utterance: Hi, thank you for calling Intellabank. My name is Elaine. How can I help you?

utterance: Hi, Elaine. I I wanna check how much is do on my business credit card account.

utterance: Ok, awesome. I'd be happy to assist you with that. What is your first and last name, as well as your date of birth?

utterance: my name is Clem. C L E M.

utterance: mhm.

utterance: Oh. did you say first and last name and date of birth? I'm sorry.

utterance: Yeah.

utterance: Yeah, that's OK.

utterance: Yeah. My name is Clem Michael.

utterance: OK.

utterance: So

utterance: Which is. I mean Clem M Michael. Clem Michael, it's like. But, separate Clem Michael, mhm M I C H E A L. My date of birth is six zero eight, nineteen eighty-six. And my my credit card number is Wait, do you need that yet? Never mind. I I'll just let you do your thing, sorry. Yeah, I need to know how much is due on my my balance, yeah.

utterance: It's OK.

utterance: OK, great. if you could give me your PIN number.

utterance: My pin number is seventy-eight forty-nine.

utterance: Alright. And what is your credit card number?

utterance: Damn. I'm gonna. You know, I have them written down because I do everything online. Like I don't really carry my business cards around with me, I just do them for online purposes. purchases, and so I have them written down and I'm not sure which one is my Intellibank business credit account. Mm So, one of them is forty-one hundred, three eight one seven. Seven seven nine eight two one four six.

utterance: Ok.

utterance: And then the other one is five one oh seven, thirty-nine seventeen thirteen thirty-one twenty-two twenty-one.

utterance: mm and the third one is forty-five sixteen, sorry, it's hard to read. thirty-two, nine seven

utterance: four four three

utterance: OK, so I am in your do you wanna continue or? Oh yeah.

utterance: yeah, my phone cut out. Sorry it's

utterance: Two one eight seven for the last four digits on that one.

utterance: Or maybe I missed a digit.

utterance: Yeah, there is yeah, okay. But anyway. Those are the, those are the three cards that Were any of those matching the accounts?

utterance: well yes, the Intellibank business platinum card I am looking at as well as the Intellabank gold business card as well so.

utterance: Oh!

utterance: Nice, OK. I would like to know the balance of the platinum one, please.

utterance: Yeah.

utterance: Yeah, do you want the total balance, or the .

utterance: No, how much I

utterance: Owe, like how much I'm yeah, how much is due.

utterance: How much you owe for the .

utterance: OK, so that is five hundred fifty dollars.

utterance: Ok, I can swing that. That's not half bad.

utterance: Great.

utterance: Ok, so would you like to pay that now, or?

utterance: No, I'd like to apply for another line of credit.

utterance: Ok.

utterance: Which card are you going to be applying for?

utterance: No, not not a card, like I mean like a line of credit, like a or, or how should I do this? could, should I get another platinum card or should I apply for a term loan, or what do you image I should do for, to open up a credit line here?

utterance: Yeah, I mean you do have a couple of credit cards here already.

utterance: What are you looking for. I mean we do have term loans as well. We have different, we do have other credit cards in addition. We have cash back card reward cards.

utterance: We have loans, bill pay, you know, so.

utterance: okay, I was thinking of of term loan for ten thousand dollars for three months.

utterance: Can you do that?

utterance: Yes, we can do that. .

utterance: You can do

utterance: You can do that little of yeah that's great cause I just need it like for like super quick and then boom pay it back. You know, I don't need, I don't want like to collect interest for thirty-six, forty-six, fifty-six, hundred and six months, for forget that. I just want like three months boom, I pay it back.

utterance: OK, yeah. That's perfect then because our loan has zero percent interest for the first three months.

utterance: Mm.

utterance: And then, after that it's nine point nine percent.

utterance: That is perfect cause I'm gonna buy some bit coin, I'm gonna make some coin, and boom pay that back and so that's all that's all I'm doing.

utterance: Great, that sounds like a plan.

utterance: Excellent.

utterance: Ok, so, can you just run that through on the computer, or do you need to mail me documents, or, how does this work?

utterance: yeah. We can, you know, we could do it in a variety of ways. We can actually send you the information and you could fill it out at home if you want to look at the terms.

utterance: I could get that out in the mail to you today.

utterance: Yes, please. Please mail that today. wait for it.

utterance: OK.

utterance: Terrific, so I will get that out to you today. Is there any other thing I can help you with?

utterance: No, I think that'll that'll just about do it.

utterance: Great.

utterance: well thank you so much for calling Intellabank, have a great evening.

utterance: You too, thanks.

utterance: Ok.


speaker_role: Agent

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

speaker_role: Customer

utterance: Yeah, I need to get a copy of my loan statement.

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

utterance: It's Jill Baker.

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

utterance: You can call me Jill that's fine.

utterance: All right Jill, so you're wanting a copy of your loan statement. Can you tell me what type of loan you have with Intellibank?

utterance: Yeah, it's one of your guys' structured loans.

utterance: OK, so Jill Intellibank does not offer a structured loan. Could you possibly mean one of our secured loans?

utterance: Yeah, I'm sorry. That that's what I meant. It's a secured loan.

utterance: All right, Jill. I just need to get some information from you real quick to confirm this. What is your account number?

utterance: Can you hold on just a second? I gotta look it up. Give me just one second OK. It's three four six zero two nine nine eight.

utterance: OK Jill thank you for that. 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 nineteen eighty and then my social is seven three eight eight three zero nine eight nine.

utterance: All right, Jill. your social is actually not gonna be necessary today but the account does have a four digit pin number on it for security purposes. Could you provide me with that pin number?

utterance: Yeah. Six four seven eight.

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

utterance: I'm in Kansas City, Missouri.

utterance: And can you give me your address as well?

utterance: Yeah, it's five three nine Corton road. And it's seven three two zero ZIP code.

utterance: OK Jill. And can I confirm a quick email for you?

utterance: Yeah, J Baker at Johnson Controls dot com.

utterance: OK Jill. And you're. What periods were you wanting this loan statement for?

utterance: can I get the entire year of twenty twenty?

utterance: Yeah, I can send that to you.

utterance: Just a second here. What I can also do is set up email alerts for you too. And what this will do is it will email you an alert notifying when your monthly statement is available online. And then basically you just go on to your online banking and you can download your statements from there under the loan tab. It's just something. An option for you in the future in case you need that information on another day. You can break it down by year, you can break it down by month. It has a lot of different options for you to be able to break those statements down. But right now I'm gonna generate those twenty twenty statements for you and get those emailed over for you. But I just wanted to let you know that you could also do that online later on the future if you wanted to do this again.

utterance: OK, I'm sorry I didn't realize I could print them online.

utterance: Yeah, it's no big deal we don't mind doing it for you here at Intellibank either. but I just wanted to give you that information just in case for some reasons you wanted that statement and it was after hours. Give me just a moment OK I'm gonna get that processed for you so I can get the statement emailed over. Just one second OK?

utterance: OK so I do have those alerts set up for you and I'm getting this emailed to you. Did you want me to cancel your paper statements while I had you on the phone?

utterance: No, I'm just doing this statement one time so I would like to still get the paper statements.

utterance: OK I won't cancel those for you then I'll just keep them as they are. All right. So I got the email sent with that With that statement in it. I do wanna let you know that it's gonna ask you for a passcode whenever you open the account and the passcode is actually gonna be the last four digits of you account number. So whenever the whenever you click on the statement to open it just make sure you put in the last four digits of your account number. Was there anything else I could do to assist you today?

utterance: yeah, actually. Are you in Missouri?

utterance: Yeah, I am.

utterance: Is it like snowing really really bad there?

utterance: it is. It's actually been snowing most of the day. It's been kind of a cold dreary day so I think about an hour ago I was outside and there was a significant amount of snow on the ground. It didn't seem like it was it was accumulating as much as I thought it was going to. And it seemed like it was light airy snow.

utterance: OK but no ice or anything like that?

utterance: No, it didn't appear that there was any ice on the ground. It just seemed like it was a lot of just feathery type of snow. I do think that it is supposed to kind of drizzle after eight oh clock tonight and I think that there's a chance that that may turn into ice.

utterance: Great. I'm actually I'm actually out of town and I'm flying back. I'm leaving in like an hour to fly back to Missouri So that's where I'll be right about the time that I get in with my flight is whenever you're saying it could possibly ice.

utterance: Oh my goodness, well I'm sorry. I hope that you're I hope that you're safe and I hope that you get home safely. also from the airport to or just your drive home from the airport. I mean I. There's a there's a chance that it couldn't accumulate or that there's a chance that we might not get any ice let's just hope for that OK. Jill, I don't wanna keep you on the phone today. But was there anything else that I could do to help you out today?

utterance: No, I still haven't got that email. So, how long should I wait?

utterance: your email should come almost immediately so if you haven't received it. I mean I sent it just a few seconds ago so. I would say if you can give it maybe five ten minutes. If it doesn't. If you don't receive that email by then please give us a call back and we can look up and try to find out what happened with that. but you should receive it here very shortly, OK?

utterance: OK, thank you.

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


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

utterance: Hey Brent yeah I I just wanted to call because I I know that Intellibank supports the SBA five oh four loan and I'm I'm a small business owner. I've been banking with y'all since twenty fifteen, you know it's been six years so I'd love to find out a little more about the loan because we are I am I am looking at these options right now for my business.

utterance: Absolutely. Well yeah we do offer the SVA five oh four loan and thank you for contacting us to get this started. let's pull up your existing account and to do that I'm just gonna need your first and last name as it appears on the account.

utterance: OK great My first name is Brian, B R I A N, and last name is Anthony, A N T H O N Y.

utterance: All right thank you Mr. Anthony and what is your date of birth?

utterance: Date of birth is July second nineteen eighty-three.

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

utterance: zero zero one two.

utterance: And what is the four digit security PIN?

utterance: it's zero zero nine seven.

utterance: Great well that pulled up your account. I do see here that you're a customer. Thank you very much for that. would you like to begin the loan application process?

utterance: yeah. How long's it gonna take?

utterance: this call should only take about three more minutes and then we'll get you out an answer in seven to ten business days.

utterance: OK great yeah let's do it.

utterance: Great so I can start here with the information we have on file. I just need you to confirm a couple of things.

utterance: OK.

utterance: what is your mailing address?

utterance: Mailing address ooh you know I recently moved but it's either the one one two three Maple drive address or might be the five sixty-five Cherry Boulevard. so five either five sixty-five Cherry Boulevard or the Maple Avenue address. Both in LA.

utterance: Well five sixty-five Cherry is what we have on file for you.

utterance: OK.

utterance: Great OK.

utterance: And that is Los Angeles and California. What the. What is the ZIP?

utterance: ZIP is nine zero zero four two.

utterance: Great and I need your email address that we have on file.

utterance: Email address is B Anthony. B A T H O N Y at Gmail dot com.

utterance: Great and are you still the sole owner of the business?

utterance: Yes.

utterance: And what is your business's name?

utterance: Yeah the business's name is Crystal Filmworks. F I L M W O R K S. Crystal Filmworks LLC.

utterance: All right and when was your business established? I'm gonna need the exact date.

utterance: The exact date. OK it's I think it was August seventeenth twenty fourteen.

utterance: All right and next I'm gonna need you tax ID number.

utterance: Tax ID number? OK it's eight four zero three three three four three.

utterance: And what is the purposes of this loan?

utterance: So the loan is for essentially for maintaining on my workforce. you know I before pandemic I had twenty people on my payroll I ended up whittled whittling down to about twelve or so but it's still really just you know hurting my pocket a little bit and I found out that you guys offered this loan so figured you know given my good record with you guys that I would seek out something to be able to support my workforce.

utterance: And how much are you looking to borrow today?

utterance: How much am I looking to borrow? I'm thinking like you know for the next two quarters or so payroll should be about twenty K yeah so let's say twenty K.

utterance: All right great.

utterance: Well that is all I needed for the application. I'm going to submit that and you'll get an answer in seven to ten business days.

utterance: Sweet.

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

utterance: Yeah.

utterance: Yeah just a quick follow up question business days. Does that include Saturday or?

utterance: That does not include Saturdays or holidays.

utterance: Or holidays. Got it. OK good to know. Well thank you so much I really appreciate it. Brent right you said you name was?

utterance: Yes.

utterance: OK.

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

utterance: You too.

utterance: Bye.


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

utterance: Yes Jerry I got a statement about my SBA loan being due at the end of the month? Can you check that for me?

utterance: Sure I'll be happy to assist you with that. And what I'll do is pull up some of your information here. Ms. first of all what is your first and last name?

utterance: Evelyn Richards.

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

utterance: Jones Bed And Bath.

utterance: OK thank you for that Ms. Richards. And I'm gonna ask a few questions in order to verify your account. We do take your account security very seriously and I of course am going to ask you these questions. Really it's for your and your business's protection. are you all right if I ask you these questions?

utterance: Oh yes.

utterance: All right thank you for that Ms. Richards. What is your date of birth and phone number?

utterance: Eleven eleven eighty-four. Six seven eight two zero two four two five three.

utterance: OK thank you for that and happy birthday in advance.

utterance: Thank you.

utterance: I'm sure you're excited about what is a hopefully another beautiful year for you.

utterance: Oh yeah and it's Veterans Day.

utterance: Yes, it is Veterans Day as well. That is a double exciting day for.

utterance: Oh.

utterance: Yes. I really am looking forward.

utterance: Well Ms. Richards if I could ask, what is your account number?

utterance: Nine eight four six five nine nine.

utterance: All right and Ms. Richards if I could ask What is the PIN number on the account?

utterance: One zero seven one.

utterance: OK thank you for that. And let me see if I can pull up your account information here Ms. Richards.

utterance: OK you know since the time has fall you know did the time to fall back. I just really have got to get used to that. I've just always did like the longer days.

utterance: Yes ma'am the time change has definitely takes some adjusting and getting used to. but it prepares you really for what's soon to be wintertime? And I guess it's better to be inside during the winter than it is outside if you can help it I guess.

utterance: That's a good answer and and everything and you're right it's just getting used to it.

utterance: it definitely takes some getting used to but you know, hopefully you'll get adjusted soon. I'm pretty sure you you you'll you'll get it handled.

utterance: Oh yeah I will. Especially it's just in the beginning.

utterance: Indeed indeed. Well Ms. Richards I was able to pull up your account and verify it and let's see here for your SPA loan. It does appear that the payment is due at the end of the month on the thirtieth of November as noted. and and Ms. Richards were you looking to make a payment on that?

utterance: Yes.

utterance: OK terrific terrific. And how are you looking to make a payment? Were you looking to make a payment by phone or were you looking to mail in a payment or how were you intending to do that?

utterance: Well I want to pay it by mail but I don't have any checks.

utterance: Oh. Well I think we can help you with that Ms. Richards if you don't have any checks. If you want I could go ahead and place an order for new business checks for you and get that sent out to you. Is that something you'd be interested in?

utterance: Oh yes it is.

utterance: All right well terrific terrific. Glad to be of assistance with you on that Ms. Richards. Let me just ask how many checks did you want sent out?

utterance: A hundred and fifty.

utterance: OK. And Ms. Richards what's the shipping address that you want those checks sent to?

utterance: OK can you have the checks sent to three six eight eight Avondale Avenue Smyrna Georgia three zero zero eight zero.

utterance: OK. I'll have that sent to three six eight eight Avondale Avenue Smyrna Georgia three zero zero eight zero.

utterance: Yes please.

utterance: OK and what I'll do is go ahead and enter that into the system Ms. Richards. And I've gone ahead and processed that order for you and those business checks for a hundred and fifty will be sent out here today to the address and you should receive it here within a short period of time. and then you can of course still have those in time to make your payment by November thirtieth.

utterance: That will be great coz I will be working in the the location.

utterance: Fantastic fantastic. Well, Ms. Richards is there anything else I can assist you with?

utterance: No not today. Thank you for all your help.

utterance: Well I certainly do appreciate you giving us a call and I'm glad that we'll be able to be of assistance to you today.

utterance: All right thank you very much.

utterance: thank you you have a good day.

utterance: You too. Bye bye.

utterance: Bye.


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

utterance: Yes so my business is having an event next week and we expect it to generate a lot of business for us. we're having bands and food and just everything. It's going to be a really really big deal for us. But what I'm trying to do is I'm trying to like expand the finances that we have before the event if that makes sense. Like to generate so more finance so that we can have a bigger event. I'm I'm not sure I'm saying that right.

utterance: OK. I can discuss this with you. Who am I speaking with today?

utterance: It's Jill Baker.

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

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

utterance: All right Jill. So when you say expand the funding are you asking about the possibility of obtaining a loan with Intellibank?

utterance: Yes that's right. I I I want to be able to have some collateral not collateral. finance above before we go through the whole process. So basically I want more money to be able to put into this event to kick back the money we'll make if that makes sense.

utterance: OK. I understand what you're saying here Jill. So we have some loan options that may work for you. Would you be willing to hear about those?

utterance: Yes. Yes I would please.

utterance: OK. So I have two that I think might work for you. So the first is a secured loan with Intellibank. And with that loan we need something to be used for collateral but we could take that term out for thirty years. So depending on how much you're wanting to borrow that would kind of depend on the term the amount of a term that you'd need there. So if you're if you're not borrowing a lot of money then you may not need to go out thirty years. Then the other option we have for you is a term loan and that loan is usually designed for lower borrowing amounts so you'd get that borrowing money up front and we'd set a term for repayment on that but you wouldn't be required to to have any collateral for that.

utterance: So what are the interest rates on both of those?

utterance: So for the secured loan the interest rates vary from about nine point nine percent to twenty-four percent and then for the term loan those vary from about seven percent to eighteen percent. And again the rate is based on your credit score the borrowing amount what we find on your financial review and and then that and then the term that you choose.

utterance: OK. So it sounds like probably the term loan then would be best for me I think.

utterance: OK. Do you want to go ahead an apply for that now?

utterance: Yes let's do that.

utterance: All right Jill. So let me get some information from you real quick. What is your account number with Intellibank?

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

utterance: OK. And you said that that was a business checking account?

utterance: Yes that's correct.

utterance: All right. And what is the name of the 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 this account has a four digit pin number on it for security purposes. Could you share that PIN number with me?

utterance: It's six four seven eight.

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

utterance: I'm in Kansas City, Missouri.

utterance: All right. And what is your street address there?

utterance: It's five three nine Hewton Road.

utterance: OK. And that's Kansas City you said?

utterance: Yes that's right.

utterance: And what is the ZIP code?

utterance: Seven three eight two zero.

utterance: All right Jill. And I'm gonna need your social security number.

utterance: So it's seven three eight zero two zero seven eight three.

utterance: OK. And do you have a driver's license?

utterance: I do.

utterance: What is your driver's license number Jill?

utterance: Can you give me just a second? I need to grab my wallet to get that. Hold on hold on one second for me. I'm sorry. OK. So it's M as in Mary nine three seven zero zero two zero zero.

utterance: OK. And what state is that license out of?

utterance: It's in Kansas but I live in Missouri. It's a little confusing. I'm sorry.

utterance: Not a problem, Jill. Jill let me ask you are you the only owner on the business?

utterance: Yes I am. it's an LLC but I'm the only owner listed.

utterance: OK. And when did your business open?

utterance: It opened October ninth of two thousand and fifteen.

utterance: And Jill do you happen to know what your business grosses annually?

utterance: So I think last year on our report it was like five hundred and eighty-nine thousand.

utterance: OK. You said five eighty-nine?

utterance: Yeah. Five hundred and eighty-nine thousand. That's correct.

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

utterance: So my Missouri tax ID is seven three eight eight two nine zero.

utterance: OK. And I just wanna verify real quick so you said the business name is Johnson Controls and that's with an S correct?

utterance: Yes that's right.

utterance: All right. What is the address of the business?

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

utterance: OK. Can I confirm an email address for you Jill?

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

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

utterance: So you can mail all my statements and everything to the to the business. That's fine.

utterance: OK. All right Jill. So you are looking to borrow some money today for an event that you're having. Is that correct?

utterance: Yup. That's right.

utterance: How much are you are you wanting to borrow today?

utterance: So I'd like to borrow like five thousand.

utterance: OK. Let me see if you qualify for that amount. OK let's put that in. OK. And what term are you looking at?

utterance: So if I if I get the full five thousand can I can I get like a year? I probably only need like a year to pay it back. I mean if the event's good I could probably pay it back right after the event but I won't know that for sure.

utterance: Yeah. We can request that. We'll put in there for a year. OK. That's everything that I need from you. Give me just a second here. OK? All right Jill. sorry it just takes just a moment for that to get processed. So we'll get that processed for you here. All right Jill. So we did get you pre-approved for that five thousand dollar loan. so that pre-approval shows you had an eight point eight percent rate what I'm gonna do now is I'm gonna email you a link to our loan portal with with that list of documents with with that email that you'll get you'll get a list of documents that are gonna need to be provided. These are the things that we need to in order to process the loan entirely and give you a a one hundred percent approval. So once you access that email if you can upload those required documents there then a loan agent will reach out to you once they've reviewed everything and to assist you with that the rest of that loan process. I do wanna let you know that a pre-approval is not a guaranteed loan acceptance and that the loan will not be secured until all information is provided and can be verified. Did you have questions regarding that?

utterance: No. I don't think so. I mean so you'll send those to me in an email and then that's be what I get and then once I get that email I I I upload everything and then I'm good to go?

utterance: Yeah. So once you upload all that information to that they request there's some documents that they'll request from you. Once that gets uploaded then that agent will reach back out to you regarding those terms that that that that payment plan and they'll get all that processed for you. I'm sorry not that payment plan that loan. I apologize. And they'll get all that processed for you. OK? Was there anything else I could do for you before before I send that email?

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

utterance: All right Jill. So I'm gonna get that emailed over to you now and somebody should be contacting you soon. You have a great day OK?

utterance: Thank you.


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

utterance: Hi, I need to apply for a real estate loan, please?

utterance: Certainly, I'd be glad to help you with that today. You'd like to do that over the phone, do the application over the phone?

utterance: yes, please.

utterance: Wonderful. Let me get some information so I can do this for you. May I get your first and last name, please?

utterance: First name is Mickella. M I C K E L L A.

utterance: I'm sorry M I C K

utterance: Uh-huh.

utterance: K E L L A.

utterance: OK. Last name again?

utterance: Kim K I M.

utterance: Very good. Thank you so much and what is your home address, please?

utterance: home address is six five seven nine White Road Lane.

utterance: Is.

utterance: Is there a unit number?

utterance: no, it's at Ashland, Oregon one zero zero two six.

utterance: Thank you so much. And Mickella, what is your social security number?

utterance: Six one two four nine three five one one.

utterance: Thank you so much. And what is your driver's license number and the state that it was issued?

utterance: That's Oregon, so that's O R one one five three two.

utterance: Thank you so much. And what is the four digit PIN number that you would like to associate with this application?

utterance: Five five zero one.

utterance: Five five zero one?

utterance: Yes.

utterance: All right thank you. And Mickella, what is the name of your business?

utterance: name of my business is Mickella and Son's Property Management Company.

utterance: Thank you. One moment while I'm just inputting this into the system. Thank you so much. And are you the sole owner of this business?

utterance: I am and I also need to get some information about applying for a term loan as well, please?

utterance: All right. what information did you need?

utterance: just what the interest rate is and the maximum amount I can apply for?

utterance: the maximum amount you can apply for is up to a hundred thousand and the interest rate depending on your credit rating will be between fourteen and a quarter percent to twenty-six percent.

utterance: OK.

utterance: Did you need any more information about that?

utterance: no. That's OK. Thank you.

utterance: All right, no problem. Let me continue with your application here. the year and month, your business was established?

utterance: September twenty fifteen.

utterance: All right. And what what are is the gross annual sales that you made last year?

utterance: Gross annual sales was four hundred thousand.

utterance: OK. And your tax ID number, please?

utterance: Ninety-one twenty-two nine five six one.

utterance: Thank you. And your business address, please?

utterance: My business address is twenty-two thirty-three Rose Place Ashland Oregon one one five nine six.

utterance: All right. Just uploading this into the system. Bear with me one moment.

utterance: sure. Also, I have a question about when you apply for real estate loan. Do you give out information about what the current market is in specifically, Ashland Oregon?

utterance: Oh, the current market?

utterance: Yes. What the current housing market is in Ashland, Oregon or perhaps you can just connect me to a supervisor when in a real estate department when I'm done speaking with you.

utterance: Are you asking about the rate that that houses are selling for?

utterance: Yes.

utterance: I think the best thing I would suggest is to go on a a website like Zillow and look up homes in the area that you'd like and that would give you an idea of what the current value of a home is.

utterance: OK, not.

utterance: However, I could transfer you to somebody in our real estate division if you want further information.

utterance: If you could that would be great. Thank you.

utterance: Absolutely. And lastly, what is the desired credit limit that you are seeking?

utterance: Three hundred thousand.

utterance: Perfect. I have finalized your account. I am sending you a link to your email address so you'll see your application and please remember to send in the photocopy of your driver's license and your tax ID number. There is a link in the email. May I answer any other questions for you today?

utterance: No, thank you.

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


utterance: Hello, my name is Diane. Thank you for calling Intellibank, how may I help you today?

utterance: Hi, Diane. I'm Maurice. And I just like to make a transfer from one of my accounts to the another.

utterance: Hi, Maurice. How are you today?

utterance: I am I don't know how I am, actually. I just got out of therapy and I just learn somethings about myself that I never saw before so.

utterance: Oh, that's too much information, I'm sure you were just expecting a fine or good.

utterance: Nope. That's, that's all right you, you know. you're being honest about your day.

utterance: But.

utterance: so I'm sorry. You said you'd like to go ahead and make a transfer from one account to the other?

utterance: Oh, yes.

utterance: OK.

utterance: I'll be glad to do that. And I'm gonna get some information from you so I can help you. Oh.

utterance: Can you tell me what account that you'd like to transfer from and I look up the I look that information up?

utterance: Yes, yes. I'd like to transfer from account number. I see, could you hold on for a second?

utterance: Oh.

utterance: Sure.

utterance: You know what if you're gonna give me the account number then let me, I was, I was gonna look it up by the type of account. Are we talking a checking account, a savings account?

utterance: I think it's the checking but I'm not sure that's why I just wrote down the numbers.

utterance: OK.

utterance: No problem. Let you know what let me just go ahead and get some information here from you.

utterance: For.

utterance: All that information, it will appear for me on the screen.

utterance: your first name can you spell that for me?

utterance: Yes. It's M A U R I C E.

utterance: And my last name is Johnson, it's J O H N S O N.

utterance: OK. Thank you, Maurice. And great. And then your date of birth please?

utterance: Seven seven eighty-one.

utterance: Seven seven eighty-one. OK. And go ahead and give me the account number?

utterance: I'm sorry. The account number of the where you'd like to transfer from.

utterance: Yes, yes, one second. I'm just looking for where I put it up.

utterance: Mhm.

utterance: OK, I got it. It's eight seven seven one four six.

utterance: Eight seven seven one four six.

utterance: Yes.

utterance: OK.

utterance: That's where I want the deposit to come from.

utterance: OK. I see here that that is your Intellibank smart savings. OK. And the account number that you'd like to transfer to?

utterance: Six three one one eight two.

utterance: Six three, excuse me, six three one one eight two.

utterance: Yes.

utterance: OK.

utterance: All right. I see here that, that's from your Intellibank business prefer checking.

utterance: OK, terrific. And the amount that you would like to transfer?

utterance: The amount. Could you hold on for a second?

utterance: Sure.

utterance: Have to check my messages to see what that amount was cuz I forgot.

utterance: Cuz I have a lot of stuff going on in my brain right now.

utterance: Well yeah, you as you said you just got out of your therapy and your now you're taking care of business, that's a lot going on for you today.

utterance: Yes.

utterance: And you actually sound remarkably like my therapist.

utterance: Oh, I I hope that's a good thing.

utterance: It is, she really soothes me so.

utterance: Don't try anything, OK.

utterance: I, I promise. The only thing I'll do is help you with your transfer today. And hopefully provide you with excellent customer service.

utterance: We are doing great so far.

utterance: Oh, thank you. And then thanks for sharing your day with me, Maurice.

utterance: Well thanks for listening. I'm sorry I'm being such a sucky customer not having my ins~

utterance: Oh no no no.

utterance: My information.

utterance: On hand.

utterance: No no no, not at all. That's you take your time getting what you need and I'll, I'll do my best to take care of it for you.

utterance: OK, I got it. It's six three one one eight two.

utterance: Oh yes, Maurice I have that. You know what, I'm looking for is I'm looking for the amount that you would like to transfer from your savings into your preferred checking.

utterance: Oh.

utterance: Got it.

utterance: Oh, sorry. I thought you said bank account number.

utterance: That's all right.

utterance: Ugh but that's the account that I wanted to go to.

utterance: That the the number.

utterance: Right, right. what, what.

utterance: OK. We're transferring sixty-nine hundred and forty-seven cents.

utterance: OK. Sixty-nine sixty-nine hundred and forty-seven cents.

utterance: Yes.

utterance: OK. And so we're, we would like to transfer that from the savings into the prefer checking?

utterance: I'm sorry. You know let me read the account numbers what you have down.

utterance: We're gonna transfer sixty-nine hundred dollars and forty-seven cents from account number eight seven seven one four six into your prefer checking account number six three one one eight two.

utterance: Yes, that's correct. I prefer checking.

utterance: OK.

utterance: OK, terrific. All right just bare with me for a moment, I'm gonna go ahead and input this information. And get your transfer taken care of.

utterance: OK. Can I ask you a question?

utterance: Sure.

utterance: could you tell me the address you have on file for me right now?

utterance: Of course. if you don't mind, if, I would just need to finish this so I can get out of the screen to go back to your information. Would that be all right?

utterance: Yes.

utterance: OK. One moment please, I'm just processing this.

utterance: OK. Transfer is complete. And just to let you know we are at almost at the close of business day. So if you don't see this available today, it will be available for you first thing tomorrow morning or technically at twelve oh one a.m..

utterance: OK.

utterance: OK. All right. before I leave this here is there anything else I can do regarding your checking or your savings account?

utterance: Yes. If you could just verify that that address you have?

utterance: Right, I will do that. I just needed to make sure we were done here before I left this screen.

utterance: OK. So we're done with the, with transfer your savings and your checking account. All right. And just to access your information again. your date of birth one more time?

utterance: Yes.

utterance: Seven seven eighty-one.

utterance: OK. Great.

utterance: OK, Maurice. The address that I have for you on file is two three one seven four Candlewood Way is that what you, is that correct?

utterance: No. I guess that's why I haven't been getting my mail. It's actually, that's the correct address but it's apartment number nineteen.

utterance: Oh, OK. Let me in, let me put that information in here for you. Apartment number.

utterance: So yes.

utterance: Nineteen.

utterance: Nineteen.

utterance: Yes.

utterance: OK.

utterance: And then can you confirm the the city state and ZIP code as well. I wanna make sure that I have the correct information.

utterance: Yes. The city is Albuquerque. New Mexico.

utterance: Mhm.

utterance: Mhm.

utterance: ZIP is seven seven three four five.

utterance: OK. I have all that it was just the apartment number that was missing. I'm oh I'm glad you brought that to our attention.

utterance: Yeah.

utterance: Wasn't getting my mail so I was wondering what was happening.

utterance: OK. Just to let you know it may your next billing cycle, might still, you might still have a problem receiving it.

utterance: But on the, the next cycle which is will start in the next thirty days. It should go to the correct address, we just completed the billing cycle so it may have already gotten mailed out.

utterance: OK.

utterance: OK. But if you need any information you know you can call us for that.

utterance: OK. So is there any other account information I can check for you or anything else I can do for you?

utterance: no, I think that's it. My black card should been in the mail so.

utterance: Oh. well the black are you talking about your credit card?

utterance: Yes. I mean gold card. I'm sorry.

utterance: OK yes.

utterance: I was gonna say we have the gold card and the silver card. Now Maurice because we didn't have your apartment number. If you're expecting a card it's possible that it may not get to you. Would you like me to put OK, would, OK well. Would you like me to put a hold on that or do you want to just let it go through?

utterance: Yes.

utterance: I'm not sure. Can you say that one more time?

utterance: Well because it might be going to the wrong address. cuz you haven't been receiving it do you want me to cancel that one or do you want me just to let this?

utterance: Oh yeah fifteen.

utterance: No. Your I guess you gonna have to cancel cuz that's, I guess, that's why I never got it. is because the apartment number wasn't right.

utterance: Got it OK.

utterance: I'll I'll.

utterance: I'll take care of that for you right now.

utterance: OK. Is there anything else that I can do for you before I let you go?

utterance: Nope. That was everything.

utterance: All right. Well, Maurice. Thank you so much for calling and have a wonderful day. Thank you for calling Intellibank.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Hey Margery. How are you doing today? I hope your day's going good.

utterance: Well yes ma'am. Thank you so much for asking. I hope yours is going good as well.

utterance: Yes ma'am it sure is. Thank you. I'm the owner out here at Farmer Jacks Roofing and unfortunately we are going to be moving to a new different town so we're also going to be moving banks. So I guess what I'm needing to do is close the accounts that we have with you guys.

utterance: All right ma'am. Well I'd be more than happy to assist you with that. Now do excuse me do you already have your new accounts open?

utterance: yes ma'am actually we do.

utterance: OK great great. The reason I was asking is if you have any residual balance in your accounts we can just go ahead and transfer those funds straight on over to your new accounts if that's what you'd also like to do.

utterance: Oh yeah yeah. That sounds great. Thank you.

utterance: All right ma'am let's go ahead and get this all processed for you. Let me get some information so we can pull up your account. may I have your full name please?

utterance: yeah. This is Alice A L I C E and my last name is Hardy H A R D Y.

utterance: Thank you so much Ms. Hardy. I have your last name spelled H A R D Y. Was that correct?

utterance: Yes ma'am.

utterance: Thank you. And may I also have your date of birth please?

utterance: absolutely it's July the eleventh nineteen ninety-two.

utterance: Thank you. I have July the eleventh nineteen ninety-two. And may I also have your PIN number please?

utterance: ye- oh my gosh. I'm so sorry Margery. It's actually on my computer in the other room. Would you mind being a doll and hanging on for just one second and let me go grab that?

utterance: That's not an issue what so ever Ms. Hardy. Just let me know when you're back.

utterance: OK great. Thank you.

utterance: Yes ma'am.

utterance: OK Margery you still there?

utterance: Yes ma'am I sure am Ms. Hardy. were you able to fi- get that PIN number?

utterance: Yes it's four thirty-five eighty-nine six ninety-six. And sorry about that again.

utterance: Again that's not an issue what so ever ma'am. That was four three five eight nine six nine six?

utterance: Yes ma'am that is correct.

utterance: Thank you. All right let's see was it just one account that you needed to close today or multiple?

utterance: well we actually have a checking and a savings with you and I'd like to go ahead and close both of those if I could.

utterance: Absolutely ma'am. Let's go ahead and start with your checking. May I have that account number please?

utterance: yeah the one with you or the new account number?

utterance: The one with us ma'am.

utterance: OK that is four fifty-two three forty-two si- forty-six eleven.

utterance: Thank you. I have four five two three four two four six one one. Was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you and the reason for closure is you're moving banks correct?

utterance: Yes ma'am.

utterance: Thank you so much. All right ma'am I'm seeing you will have a residual balance of fourteen thousand three hundred sixteen dollars and eighty-six cents. And you would like to go ahead and transfer that into your new account with your new bank correct?

utterance: Yes ma'am.

utterance: Thank you so much. and this will be a checking account. Is that correct?

utterance: Yes ma'am.

utterance: Thank you. May I have the routing number where you would like this residual balance deposited into?

utterance: Absolutely. The routing number for our new bank will be seven oh one five eighty-five four sixty-seven.

utterance: Thank you Ms. Hardy. I have seven zero one five eight five four six seven. Was that correct?

utterance: Yes ma'am.

utterance: Thank you. And may I have that account number please?

utterance: sure. Our new checking account number is zero zero one zero four zero six six five nine.

utterance: Thank you. I have zero zero one zero four zero six six five nine.

utterance: Yes ma'am that is correct.

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

utterance: OK great thanks Margery.

utterance: Yes ma'am. OK Ms. Hardy I do have your account number ending in four six one one closed. And I have the residual balance of fourteen thousand three hundred sixteen dollars and eighty-six cents transferred into your new account number that ended in six six five nine.

utterance: OK great. Thank you. I'm also ready to do the savings whenever you are.

utterance: All right ma'am. I am absolutely ready. May I have that savings account number please?

utterance: Sure this one was our account number zero zero two four nine two ninety-eight oh eight.

utterance: Thank you. I have account number zero zero two four nine two nine eight zero eight.

utterance: Yes ma'am.

utterance: Thank you Ms. Hardy. And I am showing you have a residual balance of sixty-eight thousand three hundred seventy-six dollars and nine cents.

utterance: OK yup that is absolutely what I have as well.

utterance: Thanks well that's wonderful and the routing number for this where you would like this money deposited into would that be the same as the last?

utterance: yes ma'am it's the routing number seven zero one five eighty-five four sixty-seven.

utterance: Thank you. I have routing number seven zero one five eight five four six seven.

utterance: Yes ma'am.

utterance: Thank you. And may I have the account number and this is a savings account as well correct?

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

utterance: Thank you. And may I have that account number, please?

utterance: Oh yeah. Yeah, I'm sorry. That account number is three fifteen six eighty-seven twenty-nine thirty-four.

utterance: Thank you Ms. Hardy. I have account number three one five six eight seven two nine three four.

utterance: Yes ma'am.

utterance: Thank you. Just one moment while I get this processed. OK Ms. Hardy. I have this one processed as well. I do have the account number ending in nine eight zero eight closed. And I have the residual balance of sixty-eight thousand three hundred seventy-six dollars and nine cents transferred into your new account number ending in twenty-nine thirty-four. Was there anything else I could help you with?

utterance: No ma'am that's all. Thank you so much for your help Margery.

utterance: Thank you for calling Intellibank Ms. Hardy. You have a wonderful day.


utterance: Hello and thank you for calling Intellibank. My name is Suzanne and I will be here to assist you today.

utterance: Oh.

utterance: Thank you. I just got a real quick question about get given an exchange rate.

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

utterance: Oh I was trying to get the exchange rate for the Euro.

utterance: OK, not a problem. I just need to get some brief information on you, so I can pull you up in our system. May I have your first and last name please?

utterance: I'm not trying to get my account right now, I just you know, can't you just give me what the exchange rate is?

utterance: Well I actually have to get into the system to do that and the way I do that is by logging in the customer information. Unfortunately I don't just have a an exchange rate screen.

utterance: OK. Yeah, no no problem.

utterance: Don't worry we'll be outta here in no time.

utterance: Right.

utterance: Yeah.

utterance: Joey.

utterance: J O E Y.

utterance: Joey McGinn.

utterance: M C G I N N.

utterance: OK and Joey your four digit pin you created?

utterance: Damn it. OK. You sure you just can't get on there and let me know what the exchange rate is?

utterance: No I it's the customer information is how I login to the system. I'm sorry.

utterance: OK. No.

utterance: No No. It's fine, it's fine.

utterance: OK.

utterance: And Joey if you don't have your PIN number, I can actually ask you a series of security questions to log us us into.

utterance: Oh OK.

utterance: If you can.

utterance: You'd rather do that?

utterance: Sure.

utterance: OK, it'll just be two questions, two out of three questions that you've created What is the name of your childhood pet?

utterance: Sure that sounds. OK.

utterance: All right.

utterance: I had like three. It's.

utterance: Oh I'm sorry, go to your first childhood pet, that's usually what people put in.

utterance: It's one of them Dempsey?

utterance: Is that. Is. Yeah. Is. Dempsey. Let me.

utterance: That one of them?

utterance: Let me type that in.

utterance: I don't. I don't know.

utterance: Yes it is. It's Dempsey. All right, and then the second question is, what is your mother's maiden name?

utterance: OK.

utterance: Listen, you Are you sure you can't just tell me what the exchange ? Freaking hell.

utterance: I I. Unfortunately.

utterance: Can't access that information I have to login to the system.

utterance: Hey, let me. Let me just call my mom.

utterance: OK. you know what? Before you do that there's three questions. Let me try a different one. Not a problem.

utterance: OK let's.

utterance: Thank you.

utterance: Thank you.

utterance: What is the name of the first street you grew up on?

utterance: Is it Loveday? Yeah Loveday, Loveday.

utterance: All right. Let me put that in.

utterance: Perfect.

utterance: All right. Now I'm in the system. now I can start accessing information.

utterance: No I.

utterance: Don't understand why you have to do all that just to get a simple piece of information.

utterance: I I know, it can be frustrating OK, so Joey, what currency rate would we like to look at today?

utterance: OK.

utterance: just just a peso.

utterance: The peso. OK. very good.

utterance: Yeah.

utterance: All right so, pulling that up here, and just so I can let you know today's rate, but if you wanna know any trends or for any.

utterance: I just wanna know today's rate please. Thank you.

utterance: Quarters.

utterance: You got it. OK.

utterance: It's coming in at point three five compared to the American dollar.

utterance: You serious? Point three five?

utterance: Mhm. Yes that's what it's showing today.

utterance: Oh God.

utterance: That's I don't like that.

utterance: It can fluctuate daily. It can fluctuate weekly.

utterance: No that's a huge fluctuation. Can I just look at, what does a Euro do?

utterance: The Euro?

utterance: Yeah.

utterance: All right. As of today's date the Euro's coming in at point six five.

utterance: OK, I like that a lot better than I like a point three.

utterance: Yeah.

utterance: Jeez, I.

utterance: Yeah, I can. I can just see it on here for the last quarter the the peso has really been up and down, up and down.

utterance: No, no, no, no.

utterance: Well, I'd I'd rather go to Mexico but I just don't like the idea of it just keep crashing and crashing and I just lose a bunch of money, you know?

utterance: I understand.

utterance: I don't blame you.

utterance: Yeah. That's insane. Point jeez.

utterance: I don't know what's going on over there for.

utterance: Well the pandemic has affected so many so many currencies, it's gonna be based on their trade, it's gonna. You know, if if tourism is down stock market is down. It's it's all going to have a factor in that.

utterance: Yes.

utterance: OK.

utterance: Right, cool. Well like.

utterance: Did you want me to email you this information to your~

utterance: No. I got it. I got it.

utterance: OK.

utterance: All right so, OK thank you I need to get going.

utterance: All right Joey, thank you for calling Intellibank and have a great day.

utterance: All right.


utterance: Thank you for calling Intellbank. This is Ima Blackhard, my number's six four four four four two. How can I help you today?

utterance: I keep getting these messages in the mail about fixed rate. I just want them to stop. Can you please tell the people to stop sending them to me? I gotta figure out to get these stupid things to stop.

utterance: I can help you with that sir. Well I need to gather some information from you first. Can I have you first and last name?

utterance: my first and last name. Tyrus Mill.

utterance: Thank you, and your address?

utterance: my address is ten Miami Beach Fort Lauderdale my ZIP code three three one seven eight.

utterance: Thank you. Can I have the state?

utterance: I said Florida.

utterance: Thank you, and your date of birth?

utterance: four eleven nineteen eighty-six

utterance: Thank you, and your social security number?

utterance: My social security one moment until I find this paper. So how's your day ma'am?

utterance: It's going well sir, and how's yours?

utterance: Tired, cold.

utterance: Well that can be remedied with a blanket and a hot cocoa if you like.

utterance: Oh I wish I had someone to make that for me.

utterance: Well, your wife should be able to do that. can I get that social?

utterance: I'm still looking for that, one moment. All righty. All righty it's four five five five six four five five my PIN number is one two two.

utterance: OK. One two two.

utterance: Thank you. Can I have your driver's license numbers? And state?

utterance: Texas, one seven four six six eight four. the Ten.

utterance: Just say the number.

utterance: Ten five ninety-five.

utterance: OK, thank you sir but that seems to be two separate issues there. you gave me your driver's license which is Texas one seven four six four eight nine correct? So is that ten five ninety-five your date of establishment?

utterance: Yes.

utterance: OK thank you sir and may I have your email address?

utterance: I don't know what Gmail dot com.

utterance: Great, can I have your business name?

utterance: Johnny Lonnie's Buffet.

utterance: Thank you, are you the sole owner?

utterance: Yeah.

utterance: And I have your gross annual sales please?

utterance: My what?

utterance: Your gross annual sale?

utterance: What is that?

utterance: That's the amount of money you make yearly.

utterance: It's about thirty-four thousand.

utterance: OK, and your tax ID?

utterance: My tax ID hold on. Gotta scroll through my phone. OK seven one four four three three four.

utterance: OK thank you, and your business street address?

utterance: Twenty-three ninety-five St. Peter's Drive, Dallas, zero six one.

utterance: Thank you and would you have, would you like your mail sent to your personal or your business account personal or business address I apologize.

utterance: Does it?

utterance: It matter?

utterance: Well, I need one sir.

utterance: Send it to both.

utterance: OK that's fine. Now what that letter is connection to is your personal documentation that they're asking for for your credit cards that are becoming due. so what we actually need you to do is send in your business license two years of personal tax returns two years of business tax returns and two years of year end financial statements. I apologize, did you understand what I just said because I did not.

utterance: Yes I did.

utterance: OK well let me repeat that for you. You need your business license, two years of personal tax returns, two years of business tax returns and two years of year end financial statements. Now you have several options to get this in. You can email, mail or fax. Which one do you feel is more convenient for you?

utterance: Email.

utterance: Cool, that is correct because usually email gets us the information right away. You can even do it on the weekends and it, there's no slowdown. So, that email address is WWW dot Intelforms at bank dot com.

utterance: OK.

utterance: OK and you can locate that information usually with your tax lawyer or going through your tax paperwork. That'll get you everything you need. Now would you like to learn about online banking?

utterance: yeah.

utterance: OK we, you can sign-up for that and that'll get everything in you need. for any other issue you may need. Now we have other options for you.

utterance: What's that A B six seven one four three two?

utterance: OK you mean the SBA five oh four loan?

utterance: Yeah I guess that's what it's called.

utterance: OK well that's usually a loan just to get you real estate informa- real estate loan so you can get that done easily for your business. But is there anything else I can do for you?

utterance: no I'm good.

utterance: All right thank you Mr. Mills and have a great day.


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

utterance: Hello. My name is Charlene and I was asking, how is the weather over there?

utterance: Oh, the weather is so nice, thank you. It's very warm, very sunny. How's the weather with you?

utterance: Oh, the weather's also great over here. Also warm, also sunny, yeah. We're very I'm very cool of moving moving around.

utterance: Wow.

utterance: That's great. it has been raining in the past couple of days, but it's stopped, so that's a good thing.

utterance: Yeah, that's a great thing. so I I'm my business online and I've got to make a bit a bit of transfer using my account because I can't really remember my PIN, so I want to change to a new PIN number.

utterance: All right, no problem. I'll ask for just a couple of information from you. first, could I have your first and last name.

utterance: OK my name is Charlene Peterson.

utterance: All right. Thank you, Charlene, and can I get your date of birth please.

utterance: OK my date of birthday is on the twenty-ninth of December ninety-nine.

utterance: All right. Thank you so much, and now I'll ask you for your old PIN number, and then you can make up your new PIN number, and then I will ask you for your account number. to pull up your account. But first, can I ask you what your old PIN number is.

utterance: OK my old PIN number was three five four six.

utterance: Thank you, and what would you like your new PIN number to be?

utterance: I would like it to be five seven eight nine.

utterance: All right. So in order to make the change I'll have to pull up your account, so could I have your account number, please?

utterance: that a bit of a hard one because I really can't remember. my account number.

utterance: OK no problem. so, normally account number is required to pull up your account, but I can try using other pieces of information so, do you remember your credit card number?

utterance: yeah, I I think I write it down somewhere. Can you give me a minute to check on it?

utterance: Yes, of course.

utterance: OK here's the credit card number.

utterance: OK.

utterance: oh nine two nine three eight one three two seven five five two two two one.

utterance: All right. Let's see, I'm not pulling up anything. Do you mind repeating it for me?

utterance: OK is it again. Four nine two nine three eight one three two seven five five two two two four.

utterance: Let's see. and the last number was four, correct?

utterance: the last number was four.

utterance: All right. I'm not seeing anything unfortunately. Let's try your phone number. What's your phone number, please?

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

utterance: All right, and to confirm that is five one two nine nine one five five one nine?

utterance: Yes, that's correct.

utterance: All right, well, unfortunately, I can't pull up your account, so I would need your account number. so, in this case, what will need to happen, you will need to go in person to one of our branches and you'll need to bring your ID with you, and they could change your pin over there, because unfortunately, over the phone it's security issues, and so if you don't know your account number I will not be able to access the accounts but if you go in person to a branch, they can look at your ID and then they can verify your identity, and they will go ahead and be able to change that PIN for you.

utterance: Oh, there isn't any other way the phone?

utterance: unfortunately, no, because over the phone there's no way of me verifying your identity other than your account number. so the branch will be the best bet in this case for you to change your PIN number.

utterance: but I can't do any any transfers with within my within my account.

utterance: Unfortunately, in order for us to pull it up we will need the account number.

utterance: Well, then I'll have to come in person, is that what you're saying?

utterance: Correct, yes.

utterance: Oh, OK then.

utterance: Yeah. Is there anything you'll like help with today?

utterance: No, that was it for today.

utterance: All right. Take care. Have a good day then.

utterance: Well, thank you. You too.


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

utterance: Hello. How you doing? This is Jackson Williams, and I'm.

utterance: Hi Mr.

utterance: Williams. How can I help you today?

utterance: Yeah, man, I'm calling once again, man. So, today's just been a great day until I got into the office and you know, people are running around like chickens with their hair cut off so, you know.

utterance: Oh.

utterance: Oh sure.

utterance: Sorry to hear that, sir.

utterance: You know running a business here, you're you're gonna make a lot of money, but you're definitely gonna make a lotta problems run into a lot of problems too, huh?

utterance: Uh-huh.

utterance: Absolutely. It is how it can go. How how can I help you today?

utterance: Yeah.

utterance: so, first and foremost, you know, I'm. My god. I'm trying to I I I'm trying to modify a way of calculating the following certain things within the the the company's acquisition and compensation. So, I need to see what is going in, what is going out, and you know, some thing, man. I I'm getting a little frustrated here trying to get it out. Not necessarily connecting, but I need some type of way where I can see what's going in, what's going out, you know, every quarter end. try to make as much as I I can with what's really going on with the company. So, I'm just trying to find the best solution for that.

utterance: No.

utterance: OK.

utterance: And, you know, people are coming down my neck and and and.

utterance: I .

utterance: You know.

utterance: Just arguing and fussing, and and it's getting out of hand for me. So, I need to see who's doing what and who's not within the company policy of of our resources, so.

utterance: OK, Sir. well, you can certainly check on all the transactions happening on your account on our website. or I can mail you or email you a hard copy of your bank statement.

utterance: Absolutely. I need. Yes, I I need the bank statement. That is exactly what I need.

utterance: Great. now, can I get your name again and your date of birth?

utterance: Yes you yo absolutely can. again, my name is Jackson Williams, and date of birth is zero two twelve nineteen seventy-five.

utterance: Fantastic, and can you confirm for me the account number and your PIN number?

utterance: Yes, the account number is one six seven five four one one three three three, and my date of birth you said date of birth?

utterance: Kind of.

utterance: The the PIN number?

utterance: Oh.

utterance: The PIN number. Yes, PIN number is seventy-six fifteen four.

utterance: Great. So, your current balance on this account is twelve thousand two hundred fifty-two dollars and thirty-eight cents. is there a specific transaction you'd like me to look up?

utterance: Wait. No no no no. That that shouldn't be correct.

utterance: OK.

utterance: That shouldn't be correct. Can you can you refresh that or something. That that. we should have at least one point two.

utterance: One point two?

utterance: Million.

utterance: Million? no, sir, this that's that's not the amount in this particular account. if you wanna see specific transactions you can go onto the website to see what's happening or I can Email you this statement.

utterance: Are you kidding me right now?

utterance: is this real right now? Are you serious?

utterance: I mean, this is the amount that's in your your Platinum checking account.

utterance: There's no way. That.

utterance: That's not the right number. That's not the right number. I I need you to refresh. There has to be something to refresh.

utterance: this is the number that we have on our accounts. Is there another account that maybe that amount is in? After all this is just your checking, so perhaps you have another account elsewhere where that is a.

utterance: Oh, OK I'm sorry about that. I'm looking at my there's there is two accounts here. My bad. My apologies. That's actually correct.

utterance: OK.

utterance: No problem.

utterance: I forgot.

utterance: We moved. I moved. We've. Yeah, never mind.

utterance: Got it.

utterance: Now, would you like a an an email or a hard copy of this bank statement?

utterance: Yes. I will take a hard copy. That'll be great if you could mail that to me, and email to me as well.

utterance: OK can I ask your email and your address?

utterance: Yes, it's William Jumper at Gmail dot com.

utterance: Uh-huh.

utterance: William Jumper at Gmail. OK. Got it, and can I get your address?

utterance: Yes, you can. One moment please.

utterance: Sure.

utterance: All right, you ready?

utterance: Yes, I am.

utterance: All right. It is twelve fifty-five Hurren Way, Portland, Oregon, ninety-seven two zero five.

utterance: OK. Great. So we'll be mailing you a hardcopy of this bank statement and then I'll email it to the email that you got me. is there anything else I can help you with today?

utterance: No, sir, I think that's that's everything. Thank you so much.

utterance: Great. Thank you. Have a good day.


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

utterance: yes. I was wondering what I needed to do to add my secretary to my account.

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

utterance: It's, Jill Baker.

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

utterance: I mean, it doesn't matter. You can call me Jill.

utterance: All right, Jill. OK Jill, so you were wanting your secretary to be able to call regarding your account, is that correct?

utterance: Yes. Yeah basically, I want her to be able to do things on my account.

utterance: OK. Is this a business account or a loan account that we're that we're talking about today?

utterance: It's my business account.

utterance: OK. And what accesses are you wanting your secretary to have for that account?

utterance: So, I want her to be able to call regarding the account and make deposits, withdrawals, I mean basically everything. I I would her to to be able to do everything that on my account, if possible.

utterance: OK. So Jill, what we could do is we could add her as a delegate on the account. That way she can she will have access to the account but she won't actually be able to make any account changes without your authorization. Would you like to do that?

utterance: yeah that's fine, let's do that.

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

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

utterance: All right. Thank you for that, Jill. And what is the name of your business?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

utterance: All right. And it looks like you have a four digit pin number on that account. Could you share that with me as well?

utterance: It's six four seven eight.

utterance: All right. So, I have your account pulled up and I'm going to need some information regarding your secretary now. real quick here. What is your secretary's first and last name?

utterance: It's Sandra Miller Sandra. It's a S A N D R A.

utterance: OK. Sandra Miller. And what is Sandra's date of birth?

utterance: her birthday is, April eighth of nineteen seventy-six.

utterance: OK. Also, do you have a social security number for her, Jill?

utterance: Yeah her social is six three seven zero nine zero two eight zero.

utterance: All right. And the last question real quick, do you have an address that we could add for her? this would be either what she was choosing as her mailing address in in case we need to send any correspondent regarding the account.

utterance: So her address is three two zero Western Place. In Kansas City, Missouri it's seven three eight two nine. Real quick here though, that's not going to change anything on my account if I put her address down?

utterance: OK.

utterance: No. No, no, no, no. It shouldn't. so if you keep, her address as just adding it for for basically her signature purposes on the line, it won't change the actual account address. That'll still be your business address as long as that's the way you want it.

utterance: Yes, that's how I want it. I want it to be the business.

utterance: All right. I will keep it that way Let me get her added to the account for you, give me just a moment.

utterance: OK. While I have you on the phone though, is it possible to apply for one of the SBA five oh four loans? While I have you on the phone, is that possible?

utterance: Yeah, let me have Ms. Miller added to the account here real quick All right. I've got her added. And then you were wanting to apply for one of our SBA five oh four loans, is that correct?

utterance: Yeah, so we're a small business and we're really trying to grow and maybe this loan might be able to help our business administration.

utterance: Yeah, let's let's see what we can do for you, Jill. Give me just a second here OK? So I still have your account up with your account information but I'm going to have to verify some additional information from you What is the city and state you reside in?

utterance: It's Kansas City, Missouri.

utterance: OK, and what is your street address?

utterance: Like my home one? my home one is five three nine Huton Road in Kansas City.

utterance: OK and what is the ZIP code there?

utterance: Seven three eight two zero.

utterance: All right, Jill and what is your social security number?

utterance: my social is seven three eight zero two zero seven eight three.

utterance: Thank you for that and what is your driver's license number, Jill?

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

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

utterance: Do you mean. What do you mean, by state?

utterance: What. Like what state issued that license to you?

utterance: Oh, it's Missouri.

utterance: All right, Jill. And are you the only owner of the business?

utterance: So it's an LLC but I am the only owner on the LLC.

utterance: OK. And when did your business open, Jill?

utterance: It's opened in October. October nineteenth of two thousand twelve.

utterance: All right. And what does your business gross annually? Do you happen to know that information?

utterance: I think annually last year we grossed around five hundred and five eighty-five hundred and eighty-nine thousand, I believe.

utterance: OK. And what is your tax ID number?

utterance: my Missouri tax ID is seven three eight eight two nine zero.

utterance: OK. And I just want to verify, you said the name of the business is Johnson Controls, is that correct?

utterance: Yes, that's right.

utterance: And what is the address of the business?

utterance: It's eight three seven two Hillshire Way in Kansas City, Missouri and it's eight three six seven two.

utterance: OK. And can I confirm an email for you as well?

utterance: Yeah, it's J J as in Jenny Baker at Johnson Controls dot com.

utterance: All right, thank you Jill. Can I also ask why you were seeking this loan?

utterance: So mainly like I said, we just trying to grow our business and maybe build a build a better business administration plan.

utterance: All right. I can understand that. How much are you looking to borrow today?

utterance: I'd like to do two hundred and fifty thousand, if possible.

utterance: OK. And what is your estimated down payment for this loan?

utterance: I could. I could probably do around five percent down.

utterance: All right, Jill. So, that would be. Let's look around twelve thousand five hundred dollars down on that loan amount at two hundred and fifty thousand Give me just a moment, I'm gonna send this through to see if I can get you a pre-approval, OK?

utterance: Thank you.

utterance: OK. All right, Jill. So, I was able to get that pre approval for you what I'm gonna do now, is I'm gonna transfer you over to one of our loan agents so they can get that additional information from you to get that loan started for you. Would that be OK?

utterance: Yes, that's fine. Thank you.

utterance: All right Jill, before I get you transferred though, was there anything else that I could assist you with today?

utterance: No, that's everything. I appreciate it.

utterance: All right, Jill. Well thank you for choosing Intellibank. You have a great day, OK?


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

utterance: Hello, I need a report on my investments and I need it by the conclusion of this call.

utterance: Sure, absolutely Sir. We can email that to you right away. I just need some information OK.

utterance: Yes.

utterance: Thank you sir. Give me one moment while my system do an update, OK.

utterance: OK.

utterance: How are you doing today Sir?

utterance: Very well thank you.

utterance: Excellent, how's the weather?

utterance: The weather is OK.

utterance: Really, you're not getting any of this cold front?

utterance: Well it's rainy.

utterance: rain is no fun, but I'd take rain over this cold weather any day. Alright Sir, can I have you full name please?

utterance: Yes, my name is Alexander Lopez.

utterance: And your date of birth?

utterance: Six six sixty-two.

utterance: That was six six of nineteen sixty-two.

utterance: Yes.

utterance: And you account number please.

utterance: Hold on while I get that.

utterance: Sure not a problem.

utterance: Ok so that's my Intellbank investment account, right?

utterance: Yes Sir. This is Intellibank. and this Go head with that account number whenever you're ready for the investment account.

utterance: Oh sorry, OK it's eight three five seven two nine six three one.

utterance: I'm sorry, so that was eight three five seven two nine six three one?

utterance: Yes.

utterance: Got it. And the pen number associated with the account.

utterance: Six two six two.

utterance: And again six two six two.

utterance: Yes.

utterance: And you said you need that emailed correct Sir.

utterance: Yes, Please.

utterance: One moment please OK.

utterance: Yes.

utterance: And I do see we have an email address on file. Let me just verify that it's still correct OK.

utterance: Yes.

utterance: Is your email address still A L O P E Z at Gmail dot com?

utterance: Yes.

utterance: OK great. I just sent that over. You should have it momentarily.

utterance: Yes, OK let me just keep you on the line till it comes in. I really need it. Like yesterday.

utterance: Oh sure not a problem Sir. You should have it momentarily. I just sent it. So how how's your day going? Other than the rain.

utterance: It's going.

utterance: Very nice. It's going very nice. How about yours?

utterance: Excellent, excellent.

utterance: Good, good. OK I just got it. Thank you.

utterance: Oh well perfect sir. is there anything else I can do for you today Mr. Lopez?

utterance: Well yes, how can I check it my account online?

utterance: Oh well you can go to WWW dot Intellibank dot com and look up our online services. And you can register online and do all kinds of things. You can schedule your appointments with bank specialists. You can print checks, check balances Sound good?

utterance: Yes. Thank you.

utterance: All right, sir.

utterance: When you do go online to register it'll walk you through exactly what you need to do, OK?

utterance: Yes.

utterance: Alright Sir, you have a great day now.

utterance: Thank you.

utterance: Mhm bye bye.


utterance: Hi, this is Tom at Intellibank. How can I help you today?

utterance: Yeah. Hi, Tom Wow! I, I, I, I, I, I was looking at my accounts And seeing my balance, what I have and just trying to move some some things around. Maybe even, kind of increasing my balances if there's a way to do that without my actual income. I don't know. If I need unless I wanna move some money around in some other places, too. So, you know.

utterance: All right, we've got some options for you. How about we start off with your name. And account number.

utterance: Oh yeah, my name is Allen Gregory. Account number eight two one four nine six.

utterance: All right. And also your PIN please.

utterance: fifty-two fifty-two.

utterance: All right, great.

utterance: Oh. That worked?

utterance: It did. Yeah, yeah.

utterance: OK, OK.

utterance: So, you're looking to get a loan increase amount?

utterance: Is that what you suggest? I don't know.

utterance: Well, you said you wanted to move some money around. But you wanted an increase?

utterance: Yeah my balance so yeah, I guess.

utterance: OK.

utterance: And the state of the loan?

utterance: Well it, it, that's really up to you. I'm not sure exactly if you wanted to get wealth management. Would you like to talk to investment specialist?

utterance: Yes, if that's what you suggest. What do you guys offer?

utterance: Well, would you to save money. We have term loans, we have secured loans.

utterance: Oh, OK. Yeah, one of those will work. So let's set me up with the specials. That's, that's fine.

utterance: OK, that'll be great. See what Would tomorrow work?

utterance: Tomorrow. That always reminds me of that musical Annie, man. Have you ever seen that?

utterance: I saw it a long time ago and SNL did the skit recently. You should check it out.

utterance: Oh, cool, cool, cool!

utterance: So, yeah.

utterance: SNL did a skit on the musical Annie what is in two thousand twenty-one?

utterance: Yeah, I was pretty surprised myself.

utterance: Wow!

utterance: in the songs, too.

utterance: I, I kinda had a special connection to that as a child cuz I had red hair and and my aunt's name is Annie. And then actually isn't there like what is Annie's is there Annie's Pretzels or something like that? What is that place place in the shopping malls?

utterance: I don't know. If you're right, yeah. I got that they're really good. Something like that. Anyway.

utterance: Oh, oh, I'm sorry to side-track you with

utterance: No problem. So, we're gonna set you up with an investment specialist. We're gonna make an appointment with investment specialist. So would tomorrow. Sorry I pulled out my trivia again with the Annie reference but.

utterance: OK.

utterance: Mm.

utterance: Would tomorrow work?

utterance: Yes.

utterance: OK, would you like the morning or afternoon appointment?

utterance: So, Yeah, afternoon.

utterance: OK. We've got a few options. we can either do this by phone or online chat or you can come in person to your local branch. Which would you prefer?

utterance: I can do in person or chat.

utterance: OK, would one of those times work best for you? Cuz it it'll take a little bit of time to go over the options.

utterance: In-person or chat. In-person or chat. In-person or chat. Hold on a sec. Hold on, hold on!

utterance: OK.

utterance: Hey, hey, Tom. You still there?

utterance: Yeah.

utterance: Oh, sorry. Yeah. I think I'm gonna have to do the actual chat. I have kind of a doctor's appointment at, at that time. I could double up, but yes, do the chat.

utterance: OK, do you do the online banking? Use your phone for that?

utterance: Yeah, yeah that works.

utterance: OK. So, I gonna set that appointment up. You'll get a, a text reminder a few hours before. And, all you need to do is log in and you'll get a prompt on your screen and we'll get you all set up. So,

utterance: That's what like an interrogation specialist is gonna call me?

utterance: No, no.

utterance: investment. Oh, that's funny. Investment specialist. So we're setting up appointment for you.

utterance: I kinda feel like it's gonna be an interrogation though, Tom. Don't, don't lie to me.

utterance: No, you know, they're gonna ask some questions then they'll set you up for you know if you wanna get in the wealth management program, term loans, secured loans, they'll go over everything. Make it real simple for you.

utterance: Great. I, I look forward to it.

utterance: Any other question?

utterance: That's it.

utterance: All right. Well, you take care and have a good day.

utterance: Thank you. You, too.

utterance: Bye bye.


utterance: Hi this is Robin Forsythe at Intellibanking. How can I help you today?

utterance: Hi Robin I'm looking to do a couple of things today. one I would like to know what the net income from my business is in or was in twenty twenty and I'd also like to pay off my credit card if that's possible to do over the phone.

utterance: Yeah I can go ahead and help you with both of those things today. Can I start by getting your full name and date of birth please?

utterance: Yeah it's Laura Rivers R I V E R S and my birthday is December seventh nineteen eighty-four.

utterance: OK great. OK Laura. I'm gonna go ahead and pull up your account. Can I start by getting the PIN number associated with that account?

utterance: Yeah sure my PIN number is four eight nine two and I feel like you're gonna ask me what the security question is and the answer is Jackson.

utterance: OK thank you for being proactive. OK so like you said I do need to go ahead and ask you a few security questions for the safety of your account. Can I start by getting the last four digits of your social security number?

utterance: Sure five one six one.

utterance: Five one six one OK great and you were ahead of the game. You knew that I was gonna ask you the security question that you set up when you created your account which was what is your mother's maiden name and the answer you wanted to go with was Jackson?

utterance: Yes please.

utterance: OK and that's J A C K S O N?

utterance: Yeah.

utterance: OK yep that checks out so thank you for verifying that information for me Laura. I am able to pull up your account so give me just one moment please.

utterance: OK thank you.

utterance: OK I do have your account in front of me and you wanted to go ahead and check the net income for the year of twenty twenty?

utterance: Yeah please.

utterance: OK give me just one second while I generate that.

utterance: Great thank you.

utterance: You're welcome. OK so it looks like your company's net income was two hundred thousand for twenty twenty.

utterance: Great.

utterance: OK so did you want to check out the net income for any of the other years or are you good to go on that?

utterance: actually if you could email me the other years just so I have a log back to when I first opened the account. my email address on file should be Laura dot Rivers at Gmail dot com.

utterance: OK yeah that's perfect. Let me go ahead and generate that for you and it should be coming to you in an email. Give me just one moment.

utterance: Awesome. Thank you.

utterance: Of course. OK so I did go ahead and send that to your email on file and it should be for the previous five years that you've been with us. And you should expect to get that within the next two hours if not go ahead and check your spam folder cuz sometimes it does get sent there.

utterance: OK awesome.

utterance: And so you said you also wanted to go ahead and pay off your credit card?

utterance: Yeah.

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

utterance: Sure that's three five five four.

utterance: Three five five four. OK great and can I get the account number?

utterance: Yeah two four three five three three five five six seven.

utterance: OK and just to confirm that was two four three five three three five five six seven?

utterance: Yeah.

utterance: OK great. And do you have the routing number that you wanna pay. that. From that account that you wanna pay?

utterance: Yeah it's four four four six eight zero.

utterance: OK and that was four four four zero six eight zero.

utterance: there's no zero in the middle.

utterance: OK so it's just four four four six eight zero?

utterance: Yeah.

utterance: OK sorry about that. OK and what amount did you wanna pay? Did you wanna pay off the whole thing or did you wanna just pay off a little bit?

utterance: how much is the whole balance?

utterance: OK let me check on that. Give me just one second. OK so it looks like the current balance is twenty-five thousand and fifty-eight cents.

utterance: Mm OK I guess I'll only be able to pay ten thousand right now.

utterance: Yeah we can go ahead and do that. OK so I'm putting you down for ten thousand and what date did you want that to come out of your account?

utterance: today as soon as possible.

utterance: Today OK great. I'm putting it down for today. OK so that is all good to go. I did submit that so it should be coming our of your account today by six p.m. and you are gonna receive an email from us shortly just saying that you did make a credit card payment. And it should reflect the ten thousand and it'll tell you the remaining balance. Is there anything else that I can help you out with while I'm still on the line with you?

utterance: no I think that's all for today.

utterance: OK well thank you Laura for being a valued customer. I'm so happy that I could help you out today. So go ahead and have a lovely day. Bye bye.


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

utterance: Hi how is it going?

utterance: Good how are you doing?

utterance: I'm doing OK good.

utterance: Hanging in there?

utterance: Mhm. and yourself?

utterance: Oh good good good good just just hard at work hard at work you know.

utterance: OK that's great. That's good to hear.

utterance: Yeah. What can I help you with though?

utterance: Do you guys So my email address I need to update it I think. Got a new one a brand spanking new email pretty happy with so I want to use that for my banking.

utterance: Oh. yeah you want to update your email address?

utterance: Yeah.

utterance: I can take you to that process.

utterance: Great thank you so much.

utterance: Very swiftly hopefully.

utterance: I got some other stuff I want to do too but that will be the first.

utterance: Great. Can I get your first last name and date of birth?

utterance: Yeah. Kevin Harnold. December twenty fifth nineteen eighty-two.

utterance: Oh. Merry Christmas.

utterance: Thank you.

utterance: I need your PIN number as well four digits?

utterance: three two five one.

utterance: All right. I just want to verify. So the email I currently have on file.

utterance: Yeah.

utterance: Is is snap jack five two nine at A O L dot com. sor-

utterance: Yeah that's correct.

utterance: I'm sorry.

utterance: I know it's OK. And I don't know how to get into that A O L anymore so.

utterance: Yeah.

utterance: I'll give you a new one here.

utterance: Yeah. What's the new one?

utterance: New one is christmas B day parties at Gmail dot com.

utterance: All right. And that's parties like I E S

utterance: Yes correct.

utterance: Got it. All right. Christmas B day parties at Gmail dot com. Sending a verification email up to you right now let you know that's now the email associated with your online account.

utterance: That's great. Thank you.

utterance: OK. Yeah no problem.

utterance: The second thing I wanted to do was apply for a small business loan.

utterance: Wow. You want to do that on the phone right now?

utterance: Yeah. That'll be great.

utterance: You got it. I I admire this this move. so you want me to get the which which we have two different ones. We have the five oh four and the seven A?

utterance: The seven A please I think.

utterance: Seven A one. OK. Let's get you going on that one. S B A seven A loan. So I do need. Same first and last name right?

utterance: Yes of course

utterance: I do need your actual residency address however mailing? Mhm.

utterance: Yes.

utterance: Three four two Levin Lane Loa Angeles nine zero zero three six

utterance: And your social?

utterance: Three two one five eight eight two five.

utterance: Driver's license number?

utterance: California issued. One one zero six eight.

utterance: Did you want the same PIN for this or another one?

utterance: yeah.

utterance: Same PIN please.

utterance: And then do you want for the loan christmas B parties at Gmail dot com as well?

utterance: Yes please.

utterance: OK then. Put that email on file here. What's the name of your business sir?

utterance: birthday in christmas all in one. It's a. For people who are born on Christmas like myself I am opening up like a b- low like a Chuck E Cheese activity thing kinda place where yeah they can have their birthday parties there and also celebrate Christmas. Be kinda wrapping up two there.

utterance: Sounds great.

utterance: Mhm.

utterance: Well I'm all for that. You're the only owner of this business?

utterance: Yes correct.

utterance: What was the date the business was established?

utterance: Well believe it or not on Christmas of twenty nineteen.

utterance: Mhm. Gross annual sales?

utterance: We did about forty K last year. Lot of people turn turns out that have that birthday.

utterance: I believe it.

utterance: Mhm.

utterance: Tax ID number?

utterance: One seven two two five.

utterance: So what's your business address is that the same?

utterance: Same.

utterance: OK. And mailing address too?

utterance: Correct.

utterance: All right. What would you say the purpose of this loan is? I have to put something on file.

utterance: just supplies I need to buy more save the Christ dolls stuff like that.

utterance: OK. OK.

utterance: Kinda do a little thing where Jesus wears yeah the the red suit and all that. The apostles or the the elves and.

utterance: what about.

utterance: What about the loan amount?

utterance: I'm sorry? Oh I'm sorry.

utterance: Yeah.

utterance: The loan amount. f- ten grand please.

utterance: All right.

utterance: I have to get all those things custom made. It's not cheap.

utterance: What about the loan term how long?

utterance: Two years.

utterance: Got it.

utterance: I'll pay it right off.

utterance: What percentage would you like to put down?

utterance: ten percent please.

utterance: I need a funding account number please.

utterance: yes. Seven two eight nine five one.

utterance: And the funding routing number?

utterance: And the what?

utterance: The routing number?

utterance: Oh. Three three eight seven two.

utterance: All right. I've put that through the S B A seven A loan. And you'll receive your approval status within three to five business days via email.

utterance: OK great. Thanks.

utterance: Anything else I can help you with?

utterance: That's it.

utterance: Thank you so much and for choosing Intellinbank.

utterance: Mhm.

utterance: Bye bye.


utterance: Good morning, this is Steven speaking on behalf of Intellibank. How may I help you today?

utterance: Oh. Hi, I need to do something about how my statements are delivered.

utterance: Of course, and just so I can clarify that these are the the statements associated with your checking account or your credit account or or both?

utterance: Both. both. I'm receiving like paper mail for both accounts separately so you know every every month I'm getting like a few different letters in the mail. And it's just not really working out for me for a lot of reasons. One is that I have I have dogs and cats currently in my home and they like to rip up the mail as it's delivered so every time I come home my mail is ripped up and on days I'm getting the paper statements from you there's like extra little mails being ripped up.

utterance: Maybe.

utterance: I'm really sorry to hear that. and we can definitely help solve at least part of that problem for you by by changing your delivery method. so what's what's your first and last name, may I ask?

utterance: My first name is Pia and my last name is Leemo.

utterance: Pia spelled P I A?

utterance: Yeah.

utterance: And Leemo could you spell Lemo for me?

utterance: Could you guess?

utterance: I could try. L I M.

utterance: I'll

utterance: Spell it, I'll spell it. L E E M O.

utterance: OK.

utterance: L E E M O.

utterance: Mhm. options for statement delivery?

utterance: so the options that we have for statement delivery are by physical mail which which would be the address associated with you account or by email. So there's two there's only two options.

utterance: What about your online

utterance: Banking options?

utterance: Well we do have online banking options which most of our customers do enjoy using. do you have an account with us?

utterance: I think I do, but I'm not sure.

utterance: OK, then we can definitely check that out Ms. Leemo. before we proceed, we we do need a few more security, piece-pieces of security information.

utterance: Let me ask you a question.

utterance: Go ahead Ms. Leemo.

utterance: Can I?

utterance: Do you have any pets?

utterance: I do have a cat.

utterance: OK, thank you.

utterance: OK Ms. Leemo. without further adieu, we do need your date of birth, as well as the pin number associated with your account.

utterance: My pin number is eighteen ninety three and my date of birth May fourth nineteen fifty five.

utterance: Nineteen fifty five.

utterance: Oh, I'm sorry. It's not ninety fifty five, it's nineteen seventy-five. I don't I was looking at the time while I told you my date of birth.

utterance: That's OK, Ms. Leemo.

utterance: Thank you. You're a pretty understanding person, aren't you?

utterance: We try, we try. so, if there's anything

utterance: OK.

utterance: That's why I bank.

utterance: With you.

utterance: We appreciate that, Ms. Leemo. OK, so your account has been verified. We do see that you do have an online banking presence. that's just not something that we supposed that you've been using too often.

utterance: OK.

utterance: No.

utterance: I haven't been.

utterance: Just you know, we'll go ahead and process your statement delivery method change. But just for future reference this is also an option that you can toggle on and off. inside your online banking account as well.

utterance: OK.

utterance: So, OK. Without further adieu your current address, could you give me that again please?

utterance: Yeah, it's one one one zero South Shannondoah Street. Los Angeles, California. Nine six four four three.

utterance: OK, that was nine six four four three?

utterance: Yeah.

utterance: Thank you, Ms. Leemo. And I see that you have an email address on file with us. is that the address you would like to receive paperless statements at?

utterance: Mhm.

utterance: OK. Just give me one moment.

utterance: OK, take your time.

utterance: What's your cat's name?

utterance: I'm sorry, Ms. Leemo I didn't quite catch that.

utterance: Your cat. What's?

utterance: Your cat's name?

utterance: My cat's name is Milo.

utterance: Oh. Are we done now?

utterance: Yes, so we just accessed it and now you are signed up for paperless statements.

utterance: Oh, fantastic, that's magnificent. I really appreciate it. Thank you so much.

utterance: So.

utterance: Of course. You have a nice day.

utterance: OK, you too. Say hi to Milo for me.