine zero nine and just in case you need it, my email is G Emory trades at Hotmail dot com.

utterance: Your date of birth?

utterance: September twenty-first nineteen ninety-nine.

utterance: What is your Intellibank pin number?

utterance: One six six two.

utterance: Thank you. Now George which account will we been withdrawing funds from today?

utterance: my checking account.

utterance: All right and please give me that number.

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

utterance: This is your Intellibank Total checking account, correct?

utterance: Yeah.

utterance: And your balance is four thousand two hundred sixty dollars and sixty-three cents. And Is the account that we are going to transfer funds into, is that a checking, savings, or investment account?

utterance: It is a checking account.

utterance: Thank you. Will this be an international or a domestic transfer?

utterance: It'll be domestic.

utterance: Thank you George. What is the routing number of that bank account?

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

utterance: Thank you, and what is the account number?

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

utterance: Thank you. How much will we be transferring?

utterance: I wanna do thirteen hundred.

utterance: Great. One moment while I prepare this information. I will read it back to you and allow you to confirm before I submit. OK?

utterance: OK.

utterance: All right I have George Emory is authorizing a domestic wire transfer in the amount of one thousand three hundred dollars 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. Does this sound correct?

utterance: Yeah, that sounds right.

utterance: Thank you. It'll be just a moment while this processes and then I will have a transaction ID number for you George.

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

utterance: So far, so good. I just punched in a little bit ago so, getting the day started but it's a beautiful day outside and I'm really looking forward to eat.

utterance: same here yeah, I just clocked into work. Just handling some banking stuff, trying to pay one of my vendors. I'm late for this payment actually, I completely forgot about it. I'm doing it now.

utterance: Ooh I hate close calls. wire transfers though sure are convenient, no?

utterance: Yeah, very convenient.

utterance: All right George, I have your transaction ID number here.

utterance: OK, I'm ready.

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

utterance: Nine nine one seven six two nine. Hey Daisy, really quick while I have you one the line, I actually do have to go to the branch. Can you tell me the closest location to me and could you also tell me their hours?

utterance: Sure, closest to your home address?

utterance: Yes.

utterance: Two twenty-eight Lavern Court. Open Monday through Friday, nine a.m. to five p.m., Saturday ten to two. Drive-through is Monday through Friday, eight to six and and Saturday is nine to three. They have an ATM in the entry way that's open twenty-four seven. Is there anything else I can help you with today George?

utterance: No, that should do it.

utterance: You know, I'm not sure I gave you your balance. Your final balance on your account is now two thousand nine hundred sixty dollars and fifty-three cents.

utterance: OK.

utterance: All right George, anything else?

utterance: Nope.

utterance: OK well thank you for choosing Intellibank. Have a wonderful day.

utterance: You too, bye.

utterance: Thank you. Bye bye.


utterance: Thank you for calling Intellibank, business and commercial banking division. This is Sam, how can I help you?

utterance: Yeah hey Sam, this is John Rivers at Vision Dips.

utterance: Hello John, what can I do for you today?

utterance: Well, I was wondering if you could check the liquidity of my accounts.

utterance: Oh sure, check the do the quick liquidity ratio?

utterance: Yes, that's what it's called thank you.

utterance: Yep, I'd be more than happy to look that up for you here, just give me one quick second. OK, can I please get the first name?

utterance: That's John.

utterance: Last name?

utterance: Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-nine.

utterance: OK thank you, can I please get the PIN?

utterance: Two five eight oh.

utterance: Can I please get a street address?

utterance: That's twenty-five twenty-five North Crunch Lane, North San Diego California, nine two zero eight three. And that's twenty-eight twenty-eight, North White Street, North San Diego, nine eight two zero one.

utterance: OK thank you. could you just please clarify for me which one is the personal?

utterance: Oh that's twenty-five twenty-five North Crunch Lane.

utterance: I just.

utterance: OK, thank you. And what is the time period that you were wanting to apply this calculation to?

utterance: Oh like the last three months.

utterance: OK. Just give me one moment here.

utterance: Yeah you know, with the pandemic being the way it is I just wanna make sure I can meet my ends.

utterance: Oh I totally understand. We've had a lot of small businesses calling about this recently. OK, so it looks like you're in good standing. Your your your ratio was very good, it's at two. Two point zero to be exact.

utterance: And that means that for the foreseeable future I'll be able to meet my vendors and what not.

utterance: Yes and then you'll be able to pay, I'm sorry for that, you'll be able to pay any liabilities that you have.

utterance: Oh OK that's good that's good, cuz like I said I'm a little this business, so some of this stuff is a bit foreign.

utterance: Oh well don't be afraid to ask any questions.

utterance: That sounds really good.

utterance: Was there anything else, else I could help you with, did were you wanting to learn a little bit more about online banking? there is a feature in the app that you can check this.

utterance: Oh yeah, if you can tell me a little more about that.

utterance: Certainly, so if you are a mobile user in the menu drop down menu there is an option for more and it will say calculators and then it will have the option to select which type of calculator you're looking to use. And then if you just select the calculator that says quick liquidity ratio it will show you what your current ratio is.

utterance: Oh OK yeah I'm looking at the mobile app right now and I I see that right now, that that was a pretty handy feature.

utterance: I agree, that was something new that they just rolled out with the last update about two months ago.

utterance: Oh well I I must have missed that.

utterance: Easy to do if it's not a feature that you need to check frequently.

utterance: Well that sounds really good, I definitely will be using that in the near future.

utterance: OK, well then was there anything else I could help you with?

utterance: Well, I guess while I have you on the phone, if you could check my checking account balance that would be great.

utterance: Certainly. if you just wanna provide me with the account number.

utterance: Yeah, that's twenty-three seven nine zero.

utterance: OK thank you. So, it looks like your account has a balance of three hundred seventy-two thousand eight hundred and twenty-five dollars and thirteen cents.

utterance: Yeah, that sounds correct and one other thing, where is the nearest branch location? Cuz I have a deposit to make later on today.

utterance: Certainly, are you looking for the nearest location to your home address or business address?

utterance: Home address.

utterance: OK. Just give me one moment here. So, it looks like our nearest branch location from your home address is about three and a half miles away. And that is at eighteen twelve North Maine Avenue.

utterance: Oh OK yes I know where that is. It's about four miles from here?

utterance: Our branch locator is showing about three and a half.

utterance: Oh OK that sounds about right. what are your banking hours today?

utterance: So that branch is open from seven thirty to six thirty, Monday through Friday. And it is open on Saturdays from eight to noon and closed on Sundays.

utterance: OK, well I can definitely make it down there. what was the ours again?

utterance: Seven thirty a.m. to six thirty p.m. Monday through Friday, and eight a.m. to noon on on Saturdays, closed on Sundays.

utterance: OK, well you've been really helpful thank you.

utterance: Was there anything else I could help you with today?

utterance: No, you've been great.

utterance: OK, well then you have a great rest of the day. Bye.

utterance: Bye.


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

utterance: Hi Brandon, calling to update my street address.

utterance: OK, I can help you with that. So to start, I just need to get your first and last name so I can access your account.

utterance: Herb Leftwich.

utterance: Alright Mr. Leftwich, and what is your date of birth?

utterance: November sixteenth, nineteen seventy eight.

utterance: Right, and what is your four digit PIN?

utterance: one four five six. or it could it's could be seven nine eight two. One four five six or seven nine eight two.

utterance: OK, it was seven nine eight two just so you have that for your records.

utterance: OK.

utterance: And what is your six digit bank account number?

utterance: Six oh three, three eight seven.

utterance: Great. All right. I have your account pulled up here. So in order to update your street address, I ham am gonna have to ask you a couple of your security questions starting with what was your first pet's name?

utterance: Axle.

utterance: All right, and what is the name of the street you grew up on?

utterance: Danbury Court.

utterance: All right. And your mother's maiden name?

utterance: Lofton.

utterance: Fantastic. Those all went through without an issue. So I'm going to need what I'm gonna need the address that is currently on your account.

utterance: OK. That's twenty-six Dill Avenue, Compton, California. Nine four zero one one.

utterance: Alright. and what is the address that you would like to change that to?

utterance: That's gonna be one seven eight three Elster Drive, Long Beach California. Nine four two three three.

utterance: Alright. Great. I have that all changed.

utterance: You ever been to Long Beach?

utterance: went down there for the Grand Prix once.

utterance: Ah that's cool. I mean I've visited there for years, I mean I lived close by in Compton and everything but I I never got into the Grand Prix I usually in Long Beach you kinda find me hanging out at the dog park or

utterance: You have a dog?

utterance: I do, yes.

utterance: Oh, cool cool cool, yeah there's a couple dog parks I could recommend to you down there.

utterance: he's an indoor dog.

utterance: well, maybe you could take your house with you? is there anything more I can help you with today?

utterance: yeah yeah I'm sorry I I also wanted to apply for a corporate credit card if that's all right.

utterance: OK. We can do that without a problem. I mainly just need to verify a lot of the information that we already have on file.

utterance: OK.

utterance: So starting off I'm gonna need to get your social security number.

utterance: Social is five oh three eight four eight zero seven two.

utterance: All right and your state issued driver's license or ID.

utterance: It is B as in boy, seven two nine, one one five two.

utterance: Alright, and your tax ID number?

utterance: Tax ID is seven six four, three eight three, one nine two five.

utterance: And what is your email address?

utterance: Email address is Herve the swerve at Gmail dot com.

utterance: Alright. And what is your business' name?

utterance: Herve's Surf Shop.

utterance: And are you the sole owner?

utterance: That's right.

utterance: And when was your business established?

utterance: Two thousand seven.

utterance: Alright.

utterance: March third, two thousand seven.

utterance: Great, thank you for the clarification. and we of we offer three cards, we offer our gold, our silver, or our platinum. which card did you want to apply for today?

utterance: Let's go with the gold.

utterance: Alright. So I have go gone ahead and submitted your application for our corporate business gold card. And you'll receive that card in the mail. in three to five business days.

utterance: Sounds good.

utterance: at your new address.

utterance: Thank you.

utterance: Anything else I can help you with today?

utterance: That takes care of it all.

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

utterance: OK, goodnight.

utterance: Bye.


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

utterance: Yes so I'm a business owner and I'm looking to expand our business and purchase some new equipment. I'm mainly wanting to buy a new conveyor for the business something that can feed our boxes through a little bit faster if you know what I mean.

utterance: OK. I understand that. Who am I speaking with today?

utterance: It's Jill Baker.

utterance: All right, and do you prefer that I call you Jill or Miss Baker?

utterance: If you can call me Jill.

utterance: All right Gill, do you currently have an account with Intellibank?

utterance: I do.

utterance: All right Gill, just so I understand yeah. You wanting to get a loan to purchase some new equipment for the business. Is that right?

utterance: yes I I would like to find out about some loans to see if I could get some new equipment that's right.

utterance: OK. OK so would you like to maybe hear about our loan options we have a couple I think might work for you.

utterance: Yes that'd be fine, I would.

utterance: OK. So we have The SB so so the two loans that I have, that I think may work for you is an SBA five oh four loan and an SBA seven A loan and I'll kind of explain those to you. So the SBA seven loan is a businesses administration loan and it's offered to small businesses. Were like, and those loans are where the government assumes some of the risk for the bank so that the bank can approve these loans even when the business date may be a little bit higher than normal loan that we would take. so some of some of the advantages of that, is that the the government guarantees some of that loan amount and they can assist in capping interest rates and eliminating those loan fees. And then we have the SBA five oh four loan and that is specifically for the purchase of real estate purchased for the business and your requirement does fall under this type of loan. So with the five oh four loans it's got a very similar structure to the seven A. the government may assume some of the risk for those two. They are easier to approve without the loans fee. Because of that they have some better terms and lower interest rates and then also too, you also have the advantage of them also being able to cap those interest rates and limit those loan fees as well. So if you are interested in purchasing a property with a this loan I would probably recommend the five oh four for you. How do you feel about that?

utterance: OK. yeah I think that's what I'm looking for. I've done a little bit of research on my own and that seems like the best fit. How do I apply?

utterance: OK. So in order to apply I just need to get some information from you. What is your account number?

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

utterance: OK. Thank you Gill. So right now. OK Gill so right now what is the name of your business?

utterance: It's Johnson Controls.

utterance: OK Gill and what is the date of your birth? I'm sorry, the date of birth.

utterance: It's March second nineteen eight.

utterance: OK and this account also has a four digit PIN number on it. Could you share that with me?

utterance: yeah so it's six four seven eight and then I think my old one used to be zero zero two two. I don't know if you still need that one?

utterance: no I won't need your old one. Just the new one and that that current one six four seven eight is the correct one. Can you tell me what's the name of the State you in Gill?

utterance: I'm in Kansas City Missouri.

utterance: OK and what is your address?

utterance: It's five three nine Heaton Road.

utterance: And the ZIP code there?

utterance: Seven three eight two zero.

utterance: All right Gill. Now can I get your social security number?

utterance: Yeah so that's eight four seven two zero nine three zero zero.

utterance: OK Gill. Do you have a drivers license and if you do what is your drivers license number?

utterance: Yes I do have a drivers livers. Drivers license, I'm sorry. And it's nine three seven zero zero two zero zero. That's my drivers license number.

utterance: OK and what is the State of that license?

utterance: It's in Missouri.

utterance: All right. Gill are you the only owner of this business.

utterance: Yes so it's in another city but I'm the only owner on it yes yes I'm the only one.

utterance: OK and when did you open the business?

utterance: Opened it in April twenty-ninth of two thousand and eighteen I believe.

utterance: OK do you know what your business grosses annually, do you happen to have that information?

utterance: yeah I do. So last year I think we made like six hundred and two thousand if I'm correct.

utterance: OK and what is your tax ID number Gill?

utterance: Give me just a second I'll have to find my sales tax license I always forget this. OK so it's seven three eight eight two nine zero.

utterance: All right. And what is the address for that business Gill?

utterance: It's eight three seven two Hillshire way and that's Kansas city Missouri eight three six seven two.

utterance: Thank you. Gill can I confirm an email for you?

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

utterance: OK and do you receive your mail from Intellibank. Do you receive that at the business or do you receive that at your home address?

utterance: You can just send everything to the business that's where I receive most things.

utterance: OK. And just real quick here, so you are using the loan to purchase some new equipment is that correct?

utterance: Yes, that's right.

utterance: All right.

utterance: And do you currently know do you know about how much you looking to borrow or how much you're gonna need for that new equipment?

utterance: So the equipment's about seventeen thousand dollars but I'd like a little bit extra, if possible, to do some other upgrades. So like maybe twenty-five thousand.

utterance: OK. And will you be putting anything down towards that loan?

utterance: So I could probably do around five percent I think that should be sufficient I think. So five percent is that okay, is that a good requirement?

utterance: Yeah so when you say five percent how much are you thinking? Are you thinking five percent of the borrowing amount or do you or do you have a number another number in mind?

utterance: So I could probably do like thirty-five hundred down. Would that be possible?

utterance: Yep.

utterance: Let me mark it here you said three thousand five hundred down. And Gill what kind of term are you looking for for this?

utterance: Like probably like for ten year. Could I do a ten year term or not, is that is that is that too long?

utterance: No, I can mark that down if that's what you are requesting.

utterance: Right Gill, I think that's everything I'm gonna need. So what I'm gonna do now, is I'm gonna send this loan through to see if I can get a pre-approval for you okay?

utterance: OK, so this is the EBA five oh four loan that I'm applying?

utterance: No, so the loan is actually the SBA five oh four long loan, not the NBA but but yeah that's the one you applying for. So I'm sending all your information through now, give me just a few moments OK so all Will send this through. Will see if we can get to that pre-approval and then I'll kinda go over things with you from there. Give me just a few moments, it usually comes back really quickly.

utterance: OK.

utterance: OK Gill so I did get that pre-approval for this loan for you. So what I'm gonna do now is I'm gonna email you the link to our loan portal. And it's gonna have a list of documents that I'm gonna need for you to provide. Once you access that email, if you can upload those required documents there then our loan agent will reach out to you to assist with the loan process. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be verified. Did you have any questions about that?

utterance: No so I'll wait an email with everything and then I'll just go from there is that what you saying?

utterance: Yep that's correct. I'm gonna send the email to you with all the documents I need for that loan and I'm gonna send that now. Was there anything else I can do with you do for you today?

utterance: No think that that's everything, thank you.

utterance: No problem Gill, thank you for choosing Intellibank, you have a really great day.


utterance: Good morning. Thank you so much for calling Intellibank. My name is Rachel. How may I assist you today?

utterance: Hey Rachel, how's it going? just kind of sitting in traffic right now trying to get to work.

utterance: Oh my. Well it sounds like you have a little time to kill.

utterance: Yeah, I think it actually is perfect timing. How are you today?

utterance: I'm doing great. And aside from the traffic how are things going for you?

utterance: yeah, yeah there there there not too bad. You know, traffic is nice when when you got an audio book that you got on play that you can got going so it kills and it is a good audio book. So I can just sit here and listen to it and feel like I am not in traffic. But yeah, no I'm doing doing good man, doing good.

utterance: Well good.

utterance: Well what may I do for you today?

utterance: All right, so what I would like to do is because I I I I am always in communication with you guys so, and I don't have much time to call all the time so I need to update my email cuz all of my communication is through email with everyone.

utterance: OK.

utterance: and I got a, so funny, I talk to I I I feel like I know all of you guys, except I don't know, are you new here?

utterance: No, I've actually been with the company for going on eight years.

utterance: Gosh, you guys must be a huge company because I feel like I've I've called so much and I've communicated with people through email so much that I've feel like I've spoken to the same at least the same person multiple times, with multiple people at the same time. Multiple times. It's just kind of crazy.

utterance: Wow.

utterance: That is definitely the luck of the draw cuz we have call centers all over the United States so. Yeah.

utterance: What? Oh, that's

utterance: Crazy!

utterance: Yeah, I'm actually in Iowa.

utterance: You're in Iowa?

utterance: I'm in Iowa, yes. located right next to a cornfield, believe it or not.

utterance: Wow. Holy smokes!

utterance: Yeah.

utterance: Yeah. Well, you're getting this call from Chicago, show time! Yeah.

utterance: Nice, of home

utterance: Of great theater, great pizza and wind.

utterance: man, deep dish pizza. You can say that again. Yeah lot T and lots of wind T. Brutal, brutal wind. You been Chicago?

utterance: I I have been I went out there to the Steppenwolf Theatre to see a friend in a play.

utterance: Wait, really?

utterance: Yeah!

utterance: God, is your friend famous?

utterance: Not yet. But she is famous in her own circles.

utterance: Oh, wow, great.

utterance: Fair enough, that's good, that's good. I guess those are the ones that count anyway, right?

utterance: Absolutely, yeah.

utterance: Yeah,

utterance: Great.

utterance: what was your name? Sorry.

utterance: So.

utterance: My name is Rachel.

utterance: Rachel, Rachel, Rachel, OK.

utterance: Rachel.

utterance: Like Rachel from Friends. When people forget. What's your name? I say like Rachel from Friends and that show is so popular suddenly everyone remembers and then they say, what's your hair cut?

utterance: Yes.

utterance: That's great man. I I honestly Friends, I never got into Friends. I didn't ever give it a chance actually.

utterance: Yeah, its its not it's not for everybody but I I just use it for pop culture cuz it helps people remember my name.

utterance: I hear it's really funny.

utterance: Yeah, you know, I mean when I used to watch it, you know, back in the day, it made me laugh a few times.

utterance: Awesome, So anyway, I just

utterance: You wanted to do something with your amounts? Am I understanding correctly?

utterance: Yeah, yes.

utterance: Yes, yeah, yeah, totally.

utterance: All right, so are we going to be setting up an email address? Do you have one on file for you that we are updating?

utterance: Well, yeah, we're just we are going to update one.

utterance: I'm gonna update one and .

utterance: OK.

utterance: Let me just put.

utterance: You into the system so

utterance: Oh w~

utterance: Wait, wait, wait. I got a wait. Can you hold on? I'm getting a phone call from work. Give me one second, OK? hold on.

utterance: Sure.

utterance: Hello?

utterance: I'm here!

utterance: Yeah, sorry about that.

utterance: No problem. may I get your first and last name, please?

utterance: Yes, it's first name is Marcel, M A R C E L and then it's De Sousa.

utterance: OK.

utterance: Can you spell?

utterance: I

utterance: D apostrophe, S O U S A.

utterance: OK. I have to. I almost chuckled when you told me your name was Marcel since we were talking about Friends because Marcel was the name of the monkey on the series.

utterance: Are you kidding me?

utterance: I know.

utterance: No way. I gotta watch it just because of that now. That's funny.

utterance: Yeah.

utterance: Oh.

utterance: Anyways, I thought that was kind of silly for them to have a monkey on there but anyways. Just a little bit of trivia for your for your nice drive instead of the audiobook.

utterance: Well, they try to push the envelope with shows, but I can't imagine that that show needs a monkey to be entertaining, I've heard so much about it.

utterance: and Marcel, what is your date of birth?

utterance: yeah, it is you ready for this?

utterance: I am.

utterance: All right, I'm just it's January third.

utterance: Mhm.

utterance: Nineteen seventy eight.

utterance: Got it. And your four digit PIN number?

utterance: five six nine three.

utterance: Great.

utterance: And social security number.

utterance: Oh thank you so much, I don't need your social, I have all the information I need now.

utterance: OK, cool. And then the the the email, I can give you the email right now, the new email.

utterance: OK, go ahead.

utterance: All right, it is M D S at associates dot com.

utterance: OK. M D at associates dot com? I'm sorry about that.

utterance: No. No no no no. M.

utterance: M D S like Sam.

utterance: Got it.

utterance: At associates dot com.

utterance: At.

utterance: Got it. All right, I have updated your email address and now I just sent you an email confirmation. You are all set.

utterance: OK.

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

utterance: Cool.

utterance: I just want to get back to this audiobook and I'm good. But thank you so much, you've been you've been lovely.

utterance: All ri~

utterance: Well, you have a wonderful day Marcel. Thank you for calling Intellibank.

utterance: Thank you so much, take care. Bye.

utterance: Bye bye.


utterance: Hi. Thank you for calling Intellibank, my name is Jackson. What can I do for you today?

utterance: Hi Jackson, I'm Dave. Wanted to talk to you about a securing a loan.

utterance: OK Dave, sure. could I have your last name?

utterance: Stevens.

utterance: Stevens. And can I have your social and your PIN so I can get into your account?

utterance: yeah, my social is two eight five four four three three five two.

utterance: My pin is nine nine eight nine.

utterance: Nine nine eight nine, got it. All right, just looking over everything here, one second.

utterance: All right, and what type of loan are we look about today?

utterance: well, thinking about getting one of these secured loans I hear so much about.

utterance: OK. Can definitely do that.

utterance: Great.

utterance: Let me pull up that application. OK, so to apply for this loan I'm just gonna need you to provide me with some information.

utterance: Sure, what do you need?

utterance: Can you confirm your address on file?

utterance: yeah, can I put you on hold real quick?

utterance: Yes.

utterance: Hello, you still there?

utterance: Yes, I'm here.

utterance: I'm so sorry about that. toilet was overflowing. What what information did you need?

utterance: I'm gonna need your address.

utterance: Oh yeah, it's sixty-three hundred Wilshire Boulevard apartment two Los Angeles, California nine zero zero three six.

utterance: Thank you, and can I have your social one more time?

utterance: Yeah, two eight five four four eight three three three.

utterance: And your drivers license number?

utterance: F California issued F one two five six seventy-eight.

utterance: state?

utterance: All right, got that. What's a good email for you?

utterance: I don't do email.

utterance: You don't have an email?

utterance: I do not.

utterance: OK.

utterance: Can I have the name of your business?

utterance: I'm unemployed at the moment.

utterance: so you don't have a business name?

utterance: no, I'm I'm I'm currently unemployed. My business went under.

utterance: well you do understand that we only do business loans here?

utterance: Oh, you don't do just regular Cam I put you on hold one more time again?

utterance: yes.

utterance: Hello, you still there?

utterance: I'm still here.

utterance: I I'm not gonna be able to get that loan I don't think I appreciate you trying to help though.

utterance: All right, is that everything.

utterance: Yeah, that's everything. Thanks so much.

utterance: All right, well you have a nice day.

utterance: Yeah yeah you too, please. Thank you.


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

utterance: Hey, how's it going? Well I've got a couple reasons. Would like to update my phone number and apply for a loan I heard about. My mom was telling me about this five oh four loan.

utterance: Oh, OK, yes we are actually partnered now with the SBA to assist with loans. And I can walk you through that, even do the application right over the phone if you desire to do an application.

utterance: Fantastic.

utterance: OK, great, well just to get started may I have your first and last name please?

utterance: Yeah, sure.

utterance: Thing it's Dakota, D A K O T A.

utterance: OK.

utterance: And Trammel, T R A M M E L.

utterance: T R A M M.

utterance: E L.

utterance: E L, OK great. and Dakota just so I can pull up your information, may please have your four digit pin number?

utterance: Sure thing, it's three two seven four.

utterance: Three two seven four OK. All right, that is pulling it up Dakota can you please verify your date of birth for me?

utterance: That's correct.

utterance: sure thing it's March thirteenth nineteen ninety five.

utterance: Great. OK, wonderful. This does pull up all of your account information for me. Would you like to start with updating the phone number?

utterance: Yeah let's do that.

utterance: OK great, would you like to update it for all of the accounts that you have?

utterance: yeah, that sounds good.

utterance: OK great so I'm gonna update the business silver credit card your business preferred checking and your Intellibank smart savings.

utterance: Sounds good.

utterance: All right so the old number, will we be we be removing is or keeping it as a secondary?

utterance: We're getting.

utterance: Rid of it.

utterance: All right, what is the new phone number?

utterance: It's eight one eight.

utterance: Mhm.

utterance: Three two five nine five four two.

utterance: OK, bear with me one moment I'm gonna be deleting and entering.

utterance: No problem.

utterance: OK, so the old number of three one zero nine two seven five four seven seven, I'm removing that. All right, updating that to eight one eight three two five, nine five four two.

utterance: Awesome.

utterance: OK, bear with me I've got one screen done, two more to go. All right. Phone number is updated, and I did send an email to you just to confirm the change.

utterance: Thank you.

utterance: You're welcome. Now, regarding the SBA loan, the four oh four, did you have any questions or would you like to just go ahead and apply?

utterance: Go ahead and apply.

utterance: OK, and if you have any questions along the way, I can answer that for you.

utterance: Mhm.

utterance: All right so I am going to be asking you for series of Information that didn't make sense but you know what I mean.

utterance: No I understand.

utterance: OK, so Dakota we'll be doing the loan under your name?

utterance: Yes please.

utterance: OK. May I ask your business address?

utterance: Sure thing. My current address is one forty-four North North Retenga Boulevard R E T A N G A.

utterance: OK, was there a unit number?

utterance: No, no unit number.

utterance: OK, and the city, state and ZIP?

utterance: Be Los Angeles, California. ZIP code is nine zero zero zero four.

utterance: OK, terrific. And I will need your social security number?

utterance: Sure thing, it's three two three.

utterance: Mhm.

utterance: Five four eight two one seven.

utterance: OK, and I'll just add the phone number we just used, I'll put that in this one.

utterance: Great.

utterance: Drivers license, and the state it was issued?

utterance: Yeah, it's Y sixty seven four three two one.

utterance: Great. Are you the sole business owner?

utterance: Yes I am.

utterance: OK, and what is your email address?

utterance: Email address is Trammel Dakota, Trammel comes first. ninety five at Gmail dot com.

utterance: Great. All right, and what were gross annual sales for last year?

utterance: Well my annual sell was one million dollars, and it's kinda that's the rough estimate.

utterance: That's okay just

utterance: Yeah.

utterance: One.

utterance: Million and three hundred. Yeah.

utterance: An average is good.

utterance: And what year did you establish your business?

utterance: My business was established in twenty eighteen.

utterance: OK. Your tax ID number?

utterance: Five four seven three zero two eight four three.

utterance: Great. And how much would you like to apply for, for the loan?

utterance: Well this loan itself I was hoping to apply for five hundred thousand.

utterance: OK. And the purpose of the loan?

utterance: help me pay for another property.

utterance: OK, so. OK so. OK purchase new property. All right and if you're approved for the loan, there will be a down payment due right away between five to twenty percent. How much would you like to put down?

utterance: Actually we could expand.

utterance: Stick with seven.

utterance: Seven percent. Good lucky number seven. All right, and would you like the funds deposited directly into your business checking account if you're approved?

utterance: Yes please.

utterance: OK, I just sent you an email, this is a confirmation of your application. You'll just need to load your photocopies of your tax ID number and you driver's license to complete the application.

utterance: Fantastic.

utterance: That's all there is to it, is there anything else I do for you today?

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

utterance: Thank you, and have a great day.

utterance: All right you do the same.


utterance: Hello. Thank you for calling Intellibank. This is Ryan speaking. May I help you?

utterance: This is Intel Bank.

utterance: No it's Intellibank sir.

utterance: Oh yeah that's right. I I was calling yeah I was online and I was checking my balance and I wasn't completely sure if the online balance is up to date or not so I thought I would give you guys a call. And hear the balance over the phone just to make sure that that is the same as the balance I'm getting online.

utterance: OK sir no problem may I please get your first name?

utterance: I'm also thinking maybe of applying for a credit card as well.

utterance: OK, sir. We can definitely help with that as well.

utterance: But first the account.

utterance: Yes. Can I please get your name?

utterance: Oh, yeah. It's Fred Thompson.

utterance: Mr. Thompson thank you very much. Is your first name Fred or Frederick on the account.

utterance: It is Fred.

utterance: Good. OK. Can you please give me your personal identification number?

utterance: yes six five two zero.

utterance: Six five two zero. OK.

utterance: Nice to be talking to you Mr. Thompson. Should I would you like to you said you would like to check your balance. Can you please give me the account number where you would like to receive the balance.

utterance: yeah for the balance it's gonna be eight six.

utterance: Mhm.

utterance: Three one five two eight four three seven two one.

utterance: OK. Let me take a with that and this is your business banking.

utterance: It is yes.

utterance: OK and you would like to receive the balance.

utterance: Yeah I like to to go look at the balance today.

utterance: OK. Well the balance is fourteen thousand three hundred ninety-two dollars. And seventy-three cents.

utterance: And does that reflect any pending transactions.

utterance: Yes sir they're couple pending transactions from things that you purchased yesterday it looks like and they're still pending.

utterance: OK.

utterance: The balance was taken out but the transactions is still officially pending.

utterance: Gotcha OK that makes sense. great. I think we're good with the balance.

utterance: I was also wondering what what kind of card you guys are offering what what's the difference between your your different cards?

utterance: Well we have sell the cards for business we have gold card and a silver card. it looks like you already have a card through us. Did you want some more? Options then what is available for the card that you already have?

utterance: Yeah I'm just curious since I have you guys on the phone what the what you have to offer.

utterance: Well first of all I would like to take a look at your credit card information of the card you actually have. Can you please provide your credit cad number.

utterance: Yeah it is nine four eight seven.

utterance: are you. You're gonna need the whole number?

utterance: Yes sir.

utterance: now I'm just gonna need you to hold for just a second here.

utterance: OK. No problem.

utterance: Sorry about this. This will take just a second.

utterance: No problem. Thank you for looking it up.

utterance: All right. That was nine four eight seven eight three six one two five four eight.

utterance: Great thank you. OK I see that Your card is in great standing so we would have no problem in allowing you to be in the a higher class of our business cards so you would automatically right now qualify for the silver. But at the moment you don't have quite enough points to go for the gold yet but I think that you know probably about a year of using the silver that you will definitely be gold qualified so would you like to like move up to the silver level and you are qualified and we can make that happen right away. We can get a new card out to you immediately. Would you like to move up to that now sir.

utterance: No I think I'm gonna waive my options and look into this a little more.

utterance: OK.

utterance: But I appreciate all your help.

utterance: No problem. Thank you for your time and thank you for calling Intellibank and please let me know if you need anything else before you go.

utterance: Will do I'mma I'm good.

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

utterance: Thank you. You too.

utterance: OK bye.


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

utterance: Hi.

utterance: I'm looking to apply for a SBA seven A loan.

utterance: can you take my application over the phone?

utterance: I certainly can, sir. I'll need to get a little information from you so I can go ahead and process that application. If you don't mind?

utterance: I don't mind.

utterance: All right, sir. First of all can I have your first name please?

utterance: first name William.

utterance: And your last name, sir?

utterance: Grayson.

utterance: All right Mr. Grayson, can I have your street address next?

utterance: Yes, thirty-five seven eight Clinton Street.

utterance: And what city, sir?

utterance: Little Rock.

utterance: And the state?

utterance: Arkansas.

utterance: And what's that ZIP code please?

utterance: Seven two two one one.

utterance: All right. That was thirty-five seventy-eight Clinton Street in Little Rock Arkansas seven two two eleven?

utterance: Yes.

utterance: All right. Thank you, sir.

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

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

utterance: All right, sir. And could I next have your driver's license number please?

utterance: Yes. Could you hold on for a second please?

utterance: Absolutely, sir.

utterance: All right.

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

utterance: And what state is that, sir?

utterance: State of Arkansas.

utterance: All right and to verify that number was four eight two two one nine one nine four?

utterance: Yes.

utterance: All right. Thank you, sir.

utterance: And for authentication purposes could I have the PIN associated with your account with us?

utterance: Yes.

utterance: Five five two three.

utterance: All right, sir. Five five two three. That is accurate.

utterance: Yes.

utterance: And can I have the email address you would like to list on this application?

utterance: Yes. The email is Grayson W S A S twenty ten at Gmail dot com.

utterance: All right, sir. And could you tell me the business name please?

utterance: Yeah, Shucks Alloy Part Auto Supply.

utterance: All right, sir. You said Shucks Auto Supply, correct?

utterance: Yes.

utterance: All right. And are you the sole owner of this business, sir?

utterance: Yes I am.

utterance: All right, sir. And what date was this business established on?

utterance: Nine five two thousand ten.

utterance: All right.

utterance: And could you tell me your gross annual sales, sir?

utterance: Two hundred and twenty-five thousand.

utterance: All right. Two hundred and twenty-five thousand.

utterance: Yes ma'am.

utterance: OK, sir. And now could you tell me your tax ID number?

utterance: Tax ID is five six five four three four six six zero.

utterance: All right. That was five six five four three four six six zero?

utterance: Yes.

utterance: OK, sir. And could you tell me the business address now?

utterance: yes my business address is I'm sorry about that.

utterance: That's fine.

utterance: Five five one Lincoln Drive. Lincoln Drive.

utterance: OK. And what city is that in, sir?

utterance: that's city is in Little Rock.

utterance: All right and the state is Arkansas?

utterance: Yes.

utterance: All right and what's that ZIP code, sir?

utterance: Seven two two one one.

utterance: OK. That was five five one Lincoln Drive in Little Rock Arkansas ZIP seven two two eleven?

utterance: Yes.

utterance: OK. And what mailing address would you like your mail send to, sir? Home or business?

utterance: business please.

utterance: OK, sir. That's the five five one Lincoln Drive Little Rock Arkansas address?

utterance: Yes.

utterance: OK. Thank you very much, sir.

utterance: And what is the loan amount you would like to request from us today?

utterance: the loan amount twenty-five thousand please.

utterance: OK. Twenty-five thousand.

utterance: Yes.

utterance: And what is the purpose for this loan?

utterance: The purpose of this loan is for construction.

utterance: OK, sir. Construction loan.

utterance: Yes.

utterance: And what is the loan term you would like to request?

utterance: Five years.

utterance: OK. So this will be a five year loan request?

utterance: Yes.

utterance: OK, sir. And what down payment percentage would you like to use today?

utterance: can I use the ten percent?

utterance: All right. You'd like to pay for a ten percent down payment percentage?

utterance: Yes.

utterance: OK, sir. And what is the funding routing number for that down payment?

utterance: The funding routing number is four three eight five eight one two two seven.

utterance: All right. Again that was four three five eight one two two seven?

utterance: Yes.

utterance: OK. And what is the funding account number, sir?

utterance: Yes, the fund account number is four one nine five five six three zero four three three one.

utterance: All right. That was four one nine five five six three zero four three three one, sir?

utterance: Yes.

utterance: All right, thank you so much for that information, sir.

utterance: And could you gimme just one moment while I complete your loan application in our system please?

utterance: Yes. I certainly can. Thanks Giving is my favorite holiday.

utterance: I mean my favorite.

utterance: So so are you looking forward to to the upcoming the festivities?

utterance: Absolutely, sir. I'm going to spend this holiday with my mother this year.

utterance: I actually have been putting that off because it's pretty good drive but this year I'm gonna make a you know I'm gonna go ahead and do that six hour drive so I can my mom on Thanks Giving.

utterance: Six hours. She must be grateful, she must be very important.

utterance: Oh, that sweet potato pie of the best.

utterance: Oh man.

utterance: I didn't get to see her the last two year due to the pandemic. So, yeah. I'm making a special trip to make sure that I get to see her this coming season.

utterance: Well ain't that just lovely. Just lovely!

utterance: OK Mr. Grayson I've gone ahead and put your application for a SBA seven A loan through our system. We're gonna need some supporting business documents before we complete this application.

utterance: We'll be sending that via email and giving you a list of those documents, sir.

utterance: We'll also include our fax number and our email in order for you to send this back to us.

utterance: as soon as you get this information back to us we'll be able to get back to you with the results of your application, sir.

utterance: Sounds good to me.

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

utterance: That about sums it up.

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

utterance: Why thank you, Cassandra. you too.

utterance: All right.

utterance: Thank you too, sir. Bye bye.

utterance: Bye bye.


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

utterance: Yes hi hi.

utterance: Hello.

utterance: Hi Sarah, I need to set up an auto loan payment today and get my loan balance due.

utterance: great, I can definitely assist you with those two things, can I start with your first and last name and your date of birth?

utterance: Yes this is Mason Henry. date of birth October eleventh nineteen eighty-two. I have a masters degree from Duke university and my first street name I grew up on was called corta corta davis. I I I I I I used to live in , I I.

utterance: Thank you for being so prepared Mason

utterance: Sorry, I just walked down memory lane there.

utterance: No, that's lovely. You've cleared all the security questions I would have asked you.

utterance: Oh wow.

utterance: I do need to know your PIN for your account though.

utterance: PIN, sure sure sure sure sure sure PIN PIN four four one zero.

utterance: Four four one zero, great. I am loading up your account right now OK, great. I am in your account. what is the account number for the loan you'd like to pay off?

utterance: seven zero six eight two nine.

utterance: Seven zero six eight two nine. OK, I see the loan right here. what is the day you would like to pay it on each month?

utterance: The twenty second.

utterance: OK, the twenty second of each month.

utterance: Mm.

utterance: is there a checking account you would like to pay it from?

utterance: yes, could you line it up with my Intellibank preferred checking account is that possible?

utterance: Yeah definitely. Let's see, is it. The account I have for you on file is the one that ends in one three nine eight.

utterance: One three nine eight? Yes that is, that's the one

utterance: great. What is the routing number for that account?

utterance: Routing five zero seven four two four.

utterance: Five zero seven four two four. awesome, I have. I'm currently putting this through the system, just gimme a sec OK, great. So your loan account will be paid and the balance due on the twenty second of each month starting with this twenty second of November.

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

utterance: so that. OK, so that's set up on the on another loan payment sorry I'm making loan payments, yeah that's, what do I, I have the term loan with you right?

utterance: yes.

utterance: OK OK, so I'll make sure of that so yes, while I have you on the phone. I believe I was asking about the the the the the, getting the loan balance due too, so that would be before cuz I haven't made any payments today, yeah just the balance due on my other loan I have with you. I'm sorry I have I've got the the the secured loan.

utterance: OK, I can definitely pull that up for you. my computer just timed out so I'm gonna have to get some information again, I'm really sorry about that so your name is Mason and what is your last name?

utterance: It's OK.

utterance: Mason Henry.

utterance: Mason Henry, great. and remind me of your date of birth.

utterance: October eleventh nineteen eighty-five.

utterance: October eleventh nineteen eighty-five, OK. your PIN number again.

utterance: different PIN for this loan. That is seven six zero six.

utterance: seven six zero six great. OK, and can you, I see the second loan on your account, can you just verify the account number for me.

utterance: that is eight one nine one three two one zero.

utterance: great, OK so I'm looking at this loan balance due you want the balance for the current month or how much is left on it?

utterance: the total balance due.

utterance: OK, the total balance due is twenty three thousand five hundred sixty-seven and eighty-one cents.

utterance: All right, all right. I'll chew on that for a while First thank you so much for providing me with this service and information and always good to know Intellibank is there for me.

utterance: of course, thank you for being a valued customer of Intellibank have an amazing day.

utterance: thank you.


utterance: Thank you for calling Intellabank, this is Stephen. How can I help you today?

utterance: yes, I would like to get my net income for my business.

utterance: OK, I can certainly help you with that.

utterance: May I have your name, please?

utterance: Dan Thomas.

utterance: T H O M A S.

utterance: All right, thank you, Mr. Thomas.

utterance: And can I have your date of birth?

utterance: May twelfth, nineteen sixty.

utterance: Thank you.

utterance: And what time period would you like to know your net income over?

utterance: the last twelve months.

utterance: All right. Would you like that over just the last twelve months starting at the beginning of the month, or year to date?

utterance: year to date.

utterance: OK. And then I will just need you to verify your authentication PIN number.

utterance: OK, hang on a second. Let me see if I can find it.

utterance: Certainly, do take your time.

utterance: Well, I can't seem to find it.

utterance: What, what can I do now?

utterance: OK, Sir. is it possible, that you have it on record somewhere, that you can find that PIN number?

utterance: I'm sure I've got it written down somewhere, but I just can't locate it.

utterance: All right. well, unfortunately, without that PIN number, I won't be able to access your account to run the report for your net income so, I am sorry to have to tell you that. however, do you have online banking with us?

utterance: I do not.

utterance: OK, well, unfortunately, I won't be able to set that up for you either without your PIN number. but, with online banking you would be able to run these reports on your own, at your own convenience.

utterance: if I can't find my PIN number can I go to a, a local branch, and with some proper identification, and get my PIN number reset?

utterance: yes, Sir, absolutely. You can go to any of our local business branches, and you will just need a photo ID for yourself or if you have an agent of your bank, or agent of your business, I'm sorry, who is also on file for your account, they can take care of that as well.

utterance: Or if they have their own PIN number, they could give us a call to get this information or to get online banking set up for them, depending on their permissions on their on their account.

utterance: OK, can you direct me to the nearest branch.

utterance: I certainly can. where are you located at, Mr. Thomas?

utterance: I am at seventy-six, Sunbeam Drive, Canyon Country, California, nine one three eight seven.

utterance: OK, give me just a moment to find which of our local branches would be able to do that for you.

utterance: Your day going pretty good so far?

utterance: Yes, Sir. My day is been quite good. how is your day going?

utterance: Oh, not too bad. Been raining here a little bit, but maybe the sun will pop out in a few minutes.

utterance: Oh, I understand. I wish we could get some sun too, it's, it's been quite cold here recently.

utterance: Y~

utterance: Yeah.

utterance: OK, Sir, it looks like the closest branch to you would be at twenty-eight Glenridge Street.

utterance: And that is also in Canyon Country, California.

utterance: OK, I know where that Streets at. It's not too far away. So, if I can not find my PIN number, I'll, I'll go down and, and have them reset it. what's what hours is that bank, branch open?

utterance: Yes, that branch is open from eight a.m. to five p.m., Monday through Friday.

utterance: OK, sounds great.

utterance: Yes, and that branch can also help you set up your online banking while you are there if you would like to do that at the same time.

utterance: That'd be fantastic.

utterance: All right. Well, I am sorry we, I wasn't able to take care of your request today but is there anything else I can help you with?

utterance: I don't believe so.

utterance: All right, Sir. Well, you have a fantastic afternoon, and thank you for calling Intellabank.

utterance: All right, thank you.

utterance: Goodbye.

utterance: Bye, bye.


utterance: OK.

utterance: Good evening, thank you so much for calling Intellibank where customers come first. My name is Sonya and I will be happy to assist you on tonight's call.

utterance: Hi there Sonya, how you doing?

utterance: I'm doing just great, how about you?

utterance: I'm good, I'm doing good. I just wanted to reach out. well really because I want to check my debt income ratio.

utterance: OK.

utterance: so I wanted to get started on.

utterance: On that And I know that bank has like provided so much help in the first place with me in. And you know. you guys have my accounts pretty you know they've been consistent with following up and making sure that I'm making my payments and not falling behind so.

utterance: Well I have to say it looks like you've been doing a great job of that all on your own here. And we here at Intellibank are always happy to have great customers like you.

utterance: Oh sorry. Intellibank.

utterance: Right. Of course.

utterance: Oh, no. I

utterance: Hear. It's all right I you you got it you.

utterance: I don't think so you've got it more than I do.

utterance: Well I just gave you the full name, so that's OK. You you call us whatever you like we'll we'll answer.

utterance: Yeah.

utterance: Aww, you're so kind.

utterance: Hey I'm sorry I don't think I got your name.

utterance: it's Wilmur.

utterance: I'm sorry.

utterance: Wilmur.

utterance: Wilmur, OK?

utterance: Yeah.

utterance: And Wilmur what is your last name?

utterance: Wilmur Roiz.

utterance: Roiz.

utterance: Like. Let's put R O I Z.

utterance: R O I Z E?

utterance: E.

utterance: I R O I Z.

utterance: Got it, OK. Sorry about that. OK and So to get your income your debt-income ratio I'll just need to pull up your account. So let me just ask you a few quick questions here. may I get your four digit PIN number that's associated with your account?

utterance: Yeah.

utterance: No you're good.

utterance: Uh-huh.

utterance: yes it's two, seven, three one.

utterance: OK, great. Two, seven, three, one. All righty. And may I verify your date of birth?

utterance: it's march third nineteen seventy-six.

utterance: OK, very good.

utterance: And may I also get your social security number?

utterance: Yes it's zero, two, one, shoot you know what it's just off the top of my head. Give me one second I have to go look for it.

utterance: Not a problem.

utterance: All right I'm back.

utterance: OK.

utterance: OK. I laminated this thing they they say you're not supposed to laminate it but I ended up laminating it. My social security card.

utterance: OK.

utterance: Oh, boy. I hope it still works. It should be fine. All right so, you ready?

utterance: I am.

utterance: OK. It's two zero, five.

utterance: Two, zero, five.

utterance: Six, eight.

utterance: Six, eight.

utterance: Three, four, seven, six.

utterance: Three, four, seven, six.

utterance: That's right.

utterance: OK, great. All your information pulls up on all of your different accounts. I see that you have your credit card your business silver card with us. You have our business preferred checking. And I also see not only do you have a secured loan with us you have your wealth management account with us. So thank you so much. It looks like you've been a loyal customer for over nine years.

utterance: Yes I have.

utterance: Thank you so much so now we would like to look at the debt income ratio?

utterance: Yes.

utterance: OK, great.

utterance: Yeah exactly I wanna see if I if I wanna take some take some money out.

utterance: OK, great. And you know I know you said particular quarter. but can you refresh my memory which quarter we're looking at?

utterance: yeah let's see the last two quarters of of of this year.

utterance: Last two quarters.

utterance: OK. So, all right. OK. So for the previous quarter. Looks like your payments were quite hefty which is definitely in your favor. So that kept your debt income ratio at eighteen percent, which is fantastic. Not not very many people carry that so that's great. And then for the last quarter.

utterance: Mhm.

utterance: Yep.

utterance: Came in at eighteen percent so you've been really consistent there.

utterance: Paying debt right? I mean yeah OK great. All right well

utterance: Mhm.

utterance: And I just wanted to let you know, sorry to cut you off but just in case you call in you know it's after business hours. You can do any of this online, you can do this on the mobile app. Of course we're always here up until nine p.m. Eastern time to assist you as well.

utterance: Uh-huh.

utterance: OK, wonderful. Well you know what then I can if I do it on the mobile app I can probably just do it on there.

utterance: whatever whatever you can do with us you can do online. Absolutely but we're, again, we're always here to help.

utterance: Awesome.

utterance: Wonderful.

utterance: Was there anything else I can do for you tonight Wilmur?

utterance: You've been great, no that's it. Thank you so much for your help.

utterance: You're very welcome and thank you for calling Intellibank and being a valued customer. Have a great night.

utterance: All right.

utterance: You too. Bye now.

utterance: Bye bye.


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

utterance: Hi Daisy. I need to change my account pin number to a number I won't forget so easily.

utterance: Okay all right we're going to update your PIN. I'll be happy to help you with that. Let's pull up your account. What is your full name and address please?

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

utterance: Thank you. Your date of birth?

utterance: September twenty-first nineteen ninety-nine.

utterance: Your Intellibank PIN number please?

utterance: Sixteen sixty-two

utterance: And will you provide for me your account number?

utterance: sure. I have it written down here somewhere. Do you mind giving me a second while I go find that?

utterance: No. Take your time.

utterance: right, I've got it here. It is 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 four thousand two hundred sixty dollars and fifty-three cents. One moment while I pull up my screen to make the update to your pin. Okay. And please confirm for me your old pin?

utterance: Sixteen sixty-two.

utterance: And your new pin?

utterance: Eighteen twenty-four.

utterance: One eight two four?

utterance: Yes.

utterance: All right, that change has been made. Is there anything else I can help you with?

utterance: Yeah, I got a letter in the mail talking about the IntelliBusiness silver card I think it's called? and the couple of bullet points that are provided looked really interesting. So I'd like to know more about it.

utterance: Sure. I'll be happy to provide you with information about our IntelliBusiness silver card. It is for small and medium sized businesses and this card allows you to reduce the administrative charges and to manage easily the expenses of your cards right online. It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit profile. There's no annual fee. You earn unlimited one point five cash back on every purchase made for your business. You can redeem rewards for cash back, gift cards travel and more. Earn rewards faster with employee cards at no additional cost. For those employee cards you can set individual spending limits. For greater control over your companies expenditures. Your card transactions will be monitored for possible signs of fraudulent activity using our real time, state of the art fraud monitoring systems. You won't be held responsible for unauthorized charges made with your card or account information. You could customize your card with your own business logo and design. And George, for the first twelve months we're offering a promotion the promotion is that there's zero percent introductory APR. And after that twelve month introductory period it rises between thirteen point two four percent and nineteen point four two percent depending on your credit worthiness. How's that sound? Would you like to go ahead and sign up for that card today George?

utterance: No I don't want to sign up today. I I just want some information. I'll I need to talk to my financial advisor about this. See if it's in my financial plan.

utterance: Certainly! Would you like me to send you this information via email?

utterance: Yes please.

utterance: Absolutely mm please give me your email.

utterance: Sure, it's G Emory Trades at hotmail dot com.

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

utterance: Yes. I'm to make a withdrawal so could you give me the closest branch location to my address please?

utterance: Certainly. Our closest location to your address is two twenty Laverne Court. It's open Monday through Friday nine am to five p.m.. And Saturday ten till two. The drive-thru is open Monday through Friday eight to six and Saturday nine to three. They do have an ATM available at that location. It's in their entryway and it's open twenty-four seven. That ATM accepts checks and or cash deposits.

utterance: Does that ATM have a daily withdrawal limit?

utterance: Yes. Your daily withdrawal limit for all Intellibank ATMs is four hundred dollars.

utterance: OK, so I'll actually have to go into the branch. OK. That's fine.

utterance: OK. Anything else I can help you with?

utterance: Nope nothing else.

utterance: Okay George thanks for calling Intellibank and have a wonderful day!

utterance: You too bye.

utterance: Bye now!


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

utterance: yes, I've got an intel bank checking account and

utterance: Did you mean Intellibank checking account, sir?

utterance: Yes, yes. That's correct. I'm thinking I want to schedule an appointment with an investment specialist.

utterance: OK. I can certainly do that. Let me just get a little bit of information from you. Can I have your name, please?

utterance: Dan Thomas T H O M A S. And my birthdate is May twelfth nineteen sixty.

utterance: All right. Thank you, sir. And Mr. Thomas, do you have your PIN number?

utterance: hang on just one second. Let me see if I can find it.

utterance: OK. No problem.

utterance: OK. I found it.

utterance: All right. Whenever you're ready.

utterance: One zero six two.

utterance: OK. Thank you, Mr. Thomas. I've verified that for your security. And so you're just wanting to have appointment set up with one of our investment specialists, is that correct?

utterance: yes, I believe so. can you tell me a little bit about what a the investment specialist would do for me?

utterance: certainly. So our investment specialists are financial managers who have a background in investment scenarios and they would help you identify what best investments would be available to your business.

utterance: OK. That sounds good. yes, I would like to schedule an appointment, please.

utterance: OK. And when would you like to have that appointment?

utterance: let's do next Monday.

utterance: All right. And what time would you like to have that on a Monday?

utterance: let's do it in the morning if you got anything available.

utterance: OK. I have a nine thirty a.m. and a ten forty-five a.m..

utterance: Let's do ten forty-five.

utterance: All right. And did you wanna do that in person or online?

utterance: let's do online.

utterance: OK. And then if you can just verify your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: OK. Thank you very much. And I've gone ahead and got that appointment set up and so you will receive an email the day before your appointment with a link to a secure browser that will let you have that conference call. And we do recommend that you have a webcam on whatever computer or device that you're using but it is not required. It just does make things a little easier.

utterance: OK. That sounds pretty good. any documents that I might need or anything?

utterance: no, unless you have specific questions beforehand. the specialist will get those documents from you on the day of. but generally they don't need a whole lot of previous documentation to help identify opportunities for you.

utterance: OK. Sounds great. Your day going pretty good so far?

utterance: yes, sir. My day is doing pretty good. had a little car trouble on the way in this morning but wasn't too anything major. How's your day?

utterance: That's good.

utterance: That's good. My day's going good.

utterance: Well that's wonderful to hear. All right, Mr. Thomas. Is there anything else I can assist you with today?

utterance: what other services do you offer?

utterance: yes, we we do offer three different levels of corporate credit cards, two tiers of checking accounts, a savings account, investment account. And then we also offer a variety of loans. And then as well as our investment specialists we also offer tax specialists and risk management specialists.

utterance: OK. yeah, I might be interested in getting a loan. can you tell me some of the interest rates on your loans?

utterance: certainly. So our two general loans are going to be our term loan and our secured loan and the main difference is that the secured loan is obviously secured through some kind of collateral whereas the term loan is unsecured. And the unsecured term loan, they generally have an interest rate range between five and nine and a half percent. And the secured loans generally have an interest range between four and eight and a half percent. And then we also offer real estate loans and then two different types of small business administration loans which are government backed.

utterance: OK. That sounds good. I'll think about it.

utterance: All right. Well do feel free to call us back if you have any more questions about the loans or we do have a lot of that information on our website as well and you can also apply online if you decide to.

utterance: OK. Sounds good.

utterance: All right, sir. Well is there anything else today?

utterance: I can't think of anything.

utterance: All right. Well you have a fantastic afternoon and thank you for choosing Intellibank.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank customer service. My name is Sally. How can I help you?

utterance: Yes. Hello. Sally I am calling today because I want to set up my loan that I have over there for that auto pay feature.

utterance: I would love to assist you with setting up an automatic loan payment each month. May I please get your first and last name?

utterance: yes this is.

utterance: Sorry Daniel Bradshaw.

utterance: Daniel Bradshaw. Thank you for calling us Daniel. what is your date of birth?

utterance: Date of birth August seventh nineteen seventy-eight.

utterance: Great. August seventh nineteen seventy-eight. OK. May I please have your PIN number for your customer account?

utterance: Absolutely. It's six five six five.

utterance: Six five six five. Great that logged us in.

utterance: That's my

utterance: I I was a line backer in high school sixty-five was my number so I choose the pin. Do do you ever do that chooses things based on your I don't know like what's a way I'm I'm not asking for your personal security but I mean I've always been a numbers guy. Somebody told me that somebody told me that I was talking. I didn't realize that that I was I was talking numbers, you know like I'll I loved when I worked in the restaurants, I used to love to say eighty-six the chicken, you know, which means when you're out of chicken.

utterance: Yeah. We actually have many numbers here at Intellibank. Different codes that we use I definitely can not disclose to use which pin numbers I use.

utterance: No but I didnt mean to go down go down that road. I was thinking maybe I missed my calling in life by not being a numbers guys because I I ended up I ended up just I ended up just just shucking corn.

utterance: I think that shucking corn is a very honorable job.

utterance: Yeah. I'm I'm corn shucker.

utterance: Speaking of numbers what is your loan account number?

utterance: Hmm. I'm sorry I'm still just thinking about work I was out there.

utterance: Oh. Shucking corn today my loan account number is five five two three nine eight one.

utterance: Five five two three nine eight one. Thank you.

utterance: What is the day you would like to pay your loan off each month?

utterance: Oh. First of the month will be fine.

utterance: First of the month what co. is the account number for the bank you'd like to pay from?

utterance: Just line it up with the checking account you have on file for me there through Intellibank.

utterance: It seems like your checking account number is the one that ends in, one three nine eight?

utterance: That's the one.

utterance: Great.

utterance: What is the routing number for this account?

utterance: Seven five two eight one zero.

utterance: Seven five two eight one zero.

utterance: OK. Great. I've scheduled your automatic loan payment to come out of your account ending in one three eight on the first of each month. Starting with the first of December. Is there anything else I can help you with today?

utterance: So I had it scheduled for the first right?

utterance: Yes.

utterance: If I wanted to change that in the future to the third could I do that myself online?

utterance: Yeah you can act. Through our website under your account and payment preferences you'll see there is an option to change your automatic loan payment date.

utterance: OK. Great. Well yeah that that's all I'm looking for today. Oh you know what I'm I forgot I meant to do this I wanna want to schedule an appointment with your investment specialist that you have.

utterance: Of course we would love to give you some superb advice for the investment account OK. So when is a day of the week that works best for you?

utterance: Day of the week that works best for me? I'm a mid week kind of a doer. So Wednesday. If you have Wednesday.

utterance: Yeah. We have plenty of availabilities next Wednesday. Is there a time of day that you would prefer?

utterance: Pretty open just kind of let me know whatever you got.

utterance: Would you prefer to meet with the specialist in person or online?

utterance: I'll do it online how ever that works.

utterance: OK. Great. You would be meeting through our secure platform on Intellibank dot com. It's a video chat and we'll send you an email with the link to it. I have availabilities next Wednesday at eleven a.m. noon and one p.m..

utterance: Surprise me.

utterance: Let's go with noon.

utterance: I'll take it. I'll take noon.

utterance: Great.

utterance: I scheduled your apointment online at noon next Wednesday. And you'll receive an email within the next five minutes with a link to that appointment as well as the schedule time. Is there anything else I can help with today?

utterance: No that works out perfectly thank you.

utterance: Thank you for calling Intellibank.

utterance: Thank you.