utterance: Good evening. Thank you for calling Intellibank. This is Nona speaking and how may I assist you today?

utterance: Hey, Nona. How are you doing today?

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

utterance: Oh, I'm doing great. Thank you. I'm ready for this cool weather.

utterance: Yes, ma'am, me too.

utterance: Yeah, well, I mean I love summertime. I love being able to go swimming and all that but I lived out here in southeast Georgia so, you know, the summers get a little bit unbearable sometimes.

utterance: Well, I completely understand that ma'am I actually grew up down around Jacksonville, Florida which is, you know, right around the southeast Georgia area. And I know the heat down there with that humidity can become unbearable at times. And wintertime is my favorite time of the year anyway.

utterance: Oh, really. Mine too. Well, yeah at least now the older I get the less I can stand the heat. well, anyway Nona, the reason that I'm calling today is I need to make a wire transfer if I could.

utterance: Well, I'd be more than happy to assist you with that today, ma'am. Let me get some information from you so I can pull up your account. May I have your full name as well as your birthdate, please?

utterance: Absolutely. this is Helen, H E L E N and my last name is Skaggs, S K A G G S. Oh, I'm sorry my birthdate is February the third, nineteen fifty-seven.

utterance: Thank you so much, Ms. Skaggs. Now I have your last name spelled S K A G G S and I have your birthdate as February the third, nineteen fifty-seven.

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

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

utterance: Yeah, absolutely. It's seven ninety-three double zero zero fifty-one.

utterance: Thank you. So I have seven nine three zero zero zero five one?

utterance: Yes, ma'am.

utterance: Thank you so much. And may I also have . Oh, I'm sorry. May I have the account number that you would like the funds withdrawn from, please?

utterance: absolutely. And really quick, first is the transfer fee for international wire transfers still forty-five?

utterance: Yes, ma'am it is forty-five dollars.

utterance: Okay, great, great, great! The account number that I would like the funds withdrawn from is two thirteen nine twenty-four seventy-four hundred.

utterance: Thank you so much, Ms. Skaggs. I have that account number as two one three nine two four seven four zero zero. Was that correct?

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

utterance: Thank you. And how much would you like to transfer today?

utterance: we're looking to transfer three thousand eighty-one dollars and forty-two cents.

utterance: Thank you so much. So that's three thousand eighty-one dollars and forty-two cents?

utterance: Yes, ma'am.

utterance: Thank you. And this is a international transfer. Correct?

utterance: Yes, ma'am. It will be.

utterance: Thank you so much. May I have the routing number for the bank that has the account that you would like the funds transferred into, please?

utterance: Oh, yeah. Absolutely. The routing number will be zero sixteen nine fifty-four zero twelve.

utterance: Thank you so much, Ms. Skaggs. That routing number is zero one six nine five four zero one two.

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

utterance: Thank you. And may I have the account number you would like the funds deposit in deposited into. Excuse me.

utterance: Oh, that's okay. The account number will be three thirty-nine seven twenty-eight forty-one thirty-seven.

utterance: Thank you. So that's account number is three three nine seven two eight four one three seven?

utterance: Yes, ma'am.

utterance: Thank you so much, Ms. Skaggs. Just one moment while I get this processed.

utterance: Okay. Thanks, Donna.

utterance: All right, Ms. Skaggs. I do have that processed for you. I got the transfer amount of three thousand eighty-one dollars and forty-two cents. transferred to the account number ending in four one three seven. And that was withdrawn from the account number ending in seven four zero zero. Was there anything else I can assist you with today?

utterance: No. Nona, you have been extremely helpful. I really appreciate you.

utterance: Well, thank you so much for saying that Ms. Skaggs. And you have a wonderful day. And thank you so much for calling Intellibank.

utterance: Thank you so much. You too, Nona.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yes. So, I have other accounts with Intellibank but we've started to sell food lately and I really think I need to separate that account somehow. I'm not sure how to do that.

utterance: Yeah. OK. I can help you with that and 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: You can call me Jill. That's fine.

utterance: All right Jill. So you are wanted to separate sales in your business account. So you are. Are you wanting to open a separate checking account for the food sales?

utterance: If that's possible, that would be perfect.

utterance: Yeah. OK. So are you wanting a checking or a savings account as well for the food?

utterance: I think I really just need checking personally.

utterance: OK. And will this be in the same business name and just a sub account of that business?

utterance: Yeah, if that's possible to do it that way. So if I could if I could just do it under the same business name and then have just a different account number.

utterance: Yeah. OK, Jill. So you are currently an Intellibank business preferred checking member. Is that the same type of account that you're wanting for this new account?

utterance: Yes that's that's perfect.

utterance: All right. Just bear with me, OK? I'm gonna get some information from you. It'll be most likely just be verifying information that's already on your other account. but I do need to get some stuff from you.

utterance: That's no problem. Whatever you need I'm here.

utterance: All right. Jill, I have just a few questions for you. What is the name of your business?

utterance: It's Johnson Controls.

utterance: All right Jill. What is your date of birth?

utterance: It's March second of nineteen eighty.

utterance: OK. And what city and state are you in?

utterance: I'm in Kansas City, Missouri. that's six four seven two zero.

utterance: OK. And can I also get your street address?

utterance: Oh my God. I'm so sorry. Yes, it's nine one three Hootan Avenue.

utterance: OK. And can I get your Social Security number Jill?

utterance: Yes. So that's seven three eight zero two zero seven eight three.

utterance: OK. And what is your driver's license number?

utterance: It's M nine three seven zero zero two zero zero.

utterance: OK. And the state of issuance for that?

utterance: It's out of Kansas. I'm in Missouri but it's out of Kansas. I. I just haven't got a chance to get it turned over. I'm sorry.

utterance: That's no problem at all. can I ask Jill. Are you the only owner of the business?

utterance: Yes I'm the only owner of the business.

utterance: OK. And when did the business open?

utterance: It's opened August of two thousand and fifteen.

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

utterance: So it's a Missouri tax ID and it's seven three eight eight two nine zero.

utterance: Thank you Jill. And what is the address for the business?

utterance: So that's eight three seven two Hillshire Way and that's Kansas City, Missouri, eight three six seven two.

utterance: Thank you Jill. Can I get an email address to you for you just to confirm that.

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

utterance: All right. And Jill, when you receive mail from Intellibank, do you receive that at your home address or do you receive that at the business address?

utterance: I generally get everything sent to the business address so that's how I'd like to keep it if possible.

utterance: Yeah. That's fine. OK. So I'm going to set this account up for you. Give me just a moment, OK? Jill are you wanting this account to. You're wanting this account to also be under Johnson Controls but we can add a prefix to the account so it's easier to identify than just by the account number. so under one account you have Johnson Controls. You have one, Johnson Controls Payroll. Were you wanting me to put this one under Johnson Controls and then add Johnson Controls Foods to it? That way, you could kind of distinguish between the accounts, outside of those account numbers.

utterance: Yes. If we can just do Johnson Controls Food account. That'd be great.

utterance: All right. Let me get that updated. I'm gonna get that application for this account put through. Getting that set up. OK. OK. So after I have the account set up, I'll email over you a new account disclosure for signatures and your new account information. You should also be able to see that account go live if you have online banking as well. So once you get that information, it'll just ask you to verify a few things through your email and your online banking and then the account will be set up. Did you want me to order a new debit card for this account for you as well?

utterance: yes. That'll be great. Can you do that?

utterance: Yeah. I have the account set up. I'm gonna send in an an email with everything to you now and I'm gonna get that debit card ordered. Did you want me to send that debit card to your home or business address?

utterance: Just go ahead and mail that to the business address too. That's fine.

utterance: OK. All right. So I have got that ordered. I've got the account set up and I've got that email headed out to you now. So you should have everything that you need. If you if you open that email and you have any questions regarding what you're looking at or the disclosures, give us a call back and we'll kind of walk you through that. But that should be everything you need for this account today. Was there anything else I can help you with?

utterance: No. I think that's everything. I'll just look for the email and let you know if I can't find anything. I appreciate it.

utterance: No problem at all Jill. Thank you for choosing Intellibank. Again, that information will come to you in an email here shortly. If you have any questions, give us a call back. But thank you for choosing Intellibank and you have a great day.


utterance: Welcome to Intellibank customer service. My name is Suzie. How can I help you today?

utterance: Yes. Suzie. What's up, Suzie?

utterance: Not much. How are you doing?

utterance: Do you sit? Do you sit? got started early this morning. Live by the beach and, you know, the bar's open earlier So me and my boys, my boys from college, came down and visited and. The old crew. We got the old wrecking crew back together. Had ourselves some omelettes and booze. You know, so, we we were rolling around on on beach cruisers and cruised back inside cuz. Not enough much endurance anymore. You know what I mean?

utterance: Yeah, that sounds like such a beautiful way to start the morning.

utterance: I mean, beautiful? Not the word I would use. But I guess it's all pretty beautiful. You're right. Life is beautiful.

utterance: Life is beautiful. Who am I speaking with today?

utterance: Oh hey, what's up. Sy gnomes. Sorry to be calling you Suzie, and you don't even know my name. This is Sam.

utterance: Sam. Thank you. how can I help you today?

utterance: Hey Suzie. I calling cuz I wanted to set up an automatic credit card payment. But don't worry. I I've sobered up.

utterance: Great. I can definitely help you set up that automatic credit card payment. can you tell me your first and last name, please?

utterance: Yeah. Yeah. Sam Bracket.

utterance: Thank you, Sam. what is your date of birth?

utterance: February fourth nineteen eighty-six.

utterance: February fourth nineteen eighty-six. OK. And what is the PIN number associated with your account?

utterance: One nine nine four.

utterance: One nine nine four. Amazing. Thank you for that information. I'm pulling up your account right here. Give me a second.

utterance: no problem.

utterance: OK. So can you please verify the number of the credit card on your account?

utterance: yeah. Four zero seven three one nine eight two seven three three one. eight five zero zero.

utterance: Eight five zero zero is the credit card number, yes. OK. Yeah. That's. That's the credit card. Thank you for verifying it. What is the date you would like to pay it off each month?

utterance: That's the last four. Yeah.

utterance: Oh, let's do the first. I don't even want to worry it about the other thirty days. Huh.

utterance: Really. A lot of customers choose the first. what is the bank account number you'd like to pay from?

utterance: Oh. One two two two three nine seven one is the one.

utterance: OK. And the routing number for that account?

utterance: Eight seven four zero five two three six six one.

utterance: Great. Thank you so much for that. So, I'm processing the automatic payment scheduled on the first of each month, starting with the first of next month, December, for the credit card ending in eight five zero zero from the bank account ending in three nine seven one.

utterance: Mhm.

utterance: great, that's all put through and you'll receive an email shortly with that confirmation. Is there anything else I can help you with today?

utterance: Yes. also in the just looking at this promotional offers I got from you. just want to set up an appointment with a risqué specialist.

utterance: Oh, yeah. The risk specialist. We can definitely help identify the risks of your business.

utterance: Oh. The risks. The risk specialist. I. Yeah. That's that's what I meant.

utterance: Yeah.

utterance: OK. would you prefer to see the risk specialist in person or online?

utterance: What's less risky?

utterance: Mm. That is a very good and difficult question. I would say neither are risky though. You are in safe hands at Intellibank.

utterance: Well I'm gonna go because we're in a pandemic still. So, you know, Suzie, so I'm a go online.

utterance: Most definitely. OK. Let's schedule you for an online appointment. The dates for online appointments in the schedule are are pretty flexible, so, what is a good date for you?

utterance: I'll take either a Thursday or a Friday. And in the afternoon.

utterance: OK. I have an appointment for Thursday at three and at four or Friday at noon and at one.

utterance: Give me the last one you said. Friday at one?

utterance: Yeah. Friday at one p.m..

utterance: That that'll work. Let me write that down in my little calendar, here. Friday at one p.m.. Cool. Cool. Cool.

utterance: You'll also receive an email after we get off the call, confirming the that it'll be on Friday at one p.m. and it'll include the link for the online web portal.

utterance: OK. That works for me too.

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

utterance: Nah. Thanks. Thanks for letting me letting me letting me do that.

utterance: Thank you so much for calling Intellibank.

utterance: All right. Goodbye.


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

utterance: Hey, John. Intelligent Bank, correct? I'm looking to see about my my direct deposit. If you could check that out. .

utterance: This is actually

utterance: Intellibank, sir. Sorry to interrupt you. I was that who you were looking for?

utterance: yeah. I believe so. I think Intellibank is is correct. Let's let's go with that. Let's see if everything matches up I guess.

utterance: All right.

utterance: Let's see.

utterance: so how can I help you today?

utterance: I want to know if you guys are doing direct deposit. If that's. If that's implemented on my account.

utterance: we are doing direct deposit. Let me see if that's implemented on your account. we can check that very easily.

utterance: we just need to start out by getting your.

utterance: You guys do auto loans

utterance: Too?

utterance: Oh, we also do auto loans. Yes.

utterance: before we get in to any of these though. I'm gonna need to ask for your account's number and your PIN.

utterance: All right. give the account first.

utterance: Four four one six seven five five eight three nine.

utterance: Great and the PIN?

utterance: Five two two five.

utterance: Thank you very much and what is your full name as it appears on the account?

utterance: Bill Martins.

utterance: And just for security purpose, I'm gonna need your date of birth.

utterance: Seven fourteen eighty-eight.

utterance: And the last four of your social?

utterance: Nine eight four one.

utterance: All right. This is loading here. Just give me a moments.

utterance: How is your week going for you?

utterance: Slow, honestly. yeah. Real slow. I don't know. Wife's been out with some trip with her friends which you'd think it'll have me a little bit more time. But not really. I'm with the kids in there in and out and all I'm doing is drive them here in and there. From school to practices, to their friends house, to the parties and that becomes a drag. It's been no time for me and I need a little bit. I thought I'd have that window. You know, the wife's doing her own thing but nope. That's just means I have the kids now. Ugh, most of my friends are out of town and they're on a golf trip and I can't do that. It's it's been a little bit of hell.

utterance: But you know. It's it's it's life. I supposed, at this point, I got myself into you know. About yourself? Kids? Family?

utterance: No. Just just this job but I I understand how it can be a struggle to be both a small business owner and a parent. it must be rough balancing those things and that's why we're here to help at Intellibank.

utterance: And we're gonna try to make this as smooth and easy for you today.

utterance: So we are now in your account. would you like to start by checking the account balance?

utterance: Sure. Yeah.

utterance: All right. Looks like you have a commercial checking account with us.

utterance: And the current balance is twenty-three thousand eight hundred forty-five dollars and twenty-six cents.

utterance: Excellent. Excellent.

utterance: Gotta hide that from my wife, you know. She's on that trip. I don't know if she can get to the account. But I think, I think it's just my name on the account. Correct?

utterance: yes. It is only your name and your business that is on the account.

utterance: Excellent. Excellent. Excellent.

utterance: now you mentioned direct deposit. Are you looking to set that up today?

utterance: If possible, yes.

utterance: All right. All I'm gonna need to do that is the nine-digit routing number from the checking account.

utterance: OK. Let me pull that up. One second.

utterance: Here we go. Five four seven three two one five eight one.

utterance: All right. That is all set up. is there anything else I can help you with today?

utterance: I guess back to the the auto loan question.

utterance: Yes.

utterance: under my current commercial account, what are kind of you guys have a favorable terms if I want to put in a car in there? Let's say, it's a company car.

utterance: yeah, we offer auto loans even if it's a personal automobile.

utterance: Excellent. Excellent. Excellent.

utterance: It doesn't necessarily have to be a company car.

utterance: should I transfer you over to a loan officer or is that something you'll be pursuing today?

utterance: yeah, I'd love to talk to a loan officer. I think it'll give me a little bit more information and I'd probably come back with you guys and and see if we could get this done then.

utterance: Well, great. I will transfer you over there.

utterance: it has been my pleasure to help you today and thank you for calling Intellibank. Bye.


utterance: Hi this is Jess Jones at Intellibank. How can I help you today?

utterance: Hi Jess, I would like to speak to a specialist. I got something in the mail. so I would like to be set up with a specialist.

utterance: OK and what what type of pamphlet did you receive that you are looking for some clarification on?

utterance: It's for business taxes.

utterance: OK sure I can go ahead and set you up with a tax specialist. Can I start by getting your full name?

utterance: Yes my full name is Carl Mills. My birth date is November seventeenth nineteen sixty-eight.

utterance: OK you said November seventeenth nineteen sixty-eight?

utterance: Yes.

utterance: OK great. I'm gonna go ahead and pull up your account. Can I start by getting your credit card number please?

utterance: yes. One second I've seemed to misplaced it.

utterance: Of course. Take your time.

utterance: And this is odd. Honey? You seen my wallet? I'm on the phone! OK got it. OK, ready?

utterance: Yes.

utterance: Five two nine three four five five five, seven eight two eight two one one five.

utterance: OK and I'm just gonna read that back for clarification. That was five two nine three four five five five seven eight two eight two one one five.

utterance: That is correct.

utterance: OK great. I'm gonna pull up your account but before we can proceed any further I just need to ask you a few questions for the security of your account.

utterance: OK.

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

utterance: Yes my PIN number is all two's. Two two two two.

utterance: OK. And can I also get the last four digits of your social?

utterance: Yes absolutely it's gonna be six one one nine.

utterance: Six one one nine. OK. And for your security question what was your favorite sport growing up?

utterance: Yes.

utterance: Well my favorite sport was basketball and that's kind of what this business that I got going on that I'm I'm doing a little youth league. And so, that's kind of why I'm calling. I I personally love kids. I don't know how you feel about kids. do you have any kids?

utterance: I actually don't but I do think that's great that you're doing something for the kids. I actually do have your account pulled up right now. So let me see. And you are looking to speak with one of our tax specialists. OK. I'm pulling up the scheduler right now. Is there a specific day that you were looking to speak to someone?

utterance: OK.

utterance: Yeah, let's do it back on next Tuesday.

utterance: Next Tuesday OK let me check on that. OK we do have a few appointments available on Tuesday. Is there a specific time of day you were looking to have this meeting?

utterance: Yeah, I I would love like maybe around two thirty p.m..

utterance: OK let me see. We have one at two forty-five. Does that work?

utterance: That's OK Yeah two two two forty-five works.

utterance: OK. Let me schedule you for two forty-five on to next Tuesday.

utterance: OK.

utterance: OK and let's see, would you rather have that conversation online or in person?

utterance: I can do. Let's do. Can you do phone or no?

utterance: yes we can do phone.

utterance: OK let's let's do phone call.

utterance: OK let me schedule that in the system. One moment, we're experiencing a little bit of a lag.

utterance: OK no problem.

utterance: Sorry about that just one moment.

utterance: Mhm.

utterance: OK so I do have you in the system. You're gonna be speaking to one of our senior agents Vance James.

utterance: OK.

utterance: And I do have you all set to go so all you really need to do is wait for that call.

utterance: Well and in question, so on the service that I got I want to sign up for the black card. The black package.

utterance: are you speaking about our platinum card perhaps?

utterance: yes. And this is Indeli~

utterance: Intellibank.

utterance: Got it. Yes. OK that platinum yep that works.

utterance: Yes and that is included with your account.

utterance: All righty.

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

utterance: I think that's it this, follow up question. This doesn't cost me anything on my account does it?

utterance: No no.

utterance: OK free consultation. Perfect. Yeah, that works for me, works for me.

utterance: Yes, of course.

utterance: OK great. You have a good day.

utterance: OK bye.


utterance: Hi. This is Dani Brooks at Intellibank. How can I help you today?

utterance: Hi. This is Harris.

utterance: Hi, Harris.

utterance: How are you?

utterance: I'm good. How are you?

utterance: I'm good. I'm good. I would I would be much better if I if I could speak to a financial advisor. I I'm looking to potentially deposit a big sum into my account, and I'd just like some guidance from a financial professional. Could could you help me with that? Are you a financial advisor?

utterance: I'm not actually financial advisor, but I'd be more than happy to help you get set up with a meeting with one.

utterance: Oh, OK. OK. Yeah, that that works. That works.

utterance: OK, I'm going to pull up your account. So can I start with getting your full name and your date of birth?

utterance: Yeah, my name is Harris Ross.

utterance: OK.

utterance: And my birthday is four nineteen in eighty-nine.

utterance: Four nineteen, nineteen eighty-nine. OK, great. So I'm gonna go ahead and pull up your account. Can I get your credit card number, please?

utterance: That's right.

utterance: Yeah, yeah. Let me. There's some money. I just had it. You know, and ever just feel like you'd just lose your head if it wasn't attached? I.

utterance: Mm. All the time.

utterance: I.

utterance: You know, wow. I I Like I called with it in hand. And like now I can't. I'm I'm losing. Oh, it's in my pocket. All right, all right. Sorry about that. That's.

utterance: No worries.

utterance: How embarrassing. All all right, so it's eight seven nine one one five zero zero zero nine zero five nine seven zero zero four four eight five.

utterance: OK, and just to confirm, that was eight seven nine one one five zero zero zero nine zero five nine seven zero zero four four eight five?

utterance: Yes. Yeah, my and my card is a particularly long number. I don't know why but, yeah, that's that's it.

utterance: You're one of the few with the really long credit card numbers.

utterance: Few, right?

utterance: OK, so I'm putting that in. And OK, great. So before we any further, I just need to verify some information for the security of your account.

utterance: Oh, yeah. That's OK. Go ahead.

utterance: OK, great. can I start by getting your PIN number?

utterance: Yeah, it's ninety-three fifteen.

utterance: Ninety-three fifteen. OK, and I'm gonna go ahead and ask you just a few security questions that you set up when you created your account.

utterance: OK.

utterance: OK. What is your favorite sports team?

utterance: Atlanta Braves.

utterance: OK, great. And.

utterance: See the Braves? You you see that World Series the Braves won? I think it's about time doing. Haven't had a win like this since ninety-five.

utterance: Mm.

utterance: I'm actually. I don't really follow sports, but.

utterance: Oh.

utterance: OK. OK. That's. Well, hey, it was. They killed it. They did. They did so wow. It it was amazing. I'm going to the Braves parade on Friday. It.

utterance: Mm.

utterance: Oh.

utterance: Fun.

utterance: Yeah. yeah, sorry. What was your question?

utterance: the. This is the last one. It what street were you born on?

utterance: Oh, yeah, yeah. I was. I was born did I live on when.

utterance: Oh, yeah, sorry.

utterance: Yeah, absolutely. I was born. I.

utterance: I actually was born on that same street, but not like in the street. Like I was born in my house.

utterance: It was on the street. Yeah. So it's kind of not a wrong question. But but but Cherry, Cherry Avenue.

utterance: Oh OK. So it works out.

utterance: Cherry. OK, great. I am currently in your account. Let me pull up your information. OK, great. So I'm gonna open the scheduler. And you said you were looking to speak with one of our financial advisors, right?

utterance: Yes.

utterance: OK, great. did you have a specific day that you were looking at?

utterance: Could we do next week, maybe mid-week, like maybe Wednesday or Thursday?

utterance: Yeah. Let me.

utterance: If there's.

utterance: Availability.

utterance: Let me take a look. OK, so I'll start with Wednesday. One moment. OK, so Wednesday, we have a few times open. Is there a specific time of day that you were looking at?

utterance: Mid-day. Mid-day would be great.

utterance: Mid-day. OK, yes. We have one at one thirty. Does that work?

utterance: Yeah, that's great.

utterance: OK, so I'm setting you up at one thirty on Wednesday. And did you want to have that meeting by email, over the phone, or in person?

utterance: you know what? We could email. We could email.

utterance: OK, great. That works. can I get your email?

utterance: Yeah, absolutely. It's R I P four three eight at Gmail dot com.

utterance: OK, so I have that as R I P four three eight at Gmail dot com.

utterance: Yes.

utterance: OK, great. So you are in the system. You will be getting an email at that time. Is there anything else I can help you with?

utterance: No. That's perfect.

utterance: OK, great. Thank you. Have a good day.

utterance: Thank you. You too.


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

utterance: Hi, Daisy. I have some debt.

utterance: All right. What can I do for you?

utterance: Well I need to expand my business but I don't I can't really do that if I have these current debt conditions.

utterance: Oh I see. Are you looking to apply for a loan today?

utterance: Yes.

utterance: And it sounds like if you are having debt issues are you looking to do an SBA five oh four loan?

utterance: Yeah.

utterance: OK I'll be happy to help you with that. You would like to apply for that today over the phone with me?

utterance: Yes please.

utterance: All right no problem I'll be happy to help you with this. What is your full name and address please?

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

utterance: What is your date of birth?

utterance: My date of birth it's September twenty-first nineteen ninety-nine that's what it says on my driver's license which is correct but when I was born the hospital put my date of birth on my birth certificate as the twenty-second and that's incorrect. I'm currently having it fixed but I don't know if that's gonna be an issue for you guys.

utterance: OK. So September twenty-first is the correct date of birth and it is what is listed on your driver's license?

utterance: Yes.

utterance: And your driver's license is valid?

utterance: Yeah.

utterance: OK. That will be great. what is your telephone number please?

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

utterance: G E M O R Y T R A D E S at Gmail dot com?

utterance: Yeah.

utterance: Thank you Georges. And what is your social security number?

utterance: Four twenty-one three eight four four eight one.

utterance: Thank you. What is your driver's license number and from which state was it issued?

utterance: Z one zero seven two eight nine one one two and it was issued in Missouri.

utterance: Thank you. What is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: George what is your business name?

utterance: Emory data management.

utterance: Thank you. Are you the sole owner?

utterance: Yes.

utterance: And when was your business established?

utterance: December eighteen twenty nineteen.

utterance: What is your gross annual sales?

utterance: eight hundred and eighty nine thousand dollars.

utterance: Thank you. What is your tax ID number?

utterance: Seven three nine zero zero one zero two nine.

utterance: Wonderful. What is the address of your business?

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

utterance: Thank you. Now if Intellibank needs to send you anything via mail would you like the mail sent to your home or your business address?

utterance: I would like it sent it to my business address.

utterance: One more time what was that?

utterance: Thank you. And we're applying for an SBA five oh four loan. So what is the loan purpose the purpose for this loan request?

utterance: I need to refinance some debt.

utterance: Debt refinance OK. And how much are you requesting?

utterance: Six hundred and ten thousand dollars.

utterance: Thank you. And what kind of down payment percentage were you looking at putting down on this?

utterance: I am ready to put down fifteen percent so ninety-one thousand five hundred dollars.

utterance: Great thank you. All right George that's is all the information I need in order to go ahead and submit this application. It will be just a moment and I'll have a transaction ID number for you. You can use this number as a reference any time you need to talk to us about this loan.

utterance: OK. How is your day going Daisy?

utterance: So far so good. How about yours?

utterance: Oh it's going good you know just been sitting at my desk all day handling business trying to get all this stuff done.

utterance: Sure sure I am ready with this transaction ID number if you're ready.

utterance: I'm ready.

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

utterance: Nine nine one seven six two nine. Got it.

utterance: Now very shortly you'll receive an email that requests some supporting business documentation. Once you have submitted that information it will take up to three business days and then you will have a the results of your application.

utterance: OK.

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

utterance: No that should do it.

utterance: OK. Well thank you for choosing Intellibank and have a wonderful day.

utterance: You too. Bye.

utterance: Bye.


utterance: Hi. This is Beth Park at Intellibank. How can I help you today?

utterance: Hi Beth. This is Faisel.

utterance: Hi Faisel.

utterance: How are you?

utterance: I'm good. Thank you for asking. How are you today?

utterance: I'm I'm all right. I'm all right. thank you so much for answering my call.

utterance: Of course.

utterance: I dunno if I called the the right number. is this So essentially this is you said this is Chase Bank?

utterance: this is Intellibank.

utterance: Oh, Intellibank. OK. All right. Well I do have Well I I gotta call Chase Bank later today as well. But I guess. Sorry but no you guys are I do bank with you though. I and I I need a couple things.

utterance: OK.

utterance: OK.

utterance: Done. so I actually need help with two things.

utterance: actually it's actually just one thing actually. Well the main thing. so I I do have an account with you.

utterance: OK.

utterance: And and so essentially I received a statement in the mail the other day but I I got I misplaced it before I even opened it. And so I didn't get to see what my loan balance was.

utterance: OK. Yeah. I'd be happy to pull that up for you.

utterance: so yeah. Would if you could help me find out what my loan balance is that'd be super helpful.

utterance: OK. Great. Can I start by getting your full name please?

utterance: Oh yeah. So Fazel F A I S E L.

utterance: OK.

utterance: Last name is Pirani.

utterance: Is that P E R R O N I?

utterance: This is actually P I R A N I.

utterance: A N I. OK. And what's your date of birth Faisel?

utterance: So my date of birth is September fifth nineteen ninety-four.

utterance: September fifth nineteen ninety-four. OK Faisel. I am gonna go ahead and pull up your account. Can I start by getting your your credit card number that you have on file?

utterance: Oh yeah. Absolutely. So the card that I have on file is it's five seven three four nine six zero two seventeen fourteen zero zero one five two three five six.

utterance: Mhm.

utterance: OK, I think you might've given me just a few extra digits. Did you give me the security code as well?

utterance: I did.

utterance: OK.

utterance: Actually the last four yeah. Sorry. So disregard the last four digits.

utterance: OK. Great. So that was just five seven three four nine six zero two one seven one four zero zero five two.

utterance: That's right. And then the security code is is actually nine one six.

utterance: OK. Great. And so I am gonna go ahead and pull up your account but before we can proceed any further I do need to ask you a security question for the integrity of your account.

utterance: OK. That's fine.

utterance: OK. What's your PIN number? You said nine one six?

utterance: Oh yes. It's nine one six zero.

utterance: Nine one six zero. OK. Great. So let me pull up your account. Thank you for verifying that information for me Faisel. Gimme just one moment. OK. So I do have your account in front of me. And you said you wanted to check on your loan?

utterance: Yeah.

utterance: What's the loan account number?

utterance: The loan account number is is actually nine three four seven one two six.

utterance: Nine three four seven one two six. OK. Great. So let's see. It looks like your loan balance is seven thousand three hundred and eighty-eight dollars.

utterance: Oh. OK.

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

utterance: Yeah. wow. OK. I was expecting it to be a little less but I mean I do recall we had to spend a little bit extra last week on on on some supplies. So that's probably what what got the balance up there to seven grand range you know?

utterance: Yeah.

utterance: and and so I dunno. I think well actually could you would you mind sending it to me again? The the just like the loan balance?

utterance: Sure.

utterance: Yes. And what email would you like that to go to?

utterance: you could do Faisel P at G at at Gmail dot com.

utterance: Faisel P.

utterance: At Gmail dot com. OK. Great. Is there anything else I can help you out with?

utterance: Oh, one more thing. Could I could you request an investment. I'd I'd like to request an like an investment report.

utterance: Yeah. I can go ahead and generate that for you.

utterance: For and and for

utterance: The same account. And then you can send it to the same email. And that that pretty much.

utterance: OK. Great.

utterance: That would put me into place. You could.

utterance: OK. So

utterance: Let me go ahead and generate that. Gimme just one moment.

utterance: No problem.

utterance: OK. And you said you wanted it to go to Faisel P at Gmail dot com as well? OK, Faisel. So that should be going to your inbox by the end of the day. If you don't see it in there go ahead and check your spam folder cuz some of our clients do report that our mail can be directed there. And before I let go, I just wanted to let you know that you do you are up to receive a free copy of your investment report every three months. Is that something you wanted to be enrolled in?

utterance: Yep.

utterance: Yes, please.

utterance: OK. I did go ahead and check that box for you. So is there anything else I can help you out with today?

utterance: No, that's it.

utterance: OK. Well if there's nothing else you have a lovely day.

utterance: You too.


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

utterance: yes. I've I've heard about a quick liquidity ratio.

utterance: Yes sir.

utterance: And I'm not quite sure what that is. Can you explain that to me?

utterance: Yes, I'd be happy to explain that. So the quick liquidity ratio is a company's ability to meet its short term obligations and we calculate that by taking the value of specific company assets and dividing it by the value of the current short term liabilities.

utterance: OK. I do have a business account and I was wondering if you could give me that ratio.

utterance: Certainly. I'll just need to get some information from you. Can I have your name please?

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

utterance: Thank you. And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: And your PIN number?

utterance: One zero six two.

utterance: Thank you. And then which time period would you like for me to calculate this?

utterance: Let's do year to date, if you can.

utterance: Absolutely, I can do year to date. give me just one moment to run this report.

utterance: Your day going pretty good so far?

utterance: Yes sir. My day is actually going quite well, how has your day been?

utterance: Doing pretty good. Weather been pretty good up there where you're at?

utterance: Yes. The weather has been pretty good up here.

utterance: All right. It's been doing pretty good here too.

utterance: Well that's great to hear. It's always nice when the weather is good.

utterance: Yes.

utterance: All right. So I've got that report ran and it appears that on a year to date time period, your business quick liquidity ratio is point three two.

utterance: OK. I assume that's pretty good.

utterance: yes sir. That's a a fairly low liquidity ratio. again, that is just the the value of those certain company assets divided by the total current liabilities against your company. so the. Somewhat like a percentage, but out of a total of five. So point three two is quite low, yes.

utterance: OK, that's good. and I understand that online banking is an option for me.

utterance: it's. It certainly is sir. is that something you would like to set up today?

utterance: I. I.

utterance: OK.

utterance: yes, if you can.

utterance: I can absolutely get that set up for you. let me just get a few more pieces of information. Can you verify your email address for me?

utterance: Thomas Customs at Gmail dot com.

utterance: All right, thank you. And is that the email that you would like your online banking communications to be sent to?

utterance: Yes.

utterance: Perfect. And then I have generated a user name and a temporary password for you. Whenever you're ready to write these down.

utterance: OK. Hang on a second. Let me get something to write with.

utterance: No problem.

utterance: OK I'm ready.

utterance: All right sir. Your user name is going to be D Thomas. D T H O M A S.

utterance: OK.

utterance: And your temporary password will be capital L capital Q four zero capital T six.

utterance: OK. I've written that down.

utterance: All right sir. So all you will need to do to finish getting your online banking set up is to go to the Intellibank dot com home page And in the top right hand corner. Corner, sorry. You will see a location to sign in. If you just enter those details that I have provided you, it will then prompt you to create your own unique password, and it will then guide you through the rest of the process.

utterance: OK, that sounds pretty easy. what other type of services do you offer?

utterance: yes. We, in addition to our business checking accounts, we also offer three tiers of business credit cards. we have a business savings account a wealth management investment account and then we also offer a variety of business loans.

utterance: OK. That sounds great.

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

utterance: I really can't think of anything.

utterance: All right. Well thank you for calling Intellibank. And I hope you have a great evening.

utterance: All right. Thank you.

utterance: Thank you. Goodbye.

utterance: Bye bye.


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

utterance: Yes I received something in the mail about quick approval loans or something. Can you explain it?

utterance: Sure, I'll be glad to assist you with that ma'am. If I could ask, do you have an account with us?

utterance: Yes.

utterance: And what is your first and last name?

utterance: Evelyn Richards.

utterance: Miss Richards, what is the name of the business that has an account with us on file?

utterance: Jones, Bid and Bell. And I would also like to know what the branch hours are?

utterance: Absolutely. our branch hours, Miss Richards, are Monday through Friday from nine a.m. to five p.m. and closed on the weekend.

utterance: OK, great, thank you.

utterance: You're welcome. And, Miss Richards, we're going to ask a few more questions here in order to verify your account. Because we do take your account security very seriously here, and, it is for you and your businesses protection. Is it all right if I ask these questions?

utterance: yes it's fine.

utterance: Awesome. And Miss Richards, if I could ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right. And, Miss Richards, what is your account number.

utterance: My complete account number is nine eight four six five nine.

utterance: OK. Thank you for that. And, Miss Richards, what is your PIN number?

utterance: one zero one seven.

utterance: All right. Awesome. And yes ma'am, as I review it here I was able to verify your business total checking account with us. And with that, you mentioned that you wanted to go ahead, a well, you of course mentioned that you received a notice about the quick loan approval process that we have here. And, we were notifying you of that because we do have a terrific a source of funding with our SBA five oh four loans. And with that the processing of those loan applications are pretty quick as far of approvals, as a matter of fact, they are very fast, compared to some of our more traditional loans. In part because the federal government does back those loans in part and so it makes it where with the federal government backing some of those loans as well as with our backing. It makes the process much faster to get loan approvals. on these loans. At really some of the lowest interest rates available.

utterance: Well, I'm glad I got that, I really like that.

utterance: Well terrific. I mean it sounds like that might be something you'd want to take advantage of, if so, I mean, I'd be happy to take an application, for you, right over the phone here today.

utterance: Well good, I sure would.

utterance: Well terrific, terrific. I'm just gonna ask you a few questions here Miss. Richards. in order to initiate the loan application. And, then of course, proceed from there. Is that all right?

utterance: That'd be just fine.

utterance: All right, Miss Richards, the first question I'm going to ask you is. What is your personal address for your self?

utterance: It's three six eight eight Avondale Avenue. Smyrna, Georgia. three zero zero eight zero. You know, I am so, and I really am, I just can't get over, and I I'm not trying to, the Brave's win. World series. I'm so happy.

utterance: Well congratulations, I they, you should be excited. When your team wins a world championship who doesn't get excited about that? And I think frankly, a lot of folks around the country like your team, and are joining in in the celebration.

utterance: It did. It just took that cloud from over the city, we needed that win, it was awesome.

utterance: Well, congratulations, and again, they definitely made it exciting to watch.

utterance: Yes.

utterance: And Miss Richards, what is your business address?

utterance: one zero seven five. Lehman's Court Smyrna, Georgia. Three zero zero zero two.

utterance: All right, and what is your mailing address?

utterance: Ten seventy-five. Lehman's Court. Smyrna Georgia. Three zero zero zero two.

utterance: And what's your social security number?

utterance: Two thirty-five zero six eighty-two sixty-eight.

utterance: And what is your drivers licence number?

utterance: Zero nine seven five nine eight two two.

utterance: And what state is that licence in?

utterance: Georgia.

utterance: And what's your tax ID number?

utterance: It's seven thirty-one six ninety-five. Eight twenty-two.

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

utterance: I'm sole owner.

utterance: And when was the business started?

utterance: It was established March the first of nineteen seventy-nine.

utterance: OK. Thank you for that. And what is the gross annual sales for the business?

utterance: Eighteen million.

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

utterance: I want to purchase some property.

utterance: OK. And, what is the loan term you're looking for?

utterance: I'm looking a maybe like a five year term.

utterance: OK. OK. And you mentioned that the purpose of the loan is really for a real estate related cost.

utterance: Right. You know, renovations and audition, no you know, to you know some of the property et cetera.

utterance: Certainly, certainly. And what percentage where you looking to put down?

utterance: Five percent.

utterance: All right, terrific.

utterance: And, what is the loan amount again that you were looking for?

utterance: Well I'm looking actually for one point five million.

utterance: OK. Terrific, terrific. With that said, Ms. Richards, I would, have a couple of more questions here. What is your business email address?

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

utterance: And what is your personal email?

utterance: E dot Richards at mail dot net.

utterance: Terrific. Miss Richards, I believe I have everything I need on my end here. To go ahead and submit your application over to our loan department. Our SBA loan department. And what they'll do is review your application and generally speaking within around two to three business days, approximately they'll be in contact with you and let you know what the next steps are. although, just as mentioned, we do generally have quick approvals. And so, in many instances it's likely within twenty-four hours, that you'll receive a response. Depending on what time of day you called in as far as, near five p.m..

utterance: OK. That sounds good.

utterance: Miss Richards, is there anything else we can assist you with?

utterance: Not today.

utterance: Well again, we do look forward to getting a this process for you here quickly. And we certainly appreciate you considering us for your SBA loan.

utterance: Well thank you for all your help today.

utterance: Thank you Miss Richards, and you have a great day.

utterance: You too bye, bye.

utterance: Bye.


utterance: Thank you for calling Intellibank.

utterance: This is Bridget. How can I help you today?

utterance: Hi Bridget. I am trying to get my taxes together for the year and I I really have no idea what I'm doing. is there something anything you guys have there that can help me with this?

utterance: yes sir. We offer free of charge to our customers to set up appointments with a tax speci- specialist here on site.

utterance: OK, and what is tax specialist exactly?

utterance: tax specialist is one of our accountants or our, on our, are on our legal team who specializes in helping you to prepare and file your taxes. It's a free of service charge account owners as I mentioned and you can schedule through online banking or with me today.

utterance: OK. Well yeah. That sounds probably like what I need. So guess, let's go ahead and get one of those appointments scheduled if we can.

utterance: All right. Well, I need to get a little information. I need your name.

utterance: Jerry Hoffman. H O F F M A N.

utterance: Thank you sir. And your date of birth?

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

utterance: All right. And I'm gonna need a PIN number to continue forward.

utterance: OK it's nine three eight zero.

utterance: OK. when would you prefer to have your appointment date? And would you prefer that to be online or in person?

utterance: online for sure and let me look through my calendar here for just a second. Your day doing OK?

utterance: OK.

utterance: So far so good. I'm a little tired today.

utterance: Oh yeah, I'm always a little tired. So I know how you feel.

utterance: Mhm.

utterance: OK. How about next Tuesday?

utterance: Next Tuesday will be fine. Just let me look through our schedule. Up. Actually it looks like Tuesday is booked solid.

utterance: What would What does your Monday look like?

utterance: Oh wait. I'm sorry. That's a legal bank holiday. I meant on Wednesday. What's your Wednesday look like?

utterance: Wednesday Yeah. I could do Wednesday I guess.

utterance: OK, would you prefer morning or afternoon?

utterance: Morning.

utterance: Well, OK. I have a ten thirty AM.

utterance: OK that'll work.

utterance: OK. And one of our tax specialists will be contacting you at. Let me just verify the number that you have.

utterance: Seven zero eight two one two seven three four two. Is that correct?

utterance: That is correct.

utterance: All right. And you may also receive an email notification from our accounting department.

utterance: OK.

utterance: All right. And we'll get you set up with all of that and it looks like I've already confirmed the appointment. All right. Is there anything else I can do for you today?

utterance: yeah. What other Do you guys have other specialists or advisors there that

utterance: We do actually.

utterance: You do offer?

utterance: We also have risks specialists and that is a financial managers that use specific training and skills and experiences to identify possible risk that could result in lower cash flow and higher insurance rates for your business. So they just kind of help you avoid the pitfalls. And then we also have some investment specialists when you're ready to invest, they help you to identify investment opportunities for your business.

utterance: OK. do you have notary public services there?

utterance: We do at the bank yes.

utterance: OK and do you have any mobile ones that can like meet me on site or anything?

utterance: yes. That is something that we've just recently gotten into. that just requires more of a scheduled event.

utterance: OK. So I'd, I'd have to know ahead of time when I need them?

utterance: Yes.

utterance: OK.

utterance: All right. Well, let's see. Oh the other thing I meant to ask while I was here is do you offer any SBA loans?

utterance: Yes.

utterance: OK.

utterance: We do. Give me just one second. I have to turn over to the other side of my screen. Yes. We have several loans we have an SBA loan. it's called a seven A loan and that's basically a government-backed, just a general loan. And then we have one that is a six zero four. I'm sorry. The, my bad. Five zero four loan which is also government-backed but it primarily more for real estate.

utterance: OK. well good to know. All right.

utterance: All right. Is there Excuse me. Is there anything else I could do for you today?

utterance: Nah, I can't think of anything.

utterance: All right. Well, Mr. Hoffman, you have a great day.

utterance: You too, thanks.

utterance: Thank you.


utterance: Hello, thank you for calling Intellibank customer service, my name is Bart. How may I help you?

utterance: Hey Bart, I I just

utterance: I got a business and I've called you guys before. This is, this is like my fifth time actually talking to you guys in the last month. I need some. I need a loan, I need some money and I got. I applied for one of your guys loans and then I got denied and I didn't really get that elaborate of a response on why. I just. I just. It was just a flat no, so I was hoping you can explain to me or, or help me out here man. You're my bank, I need some money. If. Maybe there's options that I can, I can go with?

utterance: I'm so sorry to hear about these problems that you've been having with the bank and hopefully I can figure out a solution for you. Now based on the information that you're telling me it seems that that you are having issues with money and you would like to get some sort of financial help from the bank.

utterance: Yeah I'm not having issues I, I don't need help man. I'm, I have a business and it's brawling you know and then every business needs a little capital till I continue to build. So I don't like I'm not like. I don't want you to make me sound like I'm desperate for money man, that's not it at all.

utterance: All right, I got it. Money's cool, I just.

utterance: But when your in. But when your a business you got to continue to put some capital in there to grow right? So I just need some money to grow and I have good credit so I just need need like a loan or something to keep expanding my business, which is doing really well.

utterance: Absolutely, well I think I can help you with this situation. First of all, let me get into your account and in order to get that I will need to get some information from you. So, can you provide me with your first name and last name.

utterance: Yeah it's, last name is Everett. First name is Jerry Lee, I actually go by. That's what I go by, Jerry Lee Everett.

utterance: Great. So first name Jerry Lee, J E R R Y L E E. And last name Everett. Can you spell that for me?

utterance: Mm.

utterance: E V E R E T T.

utterance: Fantastic. Now can I get your street address?

utterance: Yeah my home address is eight five eight Prima Court Road, Ann Arbor Michigan nine zero one one three.

utterance: Fantastic and can I get your social security number?

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

utterance: Great.

utterance: And can you provide me with your drivers license number as well?

utterance: Yeah it's D six seven two four five five one.

utterance: And which state would that be?

utterance: O, I'm sorry it's Michigan.

utterance: Fantastic. Can I get a PIN number for your account?

utterance: Two two one two.

utterance: Two two one two, fantastic. And how about an email corresponding to your account?

utterance: Yes I'm going to give you my business email. It's the initials, my initials, J L E at The Hive dot com.

utterance: Fantastic, thank you and can I get your business name?

utterance: Yeah, it's The Hive Sports Bar.

utterance: Fantastic and are you the sole owner?

utterance: Yes.

utterance: Great, what day was your business established?

utterance: Two thousand and fourteen.

utterance: Is there a specific date?

utterance: Yeah it was in the spring, so I would say. It was. I think it was actually May tenth. May tenth two thousand fourteen.

utterance: Fantastic and can I get your gross annual sales?

utterance: About two twenty. Two twenty thousand a year.

utterance: Two twenty thousand a year, fantastic and what is your tax ID number?

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

utterance: Great and where is your business located? What is the street address?

utterance: Okay, it's one two one two Campus Road. It's right by the, the University of Michigan in Ann Arbor Michigan. nine zero one one three.

utterance: Fantastic and for the mailing address, is that the same as the business address?

utterance: Yeah, exactly the same.

utterance: Fantastic, I'll copy that information over for you. Okay so we are looking at loans mhm for you. I believe that is the best course of action for your business, mhm what would be the purpose of the loan?

utterance: O man I just you know, with inflation going on I could use a little help all the supplies cost a little bit more. But we're also we're also adding a lot more chicken wings to our menu. Our chicken wings have been selling really hot. What's your favorite bar food if I can ask you? What, what is. What do you like, what. When you go to the bar what's, what's your favorite type of bar food?

utterance: Oh man. Wings are up there but I, I like anything fried to be honest.

utterance: OK cool.

utterance: Yeah, so like I think we have multiple people love their fried stuff and we started doing our chicken wings. I think so, to many places now they sauce up their wings to much, you know? Your hands get all like dirty all the time or you, you reaching for all these napkins but our wings well their just old fashion, we just fry them. Deep fry them with a little bit of garlic and jalapeno's, no sauce just good old fashion fried wings and people love them. They've been selling great, like I said our business is doing great and I want to expand our chicken wing menu. along with like using the money for like other stuff with other supplies.

utterance: Would you call that a dry rub?

utterance: There's no rub so it's just there's no, there's no real seasoning beside. You get the flavor from the spices and the garlic in the wings. But actually no rub.

utterance: That's fantastic. All right, well based on this information it seems like you're doing a lot of great business and the purpose of your loan is very noble. I think we'll be able to get you going fairly shortly. Now for the loan we're going to offer you, it's going to be a secure loan which means that you're going to have to put up some sort of collateral that we'll be able to repossess in the event that you're unable to make payments, what type of collateral do you think you're going to put up?

utterance: Yeah, I'm going to put up my house.

utterance: Fantastic and So your house, how much would your house be worth?

utterance: Oh, man. I'm still making some payments, so on the mortgage. So, but my house is worth at least five hundred. Five hundred thousand.

utterance: Five hundred thousand, great. So you're looking for a loan amount about, at about five hundred thousand?

utterance: I don't really need that much, I can probably do four hundred thousand.

utterance: OK. Great. So that'll be fine, that'll be fine. All right and then how long would you like your loan term to be?

utterance: O yeah. This might have been my issue with the previous person I spoke to. I want to do over like, like, like six, seven years but that might be an issue. So I can do forty-eight months, four years, how's that?

utterance: Yup that sounds just about right. So we can do a secured loan for you over forty-eight months and based on the interest it would probably be around two point seven percent interest on top of the loan is that okay for you?

utterance: That's great.

utterance: Fantastic, so we're going to be sending you some information via email. You'll be. You'll just have to review that and make sure everything looks good to you and send whatever supporting documents that we request and as long as that goes through, you'll be good to go. Is there anything else I can help you with today?

utterance: No I'm good, thank you.

utterance: All right, take care.

utterance: Bye.


utterance: Thank you so much for calling Intellibank. My name is Rebecca and I'm here to assist you today. Who do I have the pleasure of speaking to?

utterance: Hi Rebecca, this is Charlie. You sound so thrilled. I love it.

utterance: I just had my second cup of coffee it is, it's kicking in Charlie, so I'm in I'm in a great mood

utterance: Oh gr~

utterance: That's why, that's why. OK.

utterance: You got me on

utterance: Full energy.

utterance: Oh good I'm glad. I guess I'm one of the lucky ones.

utterance: How's your day going today?

utterance: It's going better now.

utterance: Good, good, well what can I do for you?

utterance: All right basically, what I wanna do it, I wanna apply for a line of credit.

utterance: OK.

utterance: for my business.

utterance: Oh certainly.

utterance: And.

utterance: I wanna see if I'm If I get If I could get an approval for it. You know I I I'm kinda in need of it right now with, you know kinda crazy with all the pandemic and everything that's been happening.

utterance: Well, the good.

utterance: I'm sorry to interrupt you, the good news is that with covid and with so many locations being close or having limited hours, we actually besides doing at this online, we can actually do this for you over the phone now and there there's two different types of term loans. There's a secured loan, a term loan, a real estate loan, and let me know if you know, do you which one you'd like or do I need to explain any of them to you.

utterance: Oh great, wonderful.

utterance: I think the real estate loan.

utterance: OK, that's real estate loan, sure?

utterance: Yeah.

utterance: OK.

utterance: Yeah let's do the real estate , how bout you know what, no I take that back. Let's do the term loan.

utterance: OK great great yeah that one's an even easier application. Let's do that for you today.

utterance: OK.

utterance: Great.

utterance: All right so I'm just gonna be asking you for some information so that I can best assist you.

utterance: OK.

utterance: All righty and will we be using your name Charlie on the application or Charles?

utterance: let's, Charlie.

utterance: OK. and what is your last name Charlie?

utterance: Yeah.

utterance: Smith.

utterance: All right, Charlie Smith All righty. And Charlie, what is your social security number?

utterance: Sure, it's seven three two.

utterance: Mhm.

utterance: Five six eight nine two nine.

utterance: Eight nine two nine?

utterance: Yeah.

utterance: OK very good, and what is your driver license number and the state where it was issued?

utterance: D L seven five two six seven eight.

utterance: OK.

utterance: State of California and Sacramento.

utterance: And the ZIP code, oh I'm sorry I'm jumping ahead, I apologize. I'm reading something off of the the next screen I'll get to that in just a moment.

utterance: No worries.

utterance: Please take your time.

utterance: It's a little too much caffeine I guess.

utterance: Oh, yeah I know all about that.

utterance: And what is your four digit PIN please?

utterance: Seven two two two.

utterance: Seven two two two. And what is the best email address for you?

utterance: it's C Smith.

utterance: Mhm, C Smith.

utterance: at Turbo dot org.

utterance: At Turbo dot org.

utterance: Yeah.

utterance: You got it, and what is the name of your business Charlie?

utterance: Turbo Run.

utterance: Turbo Run, all one word?

utterance: All one word.

utterance: OK very good.

utterance: TurboRun.

utterance: TurboRun.

utterance: Yeah.

utterance: That's what I do on all this coffee.

utterance: I guess this conversation is very appropriate then.

utterance: There ya go. And are you the sole business owner?

utterance: I am yeah.

utterance: Wonderful and what is the approximate date you established your business?

utterance: it was December of two thousand twelve.

utterance: Two thousand OK very good. And what were your annual sales gross annual sales for last year?

utterance: About seventy-five thousand.

utterance: OK. Your tax ID number?

utterance: tax ID number is six sorry I just had a brain fart, six two five nine eight six seven five zero zero.

utterance: Great, now comes the part where I may.

utterance: I'm sorry.

utterance: Why I said zero zero, it's seven five zero. I'm sorry. That's six two five nine eight six seven five zero.

utterance: Seven five zero. OK got that. Now comes the part where I'm gonna be asking you about that ZIP code. I need your business street address please, the full address.

utterance: for the business account? Yes. OK great, it's five four two five Samson Street.

utterance: Yes.

utterance: OK.

utterance: And that is Sacramento California. five three two six eight.

utterance: And the Ci~

utterance: OK.

utterance: Great. And the amount that you'd like to apply for on the loan?

utterance: Thirty thousand please?

utterance: And then you will need to put down a down payment. And what down payment would you like to do?

utterance: I'd like to do about ten.

utterance: OK. and all right, that's everything that I need for the loan so I've I'm finalizing that for you. Did you have any other questions for me today?

utterance: Yeah no, I think that's it. That's that's it. We're good.

utterance: OK. Very good well thank you so much for calling Intellibank and you have a great day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Yeah, I got a cheque I need to cancel.

utterance: Be glad to assist you with that sir and if I can ask what your name is?

utterance: Bedroom Freeman.

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

utterance: Rays Construction Company.

utterance: OK, and I will get that pulled up for you.

utterance: Thank you very much, cuz hey I got to get some things fellows on the road they they getting the. I'm getting tired leaving them in the office. They got to get on the road.

utterance: well, I certainly understand that sir. You know getting making sure that everybody is productive is always a good thing.

utterance: Yes sir yes sir, time is money. My money.

utterance: Yes sir indeed, yes sir indeed and we certainly wanna make sure that we make sure that we don't waste your time here today as well so if I could just ask for account security purposes to verify your account because we do take account security here seriously. what is your date of birth, Mr. Freeman?

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

utterance: OK. And what is the address for your business there, Mr. Freeman? there Rays Construction.

utterance: Oh my address is one twenty-one Oak Wood Avenue Avondale Estates Georgia three zero zero two.

utterance: OK, terrific terrific and what is the account number for your account, sir?

utterance: Hold on let me go so I can get that for you I don't have it in front of me, will get it for you.

utterance: All right.

utterance: OK, I'm back Jerry that that number is nine eight four six five nine.

utterance: OK, that's nine eight four six five nine.

utterance: That's correct.

utterance: Terrific and what is the. Again for security purposes. what is the pin number for your business account with us?

utterance: I don't have that right now Jerry, I don't know what happened to it. Had it written down so I got a lot of numbers in my head but can you process this for just going run the account?

utterance: a very good question there Mr. Freeman unfortunately without the pin number, I'm not actually able to verify your account and as I mentioned earlier account security is very important to us and it's also for your benefit for your business that we protect your funds. So we would need the pin number in order to verify your account and unfortunately will not be able to on the call here process the cancel cheque.

utterance: O, I tell you what there's a branch about about fifteen miles from from our location. they open by nine o'clock in the I barely don't come here with my drive with my ID and will I be able to process this thing with my ID and get a new account number a new pin number whatever it takes but I I'll just make a personal appearance.

utterance: Again Mr. Freeman, I certainly do understand your frustration and concern and here's an option for you and it's it's certainly regrettable that I was unable to process that but again is for your account protection but an alternative option for you in case you may not know and if you need to get this done today instead of waiting until tomorrow to go by the branch. Are you aware at all of our online banking there, Mr. Freeman?

utterance: No, explain to me how I can do it without having a pin number with online banking.

utterance: Well, if you go online all you have to do is a very good question there, Mr. Freeman. Again I know time is money as you mentioned earlier.

utterance: Yeah

utterance: My money.

utterance: Exactly and so because time is money and you may not you know, wanna necessarily have time to go by the branch tomorrow you could actually still go online today. And as long as you do the transaction nine p.m. your time with that being the case you can simply visit our website and let me just ask, do you already have online banking with us or no?

utterance: Yes, I do have online bank I never used it cuz I just never had really it though. Had someone else doing it for me but since I'm out front right now had to get rid of the employee, the one doing it cuz he's taking things. So I'll go ahead and do it I I'll go online myself and do it take care.

utterance: OK well, terrific all you need really is just to visit our website just know what your. Let me just ask, do you know what your username and password is for your account?

utterance: Yeah. my username.

utterance: OK terrific, yes. No no you don't have to tell me that now Mr. Freeman, but as long as you know it.

utterance: Yeah.

utterance: then you simply go visit our website and enter that online and from right there online at our website, what you're able to do is access your account you can pull up your account information, change your phone number, address see what your account balance is and by the way you can also cancel the cheque right there online even without the pin number because it won't ask for your pin number in this sense your username and password will act as your account verification. Does that make sense?

utterance: Oh that's that's good. That make a whole lot of sense. Thank you so much that that bring me down a notch.

utterance: Well again I certainly regret that I personally was unable to process that request here for you today because when you call the helpline we have to have the pin number but if you go online all you have to do is have your username and password and you can request of the cheque cancellation right there online.

utterance: Oh that's good. That's good. you you you couldn't do one but you did the other. Thank you very much.

utterance: Well, again Mr. Freeman is there anything else that I can help you with and again regret that I was unable to personally handle that today.

utterance: No, I think that will do it for now I'm going online.

utterance: Terrific and of course if you have any questions about online simply give us a call back but you know again you can get that done today but if you still want to go by the branch tomorrow just so that you're aware the hours of operations are Monday through Friday nine a.m. to four p.m. if you did go by tomorrow but again you can still just right there from the comfort of your office take care of that today online.

utterance: Thank you very much.

utterance: Thank you again, Mr. Freeman, and if that be all. we certainly appreciate you doing business with us.

utterance: Yes, sir, you have a good day.

utterance: You have a great.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hey. This is Kendrick with Intellibank. How can I make your day greater?

utterance: Kendrick. Hi. It's Carlos.

utterance: Good to meet you Carlos.

utterance: my last name is Gonzalez.

utterance: Gonzalez?

utterance: Yeah.

utterance: Mhm.

utterance: And so the reason for my call is because I it's actually I need to update the the payment frequency of my but I just need my I needed the payment frequency of paying my payments to be automatic.

utterance: OK.

utterance: Can you do that? Yeah yeah yeah. I can do that.

utterance: So I I need that and then I also have an investment account with you. wealth management.

utterance: OK.

utterance: Right.

utterance: the account. And so I just it's been a while since I've gotten the last report on it. So I've I'm I'm really looking to get yeah just like the most up to date investment report for the for this year.

utterance: OK. Yeah yeah. We can do that. OK. So well first off can I can you say your your full name again and your date of birth?

utterance: Absolutely. Carlos C A R L O S.

utterance: Mhm.

utterance: last name is Gonzalez with the Z at the end.

utterance: Mhm.

utterance: date of birth is May third nineteen eighty-seven. my phone number is eight one eight four three two seven four one six. My email in case you need to know is is is is is Carlos G G Baby at Yahoo dot com.

utterance: Mhm.

utterance: Oh.

utterance: OK. Well, right now I I just need more your PIN your account number, and and then we should be good to get going.

utterance: Oh.

utterance: OK.

utterance: Can you hang on for just a second?

utterance: Mhm.

utterance: so my pin is seventy-three forty-eight.

utterance: OK. And your account number.

utterance: so my account number is four six five seven four three one eight.

utterance: Mhm.

utterance: OK. All right. So let's start off with the you said you wanted to set up the automatic billing.

utterance: Yes.

utterance: OK. So what we can do with you right here is well well first of all I'm gonna need to have to make sure I have the right the right payment place on file.

utterance: OK.

utterance: So what is the the account number and the routing number of the the bank that you'll be making this payments with?

utterance: I think I have it I think it's like a Chase they have a Chase my Chase Bank account is linked up to it if I'm not. I'm not mistaken.

utterance: Yes. OK.

utterance: The Chase. Yes. And it. That's with the. It ends in nine six seven three?

utterance: Yes.

utterance: OK and the routing number ending with six three six three.

utterance: Yes.

utterance: OK. All right. So I'll make sure that is there and I can make sure that it it's goes into effect on the fifth of every month?

utterance: Yes.

utterance: OK. I have that. And now you said that you wanted to get the Investment report.

utterance: Yup. That's correct.

utterance: OK.

utterance: All right. Let me look in here. OK. Yeah. You still have one available. Let me just push that and would you like that by email or hard copy?

utterance: honestly I I would prefer both.

utterance: OK. Yeah, we can do that. Would you like to add another email onto this accounts to or do you just wanna keep it the one you have?

utterance: No.

utterance: No.

utterance: You could add another one too just in case.

utterance: OK.

utterance: Add at Parkman Killer.

utterance: Parkman killer.

utterance: Yep. Three three.

utterance: Pac-Man Killer three three.

utterance: At AOL dot com.

utterance: At AOL dot com. OK All right. Well that is in there. Now is there anything else that I can do for you today?

utterance: Yeah. just another unrelated unrelated thing could you is there a way that whoa if I ordered checks could you customize it? Could you get like could you put my dog on checks? I got a really cute pug.

utterance: Oh.

utterance: Yeah and and we call him Thug the Pug. Yeah yeah. He's got yeah, he he's got a little gold chain. He's adorable. So maybe you make him like the face on the check.

utterance: Thug the Pug.

utterance: OK. it's.

utterance: Can do that or no?

utterance: There is a a a check creator online and if you go to our website you'll be able to find that and.

utterance: OK.

utterance: I'll I'll look it up on the website then.

utterance: OK.

utterance: OK. Well, I appreciate your help.

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

utterance: That's.

utterance: It.

utterance: OK. Well you have yourself a great one.

utterance: And you have a better one.

utterance: All right. Thank you.


utterance: Hi, thank you for calling Intellibank customer service. My name is Kaleb and I am here to help you with all your banking needs. Before we start, can I get your first name and your last name?

utterance: Jason Tran.

utterance: Fantastic, Jason Tran. J A S O N, T R A N, is that correct?

utterance: Mhm, yeah.

utterance: Great, and can I get your date of birth please?

utterance: February twenty-fourth, nineteen eighty-two.

utterance: Great, and, can I go ahead and get your can I get your PIN as well please?

utterance: Pin number is five six one seven.

utterance: Five six one seven, fantastic. All right, so how can I help you today?

utterance: What did you say your name was?

utterance: Kaleb.

utterance: Kaleb, hi Kaleb. Oh man, I'm just I've been getting a lot of spam, just email spam, and I'm not I'm not very tech savvy. I always prefer I guess talking to someone live, but yeah like, I just been getting all this spam. I've been deleting it but I still get it. I don't know, and I also might wanna like update some information cuz I just moved as well, if I can update my my address, at least see if you guys. Maybe I I might have updated already, you see, I don't know. I got, I get this email from you guys and sometimes I respond and and sometimes it's spam. It looks like spam anyway. Sometimes I just delete it, so I think it's just a whole mess right now. I'm just trying to figure it all out.

utterance: Well, I'm so sorry to hear about your spam issues. I hope we can figure this out for you. From what I can infer from the information that you just told me, is that you're having issues with the technology side of banking and you need some assistance with with understanding the technology or maybe foregoing technology completely. Is that what you are looking for?

utterance: Yeah, I just, I don't I don't need to forgo, you know like, the technology, technology's the future. I wish I was better at it but but but right now, yeah, I dunno, I just, I just been getting all this spam. If if you can just teach me how to like, either delete the spam, or if like there's another way to go about it, or I dunno. I don't expect you to teach me everything on the website like I'm a little kid or something you know but.

utterance: Absolutely, absolutely. Well, if you're having spam problems with your email, you may want to check with the provider that that is that is hosting your email, or alternatively, you can start anew and open up a new email if you haven't already, for to switch everything over there, and we can switch your, switch you to, switch your email to the new email and hopefully, fix fix any problems that you've had with your old email.

utterance: Oh.

utterance: OK, yeah, let's do that. That sounds, that sounds like the answer.

utterance: OK, great, so can I get your old email and your new email, and I'll make that change.

utterance: Great, OK, so my old email is J Tran, J T R A N, eighty-two, at Gmail dot com.

utterance: OK, J Tran eighty-two at Gmail dot com. We will be taking that off your profile, and how about your new email?

utterance: OK, so I guess I'm not very tech savvy or creative so my new email is just my full name spelled out now, so it's just Jason Tran, and I added my full birthday so it's Jason Tran, two two four, one nine eight two, at Gmail dot com.

utterance: Fantastic, so we are adding that new email to your account. Again, sorry about any spam but hopefully this will start you anew and you'll have you'll be getting paperless billing going forward. so, we went ahead and changed that email for you. That's the that's the email associated with your business account. is there any other information you'd like to change on your profile?

utterance: Yeah, can I just get. Get my address? What's, what's the address you guys have?

utterance: The address that we have on file is one zero eight three Orange Grove Avenue.

utterance: OK, cool cool. Yeah, I just you know what's funny? I just do you, was, Kaleb, did you have you seen Wander Vision?

utterance: Yeah, yeah, I I I actually, I thought it was one of Marvel's great new T V shows.

utterance: OK, cool. It's so funny because cuz you know how like the first couple of episodes, it's all like sit-commie, you know, and everyone's confused on what's going on? And maybe this shows how un-tech savvy I am. Those were the episodes that were like my favorite. I didn't even know there was supposed to be like a big twist, you know, and the the latter episodes when they are actually getting to the story. That's when I thought, I didn't, I'm just, I wasn't as big of a fan. Like I said, like all this tech, that they talk about, and like wonders like powers. It was just all very confusing. I don't know, you'd be like yeah.

utterance: No, I'm on board with you. I personally, my favorite episode was like the Malcolm In The Middle one.

utterance: Yeah yeah, yeah, that was a good one. I like yeah, I like all the earlier episodes and oh, sorry, that was kinda stupid but like yeah just to, just to point out how like this, all this tech stuff is, is just kind of foreign to me.

utterance: Yeah.

utterance: Yeah, no, that's fine, that's fine. You have good taste Jason, so I appreciate you bringing that up. But it seems that everything is confirmed on my end. We changed that email. Is there anything else you'd like help with today with Intellibank?

utterance: Mkay.

utterance: No, that's it.

utterance: All right, great. Thank you so much. Please hold on the line for a brief survey after this conversation, but otherwise I hope you have a fantastic day.

utterance: You too.

utterance: Thank you.


utterance: Welcome to Intellibank customer service. My name is Sarah. How can I help you today?

utterance: Yeah, hi Sarah.

utterance: Oh, so crazy. It's only nine a.m., feel like I've already had a full day. Dropped the kids off at school.

utterance: Wife didn't even tell me the kids transferred school. I dropped the kid off at the wrong school.

utterance: I walk him up they call me and they say this kid doesn't go to this school. I said he used to and then the kid didn't tell me either. He's just not talking to me. He's mad I didn't get him some sort of toy for Christmas he wanted and then I had to race across town. Drop him off at the new school. Doesn't make him look good at the new school cuz now he's the late kid and we're the late parents and oh boy boy boy boy boy.

utterance: Anyway now I'm finally getting around to my life. You know what I mean? just wanted to call to today to set up a automatic loan payment with you cuz that'll be one less thing I'll have off my mind.

utterance: Yeah I completely understand how many things we have to juggle in life and the automatic loan payment will definitely handle one thing off of your checklist each month.

utterance: Yeah.

utterance: Mm, can I start with your first and last name?

utterance: Yes. my first and last name it's Drake Daniels.

utterance: Drake Daniels. OK. what is your date of birth, Drake?

utterance: November fifth nineteen eighty.

utterance: November fifth, nineteen eighty.

utterance: Great, what is your PIN associated with your account?

utterance: four four four two.

utterance: Four four four two. That worked. OK what what is the loan account number for the account you'd like to pay off?

utterance: That number is five six four five three nine two seven.

utterance: Five six four five three nine two seven.

utterance: Yeah, I didn't want to pay it off. I just want to set up the automatic loan payment.

utterance: Right right.

utterance: OK so since we're setting up this automatic loan payment. what is a good date that'd you like to pay each month?

utterance: just knock it out on the first if you would please.

utterance: Of course. M'kay so I'll schedule it for the first of each month. What is the account from which you'd like to pay?

utterance: Oh that's the checking. one two one three one zero four four four one.

utterance: One two one three one zero four four four one.

utterance: Correct.

utterance: And what is the routing number for this account?

utterance: That's eight oh seven nine six three fourteen twenty.

utterance: Eight oh seven nine six three fourteen twenty.

utterance: Mhm.

utterance: OK that all checks out. Thank you for providing that information. I have processed your automatic loan payment for the first of each month.

utterance: Great.

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

utterance: Oh boy, Laketown, let me see.

utterance: Oh I'm sorry I just got a phone so so I'm looking at my to do list Interstate Bank. I

utterance: Yeah this is actually Intellibank.

utterance: Gosh, sorry, I just got off the, here I was on the interstate and then Intellibank of course. yeah, you know what. Can I could I get a loan statement real quick too just so I can assess my situation and and and and go from there?

utterance: Yeah definitely. I can definitely send a loan statement just so you know, you get a free copy once every three months of the loan statement and it'll tell you all your due balances. So can I get the account number for the loan statement.

utterance: that would be eight five eight zero four seven.

utterance: Eight five eight zero four seven. Great. Would you prefer this loan statement to be delivered to you via email or snail mail?

utterance: Uh-huh.

utterance: could you send both?

utterance: Yeah, I can definitely send both. what is your mailing address?

utterance: Two two one one North Oak Street Cincinnati, Ohio one four six seven three

utterance: Great that is that matches the mailing address we have on file. I sent one copy there and what is a good email?

utterance: yes, it's Drake the snake at Metropolis Parking dot com.

utterance: Great, I will send a copy to Drake the snake at Metropolis Parking dot com and you should receive it within the next five minutes.

utterance: Wonderful.

utterance: No but that that fulfills those requests. Got it off my to do list. Thank you, thank you so much for your your your assistance.

utterance: Of course. Thank you for being a customer of Intellibank.

utterance: All right, well I'm gonna go get some dinner. Have yourself a great night.

utterance: Have a great dinner.


utterance: Hi. This is Jess Jones at Intellibanking. What can I do for you today?

utterance: Hi Jess. So OK. I got I got something in the mail and I'm interested in the risk program.

utterance: OK. So, it sounds like you'd like to speak with one of our risks specialists?

utterance: Correct.

utterance: OK. I can go ahead and get you set up on that. Can I start by getting your full name please and your date of birth?

utterance: Absolutely. Gino Morales. December twenty-fifth nineteen ninety-three.

utterance: OK and is that Gino spelled G I N O?

utterance: Correct.

utterance: And you said December twenty-fifth?

utterance: Yeah. December twenty-fifth.

utterance: OK. Great. A Christmas birthday.

utterance: Yep.

utterance: I know. It's terrible.

utterance: I'm sorry to hear that. OK Gino. I'm gonna go ahead and pull up your account. Can I get your credit card number please?

utterance: Well

utterance: I have a I have a follow up question if that's OK.

utterance: Of course.

utterance: so with with what I'm looking at on this flyer here it says that this is a limited offer. when is this program ending?

utterance: the offer is ending at the end of the month, but the program is ongoing forever.

utterance: OK. I like that.

utterance: OK. So can I go ahead and get your credit card number so I can pull up your account?

utterance: Absolutely. Give me one second.

utterance: Of course.

utterance: Are you ready?

utterance: Yup.

utterance: OK. five three nine one eight six five one five four five three three zero three eight. Expiration date zero eight twenty-three. three digits on the back is gonna be one nine five. Address associated with this is gonna be or ZIP code associated is gonna be seven eight two one seven.

utterance: that's OK. usually usually all we need is your credit card number.

utterance: And then.

utterance: Oh! OK.

utterance: OK. So, just to clarify, that was five three nine one eight six five one five four five three three zero three eight.

utterance: Correct.

utterance: OK. Great. So, before we can proceed any further I need to ask you a few security questions for your account.

utterance: That's fine.

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

utterance: Yeah. Absolutely. Ready?

utterance: Yes.

utterance: Six four nine two.

utterance: OK. Six four nine two. Great and you might recall that you set up a few security questions when you created your account. I'm gonna go ahead and ask you those now.

utterance: Mhm

utterance: Go ahead.

utterance: OK. What was your the name of your childhood pet?

utterance: Well. gosh. I forgot which one I put. I I've had several. try Oswald. O S W A L D.

utterance: Mhm.

utterance: OK. Yes. That was correct.

utterance: Nice. Nice. Very cool. Do you have do you have any pets?

utterance: No. I don't, but maybe in the future.

utterance: You don't have any pets?

utterance: No. My apartment complex won't allow it.

utterance: Oh, wow! Where and where do you stay?

utterance: I live in L A.

utterance: OK. How's the weather out there?

utterance: it's pretty sunny day.

utterance: Yeah. Y'all get a lot of sun?

utterance: Yes. Mostly. Most of the year.

utterance: must be nice. What what do you do out there?

utterance: just this. I'm a receptionist for Intellibank.

utterance: Well, what do you what do you wanna do with your career or.

utterance: maybe one day I'd like to be a risk specialist.

utterance: Really?

utterance: Mhm.

utterance: Nice!

utterance: thank you. OK so for your final question, what street did you grow up on?

utterance: Yeah. I grew up on Gro Lowe.

utterance: would you mind spelling that for me?

utterance: Yeah. Grow G R O. Lowe. L O W E. E at the end. Gro Lowe Avenue.

utterance: OK. Great. Thank you for verifying that information for me. I was able to pull up your account.

utterance: Mhm.

utterance: Nice.

utterance: Ok. I, also, have our scheduler open so I can go ahead and get you set up with one of our risks specialists. Is there a specific day and time that you were hoping to speak with someone?

utterance: Maybe Friday around like two or three. That should be fine.

utterance: OK. Let me see our availability on Friday. One second. OK. On Friday we do have one at two thirty. Does that work for you?

utterance: yeah. That should that should be that should be great.

utterance: OK. Perfect and were you hoping to do this online or come in in person?

utterance: Let's do let's do in person. In person is fine.

utterance: OK and what is your ZIP code?

utterance: Seven eight two one seven.

utterance: OK. One moment. OK. It looks like you're gonna be going to our Jackson Street branch. So, everything is all set up for you. All you need to do is show up with your ID and let the receptionist know that you have a pre-scheduled appointment.

utterance: OK. Thank you very much.

utterance: Of course. Is there anything else I can help you out with today?

utterance: no. That's that's pretty much it right there.

utterance: OK. Well, I'm so happy to help. You have a lovely day.

utterance: OK. Thank you. You as well.

utterance: Thank you.

utterance: OK. Bye.


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

utterance: Yes I want to cancel a check.

utterance: OK happy to assist you with that ma'am. And let me just pull up your account. If I could ask what's your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards what's the name of the business that has an account on file with us?

utterance: Jones, Beth and bath.

utterance: All right and Ms. Richards I'm gonna ask you a few questions because here at Intellibank we do take your account security very seriously here. And with that being the case of course this is for your protection. are you all right if I I ask you these questions to verify your account?

utterance: Yes, I'm fine with that.

utterance: All right Ms. Richards if I could ask what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And Ms. Richards what is your account number?

utterance: The account number is nine eight four six fifty-nine.

utterance: All right, thank you and one last question Ms. Richards. What is the PIN number for your account?

utterance: One zero one seven.

utterance: OK, one moment here Ms. Richards.

utterance: All right it appears we were able to go ahead and pull up the account and get that verified. Thanks for that Ms. Richards. If I could ask, you mentioned that you wanted to cancel a check. what is the amount of the check and before actually you answer that do you have the check number?

utterance: Yes I have it.

utterance: OK and what's that check number?

utterance: it's eighty-three fifty. no hold on a second that three looked like a eight is eight eight five oh.

utterance: Ok, that's eight eight five zero.

utterance: Yes.

utterance: All right and for check eight eight five zero what's the amount of that particular check?

utterance: Well that check is for three thousand dollars.

utterance: All right and Ms. Richards for check eighty-eight fifty for three thousand dollars oh I see here. It appears that check has been made out to Johnson Ceramics.

utterance: Yep that's it.

utterance: And Ms. Richards what is the reason for your wanting to cancel the check?

utterance: I changed my mind and I'm am going to get something different than what I ordered.

utterance: Oh I see. OK just so that you are aware Ms. Richards here a at Intellibank there is a check cancellation fee of fifty dollars per canceled check and so we would be able to process this for you. However there would be a a cancellation fee. just wanted you to know that. Are you sure you want to continue and proceed?

utterance: Yes I can I'm OK with that. And you know I tell you I went to the store and it was shopping and there was like a food shortage or a lot of stuff wasn't on the shelf. So I guess I may have maybe picked the wrong day.

utterance: Yeah, I mean you great point there Ms. Richards. It's It's been quite something when you look at the shortage of supplies and inventory at a lot of stores around the nation from what they're saying in the news. It's it is quite concerning with the holidays coming out.

utterance: I agree. It it obviously like you just said the holidays but it was just certain things that I wasn't you know getting I looking for but just weren't stocked.

utterance: Very good point Ms. Richards. It's not just the holidays this is just daily day-to-day living having those supplies in-store. So, hopefully they figure out the supply chain issue with the shipping and other matters of getting these supplies to stores because it's going to be quite interesting depending on if they're not able to get this fixed.

utterance: I agree with you on that.

utterance: But I'm confident that they will you know we we generally always You know we we we we as they say they huff and they puff but they can't blow your the house down. You know they make a lot of noise but eventually they'll get this figured out.

utterance: Yeah exactly.

utterance: Well Ms. Richards I was able to go ahead and get that check canceled eighty-eight fifty for three thousand dollars to Johnson ceramics as you've requested. And again of course as mentioned earlier. There is the cancel check fee that is applied. But I was able to get that canceled for you.

utterance: Thank you very much.

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

utterance: No there's nothing else for today.

utterance: All right, well we certainly appreciate you giving us a call. Ms. Richards and I'm glad that we were able to get this sound for you today.

utterance: Thank you so much.

utterance: You have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.