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

utterance: Yes, I'm a business owner and I'm needing to find the exchange rate for Europe.

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

utterance: It's Jill Baker.

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

utterance: You can just call me Jill. That's fine.

utterance: All right Jill so you were wanting to find the currency exchange for Europe. Is that correct?

utterance: Yes, that's that's what I'm looking for.

utterance: OK, so Europe uses Euros which. What is the secondary currency you were trying to find that exchange rate comparison for?

utterance: So it'd be US dollars. I just need to see what that converts to.

utterance: OK, Jill are you an Intellibank customer?

utterance: I am.

utterance: All right Jill so just real quick here, I'm just gonna get some little information from you. What is your account number?

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

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

utterance: It's Johnson Control.

utterance: All right Jill and your date of birth, please?

utterance: That's March second of nineteen eighty.

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

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

utterance: OK.

utterance: OK, and the source currency you're trading from is Euros. That's correct?

utterance: Yes, that's right.

utterance: And your destination currency will be US dollars. Is that correct?

utterance: Yes, that's right I'm wanting to see the difference.

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

utterance: It's twelve thousand eight hundred and fifty US dollars.

utterance: All right so you said twelve thousand eight hundred and fifty dollars.

utterance: Let me get that exchange rate for you. Gimme just a moment, OK?

utterance: OK, does Intellibank have a currency trade option on their online banking like can I change a currency when sending money?

utterance: unfortunately, Jill Intellibank doesn't have that capability as of right now and we do not have the option for a currency exchange through our online banking but what I can do is I could email you some links to sites that we use to research the currency exchange rate and that that might have some resources for you when it comes to converting those funds. Do you think that that would be helpful?

utterance: yeah that would be helpful. Is it a public site or is it something that I have to pay for?

utterance: So no there are several public sites to check those exchange rates and I can email you a few options. Can you confirm your email address for me Jill?

utterance: Yeah so my email address is J as in Jill Baker at Johnson Controls dot com. So it's J Baker one word at Johnson Controls dot com.

utterance: All right Jill. I'm gonna email that over to you here real quick and let me get this exchange rate for you. So Jill I do have that exchange rate and for the US amount of twelve thousand eight hundred fifty dollars the currency would be eleven thousand one hundred and fourteen ninety-three in Euros.

utterance: OK, so eleven thousand one one four ninety-three in Euros. OK, I've got written down. OK, and you said you'd email me that exchange rate over. anytime I need to call though am I able to call and do this like I did today?

utterance: Yeah, so obviously, anyone with our financial department can run that information for you and try to find that if you need the exchange on it. that's not a big deal. The website that I provided you too, it's pretty simple. you just input that information in there and then it and it kicks you back the number that you need so that's that's another option for you too. Let me see if I can Yeah, so if at any time you needed to do some kind of a transfer or any thing or pay anything using a different currency of money then you'd have to call us back to do that but most everything else you can either look it up through that currency exchange rate website that I provide you provided you in that email or again you can call us and we can search that for you too.

utterance: OK, OK so there's one more question that I have. can you tell me one more thing here. I know that we're doing the currency exchange rate for USD to Euros but are you able to tell me the exchange rate for another another currency like another country's currency and Euros? Does that make sense? I'm not sure I'm saying that correctly.

utterance: Yeah so are you asking like if I could just for example if I could you know do the currency exchange for pesos to euros?

utterance: Yes, that's basically what I'm saying. So can you tell me essentially what a hundred and twelve dollars for yen is in euros. Does that make sense?

utterance: Yeah, so you're wanting to basically know the currency for yen for a hundred and twelve dollars in yen and compared to what that would be in euros? I I understand what you're saying here. Gimme just a moment, OK? OK, so it looks like it would be thirty-six dollar thirty-six dollars and eleven cents in euros the comparison from yen is.

utterance: OK, I was actually just curious. It was just a test thing. I didn't really need to know what that was. I'm sorry.

utterance: No, it's not a big deal. yeah we so anytime on that currency exchange and on that website too that I provided you, you can actually go through the website too and you can choose any denomination of money in order or denomination of money there to to determine that exchange rate so I mean you can use anything as long as it's a money that's used somewhere nationally then you can determine what the exchange rate is between that and that other and that other country.

utterance: OK, that's really interesting. I appreciate it. I'm sorry to bother you today.

utterance: No, it's no problem at all. Was there anything else that I could do to help you today?

utterance: No that's everything. I appreciate it. Thank you so much.

utterance: No problem. Thank you for choosing Intellibank. You have a good day.


speaker_role: Agent

utterance: Hi, this is Ramona Perez at Intellibank, what can I do for you today?

speaker_role: Customer

utterance: Hey Ramona, sorry I'm calling you on my lunch break. So I'm just trying to get some things done.

utterance: That's OK, I understand.

utterance: Mhm. So I want to know today if I could set up some auto billing over there and then I got some assets I'm trying to address. So I wanted to get my ratio.

utterance: OK, yeah I can go ahead and help you out with both of those things today.

utterance: OK great.

utterance: OK, can I start by getting your full name and your date of birth please?

utterance: Yeah, it's Tim, Tim Gunther.

utterance: OK.

utterance: Date of birth, that's April seventeenth nineteen ninety-seven.

utterance: OK, April seventeenth nineteen ninety-seven.

utterance: Mhm.

utterance: OK Tim, I am gonna go ahead and pull up your account. Can I start by getting your account number please?

utterance: Yeah account number, four eight two one nine six.

utterance: OK and that was, four eight two one nine six?

utterance: Yes.

utterance: OK great. So before we can proceed any further Tim, I do need to go ahead and get some security information for you, just for the safety of your account.

utterance: All right, I'm ready to go.

utterance: OK, can I start by getting your pin number please?

utterance: E seven seven two five.

utterance: Seven seven two five?

utterance: Oh and

utterance: That's my sorry my, my socials six oh nine three two five three and then I

utterance: OK we, we actually don't need that information at the time but thank you for going ahead and being proactive and being helpful.

utterance: Well that's all right, guess my brains not working right until I get this food in me.

utterance: That's OK, I completely understand, I'm the same way.

utterance: Yes . Don't judge me, you promise?

utterance: Mhm.

utterance: OK cool, cool. This safe? Dropped my phone to it. All right, I didn't have any bread. I didn't have any bread so I put the sandwich on a hamburger bun.

utterance: Oh wow, that's OK I've definitely done that before. I've even gone so far as to do a a hot dog bun sometimes.

utterance: Wow, I mean that look, I ain't ready to admit to that but usually only, only, only breaded kind of things I have at home are tortillas but those are corn, cuz those don't even count right? Only flour would count I would think.

utterance: Right, right I think so.

utterance: Mhm.

utterance: OK Tim so, I do need to go ahead and ask you the security questions that you setup when you created your account.

utterance: Yeah, yeah I'm sorry. Go, go right ahead.

utterance: OK, what high school did you go to?

utterance: Pullman, P U L L M A N.

utterance: Pullman, OK and what is your mothers maiden name?

utterance: Battle, B A T T L E.

utterance: B A T T L E. OK great, thanks Tim for verifying that information for me. I am able to pull up your account so give me just one moment to do that please. OK, OK so it looks like we are experiencing a little bit of a delay in the system. We're having an extremely high call volume right now so I do apologize for this but I am going to have you wait just one moment, it's still loading.

utterance: Oh do your thing.

utterance: It's OK, gives me the chance to eat my fake sandwich. I mean fake meaning it's not you know, it's not. Is it a hamburger or a sandwich, I don't know.

utterance: OK so it's still not pulling up so I'm gonna go ahead and refresh the page and hopefully that will do it. OK, so I am in your account right now and you wanted me to go ahead and generate. So you wanted to go ahead and enroll in automatic billing?

utterance: Please.

utterance: OK, let me go ahead and do that and that's for your account number ending in two zero five four. Correct?

utterance: Yes, yes, yes.

utterance: OK, so I am going ahead and turning on automatic billing for you and did you want to have that happen the money to be pulled on the first of every month or the fifteenth?

utterance: The fifteenth.

utterance: The fifteenth, OK. I did go ahead and mark that in the system. So you are in you are enrolled in automatic payments now. Is there anything else that I can help you out with?

utterance: No, that's oh yeah yeah yeah, there's one more thing. I need to get an investment report.

utterance: Yes. OK I can go ahead and help you out with that today. Give me just one second.

utterance: OK.

utterance: OK. OK so I can go ahead and generate that for you. Did you want that to go to Did, did you. Hold on one second. Having a delay in the system again.

utterance: All right. Yeah, just need an investment report, right?

utterance: OK, yes. Let me pull that up for you right now. Did you want that to go to the email on file?

utterance: Yeah, that's fine.

utterance: OK, I'm gonna go ahead and send that now, be on the lookout for that. Is there anything else I can help you out with?

utterance: That'll do it.

utterance: OK thank you, you have a good day.

utterance: All right. Bye bye.


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

utterance: Hello Estra. How are you today?

utterance: I'm doing really well. How about yourself?

utterance: Mm.

utterance: Oh no! Not too good?

utterance: It's one of those days. One of those days.

utterance: Oh I'm I'm

utterance: So sorry. I hate those days.

utterance: Yeah.

utterance: Yeah me too.

utterance: I'm sorry.

utterance: well what can you do you know. It's it's part of life. You gotta take the good with the bad and Yeah. Sometimes it's more bad than good and sometimes it's more good than bad but in the end it all evens out. Or at least that's what I'm told.

utterance: Yeah.

utterance: Mhm.

utterance: Yeah.

utterance: Yeah. Well I'm sorry I hope your day gets better. Maybe I can help you with why whatever you are calling for. Maybe I can brighten your day. I would love to. Well how can I help you?

utterance: actually I wanted to find out the value of some stocks.

utterance: OK. All right awesome. Well let's start with your full name and date of birth.

utterance: OK my name is Elvis.

utterance: Really!

utterance: Yes like like yeah.

utterance: Wow! Your name is

utterance: Elvis? That's so cool!

utterance: So you know who my parents loved.

utterance: Wow. I don't think I've ever met I've never met anyone named Elvis. That's amazing. That's got to be an a unique name though right? Like I've never met anyone named Elvis. Have you? Right? I mean what That's wow

utterance: No. No.

utterance: Me and the King it's that s~

utterance: did they name you? Like is your real name Aaron? Cuz Elvis, Aaron.

utterance: It is.

utterance: Oh my! You're kidding.

utterance: Yeah.

utterance: And my last name is not Presley.

utterance: What's your last name?

utterance: Norman. Elvis Aaron Norman.

utterance: OK.

utterance: Wow!

utterance: Yeah.

utterance: Well That's really cool though seriously.

utterance: It is, you know.

utterance: It it's

utterance: Do you have like. Are you musical? If I may ask?

utterance: I'm

utterance: Not. I'm not. I mean I'm a music fan but I'm I'm not like yeah.

utterance: You're not.

utterance: OK.

utterance: So you're not like a singer or a musician or anything.

utterance: Yeah.

utterance: No. No. I w~

utterance: I wish I.

utterance: Do you

utterance: Actually like Elvis? Or like what do you like his. Like what do you think?

utterance: You you know what?

utterance: I I do and how how could you not? I mean. He's the king for a reason and he truly does have.

utterance: Mhm.

utterance: Oh my God.

utterance: I know.

utterance: Honestly yeah.

utterance: A beautiful voice.

utterance: There's something so captivating about Elvis.

utterance: Mhm.

utterance: I mean. He was definitely before my time but. I still love. Like my mommy used to play me Viva Las Vegas and I love that movie. I think it's a great movie. Do you look like him? Do you like?

utterance: Mm.

utterance: I wi~

utterance: I wish I did. I wish I did. I'll tell you what though if if you have never seen it. If you want to see it. A a really amazing just rock and roll show.

utterance: Mhm.

utterance: The Elvis Presley sixty-eight comeback special.

utterance: Really.

utterance: Is amazing.

utterance: Is that when he has like the leather outfit on?

utterance: He's got the leather outfit and it's just him and his band acoustically on a little tiny stage and.

utterance: Mhm.

utterance: Yeah.

utterance: People surround the stage and they just.

utterance: Yeah.

utterance: Yeah I've seen that. My mom has showed that to me. I've seen it. Like that's amazing. This you know I I mean obviously honestly like I don't care who you are. I don't care how old you are. he's captivating. There's something about Elvis that is just magical.

utterance: Yeah.

utterance: Yes.

utterance: Absolutely.

utterance: So but but anyway I so so we're we're getting way off the beaten track here. I could talk about Elvis all day but I do have a busy day. So

utterance: So yeah.

utterance: I'm so sorry. OK.

utterance: Yeah yeah. I'm so I'm so sorry.

utterance: OK what is

utterance: Your PIN number?

utterance: the PIN number is one five seven four.

utterance: OK. And what is your address?

utterance: I mean honestly like what what's. I I just wanted to get the value of a couple stocks .

utterance: Right.

utterance: No I understand. I just. I'm so sorry. Mr. Norman. I'm not trying to. I'm not trying to like you know take up too much of your time. It's just like the company policy that I need to ask these questions. I'm so sorry.

utterance: It's it's it's kind of stupid I I mean. I I love Intellibank but this is this is like. And and I I appreciate the conversation of of Elvis and all and. But this could we just get to the to the things? What what do you need to know? Like addresses and?

utterance: Yeah.

utterance: Mhm.

utterance: OK.

utterance: OK. Yeah, you know what, I'll

utterance: person and and and this is just

utterance: Stupid now.

utterance: Now come on!

utterance: I'm sorry Mr. Norman. I agree with you. It's like too many questions. You're right. You're busy. Right.

utterance: It's not like I'm I'm I'm not asking you

utterance: To do stuff in my account or anything.

utterance: Right.

utterance: Right. Right. I I I completely understand like honestly.

utterance: I mean come on.

utterance: I mean

utterance: Do I need to talk to a manager?

utterance: No, I mean if you'd like to I can. But honestly, I think that you're right and I'm so sorry. I think it's way too many questions as well. And I am going to bring this up In our next meeting. I'm just going up bypass the questions for you because I know that you're busy and I really appreciate you calling. So, let's just get. Do you have the stock symbol?

utterance: I do.

utterance: OK, let's go on to that.

utterance: Thanks. Thank you so much.

utterance: Let's do it.

utterance: No problem.

utterance: H D. It's Home Depot.

utterance: OK. I need to know just how much the shares are.

utterance: Yeah, I have another one as well.

utterance: OK, so for the Home Depot shares they're two hundred dollars a share.

utterance: OK.

utterance: OK. And you have something else yeah?

utterance: OK. And the other one is.

utterance: Netflix which is N F L X.

utterance: Mhm.

utterance: OK, for Netflix they're thirteen hundred dollars a share.

utterance: Wow!

utterance: Yeah right?

utterance: Wow wow wow!

utterance: Crazy

utterance: You know what? Like I want to thank you. Thank you for, you know, as we said ups and downs in life. You you took me on a roller coaster ride, you let my emotions probably boil over the top for something stupid. Thank you for bringing me back in check. Thank you for loving Elvis and have a great day.

utterance: Oh my goodness thank you so much. I hope you have a great day and a great weekend ahead. Thanks for calling.

utterance: You too.

utterance: Bye bye.


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

utterance: Oh, hello. My name is Sharleen. And I would like to hire a new supplier for my business. but I didn't know how that would affect my business. So, could you help with that?

utterance: Oh, absolutely. Would you like to schedule an appointment with our risk specialist then so they could figure that out for you?

utterance: Oh, yes. I'd love that.

utterance: Absolutely. I can go ahead and help you set that up. First, I'm going to ask you some questions. So, first can I have your full name and date of birth please?

utterance: OK. My full name is Sharleen Anderson, and my date of birth is on the twenty-ninth of December nineteen ninety.

utterance: All right. Thanks. And can you spell your first name for me please?

utterance: That will be S H A R L double E N.

utterance: All right. Thank you so much for that. And can I get your pin number, please?

utterance: that will be two four one three.

utterance: Thank you. And also could I get your account number please?

utterance: Oh, give me a minute.

utterance: Yes. Absolutely. No problem.

utterance: OK. That will be three five four six six eight seven nine two four.

utterance: All right. Thank you. And just to confirm, that is three five four six six eight seven nine two four.

utterance: Yeah, that is correct.

utterance: All right. Thank you for that. And what day would work best for you for the appointment?

utterance: That will be on a Monday.

utterance: All right. And would you like an in-person appointment or online?

utterance: I'd prefer an in-person appointment?

utterance: No problem. And in that case, could I get your ZIP code please?

utterance: OK. That will be seven five zero four one.

utterance: All right. Thank you. And could you remind me what day you said again?

utterance: It was on a Monday.

utterance: All right.

utterance: All right. So I do see a Monday available for next week. what time would work for you?

utterance: In the afternoon.

utterance: All right. So I see a couple slots available. There is one for one p.m., one for two p.m., and one for four p.m.. Which would work best for you?

utterance: the one for four p.m..

utterance: All right. Let me put that down for you.

utterance: All right. So I have gone ahead and set you up for four p.m. for next Monday at one of our branches. And you should receive an email shortly detailing the details of your appointment and also the address of the branch where the appointment will take place.

utterance: Oh, OK. Thank you for that. And I was wondering if if in any case something comes up on my end could I reschedule the meeting?

utterance: absolutely. You could reschedule the appointment. However, we do ask that you call us or email us at least two days before the appointment.

utterance: Well, OK. Thank you for that. And will I be charged for this appointment?

utterance: no. this appointment will have no charge because this will be your initial consultation However, if you would like to schedule appointments after after the first one, then you will be charged fifty dollars each time.

utterance: Oh. OK. Thank you for the clarity.

utterance: Yes. no problem. And once again you'll find all the details of the appointment in your email. And you should receive it in about five minutes. However, if you do not receive it within an hour I would call us back and check on that.

utterance: All right. I'll be waiting on that.

utterance: All right. All right, but if it doesn't happen, I'll just like call you right back.

utterance: Yes, absolutely. And did you have any other questions for me?

utterance: No. I think that will be it for now.

utterance: All right. Have a great day.

utterance: Thank you.


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

utterance: Hey, Robert. I my name is Dan, and I'm calling today because I I have a small business with you guys and I. So, you know, since the pandemic started my apple orchard has been not doing so well and, you know, I had to sort of like lay off a few of the the farmers that are working on the orchard, and I you know. But even then, like it's it's been kinda hard to support the labor force so, yeah, I was wondering what I should do about that. I mean I if I don't know if it's a loan process or or something like that. I don't know You know.

utterance: Well, I'm very, very sorry to hear about that. We can. We do offer an SBA five oh four loan, that would be the loan that I would recommend, that is probably gonna be your best bet. It's a a loan that's designed specifically for the type of small business owners that are in the situation that you're in right now. is that something that you would like to apply for today?

utterance: Yeah. Yeah. I'm so glad you pointed me to the right thing. That's that's kind of exactly what I I think I think that's what I need, you know.

utterance: And do you already have an account with us here at Intellibank?

utterance: I do. That's exactly why I'm calling. I Would you like my info?

utterance: yes please. Let's start by getting your full name as it appears on your account. First and last.

utterance: OK. Fantastic. so my full name is Daniel, D A N I E L, and last name is Ferguson, F E R G U S O N.

utterance: Thank you very much, Mr. Ferguson. How are you doing today?

utterance: I'm doing pretty well. I, you know, it's. Can't complain. It's it's a little little chilly out here in the in the country, but, you know. cell phone signal's good, internet's good, it's kinda all you need.

utterance: All right. So to finish pulling up your current account, I'm gonna also need your date of birth.

utterance: Great. date of birth is January first nineteen eighty-six.

utterance: All right, and I'm going to need the last four of your social security number.

utterance: OK. I think it's zero nine six three. Yeah. Zero nine six three.

utterance: And finally, to access your account, I'm also going to need your full. Your four digit security PIN.

utterance: OK. It's nine nine eight seven.

utterance: All right. I have your account pulled up here. Thank you very much for being an Intellibank customer.

utterance: Of course.

utterance: So to begin the loan process here I am gonna need you to confirm a couple of more things and then ask you a couple of more questions.

utterance: Sweet.

utterance: So I need you to confirm the full address that we have on file for you.

utterance: OK. My full address is five six two one Fillmore Drive. Fillmore spelled with two Ls. And the city is Ventura, California nine two three one two.

utterance: Great. And I'm gonna need your email address.

utterance: My Oh, OK. My email address is Dan's apple. D A N S A P P L E at Gmail dot com, and my phone number, by the way, is five six two one eight zero zero zero six eight. If you needed that.

utterance: not gonna need that, but thank you very much for giving me that info.

utterance: OK.

utterance: are you still the sole owner of this business?

utterance: I am.

utterance: And what is the businesses name?

utterance: the businesses name is Dan's Apple Orchards incorporated. I N C.

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

utterance: January thirteenth twenty. Wait, sorry. Two thousand and eight. Yeah, that's right. Two thousand and eight.

utterance: All right, and I'm gonna need your tax ID number.

utterance: OK. five one two five five zero six nine three.

utterance: And it needs a stated loan purpose. I'm gonna put down here, based on the info you already gave me, payroll. Is that correct?

utterance: That's right.

utterance: All right. And how much were you looking to borrow?

utterance: I'm looking to borrow let's see. I'm Workforce. Thirty thousand for this for this four oh five loan. It's the four oh five loan, right?

utterance: it is the SPA five oh four.

utterance: Five oh four loan, that's right. Sorry. I'm a little dyslexic.

utterance: Oh, no problem. And that's actually the last piece of information I needed from you for that application. You will receive an answer in the mail or by email in seven to ten business days.

utterance: Sweet. Well, thank you so much, I really appreciate it.

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

utterance: That's about it. .

utterance: Thank you for.

utterance: Calling Intellibank. Have a wonderful rest of your day. Bye.


utterance: Alright, thanks for calling Intellibank. This is Jose, how can I help you?

utterance: Hello Jose.

utterance: Hello.

utterance: I'm just gonna get straight to it and let you know that I'm calling today about a line of credit I would like to open up for

utterance: Oh.

utterance: Fantastic.

utterance: Yeah.

utterance: OK, well let's see if we can do that for you.

utterance: Let's see.

utterance: Let's go ahead and open up your account. Go ahead and give me your account number.

utterance: Can you hold on? OK, go ahead. It's seven two one four four four three three six eight.

utterance: Great. And your full name?

utterance: My full name is Guadalajara.

utterance: Respinjuando.

utterance: Oh, OK.

utterance: Would you like me to spell that for you?

utterance: Yeah, yeah. the whole. Both. First. And the last name.

utterance: So, the first name is Guadalajara. G U A D.

utterance: Mhm.

utterance: A L Got it so far? E R A. Guadalajara. And then the last name is Respinjuando. R E S P I N J U A N D O.

utterance: Mhm.

utterance: Mhm.

utterance: OK, fantastic. And your date of birth there?

utterance: My date of birth is September ninth two thousand.

utterance: OK. What's your address there?

utterance: Address is two one seven Wilshire Boulevard, Los Angeles, California.

utterance: Oh.

utterance: Oh, OK.

utterance: Yeah.

utterance: That's fantastic. OK And I just need your driver's license state.

utterance: California.

utterance: OK. And your business name.

utterance: My business name is Loopy's Piping Hot Sauce.

utterance: OK. Oh, wow. So, it's a hot sauce company?

utterance: We do make hot sauce yeah.

utterance: Yeah?

utterance: What else do you make?

utterance: Oh, we also make things to pair with our hot sauce.

utterance: Oh

utterance: How wonderful.

utterance: Yeah. We genetically crossbreed fruits and vegetables.

utterance: And w~

utterance: To create things such as a parrot

utterance: A parrot? Like the bird?

utterance: Like a carrot and a pear.

utterance: Oh, how fun.

utterance: Yeah.

utterance: And when did you establish that business?

utterance: Six years ago.

utterance: OK. Do you have your tax ID number on you?

utterance: No.

utterance: I'm sorry, I'll have to ask you again. Do you have your tax ID number on you?

utterance: No.

utterance: Would you. Could you go get it?

utterance: From where would I get that? Where would I get that? Where would I get something like that?

utterance: Probably.

utterance: Where

utterance: Would you keep your tax papers? Where do you keep your business papers?

utterance: In my

utterance: In my file.

utterance: Well go. Go and maybe take a gander over there.

utterance: I'm

utterance: Not in the office currently.

utterance: Well.

utterance: I tell you what, this is highly illegal, but I'm gonna go ahead and and just nine numbers. And go ahead and push it through but I would. If I were you I would call and get that fixed.

utterance: OK. Wait. Call who?

utterance: I dunno. What are your? let's see here. Well, your business seems to be doing pretty well, you're, it's accounts. We have a fifty thousand dollar limit.

utterance: Oh.

utterance: But that does come with a twenty-five percent interest rate right off the bat.

utterance: OK.

utterance: Yeah?

utterance: Mhm.

utterance: I can put you down for that?

utterance: Yes.

utterance: Fantastic. Hey, do you do online banking? Did you know Telo. Intelo. Intellibank is online?

utterance: Exactly.

utterance: Intellbank?

utterance: Intellibank.

utterance: You know I did know, but I have some type of resistance, inner resistance to online banking.

utterance: Why? Tell me.

utterance: I don't know.

utterance: Let's get to the heart of that. Why don't you do online banking? Do you do anything else online?

utterance: Have you ever?

utterance: I do everything online.

utterance: Like what?

utterance: Everything. Online banking is the only thing I don't do online.

utterance: Get your groceries online?

utterance: I do. Everything else.

utterance: Well, I'm just saying that our website is very easy to use and you can handle your banking through there.

utterance: You know, my full relationship is through online communication?

utterance: Yeah?

utterance: We never even see each other in person.

utterance: Oh.

utterance: So, if I can do that online.

utterance: Well, who's making the hot sauce?

utterance: Oh, me.

utterance: OK.

utterance: And a team of men that work for me.

utterance: That you've

utterance: Never seen?

utterance: I've met them.

utterance: Oh, I

utterance: See. A team of men. Hm.

utterance: Mhm.

utterance: Interesting.

utterance: They stand on each other's backs in a pyramid shape while they're at work.

utterance: Interesting.

utterance: Mhm.

utterance: Well, we're gonna go ahead and sign you that credit to you.

utterance: I'm gonna transfer your call to someone else. .

utterance: You're assigning

utterance: The credit right now?

utterance: Well, I I'm going ahead and patch it through and say that this is good to go.

utterance: Patch it through to your co-worker?

utterance: Yes, and they'll ask you all the same questions. In the same and manner.

utterance: I'll answer all of them exactly the same way that I did.

utterance: Did I ask you about I did. Online banking, did I ask about that?

utterance: We we.

utterance: Touched on it briefly.

utterance: And you don't do it? You still don't wanna do it?

utterance: I will. I'll.

utterance: Consider it now.

utterance: OK.

utterance: I might. I'm gonna go I'm gonna go for the online banking.

utterance: Well.

utterance: Oh, very good. OK. Well, is there anything else I can do for you?

utterance: Yeah.

utterance: Give me two things you'd like to see paired, a fruit and a vegetable.

utterance: Oh, an avocado persimmon.

utterance: Great. I'll work on it. Thank you. An avazimmon.

utterance: What would you call it?

utterance: There you go. .

utterance: Goodbye.


utterance: Hello. Thank you for calling Intellibank. This is Adam. Can I help you with anything today?

utterance: Hey Adam, yeah. I was just looking over my over my finances. I was trying to I guess trying to settle up as much as I can.

utterance: Settle up?

utterance: Yep.

utterance: OK. Well. So I'm assuming you have some finances handled with us?

utterance: Yeah, I definitely some, some obligations I'd like to take care of, to the extent I can.

utterance: All right. Well, maybe I can help you figure this all out. Let's see. Well, what kind of accounts do you have with us?

utterance: I know, I think it, it's a loan account that I'm calling about.

utterance: Oh. OK. So, if you're looking to settle up, perhaps you wanted to make a loan payment today?

utterance: Correct. Yes.

utterance: I would be happy to help you with that and that is something I can process on the phone, so at the end of this call this payment will be made at whatever date you want. You can make the payment immediately, or you can set up a future date payment.

utterance: OK.

utterance: First of all, I'm gonna need your first and last name.

utterance: Michael Kelly.

utterance: Michael Kelly. Also we'll need your date of birth and a four to eight digit PIN number.

utterance: Mhm.

utterance: Yeah. The date of birth is March thirteenth nineteen eighty-two and the PINs OK. I'm sorry. The PIN. Let me put you on hold for a quick second. What, what else do you need? You need my PIN number? Do you need my, do you need my social?

utterance: Yeah. If you could just get all your account info ready to go. There's a couple more account questions that once I get through these security questions it won't prompt me to the next one until I know it.

utterance: OK.

utterance: So yeah just go ahead and grab whatever you need to grab.

utterance: OK. Give me a minute. OK. Thanks.

utterance: Absolutely.

utterance: OK. You there? Sorry for the the delay there. Yeah. OK. I got my I got my. Yeah OK. Yeah. I got my Bank Smart info. I got two

utterance: Still. Still. Still. Hang. Yeah, I'm sorry. Just let. Just let you know I'm here.

utterance: What's the four to eight digit PIN?

utterance: yeah. I got seven night three two and then seven nine three two eight four.

utterance: OK. But you do have those?

utterance: Yeah. This, number, yeah, it's a Smart Bank and those are, yeah, those are the PIN numbers.

utterance: Let me

utterance: Just try them both and I'll be able to tell you which one.

utterance: This is Smart Bank, right?

utterance: Oh. No. You've called Intellibank.

utterance: Yeah. No, no, yeah. Sorry. I, I always do that. Yeah. Intellibank, yeah.

utterance: Intellibank. Yeah. OK, so. In order for me to try two numbers I have an additional security question here. What is the name of your first pet?

utterance: That would be Rocky.

utterance: Rocky. That let me in. So, I'll try that second number you gave me, and that's the one. So, it's that second number you gave me that's for future records. Mm. also, we'll need a loan account number from you.

utterance: OK.

utterance: Right.

utterance: that is one two six three three seven eight four.

utterance: Great. Also, a payment bank account number?

utterance: Yeah. That is three eight three zero zero five seven two.

utterance: I will also need a payment routing number.

utterance: Yeah Oh yeah. Nine eight three two one zero zero three seven.

utterance: Thank you for that. That will just take a second to all go through our system. OK. Fine. Let's schedule that payment for you. Did you have a payment date in mind?

utterance: OK.

utterance: yeah. This Friday.

utterance: This Friday? Looks like this Friday is November eleventh. Is that correct?

utterance: Yeah.

utterance: Oh. Yeah, sorry. Yeah. Date. Yeah, the eleventh.

utterance: Mhm and what's the amount you'd like the payment to be for?

utterance: twelve hundred.

utterance: Twelve hundred. That's one thousand two hundred dollars we'll make going toward your balance on this loan.

utterance: Yes, sir. Yeah.

utterance: OK. I went ahead and processed that. for you. And then that will take place on the day you provided. Can I help you with anything else while I have you on the phone?

utterance: No. That is it.

utterance: Great. Well, thank you so much for being a valued Intellibank customer. It says here you've been with us since two thousand six and we certainly appreciate your business.

utterance: All righty. Thank you.

utterance: Thank you. Bye Bye.


utterance: Thank you for calling Intellibank.

utterance: My name is Jackie, may I help you?

utterance: hi Jackie then this is Intellibank? You broke up a little bit there.

utterance: Yes.

utterance: This is Intellibank, sir.

utterance: fantastic

utterance: Wanted to really keep it simple for you, just I I I feel like this is something I probably could've done online but you know I like I like calling and talking to you guys.

utterance: No problem.

utterance: I hope you don't mind that. I hope you weren't too busy over there. You don't mind a couple a calls about some simple things.

utterance: Not at all sir.

utterance: I wanted to check my credit card and see what the balance was currently.

utterance: Not a problem, I just need a little bit of information to get your account. If you could start by telling me your last name.

utterance: It is Pence.

utterance: That is P E N C E?

utterance: That's correct.

utterance: Excellent and your first name as it is written on your account.

utterance: Roy.

utterance: R O R Y?

utterance: just R O Y.

utterance: R O Y, Roy. Roy Pence, excellent. Thank you Mr. Pence. Can I please have your pin number for this account.

utterance: Oh, let me find that, I am very sorry that I did not have that ready before I called.

utterance: Not a problem.

utterance: hold on one second here.

utterance: oh this should be it. I believe it's nine eight six seven.

utterance: Does that check out with you guys?

utterance: No sir, is another number?

utterance: Ooh.

utterance: Yeah, I had a feeling that was gonna be wrong to be honest with you.

utterance: Not a problem.

utterance: Let's try six two five four.

utterance: Perfect. That works.

utterance: Great.

utterance: Thank you, Mr. Pence. one more, quick.

utterance: All right. I'm gonna

utterance: Write that down really quick just to make sure that I remember that for the future. Six two five four is the PIN, OK.

utterance: Great.

utterance: And just one more security questions for your own protection is.

utterance: Sure.

utterance: Just your date of birth please.

utterance: Oh it's two twenty-three seventy-eight.

utterance: Excellent.

utterance: I was born on two twenty-three as well.

utterance: Oh, look at that.

utterance: Yes, so OK, you wanted to check your credit card balance. I see that you have two credit cards through your business account.

utterance: Mm. Mhm.

utterance: One is.

utterance: The platinum and one is the gold.

utterance: which one would you like to check?

utterance: I'd like to check both of them.

utterance: OK, excellent.

utterance: So if you have those cards with you, I just need to verify, you can tell me the last four of your platinum.

utterance: Last four of the platinum is seven two five nine.

utterance: Excellent, thank you. I will take a look.

utterance: OK, your balance, your outstanding balance you have a twenty-five thousand dollar limit on this card. You have a three thousand nine hundred sixty-two dollars and thirteen cents outstanding.

utterance: OK and that was on the platinum?

utterance: On the platinum.

utterance: OK.

utterance: So you have a little bit more than twenty-one thousand available.

utterance: OK and then what about the gold?

utterance: Let me take a look.

utterance: Can you please give me the last four on the gold card.

utterance: Oh sure, it's seven five eight three.

utterance: Excellent. OK for this, you also have a twenty-five thousand dollar limit.

utterance: And you have no outstanding balance on this card.

utterance: Oh.

utterance: Fantastic.

utterance: Of course, not a problem.

utterance: It it as nice as you've been and as helpful as you've been I'm guessing I could've checked this online.

utterance: Yes sir, absolutely there we do have online services available. I see that you are not enrolled. Anytime you would like to just go to our website, Intellibank dot com and you you can enter your information there. They'll see that your a valued member. They'll ask you some simple security questions and it's a little bit of a you know task to get signed up but once you're signed up. It's a lot faster after that.

utterance: And and the website includes the credit card information too, not just my bank account?

utterance: Yes, it also includes all your credit cards and every loan and other like your SBA loan is on there so every all your information is in one convenient location.

utterance: All right, well I may try that out.

utterance: Absolutely but anytime you need to call us, always feel free or stop at one of our branches

utterance: We're always happy to see you.

utterance: Will do, thank you so much.

utterance: Thank you Ms. Pence. Anything I can help you with today?

utterance: Nah, you've been great, thank you.

utterance: Thank you, have a wonderful day.

utterance: Bye.

utterance: Bye.


utterance: Good morning, thank you for calling Intellibank. This Gérard calling or answering, what can I do for you?

utterance: Good morning, Gerard.

utterance: It's Gérard, thank you. Good morning.

utterance: Excuse me, my French is a little of today. Haven't had my morning coffee yet.

utterance: Oh.

utterance: Have you?

utterance: I have. I've had two cups of French roast.

utterance: Oh how fitting.

utterance: Yeah.

utterance: Did you make it yourself?

utterance: here in the break room but I brought it in.

utterance: hey before I tell you why I'm calling, I need to take this other call real quick. Do you mind just staying on?

utterance: Oh, sure go ahead.

utterance: OK. Gérard are you still there?

utterance: Yes Gérard is still here.

utterance: OK, and I was just meaning to stay on this but I don't wanna wait on hold again while I call back, so I'll I'll be back momentarily, OK?

utterance: OK.

utterance: Thank you.

utterance: Hello?

utterance: Yes?

utterance: OK, great, hi. so I was just calling today because I need to change the email that you have on file for

utterance: Sure.

utterance: Sure, sure. What's your name?

utterance: My name is Sinthia Patouli.

utterance: Sinthia Patouli.

utterance: And that's Sinthia S I N.

utterance: OK.

utterance: Mhm.

utterance: Sinthia.

utterance: Yeah.

utterance: Sinthia Patouli.

utterance: Mhm.

utterance: And can I get your current email address?

utterance: My current email address is P Patouli nine nine six at Gmail dot com.

utterance: all right, and your account number?

utterance: I need to give you my account number just to change my email address?

utterance: Yes ma'am, I gotta hop in there in your account and change it in.

utterance: Isn't there another way you could look it up, because I don't have my card nearby and I'll have to have you hold again.

utterance: Mm.

utterance: OK, well I do need your account number.

utterance: So you wanna wait?

utterance: yeah sure if we if you need this done right now, yes.

utterance: Well, I do need it done right now.

utterance: All right, well let's get the account number.

utterance: OK, I'm gonna go find my card.

utterance: OK.

utterance: Thanks for your patience.

utterance: You're welcome.

utterance: OK I found it.

utterance: Oh great.

utterance: Mhm sir are you ready?

utterance: I was born ready.

utterance: Oh that's wonderful to hear.

utterance: My account number is gonna be seven three zero six two four two one one two six.

utterance: All right there I see P Patouli.

utterance: Mhm.

utterance: Five nine six at Gmail.

utterance: Yeah.

utterance: and what are we changing it to?

utterance: So I'm revamping my small business.

utterance: Yeah.

utterance: Doing a little upgrade facelift, exterior, interior, all around. I recently also got some upgrades to myself, if you know what I mean.

utterance: That's great. You software updates?

utterance: Yeah.

utterance: Software updates? I did do some company software updates, and I'm going to change my email address on my account to Sinny's Sins does do you think that sounds like a good email address?

utterance: I you know it's all what you wanna do, what your intentions are with the email.

utterance: Does it sound a little seductive?

utterance: A little bit.

utterance: Like, not too much though.

utterance: No, not too much.

utterance: And you don't

utterance: you wouldn't really know what it's talking about.

utterance: No, it could be talking about the Bible.

utterance: OK perfect. So that's going to be Sinnny Sinnns, with three Ns in each word.

utterance: OK.

utterance: And it's still going to be at Gmail.

utterance: Gotcha.

utterance: What what where do you, where's your email what provider?

utterance: I have a through my work the bank at Intellibank dot com.

utterance: At Intellibank dot com? OK.

utterance: Yeah.

utterance: Great.

utterance: What else can I do for your today?

utterance: Is there, like, an app I can use for my banking?

utterance: Oh, absolutely. Is there's mobile banking, is that what you're referring to?

utterance: Yeah, mobile banking.

utterance: Oh my god, mobile banking is the best.

utterance: It is?

utterance: It is, you can everything in the palm of your hand, you don't even have to leave your couch.

utterance: Well I do have to leave my couch.

utterance: Oh.

utterance: OK. well then, what I'll do is I'll email the information to your new new email .

utterance: My new.

utterance: Can you make sure it's the new email?

utterance: Sinnny Sinnns at Gmail dot com, three Ns in each word.

utterance: Mhm.

utterance: You got it.

utterance: All right. may I ask what you do?

utterance: OK.

utterance: I make cinnamon buns.

utterance: Oh, nice.

utterance: Mhm.

utterance: I want a cinnamon bun.

utterance: I bet you do.

utterance: OK.

utterance: OK.

utterance: Goodbye.

utterance: Goodbye. Thanks.

utterance: All right, OK. Bye.


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

utterance: Yeah I received a letter in the mail concerning interest rate and I was wondering what's going on with that you know.

utterance: Glad to assist you with that sir I in order for me to pull up what the notice that we sent to you I'll just need to ask you a few questions in order to pull that up for you. Is that all right?

utterance: Yes sir.

utterance: Terrific and if I could just ask what's your first and last name?

utterance: Benjamin Freemon.

utterance: Alright and Mr. Freemon what business do you have that has an account with us?

utterance: Rays Construction company.

utterance: OK and Mr. Freemon if you would let me know. What is your date of birth and your phone number?

utterance: My date of birth is three twenty-six nineteen seventy. My phone number is seven seven oh two two zero five eight five nine.

utterance: Alright and Mr. Freemon if you would let me know. What is your address for your business?

utterance: Address for my business is one forty-one Oakwood Avenue Avondale Estates Georgia three zero zero zero two.

utterance: OK and if I could repeat that just to confirm that is one four one Oakwood Avenue Avondale Estates Georgia three zero zero zero two. Is that correct?

utterance: That's correct.

utterance: And Mr. Freemone if I could ask what is the account number that you have with us.

utterance: That account number is nine eight four six five six nine one two.

utterance: Alright terrific terrific and final question Mr. Freemon and again these are asked for your security purposes. what is the pin number for your account?

utterance: One seven zero nine.

utterance: Terrific terrific thank you for that let me see if I can get this pulled up for you.

utterance: Yes sir yes sir. I really appreciate that cause I've been real busy today and tell you I just want to get some things out the way and phone been ringing off the hook you know and it's just one of those days you know.

utterance: Wow sounds good hopefully it's good calls ringing off the hook with your new business.

utterance: Yeah, some some.

utterance: Well hopefully more new business to come.

utterance: Oh yes sir yes sir definitely.

utterance: Now I was able to pull up your account there Mr. Freeman and yes I was able to identify the notice that we sent and you're correct. we were call. we sent that to you to notify you that we've actually had a interest rate increase of zero point five percent on all of our business loans with our customers.

utterance: OK. Alright, so is that a plus for me or a negative?

utterance: it's a great question. I'll be more than happy to address that. The reason that there was this increase is because in your case your particular loan it's an adjustable-rate loan and because of that adjustable-rate loan and it appears Mr. Freeman you have a real estate loan with us. so initially you had a interest rate of one point three seven five percent and so that increase of zero point five increased it to one point eight three seven five percent if I'm correct.

utterance: OK well so what would be the difference in my dollar payment. How how would that play out?

utterance: Well great question really it'll apply towards really what your account balance is and or or you loan balances for your loan and as I look at it here it appears that the balance on this particular loan and again this is a real estate loan that you have with us. I it appears is for the Oakwood property address that you gave me earlier. is that accurate?

utterance: That's correct.

utterance: OK and as I look at it here it appears that you have some sort of a loan here of one million six hundred and seventy-five thousand and so the increase of the zero point five percent it looks like it'll likely be an additional roughly of let's see here. it looks like about a roughly fifty dollar monthly increase in your monthly payment.

utterance: That's liveable.

utterance: And just so that you're aware it's also possible that in time that rate could go down.

utterance: Oh, that sounds real good.

utterance: because again as I mentioned it's an adjustable-rate mortgage so it it can go down or up depending on what's happening in the overall banking industry so it's not something specific to us. It's something that happens based off of what's going on within the country as far as as you may know, Mr. Freemon government shutdowns that can impact funds and there's been a lot of issues going on in Washington that can sometimes impact interest rates. Across the banking industry.

utterance: Oh OK that's that's true. Yeah, they doing a lot of messing up in Washington.

utterance: Well I mean I guess we can say advice to our customers is just reach out to your local representative and hopefully They'll be able to hopefully not only shut the government down but prevent any sort of defaulting on the government debt because that absolutely could potentially have a negative impact on interest rates.

utterance: Yeah, normally when you talk to a representative they talk a lot and don't say nothing.

utterance: I I I here you there Mr. Freemon. I I I wouldn't argue with you.

utterance: Yeah, I appreciate that.

utterance: is there anything else that I can assist you with?

utterance: that'd be all. I appreciate it thank you so much.

utterance: Well if that is all Mr. Freemon we certainly appreciate you doing business with us and again thanks for giving us a call.

utterance: Thank you very much. You have a great day.

utterance: You as well. Bye bye.

utterance: Bye bye.


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

utterance: Hi Kenneth. I'm kinda scrambling here. I was just wondering do you have notary services through your bank?

utterance: Absolutely. If you would like, I can set up an appointment for you at one of our local branches.

utterance: that'd be great. I'm kind of going through a divorce with my wife and gonna need a notary to sign off on on everything and I just want to kind of get this behind me. I'm sure I'm sure you can understand.

utterance: That is completely understandable. All right. Do you have an account with Intellibank?

utterance: wait Intellibank or Tellicorp?

utterance: Intellibank.

utterance: Intellibank. OK. Yes. I do have a account with you. are you going to need my address? six four four six three Strossen Square, Suite one oh two.

utterance: Not gonna need that. I will need your ZIP, but I'm not quite ready for that yet. the first thing we're gonna do is we're going to pull up your account and to do that, I'm gonna need your full first and last name as it appears on the account.

utterance: so it's Christopher. C H R I S T O P H E R. Fuller. F U L L E R.

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

utterance: account number is going to be seven two two nine one four.

utterance: And what is your four digit PIN?

utterance: Four digit PIN is one two nine six.

utterance: All right. OK. Just wait a moment while my system loads.

utterance: Did you need of the other information like the last four digits of my Social or anything like that?

utterance: I am going to need your ZIP code once I have your account pulled up so that we can find the closest branch for you to meet that notary.

utterance: Perfect. yeah it's been a little a little frustrating here trying to get through this divorce. are you married at all?

utterance: I am. Yes.

utterance: Yeah. Well I don't recommend the divorce.

utterance: I actually used one of our notaries for when I got married.

utterance: Wow. OK, there you go. All right. Well, I'm sure he does divorces on as well. Both ends of the spectrum.

utterance: Yes. Absolutely. Anything you need from our notaries they can definitely help you with. Sorry this is taking so long. Sometimes our system just gets very slow.

utterance: Oh not a problem. Not a problem.

utterance: do yo have kids?

utterance: no. No kids. So I think I guess that's a blessing in disguise.

utterance: Hey. Yeah. You got lucky there. That's a. That's a whole other thing.

utterance: That's a whole other ball game. I'm sure there. We're fighting over mileage instead of kids.

utterance: All right. I have your account pulled up. let's go ahead and get that ZIP code.

utterance: it's four six six seven nine.

utterance: OK. So we have a branch on Golf and Western. how quickly were you looking to get that appointment?

utterance: You know what. Let me put you on a brief hold so I can text my wife and see what date would work best for her. Do you mind if I put you on hold?

utterance: Oh not at all. Please.

utterance: Thank you.

utterance: Take as long as you need.

utterance: So it looks like the seventeenth so the next Wednesday the seventeenth of February would work great.

utterance: All right. and what works better for you? An afternoon? Or a morning or a late afternoon?

utterance: You know what. Morning. Let's go ahead and get get it over and done with so anything, you know, nine or ten o'clock would work great.

utterance: All right. I even have an eight a.m.?

utterance: OK. That would be perfect.

utterance: All right. You are all set for an appointment with a notary. best of luck with the divorce. Thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: Thank you. You as well.


utterance: Good morning. My name is Susana and I will be assisting you today on this Intellibank call. How may I help you today?

utterance: I have a couple of things. First off I'd like to check the exchange rate for both the Yan and the Peso and also I'd like to deal with my credit card balance too. So my name is Cason C A S O N Thompson.

utterance: Is that T H O M P S O N.

utterance: That's right.

utterance: And Cason you said C A S O N.

utterance: C A S O N that's right.

utterance: OK.

utterance: And may I have the four digit PIN number associated with your account?

utterance: Yeah it's three one seven four.

utterance: Three one seven four, OK.

utterance: That's right.

utterance: Yeah. I'm just pulling up your information.

utterance: OK and I will just need to verify your date of birth please.

utterance: Yeah it is June second Nineteen ninety three.

utterance: OK. Thank you Cason appreciate that.

utterance: OK, and for the exchange rate. I'm sorry can you tell me ag~

utterance: Yeah I'm looking.

utterance: At the peso and I'm also looking at the yen as well.

utterance: Pes~

utterance: OK very good. Mhm.

utterance: Thank you.

utterance: OK. for today's closing market the peso is coming in at point seven five compared to the dollar.

utterance: OK.

utterance: Right.

utterance: And for the Yen. Bare with me while I'm loading this up.

utterance: I'm sorry, it's just not pulling up yet. One moment.

utterance: No. No,

utterance: It's fine. It's fine. Just.

utterance: Are you planning on traveling soon?

utterance: Yeah I.

utterance: OK.

utterance: Yeah OK so what's my credit card balance.

utterance: I'm sorry I'm still pulling up the Yen for you.

utterance: OK.

utterance: Unless you no longer want that infor.

utterance: No no I it's taking a minute.

utterance: OK.

utterance: It's taking a minute.

utterance: Mhm it is I apologize. OK for the Yen that is coming in now at point nine one.

utterance: All right great. So what's my credit card balance due.

utterance: OK let me I need to go into a different screen for that. please go ahead and provide your credit card number.

utterance: All right. Doesn't wanna just work with the PIN? Do I need to give?

utterance: I actually I need to access it with your credit card number.

utterance: My number.

utterance: OK.

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

utterance: OK great let me just pull that up here for you.

utterance: OK.

utterance: What do I owe?

utterance: I'm pulling that up, just one moment please.

utterance: What do I owe?

utterance: I heard you sir, I'm pulling up the information. OK. I'm entering some information so I don't have to ask you more questions because, it does ask me to repeat name, date of birth and whatnot so I'm just putting that in for you.

utterance: OK.

utterance: system all right.

utterance: Yes it is for your security.

utterance: All right.

utterance: All right so The amount that's due by tomorrow it's three thousand dollars and forty eight cents.

utterance: three thousand

utterance: Dollars. You kidding me?

utterance: That is that is the the yes.

utterance: Yeah I heard what you said but something is not right there.

utterance: Yeah it does look like the last two payments were not received. So it is it is an accumulated balance.

utterance: Well you

utterance: Have my debit balance. I'm not sure why it's not really This is ri~

utterance: Yeah it is it is

utterance: It's a it's a three month balance.

utterance: God I don't. this is due tomorrow. I don't understand why you guys can't just send some warning just saying hey you know?

utterance: Well you are set up on our email system so you should be. You should.

utterance: Tomorrow.

utterance: Well I be. I should be getting

utterance: Text messages or at least a courtesy call.

utterance: I had a look in the system here and I do see that some call were put up.

utterance: Geez.

utterance: If you're not.

utterance: Receiving text messages I can actually set you up for text alerts.

utterance: Yeah.

utterance: Well.

utterance: Don't really need to know, I'm probably gonna go to a different bank I mean gee That's ridiculous. I mean, come on.

utterance: Would you like me to process a payment for your now?

utterance: No. Why why don't you just call can I can I call back after All right I gotta do~

utterance: Yeah you ca~

utterance: Ch~

utterance: Thank you.

utterance: You can call back. We can also because you have different accounts with us we can transfer from one account to the next.

utterance: That's a lot of.

utterance: Money. I wish you guys could have said something .

utterance: Well it does look like that's notifications were sent out, but again if you'd like me to set you up on text alerts if that's a help. I can do that for you too.

utterance: All right.

utterance: Mm. Whatever. Whatever.

utterance: Sure.

utterance: Would you like me to do that?

utterance: All right the phone number I have on file is.

utterance: All right let me I'll call you back okay.

utterance: All right not a.

utterance: You've done enough.

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

utterance: Right.


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

utterance: Hi. I'm calling to open up a new checking account, as well as I heard there's a way to set up auto billing? For to pay off my bills.

utterance: we don't have a auto billing to pay bills, but we have an auto billing to bill your clients.

utterance: Oh! That sounds really useful actually.

utterance: All right. so let's go ahead and start by opening up that account for you.

utterance: Great.

utterance: so I'm gonna need your full first and last name as it. as you'd like it to appear on your Intellibank account.

utterance: Yeah. My name is Jody Ho. Jody, J O D Y and Ho, H O.

utterance: All right.

utterance: And what is your date of birth?

utterance: It is February twenty-third, nineteen ninety-two.

utterance: All right.

utterance: And, what is your social security number?

utterance: one second.

utterance: Sure!

utterance: It is four eight one, one five, five zero eight two.

utterance: And what is your driver's license or state issued ID?

utterance: I have a California driver's license. Y nine four eight, zero two one four.

utterance: All right. And what is your email address?

utterance: Jody underscore Ho at Gmail dot com.

utterance: OK. And I'm gonna need you to set up a four digit PIN.

utterance: One zero six six.

utterance: All right. And what is the name of your business?

utterance: It is Jody's Cafe and Bakery.

utterance: All right. And are you the sole owner?

utterance: I am.

utterance: All right. And, when was your business established?

utterance: It was established in two thousand five.

utterance: All right. And your gross annual sales?

utterance: last year we made sixty-one thousand, five hundred forty dollars.

utterance: And what is your tax ID number?

utterance: The tax ID number should be, five four four three eight zero. Six seven five six.

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

utterance: It is eight thousand four hundred fifteen, Cincinnati Street.

utterance: OK. So we have your checking account all set up for you. And now to set up that automatic billing can I get the name of the client who you will be billing every month?

utterance: Yeah, I guess my primary client these days is Josie's Wedding Catering, an L L C.

utterance: All right.

utterance: And I'm going to need to get their bank account number.

utterance: yeah. Let me check my records real quick.

utterance: Their account number is Eight four five two, nine eight four, six seven nine eight six.

utterance: And I'm gonna need their nine digit routing number.

utterance: That is two three, two two, three, three four four.

utterance: And I'm gonna need their email address that we'll be sending that notice to.

utterance: Josie's Wedding Catering at Gmail dot com.

utterance: All right. And how much will that monthly bill be for?

utterance: It's two thousand.

utterance: OK. Hold on just a moment while my system loads.

utterance: Is there a way to set up like a variable amount of billing each month later?

utterance: no for the automatic billing. you can go into your account online and change it every month but that would have to be done monthly.

utterance: Got it. Thank you.

utterance: All right. You are all set. Is there anything else I can help you with today?

utterance: No.

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


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

utterance: Hi, I was told to call here so that I could setup some automatic loan payments. Your website is kinda like not working. I don't know if you know that? Like.

utterance: Well I'm very sorry to hear that. I'll definitely send a note here to see if we can figure out what's going on with the website. are you an existing Intellibank customer?

utterance: yeah I am.

utterance: All right, so to get started the best thing to do is gonna be to pull up your account and to do that I'm going to need your full first and last name as it appears on your Intellibank account.

utterance: OK, my first name is Grace and my last name is spelled C as in cat O as in orange L as in Lombard O as in orange N as in Naples.

utterance: All right, thank you for that. And what is your date of birth?

utterance: It's August fifth nineteen ninety-two.

utterance: All right, and what is your twelve digit account number?

utterance: so I'm looking at my statement and I think it says three seven six four eight three three two zero but that's only nine digits so.

utterance: All right.

utterance: Is that gonna work? Like.

utterance: Let me see here. Nope, I am going to need those other three digits.

utterance: where I'm reading it and it says account number and then it says only nine digits. So like is there like.

utterance: That could possibly be your routing number. Do you have your statement available or possible your checkbook?

utterance: Somewhere else that can look.

utterance: Yeah, I mean the statements right in front of me but OK, like I can go and find my checkbook.

utterance: That would be great if you could.

utterance: OK, be right back. OK, I have my checkbook in front of me and yeah, your right there's is twelve digits. yeah, it says six five four zero seven eight one two two six four five.

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

utterance: Three two two two.

utterance: All right.

utterance: is there like a way to make a complaint? Because I'm just like it it's not against you. I'm just. This this bank is.

utterance: I totally understand the whole process is really really messed up.

utterance: The website is down. I'm pretty sure this website has been down like every time I've tried to setup this up in the past month. Which has been like at least once a week so at least four times. Which is kinda concerning like.

utterance: Totally understand I am very sorry to hear that. I you know I bank here as well and I have had similar issues and it is very frustrating and I I am very sorry to hear that. we are just about done here. I have your account all pulled up. I just need to get a couple more pieces of information from you and we'll have that loan payment setup. how much would you like that payment to be every month?

utterance: I guess I can do like three hundred dollars a month.

utterance: All right, and what date of the month would you like that payment to process on?

utterance: Just start today.

utterance: All right, and every month going forward it's OK to do it on the eighth?

utterance: Yeah.

utterance: OK, and I'm gonna need your nine digit routing number.

utterance: OK, here it's two one three three three three six seven eighty.

utterance: All right, this is just processing this will just be a second. All right, you're all set. Is there anything else I can help you with today?

utterance: Just the complaint.

utterance: I will make sure and let them know. Thank you for calling Intellibank. Have a wonderful rest of your day. Bye.


utterance: Thank you for calling Intellibank. My name is Brooke.

utterance: How may I assist your call this evening?

utterance: yes. Hello. I'd like to get some information about the last quarter's consumer price index please.

utterance: All right. I'd be glad to assist you. And, who do I have the pleasure of speaking to tonight?

utterance: This is Gwendolyn Smith.

utterance: Gwendolyn Smith.

utterance: OK. Perfect. Thank you so much.

utterance: You're welcome.

utterance: Sorry

utterance: About that. There was some little sound interference from the computer next to me. I apologize for that.

utterance: Mm, don't you just hate that those computers.

utterance: Can't live with them, can't live without them.

utterance: I

utterance: Know, It's just terrible.

utterance: How's your night going tonight, Gwendolyn?

utterance: Oh. I've been better. How about you?

utterance: Oh, I'm doing pretty good. Thanks for asking.

utterance: I'm just in this horrible traffic jam. That's why I'm calling because I figured well I'm gonna be sitting here for probably an hour, so I might as well get some stuff done. So that's why I gave you a call.

utterance: Oh well that sounds like a great use of your time.

utterance: I

utterance: Think so.

utterance: Where where do you live? What area?

utterance: I live in Beverly Hills.

utterance: And then that's in California?

utterance: That's right. Where do you live?

utterance: I'm located in Florida.

utterance: Oh. Interesting.

utterance: But, we don't have the same kind of traffic I hear that you folks have.

utterance: And, you're all Trump supporters down there, aren't you?

utterance: There are a lot of Trump supporters. Yes, that is true.

utterance: I'm sorry. I'm probably being presumptuous.

utterance: No, that's all right. that is one of the realities of living in Florida.

utterance: remaining Switzerland here.

utterance: Aren't you clever?

utterance: All right. So what type of consumer goods are we speaking of tonight?

utterance: I have an apparel store and business lately has just been terrible. But, I'm thinking of expanding to different kinds of apparel. more than what I already have.

utterance: I see. And

utterance: I may I ask what type of apparel do you sell?

utterance: Well how can I say this in a Democratic way? let's just say that say I sell evening apparel and I'm looking to extend it to daywear apparel.

utterance: All right.

utterance: Meaning just your everyday casual apparel. Like the Gap. T-shirts Jean, khakis.

utterance: Oh.

utterance: OK. I understand. So you All right, so basically overall consumer good for apparel.

utterance: Yes. I mean I know I'm I'm asking very general questions. I'm not really sure what to ask to be honest. I I I guess I wanna know if I need to take out a loan how much money I'm going to need in order to buy merchandise.

utterance: Sure. Based on based on the current market. So let me ask you what time period are we are we are we looking over one quarter?

utterance: Yes.

utterance: Are we looking over two two to six quarters.

utterance: I think the past year would be helpful, Or actually the past the past two years, if that's possible. I'd like to see what happened before covid and during covid, and I think that will give me a better idea. I don't.

utterance: Yes.

utterance: OK.

utterance: So so we'll get the average of of eight quarters over a twenty-four month period.

utterance: Yes, that would be helpful.

utterance: OK. Very I'm I'm pulling up this information and I'm just waiting for it to load and while I'm doing that, just letting you know that you also have the ability of doing this online since you are an Intellibank customer.

utterance: OK.

utterance: OK.

utterance: You would see a you would see the tab for consumer price index under under categories.

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

utterance: Certainly. No problem.

utterance: OK. Sorry about that. I was trying to switch lanes and I wanted to give it all my attention.

utterance: No problem. So I have that information and I will send you a this will be in your email as well.

utterance: Just so you know for over the past twenty-four months there has not been that much fluctuation.

utterance: For the previous year it looks like the value has been six percent and for the year before that, it was at four and a half percent.

utterance: OK. That's well that's a great start. Thank you so much.

utterance: No that's not a problem. in the meantime are there any other questions I can answer for you?

utterance: no, I don't think so. Thank you for your help.

utterance: Well, Gwendolyn, it's been a pleasure talking to you and I wish you well on your future business endeavors.

utterance: And, Thank you so much for calling Intellibank. You have a nice evening.

utterance: Thank you.

utterance: Bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank business and commercial banking division, this is Amber. How may I help you?

utterance: Yeah hey Amber this is John Rivers at Three Rivers Mustard and Company.

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

utterance: Well I have some vendors I need to pay and unfortunately your mobile banking app is about as confusing as it can be.

utterance: Oh I'm sorry to hear that you're having trouble with it. I would be happy to walk you through how to use the mobile app or if you if you prefer I I could just help you over the phone here and and do it for you?

utterance: Oh well that'd be great if you could do that.

utterance: OK yeah not a problem. So you're looking to pay some vendors?

utterance: Yes that's correct.

utterance: OK so I just need to get a little bit of information here for your account so I can get that pulled up.

utterance: All right sure.

utterance: can I get the first and last name on the account?

utterance: That's John Rivers.

utterance: Can I please get the date of birth?

utterance: One eighteen of eighty-seven.

utterance: OK. Can I please get the pin number?

utterance: Fifteen ninety-five.

utterance: OK and then can I please get the account number as well?

utterance: zero two two one seven three and I have a quick question. first how do I send the money like what products and if you could check my account that would be great because like I said I have a backlog of pretzels and no mustard and I got a barbarian fest coming in and I gotta figure this whole thing out and my usual guy's out with the town.

utterance: Oh.

utterance: Yeah not a problem I can definitely help you and give you a little bit more guidance. OK so to do the transfer we have a couple different options. If they bank with us we can do an internal transfer to their account. If they do not bank with us we can do a wire transfer to their account.

utterance: yeah wire transfer would be fine but if you could check my account balance and is there a fee for that?

utterance: Yes I can definitely do both of those for you and help you out. So there is a twenty-five dollar fee for a wire transfer and them gimme one moment while I switch screens here to check your balance. Looks like you have a balance of forty-two thousand three hundred eighty-seven dollars and eighteen cents.

utterance: OK that sounds great. If you could what was that product you called?

utterance: It's a wire transfer.

utterance: Yeah if you could do that and send over to them five hundred and eighty-six dollars.

utterance: OK yep I can definitely do that for you. I'll just need some of their information here to get this started. Do you have their routing number for their bank?

utterance: yes if you'll hold please hold.

utterance: Certainly.

utterance: All right that's eight four nineteen twenty-one thirty-four one two zero.

utterance: OK. Do you have their account number?

utterance: Yes it's eighty twenty-two seventy-four.

utterance: OK and you wanted to transfer five hundred and eighty-six dollars is that correct?

utterance: Yes that's correct.

utterance: OK now please keep in mind along with that transfer amount there will be a twenty-five dollar fee assessed as well to you.

utterance: Yeah that's fine you mentioned that earlier.

utterance: OK and then was this going to be a domestic or international transfer?

utterance: Well this is an international transfer.

utterance: OK, just needed to verify that to make sure it matches.

utterance: Only the

utterance: Most authentic mustards.

utterance: Authentic is always the best.

utterance: Indeed.

utterance: OK I have gone ahead and made this transfer. It is immediate. You will be assessed immediately for the twenty-five dollar fee. Is there anything else I can help you with today?

utterance: No you've been great thank you.

utterance: OK well then you have a great rest of your day. Bye bye.


utterance: Hi. This is Robin Forsyth at Intellibank. What can I do for you today?

utterance: Hi Robin. I have one of my I have my businesses checking account with you guys and I'm sorry I had something in my throat. what happened was that I was supposed to pay a client for a shipment of really expensive goods but you know they never ended up coming and I mean he's sort of an old friend of mine. He said they would come but they wouldn't it's been about a month and they still haven't but I know that he is not cashed the cheque yet.

utterance: OK so it sounds like you wanted to ahead and cancel the cheque?

utterance: Yeah.

utterance: Yeah. I'd be more than happy to help with that today. Can I start by getting your full name and your date of birth?

utterance: Sure. my name is Lora Garrett. L O R A. G A R R E T T. And my my birthday is December seventh nineteen eighty-four.

utterance: OK. December seventh nineteen eighty-four. OK Lora. I am gonna go ahead and pull up your account. Can I start by getting the credit card you have on file?

utterance: I I guess so. The credit card is two eight four four two eight four five one eight nine one four seven two six.

utterance: OK. And just to clarify that was two eight four four two eight four five one eight nine one four seven two six?

utterance: Yes.

utterance: OK great. So I am gonna go ahead and pull up your account but before we can proceed any further, I need to ask you a few security questions for the safety of your account.

utterance: OK.

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

utterance: Sure. It is nine one four seven.

utterance: Nine one four seven. OK great. And when you set up your account you created a few security questions. I'm gonna go ahead and ask you those now.

utterance: Great.

utterance: What was your childhood best friends name?

utterance: it's Jackson.

utterance: And would you mind spelling that for me?

utterance: Yeah. J A C K S O N.

utterance: OK. And what is your mother's maiden name?

utterance: Coincidentally, it's also Jackson.

utterance: Oh wow.

utterance: Same spelling.

utterance: Same spelling. OK great. Thank you Lorna Lorna Lora. Sorry, it's been such a long day. thank you Lora for verifying that information for me. I am able to pull up your account so give me just one moment.

utterance: OK. Thank you. It's been it's been a long day for me too. I should have taken care of this earlier but you know how things always get pushed to the last minute.

utterance: Yes. I completely understand. OK so I do have your account in front of me. Let me go to your checks. Let's see. Do you have the date that you wrote this check?

utterance: yeah it was about a month ago, so October fourth.

utterance: October fourth. OK. Let me. Give me just one moment.

utterance: But would you guys be able to see it if it if if he hasn't cashed it yet?

utterance: yes we we are able to see it because you you did you cash it at one of our. I mean did you write it at one of our banks?

utterance: I did.

utterance: OK. We should be able to see that in the system.

utterance: Was there a fee for canceling it?

utterance: no there isn't a fee.

utterance: Great. Thank you.

utterance: OK. So let me see. You said around October fourth?

utterance: Yeah.

utterance: OK. So it looks like on October fourth there were three cheques that were written. There's one to Diamond Brothers L L C. There's another to Jones Anderson. And there's one more to Nancy Drew.

utterance: Oh. Yeah it's Jones. You need to cancel that one.

utterance: It's that one? OK. I'm making a note and I'm canceling it in the system. OK. I did go ahead and cancel that. You should be receiving an email from us shortly to your email on file. Just, you know giving you a confirmation that that cheque was in fact canceled and won't be able to be cashed going forward.

utterance: Amazing. Thank you so much.

utterance: Of course. Is there anything that I can help you with while I'm on the line?

utterance: No. No. Thank you.

utterance: OK. Great Lora. Well if there's nothing else, you have a lovely day and we look forward to serving you in the future.


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

utterance: Hey, Eve, how are you doing today?

utterance: I am doing very well. How about yourself, sir?

utterance: Honestly I'm tired.

utterance: Oh I hear you.

utterance: Very tired.

utterance: Yeah.

utterance: But part of the reason I'm tired is due to frustration.

utterance: Oh no.

utterance: very frustrated with my current bank. I've been a customer there for years. I've been trying to be loyal. and I'm just. I I I'm tired of you know getting hit with fees for this and fees for that and they're just not very convenient and I'm just overall just not a satisfied customer.

utterance: Mhm.

utterance: OK.

utterance: Anymore. not that I ever truly was.

utterance: Oh no I'm so sorry to hear that.

utterance: Yeah so. I, I wanted to I, I've been seeing a lot of advertisements for Intellibank and I wanted to see what type of information or documentation you need from me to make the leap and make the transfer and make Intellibank my new home for my business.

utterance: Oh that sounds awesome. All right so we need your business license.

utterance: OK.

utterance: Two need, two years of your personal tax returns, two years of business tax returns, and two years of your year-end financial statements.

utterance: OK. That's not too bad at all.

utterance: OK. All right and so do you want me to go ahead like and set up an application for you?

utterance: Yeah. I I mean like with all that I mean, take me some time to get all that you know the tax documentation together. like do I, do I fax that over? Do I email it over? Is it easier just for me to bring that all into a location or?

utterance: OK.

utterance: Of course.

utterance: Yeah.

utterance: Well you know what, we can do it however you like to do it. We, at Intellibank our main purpose why our CEOs started Intellibank was to help business owners. They were small business owners themselves and they never. When they first started out they just didn't know what to do and they yo know they were shot down, they lost a lot of money, they actually went bankrupt, and their mission is to help small business owners not just survive but thrive and be happy and be have business you know business that you can be proud of we're here for the small business owner.

utterance: OK.

utterance: Oh we appreciate that, trust me.

utterance: So.

utterance: we want to accommodate you. So if you wanna do it through fax, we can do that. If you want email we can do that. If you want to set up an appointment at one of our local branches close to you and just come in and sit down face to face, a lot of our small business owners love to come in and chat with the Intellibank staff in person. We have delicious coffee we have donuts. We actually have pretzels. We have like those soft pretzels that we warm up for our customers. We have home baked cookies. We, you know, we have seminars also. We

utterance: All we need now is

utterance: A barbeque. I'm, I'm hungry. I'm fat. I'm I'm coming over.

utterance: We do that.

utterance: We actually have barbeques throughout the summer at our, you know, locations across the country for our customers. We do offer free seminars for or small business owners like ninety eight percent of them are free. You can sign up for them in your area. We just want to help. And our owners, honestly, the reason why I love working for this company is because they really do care. and so can I send you over the start of the application? I can send you a, the link of all the documents you need to get you started.

utterance: Yeah. please.

utterance: Doing a

utterance: Kickstart.

utterance: Please do. I, I'm ready. I'm ready to make the jump.

utterance: OK. What is your email?

utterance: It is J.

utterance: Mhm.

utterance: Ortello. O R T.

utterance: Mhm.

utterance: E L L O.

utterance: OK.

utterance: Nineteen eighty-one. at Gmail dot com.

utterance: OK.

utterance: OK and is the J capitalized or?

utterance: Yes it is.

utterance: OK so OK and then if I can I'm gonna fill out just a little bit of the information in case you do really wanna go ahead with us. What is your social?

utterance: the social is one seven nine.

utterance: OK.

utterance: One one.

utterance: Mhm.

utterance: Two zero seven six.

utterance: OK and what's your date of birth?

utterance: my date of birthday is August nineteenth.

utterance: OK.

utterance: Nineteen eighty-one.

utterance: All right and what is your personal address?

utterance: the personal address is eighteen oh eight.

utterance: Mhm.

utterance: Henry Drive.

utterance: OK.

utterance: And that's Rowan Oak, Virginia.

utterance: Mhm.

utterance: Two three oh four one.

utterance: OK and I'm gonna send that link over. They'll be a list of the documentation that I just told you about. It'll be a reminder list.

utterance: OK.

utterance: And in the link, there'll be like a portal that you can upload everything back to us and send it back right away.

utterance: OK.

utterance: if you could, is there any way that you can check to make sure that you received the link I just sent because we've been having some trouble with our servers this morning and I would hate for you to have to call back and explain everything again. To another agent. Is there a way you can check real quick?

utterance: Yeah if you just hang tight let me

utterance: Yeah.

utterance: Pull it up on my laptop real quick.

utterance: Absolutely, take your time.

utterance: OK thank you.

utterance: OK I'm back.

utterance: OK.

utterance: Yeah it's, it, it looks like it's here.

utterance: Oh great. OK perfect. All right well get started on that and if you ever need anything in between call us back, if you know, if need anything. Our, our customer service line is open until eight p.m. eastern.

utterance: Well thank you so much. I really, truly appreciate that.

utterance: Thank you so much and we'll be in touch.

utterance: Sounds good.


utterance: Hello, and thank you for calling Intellibank. This is Jameson. How may I be of assistance to you this evening?

utterance: Jameson, my name is Martha and I I got a letter in the mail saying that I could possibly open up another portion of my account here with you so I was wondering if you knew what that might be?

utterance: OK. Well you're a current customer with us?

utterance: Yes, I am.

utterance: OK, let's start by pulling up your current account.

utterance: OK.

utterance: All right. So to do that, I am going to need your first and last name. As it appears on your current account.

utterance: Mhm.

utterance: So my first name is Martha and my last name is Bagakat.

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

utterance: My date of birth is May eleventh, nineteen ninety-one.

utterance: OK. And I'm gonna need your social security number and your drivers license or state issued identification number.

utterance: OK. Six two zero three two four one two. And D seven four eight two one seven nine. And will you need my email address or my my home address?

utterance: I will eventually need both of those things but we're not quite there just yet.

utterance: OK.

utterance: All right.

utterance: but I am going to need the four digit security code in order to get into your account.

utterance: Seven seven eight two.

utterance: All right. This is just loading, give me one second.

utterance: OK.

utterance: Are you about done with your work day?

utterance: Just about.

utterance: Perfect.

utterance: How about yourself?

utterance: Yes, this is the last task I have for the day.

utterance: Well, I'm seeing here that you have our Intellibank Smart Savings Account.

utterance: Yes.

utterance: Yes.

utterance: Would you like to open up our checking account?

utterance: I sure would.

utterance: I believe it looks like that's the offer that we sent you there in the mail.

utterance: Yes. Is it free?

utterance: It is free, yes. There are no services with the Intellibank Smart Checking Account.

utterance: Perfect.

utterance: Great.

utterance: All right. So I just need you to confirm a couple of things. starting with your business's name.

utterance: OK.

utterance: Yes. That's Golds Are Good For Me.

utterance: All right. And now is when I'm gonna need your email address.

utterance: So my email is Gold Is Good For Me at iCloud and my mailing address is one two four seven Gold Golden State Way in San Francisco, California one six zero four three.

utterance: All right.

utterance: OK. Now what I'm gonna need from you is to confirm that you're still the sole owner of the business.

utterance: Yes.

utterance: And I need your tax ID number.

utterance: Fourteen seven six.

utterance: And I'm gonna need your last year's annual gross.

utterance: Ten thousand dollars.

utterance: All right.

utterance: It's a slow year.

utterance: Yeah, it was a slow year for everybody. I understand.

utterance: Yeah.

utterance: OK. And I just need the establishment date of your business.

utterance: March twentieth, two thousand and seventeen.

utterance: Great.

utterance: Yeah.

utterance: would you like to move any money from your savings over to you checking?

utterance: Yeah.

utterance: And how much would you like us to move?

utterance: Four hundred dollars.

utterance: All right. So I am moving four hundred dollars from you savings to your checking account.

utterance: Thank you.

utterance: And to complete this and get you all up and running. I'm just gonna need to ask you your security questions.

utterance: Mhm.

utterance: OK.

utterance: What was your first pet's name?

utterance: Nike.

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

utterance: Goodwin Way.

utterance: All right. That went through. This is just gonna be a moment here.

utterance: OK.

utterance: And you are all set. You now have Intellibank Business Checking Account, your balance is four hundred dollars, and you will be receiving your checks and your ATM card within seven to ten business days.

utterance: Mhm.

utterance: Mhm.

utterance: OK.

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

utterance: No.

utterance: Not at all.

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

utterance: Goodnight.

utterance: Bye.


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

utterance: Hi Jess. I was calling to sign up for the gosh card.

utterance: are you talking about our gold card perhaps?

utterance: I'm not. I'm sorry. Let me get my glasses. Yes. Yes. Yes. Yes. I am. I'm sorry about that. Gold card. I'm calling to sign up about the gold card. yeah. I I got something in the mail and I just wanted to speak to a specialist.

utterance: OK.

utterance: OK. So I would be more than happy to set you up with one of our tax specialists today.

utterance: OK.

utterance: Can I start by getting your full name please and your date of birth?

utterance: Yes. full name is gonna be Willy. Hello?

utterance: Yes. Last name?

utterance: I'm sorry. I can't hear you. Hello?

utterance: hi. can I get your full name please? And your date of birth?

utterance: Yes.

utterance: Yes. Ready?

utterance: Yes.

utterance: OK. Having a bit of issue here. Willy Johnson.

utterance: OK.

utterance: And nickname is gonna be Big Willy. Address is gonna be thirteen thirteen.

utterance: OK. We.

utterance: Fourth Street.

utterance: We don't actually need your address at this time.

utterance: I'm sorry. I can't hear you. Hello?

utterance: We don't.

utterance: We don't. We don't actually need your address at this time but could I please get your birthdate?

utterance: I just gave you the address.

utterance: No. No. Your birthdate, sir.

utterance: Oh. I'm sorry. Yes. Absolutely. zero four twenty-four, nineteen ninety-eight.

utterance: OK. Four twenty-four, nineteen ninety-eight.

utterance: No. Eighty. I'm sorry. Eighty-eight.

utterance: Oh.

utterance: Nineteen eighty eight.

utterance: Right.

utterance: Right.

utterance: OK. Great.

utterance: Sorry about that.

utterance: No problem. I'm gonna go ahead and pull up your account. Can I get your credit card number please?

utterance: yeah. Sure. One second. I'm gonna. I think think my wallet's in the kitchen. Can you give me one second please?

utterance: Of course. Take your time.

utterance: All righty. OK. I got the card.

utterance: OK. I'm ready whenever you are.

utterance: I'm sorry. What was that?

utterance: I'm ready whenever you are.

utterance: OK. four four two seven one two six six six nine six seven two six zero five.

utterance: OK. And just to verify that was four four two seven one two six six six nine six seven two six zero five.

utterance: yep. That's that's it.

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

utterance: you need to get the security?

utterance: I just need to ask you a few questions for the security of your account.

utterance: Got it. Got it. OK.

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

utterance: to my car? You want the VIN number?

utterance: your PIN number.

utterance: To.

utterance: PIN as in P as in pencil.

utterance: Oh. Got it. Got it. four four nine three.

utterance: Four four nine three.

utterance: Yes.

utterance: OK. Great. And I'm gonna go ahead and ask you a security question that you set up when you created your account.

utterance: OK.

utterance: What street did you grow up on?

utterance: I'm sorry. Can you repeat that one more time please?

utterance: Of course. What street did you grow up on?

utterance: I'm really having trouble hearing you. Give me. Give me one second really quick. Hello?

utterance: Yes.

utterance: OK. Got it. What was that?

utterance: What street did you grow up on?

utterance: Yes. well I actually answered that the first when I gave you my name but you kinda cut me off. So now you need it. Third Street.

utterance: OK. That was correct. Thank you for verifying your information. I'm pulling up your account right now. OK. I have your account in front of me. And you wanted to go ahead and schedule a meeting with a tax specialist. Correct?

utterance: Sorry?

utterance: You wanted to schedule a meeting with a tax specialist?

utterance: Yes.

utterance: OK. I'm in our scheduler right now. What day and time works best for you?

utterance: Oh. can we. Can we do on the phone?

utterance: Yes.

utterance: OK. Then I can do any day or any time.

utterance: OK. So we have. Actually we have some availability this evening.

utterance: You know what? Can we do next Monday?

utterance: Yes. Let me look. One moment. OK. So we have availability next Monday starting at nine a.m.. Does that work?

utterance: Yeah. That's perfect.

utterance: OK. So I have you scheduled for next Monday at nine a.m. and you'll be receiving a phone call from us.

utterance: OK.

utterance: And what's the best number to reach you at?

utterance: Three. Are you ready?

utterance: Yes.

utterance: OK. three one zero.

utterance: Mhm.

utterance: Six two nine.

utterance: Mhm.

utterance: One two five five.

utterance: Mhm.

utterance: OK. And that was three one zero six two nine one two five five.

utterance: Yes.

utterance: OK. Great. You can be expecting a call from us. Is there anything else I can help you out with?

utterance: No. That's that that should do.

utterance: OK. Great. You have a lovely day.

utterance: OK. Thank you. Have a good one.

utterance: Thank you.

utterance: Bye.