speaker_role: Agent

utterance: Hello. This is Thomas O'Keefe at Intellibank. Thank you so much for banking with us. who do I have the pleasure of speaking to?

speaker_role: Customer

utterance: Hello. My name is John Allen. And I'm calling in regards to man, I need a investment report.

utterance: An investment report.

utterance: Yeah.

utterance: OK. We can definitely we can definitely do that for you today. So you said your name is John Allen. Is that your full name on file?

utterance: Yes.

utterance: And and Allen is spelled A L L E N?

utterance: Yes.

utterance: Wonderful. Mr. Allen, can you please provide your date of birth?

utterance: yes, my date of birth is zero eight nineteen nineteen eighty-nine.

utterance: All right. Wonderful. fantastic. So next question I'm going to need pr- need you to prove, need you to answer is your PIN number. It's a four digit number that you made when when this account was was started. Do you have that handy? Four digit PIN?

utterance: yes. Four digit PIN is sixty-six fifty-five.

utterance: Got it. OK. Absolutely. could you just confirm what city you're in?

utterance: yes, I'm in San Diego.

utterance: And the ZIP code?

utterance: ZIP code is forty-seven eighty-five one.

utterance: All right. And, can you just confirm your social security number please?

utterance: Yes, it is, thirty-seven five.

utterance: And your dri- your drivers license?

utterance: Oh, y- did you need the whole thing?

utterance: j- just just the four digits.

utterance: Oh, thirty oh thirty-seven fifty-five for the Social.

utterance: And then OK.

utterance: the last four? And then you said you needed the driver's license?

utterance: Your driver's license.

utterance: Yeah, the your whole driver yeah.

utterance: Yeah.

utterance: Oh, Y two eight zero three five one two.

utterance: Fantastic. And this is this is a business? This is a business count?

utterance: Yes.

utterance: All right. Could you provide the tax ID associated with this account? It'll be nine digits.

utterance: Oh, OK. the business account number is two four eight one five six six one.

utterance: Six six one.

utterance: Yeah.

utterance: Got it. OK and the business address?

utterance: Yes, my business address is sixty-seven five West Lane, College Park San Diego, California.

utterance: Got it, OK. And the business name?

utterance: business name is Shiba Coin.

utterance: Shiba Coin.

utterance: Yes.

utterance: All right. And you're the sole owner of Shiba Coin?

utterance: Yes, I am sir.

utterance: So you, so you started Shiba Coin?

utterance: yeah, something like that, yeah.

utterance: That's very impressive, absolutely. When is the esta- what's the establishment date?

utterance: Thanks, man.

utterance: the establishment date is two thousand fifteen.

utterance: Two thousand fifteen. All right, OK. Yeah, a lot of popularity with Shiba Coin these days.

utterance: Yeah, absolutely get you some.

utterance: What's the gross sales?

utterance: gross sales is about jeez, fifty-five trillion.

utterance: Excuse me?

utterance: Fifty-five trillion.

utterance: Fifty-five trillion is your gross sales?

utterance: Yes.

utterance: That's.

utterance: I know, it's unbelievable.

utterance: That's very impressive. Yeah. It it really is. All right. So, all right, everything does check out. I'm I'm in your account. what can we do for you today?

utterance: Absolutely.

utterance: You mentioned you wanted an investment report?

utterance: Oh, I'm so sorry. You broke up.

utterance: Yes, I needed an investment report. Yes sir, I needed that. Yes.

utterance: All right.

utterance: We can send

utterance: That over. All right, so we have an email Shiba Coin is King at Shiba dot com. Is that is that a good email?

utterance: Yes, it is.

utterance: All right. So I could send the investment report to that email. And is there anything else you'd like sent over?

utterance: yes, yes, yes, yes. as I'm looking at my documents here I needed that you did you did send the credit the credit report. I needed that, as well.

utterance: So you need a credit report? OK.

utterance: Yeah.

utterance: Yeah, you've you've

utterance: You sent

utterance: That to me already, didn't you?

utterance: Well well well

utterance: Well n- not yet. You've you've requested two credit reports this year this is the third complimentary credit report. If you need any additional, you will be charged twenty-five dollars per each credit report but this one is complimentary, OK. And I will send it to the Shiba is Ki- the Shiba is King at at Shiba dot com. Is that correct?

utterance: Yes.

utterance: Fantastic. So, both of these both of these documents, these reports are on the way and you should r- you should be receiving them any any moment. Is there anything else I could do for you today?

utterance: No, all is well.

utterance: All right, thank you so much for being a customer right here at Intellibank.

utterance: All right, thank you sir.

utterance: Thank you.


utterance: Good evening. Thank you for calling Intellibank. This is Rose. How can I help you?

utterance: Hi Rose. My name is Kim. How are you this evening?

utterance: Pretty good. How about yourself, Kim?

utterance: I'm doing pretty well. happy to be off.

utterance: It's got a little bit chilly up here. How's the weather where you are?

utterance: Aww, same. I live in Myrtle Beach, South Carolina and today was the first pretty warm day we've had in a while.

utterance: Huh.

utterance: it was really really crazy hot for much longer than it was anywhere else it seems. And then all of a sudden we had one day of fall and then the next fifteen minutes later it was winter.

utterance: Oh no. Yeah, I would think Myrtle Beach. Yeah, I would think Myrtle Beach would be warmer this time of year still.

utterance: All in the same day.

utterance: You would think so but it's really cooled off. Like today was the first time that it was nice since. Yeah I mean even at Halloween it was you know pretty chilly and normally we we have pretty good weather up until I don't know. Like almost February. I mean we wear shorts at Christmas down here. I love it.

utterance: Oh wow. Not surprising.

utterance: Yeah, I've definitely been down there during winter months and and worn shorts so it must be like unusually cold everywhere. I guess that's probably what's going on.

utterance: Yeah.

utterance: All these storm, you know, storms coming through.

utterance: Is it really cold where you are?

utterance: I mean I wouldn't consider it really cold. It's fall so it's it's nice weather.

utterance: you know when it rains it's it seems colder but other than that it's good. You know sweatpants, or jeans and a hoodie, sweatshirt which is my favorite so

utterance: Sweatshirt, jeans and a hoodie, gotcha.

utterance: Yeah.

utterance: Well, I'm calling tonight because I need some help. I want to apply for a loan.

utterance: I'm actually looking to do a loan to purchase some real estate.

utterance: I happen to fall into a pretty unique deal with my father-in-law and he is he is looking to sell a piece of land and I am wanting to buy it so that I can put my own, you know, my own spot my own my business so I can move it, you know, to my own spot is what I'm trying to say.

utterance: Oh, wonderful. Congratulations.

utterance: Thank you so much. I mean it hasn't gone through yet but you know that's that's why I'm calling you. Hopefully it will.

utterance: Fantastic. Well I would love to help you today Ms. Kim.

utterance: Sorry.

utterance: I almost called you Ms. Jacobs. I just spoke to a Ms. Jacobs.

utterance: Oh no worries. I imagine you talk to all kinds of people all day long.

utterance: My goodness.

utterance: Can you tell it is the end of the day for me?

utterance: Yes.

utterance: I'm so sorry.

utterance: Oh that's OK. No worries.

utterance: Kim.

utterance: Yes.

utterance: OK.

utterance: I got the right person. Just have to ask you a little bit of information, OK? And we'll get this loan application started for you.

utterance: OK, sure.

utterance: Can you provide me with your last name and your date of birth please?

utterance: sure. my last name is Johns J O H N S.

utterance: So you weren't too awfully far off. It began with a J.

utterance: Oh and my date of birth is April twenty-fourth nineteen seventy-seven.

utterance: What the fu~.

utterance: Oh, thank you so much.

utterance: All right so next thing I need will be your street address please.

utterance: sure. It's forty-nine Holland Drive and that's Philadelphia, Pennsylvania one nine one zero one.

utterance: All right. Thank you so much and can you please provide me with your social security number?

utterance: sure that's one seven three seven three nine five zero two.

utterance: Thank you. What about your driver's license?

utterance: sure. That is K. I know it is K three eight four seven and then it's two five two nine nine two I think. Gimme one second. I'm walking towards my my purse now. Gimme one moment.

utterance: Sure.

utterance: Take your time.

utterance: Oh here we go two two five two nine three so I thought it ended in nine two but it's actually nine three.

utterance: Thank you ma'am. and also what state was the driver's license issued in?

utterance: Pennsylvania.

utterance: K, thank you and I need your PIN number please.

utterance: Sure, it's two four one zero.

utterance: OK and your email address.

utterance: Katie Johns seven seven seven at Gmail dot com.

utterance: Thank you and also your business name.

utterance: sure that's JBS Tanning.

utterance: And are you the sole owner?

utterance: yes I am.

utterance: All right and the business establishment date?

utterance: It's February twenty-second of two thousand.

utterance: And what about your gross annual sales hon?

utterance: the gross annual sales for the past couple years has been six thousand six hundred forty-five thousand. Excuse me.

utterance: No worries. And your tax ID number?

utterance: It's zero zero nine five four zero three three four.

utterance: And let's see here All right, I need your business address.

utterance: sure. It's seven four five Walnut Street and that's also Philadelphia, Pennsylvania one nine one zero one.

utterance: And your mailing street address.

utterance: same thing. I would use my business address for mailing.

utterance: OK.

utterance: Yeah.

utterance: All right. So Ms. Johns bear with me just one moment. Hold on one second.

utterance: Oh, there's no worries.

utterance: I did wanna ask you an additional question once you're done with what you're looking at.

utterance: Sure.

utterance: I did wanna tell you that real estate loans are treated slightly different to the standard loan. because the bank can repossess the real estate if the customer defaults on the payment.

utterance: It is a bit similar to a car loan for the average customer.

utterance: Oh, OK.

utterance: OK and so your reason for purchasing or for applying for the loan is because you are purchasing land from your father-in-law in order to relocate your business to this property. OK. and is there a need for me to let you know about online banking so you can send in your documentation electronically?

utterance: that's actually what my question was gonna be. I was getting ready to ask you. if there was a way for me to do this, all this, online?

utterance: so that I could you know, send in my paperwork easily. and then also I know a friend of mine has an account with you all. they're also business owner and so I was telling, I was letting them know, I would them know some of the information I found out.

utterance: Sure.

utterance: So I was hoping they might be able to just go ahead and do this process online without having to call in.

utterance: Certainly. So what'll you do is go into your business account on Intellibank dot com and you're gonna go over to the left hand side of the screen and click on the hamburger menu. Once the drop-down comes comes up on the screen. You're gonna put click on loan application.

utterance: Once you click on loan application a drop down menu is going to ask please send in your supporting business documentation and we'll get back to you with the results of your application.

utterance: Once you click on that link. It will provide you with a place for you to upload that documentation electronically.

utterance: Oh, OK perfect. That is wonderful to know. I will pass that information along. and I will go out there probably tomorrow during work and upload all my documentation I need to.

utterance: Certainly. And is there anything else that I can help you with today, Ms. Johns?

utterance: No. Sorry about that. I dropped the phone.

utterance: Oh, that's all right. No worries. No worries, no worries, it happens to us all. I drop my phone on my face all the time.

utterance: Sorry for all the clutter.

utterance: Yeah.

utterance: Well thank you so much for your help today Rose. I really appreciate it.

utterance: You are so very welcome Ms. Johns. Hope you have a wonderful rest of your evening and good luck with your new property.

utterance: Thank you too.

utterance: Thank you. Bye bye.

utterance: Bye bye.


utterance: Hi. Good morning. This is Tom in Intellibank. How can I help you today?

utterance: Hey, yeah. What's up Tom? Intellibank. I got a big to-do list today. This is number three. Checking out my finances and I my brother. He's had a really good year financially. and I'm always been competitive with him and I kinda wanna beat him. To tell you the truth, we've had the same kind of income for years but I don't know. I I don't know what to do exactly with this money cuz I look at it and I go, well, should I just buy some sports cars, cuz I hear that's a booming market? Should I invest in some NFTs? and I know you guys don't sell sports cars. I don't think you guys have an NFT. but if I go through Intellibank, I'm like well that's what they do. They do money. What could they do for me? So that's just kind of led me back to you. We're at list number three. And I'm Trying to figure out what to do with my money.

utterance: what do you think?

utterance: Well, I I'd say I believe we have a lot of options. It sounds like you know there's some always some sibling rivalry. And money is a big factor in that. So I totally understand that. My sister's pretty rich and you know can't compete. I'd like to try. So, I keep trying. But what I think would be great for you is if we set you up with an investment specialist.

utterance: Oh. Cool.

utterance: What they can do is they'll go over a wealth management there's all sorts of options. There's term loans, secured loans, there's investments. there's ones that are very practical and there's ones that are a little more high risk but they really you get a lot more benefit, a lot more you know, and essentially, income. Basically this investment specialist will go over your plan. They'll sort of look over the last few years, what your income's been what your spending is can even help you do some budgeting.

utterance: I need that.

utterance: Yeah, that that's definitely always helpful. So We have a couple ways. We have different mediums in which you can have this appointment, and one would be on the phone like we're doing. we have online chat. Which is an option you can do from your phone or from computer. what date would work for you?

utterance: OK I gotta pick a date, pick a date. let's do Friday after next.

utterance: All right. Friday the thirteenth. Sounds like a good. time.

utterance: Hey you know what's crazy?

utterance: You know what's crazy? Is Friday After Next is also a move title. And and Friday the Thirteenth. We are on the same page dude.

utterance: All right. cool. How about All right. We got you Friday the thirteenth. Would you like ? I'm sorry did you say morning or afternoon?

utterance: I'll do I I actually I got have to do ten a.m.. Can I? I'll just lock that, lock that down . Cuz that's the only, only time I have open, ten a.m..

utterance: All right. ten a.m.. So again I'll mention so the different we do it on the phone online chat, you can do it from computer. You can come into a branch. Which would you prefer?

utterance: I would like a phone call.

utterance: OK. Is this the best number to reach you at?

utterance: Yes. So you'll be calling me or they'll be calling.

utterance: Oh you know what? I'm sorry. I'm sorry. I need to get your information. First, what's your name?

utterance: Oh yeah.

utterance: Sorry.

utterance: I Evan Scarsdale.

utterance: All right. Evan. can I get your account number please?

utterance: Yeah. Three five nine eight six six.

utterance: All right. And can I get your pin as well?

utterance: pin is one one one one.

utterance: All right. oh we have a added security now. you were given a few options. Looks like you selected what was your first car? What's the make of your first car?

utterance: Chevy Cavalier.

utterance: Chevy. Right on. OK. So Got your account count pulled up. You know, hold on just a second. It's It's still processing.

utterance: That's all right man.

utterance: let's see All right. Oh okay. I'm back online. Sorry. So I got your appointment confirmed. You're gonna get a text message a reminder for your appointment. Again, that's on Friday the thirteenth. And do you have any other questions?

utterance: That's it.

utterance: OK. So they'll help you out and if you have any questions in advance, you can go log on to your account and send them so that they know what kind of what you're looking at.

utterance: OK. Great, great, great. thank you for your help and I'll look forward to that.

utterance: Gotcha take care. I got a little sidetracked when I heard about your brother, and that, so apologize for kind of doing things a little backwards but.

utterance: That's okay. Thank you. Have a good one.

utterance: You too. Take care.

utterance: Bye.


utterance: Thank you for calling Intellibank, business and commercial division. This is Sam. How may I help you?

utterance: Yeah hey Sam, I'm over this is John Rivers over at three Rivers Bar and Grill.

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

utterance: Ugh, I gotta pay the produce vendor again. I I tell you, I have to send this guy money at least once a week. I do it's just a non stop every week gotta get them tomatoes, you know?

utterance: I hear ya there.

utterance: But however everytime I send him money I get a surcharge and stuff and I just there was a quicker way I could get this so I didn't have to spend so much time one the phone.

utterance: well we do have automatic billing, that might be beneficial to you. it takes the headache out of having to remember when to pay the vendor.

utterance: Oh shoot, that would be even better than just calling it in. How bout we do that instead of what I was gonna do which was I was just gonna have you send over the usual payment but if you can just do an automatic payment that would be even better.

utterance: Yeah, yup I think that would be better and more beneficial for you here. just give me a quick second to pull up my screen to get some information for you.

utterance: OK, can I please get the first and last name?

utterance: Yeah that's John Rivers.

utterance: Date of birth?

utterance: one eighteen of eighty-nine.

utterance: PIN?

utterance: Two five eight oh.

utterance: OK thank. Get I please get the the the business name that your gonna be needing to send the money to?

utterance: Yeah that hold on a second lemme put you on hold real quick so I can make sure I got their correct name.

utterance: OK.

utterance: I know I send them money all the time. Oh, wait no. I got it right here. It's Tom's Tomatoes.

utterance: OK and do you happen to have his last name?

utterance: yeah, that's Morello.

utterance: OK can I please get the street address for him?

utterance: Oh yeah he's over there on thirty-six Second Street North Valencia.

utterance: City? that would be Nuevo California.

utterance: OK thank you. Do you have the ZIP code by chance?

utterance: Yeah that's Five eight zero two one.

utterance: OK and that's here in California?

utterance: Yeah.

utterance: OK thank you. OK. and what account are you wanting to make the funds out of for yourself?

utterance: I think I'll do my savings.

utterance: OK.

utterance: Well you know what actually on second thought how bout we do the checking.

utterance: Checking account.

utterance: Yeah I was gonna do my savings but I think we'll just do the checking.

utterance: OK, let me just get that pulled up here. OK and then do you have the account number for Tom?

utterance: yeah I have his account number it's ninety-nine two seven nine.

utterance: And how bout the routing number?

utterance: yeah it's six zero zero nine three seven eight two six four one one.

utterance: OK thank you. OK and what what is the date that you would like this to pull out on?

utterance: I need it

utterance: Once a week every Friday.

utterance: Once a week every Friday. OK OK so I've got that set up and I've got it set to start this Friday. And it will run until you can to tell us to stop it.

utterance: All right and I can adjust the amount of the payment, right?

utterance: yes sorry, lemme. Yes so our I I totally forgot to ask that I just went off of our default. yes, so there are defaults amount is a hundred dollars. how much were you looking to pay each week?

utterance: if we could do the standard hundred dollars a week, that would be fine.

utterance: OK.

utterance: Yeah you were fine on that.

utterance: OK not a problem. Yeah I was just kinda glancing through your payments to Tom and that looks like that a kind of about what you pay every week. So I kinda thought that might be OK.

utterance: Nope you're good, you're good.

utterance: OK. was there anything else I could help you with today?

utterance: Nope you've been great.

utterance: OK just quick FYI, if you need to make any adjustments to any of the automatic billing you can do so in the mobile banking app.

utterance: All right well that's good to know. You have a wonderful day.

utterance: OK you too. Bye bye.


utterance: Hello, thank you for calling Intellibank. This is Randy, how can I help you today?

utterance: hi Randy, how are you?

utterance: Pretty good. How about yourself?

utterance: Good good, thank you. I'd like some money please. What's so funny?

utterance: That's that's funny. that's what we do here. I I think I'll be able to help you out with that.

utterance: That's.

utterance: That's why I called you.

utterance: That's great, that's great. I'll I I I love the directness. but I don't wanna guide you to where you wanna go exactly. So were you looking into getting a loan maybe?

utterance: yeah I am yeah.

utterance: Oh yeah well we do several types of loans here and we'll try to find the one that that be- best suits you. so was there. Like, we have secure loan, term loan, small business.

utterance: What. I think maybe a term loan. What is that again?

utterance: Term loan is it's a little hard to descri-. Like I don't take out loans myself. I just issue them but term loan may be the right fit for you because the term loan is basically a a monetary loan that is repaid in regular payments over a set period of time. It kinda gives you like if people are motivated by like to-do lists and whatnot.

utterance: Oh yeah. Sure. Yeah that's me.

utterance: Sound good?

utterance: OK.

utterance: Great. Great. Great.

utterance: That's me in a.

utterance: Nutshell.

utterance: Wow, glad glad I was able to co- come close on that at least.

utterance: Yeah.

utterance: This.

utterance: Will get approved today?

utterance: It'll be an application then we'll find out in three to five business days, OK?

utterance: OK.

utterance: But I'll take you through the process.

utterance: OK.

utterance: First and last name please.

utterance: Yes George Karras. K A R R A S.

utterance: George Karras. Your address?

utterance: yes two one two Woodedge Circle Columbus Ohio four three two one four.

utterance: All right. Social Security number.

utterance: Social Security number is eight one two two six one one two one.

utterance: State-issued ID number.

utterance: It's Ohio and it's five six eight one one three.

utterance: PIN number?

utterance: The PIN number for my bank account number?

utterance: Is that what you mean?

utterance: I.

utterance: Oh yeah yeah I'm sorry. So what PIN would you like to set up for the term loan?

utterance: Oh I see. Three two three five.

utterance: Three two three five. What about email address you wanna associate with the loan?

utterance: yes dungeon master for hire at Gmail dot com.

utterance: Dungeon master for hire. Is the for number four or F O R?

utterance: F O R.

utterance: F O R. Great so what's the name of your business sir?

utterance: I wanna be a dungeon master. So it's just ultimate dungeon master at yeah. People gonna hire for me for parties and whatnot.

utterance: That's amazing.

utterance: Yeah. Pretty cool.

utterance: Amazing.

utterance: I'm assuming. Are you the only owner of the business?

utterance: Yes it's just me. I'm the master.

utterance: So what date would this business be established?

utterance: it would be this year hopefully. Twenty twenty-one.

utterance: Can you give me kinda like a I dunno ballpark figure? Like a.

utterance: actually January twenty twenty-two. Let's say that.

utterance: I'll go January first twenty twenty-two. How's that?

utterance: Great.

utterance: Great. gross annual sales?

utterance: well I don't know yet but I've I've already got three games lined up. So it's a thousand dollars each game so hopefully I can do ten you know or a hundred a year. So it'd be a hundred grand.

utterance: I'll put that down as the estimate and I'll factor into the loan. Tax ID number?

utterance: Yeah.

utterance: yes you ready?

utterance: Yes sir.

utterance: Four zero three zero one six six.

utterance: All right, address the same?

utterance: Yes.

utterance: Mailing address the same?

utterance: Mhm.

utterance: Amount you're seeking?

utterance: Ten grand.

utterance: And the term of the loan.

utterance: the term would be three years.

utterance: All right ten thousand dollars three years. That pro- loan process has gone through the application. You'll receive a status update in three to five business days by email. let's get that Or was there something else you needed or?

utterance: no that should do it. Thank you.

utterance: OK.

utterance: Oh I had one more thing actually I'm so sorry.

utterance: Yes.

utterance: I need to add my wife to the account. She's.

utterance: Oh, you wanna add?

utterance: A user?

utterance: She's my druid princess so.

utterance: Got it. Got it. Got it. All right so your first last name the same?

utterance: Yeah.

utterance: Date of birth.

utterance: Her's is.

utterance: Dixie.

utterance: What's your date of birth?

utterance: Eleven eleven nineteen eighty.

utterance: PIN number?

utterance: PIN number is three three two three.

utterance: Account number you're adding her to?

utterance: eight five six eight seven two five.

utterance: You said her name's Dixie?

utterance: Yes.

utterance: Her last name?

utterance: Perkinson.

utterance: Her address same?

utterance: Yes.

utterance: Social Security number?

utterance: Three two five one eight nine nine two.

utterance: Her state-issued ID number?

utterance: it's California. One five eight six five.

utterance: Her email address?

utterance: Dixie druid at Gmail dot com.

utterance: Date of birth?

utterance: ten eleven sixty-five.

utterance: PIN number.

utterance: Three two five eight.

utterance: All right I've successfully added her to the account as well and you are ready to go. Anything else I can help you with?

utterance: No that'll be it.

utterance: All right thank you so much and thank you for choosing Intellibank.

utterance: Uh-huh.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. My name is Jill and I will be assisting you on this call today. May I ask how I can help you?

utterance: Hi well first off I'd like to check my available balance that I have on my on my cards.

utterance: OK not a problem. Be happy to do that for you. Let me just start with some basic info so I can pull up your account. May I have your first and last name?

utterance: Thank you.

utterance: Yeah it's Michael M I C H A E L Copeland C O P E L A N D.

utterance: OK great. All right I'm just putting that in there.

utterance: Thank you.

utterance: Mhm. All right and may I please have your four digit PIN number?

utterance: Sure thing. It's five six three two.

utterance: Five six three two?

utterance: OK very good. And just for verification purposes your date of birth.

utterance: Sure thing, it's February fifth nineteen ninety-four.

utterance: And a good year that was. OK very good. OK so I did see here that you have your business gold card with us. Let me check here the available balance. OK coz Your available credit overall is ten thousand dollars. you're carrying a balance right now of two thousand dollars, so you have eight thousand dollars available.

utterance: Yeah.

utterance: OK great and yeah because always I can increase that pretty quickly right?

utterance: And.

utterance: Yeah you can you can put in a request for an increase at least once every six months.

utterance: All right.

utterance: and this is the card that does not have any annual service fees. And you can also accumulate points on here. Would you like me to check your points while I have that open?

utterance: Mhm sure. Why not.

utterance: OK.

utterance: Great. And you can use the points. You can have those the dollar amount deposited into one of your checking or your savings. Or you can even spend it on Amazon.

utterance: OK I appreciate it.

utterance: Certainly. And you have accumulated two hundred points which is equal to twenty dollars. You get one dollar per point.

utterance: One dollar per point OK huh. Right. And there's another thing I was looking at. So I got in something in the mail talking about FAQ mandatory business documents? Is that what it's called?

utterance: Mhm.

utterance: OK yes are you looking to apply for one of our loans?

utterance: Yeah I'm thinking about it. I'm just trying to Oh what's the what's the name of that thing.

utterance: what well you're talking about required business documents? OK yeah like under like frequently request yeah.

utterance: Yes yes. OK.

utterance: Yes

utterance: What type of forms do I need in order to possibly apply for that?

utterance: OK are we looking to apply for a real estate loan or a secured loan for your business. OK let me look that up for you. coz each loan can have slightly different documents. OK always we will be asking for a copy of a driver's license and a tax ID number.

utterance: Oh I'm Looking for a secured loan for my business.

utterance: Gotcha. OK.

utterance: Yes.

utterance: Now which one's the easier to get if you don't mind me asking? Like if I'm also looking to a personal loan.

utterance: Are you looking to purchasing property or for your direct business?

utterance: I am trying to weigh some options.

utterance: OK well if you're looking to. The FDA loans are generally easier to get than a secured loan because it is backed by the government. the interest rates are lower. Basically the pandemic has created opportunity. so the interest rates are lower. For example they can run your loan can run for ten years at if you're approved at a two percent interest rate that two percent will stay fixed for the entire loan.

utterance: Nice.

utterance: Thank you. I'm

utterance: Sorry this was my own personal thing. but yeah I think I'm just gonna stick with the business loan for now.

utterance: No.

utterance: OK well either way then again it can vary based on the loan but you will also be required to provide a business license. Two years of tax returns both personal and business. two years of financial statements. And that that information can be emailed. They can be faxed if you're still using a fax machine. And we also have a portal on our website where you can upload those pictures digitally.

utterance: Yeah.

utterance: OK.

utterance: Mhm.

utterance: OK.

utterance: OK?

utterance: OK.


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

utterance: Hi I was you know driving my car in traffic down Wilshire as I usually do and I just had this like random thought like oh when was the last time I paid off my car loan. yeah so I I guess I heard like you know friends of friends who use this bank told me that you guys just rolled out a new feature that's like I think they said it was like automatic payments for the car loan.

utterance: yeah we can set up automatic payments for you. That's not a problem.

utterance: to start we need to pull up your account. And to do that I am going to need your full first and last name as it appears on your Intellibank account.

utterance: It's Laurie. L A U R I E Swanson.

utterance: All right and your date of birth?

utterance: What do you need that for?

utterance: it's a security question that allows us to access your account.

utterance: OK I'm just I'm pretty paranoid about you know giving away information.

utterance: Is there like any other way?

utterance: Unfortunately there is not. I have four security questions that have to be asked in order to access anyone's account.

utterance: OK it's September eighth nineteen ninety-two.

utterance: All right. And what is your twelve digit account number?

utterance: sorry I'm like looking it up right now. OK I think I think it's one five seven eight two three three one four four four eight five.

utterance: All right and your four digit PIN.

utterance: It should be one two three four.

utterance: All right. Give me just a moment here while I pull this up.

utterance: Is there any way to change my PIN?

utterance: sure would you like to change your PIN?

utterance: Yeah can we do it right now?

utterance: sure so to do that I'm gonna need to ask your three on file security questions.

utterance: Starting with what was your first pet's name?

utterance: Johnson.

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

utterance: Also Johnson coincidentally.

utterance: And your mother's maiden name.

utterance: Sanchez.

utterance: All right.

utterance: So what I'm gonna need you to do is pick up your phone and enter your current four digit PIN.

utterance: All right. And now I need you to enter what you would like for your new four digit PIN.

utterance: And now I need you to enter that a second time.

utterance: OK your PIN has been changed.

utterance: Let's go ahead and move forward with setting up automatic loan payments.

utterance: So to do that I'm going to need the twelve digit account number that those payments will be debited out of.

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

utterance: All right.

utterance: And what is your nine digit routing number?

utterance: One zero zero zero five four six eight.

utterance: All right.

utterance: And what date of each month would you like that payment to process?

utterance: what day is it today?

utterance: the eighth.

utterance: Let's do the fifteenth.

utterance: OK. And how much would you like debited every month?

utterance: Three hundred twenty-seven and fifty-four cents.

utterance: OK.

utterance: Hold on just a moment here while this processes.

utterance: So like actually never mind I think I answered it for myself.

utterance: OK.

utterance: All right this payment has been set up successfully. Is there anything else I can help you with today?

utterance: No.

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


utterance: Hi, thank you for calling Intellibank. My name is Linda and how may I assist you today?

utterance: Hey Linda, how are you doing today?

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

utterance: Well, honestly Linda, I am pretty upset and this has kinda been building up over the last few God, probably about the last year but I've been extremely patient I have a wealth management account with you, for my company and when I opened this, the way or the way everything was explained to me I should I believe I should have had a much higher return than what than what I have had. So, I've decided to go a different direction and use a different investment firm to see if they can actually do their job like I thought you guys would and obviously haven't.

utterance: Well, ma'am, I'm so sorry to hear that, but I do understand your frustration about the situation. now, are you wanting to go ahead and close out your account with us?

utterance: yes. Obviously, yeah, and I already have the new account and everything set up. So, I mean what do I have to do, do I actually have to go down to the branch? To withdraw the money and take it all the way down to the new investment firm and deposit it, or how does that work?

utterance: Well ma'am, the way we can do this is go ahead and close down this account and any residual balance that you have in your account I can just go ahead and transfer it over to your new account.

utterance: OK, yeah yeah let's go ahead and do that. what do I need to do?

utterance: All right, let me get some information from you so I can go ahead and pull up that account, OK?

utterance: yeah what do you need?

utterance: May I have your full name please?

utterance: Yeah, this is Frances. F R A N C E S. My last name is Holloway. H O L L O W A Y.

utterance: Thank you Ms. Holloway. I have your last name spelled H O L L O W A Y, was that correct?

utterance: Yeah, that's correct.

utterance: Thank you, and may I have your date of birth please.

utterance: yeah it's February the sixth, nineteen eighty-four.

utterance: Thank you. I have February the sixth, nineteen eighty-four, and may I have your pin number please?

utterance: yeah the PIN number crap it's nine seventy-two three oh two four ninety-seven.

utterance: Thank you Ms. Holloway. I have your pin number as nine seven two three zero two four nine seven.

utterance: Yes, ma'am. That is correct.

utterance: Thank you and may I have the account number of your wealth management account that you would like to close today?

utterance: Yeah, that account number's two eighty-five double zero five two zero six two.

utterance: Thank you. So that was two eight five zero zero five two zero six two?

utterance: Yep.

utterance: Thank you and the reason that you're closing this account today is you were expecting a higher return in your investment account and your switching firms. Was that correct?

utterance: That's what I said isn't it?

utterance: Yes, ma'am I do apologize, that is something we're required to ask.

utterance: OK. Yeah, I understand. I know it's not your fault. It's just of I'm extremely frustrated. I guess you could tell that though, but I'm sorry I'm taking it out on you, aren't I?

utterance: That's quite all right ma'am and again I do completely understand your frustration. I'm more than happy to do anything whatsoever I can to help you out today.

utterance: OK, well thank you Linda, I I appreciate you. It's just the whole situation

utterance: Again, I completely understand Ms. Holloway. Now, the account number that we're going to be moving your residual balance into that's also wealth management account?

utterance: Yep, it sure is.

utterance: OK, and I do see that you have a residual account, I'm sorry, a residual balance of six hundred fifteen thousand four hundred eighty-six dollars and fifteen cents.

utterance: Yes, ma'am that's how much we have. It should be a lot more but that's what we have.

utterance: All right ma'am. may I have the routing number for the investment firm where you're going to be depositing these funds into?

utterance: yeah that routing number is four thirty-seven two sixteen nine oh three.

utterance: OK, Ms. Holloway that was four three seven two one six nine zero three?

utterance: Yes, ma'am, Linda, it sure is.

utterance: Thank you, and may I have your new account number, please?

utterance: Yep, it's zero fifty-one seven eighteen ninety-six oh two.

utterance: Thank you, that's zero five one seven one eight nine six zero two.

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

utterance: Thank you Ms. Holloway. Just one moment while I get this processed for ya.

utterance: OK, thank you!

utterance: Ms. Holloway, I do have that processed for ya. I have your residual balance of six hundred fifteen thousand four hundred eighty-six dollars and fifteen cents deposited into your new account. Ending in nine six zero two. And I do have your account number ending in two zero six two closed. Was there anything else I could assist you with today?

utterance: No, that is all. Thank you for your help, Linda, and again I'm sorry if I took it out on you, but again it's it's I'm just extremely disappointed and frustrated.

utterance: Ms. Holloway that's no problem and I'm sorry that we couldn't help you out more than being what you were expecting. but if there's anything else we can do in the future just be sure and give us a call back, OK?

utterance: Well, I doubt I'll be doing that, but I do appreciate your help, Linda.

utterance: thank you Ms. Holloway and thank you for calling Intellibank and you have a wonderful day.


utterance: Hello thank you for calling Intellibank, this is Roger how can I help you today?

utterance: Hey Roger I am calling to get a quick liquidity ratio.

utterance: Oh a quick liquidity ratio yes that's something I can pull up for you.

utterance: Great.

utterance: who am I speaking with?

utterance: my name is Jack last name is Jen.

utterance: Jack Jen all right. And I need your date of birth and your PIN number.

utterance: OK sure date of birth is three four ninety PIN number one two three four five.

utterance: OK also on this ratio what period are you looking to cover? We can look it up for you by quarter, by year.

utterance: how about let's go with year why not.

utterance: OK look it up for the last year. Processing that information now getting your quick liquidity ratio.

utterance: It'll just take a couple of minutes.

utterance: No problem.

utterance: You know I got to say in the past I've really found your your service to be really poor when I've called everytime I've called I've had minimum of of fifty minute wait time I think that's just ridiculous and I would like to file a formal complaint I don't know if you're able to do that for me?

utterance: I I'm sorry to hear that I know we try to get to as many calls as possible I have a possible solution I can give you, but if you are looking to file a formal complaint I can also help you with that as well at the end of this call.

utterance: OK.

utterance: I can forward you to our call center complaints department.

utterance: Mhm.

utterance: But right now what I can tell you just to avoid that in the future we do have an online banking app and in that app there is a call feature.

utterance: Within that call feature it actually advances you to the front of the line So you will have a much shorter wait time than somebody who would go ahead and call the eight eight eight number on their own.

utterance: Hmm.

utterance: do you have the app downloaded downloaded already?

utterance: No I don't I should probably get that app.

utterance: Yes if you do that you know hopefully that'll save you a bit of time and not to mention there are so many other features on that app that makes your account accessible twenty-four hours a day, seven days a week.

utterance: And you know you can use that money to even app to pay somebody with if you're looking to do that.

utterance: Huh you know what I actually think I want to download that app right now. Can I on a brief hold while I go download that.

utterance: Yeah go ahead. Go right ahead.

utterance: All right great thanks.

utterance: Mhm.

utterance: Did you get that app?

utterance: Download are you there?

utterance: You know what it's just taking a minute to load but I think I got it now yeah.

utterance: OK great cuz I have that ratio ready for you.

utterance: Oh perfect.

utterance: Go ahead and give that to me.

utterance: It is point four five.

utterance: Point four five OK good to now.

utterance: You got it. And I know you did say the beginning of the call you wanted to file a formal complaint I can still process that for you if you'd like, would you like to that?

utterance: You know what forget about it I don't need to do that.

utterance: OK well thank you I appreciate that hopefully my service has helped you you know gain more confidence in our Intellibank services and I would appreciate in the future if you let them know if you receive a brief survey that I've given you service that you are happy with.

utterance: Sure will thank you.

utterance: OK thank you for calling.

utterance: Bye.

utterance: Bye bye.


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

utterance: Hey Lily. How you doing today?

utterance: Pretty good. How are you doing?

utterance: I'm doing pretty good. Doing good.

utterance: Great.

utterance: No complaints and I don't think anybody would really care if I complained anyway.

utterance: I hear you.

utterance: So all right. So I I wanted to get a little information. I'm not sure how to go about this. I I was figuring that you'd probably well you or or the bank would be able to help me to figure out looking to figure out the debt to income ratio for this quarter actually.

utterance: OK. So obviously you are a customer with our bank?

utterance: I am yeah.

utterance: OK. So I'm just gonna ask you a couple questions. And I can totally help you with that.

utterance: OK.

utterance: OK. What's your first and last name?

utterance: my name is Bill Costello.

utterance: OK.

utterance: OK.

utterance: And that's C O S T E L L O.

utterance: OK.

utterance: Mhm.

utterance: OK. And what is your date of birth?

utterance: It's February twentieth nineteen seventy-five.

utterance: OK. And.

utterance: Closing.

utterance: In on that big five oh. slowly but surely. Closing in on it.

utterance: Oh.

utterance: Kicking and screaming.

utterance: Well isn't fifty the new thirty nowadays?

utterance: I I've heard that rumor. when I get there maybe I'll call you back and fill you in.

utterance: Oh OK. I'll that'll be awesome. What is your PIN number?

utterance: the PIN is two zero seven five.

utterance: OK. OK Mr. Costello. And what time period were you looking for?

utterance: for this quarter please.

utterance: For this quarter.

utterance: Yeah.

utterance: And you want the debt to income ratio?

utterance: Yes.

utterance: OK. OK. So yours is fifteen percent.

utterance: OK.

utterance: Which is pretty good. I don't know if you know this but the debt to income ratio is the value of the company's monthly debt payments.

utterance: OK.

utterance: Divided by it's gross monthly income.

utterance: OK. I think I got you.

utterance: OK. So also if you wanted to you could do you can go and like find this this information yourself periodically when you want to. You don't have to give us a call.

utterance: OK.

utterance: There's an easy method. would you be interested in that?

utterance: Yeah. Yeah that that would be very helpful. I guess I would be able to check that at any time.

utterance: OK.

utterance: Yes absolutely. So I don't know if you wanna write this down. Or put it in your notes on your phone or something. But it's my financial goals dot org is the website. So you can go on and it's they'll take you step by step through it. And it you'll get all kinds of different information. It's a really great site. We let all of our customers know about that.

utterance: OK.

utterance: Nowdo I need to like sign up for an account on there or?

utterance: Si~

utterance: Yeah but it's free. And they'll send you all kinds of really interesting things about small business. And it's it's a great great little website. It's a great tool to have. And like I said it is free so.

utterance: OK.

utterance: Yeah that sounds like it would be a a tremendous help. And I'm guessing this way I can just you know do that to keep on this. not just for this quarter but you know throughout the year for each quarter. And I I'm guessing like I guess I should probably even really do that with your bank as well. Get into the whole online banking thing.

utterance: Mhm.

utterance: Right. You should definitely. I mean if you want I can totally help you with that. If you happen to have your account number on you I can I can go into you know take a look deeper into your accounts.

utterance: yeah. Yeah let's do that.

utterance: OK.

utterance: OK. Whenever you're ready I'll take the account number.

utterance: All right my account number is zero seven.

utterance: Mhm.

utterance: Mhm.

utterance: Three one.

utterance: OK.

utterance: Four two.

utterance: OK.

utterance: Six eight three.

utterance: OK.

utterance: And I guess you do you need my address or anything or?

utterance: no. I think that's OK.

utterance: Are you sure? Or I guess well you got the birth date. Any phone number you need or?

utterance: Mhm.

utterance: No I'm good. I'm good. This is perfect. I'm just gonna repeat the number back to you just to make sure.

utterance: OK.

utterance: Zero seven three one four two.

utterance: Mhm.

utterance: OK.

utterance: Six eight three.

utterance: Correct.

utterance: OK. Perfect. All right. So yeah. I think that I would love to send you over the link to set up your online banking.

utterance: OK.

utterance: OK. what is your email?

utterance: The email is B Costello nineteen seventy-five.

utterance: OK.

utterance: Mhm.

utterance: That's at Gmail dot com.

utterance: OK is that a a lower case B or a capital B?

utterance: A.

utterance: Capital B.

utterance: OK. All right. So I'm sending you over just sent over actually the link. It'll walk you through step by step to set up set up your online banking.

utterance: OK.

utterance: And also I noticed that you don't have any of our Intellibank business cards. Like our platinum card our silver card gold card. Do do you know anything about?

utterance: I actually I don't.

utterance: May I send you some information about that because there's so many perks to our Intellibank business cards for small businesses.

utterance: OK.

utterance: you get cashback. On the platinum one you get two percent cashback on all purchases. Which is such a neat way to help your business cuz that's what we focus on. That's our main thing here at at Intellibank. So with your permission I'm gonna send you over all that info as well.

utterance: Yeah that be great. Thank you.

utterance: OK great. And did you want a card, just a regular card, for your online banking? Do you want me to set that up for you or what are you thinking?

utterance: No. That's that's fine for now.

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

utterance: No I I think that's everything. You've been a tremendous help and thank you for helping me and directing me in the direction to help me do these things.

utterance: Oh you're so welcome. We're here any time. Our customer service line is open until eight p.m. Eastern time if you ever need to give us a call back.

utterance: Thank you so much.

utterance: Have a great day.

utterance: You too.

utterance: Bye bye.


utterance: Hi thank you for calling Intellibank. My name is Pamela and I'm happy to assist you on this call today. Who do I have the pleasure of speaking to?

utterance: I was driving down the four oh five and I saw on one of the billboards. I think it was by the True Car building or maybe it was a little further down by LAX but I saw a billboard that was talking about What's your banks name? That you guys had SBA five oh four loans.

utterance: Yes Intellibank is offering SBA loans. and the five oh four is one of the loans that we are currently offering, that is correct.

utterance: Intellibank. All right.

utterance: Right, so I'm wanting to expand the, the properties that my company holds so that we could do more business in different areas. I was wondering if you could help me with the process either getting qualified or the entire application process. Whatever it is that you do.

utterance: So you Sure so basically what you're saying is you'd like to apply and you'd like my assistance with that?

utterance: To get that started.

utterance: Oh you can do it?

utterance: Yes I can, I can do it right here over the phone.

utterance: OK.

utterance: Yes, let's do that. That'd be great.

utterance: It's actually.

utterance: Pretty painless, it takes under five minutes.

utterance: Well I don't know about painless, but yeah. When money's involved. But I get what you're saying.

utterance: I I hear you. Let me start with your name please.

utterance: My name is William Robinson.

utterance: OK.

utterance: Will Rob.

utterance: Alrighty. And just your four digit PIN number so I can pull up your account information.

utterance: Six zero nine five.

utterance: Six zero nine five. OK great. Alright so the first thing I will need is your home address.

utterance: OK. My address is six one eight nine, Elm Street, Los Angeles, California. Nine zero eight zero two.

utterance: Great and what is your social security number please?

utterance: Social security number. We're getting personal now. OK. It is.

utterance: As soon I.

utterance: Put it in, it'll disappear. Your information definitely stays confidential.

utterance: OK. And if it doesn't, you know I know that it was you. That did it.

utterance: That's right.

utterance: You can come right back and talk to me.

utterance: So five two Five two seven.

utterance: Five two seven.

utterance: Eight nine three.

utterance: Eight nine three.

utterance: Four five two seven.

utterance: Four five two seven. OK great Mr. Robinson. Next thing I'll need will be your drivers license and the state where it was issued.

utterance: Five eight zero.

utterance: Five eight zero.

utterance: Six nine eight three one one nine.

utterance: Great. and Mr. Robinson which email address would you like to use?

utterance: We're gonna use Will Rob.

utterance: Will Rob?

utterance: Will Rob at Gmail dot com.

utterance: At Gmail dot com. OK and sir are you the sole owner of your business?

utterance: Yes, it is up to me, Mr. Robinson.

utterance: OK. And what year was your business established.

utterance: It was established two thousand and one.

utterance: Two thousand and one. Oh congratulations you've had that business a long time.

utterance: We have.

utterance: And what would you say your gross annual sales were for last year?

utterance: Well last year it was pretty gross It wasn't nice at all. But we're getting better. A hundred and seventy-five thousand is where we were last year.

utterance: OK, yeah that's true for a lot of people but that goodness you're still here. Alrighty and what is your tax ID number?

utterance: Tax ID. I have that here somewhere. Hang on a second, let me OK.

utterance: Sure, take your time.

utterance: All right. OK.

utterance: Tax ID is

utterance: Six two six.

utterance: Mhm.

utterance: Three two three. Eight one eight one.

utterance: Eight one eight one. Perfect. All right the next thing I'll need, Mr. Robinson, is the address where your business is currently located.

utterance: It is currently located at five two nine three, Maple Drive,

utterance: Los Angeles, nine zero zero zero eight.

utterance: OK great and we ask the purpose of the loan but it sounds like you were telling me that you want to expand your physical location?

utterance: Yeah we want more locations and we've got a couple that we have our eye on so.

utterance: Great, and what is the amount for the loan that you'd like to apply for?

utterance: None hundred and seventy-five thousand.

utterance: One seventy five thousand. OK. Very good and upon approval you will be required to put a down payment of between five to twenty percent What What amount would you like to choose?

utterance: For ten years term.

utterance: Twenty percent.

utterance: Twenty percent, great. And if you are approved we can have this money distributed directly into your total checking account. I have finalized your application and sent you an email with a confirmation and you will hear back from us within seven to ten days to let you know about the loan.

utterance: Oh awesome.

utterance: That's all there is to it. You're all se there.

utterance: Great.

utterance: Is there anything else I can do for you, Mr. Robinson?

utterance: No that's it.

utterance: Well thank you so much for being a valued Intellibank customer and have a great day.

utterance: Thank you, you too.


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

utterance: Yes so I'm trying to find out where the consumer price index is.

utterance: Okay I can do that for you. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: You can just call me Jill, please.

utterance: All right Jill. So you're wanting to check the consumer price index, is that correct?

utterance: Yes I. That's right. So basically, I sell medical supplies and my sister. She has an organic restaurant. So we've kind of been arguing about which one has the highest CPI. So basically I need to just squash the debate for us, if you know what I mean.

utterance: All right. I can help you with that. real quick here Jill, do you currently have an Intellibank account?

utterance: I do, I've had one for years.

utterance: Okay. And do you own a business?

utterance: Yes, I do.

utterance: Okay and you said that your business sells medical supplies, is that correct?

utterance: Yes so I own Johnson Controls and we sell medical supplies. That's that's what we do for a living.

utterance: Okay. And you were also wanting that for the food and beverage for your sister as well?

utterance: So if you can. I mean, she doesn't have an account. So if you're able to run that, I appreciate it.

utterance: Okay. Jill, so what periods are you wanting to get that price index for?

utterance: You can just give it to me for twenty twenty if possible.

utterance: Yeah. Gimme just a minute, okay? So I'm gonna do this research for you, okay? Give me just a second, all right? Okay.

utterance: So for the. The first one I'm gonna do is the medical supplies one.

utterance: And it looks like. So right now for twenty twenty the cost of consumer goods sold for medical supplies is around twenty-four percent. And then let me check on that food and beverage one for you too here.

utterance: Okay. And so for the food and beverage, it looks like the cost of consumer goods sold for food and beverage is around fifty-eight percent. So while food and beverage is higher than this. Than the. You know, it's higher than the medical supplies one is. And food and beverage always is. but actually it's been one of the highest averages since nineteen ninety-eight for medical supplies and that surge is likely a result of the pandemic and the influx of the medical need that that having the pandemic has caused. But I mean, since nineteen ninety-eight, this is the highest that it's been. So it's. I mean it's significantly higher than it's been in the past for the medical supplies.

utterance: Yes I. That's what I was thinking. I knew that food and beverage was always high but I was really thinking that medical supplies. They went up quite a bit. I was also agreeing with the covid stuff.

utterance: Yeah. Medical is just actually surpassed transportation and that and that doesn't happen very often either on those consumer indexes. So I mean it's it's been kind of a substantial year for for the medical. I mean, it's always. even prior to covid, obviously medical had a a. You know has a very huge part in people's daily lives. But the covid really amped up I think the the sale on medical supplies.

utterance: Okay. So I really have some other questions if you don't mind. So I didn't want to hassle you with a bunch of questions but we've been arguing about it so I just really wanted to try to win the argument. I didn't really win it because it's lower, but you know what I mean.

utterance: Yeah. I I totally understand. now that I answered your question was there anything else that I could do for you?

utterance: no. Again it's just about winning that that argument with her and I don't know that I satisfied her by telling her that. But I'm going to share this information with her, I appreciate you looking it up.

utterance: No problem at all, Jill. So anytime you like to find out the CPI for anything, you can also find that information on the US Bureau of Labor and Statistics website. They break down each good in each period and they give you a pretty detailed explanation to the current index. so you. Anytime you need to look up anything you can always do it there or you can always reach back out to us at Intellibank anytime you need assistance as well. We're always here for our customers.

utterance: Okay, so you said that's the Department of Labor website that I can look it up on?

utterance: No, it's actually the Bureau. the US Bureau of Labor and Statistics. I can give you their website if you have a pen.

utterance: Okay. I do, go ahead.

utterance: Okay so their website is WWW dot B dot I dot S dot gov. So it's WWW dot BIS dot gov. and and I mean basically once you go to their website, it kind of gives you a breakdown literally on the top of the page. And you'll just select to run CP. The CPI report on the top and it'll it'll give you a break down. Have you choose what items you sell in order to kinda condense that.

utterance: Okay thank you. I appreciate that information. I didn't realize it was it was that readily available.

utterance: No problem, Jill. anything else that we can do to help you today?

utterance: I don't think so. I think that's everything. So you've given me the website. and I would definitely check it out next time so I don't have to call you. I apologize I I bothered you with it. it was just something we kind of wanted to. You know, to be able to discuss, so I appreciate it.

utterance: No, that's no problem Jill. anytime you need anything from Intellibank, please just give us a call. We appreciate it. you have a great day Jill, okay?

utterance: Thank you, you as well.


utterance: Thank you for calling Intellibank. This is Stephen, how can I help you?

utterance: Yes, I have a Business Platinum credit card account, and I would like to add get a new card.

utterance: All right. I can certainly do that for you. may I have your name, please?

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

utterance: And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: Thank you, and then can I have your PIN number and the account number for this account?

utterance: One zero six two and instead of getting a new card, well I need a new card, but I need to add a new user to that card account also.

utterance: OK, yes, we can certainly help you with that. what is the account number that you were looking for?

utterance: the account number, the card number is two six six nine four zero seven seven three five six five, one zero nine three.

utterance: OK, and do you have the actual number for the account itself?

utterance: OK, the account is seven three zero, six nine five, six eight two nine.

utterance: All right, that's seven three zero, six nine five, six eight two nine, correct?

utterance: That's correct.

utterance: All right Mr. Thomas, thank you, and you're needing to add a new user onto the card?

utterance: Yes.

utterance: OK and may I have the first and last name of that new user?

utterance: Crystal West, C R Y S T A L W E S T.

utterance: All right, thank you, and what is Ms. West's social security number?

utterance: Eight seven zero nine three, eight two seven eight.

utterance: All right, let me read that back for you. That's eight seven zero nine three eight two seven eight, correct?

utterance: That's correct.

utterance: All right, thank you. And what limit would you like to have on this card?

utterance: two thousand dollars.

utterance: All right, thank you. And then where do I need to have this card sent to?

utterance: Seventy-six Sunbeam Drive, Canyon Country, California. Nine one three eight seven.

utterance: All right, that's Seventy-six sunbeam drive Canyon Country, California, nine one three eight seven, correct?

utterance: That's correct.

utterance: All right, thank you. And then We need to go ahead and set up a PIN number for Ms. West. For future identity verification.

utterance: OK.

utterance: All right, so what four digit number would you like to use as her PIN number?

utterance: Four five eight one.

utterance: All right, that's four five eight one, correct?

utterance: That's correct.

utterance: All right, and then what is Ms. West's birth date?

utterance: Oh six one five nineteen eighty-nine.

utterance: All right, I have got that set up. And I have got that new card on its way to Ms. West. And that new card should arrive to her in three to five days.

utterance: All right, that sounds good.

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

utterance: Can you, can you tell me the interest rate on that card?

utterance: yes, let me pull up the details of that account, one moment.

utterance: Is your day going pretty good so far?

utterance: yes sir, my day's doing quite well so far, how's your's been?

utterance: Oh not too bad.

utterance: Well that's wonderful. OK, yes, I see here that the interest rate on that credit card is fourteen point two five percent annually.

utterance: OK, thank you.

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

utterance: I can't think of anything.

utterance: All right Mr. Thomas, well thank you for choosing Intellibank, and I do hope that you have a wonderful afternoon.

utterance: All right, thank you.

utterance: Thank you, goodbye.

utterance: Bye bye.


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

utterance: I'd like to change my PIN number.

utterance: Happy to help help you with that sir and who do I have the pleasure of speaking with today then?

utterance: Benjamin Freeman.

utterance: OK and your name is Mr. Benjamin Freeman.

utterance: Yes, that is correct.

utterance: And what's the name of the business that you have with us Mr. Freeman?

utterance: it's Ray's Construction Company.

utterance: All right, Ray's Construction. Yes sir.

utterance: I think I was able to get this pulled up and just for security purposes and because we take account security and your account security very seriously here, I just need to ask a few questions Mr. Freeman, what is your date of birth?

utterance: Mm.

utterance: My date of birth, three, twenty-six, seventy.

utterance: All right and if I could ask, what is the phone number on your account?

utterance: Phone number on my account is seven seven oh two two zero five eight five nine.

utterance: Terrific, terrific. Just a few more questions here and you said that you wanted to change the pin number Mr. Freeman. If I could just ask, are you calling about your. which account are you calling

utterance: complete account.

utterance: OK, yes sir. I think I have this here for your business total account. we can of course just need to verify what the account number is for your business total account. Do you have that?

utterance: hang on let me look.

utterance: Terrific.

utterance: OK, I got you, that number, that number is nine eight four six five nine.

utterance: OK, that number is nine eight four six five nine.

utterance: That's correct.

utterance: Awesome, awesome, yes sir.

utterance: Mr. Freeman, I was able to get that pulled up for you and now you said you wanted to change your PIN number. If I could ask, what is your current PIN number on your account?

utterance: Current PIN number is seventeen oh four.

utterance: All right and one seven zero four, that is, is that your old PIN number?

utterance: That's the old, that's the old PIN number, yes that's correct.

utterance: Terrific and what did you want to change your PIN number to?

utterance: I was just gonna go seventeen oh nine. One seven zero nine.

utterance: Awesome, awesome. OK. One seven zero nine. Let me get this put into the system here.

utterance: OK and Mr. Freeman it appears I was able to get that updated for you.

utterance: Thank you very much.

utterance: And Mr. Freeman, let me just ask, are you familiar at with our online here at Intellibank?

utterance: No, no I'm not you wanna explain it to me?

utterance: what you of course can do, Mr. Freeman, is simply visit our website. And when you visit our website, if just have that account number that you for your account or for your business total account and you'll be able to create your own username and passwords, very simple, takes less than thirty seconds. Choose your own username and password and from there you can access your account right there online and as you access the account you'd be able to change your PIN number as you've just called in about today. You also have the ability to update your phone number, change your address, also check your balances authorize any direct pay in your account to your employees for payroll. All of that can be managed right there online with us here at Intellibank.

utterance: All right, thank you very much sounds very simple to do. You explain it very well.

utterance: Well and Mr. Freeman, let me just also ask, are you familiar at all with with your the the fact that we do offer loans to your bank, your business I know you are in the construction business and often times you will have a lot of need for capital.

utterance: at the moment, I'm stable right now, so I'm not at this moment right now. The are stable and we OK at the moment.

utterance: Terrific, terrific. Well if you are or stop by one of our branches if you are ever in need of a loan for working capital for your business because we do offer SBA loans with very low interest rates and very attractive terms as far as up to sixty months that can provide capital for your business.

utterance: if that is all, let me just ask, is there anything else Mr. Freeman, that I can assist you with?

utterance: No, you've been very clear. I have got no objection. You've been very clear. Thank you.

utterance: Well, Mr. Freeman, we certainly do appreciate you giving us a call here at Intellibank and hopefully we look forward to talking to you in the very near future.

utterance: Thank you very much, you have a good day.

utterance: You as well.

utterance: Bye bye now.

utterance: Bye 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 needing to find out the exchange rate for Europe. I just went there for a business conference and apparently I forgot to pay something, so I was charged for a hotel expense. And I need to send the money, and just kind of figure it out, what's what the difference is there if I could.

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

utterance: It's Jill Baker.

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

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

utterance: OK, Jill so you're wanting to find the currency exchange for Europe, is that correct?

utterance: Yes, please. That's what I need.

utterance: OK, so Europe uses euros. what is the secondary currency you're trying to find the exchange rate comparison for?

utterance: So it'd be US dollar. So I just need to see what the euros convert to. in the in the US dollar if that makes sense.

utterance: OK, Jill. Are you an Intellibank customer?

utterance: Yes, I am.

utterance: OK, Jill let me get some quick information from you here real quick, so what is your account number Jill?

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

utterance: All right Jill, and what is the name of your business?

utterance: It's Johnson Controls.

utterance: OK, Jill and your date of birth?

utterance: It's March second of nineteen eighty.

utterance: All right Jill, and your account has a four digit PIN number on it. Could you share that PIN number with me as well?

utterance: Yeah, so that should be six four seven eight, I believe.

utterance: OK. So the source currency that you're trading from that's euros.

utterance: Yes, that's right.

utterance: OK, and your destination currency that's gonna be US dollars. Is that correct?

utterance: Yes, that's right.

utterance: OK. I actually think that we might have that backwards. So you're sending the money over to Europe correct to pay for an an outstanding bill. That's what you said correct?

utterance: Yes, did I say that wrong? So then yes, my destination currency I guess would be would actually be Europe, and then my trading currency would be the USD.

utterance: OK. All right, and what is the amount that you are trying to trade?

utterance: So it's three hundred and fifty dollars that I need to pay.

utterance: OK. So let me switch those and get that exchanged right for you, give me just a moment OK?

utterance: Thank you, does Intellibank have a currency trade option on their online banking? Like can I change a currency when sending money to someone through their online banking?

utterance: Yeah, so unfortunately Jill Intellibank doesn't have that capability as of right now. We do not have the option for a currency exchange through online banking at all. But what I can do is I could email you some links to sites that we use here at Intellibank to research the currency exchange rates, and that might help you in the future if you have something to have some resources there. So that you can look up some information if you're trying to convert funds in the future. Would that be helpful?

utterance: Yes, so is that a public site, or is that something that I need to pay for to be able to do that?

utterance: So there are several public sites to check those exchange rate, I'll email you a few options. can I, can I confirm real quick what your email address is Jill?

utterance: Yes, so my email address is J Baker, that's J as in Jill, Baker and it's at Johnson Controls dot com.

utterance: All right Jill. So I've got that currency exchange rate for you, so for the exchange rate, for euros in the amount of three hundred and fifty dollars the currency exchange. I'm sorry for the amount of three hundred and fifty dollars in USD, the currency exchange is three hundred and two point eight zero eight five zero in euros. So it's three hundred and two thousand eighty-five euros.

utterance: OK, I think so we did that right though right? So converting the two for the hotel expense, that's correct right? Do you know, do I just send them the United States dollars, or do I send them USD to them to pay that.

utterance: So that would probably be a policy that the hotel would have to handle with you, I'm not sure how they would prefer that you send that. I guess it would depend on what method you're paying with, are you paying like via credit card? Are you sending money via like a Paypal?

utterance: So I I I don't really know how I'm paying for it yet. I think the plan was I was going to call them back, and we're gonna kind of walk through it, it's possible you just pay with a card over the phone but I just didn't know how that translated if it became euros.

utterance: Yeah, I unfortunately I can't tell you how that bank will process that so you probably have to call them to find that information out.

utterance: OK that that's fine. So you're going to send me the website info then, so I can look it up in the future by myself.

utterance: Yup. Yeah that's correct so I've I've already sent that info to your email there. So you should have all that information via email if you have any questions about it or or if you're not able to figure it out, and you wanna give us a call back here at Intellibank we can run that information for you at anytime. So if you're not able to access the website that I provided you, or you're not able to figure out how to run that information. Just give us a call back, we'll be glad to run it for you.

utterance: OK, thank you. I appreciate it very much.

utterance: No problem at all Jill, you have a good night and thank you for choosing Intellibank.


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

utterance: How you doing, Jerry?

utterance: I I receive something in the mail on my five hundred loan, saying there is a payment due at the end of the month. is that right?

utterance: Certainly. I'll be happy to get that information for you. but first I need to pull up your account. If I could ask, what is your first and last name?

utterance: Benjamin Freeman.

utterance: Hey, Mr. Freeman. What is the name of the business that has an account with us on file?

utterance: Oh, Ray's construction company.

utterance: All right. And Mr. Freeman, I'm gonna ask a few questions in order to verify your account there at Ray's construction company. And this is important to us because we do take your account security very seriously and this is for you and your business's protection. Is it all right Mr. Freeman, if I ask a few questions in order to verify your account?

utterance: yes sir. Ask away.

utterance: Thank you for that, Mr. Freeman. First if I could ask, what is your date of birth?

utterance: Date of birth, three twenty-six nineteen seventy.

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

utterance: I have two addresses, see which one you have on file. One of them is three six eight eight Layman's Court, Smyrna, Georgia three zero zero eight zero.

utterance: The other address is one forty-one Oakwood Avenue Avondale Estates, Georgia three zero zero zero two.

utterance: All right, well, thank you for those addresses their Mr. Freeman. And couple more questions here. If I could ask, what is the account number that you have with us on file?

utterance: hang on just a moment, look it up.

utterance: And this will be for the loan.

utterance: Yes, sir. OK, that, that, that, OK, that, that account number is nine eight four six five nine one nine.

utterance: OK. Thank you for that.

utterance: Mr. Freeman. And what is your PIN number?

utterance: Well, that PIN number is one seven nine five.

utterance: All right. Thank you for that Mr. Freeman.

utterance: And I was able to pull up your SBA five oh four loan account information.

utterance: And yes, the Layman Court address is the address that we have on file.

utterance: Oh, thank you.

utterance: You're welcome there, Mr. Freeman. By the way, how is your day going?

utterance: Oh, it's a good day. I have no complaints, I had this some some vendors that I need to can get it out the way. So I can move on to something else.

utterance: Understood, understood. It's of course.

utterance: You mentioned there and it is correct. That the payment is due at the end of the month for your loan payment. And do you have all of your payment information and how you intend to pay?

utterance: you just mailed it in but I run out of checks.

utterance: Oh, is that right.

utterance: Yes, sir.

utterance: Oh well, I think we can take care of that for you Mr. Freeman. If you'd like, we can go ahead order some checks for you right here on the on the phone, if you'd like.

utterance: Oh, that'll be good.

utterance: Let me ask you, Mr. Freeman. How many checks did you want to order?

utterance: two hundred.

utterance: OK. So you want to place a order for two hundred checks. to be sent to what address, Mr. Freeman?

utterance: Sent it to that three six eight eight Layman's Court, Smyrna, Georgia three zero zero eight zero.

utterance: OK. That's where that will be shipped?

utterance: Yes, sir.

utterance: All right. And Mr. Freeman, to verify that would be three six eight eight Layman Court, Smyrna, Georgia three zero zero?

utterance: Yes, sir.

utterance: Eight oh.

utterance: Eight zero. All right. Terrific, terrific. And Mr. Freeman, let me see if I can get this process in to the into the system, your order request for these checks.

utterance: Yes, sir.

utterance: So that you'll be able to of course utilize those for however you choose, including payments on your SBA loan.

utterance: Yes sir, yes sir. Thank you, thank you for that.

utterance: And, yes sir. it looks like we are able to get that process for you. And we will get that sent out to the three six eight eight Layman Court, Smyrna, Georgia three zero zero eight zero address.

utterance: And it should likely arrive by the end of the week.

utterance: Oh that's good, that'd be real good, thanks. That'd be real good.

utterance: Yeah, I went ahead and make sure that that was expedited simply because I, it appears you probably wanted it to have those in hand by end of the month.

utterance: Yeah.

utterance: Yes, sir. I needed some in the office and didn't have any.

utterance: Well, Mr. Freeman. Is there anything else I can assist you with?

utterance: Oh, that'll be all. .

utterance: Well, terrific, Mr. Freeman. We certainly appreciate your business and you have a great rest of the day. Bye bye.

utterance: Thank you. Bye bye.


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

utterance: How you doing Jerry? I've got something in the mail called about intelligence savings. maybe you can explain to me what what does that mean?

utterance: Absolutely I'll be happy to address that for you, I'll first need to pull up your account. So that I can see exactly what we sent you is that okay if I ask you a few questions?

utterance: Yes sir, proceed sir.

utterance: All right first of all, what is your first and last name?

utterance: Benjamin Freeman.

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

utterance: Ray's Construction Company.

utterance: thank you for that Mr. Freeman.

utterance: Yes sir.

utterance: And I'm going to ask you just a few more questions, and this is for account security purposes, because here at Intellibank we do of course take account security very seriously. And this is for your protection is that all right if I ask you a few questions?

utterance: Yes sir, please proceed.

utterance: All right first of all Mr. Freeman what is your date of birth?

utterance: three twenty-six nineteen seventy and my phone number is four four two two seven six zero seven three.

utterance: OK, thank you for that Mr. Freeman, and if you would, what is your checking account number?

utterance: hang on just a second. .

utterance: Sure.

utterance: OK I got you right here. That number is nine eight four six five nine one nine.

utterance: OK, thank you for that Mr. Freeman and one last question here for account verification. What is your PIN number?

utterance: That PIN number is one seven zero nine.

utterance: OK, thank you for that.

utterance: Yes sir. I appreciate that, thank you so much, I just wanna find out about this savings here cause sounds pretty good there y'all seem like y'all helping the people out on that a little bit on that savings on that on that particular savings.

utterance: Absolutely I appreciate that and we do try to offer attractive options for our valuable business clients such as yourself, because we wanna make it as simple as possible. To do business, and to handle your financial transactions, and Mr. Freeman I was abled here to pull up your account. And it appears that you do have a business preferred checking account with us. And yes we were able to send a notice here about our Intellibank smart savings account. And with the smart savings the promotion is really saying that it appears that if you also do have a savings account with us as well but you if you maintain a minimum balance in that account of at least a hundred thousand dollars we will of course offer a special promotional interest rate. that is good through the end of twenty twenty one which is the next couple of months. of additional zero point two five percent.

utterance: Oh, OK sounds good. Sounds very good, I like that.

utterance: Well and of course with the amount of money that would be in savings that interest can you know add up pretty quickly. to help of course as our thank you offer you some additional capital on top of your commitment to save that amount of funds in your account with the minimal balance monthly.

utterance: Oh, OK all right so that sounds very promising.

utterance: With that said Mr. Freeman as I noted on your account again it doesn't appear that as of the moment in your smart savings account you have those available funds in order to take advantage of this promotion we can go ahead and transfer funds from your business preferred account and of course if you'd like I can tell you what your available balance is there. Over to the smart savings account that you have to insure that you have the minimum available balance.

utterance: All right well what's the balance on that one then? The the checking account.

utterance: Absolutely you're account balance there at the moment is five hundred and twenty three thousand six hundred twenty-two dollars and sixteen cents.

utterance: OK, that that sounds good so in the in the event that we transfer over there and you saying that this interest rate will create me some extra capital.

utterance: That's correct it would create you an extra capital that will apply at the end of each month.

utterance: OK, that's that sounds good. That sounds good. Maybe we can look into that.

utterance: Yes sir if you want right here and now I can go ahead and transfer those funds from your business preferred checking account over to your smart savings account. And again as long as you maintain that minimum balance and this is actually good for you as well because of the ability to in addition to accrue additional capital frankly it allows for cash reserves because as you maintain that minimum balance in your smart savings account as time goes on and potentially as you add more funds to it, and as we add more interest payments at the end of every month if you do find yourself dealing with a cash emergency, or some unexpected expense pops up or whatever the case might be for new business opportunity that you wanna take advantage of you already have funds set aside in savings and in account that you're not necessarily using as frequently as you would your checking.

utterance: Oh OK so you're saying I just keep a minimum balance of a hundred thousand dollars.

utterance: yes sir maintain a minimum balance monthly of a hundred thousand, and that's in order to take advantage of that promotional interest rate. Keep in mind you don't have to maintain that minimum balance you can still have access to those funds at any time, however the interest rate promotion would not be something that would be instituted.

utterance: Yeah well right now I feel like it'd be a good idea that we transfer one one hundred and seventeen thousand to the savings account, because the way it look on the business side, and what the flow everything's going I'm still in good shape. Even with that balance left in checking.

utterance: Makes sense and then I'm sure probably your likely to see additional funds come in likely from the end the month from the other customer.

utterance: Right.

utterance: Right, that's what I said, one seventeen. So if I just needed to do something I put the seventeen over there if I just needed to pull something and it won't hurt that while that money is building up that capital.

utterance: Makes total sense there Mr. Freeman and with your authorization I will have gone ahead and began processing your request and give me just a moment here Mr. Freeman.

utterance: I appreciate that, and that's very good that that's being done cause I like that, that sounds good I got my attention said wow I can broaden the business out later on cause this gonna have some extra capital some some some well you can call some free money coming in you know?

utterance: free money is never a bad thing there Mr. Freeman.

utterance: Yeah that's Yeah I'm not not disappointed in the free money you know.

utterance: Well we're happy to to be of assistance to you there, and I was able to confirm that for you of the transfer funds from your checking to your smart savings has processed and a hundred and seventeen thousand has been transferred Mr. Freeman is there anything else I can help you with?

utterance: Oh, that'll be all man. I appreciate that, and I thank you for informing me on this on on on that savings and that's that's good I appreciate that.

utterance: Thank you Mr. Freeman.


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

utterance: How you doing Jerry I got an alert on my phone saying that I have a fifteen thousand dollar charge on my complete account. Can you explain that to me please.

utterance: Absolutely I'll be happy to help you with that sir. I'll just need to ask you a few questions so that I can pull up your account, is that OK?

utterance: Yes sir, please do.

utterance: OK and if I could just ask first of all, what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, thank you for that. what is the business name of the account that you all have with us?

utterance: Oh it's Ray's Construction Company.

utterance: All right. and just a few more questions I'll need to ask to verify your account for security purposes because we do take account security very seriously here. Is that OK?

utterance: Yes sir, proceed.

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

utterance: three twenty-six nineteen seventy. and the and the phone number is seven seven oh two two zero five eight five nine.

utterance: All right well thank you for that and if I could just ask, what is your account number with us?

utterance: OK hang on just a second. Can you hold on just a second, I'll get it for you.

utterance: Absolutely.

utterance: OK I have it that number is nine eight four six five nine one two.

utterance: OK, yes sir, and what is final question here, the PIN number for your account?

utterance: That PIN number is one seven zero nine.

utterance: Thank you for that Mr. Freeman and yes I was able to pull up your information here on your business total checking account and with your account it appears you're correct we did send you an alert. It was in reference to a fifteen thousand dollar charge that was made and it appears you have notification set up that any charge over ten thousand you want to be notified of for your account.

utterance: Yes that's correct cuz I have quite a few cards that are with other employees and I need to know when those numbers come in when they're pretty high. So it's just important that I find it out, as soon as possible.

utterance: Absolutely and of course Mr. Freeman the reason we send you that notice it's just so that you're able to be aware of what your account activity is and to monitor your account balance if necessary.

utterance: Yes I appreciate that and I'd like to find out, what is the balance in that in that complete account?

utterance: Absolutely it appears after that transaction of the fifteen thousand dollar charge that was made to Sarah's Bed and Bath Supply it appears that your remaining balance is twenty five thousand six hundred and two dollars.

utterance: Oh, OK, all right, that sounds workable. Sounds workable.

utterance: And Mr. of course Freeman are you aware at all of our online banking?

utterance: explain it to me in a little more detail. Well I got some parts of it, gimme a little more. So more or less I can just go do it myself and that may save me a few minutes time instead of calling in so much.

utterance: Absolutely happy to help you with that. Look I know you're, of course, a very busy guy and so what we do offer is online banking that you simply can go visit our website and when you visit our website you can of course pull up your account right there simply by entering in your user name and password.

utterance: Right.

utterance: And when you enter that in of course you can pull up your account, see what your account balance is, you can update your phone number, address. You also have the ability to look at of course transferring funds and you mentioned those cards with your other employees, you can also monitor their activity as well.

utterance: Oh that just sounds really good, that's I really like that. That's that's real info right there. Very good info. Very good. So what do you think about them Braves. Do you think they can win a World Series?

utterance: Yeah the the World Series is happening and these look like two very good teams there Mr. Freeman. I would say that the Braves are going to be very, very good because their pitching is better. but the Astros they have some pretty good hitter's. So often times in the post-season they say pitching is always the key in the post series, post-season. So the Braves have the better pitching staff so that probably give them a slight edge but guys who can hit like the Astros you never count out the guys who can hit.

utterance: Oh yeah that's true, you don't want to count them out but hey it's a fifty fifty either way.

utterance: Fifty fifty but you know you know it looks like your based their in Georgia so I'm sure it's exciting there in in in the state and the city.

utterance: Yeah it's all we got other than the Hawks and they're coming along pretty pretty decent. Falcons you know we don't even want to talk about them.

utterance: Well I mean You know I think around the country we all saw the Super Bowl with the Falcons and that that was that was something to see.

utterance: Yeah that was that was very embarrassing.

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

utterance: Yeah that will be all I appreciate everything Jerry. You have a great afternoon sir.

utterance: Thank you sir and go Braves I guess.

utterance: Oh yeah go Braves, yes go Brave.