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 what I owe on my credit cards.

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

utterance: It's Jill Baker.

utterance: 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 your current credit balance or the current amount due?

utterance: Yeah. I just need to find out how much I owe if that's possible.

utterance: OK, Jill. Is this a business account?

utterance: Yeah, it's my business credit card account.

utterance: All right Jill. Well, what is your credit card or account number?

utterance: So, my credit card number is two eight three four nine zero zero three and than my social is eight three two zero nine eight four nine.

utterance: OK, Jill. I actually will not need your social today. But what is the business name?

utterance: It's Jensen Controls.

utterance: And what is your date of birth Jill?

utterance: It's March second nineteen eighty.

utterance: OK and it looks like your account has a four digit PIN on it for security purposes. Could you also share that Pin number with me as well?

utterance: Yeah. That's six four seven eight.

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

utterance: I'm in Kent City Missouri.

utterance: And what is your street address there?

utterance: It's five one nine Hoover Road Kent City. the ZIP code six four one seven eight.

utterance: OK. So, I got your account pulled up and Jill are you wanting to know the current pay off balance or just the the monthly payment due?

utterance: Can I get both?

utterance: Yeah Absolutely. So, it looks like the current balance owed on your Intellibank Gold Member Corporate Credit Card is ten thousand eight hundred and seventy-three dollars and ninety cents and the current monthly payment due on October thirtieth is actually three hundred eighty-nine dollars and forty-five cents Did you need me to take a payment from you while I had you on the phone today?

utterance: No. Wo- would you be able to maybe email me my account statement for that card by chance. Does it cost anything to do that?

utterance: Yeah. I can do that for you. can you just verify your email for me and no it doesn't cost you anything.

utterance: Yeah. It's J baker at Jensen Controls dot com. So, it's J as in Jill Baker at Jensen Controls dot com. I'm sorry, can you here me? I'm in my car and it just like started pouring down rain.

utterance: Oh, my goodness. so are you somewhere that you're stopped? Or would you like to give us a call back? I don't want you to be driving if you're having a hard time seeing in the rain.

utterance: No, I'm stopped. I'm actually sitting in the parking lot. But it just started raining like really really hard and it's very loud. I didn't even know it was supposed to rain today.

utterance: I actually just got an alert on my phone just a few minutes ago and it was saying that we were under a sever thunderstorm warning. So, it seems like it hit a lot sooner though than my phone indicated.

utterance: Yeah and it's like really bad out here. Like I didn't even think it was overcast or anything when I came in this morning. But it's like a torrential downpour happening right at the moment.

utterance: Absolutely. That sounds sounds absolutely horrible right now. You we aren't playing on going anywhere or anything where you were gonna get wet getting out of the car were you?

utterance: No. I'm actually. Well, I'll have to go into my office. But I can actually pull into the dock. so I don't have to go straight from my car to the work. I can pull into the dock where I'm inside. But I'm mean now it's crazy out here. I mean it doesn't look like it's windy or anything. It's just mainly just mainly pouring down rain.

utterance: Yeah. I do think that they were calling for some lightning and thunder. But I didn't see anything about any kind of ra- or any kind of high winds or anything like that. Jill so, I don't wanna keep you on the phone if it's storming out. But did you want to me to take that payment for that card over the phone for you? I didn't get an answer on you for that one.

utterance: No not yet. I think I might want to just wait and pay of the balance. But I need like a day or so to figure out some figures. But it's not due yet so I'll I'll go ahead and wait on that.

utterance: OK. Not a problem, Jill. Do you have access to online banking?

utterance: I do.

utterance: Perfect. So, if you have access to online banking I do wanna let you know that you can check your balances and make payments for your credit cards there. you just need to. When you log in you just got to the top of the page and select the credit card tab, once you're logged in and than it'll actually give you an option that will tell you what your current payment due is and it will tell you what the full ba- balance is. if you go to the the little icon that says pay card it'll it'll ask you, do you wanna pay the card in full? Do you want to pay just your monthly payment? It'll give you a bunch options for that. But you can also print out statements for your accounts there as well.

utterance: So, I can pay off like the entire balance then doing that?

utterance: Yeah. So, there is actually when you do the pay the little pay card icon it will give you an option and one of those options will be to pay the entire balance. So, it'll say do you wan to pay this card off in full and it'll tell you what the total balance is that's due. So, you'll just have to select that in order to pay that off. but again like you can actually go through there and print off statements. You can make account updates on there. If you wanted to make some kind of changes. I don't know if after you pay off the balance. If you're intention is to close that card or you wanna keep that card going. if you choose to close it you can do that kind of stuff there online as well.

utterance: OK, then. I didn't realize I could do that. I'm really sorry I bothered you with it. I I would've just went there and checked the balance there.

utterance: No no it's it's we definitely don't mind. Anytime you wanna call us back and have us run it for you to we'd be more than happy to do that as well but Jill I can actually send you some information to your email too that just kind of goes over the processes for looking at that If you if you want to go over some instructions.

utterance: No. I mean I think it sounds fairly simple. I think I can figure it out. But if I need to I'll call back, OK?

utterance: All right, Jill. No problem. Was there anything else I could do for you today?

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

utterance: All right, Jill. Well, thank you for choosing Intellibank and you drive safe, OK?


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes, so I'm trying to put together like accounting of my investments with Intellibank and I was wondering if you might be able to help me with that?

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

utterance: It's Jill Baker.

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

utterance: it doesn't matter, you can call my Jill.

utterance: OK Jill, so you are a business owner and you're wanting to get an investment report for your business record. Is that correct?

utterance: Yeah, that'd be great. Is that possible?

utterance: Yep, that's possible. Do you have account with Intellibank?

utterance: I've got several but I've got a platinum business checking account is what I use primarily.

utterance: OK Jill, so we don't actually don't offer a platinum checking account. Could you possible mean out preferred business checking account?

utterance: Oh my goodness, yes that's what it it is. I'm so sorry. I I get that and my card confused.

utterance: No problem at all, let me get some information from you. What is your account number?

utterance: It's three four six zero two nine nine eight, and then my social is seven four nine zero four two seven eight nine.

utterance: OK, and what is the name of the business?

utterance: It's Johnson Controls.

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

utterance: It's March second nineteen eighty.

utterance: OK, and it looks like your account has a four digit PIN number on it for security purposes. Could you share that PIN number with me as well?

utterance: Yes, so it's six four seven eight. but can you kind of explain to me what the investment report covers? Would that be possible?

utterance: Yeah, I can do that for you. Gove me just a second here. OK, so an investment report is a fair representation of the investments made, the results achieved, the risk take, the risks taken and cost incurred by your business. So, basically the report is use to analyze the performance of you business investments, and it's something that we you know, it's something that businesses use whenever trying to d- to determine a market value. they also use it when ever they're trying when, they're trying to determine whether or not there, there is availability for a loan and it's just, it's a really good way of keeping track of how successful your business is or, or the POS analysis of your business.

utterance: OK, does it cost anything for that report?

utterance: No, so Intellibank provides a free investment report to customers every three month so there's no charge as long as you're within that time frame, and looking here at your account it looks like you have never had one, so this would be, this would definitely be within your time frame.

utterance: OK, and you kinds tell me what that report will include?

utterance: Yeah, so it includes charts and tables to help you review your capital gains, the diversity of your portfolio, your NET worth and your return on your investment. So it's essentially like kind of like a a little chart, flow cart of everything that you've got going on with your business, to kind of set that up for you and kind of show you exactly how successful your business is or what areas your your business needs to kind of elaborate on and and correct.

utterance: OK, that that's it, let's run it then.

utterance: OK, give me just a moment to get that report ready for you. also, did you want me to email this or mail the report to you once I, once I've got that dine for ya?

utterance: Can you email to me, and also to my accountant? Is that possible?

utterance: Yeah, I can do that for you. Can I confirm your email address?

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

utterance: OK, and what about your accountants email?

utterance: Hang on, let me grab it. It's his is Bob Ding B O B dot D I N G at Roberts Accounting dot com. So that's one word, Roberts Accounting.

utterance: OK. Gimme s- just a second, I'm gonna run this report for ya and then I'm gonna get everything emailed over to bother of ya. OK?

utterance: OK, have you been outside today?

utterance: I have not. I've been working since about seven AM this morning.

utterance: Oh my goodness, it's so beautiful out there. It's like seventy degrees outside now it's very very beautiful, definitely feels like spring. I'm just, I just can't stop talking about it now. It's been such a nice day.

utterance: Well, I'm off in about an hour so hopefully it holds up so that I can enjoy some of the nice weather too. I've been ou- wanting to get out and get a bike ride in.

utterance: I went for a run this morning, it was really fantastic. It was a really great time, it's just so nice out there. So breezy and cool, it's just, it's been great weather. It's been so cold and then we get this weather so it's really really nice.

utterance: Well it sounds nice Jill I have that report completed for you, so what I'm gonna do is I'm gonna email a report over to you and your accountant. did you want me to maybe share some of that information with you today while I had you on the phone?

utterance: could you, and I don't really know what you're sh- what you're sharing, but.

utterance: Was there anything like specific you were wanting off of it?

utterance: Does it tell like my income to debt ratio?

utterance: Well it tells the on here, you kind of have to elaborate a little bit more on that when you see the report but your income to debt ratio on here shows that it's at thirty-four percent.

utterance: Is that good or is that bad?

utterance: So the national average for that looks like it's around thirty-two percent so it's it's it's just a little bit over the national average.

utterance: OK then, like go- over in a good way or over in a bad way?

utterance: So it's just a little bit higher than the national average, so it- it is a little bit better, yes.

utterance: OK, thank you. Well that's great to know, I guess.

utterance: Yeah, Jill so I'll have those reports emailed to you and your accountant was there anything else I could do for you guys today while I have you on the phone?

utterance: No, I don't thinks so. You've been very helpful, I really do appreciate it. I know this is something that we can do ourselves or keep track of ourselves, but it's really nice that Intellibank does that for us.

utterance: Well anytime Jill, anytime you need anything from us just give us a call back and I just want to thank you for choosing Intellibank, You have a great day.


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

utterance: Oh hello. My name is Charlene. and and and next update my phone number for my business because I think I think cuz since like it's getting confused with my personal line. And I don't want it to be a problem to me while I'm at work.

utterance: Hi Charlene.

utterance: All right. No problem. I can go ahead and help you out with that. I will gather some pieces of information from you first. So first can I have your name and date of birth please.

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

utterance: All right. Thank you for that. And can you spell your last name for me please.

utterance: That will be P E E T E R S O N.

utterance: All right. Thank you for that. And can I also get your PIN number please.

utterance: Oh hold on a minute. Let me go and get it.

utterance: All right. No problem.

utterance: OK my PIN number is three five four six and my account number is three five four six six eight seven nine two four.

utterance: All right. Thank you so much for both of those pieces of information. And can I confirm your current phone number on file.

utterance: OK my current phone number is five one two nine nine one five five one nine.

utterance: All right. Thank you. And whenever you're ready I can take your new phone number.

utterance: OK. My new number will be five one zero four three three eight six seven five.

utterance: All right. And just to confirm that is five one zero four three three eight six seven five.

utterance: Yes that is correct.

utterance: All right. Thank you for that. All right. Your phone number has been updated. So now that will be the number on file for your business.

utterance: Oh OK. Thank you for that. And how is the weather over there?

utterance: Oh the weather is so nice. Thank you for asking. It's very warm and sunny lately where I am. How about with you?

utterance: it's also the same. It's very nice. It's very warm. It's very sunny. At least helping for get out a lot of plans out and about instead of staying indoors all day.

utterance: Absolutely. Because we've been having a lot of rain recently so everyone's been stuck in their house. But it's good now they're getting out of the house with the warm weather.

utterance: Yeah it's good. It's also good for business.

utterance: Absolutely.

utterance: and I was wondering do you offer the business black card. if I got it for .

utterance: Oh.

utterance: Oh did you mean our business platinum card?

utterance: Yes that one.

utterance: Yes absolutely. So we have a Intellibank business platinum card. And what this is is it's a credit card. And we have other credit cards such as we have business gold platinum. Excuse me. Business gold card and business silver card. And our platinum card is one of our highest credit cards. So what it is it is low fees high rewards. And however you do have to have a twenty-five hundred dollar balance for that card. However with that it comes with lower fees compared to our other credit cards.

utterance: Oh OK. And can. What are the requirements for me to get one?

utterance: So you do we'll require a balance of two thousand five hundred dollars for that credit card. But as long as you have an account with our bank you can apply for one.

utterance: Oh OK. That's OK. So I can come to the branch to apply for one?

utterance: Yes. You could come to the branch or you could apply online through our website.

utterance: Oh OK. That's nice to know.

utterance: Absolutely. And is there anything else I could help you with today?

utterance: No. That's all I had for today.

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

utterance: Thank you. And thank you for your service.

utterance: Absolutely.


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

utterance: Hi Debbie, I need to apply for a term loan please.

utterance: Oh, I'd be glad to help you with that today. You'd like to apply for one of our term loans. Wonderful. May I ask who I have the pleasure of speaking to today?

utterance: my name is Marcie Gryholic.

utterance: Hi Marcy, how you doing today?

utterance: I'm

utterance: Good, how are you?

utterance: Great, Marcie, could you advise me of the spelling of your first and last name?

utterance: First name is M A R C I E. Last name is G R Y H O L I C.

utterance: Thank you so much, and Marcie, I will be going ahead and doing this online with you and I just, just to advise you I will be needing your tax ID number, your gross annual sales for last year, as well as your home and business addresses.

utterance: Right. That's fine.

utterance: Do you ha~

utterance: Do you have those OK, great. All right, let's go ahead and get started. may I please have your home address?

utterance: My home address is eighty-seven forty-nine Moorcroft Avenue.

utterance: That's Des Moines. Iowa.

utterance: Three five six seven two.

utterance: Thank you so much, and Marcie, your social security number?

utterance: Nine five seven, one four, three six, two one.

utterance: Thank you. And your driver's license and the state that it was issued from, I'm sorry, your driver's license number?

utterance: Driver's license number is I W six seven, five two nine.

utterance: Thank you, and a four digit PIN for security purposes that you would like to create?

utterance: Oh, can you hold on for one moment please?

utterance: Sure.

utterance: OK, I have it, you ready?

utterance: Thank you.

utterance: It's one one five eight.

utterance: Thank you, and your email address?

utterance: My email address is Marcie's purses at Yahoo dot com.

utterance: All right. I can guessing what type of business you have. OK, and also Marcie, are you the sole owner of your business?

utterance: Yes.

utterance: I am.

utterance: And if you could tell me the approximate month and year that your business was established?

utterance: January of two thousand and twelve.

utterance: Thank you. And what were your gross annual sales for the year two thousand twenty?

utterance: Seventy thousand.

utterance: Thank you so much, and may I also have your tax ID number?

utterance: Tax ID number is twenty-two, thirty-one, fifty-one, seven.

utterance: Thank you.

utterance: And Marcie, may I please get the address for your business?

utterance: that's fifty-two, sixty-five, Almond Drive. Des Moines, Iowa, six one seven three.

utterance: Thank you so much. Is your mailing address the same as your business address?

utterance: It is.

utterance: Thank you so much, and what is the line of credit that you're applying for today?

utterance: What's the maximum?

utterance: Well the maximum is up to five hundred thousand dollars.

utterance: Oh. I'll take a hundred for twenty-five, just kidding. I'll take a, a hundred thousand please.

utterance: You'd like to apply for a hundred, OK. And also the purpose of the loan?

utterance: and I wanna expand to wallets.

utterance: So you want to.

utterance: I sell purpose purses. Purpose purses, I sell purses. I wanna expand to wallets.

utterance: Ex~

utterance: You it's like she sells seashells on the seashore this. So you'd like to expand your business for it's so, sounds like you would like to increase your inventory.

utterance: Yes.

utterance: Yes.

utterance: All right, I'm just looking for the right box to check here.

utterance: Got it.

utterance: Great, all right, so just to let you know, I just sent you a link to your email address. It will have your application a link to the application that we just filled out. It will also have a link for you to upload a copy of your driver's license and your tax ID number paperwork. Also, please be advised that interest rates and fees are set by the FCC and credit line is based on availability. Also, your results will be available within to seven to ten business days as to whether or not you are approved for the loan. and that completes the application Marcie. Is there anything else I may assist you with today?

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

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


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

utterance: Yes, I got something in the mail about competitive interest rates. Can you tell me about that?

utterance: Absolutely, ma'am. I'll be very happy to help you with that. if I could just ask what's your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards what is the name of the business that has an account with us?

utterance: Jones Bed and Bath.

utterance: OK. Thank you Ms. Richards.

utterance: Mhm.

utterance: I'll just need to verify a little bit of information before I can address exactly what it is that you received from us. what's your date of birth.

utterance: Eleven eleven eighty-four.

utterance: And what is your account number?

utterance: Just a second.

utterance: All right. It's nine eight four six five nine.

utterance: All right. And what is your PIN number?

utterance: One zero one seven.

utterance: Thank you for that. And yes Ms. Richards I was able to pull up your account.

utterance: And as I'm reviewing your account, yes it appears I can see that we did send you a notice in the mail and what we were informing you of is we have a terrific special going on this month. with extremely affordable interest rates on our lines of credit that we have available to our business customers such as yourself.

utterance: the interest rates on these loans go as low as five point four five percent interest on up depending on a number of variables. But these are extraordinarily low interest rates with fairly healthy loan amounts that can be used to help grow and finance your growth of your business.

utterance: All right. That sounds very good. what are the types of loans you offer?

utterance: Oh, yeah. Absolutely. Well, Ms. Richards we offer a variety of different loans for instance we offer real estate loans if you needed a loan to secure a new building. we offer secured loans.

utterance: we also offer term loans and we also offer SBA five oh four and seven A loans.

utterance: Wow!

utterance: And they're all different depending on what you're looking for.

utterance: but of course if you for instance are looking for woking capital loan or a loan for equipment or what have you that's something that would generally speaking be covered under a either secured or term loan.

utterance: OK.

utterance: now let me just ask is that something you'd be interested in as far as being able to be able to apply for for instance a line of credit at these extraordinarily low rates?

utterance: Yes, I am.

utterance: Yeah. I just been so busy right now. And that's why I was calling.

utterance: You know instead of having to go by the branch.

utterance: well thank you for that. I'm glad that you called. you know that's what we're here for.

utterance: And if you are interested if you would I would just need to ask a few questions.

utterance: from you and in answering those questions we can begin the loan application process.

utterance: All right.

utterance: Ms. Richards, I know you mentioned it before but what is the name of your business that will be applying for the line of credit?

utterance: Jones Bed and Bath.

utterance: And what Ms. Richards is your personal address?

utterance: One four one Oakwood Avenue, Avondale Estates, Georgia three zero zero zero two.

utterance: And what is your business address, Ms. Richards?

utterance: One zero seven five Lamens Court Smyrna, Georgia three zero zero zero two.

utterance: And Ms. Richards, what is your mailing address? would that be the same as your business address?

utterance: Yes.

utterance: One oh seven five Lamens Court Smyrna, Georgia three zero zero zero two.

utterance: All right and Ms. Richards, what is your social security number?

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

utterance: And what is your tax ID number?

utterance: Tax ID number. Seven three one six nine five eight two two.

utterance: And Ms. Richards how long has your business been established?

utterance: Since September the fifth of nineteen eighty.

utterance: Wow! I mean you you've been around for. Your business has been around for a few decades now.

utterance: Yes, it has.

utterance: And you're still growing?

utterance: Still growing. we've been had the ups and down as as in any but definitely seeing growth slowly but surely.

utterance: Well that is phenomenal. It's always good talking to entrepreneurs and business owners like yourself who has stood the test of time. it is a testament to your character and to your tenacity to keep pushing and growing even with as you mentioned all of the ups and downs that is involved with being a business owner.

utterance: Well, thank you. I appreciate that.

utterance: You're welcome, ma'am. And again thank you for doing business with us. Let me ask, Ms. Richards are you the sole owner of the business?

utterance: Yes.

utterance: And what is your personal email address?

utterance: My personal email address is E Richards at mail dot net.

utterance: And what is your business email address for your account?

utterance: It is E Richards at jones B B dot com.

utterance: And Miss Richards, what's your gross annual sales for your business?

utterance: I would say it's about twenty-six million.

utterance: All right. And what is the case ma'am of the reason for your applying for this line of credit?

utterance: for equipment costs.

utterance: OK. And Ms. Richards, if I could just ask what is the amount that you're looking for on your credit limit?

utterance: Five hundred thousand.

utterance: All right. And Ms. Richards what is the term of this credit limit that you're looking for?

utterance: About thirty. Three years.

utterance: Three years, OK. Thirty-six months?

utterance: Yes.

utterance: All right. And I think we have about everything that we need. is there any collateral that you would use for this.

utterance: Yes, property.

utterance: OK. Terrific terrific.

utterance: Well, I think I've got about everything I need here to get this process started. one other thing here. what is your driver's license number?

utterance: It's zero six two four eight seven one two.

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

utterance: Georgia.

utterance: All right. Yes, ma'am. As I review your application it appears we have everything we need at least on our end to get you started.

utterance: And from here what I'll do is get this over to our loan department. They'll of course review your application and then they'll reach out to you as necessary. how would you prefer they contact you? By phone or email?

utterance: Email. OK. And they'll email you at the address you've given us here earlier?

utterance: Yes.

utterance: OK.

utterance: And Ms. Richards is there anything else I can help you with?

utterance: No, there's nothing else for today.

utterance: Well if that's all, again thank you for giving us a call here today.

utterance: I'm glad that you found the time to do so and we'll be in contact with you with the status of your application.

utterance: OK. Thank you so much.

utterance: Have a good day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellabank, this is Michael, how may I help you today?

utterance: Hi, Michael, I'm calling because I want the F A Q required business documentation for possibly opening up another account, or taking out a loan.

utterance: OK, no problem. I can help you with that and are you already an existing customer?

utterance: Yes, I am.

utterance: All right. the best way to do this is to start by us getting you logged into your account, and to do that I am going to need your full first and last name, as it appears on your account.

utterance: My name is Terry White.

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

utterance: October ninth, nineteen eighty six.

utterance: All right, and what is your four digit security pin?

utterance: Three six, two six.

utterance: And what is your six digit account number?

utterance: Eight O seven, four one four.

utterance: All right, I have you all pulled up here. Thank you very much for being an Intellabank customer.

utterance: So, what you would need to do is you would need to confirm, a bunch of information that we have on file for you, like your social, your drivers license, your tax ID, your email, your business name, whether you're the sole owner, your establishment date, et cetera, et cetera, and that's those are all things that we do here over the phone if you wanna proceed later on with this. But, on top of that we'd need copies, physical copies of several documents, and those would need to be mailed in to us, or dropped off at a branch, and those would be copies of your business license, two years of professional personal tax returns, two years of business tax returns, and two years of year-end financial statements.

utterance: would you like to go ahead with the application for the term loan, as far as what I can get started for you over the phone?

utterance: Yeah, that what I'd like to do. I wanna apply for the term loan.

utterance: OK, So, I've already confirmed a bunch of your information, but I'm gonna need to confirm a bunch more.

utterance: So, starting out, what is your social security number?

utterance: Five five seven, two five, three nine, eight zero.

utterance: And I'm gonna need your state issued ID or drivers license, preferred.

utterance: OK, that is D E, like the abbreviation for Delaware, three six five, three six six.

utterance: And I'm going to need your tax ID number.

utterance: that's eight O five, four nine two, six one, four.

utterance: Great. And can you please confirm the email address that we have on file.

utterance: Oh, Terry White collects at Gmail dot com.

utterance: All right.

utterance: You have any sort of like funny thing on your email. Cause I do, I do collect so people think like I'm some sort of a bill collector, but it's, actually I'm a stamp collector. But, it's funny how people misinterpret that, you know what I mean?

utterance: yeah, no. I just, it's just my name at Intellabank dot com.

utterance: Yeah.

utterance: Yeah.

utterance: what is your business name?

utterance: Oh, it's Terry White Collects, I've made a living at it, collecting stamps and reselling them.

utterance: Oh, congratulations.

utterance: Thank you.

utterance: And are you the sole owner?

utterance: Yes, yes yes.

utterance: All right. And what was the date that you established your business?

utterance: Wow, that would be technically December tenth, nineteen ninety-two.

utterance: Wonderful. And what is your gross annual sales?

utterance: Sixty-four thousand dollars.

utterance: And what kind of term were you looking for?

utterance: I think two year, two year term will.

utterance: All right.

utterance: Fantastic, so I have all this information down from you, and once we receive the copies of the documents that I requested earlier we'll be able to process that loan request. And you'll receive an answer in seven to ten business days.

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

utterance: No, that'll do it, thank you.

utterance: Well, thank you for calling Intellabank. You have a wonderful rest of your day.

utterance: You too.

utterance: Bye.


utterance: Intellibank, this is Simone. How can I help you?

utterance: Hey Simone. How are you?

utterance: OK. How are you?

utterance: confused.

utterance: OK.

utterance: So I I got you know. My my mail came today and I got a notice from the bank stating that there's possible problems with my account. There's like something I need to look into.

utterance: OK. I can help you with that right away. let's just get some basic information first. What is your first and last name?

utterance: my name is James Porter.

utterance: OK. And is that P O R?

utterance: T E R.

utterance: T E R, OK. OK, and your date of birth?

utterance: It is October first nineteen ninety.

utterance: OK, my Porter. And your pin number please.

utterance: It's one zero nine zero.

utterance: OK. And so you say that you got something in the mail from us?

utterance: Yes.

utterance: Did it say. Let me see. Looking at the last that we sent to you was concerning fraudulent charges?

utterance: Yeah, but I'm.

utterance: Is that

utterance: The notice says?

utterance: That's what I'm really confused about.

utterance: OK. OK. So, let me look at what's.

utterance: Confused and possibly scared.

utterance: Flagged.

utterance: OK. Well, yeah, we. There's a red flag because I see here that you live in Tampa, Florida but your card was used in New York for. There was a restaurant charge. Ruby Foods Restaurant?

utterance: Yes.

utterance: Yeah, I. Oof. OK. So yeah, actually, I had a quick. Like literally not even forty-eight hour business trip to New York.

utterance: OK.

utterance: And that's where we had our business meeting at and I picked up the tab for dinner and yeah I did I need to like notify the bank to say hey I'm going out of town, just to give you a heads up or.

utterance: Mhm.

utterance: OK.

utterance: Yes. See that's. Yeah.

utterance: Yes. That. That is the problem. See, when you. When you travel we would like you to like let us know. You. You know, probably. I mean who thinks of that when they are traveling. I know that's probably the last thing on your mind. But yeah, so we will flag that because it's suspicious to the bank. You know what I mean because you are in Tampa, Florida. If we don't know you're traveling. Just for the future, just let us know. This way we don't flag the card and then it could possibly be. we can you know just shut the card down basically.

utterance: OK.

utterance: Right.

utterance: You don't want that. So I'm just gonna make a quick note. Hang on one second. so this'll just. I can make it just go away basically. Hang on. OK. All right. All right. So that's taken care of. No problem. And is there anything else that I can help you with while I have you on the phone?

utterance: OK.

utterance: You know what,

utterance: Mhm.

utterance: Actually, yeah. Well the the reason for the business trip was possibly to expand our business and actually move our main business office to New York.

utterance: Wow.

utterance: and we're moving forward with that so I'm going to need to update my you know address account.

utterance: Mhm.

utterance: OK. Wow. OK, that's really exciting. So I can do that for you right now. Whenever you're ready just give me the new address.

utterance: OK.

utterance: OK, it's nine oh five.

utterance: OK.

utterance: Fifty-first Street.

utterance: Mhm.

utterance: and that's New York.

utterance: Mhm.

utterance: It's two one.

utterance: Mhm.

utterance: Eight five two.

utterance: Mkay. OK. So it's nine oh five.

utterance: Mhm.

utterance: Fifty-first Street.

utterance: Yes.

utterance: New York, New York.

utterance: Yes.

utterance: Two one eight five two.

utterance: Correct.

utterance: OK. Now when I put that in is it East Fifty-first or West?

utterance: It is West. West. Yeah. Yeah.

utterance: Yeah. West. OK. So

utterance: The west Fifty-first Street. OK. All right, perfect. And also while I have you on the phone since you just have a regular business account we can offer you the Intellibank Gold business card which if you travel. You're going to be traveling I am assuming a lot from Florida to New York.

utterance: OK.

utterance: Yes.

utterance: So now I'm going to be going back and forth a lot. Yeah, a couple times a month.

utterance: Mhm.

utterance: So if you use the Gold card for your frequent frequent flyer miles, it will save you so much money. You will rack up points like you can't believe. And then also we have a lot of businesses in New York that are affiliated with Intellibank that would give you discounts, points off. Just everything. So I can go ahead and mail you out info about it or what I was going to suggest to you as well I can email you that and then I can also set you up for online banking. So since you. It seems like. And I have a feeling that you're going to be traveling a lot you could just download the app onto your phone and do business for yourself with your online banking.

utterance: OK.

utterance: OK.

utterance: Would that be something that you'd be interested in?

utterance: I. That sounds like it would be amazingly convenient for me. Yeah.

utterance: OK.

utterance: Great.

utterance: All right. Well, what is your email?

utterance: It's J Porter.

utterance: OK.

utterance: Nineteen ninety.

utterance: Mhm.

utterance: At Gmail dot com.

utterance: OK and is the J capitalized?

utterance: It is.

utterance: OK. All right. So we just sent you over an email about the Gold card.

utterance: OK.

utterance: But also I'm about to send you a link that. Just click on the link and it'll take you through step by step and it'll set up. You'll set up your online banking and you'll be good to go with that. And if you have any questions please call us back. But we do like to make your life as convenient as possible and I really feel like we set up the online banking program really easy and simple, so you'll be able to do it.

utterance: OK.

utterance: And I appreciate that.

utterance: OK.

utterance: And yeah. Is there anything else I can help you with?

utterance: That seems to be everything.

utterance: All right, have tremendous luck with your new move.

utterance: Thank you so much.

utterance: And.

utterance: It was a pleasure talking to you.

utterance: You too.

utterance: Thank you. Bye bye.


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

utterance: Hey, Brendan how's it going? I so I have an account a business account with Intellibank been banking with you guys for years. you know it's a small video production company called Journey West and I'm calling because I wanted to open a new corporate credit card a business credit card. And also wanted to check my debt to income ratio. So I was wondering can you help me with that?

utterance: Absolutely we can do both of those things without a problem. And just to start let's go ahead and pull up your account. And to do that I am going to need your first and last name. As it appears on the account.

utterance: OK, great thank you so much. My name is Mike. First name is Mike you know probably Michael M I C H A E L Chen C H E N.

utterance: All right, thank you Mr. Chen and I'm gonna need your date of birth.

utterance: Great date of birth is March twenty-third nineteen ninety.

utterance: and what is the last four digits of social security number?

utterance: My social security number it's zero two one two.

utterance: And finally just to pull up your account I am going to need your four digit security PIN.

utterance: Security PIN I believe it is it's actually the same as my social security number zero two one two.

utterance: All right, I would recommended changing that when you get an opportunity. it's not safe to use your social security as your PIN.

utterance: I get that, that's that's true. .

utterance: All right, so to start how over what time period are you looking for your debt to income ratio?

utterance: So I'm thinking for the debt to income ratio. I'm thinking the past two business quarters. what is it? It's November now so probably you know Q two Q three so yeah really just since tax season started I've been sorta behind on my paper work so.

utterance: All right I'm just gonna need to get two things from you in order to calculate that. What is your gross annual sales?

utterance: So my my business's gross annual sales is about I would say eighty thousand a year.

utterance: All right, and then total annual income.

utterance: Total annual income after sales is forty thousand a year.

utterance: All right, so it looks here like you have a debt to income ratio of eight point three percent.

utterance: OK,

utterance: And you mentioned the possibility of applying for a corporate credit card today?

utterance: Yes, that's right you know it's it's it's I've I've had an old one for a long time and I just with my old bank and I just canceled that and I think it's about time you know I like the benefits on this corporate credit card. I Could you tell me a little bit more about like which which what's the best option?

utterance: sure we have three different business credit cards bill. We have our Intellibank gold business card. Our Intellibank silver business card. And our Intellibank platinum business card. Which offers up to one hundred thousand dollars.

utterance: One hundred thousand dollars limit?

utterance: Yes.

utterance: That's amazing. I I think I qualify for that so gold sounds kinda good. what's the annual fee on that?

utterance: there is no annual fee.

utterance: Wow OK, see this is why you guys are awesome. I you know let's let's go with gold you know if I if I do qualify for that I I I'd like to you know set up an application for gold.

utterance: All right. Well I can use the info that I have on file here. But I'm also going to need some additional pieces of information from you to file that application.

utterance: Sure.

utterance: So I'm gonna need your email address that's on file.

utterance: OK, at. Well my email address is M C three two three M as in Michael C as in cat three two three at Gmail dot com. And my phone number is six two six zero three zero three six three. If you needed that.

utterance: All right, I don't need that. But thank you very much for that.

utterance: Great.

utterance: And I know you stated the name of your business but I'm gonna need that one more time.

utterance: Yeah, yeah it's Journey West.

utterance: And are you still the sole owner?

utterance: I am the sole business owner.

utterance: And what was the date that this business was established?

utterance: March nineteenth twenty fifteen.

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

utterance: Oh, OK. Tax ID number is zero one three four four seven nine eight three two.

utterance: Great well that is all I need for your application. And I can I can't give you an answer today. But you will receive an answer in the mail in five to ten business days.

utterance: Wow that was great Brendan right? It was?

utterance: Yes.

utterance: OK, thank you so much Brendan. I really appreciate it.

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

utterance: I don't think so. Yeah you've been really helpful today. I think you know great about gonna move the business forward.

utterance: Then thank you very much for calling Intellibank. You have a lovely rest of your day.

utterance: You too bye bye.


utterance: Good morning. Thank you for calling Intellibank. My name is Sarah and how may I assist you today?

utterance: Hey Sarah, how are you doing this morning?

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

utterance: I'm doing great, thank you. I'm calling because we are closing our business so we're no longer going to be needing our our I'm sorry our business preferred checking account with you guys.

utterance: Alright ma'am. We'll I'd be more than happy to assist you with that. now you're calling to close your account, was that correct?

utterance: oh yeah yeah yeah yes ma'am. I'm sorry.

utterance: That's not a problem whatsoever. Now I do need to go ahead and get some information from you so I can pull up that account, OK?

utterance: OK yeah. and also I guess I should ask this first, it's just kind of a question to follow up on that. what do I need to do about the balance that we have in our checking account? Do I need to go and withdraw that and then deposit it into our personal savings account with our bank? Or I mean how does that work?

utterance: Ma'am what we can do is I can go ahead and close out your account over the phone with you and any residual balance that you may have we can go ahead and transfer that for you.

utterance: Oh great, great, thank you! That's exactly what I need to do. I appreciate you suggesting that.

utterance: Well ma'am I'm so glad to be able to help you today. Alright, let's go ahead and get some information to pull this account up. May I have your full name as well as your birth date please?

utterance: yeah this is Barbara. B A R B A R A. My last name is Brandon. B R A N D O N and my birth date is October the third nineteen ninety-seven.

utterance: Thank you so much. I have your last name spelled B R A N D O N and I have your birth date is as October the third, nineteen ninety-seven. Was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you Miss Brandon. And may I have your PIN number please?

utterance: sure! The PIN number is six ninety-two thirty-eight four forty-four.

utterance: Thank you. I have six nine two three eight four four four.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much. And may I have the account number for the checking account you would like to close today?

utterance: Oh absolutely! that's seven twenty-nine, five fifty-nine, twenty-one, eighty.

utterance: Thank you so much. I have seven two nine five five nine two one eight zero.

utterance: Yes ma'am that's correct.

utterance: Thank you and the reason you're closing this is because you're closing your business, was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you very much. Alright, now the account that you would like to deposit your remaining funds into, what type of account is that?

utterance: it'll be a savings account.

utterance: Thank you. And I am showing that you would have or you do have a residual balance of three hundred twenty-five thousand sixty hundred sixty-seven dollars and thirteen cents. Are we going to be transferring the entire amount today?

utterance: yes ma'am if that's OK.

utterance: Absolutely and again I'd be more than happy to help you with that. Now may I have the routing number for the account that you would like your residual balance deposit into please?

utterance: Yeah absolutely! It's seven five six zero six zero zero nine zero.

utterance: Thank you. I have routing number seven five six zero six zero zero nine zero. Was that correct?

utterance: Yes ma'am.

utterance: Thank you so much Miss Brandon and may I have that account number as well please?

utterance: Yeah. the account number is two ninety-one zero seventy eighteen twenty-four.

utterance: Alright. I have account number two nine one zero seven zero one eight two four.

utterance: Yup that is correct.

utterance: Thank you so much Miss Brandon. Just one moment while I get this processed.

utterance: OK great thank you Sarah.

utterance: You're quite welcome, Miss Brandon.

utterance: Alright and I do have this all processed for you Miss Brandon. I have your residual balance of three hundred twenty-five thousand six hundred sixty-seven dollars and thirteen cents deposited into the account number ending in one eight two four and I do have your business checking account ending in numbers two one eight zero closed. Was there anything else I could assist you with today?

utterance: no ma'am, that has everything covered. I do appreciate your help.

utterance: thank you so much Miss Brandon. If there's anything else we can do to assist you just give us a call back, OK?

utterance: OK Sarah, thank you so much!

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


utterance: Good morning. Thank you for calling Intellibank. This is Donna speaking. How may I assist you today?

utterance: Hey Donna, how are you doing today?

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

utterance: Oh I'm doing great, thank you. I'm calling from Well's Management Corporation. And what I'm meaning to do today is make an internal transfer from our secondary checking account into our primary checking account.

utterance: I'd be more than happy to assist you with that today, ma'am. Let me get some information from you if I may, so I can pull up your accounts, OK?

utterance: OK, yes ma'am.

utterance: May I have your full name as well as your birth date, please?

utterance: yeah! My first name is Catherine, C A T H E R I N E.

utterance: And my last name is Sweeney, S W E E N E Y.

utterance: And my date of birth is September the tenth nineteen ninety.

utterance: Thank you so much, Ms. Sweeney. I have your last name spelled S W E E N E Y.

utterance: And I have your date of birth as September the tenth nineteen ninety, was that correct?

utterance: Yes ma'am. It sure is.

utterance: Thank you. And may I also have your phone number, please?

utterance: yeah. Actually, we got our main number changed actually, just a couple of days ago.

utterance: So, I'm gonna go ahead and give you our old number as well as our new number. I'm not sure if we have had the chance to update that with you.

utterance: So I'm I'm pretty glad you asked that question, to be honest.

utterance: our old number was area code five zero two eight zero five three three nine three. And our new number is area code three four seven three zero four seven seven six five.

utterance: Mm thank you so much, Ms. Sweeney. And I am showing that you do have the old phone number on file still, which was area code five zero two eight zero five three three nine three. Would you like to go ahead and update that phone number today?

utterance: yeah actually yes! Yes please, thank you!

utterance: Yes ma'am, Ms. Sweeney. That's not a problem whatsoever. And just to make sure I have this correct, we are changing that to phone number, which is area code three four seven three zero four seven seven six five. Was that correct?

utterance: Yes ma'am, you've got it. Thank you.

utterance: Yes ma'am, Ms. Sweeney. Not a problem whatsoever. And may I have your pin number, please?

utterance: yeah! That PIN number is eight six one three eight two zero zero.

utterance: Thank you. I have eight six one three eight two zero zero. Was that correct?

utterance: Yes ma'am, that sure is.

utterance: Thank you so much. All right, now may I have the account number that you would like to withdraw the funds from?

utterance: Yeah, that account number would be eight zero nine seven eight five four six zero nine.

utterance: Thank you, Ms. Sweeney. I have eight zero nine seven eight five four six zero nine. Was that correct?

utterance: Yes ma'am, it sure is.

utterance: Thank you so much. And may I have the account number you would like the funds deposited into?

utterance: Absolutely! That one is eight six one four zero zero three six six nine. Oh, and how long does the transfer take?

utterance: All right, just real quick, the account number that you would like the funds deposited into was eight six one four zero zero three six six nine. Was that correct?

utterance: Yes ma'am. It sure is.

utterance: Thank you so much, Ms. Sweeney.

utterance: And this transfer will actually be done instantly. Just as soon as I get this processed, the funds will be available in the account number ending in four six I'm sorry in the account number ending three six six nine.

utterance: Oh yeah great, great, great! Yeah, that's wonderful, thank you.

utterance: Yes ma'am. And how much would you like to transfer today?

utterance: We need to transfer eight thousand five hundred eight dollars and seventy-four cents.

utterance: I have eight thousand five hundred eight dollars and seventy-four cents. Was that correct?

utterance: Yes ma'am. It sure is.

utterance: All right, thank you so much, Ms. Sweeney. Just one moment while I get this processed.

utterance: OK, Ms. Sweeney, I do have that processed.

utterance: And, just to make sure, we have the amount of eight thousand five hundred and eight dollars and seventy-four cents.

utterance: And we have that withdrawn from the account number ending in four six zero nine and deposited into the account number ending in three six six nine. Was that correct?

utterance: Yes ma'am, it sure is. And thank you so much for your help today.

utterance: Well thank you so much, Ms. Sweeney. Was there anything else I could assist you with today?

utterance: Nope. That'll do it. Thank you so much, Donna.

utterance: Mm thank you, Ms. Sweeney, for calling Intellibank. You have a wonderful day.


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

utterance: Hi, I need to close my Intellibank business total checking account.

utterance: I'm sorry, I I it was a little staticky on my line. Could you repeat that for me?

utterance: I need to close my Intellibank business total checking account, please.

utterance: Gotcha.

utterance: Thank you so much now I can hear you I'll be happy to help you with that.

utterance: May I ask who I'm speaking too?

utterance: my name is Lynn Nottage.

utterance: Could you spell your first and last name for me?

utterance: first is L Y N N last name is N as in Nancy O T T A G E.

utterance: OK.

utterance: And you would like to close your business total checking account?

utterance: Yes. And I just want to put everything into my preferred checking account, I just want to have one account.

utterance: All right. That make sense.

utterance: I was gonna ask if there's anything I can do to help you but I'm glad to hear that you're still going to be our one of our checking account customers.

utterance: Oh yeah, you guys are great. I have no complaints.

utterance: Oh wonderful. And Lynn, just so you know. One of the advantages of having the preferred checking account is their are never any service fees for having an account.

utterance: Oh, that's good to know.

utterance: Yeah. So that's an advantage for you. may I get your date of birth to pull up your account?

utterance: my date of birth is three seven fifty-seven.

utterance: OK.

utterance: My security answer is Super man.

utterance: Oh.

utterance: Excuse

utterance: One moment Lynn. I'm still I'm still inputting your date of birth.

utterance: Oh, sorry about that. Yeah.

utterance: That's okay. Just, it's screen by screen.

utterance: All right.

utterance: You know me. I'm just, well you don't know me obviously but I'm just very you know, I'm I'm I'm very forward-thinking, I'm always trying to I think ahead.

utterance: That's great. I love that, I I love when our customers or providing information. may I also get your four digit PIN, please.

utterance: my four digit PIN is one seven five seven.

utterance: One seven five seven. All right.

utterance: Mhm.

utterance: Perfect. And then can you also provide me the checking account number for the business total account.

utterance: the checking account number is, three five two one five four.

utterance: All right.

utterance: Oh you know what? I'm sorry, that's the wrong number. It's actually inverted, it's one five four three five two.

utterance: I'm I'm sorry, could you repeat the whole number for me?

utterance: one five four three five two.

utterance: Perfect. And then the account number for the business preferred checking account.

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

utterance: Great, all right. So let me check the balance on the business total.

utterance: Uh-huh.

utterance: and we are just to oh we're closing so we're gonna transfer the whole balance. All right.

utterance: Yeah. Cause we're closing the account.

utterance: Exactly, exactly. You said that and, right.

utterance: Right? Yeah. .

utterance: That's OK.

utterance: I'm jumping ahead.

utterance: All right. So the balance on the business total account is four thousand two hundred ninety-eight dollars and four cents.

utterance: Mhm.

utterance: All right and then, I will be transferring that into account number five seven zero seven three one be preferred checking account. All right. One moment while I process this. You'll hear a brief silence while I'm doing that.

utterance: Right. OK.

utterance: All right, very good. The transfer is complete. And because it is a internal account to account transfer, the funds will be available immediately.

utterance: Would you like to know the balance now on the preferred checking? All right.

utterance: Yes, please.

utterance: That total balance is eighteen thousand four hundred twenty-eight dollars and sixty-seven cents.

utterance: Perfect. I was just curious, where is your where is your call center?

utterance: Well we do have call centers all over the United States. However, I am excuse me, I am speaking to you from Florida.

utterance: Oh.

utterance: What's the weather there today like?

utterance: Today is been pretty nice. we have a lot of very hot and humid weather but with the recent rains we've had it's very nice.

utterance: Oh.

utterance: Seen any alligators lately?

utterance: I I have. we we actually have seen them before in some of our neighboring areas where there are lakes. And we of course stay far away from them but we have seen them.

utterance: That's cool.

utterance: Yeah.

utterance: Yeah. How's your day going today and how's how's the weather where you are?

utterance: yeah. I'm good.

utterance: the weather here it's very, excuse me, it's very pretty, sunny.

utterance: Yeah. I see you're in beautiful San Diego. No. Just. Just some surfers.

utterance: Yeah.

utterance: No alligators here though. Uh-huh, no.

utterance: Yeah, really.

utterance: All right Lynn. Is there anything else I can do to assist you today?

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

utterance: Thank you.

utterance: It's been a pleasure speaking to you. Have a great day.

utterance: Thanks.

utterance: Bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. Home of the smart savings and low rate SBA loans. My name's Richard. How can I help you today.

utterance: Hey man. I calling to see if I can get a bank statement.

utterance: OK. Yes. I can help you out with that. May I ask who I'm speaking with?

utterance: Yes. This Juicy.

utterance: Juicy Trey

utterance: Juicy Trey? Is that with a Y or two E's?

utterance: Yeah.

utterance: A Y?

utterance: Oh.

utterance: Or two E's?

utterance: Oh.

utterance: With a Y of course, with a Y. Juicy. Trey. With a Y. Both of them.

utterance: With a Y. OK.

utterance: OK. All right Juicy Trey there's a PIN number that is associated with your Intellibank account. It's four digits long. What is that PIN number sir?

utterance: PIN number, four five six eight.

utterance: All right.

utterance: Pin number, four five six eight. Got it.

utterance: All right. Just give me one second while that account populates.

utterance: I'll be over here. Just juicing. You know.

utterance: All right. So we have that account pulled up. Can you verify your date of birth for me please?

utterance: Juicy Trey was born eleven fourteen eighty-five.

utterance: Eleven fourteen eighty-five. All right. Fantastic.

utterance: All right now Juicy the account number that you are wanting your bank statement pulled from. What is that account number?

utterance: Oh. That's the one. The one the one with the most money in it.

utterance: Yes but do you have the account number handy?

utterance: Oh, man. Do I really. I really got to have all that?

utterance: Well I wanna make sure that I am pulling the bank statement from the correct account. OK.

utterance: Uh-huh.

utterance: Hold up hold up.

utterance: Hold up. Let me go get it.

utterance: Sure.

utterance: Damn.

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

utterance: Hello?

utterance: B S. OK. Fantastic. All right.

utterance: So Mr. Juicy. this bank statement that we're gonna send you Oh. Congratulations! Your account has just been updated to the gold status! So congratulations.

utterance: Gold? Hey! Did you say gold my brot. Hey you say gold!

utterance: I said gold.

utterance: You said gold. That's amazing. Oh man. Yeah. I got gold up in my bank.

utterance: All right.

utterance: Gold up in my bank over here. Gold up in my bank over there. I got that gold baby.

utterance: OK.

utterance: OK. Well congratulations for that. So now the a- the account that we are going to be pulling this statement from what is the range that you would like it? Would you like it for one week?

utterance: Oh yeah.

utterance: No prob.

utterance: That'd be nine months.

utterance: Nine months. OK. Just let me put that information in here.

utterance: And just be advised when we send these bank statements through your email. Well actually let me ask you. Would you like it emailed to you or would you prefer it mailed?

utterance: Give me. Give me the emails.

utterance: OK. Great.

utterance: So email. When we email these statements to you just know that it's a It is a secured email. So the information will not be.

utterance: It's secure? Are you sure?

utterance: It's secure.

utterance: It's secure? You sure It's secure?

utterance: It. Yes.

utterance: Don't be lying.

utterance: I don't want my my. You know my private information all up in everybodys email box.

utterance: Right. And I assure you that's it won't happen like that sir.

utterance: I'm a sue y'all.

utterance: Right well that email will be sent in a secure email So it will be It will be only all that information is privy only to you.

utterance: All right now.

utterance: All right. OK.

utterance: OK. Juicy gonna wait for that.

utterance: Right. And we also well just be informed that there is a one time charge of twenty dollars to send this to you through email. We can bill that to your account that we have here.

utterance: All right.

utterance: All right Juicy

utterance: C- All right. OK. OK. I'm liking. I I I I can dig.

utterance: OK.

utterance: And so that that PDF that we're gonna send nine months of a range. You'll be able to print that out as many times as you need.

utterance: Just give me one second while I populate your your email I'll be sending your way.

utterance: It will also include so links to our online banking as well as our mobile App. So if you have any questions going forward any process processess that you need to be taking care of you can do it on the mobile App.

utterance: All right. All right then. You know how's the weather out there? Cause over here it's hotter than a muh.

utterance: It's it's actually not bad. You know. It's cooled off a little bit so that it should make for some good nights.

utterance: All right so we have you email sent you way and you should have your.

utterance: All ready?

utterance: Yes.

utterance: OK. OK. You good. You good you good. All right Juicy like that, Juicy like that.

utterance: So is there anything else that I can help you out with sir?

utterance: No. Juicy happy. Juicy happy.

utterance: All right. Well thank you so much sir for being an Intellibank customer. Have a great day.

utterance: I really appreciate y'all. Y'all ain't lost a dollar.

utterance: Making me holler. Have a good day. Juicy out.


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

utterance: Yes. So would you be able to tell me the quick liquidity ratio for my business? we are trying to hold an event and the forms for the insurance are asking about it on the loan. so I think I need to get that information so that I can provide what I need to.

utterance: Yeah. I can do that for you. Who am I speaking to today?

utterance: It's Jill Baker.

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

utterance: Just call me Jill. That's fine.

utterance: OK Jill. So you're wanting me to run the metrics that determine your quick liquidity ratio for your business. Is that correct?

utterance: Yes. So just out of curiosity, can you tell me exactly what the quick liquidity ratio measures. And what are the insurance companies use it for?

utterance: Yeah. So the quick liquidity ratio measures a company's ability to meet its short-term obligations. So basically they the that's calculated by dividing the value of a company's assets by the value of their current liabilities. So insurance companies, they will use that ratio to determine a company's company's ability to cover liabilities within that relativity relatively liquid asset. So if an insurer has a a high quick liquidity ratio, it might be. It might put them in a better position to make those payments than maybe an insurer who has a lower ratio, if that makes sense?

utterance: OK. So then that makes sense. I I understand what you say now.

utterance: All right Jill. So do you have an account with Intellibank?

utterance: I do.

utterance: What is your account number Jill?

utterance: Can you give me just a moment so I can grab that? Hang on one second. I need to get my statement. OK. So that's three four six zero two. And that's nine nine eight.

utterance: All right Jill. I I I will just need account number for now. Give me your business name as well.

utterance: It's Johnson Controls.

utterance: OK Jill. And your date of birth?

utterance: That's March second of nineteen eighty.

utterance: All right Jill. So it looks like your account has a four digit PIN number on it for security purposes. Could you also share that PIN number with me as well?

utterance: Yes, so that's six four seven eight.

utterance: All right Jill. And what time frame are we looking at to run this report for you?

utterance: So, I mean for right now can I just do the last six months? I think that is all it's asking for on this report.

utterance: Yeah. I can do that. Let me run these metrics for you. It's going to take just a few moments while it pulls all your account info. Were you were you also wanting me to email a copy of that report to you?

utterance: can you do that? That'd be great.

utterance: Yeah, I can email that to you. Can I confirm your email address Jill?

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

utterance: OK. Let me get this ran for you. All right. They're almost complete. It takes just a few Oh I'm sorry, just a few minutes here. All right Jill. So what I see for you for a quick liquidity ratio is a ratio of point five eight. So that is the ratio they show for the business for the business for the last six months.

utterance: So does it tell you what a normal average is for that? Like what's. What's a normal a normal basis for that?

utterance: yeah. So the scale is the normal average for the QLR as one percent. So you're just slightly lower than than what the average should be.

utterance: Does Intellibank does either report or track that, like do they keep track of it somehow?

utterance: So yeah. Intellibank does track the quick liquidity ratio for business customers but we don't report that anywhere unless it's requested by a by a customer. So we have the ability like obviously as I did for you today to run that report but we don't track it and we don't we don't send that report that we complete anywhere unless it's asked for by a customer.

utterance: So, can you tell me how do you make your quick liquidity ratio better? Do you know how to do that?

utterance: Yeah. So the metrics is based solely off of the information obtained by your account history. Any previously provided information on your financial accounts or your credit report. So, I mean, the basic ways to improve that is is basically by paying down any business debt that you may have. So if you've got loans that are outstanding. If you've got you know, high high ratios on your credit card that you owe. Those are obviously all things that you want to see yourself get paid off and then that will that will change that for you.

utterance: So, how often should it be necessary to run that report. Like, should I be doing that regularly? Should I call up and and get my quick liquidity ratio like every six months, every year?

utterance: I mean again that's that's based solely on you and how you want to report for your business. it's usually generally a good idea if you're if you're getting some kind of new debt. If you're applying for a new credit card, if you've got a new loan, you know, if there was something outstanding that has happened with your business that would change the trajectory as far as what you think your debt might look like, then you can run that report then and kind of get a baseline for what it's showing for your business and then what changes may may may need to be necessary for you to to bring that back that score back up or that percentage back up.

utterance: OK. So you're going to email all of this so I'll have it?

utterance: Yeah, I'm going to send everything to you in an email right now. I'm going to send that report to you that that I just completed. So you'll have all of that to be able to document it. Was there anything else that I can help you with today?

utterance: No. I think that's everything. I'm really glad that Intellibank does this. That's a really cool feature to be able to do this for your business your business customers. That's really nice.

utterance: Well thank you Jill. Thank you for choosing Intellibank. You you should receive that email very shortly.


utterance: Hi, thanks for calling Intellibank. My name is Ruth. How can I assist you?

utterance: Hi Ruth, I'd like to know the exchange rate between the British pound sterling and and what? You know? Let's let's do the let's do the dollar. No. Let's do the Canadian dollar. That's what I need to know. British pound sterling versus a Canadian dollar.

utterance: OK. that is point one five percent.

utterance: Wow that's not bad. I'm gonna have to do something about it. That's great Yeah, awesome.

utterance: Great. Thank you. What else can I? Oh. OK. No no no, you go. I was just gonna ask you what else I can help you with?

utterance: OK. Yeah, I'd also.

utterance: Oh, I'm sorry, go ahead. What were you gonna ask me?

utterance: Oh right. yeah I'd like to apply for an S B twelve loan.

utterance: Ok. so we have an SBA seven A loan. is that something you would like to apply for then?

utterance: Yeah. I think that's what I meant. I I don't know what I was thing with the S B twelve. That's like a wheel to wheel or something I get them confused you know? The names and it's like.

utterance: Mm.

utterance: Yeah. No big deal it's there.

utterance: OK. Great. Well, can I give? Can I get your information? Like your first and last name. Your date of birth.

utterance: Yeah, my date of birth is three eighteen nineteen eighty-six.

utterance: My name is Horace H O R A C E Horace.

utterance: Hollander. H O L L A N D E R. Horace Hollander.

utterance: OK. Thank you so much for all that information Horace. Wha~

utterance: Friends

utterance: Call me H H.

utterance: H H. OK. Well thank you. H H.

utterance: Yeah.

utterance: Thank you. Yeah has a nice ring to it, huh? Yeah H H.

utterance: It does. Thank you for including me into friend category.

utterance: You're very welcome. You sound. You sound very nice and pleasant. And thank you for taking my call.

utterance: Yeah, appreciate that. definitely we appreciate your business here too. So thank you. can I also get your pin number please?

utterance: My pin number is nine eight six three.

utterance: Great. Can I also get your account number?

utterance: My account number is seven nine eight three six four eight thirty-nine zero.

utterance: Great. OK. So I am in your file right now. there is additional security questions considering you want to apply for the SBA seven A loan. the question here. Is what is your father's middle name?

utterance: Oh. Deepak.

utterance: Could you spell that please?

utterance: D E E P A K.

utterance: OK. Great. so, yeah. So how much would you be interested in applying for?

utterance: Well that depends on the terms. What are the terms for the SBA seven A loan, these days?

utterance: OK. So the terms for this loan are. it's seven point nine percent interest for the first twelve months of the loan and then after that it is seventeen point nine percent interest.

utterance: you got anything you could cut me a bit of a deal and stretch out that interest rate a little longer before it balloons up to seventeen percent? Cuz I'm hoping to get it all taken care of before that. But I would need a little bit more time. I think that's gonna.

utterance: Yeah. Excuse me. The one that we have it is for. Like I said it's for twelve months. I'm just wondering if maybe another service might be a better fit for you. But the SBA seven A loan is is pretty. I mean that industry standard is generally it's only at the lower interest rate. For about three months. So we extend ours to twelve.

utterance: I see. OK. That makes sense. That's fine. do you have like? can you send me information about how to apply for a real estate loan?

utterance: Yes. Yes. We can. I can apply you that. We also have our information online as well So if you want it sent to you. I can also send it to you.

utterance: Great.

utterance: Yeah, please please send me that and can you also send me a link for frequently asked questions page, regarding the real estate loan and you know? The required business documentation that I'm gonna need.

utterance: Yes.

utterance: I would be more than happy to do so. What is your email address?

utterance: my name is. Or I mean sorry my name. My my email address is eight dot H dot H at Hollander dot com.

utterance: Horace.

utterance: H H.

utterance: OK. So H dot H at Hollander dot com.

utterance: And I will be sending you information on the Q and A's of the real estate loan and also information on the FAQs. For that as well.

utterance: That sounds wonderful. Thank you do much.

utterance: Great. anything else I can help you with this evening?

utterance: I think that'll do it.

utterance: All right. Well thank you again for calling Intellibank. and you have a great great night.

utterance: You too. Thank you so much.

utterance: You're welcome.


utterance: Good evening. Thank you so much for calling Intellibank. My name is Lindsey, how may I assist your call tonight?

utterance: Hi. I need to update my address, please, on my checking account.

utterance: Certainly, you'd like to update your address on your account?

utterance: yes.

utterance: All right, very good. How are you tonight?

utterance: I'm OK, I just moved. I I'm just trying to get everything done and the important things I don't wanna forget.

utterance: Oh.

utterance: Absolutely. Good for you for being on top of it. let me just get a little bit of information so I can do this for you. may I first start with your name?

utterance: OK.

utterance: Eleanor Spector.

utterance: Eleanor Spector.

utterance: As in Phil Spector.

utterance: He's actually my cousin. But I never met him.

utterance: Oh. Well, all thank goodness. Sorry to say. I'm sorry. Eleanor can I just. I'm gonna verify the spelling. E L E O N O R?

utterance: That's OK.

utterance: It's actually E L E A N O R.

utterance: Oh.

utterance: Thank you. That's why it wasn't.

utterance: Mhm.

utterance: Picking up. And Spector is S P E C T O R?

utterance: That's correct.

utterance: OK. All right. And may I please verify your date of birth?

utterance: date of birth is June twenty-fourth nineteen eighty-nine.

utterance: OK, one moment. OK, very good. And then also you created a four digit PIN or security code for your account.

utterance: yes, can we can you hold for a second? I'll go get it.

utterance: Certainly.

utterance: OK, I have it. Are you ready?

utterance: I am.

utterance: It's two three seven five.

utterance: Two three seven five. All right, let me go ahead and put that in the system. OK, very good. And I see here that you know, as you said, you'd like to update your address.

utterance: Right.

utterance: All right. the current address I have and I'm just gonna repeat it to you just to verify it before I take it out. The old address was one two three four Sunnybrook Lane, is that the one that we're removing?

utterance: Yes.

utterance: All right. Great. I just didn't wanna delete something that you still wanted. All right and what is the new address?

utterance: the new address is one four zero Carricho Drive, and I'll spell that for you.

utterance: Thank you.

utterance: Carricho is C A R R I C H O.

utterance: I'm so sorry, C R.

utterance: no, C A R R I C H O.

utterance: OK.

utterance: OK.

utterance: Drive.

utterance: Drive.

utterance: Uh-huh.

utterance: And the city?

utterance: actually it's unit two.

utterance: Oh, I'm sorry.

utterance: That's OK. Unit two.

utterance: OK.

utterance: Anchorage, Alaska.

utterance: OK.

utterance: And the zip is four zero one three.

utterance: Nine two four. And there's a dash but after the.

utterance: Yeah, cuz the the the zip I only need the six digits, after that the other four will automatically generate.

utterance: Oh!

utterance: OK, then just the first four that I gave you.

utterance: OK. So four zero one three nine two.

utterance: Right.

utterance: OK, great. So let me just repeat this back to you, Eleanor. It is one four zero might be mispronouncing it, Carricho, but it's spelled C A R R I C H O Drive. Unit two. In Anchorage, Alaska. And a ZIP code, again, is four zero one three nine two.

utterance: Uh-huh.

utterance: Mhm.

utterance: Mhm.

utterance: Right.

utterance: All right. One moment, I'm just gonna go ahead and update the system. I do see that your all of your accounts were associated with the old address. So, all your accounts will now be associated with address?

utterance: OK.

utterance: yes, that's correct.

utterance: All right, one moment please.

utterance: OK, very good. That has been accepted. I do want to advise you that it may take six to eight weeks for any mail that you're expecting to arrive because of the changeover. However in the meantime, you can still access anything online or give us a call here.

utterance: OK.

utterance: OK. And while I have you on the phone, is there any other information that you would like me to update? Phone numbers?

utterance: no, I think everything. Well, my you only have my cell and that stays the same.

utterance: OK, yes. And I see that number here on the screen. From your call does match what we have on file.

utterance: Mhm.

utterance: Mhm.

utterance: All right. Well it. Have I satisfied everything that you needed tonight?

utterance: yes, you have. Thank you.

utterance: You're very welcome. Thank you for letting me provide you with outstanding customer service, hopefully.

utterance: Yes, you have. Thank you.

utterance: Great.

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

utterance: Thanks.

utterance: Bye.


utterance: Good afternoon. Thank you for calling Intellibank. This is John. How can I help you today?

utterance: Hi John, my name is Stephanie.

utterance: Hello Stephanie, why are you calling in today?

utterance: I'm calling in because I unfortunately lost my debit card. But it's for my business account. So I really just wanna see what we can do about getting me a new one.

utterance: OK debit card, that sounds good. I can help you with that Ms. Stephanie. could I get your last name and then also the name of your business?

utterance: OK, so my name is Stephanie Garcia and my business name is Golden State Window Wash.

utterance: Perfect, let me get that information pulled up here. And by the way awesome business name that's pretty cool. Golden State Warriors as well.

utterance: Oh, that's awesome. Yeah, I love Golden State.

utterance: That's great to hear.

utterance: It is a great team.

utterance: It is. They have a lot of great players and yeah, they're doing pretty well. Been injured a couple years but hopefully they bounce back this year.

utterance: Yeah, the season just started so it should be looking good hopefully.

utterance: Yeah, who's your favorite player?

utterance: Curry Stephen Curry.

utterance: Oh OK, yeah he's a good player. Mine is Klay Thompson.

utterance: Oh, that's. Yeah he's pretty good.

utterance: Yeah.

utterance: I think they're all pretty good. But I'm biased cuz you know I like the team.

utterance: Yeah, I could see that happening. So let me get that information pulled up here. And it's also asking me for a security PIN on this account. Could you provide that for me please?

utterance: Yeah, my security account PIN is three six seven nine.

utterance: Perfect. Awesome. and then where was when was the last time you used the debit card?

utterance: So the last transaction should be for three hundred dollars at a supply store.

utterance: OK.

utterance: So any other charges after that definitely wasn't me so.

utterance: Awesome OK. So it looks like there was only one other charge made but it looks like it was made a couple of days ago.

utterance: OK.

utterance: It was for. I think it was a supply store.

utterance: Then yeah, I mean that was me.

utterance: Awesome, awesome. was this how long ago did you lose the card was it today?

utterance: Today.

utterance: OK, Perfect, Perfect. So what I'm going to do is I'm gonna place a block on this card. and then order you a new one if that works with you?

utterance: yeah, that definitely works out for me. I'd rather be safe I've looked everywhere I can not find this card. So I'd rather just take the safe route and get a new card.

utterance: Awesome, so there's one or two ways we can actually get this taken care of for you if you do need a new card ASAP you can go into one of the branches and they'll be able to print one out there for you. if not I can get this express sent to you. You should receive it in the next three to five days.

utterance: I can go and stop into one of the branches just whenever I I have free time. I'll stop in because I do need this card.

utterance: Awesome, well what I can do here is for the inconvenience I could actually set you up with a appointment. So they know you're coming. So it can be a faster transaction. I know tomorrows will be Friday. And it's very busy at our local branches.

utterance: OK, yeah we'll go ahead and set up an appointment.

utterance: OK, what time and day works best for you?

utterance: Tomorrow three p.m..

utterance: Three p.m. awesome and which location?

utterance: Southeast.

utterance: Southeast, is that the one on Turbulent Street or Blinderbottle?

utterance: Turbulence.

utterance: Perfect.

utterance: I'm. I'm looking at their calendar right now. It looks like they have a three twenty-five available. Would that work? OK. And you're actually will be meeting with a guy named Jesus.

utterance: OK, that's fine.

utterance: OK.

utterance: OK, awesome. is there anything else I can help you with today Miss. Garcia?

utterance: how about just checking my credit card for the business account's balance.

utterance: Yeah, I could

utterance: I could do that for you. Mm, certainly. let me see. Let me log onto that system there. So any plans for the weekend?

utterance: OK.

utterance: just this appointment that I'm going to tomorrow but that's about it.

utterance: Disappointment what's that?

utterance: The appointment for the card?

utterance: Oh, your appointment. I

utterance: Thought you said disappointment. I'm sorry I misheard. It's pretty loud in the call center. I do apologize. I am getting that information for you. So you. It looks like you have a balance of two thousand two hundred. and that's the balance you owe. it looks like the next payment will be due in two days.

utterance: This appointment.

utterance: OK.

utterance: And then also you have available balance of seven thousand five hundred dollars.

utterance: OK all right, that sounds about right. So I'll just meet with your representative tomorrow for my appointment.

utterance: Awesome, just show up at the location there at southeast at Turbulence Drive. And they'll be able to help you. And you'll be meeting with Jesus.

utterance: Oh.

utterance: OK, thank you.

utterance: You're welcome have a good day.


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

utterance: Hi, I how can you help me that's a good question. I've been trying to get help this entire time so what I wanna do is to apply for a line of credit. Do you think that you can do this for me or are you gonna give me the run around like all the previous agents that I've been on the phone with? How can you help me?

utterance: Oh, well I'm not sure what anyone else has been telling you today and I apologize for that. But I can absolutely help you today. let's start with your name.

utterance: Yes, absolutely my name is Don Jerome.

utterance: Don Jerome.

utterance: Yes, D O N Don Jerome J E R O M E.

utterance: All right, Mr. Jerome can I have your social security number and the PIN number to your account?

utterance: This is protected? Nobody's listening or anything like I can. This is a secure line that I can transfer this information correct?

utterance: Yes, let me turn off my Facebook live for a second. now we're secure. I'm just joking. Yes, we are very secure.

utterance: That is that is not appreciated. my social security is five two five six nine seven three two four and if you could take a more professional attitude that'd be much appreciated.

utterance: My apologies Mr. Jerome.

utterance: while you're at it I actually have some other questions about my account. what is my limit? And also what is my current limit? And also what what kind of a what is the next step for applying for a loan?

utterance: OK, you mean your current limit for your traveler's card?

utterance: Yeah, the. Whichever card I have on file. I have one card.

utterance: It's thirteen thousand.

utterance: Great.

utterance: And what was your second question?

utterance: let's say hypothetically that I I wanted to apply for a loan. what kind of what kind of what kind of loan would would I be would would be suitable for for my business?

utterance: let's see here. You're a small business owner. You already have a traveler's card I think a term loan would be appropriate for you.

utterance: Great let's do it.

utterance: All right, let's do it. Let's see here. It's gonna be under your name correct?

utterance: Yes.

utterance: All right. Can I get that social again?

utterance: Five two five six nine seven three two four.

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

utterance: tux tux that's T U X T U X at Gmail dot com.

utterance: T U X T U X at Gmail dot com. I'm gonna go out on a limb and say that's also the name of your business Tux Tux?

utterance: actually it's Don's Tux Rental. For some reason that was taken at the domain and I had to go with tux tux.

utterance: Got it. Don's Tux Rental. And the date that you were established?

utterance: September thirtieth two thousand fifteen.

utterance: All right, and you're the sole owner?

utterance: Yes, yes that would be me.

utterance: Perfect. And what are your gross annual sales?

utterance: my gross annual sales would be around four hundred, five hundred thousand.

utterance: All right, five hundred thousand. Let's see here. Do you have your tax ID number handy?

utterance: Yeah, seven zero one four zero eight.

utterance: Seven zero one four zero eight. Thank you for that. All right and what's the the address to your business?

utterance: fourteen hundred Industrial Drive, San Francisco, California nine zero two one seven.

utterance: Nine zero two one seven. Perfect. Is that also a good mailing address?

utterance: Yes.

utterance: Thank you Perfect. And what's the amount that you'd like to get a loan for?

utterance: let's see I think the amount that I would need would be a fifteen thousand dollar loan.

utterance: Fifteen thousand All right, and the purpose?

utterance: I need new tuxes man.

utterance: Got it. New tuxes, new merchandise. And what type of term are you looking for here Mr. Jerome?

utterance: I would like it to be the fastest term possible. We are a a a quick pace business.

utterance: OK, twelve months that's the lowest we offer. But you could also pay it off as fast as you like.

utterance: You know what? I don't need financial advice I just need the loan.

utterance: Right, my apologies. All right, I'm processing your request here. bear with me OK, it looks like you were approved congratulations. I'll be sending you a confirmation email with all the information in there. I encourage you to look over everything all the details. Is there anything else that I could help you with today?

utterance: No, I'm done.

utterance: Well thank you so much for calling Intellibank today. My name is Jerome and I thank you so much.


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

utterance: Yes Jerry. what's the price of the GAP stock?

utterance: Certainly. I'll be glad to assist you with that ma'am, and if you would, I'll just need to ask you a few questions to pull up your account. What's your first and last name?

utterance: Evelyn Richard.

utterance: And Miss Richards, what is the name of your business that you have on file with us?

utterance: Jones Bed and Bath.

utterance: All right. Thank you for that.

utterance: You're welcome.

utterance: And Ms. Richards, I'll need to verify your account, because we do take your account security very seriously here. and of course. this for you and your business's protection. Miss Richards. What is your date of birth?

utterance: Eleven, eleven eighty-four, and my phone number is six seven eight, two zero two four two five three.

utterance: And Miss Richards, what is your account number?

utterance: All right. Can you hold on for just a moment and let me get it? All right. It's nine eight four six five nine one.

utterance: Sure.

utterance: OK. Thank you for that Miss Richards. And Let's see here Miss Richards. What is your PIN number?

utterance: One zero seven one.

utterance: OK. Thank you for that.

utterance: OK. You're welcome. You know. I am so happy about the holidays coming up. Thanksgiving. You know. It's already that time of the year. And it's just great the weather's beautiful and just it's it is a a lot going on, is still going on, but it's just a time to be thankful.

utterance: You're right Miss Richards. I couldn't agree with you more. It's a beautiful time, Thanksgiving, to enjoy, re flect think about the success of your, the year, the beauty of your family and the opportunities for your business.

utterance: Exactly. And it's just good to be here to do it.

utterance: Yes, indeed. particularly after a year, year and a half of a pandemic.

utterance: Yes, and up and down and down and up.

utterance: Yes, ma'am. Yes, I agree completely with you there Miss Richards. Now you mentioned of course that you wanted to have a idea of what a price is of a share of GAP stock? Miss Richards, do you know what the symbol is for The GAP?

utterance: Yes.

utterance: Yes, it's GPS

utterance: All right. Yes, I was able to pull that up. and it appears Miss Richards, that the price of the GAP stock is twenty-four dollars and seventy-seven cents for one share of GAP stock.

utterance: OK. I appreciate you getting that info.

utterance: You're welcome. And with that being the case, Miss Richards, is there anything else I can assist you with?

utterance: Yes. What is the, balance on my Complete account?

utterance: Sure. Well. It appears that you have the Business Total Checking account with us Miss Richards, and the balance in that account presently, is a hundred and seventy-three thousand two hundred and ten dollars.

utterance: All right. A hundred seventy-three thousand two hundred ten dollars.

utterance: Yes, ma'am.

utterance: Great. OK. Well, thank you very much.

utterance: You're welcome Miss Richards. And by the way, in case you're unaware you can go online and visit our website. And are you familiar at all with our online banking?

utterance: Yes.

utterance: OK. If you are, terrific. You know that you can access our website. And as you access the website you, of course, can review your account information. You can update your address, phone numbers, emails. You can monitor and review your account balances. Additionally, if you wanted to review, or look up a quote for GAP stock, or Tesla, or Apple, or whichever company, you're also able to right there online pull up and see what the price is for a share of any particular stock.

utterance: OK. Well, thanks a whole lot for that.

utterance: Ms. Richards, is there anything else I can help you with? Thank you. You as well. Bye.

utterance: No, not today. I appreciate your help. You have a good one.

utterance: All right. Bye bye.