utterance: Hi. Thank you for calling Intellibank. My name is Maria and how may I assist you today?

utterance: Hey, Maria. This is Angela. I had called and spoke with you earlier I think.

utterance: I was needing to update our street address. I'm calling with York Steak House.

utterance: We finally got moved into our new location and again, I had I had called earlier to update that information.

utterance: But, I had forgotten that I needed the PIN number and I didn't have that with me at the time but I do have that now.

utterance: So, would I be able to go ahead and update our information?

utterance: Yes, ma'am. And, I do recall speaking with you earlier Ms. Angela. I'm glad you were able to get that information.

utterance: let's get everything typed back into the computer so we can go ahead and update your street address. OK?

utterance: OK great! Thank you, Maria.

utterance: Yes, ma'am. Now, I do have your first name as Angela. That's spelled A E excuse me A N G E L A. Correct?

utterance: Yes ma'am. That is correct.

utterance: Thank you so much. May I also have your last name please?

utterance: Sure. It's Freeman. F R E E M A N.

utterance: Thank you so much, Miss Freeman. And, may I also have your date of birth please?

utterance: Yes, absolutely. It's September the third, nineteen sixty-four.

utterance: I have September the third, nineteen sixty-four. And, may I have that PIN number please?

utterance: Yes, ma'am. Absolutely. It is one three two eight six six six eight.

utterance: Thank you, Miss Freeman. I have one three two eight six six eight.

utterance: Yes, ma'am.

utterance: Thank you. All right. I am showing that your address on file is nine six zero one Roosevelt Avenue in Brooklyn, New York. That is the address that you need to change, correct?

utterance: Yes, ma'am. That sure is. Our new address is twenty-seven four ninety-eight Sherman S H E R M A N Heights H E I G H T S Road. And, that is also in Brooklyn, New York.

utterance: Thank you so much, Miss Freeman. I now have your new address as two seven four nine eight Sherman S H E R M A N Heights H E I G H T S Road in Brooklyn, New York. Was that correct?

utterance: Yes, ma'am. It sure is.

utterance: OK. Well, I do have that changed for you, Miss Freeman. Was there anything else that I could assist you with today?

utterance: yes, ma'am. A couple of things. Real quick, just to follow up to the address, our new statement will it be sent to our new address or did I catch you guys too late?

utterance: Yes, ma'am. We still have about another week before we send out the new statements.

utterance: So, your statement will be sent to your new address at Sherman Heights Road.

utterance: Ok, great! And, also could I go ahead and check the available balance on our Intellibank Business Golden card?

utterance: Miss Miss Freeman, did you perhaps mean the gold card?

utterance: Oh, yes. Yes, ma'am. If you can't tell it's been an extremely long day. I do apologize.

utterance: Is the available balance for the Intellibank Business Gold card. Sorry about that.

utterance: That's quite all right, Miss Freeman. I'd be more than happy to assist you with that. May I have that credit card number please?

utterance: Absolutely. The card number is five one five four six zero nine eight two five three eight one zero four zero.

utterance: All right. I have five one five four six zero nine eight two five three eight one zero four zero.

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

utterance: Thank you so much. Just one moment.

utterance: I'm showing that available balance is three thousand seven hundred thirty-four dollars and fourteen cents.

utterance: OK. So, thirty-seven thirty-four fourteen. Is that correct?

utterance: Yes, ma'am, Miss Freeman, it sure is.

utterance: OK great! Well, thank you, Maria. You have been a wonderful help today. I appreciate ya.

utterance: Yes, ma'am, Miss Freeman. Was there anything else I could assist you with?

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

utterance: And, thank you so much for calling Intellibank and have a wonderful day.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes sir I would like to get the current exchange rate for US dollars to the Canadian dollar.

utterance: OK thanks I'll be more than happy to assist you with that ma'am. And if I could just ask what is your first and last name?

utterance: Evelyn Richards.

utterance: OK Ms. Richards do you have a account with us?

utterance: Yes.

utterance: OK and what is the name of your business account with us?

utterance: Jones Bed and Bath.

utterance: OK yes ma'am. let's see here. the exchange rate from the US dollar to the Canadian dollar is for every US dollar that converts to one dollar and twenty-four Canadian dollars.

utterance: Oh OK. All right what and now is there another way I can check without calling?

utterance: absolutely you can simply go to our website and if you go to our website we have a section there about currency rate exchange or currency exchange. And from there you can then calculate what those exchange rates are and again that's as of that day.

utterance: That's very good I appreciate you telling me that. OK all right. So you know I'll tell you. I was so sorry to hear about Mr. Colin Powell's passing.

utterance: Yes that was certainly all over the news. He was considered by many to be a American icon a giant figure in world history. And certainly he helped to shape global history over the past really thirty years.

utterance: Yes very great character man of. You know I just really was sorry to hear that.

utterance: yes ma'am. I can certainly understand how you feel there as many also feel that same way. I'm sure it's gonna be a very big if you will celebration for his life in Washington in the next few days.

utterance: Well good good. OK I appreciate that. Now I wanna also you know get the fifteen thousand dollar amount you know to the Canadian dollar.

utterance: Oh Sure.

utterance: Please.

utterance: sure I'll be happy to help you to convert the US dollar to the Canadian dollars. I've given you the exchange rate. but I'll give you the exact amount for what that would be fifteen thousand US dollars in Canadian dollars. But let me just verify a little bit of your account information. first before I'm able to do that OK?

utterance: OK.

utterance: Ms. Richards if you would. What is the phone number on your account?

utterance: Six seven eight three six one eight zero three one.

utterance: And Ms. Richards what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right and Ms. Richards what is your business account number with us?

utterance: That's nine eight four six five nine.

utterance: And Ms. Richards what is the PIN number on the account?

utterance: One zero one seven.

utterance: OK yes ma'am I was able to verify and confirm that and yes it appears that indeed we have your account information up here. So just so that you know to convert fifteen thousand US dollars to Canadian dollars. That figure totals to eighteen thousand five hundred and seventy Canadian dollars.

utterance: All right thank you very much just let me repeat it eighteen thousand five hundred seventy.

utterance: Yes so fifteen thousand US dollars converts to eighteen thousand five hundred and seventy US dollars and again. that is as of today. It does change from the day to day because the currency rate exchange rate does change daily.

utterance: OK I did not know that.

utterance: Not a problem at all. Were you looking to for instance conduct or request an international wire transfer?

utterance: No not today.

utterance: OK not a problem. Well is there anything else I can help you with?

utterance: Yes I'd also like to update my email address.

utterance: Oh not a problem at all. I already have your account information up here now so. What is the email address that you wanted to change this to?

utterance: Evelyn dot Richards at J B B dot com.

utterance: OK that's Evelyn dot Richards at J B B dot com?

utterance: Yes.

utterance: All right I have gone ahead and processed your request. And I see that we've got that updated in the system. as your new business email address.

utterance: All right!

utterance: No not today.

utterance: Well fantastic and again if you have any further questions about the currency exchange rates you can again visit us online or give us a call here at the helpline.

utterance: Well you know I thank you for all your help.

utterance: Thank you Ms. Richards for your business and you have a fantastic day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye bye!


utterance: Thank you for calling Intellibank. My name is Steven. How can I assist you today?

utterance: yeah. I had to let my accountant go and I was wondering if there was somebody at there that can help me with some of the duties that my accountant was performing.

utterance: yes sir. I believe You. I think what you're wanting to know is if we have a financial adviser that you can speak with.

utterance: yes. That would be great.

utterance: All right sir. Well yes, we do have financial advisers on staff here who can assist you with most most questions that you might have. would you like to go ahead and schedule an appointment with one?

utterance: yes.

utterance: All right. Give me just one minute here. Let me pull up that page. OK sir. Can I have your name please?

utterance: Dan Thomas T H O M A S.

utterance: Thank you. And your date of birth Mr. Thomas?

utterance: May twelfth nineteen sixty.

utterance: All right. And your security PIN number please?

utterance: One zero six two.

utterance: Thank you very much. And Let's see. We're going to be setting up an appointment with a financial adviser. And what date would you like to request that appointment on?

utterance: let's do next Tuesday.

utterance: OK. I can certainly do that. And what time would work best for you?

utterance: afternoon, if you've got something available.

utterance: OK. Let me check. Mm yes. I. Looks like I have got an appointment at one forty-five, two fifteen, and one at three fifteen. Do any of those times work for you?

utterance: hang on a second while I check my calendar.

utterance: OK. No problem.

utterance: OK. I've got an appointment open at one fifteen.

utterance: OK. Let me see if I've got one there. no. It does look like the closest I have to that is the one forty-five.

utterance: OK. That will work.

utterance: OK. So we're gonna do one forty-five next Tuesday. And would you like to have this appointment online or in person?

utterance: online would be great.

utterance: OK perfect. I can get that set up. can you verify your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: All right. Thank you. so that is the email address that you will receive your appointment link to. you will get an email the day before to remind you. And we'll have a link that you can click on and it will take you to a secure web browser. where that teleconference will take place. we do advise that you have a webcam connected to whichever device you use to go or attend that meeting on. But it's not required. It just generally does make things easier.

utterance: OK. are there any documents that I might need?

utterance: our financial advisers will have access to most of your banking documents for any accounts that you have here with Intellibank. but if there are other questions that you have related to your business in general or any kind of tax documents or anything like that. Then you would probably want to bring those with you.

utterance: OK. can you tell me what other services that you offer?

utterance: Yes I can. So we have three types of business credit cards. Two levels of business checking accounts. A business savings account. A Intellibank wealth management investment account. And then we offer a variety of business loans. And then we also have other specialists here on staff, such as tax specialists, risk assessment specialists, and and investment specialist that are here free of charge to our customers to take advantage of if they should have any questions or need assistance with those specific topics.

utterance: OK. I may need some other services. So let me give it some thought.

utterance: OK. And just so you know you can schedule these appointments online through our online banking portal.

utterance: OK. That sounds great. I've got online banking so I'll I'll get on there and and look around.

utterance: OK. Well that's great. Yes, you can schedule them online. Or you can always feel free to call our customer service center here and talk to one of our agents, who will be more than happy to assist you with whatever questions or concerns you might have.

utterance: All right. That sounds fantastic.

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

utterance: I don't believe so.

utterance: OK. Well thank you for choosing Intellibank, and you have a fantastic evening.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.


utterance: Thank you for calling Intellibank. My name is Jake, can I get your first and last name, please?

utterance: Yes. This is Monica Stevens.

utterance: OK, Ms. Stevens. Can I get your date of birth?

utterance: One one nineteen sixty.

utterance: OK, And for security purposes, can I get your email that we have on file?

utterance: Yes, that's organic peach at Gmail dot com.

utterance: OK. And also for security purpose, can I get your state ID or driver's license?

utterance: Yes. That's PG one three three seven four eight.

utterance: OK, and how can I help you today?

utterance: Yes. I wanted to open up a business loan. That five oh four.

utterance: You say you want a five oh four?

utterance: Yes. Or wait. Wait. Wait. Lemme. No, it's seven A.

utterance: A seven A?

utterance: Yes, seven A. That's what.

utterance: OK.

utterance: OK.

utterance: I opened up one of those before, so.

utterance: Oh, yeah I I get it. I definitely get it. It's so many of them .

utterance: Yeah.

utterance: I'm so glad that we only deal with two of them but still. Even I can't wrap my head around it.

utterance: Yeah.

utterance: The seven.

utterance: A loan. Yes, that's the one.

utterance: And how much are you looking for today?

utterance: twenty thousand.

utterance: Twenty thousand?

utterance: Yes.

utterance: OK. And, what business is this for?

utterance: This is Tina Incorporated.

utterance: Tina Incorporated. OK.

utterance: Yes.

utterance: Do you have a tax ID for that?

utterance: Yes. Two three six seven nine zero.

utterance: OK. How do you Can you confirm the address, please?

utterance: Yes. Eleven thirty-seven Apple Street New York, New York one zero zero zero three three, yeah, three.

utterance: One zero zero three?

utterance: Yes.

utterance: OK. And, do you have the business PIN for it?

utterance: Oh, yes. It's four eight seven two.

utterance: All righty. Now we're cooking.

utterance: All right.

utterance: And you say you want a seven A loan, for twenty thousand?

utterance: Yes.

utterance: OK.

utterance: It'd be for my product.

utterance: OK. Oh, that's what I was gonna ask you next. you say it's gonna be for your product?

utterance: Yes.

utterance: OK. So inventory. Anything else? Like electric bill or

utterance: No, this is mainly for the product.

utterance: Mainly for the product? OK. All right. Let's check the credit score. Not too bad. Not too bad. Also, just a heads up, they might send you a email for updated resume or documents to make sure everything is copasetic.

utterance: Yes.

utterance: Oh, OK. No problem.

utterance: And then do that over the app, right?

utterance: Yes, you can. I was just getting ready to inform you that. Also, I gotta ask. Do you have anything of your own possession that we can use as collateral?

utterance: the building.

utterance: The building.

utterance: I own.

utterance: The building.

utterance: Own the building, OK. All right. That should suffice. And, do you have any references?

utterance: Yes I do. I have a personal reference, Lisa Morgan, at six one eight five four two three two seven two.

utterance: And that's Lisa?

utterance: Yes. Lisa Morgan.

utterance: Lisa Morgan?

utterance: OK.

utterance: And I have two vendors. Gaslight company at six one eight six two one zero eight eight three. And Arizona Company, six one eight five four two one zero zero seven.

utterance: OK. how long have you

utterance: it's been about seven to eight years.

utterance: For your vendors?

utterance: Yes.

utterance: OK. How long have you known Lisa?

utterance: Oh, for a very long time. At least twenty twenty-five years.

utterance: OK. OK. That's a good friend. .

utterance: Yeah.

utterance: Not many out there like that.

utterance: No.

utterance: All righty, OK. Look like we have everything that we'd need I just put in the the application.

utterance: OK.

utterance: give it twenty-four hours usually how long they take to say if you're approved. if they need more, they might might go on to fourteen days.

utterance: Oh, OK.

utterance: And again, like I said, they might need a resume or documents and they'll let you know.

utterance: OK.

utterance: No problem.

utterance: Other than that, is that all I can do for you, Ms. Stevens?

utterance: Yes.

utterance: That's about it. I appreciate your help. You have a great day.

utterance: All right.

utterance: You too, and thank you for calling Intellibank.

utterance: All righty, bye.

utterance: Bye bye.


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

utterance: Hi Barbara. I saw online that you guys have got financial advisors there that can meet with me or my CFO and I guess help us through some of our financial literacy stuff?

utterance: We sure could do that. Perfectly fine. We have a financial advisors on staff and have be happy to set you up with an appointment with one of them.

utterance: OK. And is there a fee for getting an appointment with one?

utterance: No sir, that is free to our customers.

utterance: OK. Well yeah let's go ahead and get that appointment set up cause we could definitely use some advice.

utterance: OK. let me get gather a little information from you OK? I need your first and last name.

utterance: Alright.

utterance: It's Jerry Hoffman. H O F F M A N.

utterance: And your date of birth?

utterance: Is July twenty-first nineteen seventy-eight.

utterance: Alright sir and do you have a preferred appointment date?

utterance: Yeah, can we do this friday?

utterance: Let me double check. It looks like I only have two available points appointment times on friday.

utterance: OK. And what are those?

utterance: There is a one thirty and a four thirty.

utterance: OK. Well one thirty would definitely work for us.

utterance: OK. Let me put you down for that. And Mr. Hoffman, do you have a PIN number for me please?

utterance: Yes I should. Let me let me dig around here for a minute and see if I can find it. OK so. I probably really should know these things off the top of my head I I got so many numbers I gotta keep track of I never Sometimes I can't remember. Your day going pretty good so far?

utterance: OK. No problem. Whenever you're ready.

utterance: I understand.

utterance: So far. It's the start of the week, so just getting moving along.

utterance: Well, yeah. The beginning of the week's always kind of rough but but if it's going good, that's good. well I am digging around in here and I cannot find the little piece of paper that I wrote it down on. And give me just a minute. Let me go next door and see if my business partner has got his.

utterance: Mhm.

utterance: OK. That's not a problem, I'll be here. OK.

utterance: OK. Give me just one minute.

utterance: OK I'm back.

utterance: OK. Mr. Hoffman, whenever you're ready.

utterance: well he doesn't remember what mine was either.

utterance: OK well I think we can get around that issue. I've gotten your. Could you just verify your business address for me?

utterance: yeah. seventy-six Sunbeam Drive.

utterance: OK.

utterance: OK.

utterance: Buffalo Grove, Illinois. Six zero zero eight nine.

utterance: Wha~.

utterance: OK.

utterance: Alright. actually I'm I'm looking through here and it's this. There's notes on the account that says that a PIN number is absolutely required. I'm afraid I'm gonna have to have you call back. I can hold this appointment for you for. Till the end of business day if you wanna call me back with that PIN number and I can get that set up.

utterance: OK. I. Yeah go ahead and hold that if you can.

utterance: And one more thing. Did you want that online or in person?

utterance: online would be preferable.

utterance: OK. All right well I'll tell you what if you get me that information, we just need a PIN number. And any of our representatives can help you. I've made a note on here to hold this appointment time for you, that's Friday at one thirty. until the end of business today.

utterance: OK. And if for some reason I can't find that PIN number how do I go about getting that changed so I can access my account again?

utterance: we can do that for you. Or you can access the online banking, and go in and change your PIN number for you.

utterance: OK. all right, well I will keep looking and see if I can find that number.

utterance: All right, well good luck sir. Is there anything else I can help you with? Alright, thank you. Have a great day!

utterance: no I don't think so.

utterance: You too! Bye.


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

utterance: Hi William. I'm I'm looking to open one of those money market accounts I was told you guys have those here.

utterance: we do not but we have multiple different kinds of business savings accounts. If you would like to open up a savings account.

utterance: Oh yeah, OK let's open up a savings account.

utterance: OK. to do that I'm going to need to start by getting your full first and last name.

utterance: Yeah it's Celia, C E L I A. U Y U.

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

utterance: August fifth of ninety ninety-two.

utterance: All right. And what is your address?

utterance: My address is six hundred eight Ridge street.

utterance: OK. And your social security number?

utterance: hold on I have to fish out my card. it's eight five eight six three nine six one four.

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

utterance: my California's driver's license is Y one seven zero zero three five six.

utterance: OK.

utterance: And what is your email address?

utterance: Celia dot Uyu spelled the same way as my name at Gmail dot com.

utterance: All right.

utterance: And what is your business's name?

utterance: Name is Celia's Jewelry.

utterance: OK. And are you the sole owner?

utterance: Mhm.

utterance: OK. And what was the date that your business was established?

utterance: it was about five years ago I think, on June first of twenty sixteen.

utterance: OK. And I'm gonna need your gross annual sales.

utterance: Yeah, it's usually about a hundred seventy thousand a year.

utterance: All right. And what is your tax ID number?

utterance: Tax ID number is six three zero three nine two two one.

utterance: All right. And what is your business' address?

utterance: I believe that it's registered to the same address as my mailing address.

utterance: OK, no problem there. Just same as home address. OK. So I've got this all set up for you.

utterance: OK this savings account, is there like a fee for it?

utterance: no as long as you keep a hundred dollar balance. would you like to transfer money into that account today?

utterance: I think I can take care of that later online.

utterance: OK, yeah absolutely. You will have thirty days to do that. is there anything else I can help you with today?

utterance: Yeah I heard there's a way that you can take the money in the savings account and like invest it and like stock market, Wall Street?

utterance: Yeah, would you like me to send you stock market purchase information?

utterance: Yeah, yes please.

utterance: I can email that to the same address that you gave me earlier. Is that all right?

utterance: Mhm.

utterance: Yes, please.

utterance: All right. Anything else I can help you with today?

utterance: I think that's all.

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


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

utterance: Yes ma'am, how are you today?

utterance: I'm doing great, how are you?

utterance: I'm doing pretty good myself, thank you so much. I am calling to check on one of my loans for my business account and see my remaining balance on that and see when my next payment is due.

utterance: Sure sir we can help you with that no problem. I'm gonna have to ask you some questions to verify your identity. Can I have your full name please?

utterance: sure.

utterance: My name is Gene Grobe.

utterance: OK, thank you for that. And could you give me your date of birth?

utterance: It's nine seventeen nineteen seventy-three.

utterance: OK, thank you for that. And what is your address?

utterance: It's seventeen Mollusk Street, Seth West Virginia one, five, two, one, one.

utterance: OK, thank you for that. And can I have a pin number for your account?

utterance: Five, six, three, two, nine, two.

utterance: OK, thank your for that and could you verify your email?

utterance: My email? Yes. Gene Grobe at Yahoo dot com. My social is two, three, eight, seven, four, one, two, four, five. My driver's license is W, V, E, one, eight, three, seven, three. My pin number for my checking is three, two, three, one. Is that?

utterance: yeah that's fine sir. Thank you very much for that. Now you said that the reason for your call was to check about your loan?

utterance: Yeah let me see how much I left on it. and and my you know my remaining balance and see when my next is my next payment is due.

utterance: Sure we can help you with that. No problem, we can help you with that. could you please give me your loan account number.

utterance: And make.

utterance: Sure my last payment did go through.

utterance: Loan account number? Sure. It's three two two nine one two six one three.

utterance: OK. Thank you for that, sir. OK, let's see. and I need you to answer a security question. what was your favorite pet?

utterance: Favorite pet? Was Skeeter.

utterance: OK.

utterance: And yeah my my old lady was talking about got something in the mail about the payment. I know I paid it, maybe. Maybe it just came late and I already paid, I just wanted to double check on that.

utterance: OK, sure sir no problem. OK give me just a second to pull this up. OK. It looks like here that your balance is three thousand five hundred and you made your payment of two hundred and fifty-eight dollars it looks like last week on the tenth.

utterance: Oh, great.

utterance: So yes, we do have that payment that you did make.

utterance: OK, wonderful.

utterance: OK and it looks like you're right on time with all your payments and everything looks good.

utterance: Fantastic.

utterance: Yes, so everything there looks good Is there any way that I could talk to you about our online banking, are you interested in that?

utterance: Oh yeah the first thing. Have you seen them new silky chickens that they got? They look like they got fur on them, they're fuzzy little critters. They're called silkies. I don't know if you've seen them at the at the fair or not this year. I know not everybody goes to the fair. .

utterance: Oh.

utterance: Wow.

utterance: I'm I'm maybe I'm just dumb but they're called silkies. They're the neatest little chickens I've ever seen.

utterance: Well, that's really cool sir, thank you for telling me.

utterance: You familiar with them?

utterance: I'll.

utterance: I'll have to check that out. Actually, no I'm not. But I will definitely check that out the next time we go to the fair.

utterance: That's cool it's supposed to freeze tonight too so be be careful going home.

utterance: OK sir, thank you very much. And the online banking, are you familiar with that?

utterance: OK.

utterance: yes I do have my desktop app but I do not have the mobile app yet. what's what do I go under to get that?

utterance: OK. You wanna go under Intellibank dot com that you can download it in the Google Play Store. And it's really great for making transactions after hours. if you have a checklist deposit that you'd like to make you just take a picture of your check and you can send it in that way. You can also check our loan your loan balance easier that way if you don't feel like calling or you can't get into one of the branches and it has all your information listed there as long as you have all your information. And it can be a real convenience for you that way.

utterance: OK.

utterance: Yeah I'll definitely do that cause I'm out of the house more than I am at home. And can I can I get my balance again, I totally forgot to right it down.

utterance: Sure sir. It was three thousand and fifty-eight dollars.

utterance: OK, sorry about that.

utterance: That's OK and we and we got your payment of two fifty last week.

utterance: Sorry.

utterance: Thank you, awesome.

utterance: No problem sir. And is there anything else I can help you with today?

utterance: I guess that's pretty good. I might get in touch with you soon about some small business loans.

utterance: OK, no problem sir and thank you for being a valued customer of Intellibank and thank you for calling.

utterance: Thank you ma'am.

utterance: All right, honey. Bye bye.

utterance: Bye bye.


utterance: Oh.

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

utterance: Hello. How are you?

utterance: Doing great, and yourself?

utterance: I'm doing great. My name is Ryan. Ryan Allen. And Yeah I I was calling, I've been calling all day man and Thanks. God, somebody actually answered the phone so

utterance: sorry about the.

utterance: Wait, sir. We are going through a busy time but I'm happy to help you with any of your banking needs now that you're through.

utterance: Absolutely, man. well you know, you kinda sound like a a good a good person here. So I actually I I run a a a a betting a betting company or whatever, so you know, online betting and sports, for sports betting. you sound like a good guy. Let me ask you. Who's your pick Super Bowl? Who's your lock? Who's going in?

utterance: Wow.

utterance: Sorry, wish I was a football fan, but I I'm not sure I know. But I'm sure you have a good read on the situation. Do you have any?

utterance: Any, any basketball? You do basketball?

utterance: I'm. .

utterance: Baseball? I mean we do it all.

utterance: I don't.

utterance: Oh wow. That sounds like a full service business. yeah I'm not a big sports guy but that sounds like a a very interesting business you're in.

utterance: Yeah. I I I ask everybody I get on the phone with, man that's just kind of you know the little superstition or you know the the like you know hey you might just randomly pick the right one. So that's. Hey that's cool.

utterance: Well.

utterance: That's cool. That's cool.

utterance: Sorry I can't help you in that respect but maybe I can help you with some business needs related to your bank account.

utterance: Yes, yes, yes, yes. Yes, so yes. I I run a business a sports betting business and my my employees, we need something that's going to be able to be fast, direct, and right there. You know, I need something that's not going to take too much of you know my time, or my people's time, something that's pretty much automatic. but right now we don't have the direct deposit or anything like that with our systems. It's down right now. So I I need something that is trustworthy, secure, and gets the job done. I'm just not really for sure exactly what that is right now. I kinda been you know taking meetings and doing a whole bunch of stuff. So kinda all over the place here. But, I need to make sure that my people are taken care of, so

utterance: Sure. I'd I think you probably need checks. Is that

utterance: Yes. Yes. I think I think that'll work. I think that'll work.

utterance: Fantastic. Well, I'm happy to take care of that for you. can you give me the date of birth associated with the account?

utterance: Awesome.

utterance: Yes. It is twelve twenty nineteen ninety.

utterance: Great, and can I get the pin number associated with the account?

utterance: Yes. Twenty-nine eleven. Three.

utterance: Excellent. And can I get your shipping address where these checks will be sent to?

utterance: Yes. It would be eighteen sixty-six Vernon Street.

utterance: And the city and the state?

utterance: Oh yes. San Diego Los Angeles or San Diego, California. Sorry about that.

utterance: Gotcha. And the ZIP code please?

utterance: ninety-two eleven one.

utterance: Fantastic. and how many check shall I send you?

utterance: I just need about one ten.

utterance: A hundred and ten checks?

utterance: Yeah.

utterance: Fantastic. Great. Well these should be out to you within two business days. is there any other business I can help you with related to your account?

utterance: No, man. I think you done it man. I think you done a great thing. So, I I greatly appreciate you.

utterance: Excellent. Well this is all an order. These are going to be sent out today. and in the future, you are able to also order checks or pay bills online through your Intellibank webpage. so if if if for some reason you take care of things after our business hours, you're always free to go on there and find further information about all of your payments and accounts on there so have I answered all your questions today? Is there anything else I can help you with?

utterance: No. I think I think you did everything. I think you did everything man. I I appreciate it I I appreciate it. Last one. Who do you thinks gonna win the Super Bowl?

utterance: Oh.

utterance: Cowboys?

utterance: Gosh.

utterance: Or the other team?

utterance: Yes. Which one have you got?

utterance: Let's let's Let's go with.

utterance: So you think it's gonna.

utterance: Be there? Who is is. .

utterance: You know.

utterance: I'm not I'm not a betting man but I'll I'll let's. Sure. The Cowboys sound like a great choice.

utterance: Cowboy's gonna win the AFC.

utterance: I'm gonna.

utterance: Lock it in brother. I'm gonna lock it in.

utterance: Yeah. That's the lock.

utterance: Thank you man, greatly. Greatly appreciate you helping.

utterance: Excellent.

utterance: And well, thank you. You have a great day.


utterance: Hello and thank you for calling Intellibank. This is William. How may I help you today?

utterance: Yes. I would like to know about the first asked question business documentation. You know, what's required that I need to send in cuz I am looking into opening an another account or taking out a loan. Also, I wanna apply for a real estate loan. Today, on the phone, if possible.

utterance: OK. No problem. We can absolutely start that process. but like you've said, there are, you are gonna have to send in your FAQ required business documentation. so what you're gonna need to do for that is you're going to have to make physical copies and either mail them in or bring them in to your local branch. And what we need physical copies of are your business licence, your two years of personal tax returns, two years of business tax returns and two years of year end financial statements. But everything else I can get from you on the phone today. So to start I'm gonna need your full first and last name as it appears on your Intellibank account.

utterance: OK. It's Van Hulahan.

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

utterance: June sixth nineteen seventy-two.

utterance: All right. And your four digit security code?

utterance: One three eight four. my account number is six oh six three eight seven and my home address is two nine eight four Relegate Boulevard, in Cincinnati Ohio, eight four one zero nine

utterance: OK. Hold on, hold on, hold on.

utterance: Yeah.

utterance: A little bit too much information there.

utterance: Oh.

utterance: just need to slow down for a little bit. My computer unfortunately just does not move as fast as us humans do. So, hang tight just a minute. May have to ask some of those questions over again.

utterance: OK.

utterance: OK.

utterance: Sorry about that.

utterance: That's OK. I I dunno I always come prepared for these calls so I just read it off a a list myself, you know. .

utterance: Well that is much appreciated that you're prepared.

utterance: Yeah. I don't wanna like make you ask too many questions either so.

utterance: Rather you be over prepared than under prepared.

utterance: Right.

utterance: And what is your social security number?

utterance: five one two six four seven six five one.

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

utterance: It's seven one seven three nine six forty-five.

utterance: And what is your business's tax ID number?

utterance: Eight seven two three five four four four four nine.

utterance: And can you confirm the email address that we have on file?

utterance: Yes. It is Van the man at Gmail dot com.

utterance: All right. And what is your business's name?

utterance: It is East Side Florist LLC.

utterance: And are you the sole owner of that business?

utterance: I own it with my mother actually.

utterance: And what is her name?

utterance: Lilly Hulahan.

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

utterance: Oh, she established it in nineteen seventy-one.

utterance: And what is your gross annual sales?

utterance: A hundred and eight thousand dollars on average.

utterance: And what is your business's physical address?

utterance: fourteen hundred East Side Boulevard, Cincinnati, Ohio, eight four two nine six.

utterance: And what is the, have you, have you already found the piece of real estate that your looking for the loan for?

utterance: Yeah, I found this little place like we're gonna open it up and we're also gonna run kind of a food window out of it to combine the businesses, you know?

utterance: And how much is this property going for?

utterance: seven hundred thousand dollars.

utterance: All right. Well, sir. All you needed to do is return in those documents that we spoke about earlier. And then we'll be able to process your application. Is there anything else that I can do for you today?

utterance: No thank you. That's all.

utterance: Then you have a lovely day and thank you for calling Intellibank.

utterance: OK. Bye bye.


utterance: Thank you for calling Intellibank. My name is Steven. How can I assist you?

utterance: yes, I just recently moved my business location and I need to update my the way I get my statements.

utterance: All right, I can certainly help you with that.

utterance: May I have your name and date of birth, please?

utterance: Dan Thomas, T H O M A S. My date of birth is May twelfth, nineteen sixty.

utterance: Thank you, and can I have the account number for the account in question?

utterance: Seven oh three six nine five six eight two nine. five. Let me read that to you one more time. Seven three zero six nine five six eight two nine.

utterance: OK, thank you. And, can I have your authentication PIN please?

utterance: One zero six two.

utterance: All right, thank you Thank you very much Mr. Thomas. I have verified your information and I have pulled up your account. And, so you were wanting to change the delivery or the type of delivery of your statements. Is that correct?

utterance: yes. do you offer paperless statements sent over to my email?

utterance: We most certainly do, Mr. Thomas. I can go ahead and get that switched for you. Would you prefer to have paperless, paper, or both?

utterance: Let's do paperless.

utterance: Absolutely. I will go ahead and get that changed for you.

utterance: OK, the delivery method for your statements has been updated for paperless, and you will no longer receive a paper statement in the mail you may however, still receive one more statement in the mail depending on where your statement usually comes to you. but that should be the final one that you receive.

utterance: OK, and does my statement still post on the twenty-fifth of each month? And will it be at D Thomas at ABC dot com?

utterance: Yes sir, I have confirmed that is the email address we have on file for you, and so that is the email address that they will your statements will be sent to if that is what you would like. And yes, your statements will still be delivered on the twenty-fifth of every month.

utterance: All right, that sounds great.

utterance: All right sir, and can I interest you in setting up online banking so that you can get your statements from a mobile device and download your past statements? As well as keep on top of the, the rest of your account details?

utterance: That sounds great.

utterance: All right let me go ahead and pull that page up. And is that email address of D Thomas at ABC dot com where you would like the communication for your online banking to be sent to?

utterance: yes, please.

utterance: All right. and then I have got a username and a temporary password ready for you whenever you are ready to write those down.

utterance: OK, I'm ready.

utterance: All right sir, your username is going to be D Thomas zero zero two.

utterance: OK.

utterance: And your temporary password is going to be capital C, capital H nine two capital T nine.

utterance: OK, got that written down.

utterance: All right sir, and so all you will need to do now, is go to the Intellibank dot com website, log in with those credentials and it will prompt you to create a unique password and then it will guide you through the rest of the setup.

utterance: All right, that sounds OK. how's the weather doing up there where you're at?

utterance: Oh, it's been pretty miserable today, sir. It's storming quite badly.

utterance: Wow.

utterance: It's supposed to rain here tonight, so hopefully it won't get washed away.

utterance: Oh, I hope not sir. All right Mr. Thomas, is there anything else that I can assist you with?

utterance: I don't believe so.

utterance: OK sir, well if you don't mind holding on the line for me there is going to be a brief survey in just a moment.

utterance: You can let us know how we did today, and how we can better service you and your business needs in the future.

utterance: All right, appreciate it. Thank you.

utterance: Thank you sir, and thank you for using Intellibank.

utterance: Have a great day!

utterance: You too.


utterance: Thank you for calling Intellibank, my name is Stephen, how can I assist you today?

utterance: yeah. One of my employees wrecked the truck. The company truck and I'm gonna have to replace it. And I need a credit report.

utterance: OK. I can certainly get that for you. can I have your name please?

utterance: Dan Thomas. T H O M A S. My date of birth is May twelfth, nineteen sixty.

utterance: All right Mr. Thomas. Thank you for that information, and can I have your security PIN number?

utterance: One zero six two.

utterance: All right. Thank you. And. Can I know. would you like this report delivered paper or paperless?

utterance: can I have both?

utterance: Yes. You certainly can. let me start by having What email address or email addresses would you like this sent to?

utterance: Thomas Customs at Gmail dot com.

utterance: All right sir. That's Thomas Customs at Gmail dot com?

utterance: That's correct.

utterance: All right. And are there any other email addresses that you would like that sent to?

utterance: Crystal underscore Thomas Customs at Gmail dot com.

utterance: All right and can you spell Crystal for me sir?

utterance: C R Y S T A L.

utterance: All right. Thank you very much Mr. Thomas. And are there any other email addresses that you would like this sent to?

utterance: no.

utterance: OK. And then the paper copy. may I know the address or addresses that you would like those delivered to?

utterance: OK. The first address is seventy-six Sunbeam Drive, Canyon Country, California. Nine one, three eight seven.

utterance: All right. That's seventy-six, Sunbeam Drive. Canyon Country, California. ZIP code nine one three eight seven. Did I get that correct?

utterance: That's correct.

utterance: All right. And are there any other addresses?

utterance: thirty-six, Edgemont Lane. Canyon Country, California. Nine one three eight seven.

utterance: OK. That's thirty-six Edgemont Lane. And that's also in Canyon Country, California. ZIP code nine one three eight seven. Is that correct?

utterance: That's correct.

utterance: All right. And any other addresses you would like this delivered to?

utterance: no.

utterance: All right sir. I will get these processed, and you should receive the emails by the end of business today. And the paper copies should arrive in the mail within three to five business days.

utterance: All right. That sounds great.

utterance: How's your day going so far?

utterance: Well.

utterance: Oh. It's going pretty good sir. Nothing to complain about so far. How's your day been?

utterance: It's been doing good, great.

utterance: Well that's fantastic. And then just to let you know sir, we do offer a credit report free of charge, once every three months. However you can request to get it more often than that, there is just a ten dollar fee for each additional request within three months.

utterance: OK. It sounds great.

utterance: All right sir. And then can I interest you in information about our online banking today?

utterance: yes. Could you tell me more about it?

utterance: I would be happy to. So with our online banking you would be able to log in on any internet connected device to our online banking portal. And through there you can manage most every aspect of your accounts that you hold with Intellibank. and that would also include being able to access your credit report once every three months. as well as running other reports, paying bills tracking your finances, scheduling appointments with any of our specialists, applying for loans, or opening other accounts.

utterance: OK. That sounds good. is that something that you could set. Set me up today?

utterance: I would be happy to set that up for you Mr. Thomas. if you give me just one moment here so I can switch screens.

utterance: All right. And can I have you confirm your email address for me Mr. Thomas?

utterance: Thomas Customs at Gmail dot com.

utterance: All right. Great. And is that the email address that you would like associated with your online business account?

utterance: Yes.

utterance: Oh. I'm sorry your online banking account, I misspoke. OK. So I will send an email to that address. And there will be a link inside of there, and that link is only active for thirty minutes so do please click that link as soon as possible. And upon clicking that link it will take you to a page which will have your username and it will prompt you to create a unique password for your account. And then once you have created that unique password it will guide you through the rest of the set up process.

utterance: OK. That sounds fantastic.

utterance: Yes sir. It is a very convenient and useful tool that we offer for our customers and I encourage all of them to take advantage of it.

utterance: OK.

utterance: All right. Is there anything else I can assist you with today Mr. Thomas?

utterance: no I don't think so.

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

utterance: All right. Thank you.

utterance: Goodbye.


utterance: Hi thank you for calling Intellibank where we are servicing all your banking needs. How can I help you today?

utterance: Hi I just need to just need to update my phone number.

utterance: Oh that's great. OK. just to get in your system we need to ask a few simple questions to verify your identity. by the way, my name is Chad. I forgot to say that at the beginning of this conversation. It's very nice speaking with you.

utterance: Mhm.

utterance: Hi Chad.

utterance: So can I get your first name and your last name?

utterance: Alex. Or Alexander might be on file. Alex excuse me. Alex Lumbly.

utterance: OK. Alex and Lumbly. How do you spell that?

utterance: Lumbly L U M as in mom B as in boy L Y.

utterance: Fantastic. And can I get your date of birth? Just to get into your account.

utterance: Mhm. My date of birth is is July twenty-first. nineteen eighty-three.

utterance: OK. Nineteen eighty-three. Fantastic. And let's see. Can I get your PIN number just to just to get this last piece of identity then we will know it is absolutely you and go forward with your request. So can I get your PIN number please?

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

utterance: Six one two six. Fantastic. OK. So give me one second as I pull up your file.

utterance: Mhm.

utterance: Would you would you say your name was Chad?

utterance: Yes yes.

utterance: Chad can you just cause I called last time and I think. I don't know if like the service wasn't great. Or something but I think some of the information. It was probably my fault I didn't like. You know I wasn't annunciating correctly. But I think like my date of birth wasn't inputted correctly or. I just want to like just to double check. would you be able to like tell me like read back. At least my date of birth. Because I think I kind of like didn't say it correctly last time.

utterance: Yeah yeah let me pull up. Pull that up so your date of birth is seven twenty-one nineteen eighty three. That's the one. That's what you what you just told me. We have that on file.

utterance: OK cool. Perfect.

utterance: Yeah.

utterance: I'm just, yeah sorry I guess. This last time I called is. It was . It was probably on me. I didn't think it wasn't pronounciated. But cool.

utterance: Oh no we we absolutely want you to have the most accurate information. So thank you so much for verifying that piece of information.

utterance: Cool.

utterance: so we have your file up. It came up while we were discussing that last note. What is the update that you would like to make to your profile?

utterance: OK so it's really just my phone number. So I gotta update my number can I give you my my new one?

utterance: yeah go ahead and give me your new phone number. And just in case why don't you give me why don't you tell me what the old phone number is that you would like off the account.

utterance: Sure cool. I like that. yeah so I want it taken off. seven six zero two one nine zero eight nine one.

utterance: Great and just to verify that's seven six zero two one nine zero eight nine one that will be removed from your account. And what is the new phone number that you would like to update your account with?

utterance: Fantastic and just to be doubly sure I am going to read it back to you. Three two three six four five six six five five. Is that the correct number?

utterance: That is correct Chad. Thank you.

utterance: Fantastic. Let me just go ahead and get that into the system and you'll be just about ready to go.

utterance: Yeah, thank you. And it's raining like crazy today. are you where. Ted can I. I always wanted to ask this where are you where are you calling from?

utterance: Oh well. We are, our service center is in Austin Texas. Which is the base of operations for Intellibank.

utterance: Oh.

utterance: Oh. That's cool that's cool. I always. I always. I found it curious if it was where you guys are at. Sometimes I call and they're from like. They're in New York or they're in India or they're in like Memphis Tennessee. It's just. OK. Sorry. Sorry for the random question.

utterance: No that's absolutely fine and to answer your question it's it's. There's no rain here. It is sunny.

utterance: Cool cool.

utterance: All right so I have just about everything updated in your account. Is there anything else you'd like to know about online banking? You have a very healthy account with us here. We can offer you any sort of upgrade or services based on your credit score. If you'd like me to look into that.

utterance: no I think I'm okay. Yeah I think think I'm good.

utterance: OK well if that's anything. If there if there is anything else that you would like me to help you with I am absolutely here. Is there is there anything else? Or is that about it?

utterance: No you were great, Chad. Thank you so much.

utterance: All right well I'm going to go ahead and hang up. Please stay on the line for a brief survey to let Intellibank know how I provided service. Thank you so much.

utterance: Sure thank you.


utterance: Hello and thank you for calling Intellibank. This is Franklin How may I help you today?

utterance: Hello Franklin. Hi. yeah. Just gonna get right to that I am looking for a line of credit.

utterance: Hello.

utterance: OK.

utterance: Mhm.

utterance: Well, you have come to the right place. Intellibank offers lines of credit. As well as credit cards, credit accounts loans business loans, home loans, home business loans all sorts of lines of credit and loans.

utterance: Mhm. Mhm.

utterance: Mhm.

utterance: Mm.

utterance: Mm.

utterance: Are you a current Intellibank customer?

utterance: I am a current Intellibank customer.

utterance: Well that is fantastic Thank you very much for being a customer.

utterance: Thank you.

utterance: I'm gonna pull up your account here and that'll get us started. So to do that I am going to need your first and last name fully as it appears on your account.

utterance: OK.

utterance: All right, just quickly I'll go grab the rest of what you'll ask for so I have it in front of me before we get started.

utterance: OK, I will hold on for that.

utterance: OK.

utterance: Hello?

utterance: yes I am still holding.

utterance: Oh Perfect thank you so much.

utterance: Oh please, take your time, you can go whenever you are ready.

utterance: OK, great and my first name is Meredith and my last name is Coolton.

utterance: OK, and can I get your social security number and your date of birth.

utterance: Mhm. Three three six two zero four seven twenty one zero three twenty seven nineteen eighty-seven.

utterance: All right, well thank you very much for that.

utterance: Thank you.

utterance: And I need your account's four digit pin number.

utterance: Seventeen thirty-seven.

utterance: Great.

utterance: Mhm.

utterance: All right, well we are into your account.

utterance: Mm.

utterance: And it does look like you will be eligible to open up a line of credit with us.

utterance: Mhm.

utterance: we offer up to a hundred thousand dollars.

utterance: Mhm.

utterance: how much did you want to apply for today?

utterance: One hundred thousand dollars.

utterance: All right, we will put up and application for the full one hundred thousand.

utterance: Thank you.

utterance: And I'm gonna need your email address?

utterance: That would be Meredith Coolson sun sun salutation Meredith Coolson sun sun salutation at Gmail dot com.

utterance: And are you the sole owner of your business?

utterance: Yes.

utterance: And what is your business' tax ID?

utterance: That would be Seven one seven three two two one four.

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

utterance: The date that I established my business was November eighth, two thousand and fifteen.

utterance: And what was your gross income last year?

utterance: My gross income last year was one million dollars.

utterance: OK.

utterance: Mhm.

utterance: And lastly I just to ask you what the purpose of this loan would be for?

utterance: Oh I was hoping to get a line of credit.

utterance: Oh, I'm sorry a line of credit, we are we are in the middle of a line of credit, I am sorry.

utterance: That's OK..

utterance: It has been a long day, a lot of calls over here. All been loans so far, this is my first line of credit so we're just yup.

utterance: Yeah.

utterance: Oh.

utterance: Wow.

utterance: It's a good day

utterance: For a loan or?

utterance: Oh, it's it's a good day for anything here at Intellibank.

utterance: Mm.

utterance: And so yeah so what were the purposes of that line of credit?

utterance: I'd just like some extra money in case I need it, you know? At any given time for any given reason.

utterance: OK. Extra cash on hand is what I'll put down here.

utterance: Mhm.

utterance: All right, well I have submitted that application.

utterance: Mhm.

utterance: And because of the dollar amount it is gonna take two to three business days.

utterance: Mhm.

utterance: For the results to come back.

utterance: OK, that's fair.

utterance: Great. You will get an email from us as soon as we know.

utterance: OK, fantastic.

utterance: Anything else.

utterance: I can help you with today?

utterance: I think that'll be it.

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

utterance: You too, goodbye.

utterance: Bye.


utterance: Good afternoon. Thank you for calling the Intellabank call center, my name is David. How can I help you today?

utterance: Hey, David. I was just hoping to get, to confirm just the info I have on a, on a bond yield.

utterance: Is that a treasury bond you have with us?

utterance: Yeah, it's a yeah it's a multiyear treasury bond.

utterance: OK, I see, I see. So, yes I can pull that information for you.

utterance: Do you need any info from me to confirm.

utterance: Yeah, I'm just gonna look up something real quick. Access that page.

utterance: All right, I need your first and last name.

utterance: Yep, that is Laurence Silver.

utterance: OK.

utterance: Laurence Silver. Mhm.

utterance: Let this, waiting for our systems to process. They've been working a little bit slow today.

utterance: I just wanna tell you that, in the future, some customers do find it more convenient you are always welcome to call in you can call us at the Intellibank banking center. However we do have excellent online banking services at Intellabank dot com.

utterance: Or, you can download the Intellibank banking app.

utterance: That's a free download you find in any AP store, it's available for iPhone and android.

utterance: Yeah, you'll have to set up an account if you haven't already, that will ask you for an email address. Your email address will serve as your user name and a password that includes letters numbers and a special character like an exclamation, sorry, an exclamation point or say an at symbol.

utterance: That would give you access to your account, twenty-four hours a day, seven days a week, and you can do most of the same services that you would like to call in about online, and in your own time.

utterance: So

utterance: For example, I could, could I call or could I get through the AP, could I get the treasury bond info?

utterance: You would be able to do that, but I'm happy to take you through that process here today. I'm just waiting for this to pull up your profile.

utterance: But, just to conclude just a little information about our online banking systems, yes there are a number of different documents there that you may need for tax purposes. Or since we do do business accounts, anything regarding your business, the investments you've made in the past, investments you currently have with us. All that information is available online twenty-four hours a day seven days a week.

utterance: So, now that I have your customer profile pulled up, I actually just looking for your date of birth.

utterance: What, you need my, my date of birth?

utterance: That's correct.

utterance: Huh, I thought I, huh, I guess, I guess I didn't give it. Yeah sorry, it's December seventh nineteen seventy-nine.

utterance: OK. I also need your four to eight digit PIN number.

utterance: Yeah, let me pull that up here. I have it right here.

utterance: Yeah, that's three zero seven seven five.

utterance: OK, so that will take me into the actual bond section of your account. And let's take a look.

utterance: The system's just processing again.

utterance: Yeah, I think with you guys I think I have just one. It's, I think it was the, I think it's the ten year bond.

utterance: All right. Yeah, that'll. If it's just the one it should pull up here is just a moment.

utterance: And since you seem like someone who's investing a little bit, we also offer wealth management services here.

utterance: At the bank there are representatives available online, via the chat feature, through the AP, or at your local Intellabank banking branch.

utterance: OK.

utterance: Oh, it looks like I have your bond pulled up and, just to verify, what is the time period of that bond?

utterance: that was the, that was the ten year.

utterance: Ten year, treasury bond. OK, it looks like that ten year bond purchased in two thousand twelve, that's expiring this year in, or next year.

utterance: My bad. In two thousand twenty-two and over it's life that bond is set to yield seven point nine percent.

utterance: OK.

utterance: Anything else I could help you with today?

utterance: you said that yeah, that's expiring next year all right. Yeah, I was. I wasn't. I thought that was the the figure but I wasn't sure, so I wanted to call and confirm.

utterance: No problem.

utterance: Hopefully I provided you with excellent service, and you continue banking with Intellibank, as I see you have been, banked here with us since two thousand nine.

utterance: And if you need anything else give us a call back but, your treasuring bond yield once again to confirm is seven point nine percent. You'll receive an email verification of that information since you called in and as well as I see you have text alerts so, you'll receive that as well and it's safe accessible on your phone. Thank you so much and have a great evening.

utterance: OK, thank you.

utterance: Bye bye.


utterance: Hello thank you for calling Intellibank this is Michelle how may I assist you today?

utterance: Hi Michelle I'm wanting to well first I want to ask you I was told that the business total account has a higher interest rate than the business preferred checking account. Is that true?

utterance: well it depends on your own personal information. Interest rates are determined by your by your credit. By the information that you provide. So It it depends on the customers information.

utterance: so that's that just seems strange.

utterance: I'm I'm sorry maybe I'm not understanding your question can you can you say that again for me?

utterance: yes I thought the business total checking account has a higher interest rate than the preferred checking account. You know like so

utterance: I see well OK I see. In general that can be true. however again it would depend on your application, and your credit being reviewed and the information that you provide. While that can be true in some cases I wouldn't wanna I wouldn't wanna confirm that without you having an application in. Wouldn't wanna be providing you the wrong information.

utterance: OK.

utterance: Is that.

utterance: Is it am. Am I making sense?

utterance: Yes. But is is that something you can help me with? Like can we work on that for a second?

utterance: OK.

utterance: sure I'd be glad to assist you with that. And I'm sorry may I get your name sir?

utterance: Yes it's Josh.

utterance: Hi Josh how are you tonight?

utterance: I'm good how are you?

utterance: I'm great thanks for asking. So let me just get some information from you. Josh is that your full name? Or is it Joshua?

utterance: no it's just Josh.

utterance: Just Josh OK.

utterance: Yeah and my last name's Booker my date of birth is eleven eighteen eighty-eight. And my social security number is four one four three two seven one eight. nine.

utterance: Well you. Thank you. You certainly have all your information handy if you don't mind though I'll need to go back just to input all this information. Your last name is Booker? B O O K E R?

utterance: Yes.

utterance: Yes.

utterance: OK and I'm sorry I'm just waiting for it to load. OK great. And then your date of birth again.

utterance: It's eleven eighteen eighty-eight.

utterance: OK eleven eighteen nineteen eighty-eight. OK. and then you had your social security handy?

utterance: Yes.

utterance: Yes it's four one four three two seven one eight nine.

utterance: OK seven I'm sorry the last four digits again seven two.

utterance: Seven one eight nine.

utterance: Seven one eight nine.

utterance: Yes.

utterance: OK got it. All right All right thank you so much then. All right now how may I help you?

utterance: OK. I wanted to make a transfer from my business preferred checking to a new business total account. Is that possible?

utterance: was so OK. So you, you want to open a business total account and then make a balance transfer from your preferred checking.

utterance: Yes.

utterance: OK. Well it is possible if we can get your application approved today. Although I do have to let you know sometimes with applications It can take a few days to process So I wouldn't be able to do that transaction today. If that doesn't happen. But I will do my best for you, to see if we can make that happen.

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

utterance: Sure. I'm sorry that's a lot of information I'm I'm telling you. We can go ahead and start the process of your application. Sometimes we find out the results right away. But in many cases the application may take a few days to review. If that's the case then I wouldn't be able to make that transfer for you today. We would have to wait until after we got the approval status for the new business total checking account.

utterance: Interesting. well let's do it. Can I can I see If I can get it today?

utterance: Sure. I'll go ahead and get this application started for you. Will you have your social security card. You have your date of birth. may I get your address?

utterance: Yes. It's two one eight Anders A N D E R S Drive.

utterance: OK. Got that, and your city?

utterance: Oh. Of course. Sorry it's.

utterance: That's

utterance: That's OK, I'm not in that screen yet anyway. You're fine.

utterance: It's Wilmington W I L M I N G T O N.

utterance: OK.

utterance: Delaware.

utterance: Delaware.

utterance: ZIP code nine three three.

utterance: OK.

utterance: Oh.

utterance: Thank you so the ZIP code actually prompted automatically so I've got that here.

utterance: Got it.

utterance: OK. All right and I'll need to go ahead and get your social security number again.

utterance: OK. And do you also have your driver's license? I'll need to have that number as well.

utterance: Oh yeah. Could you hold on for a second?

utterance: Sure.

utterance: OK. It is four three two six five seven seven one.

utterance: OK.

utterance: OK. Very good and your annual salary?

utterance: My annual salary?

utterance: Yes that's part, it's part, it's part of the banking application for a new checking account.

utterance: You mean like my gross salary, like before taxes or?

utterance: Yes.

utterance: OK. It's about one ten.

utterance: One ten OK. All right I'm just loading this information into the screen.

utterance: Yes.

utterance: OK.

utterance: OK. and for security purposes we'll add a security question on here. What is the name of your first childhood pet? or or I'm sorry would that would you like that to be your security question? I can you do the name of your first childhood pet, your mother's maiden name, or your first street address?

utterance: Yeah of course.

utterance: Childhood pet is fine.

utterance: OK. And what is that name?

utterance: Chubby. C H U B B Y.

utterance: Huh.

utterance: OK. All right. All right I'm just going ahead and processing that. OK. Just one moment.

utterance: Mhm.

utterance: OK. Josh it does look like it will go on for further processing. It does not mean that you have not been approved. But it does need to go on for further processing. You may be asked for more information. We will send you a letter in the mail. And so I will not be able to do the transfer for you today. But you will get your information in three to five business days.

utterance: OK.

utterance: OK. but in the meantime is there any other information I can provide for you today? Any other accounts you'd like to check on? Or how to access online banking for yourself in the future?

utterance: no that's fine. I just need to figure out how to make this transfer.

utterance: Oh.

utterance: OK.

utterance: And make this account. But it's fine I'll just wait to see what these results are.

utterance: OK. And and just so you know for the future you can also do this application online for this or other accounts you may wish to open. Is is there anything else I can do for you right now?

utterance: OK.

utterance: No, that was it.

utterance: All right. Well Josh well thank you so much for calling Intellibank and you have a lovely evening.

utterance: Thanks you too.

utterance: Good night.


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

utterance: Hello Timothy. I I'm kind of like. Just kinda like looking for some advice as far as what to do to like better you know prepare for the times ahead. Like I don't know. You know I started my company five years ago. and you know we had like the lockdown last and it really hurt my business and we thought for a second there we were going to get out of it. And then you know delta variant came out and knocked me back some more. And I just I don't know how I should move forward. If I really should or if I should just kinda take some time off. I just I mean if there's anyone at my bank as that can like give me advice. Do you have anything like that?

utterance: Sure and you have an account with us here at Intellibank?

utterance: Yeah. Of course. Like I don't just like call random places.

utterance: OK. Well sorry.

utterance: I'm sorry, that sounded. That sounded

utterance: That sounded No. I I do have one.

utterance: No, I'm sorry if I offended you.

utterance: all right. Well I I was gonna suggest that you would possibly wanna speak with a financial advisor here at Intellibank.

utterance: Yes. Can you please transfer me to that department?

utterance: I unfortunately can't transfer you but I can set up a appointment.

utterance: Mhm.

utterance: For the future. Either a phone appointment, an in-person appointment, or a telecom appointment.

utterance: Mhm.

utterance: would one of those interest you?

utterance: sure.

utterance: all right. What how would you like this meeting to take place?

utterance: What are my choices again? I mean.

utterance: Well, we can have them give you a call.

utterance: Yeah.

utterance: Or you can come down to your local branch or really any branch. All right.

utterance: I don't even know where there's a branch.

utterance: I don't think I've ever seen a branch.

utterance: OK.

utterance: Is there a branch?

utterance: There are branches yes. I am very sorry to hear that you have not had the pleasure of visiting one of our many branches.

utterance: Mhm

utterance: I'm thinking that just because I have no idea where a branch is that I should probably just do something on the phone. Do you do like Zoom, the video stuff?

utterance: We can do a video call, yes.

utterance: Yeah that'd probably be best.

utterance: Mhm K.

utterance: just just because you know I don't wanna like spend like three hours in the car to do this you know. Just might as well.

utterance: That is completely understandable.

utterance: Right. So yeah. If you can set up a Zoom. Is there someone good that I can talk with?

utterance: Absolutely.

utterance: OK.

utterance: first off. What was your name as it appears on your account?

utterance: Oh.

utterance: First and last.

utterance: Didn't I give that to you already?

utterance: I'm sorry you did not.

utterance: Oh. Mhm I don't know why I felt like I did. But anyway, my name is. Tony Jones. I think my account is Anthony Anthony Jones.

utterance: OK Mr. Jones.

utterance: And I run a small restaurant here in in El Segundo. Little crab shack and it's called Uncle Tony's Crab Shack.

utterance: Oh that's wonderful. That sounds great. I love crab.

utterance: Yeah it's good. It's by the beach. But again you know most of our customers were from Europe and so since things have been shut down I just don't know if I should you know maybe like take a vacation for a couple more months or double down and try you know? All that stuff. I you I just need some advice.

utterance: Well, hopefully our financial advisor will be able to help you with that. They are not available this week. but they have available availability beginning next Monday. Would next Monday work for you?

utterance: Yeah. The sooner the better.

utterance: And how about two p.m. next Monday?

utterance: Mm yeah, that sounds great. Do you have my email?

utterance: Great.

utterance: yeah can you confirm the email address we have on file?

utterance: It's Tony the crab man at Tony's Crab Chack dot com.

utterance: All right Tony. You are all set up for a video conference meeting with a financial advisor for next Monday. At two p.m.. Is there anything else I can do for you today?

utterance: Can you read that time again?

utterance: yes. Two p.m..

utterance: And you're gonna send me the Zoom link right?

utterance: Well, you'll receive that in the email address that you gave me.

utterance: OK. Perfect.

utterance: anything else I can help you with today?

utterance: That's it.

utterance: Thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: Thank you. You too.

utterance: Bye.


utterance: Thank you very much for calling us here Intellibank. This is Timothy. How is your day going?

utterance: Timothy. It's going all right. How's yours? Thanks for asking.

utterance: Great!

utterance: Yeah.

utterance: How may I help you today?

utterance: Well, I have some some assistance that I'm looking for. I'm looking for some assistance from you. and yeah, I'm just. I'm trying to find some information and I was having a little bit of a problem a little bit of a problem finding it out so I'm calling you now.

utterance: OK, that is not a problem.

utterance: Mhm.

utterance: did you try our websites?

utterance: I I did try it. I couldn't, I couldn't get it worked out.

utterance: Oh I am so sorry to hear that.

utterance: Yeah.

utterance: You know, usually the website can help you with all the same things that I can help you with.

utterance: Mhm.

utterance: Mhm.

utterance: except they're available twenty-four hours a day seven days a week.

utterance: Wow.

utterance: did you try the app?

utterance: I don't have the app.

utterance: OK. Well, now, you can download the app at any app store.

utterance: Oh.

utterance: so while I have you here. let's go ahead and see if we can't figure this issue out for you.

utterance: Yes.

utterance: OK, great. Thank you so much. So it's just a balance that I'm looking for.

utterance: OK. Let's log in to your account and go from there.

utterance: Yeah.

utterance: OK.

utterance: So first off I'm gonna need your full first and last name.

utterance: OK.

utterance: As it appears on your account.

utterance: That would be Tridenta Tridenta Mintay.

utterance: OK.

utterance: Mhm.

utterance: And your date of birth?

utterance: October fourteenth, nineteen ninety.

utterance: And I'm gonna need your social security number, and a state issued ID driver's licence.

utterance: Social security number.

utterance: OK.

utterance: For the social security number I'm gonna need to. I'm gonna need you to hold on.

utterance: Not a problem at all. I can hold on as long as you need me to.

utterance: OK, it's gonna be quick.

utterance: Got it.

utterance: All right.

utterance: Mhm.

utterance: Whenever you're ready, go right ahead.

utterance: OK, and it's three one three, two two, six zero, one four. Drivers license is D seven one two two three seven eight.

utterance: All right. And what would the four digit PIN associate with this account be?

utterance: Seven seven seven three.

utterance: Great. All right. So, looks like you have a bunch of accounts with us. You have our.

utterance: Titanium, can you give me the titanium?

utterance: The titanium.

utterance: Mhm. Titanium card.

utterance: OK, well I think you are probably referring to our Intellibank platinum business card. Is that correct?

utterance: Balance.

utterance: Mhm.

utterance: Yes.

utterance: All right. I can give you the balance of that card, no problem.

utterance: OK.

utterance: I'm just gonna need your sixteen digit card number.

utterance: OK, again? I'm gonna need to get on up, I don't know. Not prepared for this question, unfortunately.

utterance: Oh, it is all right. Go ahead, take your time, get that card. And I will be here when you get back.

utterance: OK.

utterance: All right, it was just. It was just right around the corner from me. And it's one six one six three four two eight seven seven four one two two zero zero.

utterance: All right. All right, our system is loading here. Just give me one moment.

utterance: Mhm.

utterance: Yes.

utterance: And you're were looking for the balance due, correct?

utterance: Correct.

utterance: All right. So the balance due on your Intellibank platinum business card. Is eleven thousand dollars two hundred fifty three dollars and seventeen cents. Would you like to check the balance of another card?

utterance: Mhm.

utterance: OK.

utterance: OK.

utterance: I'm wondering what your loan options are.

utterance: We have several loan options right now. We have fixed rate. We have our

utterance: Mhm.

utterance: B seven three seven A loan.

utterance: Mhm.

utterance: And we also have some small business loan options.

utterance: OK.

utterance: Would you be interested in filling out a loan request today?

utterance: Potentially, potentially.

utterance: All right. Can I go ahead and get you started on that?

utterance: Ooh. What is it? What am I gonna need to give you?

utterance: Oh, you're gonna need to give me your business name tax ID, your gross income for the last year, you established business date, your email, the location of your business, and so on and so forth.

utterance: I'm gonna need to call you back.

utterance: All right. Well if there's nothing else I can help you with, you have a wonderful day and thank you for calling Intellibank.

utterance: Thank you.

utterance: Bye.


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

utterance: Yeah I want to make sure that I called in Intellbank you Daphne you said your name was?

utterance: yes yes this is Intellibank and I.

utterance: Right like on Scooby Doo Daphne? Oh OK okay all right.

utterance: Yes yes

utterance: Yes and this is Intellibank and I am Daphne. How may I help you today?

utterance: OK I want to I need to order some business checks for my for my company. My Intellbank account that I have there.

utterance: OK.

utterance: OK. Be glad to do that for you. May I ask your name please.

utterance: Yes you may ask my name. Cuz it's Alex Robertson.

utterance: OK. And Robertson is R O B E R T S O N?

utterance: That is correct.

utterance: OK and will I be looking up under Alex or is that short for Alexander?

utterance: Oh no it's just Alex. They only gave me four letters.

utterance: OK great.

utterance: And it is A L E X correct?

utterance: Yes.

utterance: OK great.

utterance: How else do you spell Alex?

utterance: well I it may have been A L E C and I heard you and that's Alec. But just to make sure that I heard you correctly.

utterance: Oh Alec.

utterance: Alec is just a fancy Alex they they you know they should have anyway. I know.

utterance: Exactly.

utterance: Alec is just trying to imitate the Alexes of the world.

utterance: But they're fancy. They're the fancier version. The red. The red carpet .

utterance: The. Right.

utterance: Got it.

utterance: Got it.

utterance: Yeah.

utterance: all right so let me just ask you for your four digit pin that you created so I can access your account information.

utterance: OK Let me get that, its somewhere.

utterance: OK.

utterance: I don't why they. Who cleaned up my desk? I didn't ask anyone to clean this desk up.

utterance: Uh-oh.

utterance: Do you know how you when you when you have your desk Everything is where you need it. It might look messy to someone else but these piles mean something.

utterance: A certain way.

utterance: You know exactly

utterance: What's in which pile. I I understand.

utterance: Right.

utterance: OK here it is. OK I got it it was on a Post-it note. Two two four three nine.

utterance: Tow four three nine OK great Alex and your information is pulling up. Can you please verify your date of birth.

utterance: Yes it is eight thirteen nineteen seventy-five.

utterance: OK. Very good. All right. So I do see your information here and I do see that you have your business total checking with with us And how many checks would you like to order. They do come in boxes of two hundred.

utterance: Two hundred? Wow like five a month hmm OK I guess will take a box.

utterance: OK.

utterance: It will take a while to get through that box. I guess like five a month.

utterance: Mhm.

utterance: That's sixty a year.

utterance: That's more than many people are writing these days.

utterance: Sixty a year and it will probably decrease, over time.

utterance: Sixty a year. I'm sorry I'm doing math over here. Three years that's yeah will will use these checks in about three and a half years that that would be great all right.

utterance: OK great. And then what is the address that you'd like them shipped to?

utterance: OK I hope we're still here in three years. we'll test it out.

utterance: Oh, I'm sure you will be.

utterance: Yeah.

utterance: Nine zero zero zero South Labrea L A B R E A that's Los Angeles California Nine zero zero zero eight.

utterance: OK terrific. All right so just verifying what we doing. One box of checks your last check was number eight hundred so this one will start at eight zero one.

utterance: Only one.

utterance: OK.

utterance: We are shipping it to the address that you confirmed and I just sent a link to your email address. verifying this order and just so you know we're always happy to help you over the phone but if you choose to do business online or on our mobile app all that information will be in the email as well. And Yes go ahead Mhm.

utterance: OK so if I was.

utterance: going to get information on other Intellbank products.

utterance: Would I is that available online also?

utterance: Yeah all of all of the Intellibank products and services are available online. Our credit cards, our savings account, how you can invest your money. all of that is available online or on the mobile app.

utterance: OK. All right.

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

utterance: No Daphne that's it.

utterance: Thank you so much for being a valued customer and have a wonderful day.

utterance: Thank you, you too.

utterance: Goodbye.


utterance: Hello and thank you for calling Intellibank. This is Klaus. How may I be of service this evening?

utterance: Hello Klaus. I'm just looking to check a balance.

utterance: All right. That should not be a problem at all. let's get into your account here. starting by giving me your first and last name, as it appears on your account.

utterance: Clarice Sage. Klaus, where are you from?

utterance: Oh, I am from Oklahoma.

utterance: Oh wow! Wow!

utterance: How about yourself?

utterance: I'm from I'm from the Amazon.

utterance: Oh wow! That is awesome!

utterance: Thank you.

utterance: Were you born and raised there or just born?

utterance: I was born there and I've I've lived there on and off throughout my life.

utterance: Oh that's amazing! That sounds incredible.

utterance: It is. Have you visited?

utterance: No. I've never left Oklahoma.

utterance: Ever, not once?

utterance: Not ever once.

utterance: Do you have any intention on traveling?

utterance: probably not.

utterance: Just happy where you. You love your home so much, you never wanna leave?

utterance: I wouldn't say that.

utterance: Oh.

utterance: can I get your date of birth?

utterance: Sure. It's April ninth nineteen eighty-nine.

utterance: Great! And can I also get your social security number? And your state issued ID or driver's license?

utterance: sure. But, you know, these types of things really just get me feeling frustrated.

utterance: Oh, I totally understand. I I know they always want too much information when we call, and it's a bunch of numbers, and it's it's this is very easy to frustrate anyone I I I I don't blame you.

utterance: Yeah. Even that they keep track of us with these things like social security numbers and it just frustrates me.

utterance: Yep. I'm sure if it wasn't social security numbers, it would be something else.

utterance: Some other digit.

utterance: Yep.

utterance: Okay. Well, thanks for understanding and Aww, you're wonderful! Social security number is three one one two one six four eight zero.

utterance: Absolutely.

utterance: And your state issued ID, your driver's license numbers?

utterance: Well, you know, I don't I don't have one.

utterance: Oh! Okay, let's see here. Let me put you on hold for just a moment. Let me see what else I can get.

utterance: Mhm.

utterance: Okay.

utterance: Okay.

utterance: All right. I'll be able to pull this up if you could give me your current mailing address?

utterance: Oh, perfect! It's one two three four Cookery Way in in Iowa. I'm in Iowa, Longhorn Iowa at the moment living.

utterance: All right. And then I just need your four digit pin, and we'll be able to log into your account.

utterance: Seven one three eight.

utterance: All right. Thank you very much for that.

utterance: Thank you.

utterance: So, I see here that you have multiple accounts with us. You have our smart savings account and you have two different credit cards. You have our Intellibank Gold business card and our Intellibank Platinum business card. which one of those were you looking to check the balance on?

utterance: Mhm.

utterance: Yeah.

utterance: Mhm.

utterance: Mhm.

utterance: Actually both.

utterance: All right.

utterance: Yeah.

utterance: So, let's start by getting the sixteen digit card number for the first card you'd like the balance of.

utterance: OK. that's gonna be the gold one eight two one four zero eight one six zero three three two nine seven four.

utterance: All right. And it looks like the balance due on that card is thirty-two hundred fifty-eight dollars and twelve cents.

utterance: OK.

utterance: OK.

utterance: Now whenever you're ready please give me the sixteen digit card number for your second account.

utterance: One one seven three two nine eight six three six zero one eight zero two two.

utterance: All right. Thank you very much! And it looks like the balance on that card was twelve hundred forty-eight dollars and ten cents.

utterance: Mhm.

utterance: Perfect.

utterance: was there any other accounts I could help you out with?

utterance: No, no. Thank you so much, Klaus.

utterance: All right. Well if there's nothing else I can help you with.

utterance: Mhm.

utterance: Let me just inform you.

utterance: Mhm.

utterance: That this information is also available to you online twenty-four hours a day, seven days a week.

utterance: Mhm.

utterance: at Intellibank dot com.

utterance: Oh, great!

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

utterance: Oh, no.

utterance: Well you have a wonderful rest of your day.

utterance: A fantastic weekend, and thank you for banking with Intellibank.

utterance: Mhm.

utterance: Thank you.

utterance: Goodbye.

utterance: Bye bye.


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

utterance: Yeah, would you be able to tell me my net income for twenty twenty?

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

utterance: It's Jill Baker.

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

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

utterance: All right, Jill, so you're wanting your net income for twenty twenty. Do you have an account with Intellabank?

utterance: Yeah. Just out of curiosity, can you tell me exactly what the net income measures, and what do insurance companies use it for?

utterance: Yeah, so your net income measures your net earnings, minus the cost of goods sold, selling general expenses, your administrative expenses, operating expenses, depreciation, interest, taxes, and other business expenses.

utterance: it's a usual, useful measurement for investors, to access just how much revenue exceeds the expenses of a business or organization, so when you say that insurance companies are using it, I imagine that they're just using it when it comes to ensuring that investment.

utterance: and that would be how they would be using it. It's just that, they're just using it to measure basically your assets.

utterance: OK, that makes sense.

utterance: All right, Jill, what is your account number?

utterance: Can you hang on just a second so I can find that? I need to find my checkbook, it's so, it's three four six, zero two, nine nine eight.

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

utterance: What a second, that's not my account number. my number is actually three eighth three, seven eight seven, two nine and my business is Johnson Controls.

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

utterance: It's March second of nineteen eighty, and my social's three seven four, nine zero seven four three nine.

utterance: All right. Thank you for that information. I'm not gonna need your social right now, but the account does have a four digit PIN number on it for security purposes. Could you share that PIN number with me as well?

utterance: Yeah, it's six four seven eight.

utterance: OK, and what time frame are you looking at for this report?

utterance: I just need twenty twenty.

utterance: OK, let me run these metrics for you. It's gonna take just a few moments while I pull up your account, OK? Just give me just a second.

utterance: All right.

utterance: All right, well I pulled up your account info, were you also wanting a copy of this report emailed to you?

utterance: Yeah, if you can email it that'd be good.

utterance: OK, I can confirm your email address for your real quick, Jill. What is your email?

utterance: It's J Baker at Johnson controls dot com.

utterance: All right. Thank you for that. I, I'm finishing running up the metrics right now. Give me just a few moments, OK?

utterance: OK, are you watching the Chief's game tonight?

utterance: I absolutely am. I would not miss it.

utterance: Do you think that they're gonna beat the Raiders?

utterance: Yeah, they've had a really remarkable season, so I think if they continue with that streak tonight then, then they will win.

utterance: Yeah, I think they'll win too. I hope they go all the way to the Super Bowl.

utterance: Me too. I think that they can do it for sure. I mean they've had a really great season, so if they just keep that pace and momentum up I think that we'll, we'll get a win out of them this year.

utterance: Jill, I do have that net income information for you, and it looks like your net income for twenty twenty was a hundred and twelve thousand, eight hundred and thirty-nine dollars.

utterance: So, does it tell you like what a normal average is for that? Like, what is a normal net income supposed to be?

utterance: So, they break the net income into ranges and that varies by industry, the size of your business, those kinda things. But, as a general with them, a ten percent net profit margin is considered average and a twenty percent is considered high or good.

utterance: So, your range is around nine percent, so it, it's still considered pretty good.

utterance: So, does like Intellabank reporter track that somewhere, like the net income?

utterance: Yeah, so Intellabank does, does have, does does have the ability to pull up that net income at any time for our customers. But, we don't necessarily track that. It's not something that we keep inside of our, with our accounts.

utterance: we have the ability to run them at checkpoints at any point in time to do that. as well as several other reports that we can run for you, for our customers but, we don't track that or report that anywhere.

utterance: OK, so do you know how I make that better?

utterance: Yeah, so the metrics is based solely off the information obtained from your account history, your previously provided information on your financial accounts, and then your credit report.

utterance: So, the basic ways that you can improve that, are of course by paying down any business debt that you may have, or not accumulating new debt. so, for instance, instead of maybe using your credit card, try using any assets that you have available to you that are cash liquid assets for you, instead of immediately going to charge something on a credit card or apply for a loan.

utterance: those kinda things will help you improve that, that net income tremendously.

utterance: OK, so you said I'd get an email that had all this stuff in it too, right?

utterance: Yeah, I'm sending that email right now.

utterance: I'm gonna send all this information over to you. so, so if you have trouble understanding the metrics report once you get it, please give us a callback, and we can kinda walk through you, walk you through it like I did today. There's gonna be like a lot of different charts and things on this report, that you may not immediately understand, but we do have people here that are available that can kind of walk you through that, so please just give us a call back if you have any questions. Was there anything else that I could do for you today?

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

utterance: All right, Jill. Well, thank you for choosing Intellabank. You should receive that email very shortly.