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

utterance: Yes I I need to add some to my business account.

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

utterance: It's Jill Baker.

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

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

utterance: OK Jill so who are we adding to the account today?

utterance: We're going to add my assistant to the account.

utterance: OK. And what kind of access to your account would you like for her to have?

utterance: So she will just mainly make a few deposits for me and and maybe withdraw some cash for for the business every chance when we need it. Not not very often though.

utterance: OK. So what we can do is we can add her as a delegate on the account. And that way if she needs to makes deposits for you or withdraw she's authorized. Would you like to do that?

utterance: So when you say delegate, does that mean that she can make changes to my my account or she can just do things on my account on my behalf?

utterance: Yeah. So that is correct she will have limited access to the account. But can make deposits or withdraws within a certain threshold threshold on your behalf.

utterance: OK than yeah. Let's add her please.

utterance: OK Jill. I'm just gonna need to get some information from you. Is this a business checking? Or a savings account?

utterance: It's my business checking account.

utterance: OK. So for delegates on the account there's a threshold for how much that dele-can delegate can withdraw without the account holders permission. So the threshold is five hundred dollars. So if she tried to make a withdraw exceeding that then the bank would call for authorization before she is permitted to do that. There is also a daily limit. so it's not this is also a daily limit so it's not per transaction. So for example she wouldn't be able she wouldn't be able to go to the bank drive-thru and take out five hundred and then go to an ATM and withdraw. It's just a one time amount for each day.

utterance: OK then so she can only withdraw five hundred dollars is what you're saying no matter no matter what the situation is unless someone calls me.

utterance: Yup. That's correct. So unless she gets we unless she gets authorized by you which would be them calling and verifying your PIN and all that good information unless she can get authorized that way then she would not be permitted to take out more than five hundred dollars a day.

utterance: OK. Then that that should be fine. That's perfect. Let's go ahead and add her.

utterance: OK. What is your account number Jill?

utterance: If you'd give me just one second I need to grab that. Give me just a second to get my statements. OK. So it's three four six, zero two nine nine eight.

utterance: OK Jill. What is the name of the business?

utterance: It's Johnson Controls.

utterance: OK Jill. What is your date of birth?

utterance: That would be March second of nineteen eighty.

utterance: OK Jill. So it looks like your account has a four digit PIN number on it. For security purposes could you share that PIN number with me as well?

utterance: Yeah so it's six four seven eight. And then the last four of my social that's three three zero nine.

utterance: OK thank you. I'm I'm not gonna need the last four of your social but just your PIN OK. I have your account up I'm gonna need to get some information for your secretary now too. What is your secretary's first and last name?

utterance: So it's actually my assistant but yes her name is Sandra Miller.

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

utterance: It's April eighth of nineteen seventy-six.

utterance: OK. And do you have a social security number for Ms. Miller?

utterance: Yes sorry six three seven, zero nine zero two, eight zero.

utterance: OK. And what about an address that we can add for her?

utterance: So her address I believe is three two zero Westin Place Kansas City Missouri and I think it's seven three eight two nine.

utterance: OK. And do you have a driver's license number for her? And also the date of issuance?

utterance: Yes her driver's license number is eight nine three, seven zero zero two zero zero. and it's Missouri I believe. Yes it's Missouri.

utterance: OK. And can I get an email for her?

utterance: Yes her email is S Miller at Johnson Controls dot com. So it's S as in Sandra Miller at Johnson Controls dot com.

utterance: Thank you for that. And would you like to add a four digit PIN number for her? This will just help differentiate between who is responsible for certain activity on the account.

utterance: So she can change that though? If she wants to later on is that correct?

utterance: Yes she can change it too. She's just gonna have to provide the one that you create for her today. to be able to do that later on. So basically she can go to any branch. Or she can call us over the phone as long as she's she's got that authorization on the account. She'll just provide her PIN number and then we'll get her we'll get her new PIN number set up for her.

utterance: OK so then for right now let's just do four zero zero nine for her PIN OK?

utterance: OK. Give me just a moment I'm gonna add her to the account and I'm gonna get that PIN set up.

utterance: OK. No problem. is it raining where you are?

utterance: I have not looked outside recently. But I did hear a thunder earlier so I know that it was storming for a while this morning. But I don't know if it's still raining.

utterance: Yes so it's pouring here on the north side of town. there's standing water on the parking lot. It's kind of insane there's like a huge pool under the middle of the parking lot.

utterance: Yeah I know they said it was supposed to rain most of the afternoon. so I mean it it's seems like there's probably gonna be a lot of accumulated water.

utterance: So I know we definitely needed the rain but it looks like it's gonna start flooding some things if we don't get it you know get it to stop soon. It's just my parking lot it just looks I mean it literally looks like there's a little lake in the middle of it.

utterance: Well hopefully it stops soon. Are you in a low area? Do do you have to worry about flooding there?

utterance: So our parking lot is low land. But our offices they stay higher on the hill. so our parking lot may be a concern. But I don't think we'll have to worry about anything with our building but the water is accumulating quite a bit right down the center of the parking lot. But I don't think it'll be an issue for the actual offices.

utterance: Well let's hope it could stop for you soon Jill.

utterance: Thank you I appreciate that.

utterance: OK Jill. So I've added her to the account. And I've got that PIN number set up. Can I ask you really quickly here, do you have an online banking account with Intellibank?

utterance: Yes I do.

utterance: OK Jill. Well I also wanted to let you know that if you choose to give Sandra access to your online banking you can go to customize her permissions on that account. By using your PIN number for the account. And this way that she can conduct the limited online transactions for you if you choose to let her that do through the online banking.

utterance: OK thank you. That's helpful.

utterance: All right Jill. Well we got her set up for now. Was there anything else I could do for you?

utterance: No I don't think so. That was everything. I appreciate it.

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


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi I have received something in the mail and I just kind of want a good little information about it,

utterance: OK. I'll love to help you out with that. Can I start by getting your full name and date of birth?

utterance: Yes, it's gonna be Kenian Buckleey

utterance: Zero four twenty-four nineteen ninety-two.

utterance: Two twenty-four nineteen ninety-two.

utterance: Yes.

utterance: Is that Buckle spelt B U C K L E?

utterance: B U C K L E E Y.

utterance: Oh. OK. Great. Got that. Sorry about that.

utterance: Well It's just pronounced Buckle.

utterance: Off course, OK. I'm gonna pull up your account. Can I start by getting your credit card number?

utterance: Yes. one second I think I actually misplaced it, gimme, I'm sorry one second please OK. I found it. I'm you ready, are you with me? Yes. So, so OK, I can give you the card number. I'm doing this for like you know a little side business that I wanna enquire about me personally, like I've always wanted to start my own business. Just kinda taking the leaps of faith now you know I'm sorry card number right?

utterance: Yes. Whenever your ready.

utterance: OK. No problem no problem five five there eight four eight two seven two nine two nine five three three three.

utterance: OK. And just to confirm, that's five five three eight four eight two seven two nine two nine five three three three.

utterance: Correct.

utterance: OK. Great. I'm pull up your account but before we can proceed any further, I need to verify some security information for your account.

utterance: OK.

utterance: Can I go ahead and get your PIN number, please?

utterance: Yes. PIN number is going to be zero four ninety-nine.

utterance: Zero four ninety-nine.

utterance: Yes.

utterance: OK I'm gonna go ahead to ask you just a few security questions.

utterance: OK.

utterance: What city were you born in?

utterance: Las Vegas.

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

utterance: Geralinea.

utterance: Geralinea. Would you mind spelling that for me?

utterance: Sure. G E R A L I N E.

utterance: OK, great.

utterance: A.

utterance: Got it. OK. I'm pulling up your account now, thank you for verifying that information.

utterance: Absolutely.

utterance: OK. Just one moment. OK. I have your account in front of me. You said you are calling to get some information about something you received in the mail?

utterance: Yes. I I received a mail from you all Indeli Bank systems in.

utterance: Intellibank.

utterance: I think? Is that what you received?

utterance: Yes. I'm sorry Yeah. so I I received a mail from you all and I wanna set up a meeting with a tech specialist yeah.

utterance: OK.

utterance: I think the notice you are referring to is that we had an increase in the rate, So, I will get you set up with someone. let me pull up our scheduler. OK. I'm in the scheduler right now. Is there a specific day that you wanted to have this meeting?

utterance: just tryna figure out some business things.

utterance: Of course, take your time.

utterance: Give me one second. Checking my calendar here. Mm. How is tomorrow?

utterance: Ok. Let me check for you tomorrow. One moment OK. I'm looking in the system and we do have a few available slots. Is there a specific time of the day when you can have this meeting?

utterance: Yeah. Let's do ten a.m..

utterance: OK. You're in luck we do actually have one at ten a.m..

utterance: Nice!

utterance: OK. Perfect. So, I'm scheduling you for ten a.m.? Would you like this meeting to be by email, by phone, or in-person?

utterance: I can do phone.

utterance: By phone. OK. And is this the best phone number to reach you at?

utterance: It sure is.

utterance: OK. Amazing, So I'm scheduling that for you right now and you'll be speaking to Shawn James.

utterance: OK. That works for me.

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

utterance: I do have a follow-up question.

utterance: OK.

utterance: Now, I'm looking at this piece of mail here and how long does this special, how long is this special lasting? Just in case something pops up.

utterance: The special Is just lasting until the end of the month.

utterance: OK. Got it. OK. That's pretty much it.

utterance: OK. Great. Is there anything else?

utterance: No. That is it. I'm looking forward to it.

utterance: OK. You have a great day.

utterance: Thank you, you too.


utterance: Hello thank you for calling Intellibank. My name is Charlotte. How may I help you tonight?

utterance: Hi Charlotte. I'm trying to get into my account and I haven't been able to unfortunately. I tried to make an account online, but for some reason the link that one of the ladies sent me earlier keeps sending me to a page that says it's invalid. Like invalid entry or something like that.

utterance: Oh my goodness. I'm sorry to hear that. It. It's possible the system is doing a maintenance update. Unfortunately that that leaves you out of the loop. So I am happy to assist you tonight. I can just ask you a few questions, so I can pull up any account information or what is it that you were looking to do tonight?

utterance: I need to update my street address.

utterance: Oh OK. Well that's definitely something I can help you with tonight. And when I pull up your information if you have any questions about accounts, I would be happy to assist you with that as well.

utterance: OK.

utterance: OK.

utterance: All right Sir what is your name?

utterance: Charles.

utterance: Hi Charles. Nice to talk to you tonight.

utterance: You too. How's your night going?

utterance: Oh it's great. Yeah. Having. Having a wonderful today. How about you?

utterance: I'm a little tired, but you know, still alive still kicking.

utterance: Not working on that website that's not at giving you access could be really tiring.

utterance: Yeah. So can this four year-old I have.

utterance: Oh you're a dad. That's wonderful.

utterance: Yeah.

utterance: Charles, what is your last name?

utterance: Dover.

utterance: D O V E R?

utterance: Yes.

utterance: OK and Charles what is your date of birth?

utterance: June twenty-seventh, nineteen ninety-two.

utterance: OK. All right, got that and the pin number to access your information?

utterance: Oh six, five, nine, seven.

utterance: Six, five nine, seven.

utterance: Yes.

utterance: Ok very good. Let me just review your information here.

utterance: OK.

utterance: Cuz the. I just want to verify the address that we're changing. I see that you have our Silver . Our Business Silver Credit Card, as well as our Business Preferred Checking, and your real estate loan, and it looks like all the addresses are the same on here. So we'll be taking out the addresses on all of those accounts and updating it. Is that correct?

utterance: Well, it's just one address that I'm updating But.

utterance: Oh right I just meant that I'll all the accounts that I see here are linked to the same address. So I was just seeing if we're updating just one address or any other addresses for a different account?

utterance: Yeah, no just one address.

utterance: OK. Sorry to be confusing but sometimes people have statements sent to one address for one account and to another. So I just want to make sure everything is the way you want it.

utterance: Got you.

utterance: Ok. So I see here your old address. Is on Dover Street. So we'll be taking that one out, correct?

utterance: Yes.

utterance: All right and when your ready, go ahead and let me know the new address.

utterance: It's eight seven two Brownsville Avenue that's in Newport Beach California. And the ZIP code is nine one eight seven zero.

utterance: OK and let me just confirm Brownsville is spelled B R O double W N.

utterance: S.

utterance: S V I L L E?

utterance: Yes.

utterance: OK great. So that's eight, seven, two, Brownsville Avenue in Newport Beach, California. Nine, one, eight, seven, zero.

utterance: That is correct.

utterance: OK. So give me just a moment. I'm gonna to take out the old address and then I'm gonna to input the new one and then I will be able to confirm when that's done. So just one moment please.

utterance: OK.

utterance: OK. Oh I just realized your last name is Dover and you lived on Dover Street. What a coincidence there.

utterance: Yeah.

utterance: It was . I mean kind of. I I I saw the street and I was trying to decide between this one property and another and I don't know I guess you know I guess when you see your last name on a street sign it just feels like a he's calling you, you know?

utterance: Yeah.

utterance: It's calling to

utterance: You. Well you're keeping your last name, but I have removed the Dover Street address and I have updated it with the that new address that you just gave me. An email will be automatically generated to you, to let you know of this change. It will also have a confirmation number in there. However, if you'd like I can also provide you that confirmation number right now too.

utterance: So yeah.

utterance: No, that's fine. An email is great.

utterance: OK great. Yeah, that's how I like to do it too. All in the same place. All right. Well, is there anything else that I can assist you with tonight with any of your accounts or anything else?

utterance: No, I think everything's squared away now.

utterance: Terrific. Well, thank you so much. It's been a pleasure talking to you tonight Mr. Dover.

utterance: likewise. Enjoy your night.

utterance: Thank you. Thank you for calling .


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

utterance: Franklin That's that's a good name

utterance: Thank you sir.

utterance: Yeah, you don't see many people with those names nowadays. I I I'm just calling because you know I'm yeah I you know I run a I run a construction company and you know there's a lot of machinery that I'm trying to pick up new machinery just to update my old ones and you know it's a lot of money especially since the pandemic started. so just trying to get one of those five oh four loans I think they're called to to sort of supplement you know my machinery purchase costs.

utterance: Our SBA five oh four?

utterance: SBA five oh four yeah yeah yeah that's it.

utterance: Great.

utterance: and are you already an existing Intellibank customer?

utterance: I am.

utterance: Fantastic. So I think the the best thing to do here is for us to pull up your existing account.

utterance: OK.

utterance: And then if you'd like we can move forward with applying for that loan.

utterance: Cool.

utterance: Great. And what was your full name as it appears on the account?

utterance: My first name is Rupert.

utterance: Alright. And your last name?

utterance: Gabes.

utterance: Alright Mr. Gabes and what is your date of birth and the last four of your social security number?

utterance: date of birth is March tenth nineteen seventy-three. And social last four you said?

utterance: the last four please yes. Thank you.

utterance: OK.

utterance: Yeah you asked two questions so Last four is one one zero nine.

utterance: Great and then finally in order to pull up your account I'm gonna need your four digit security code.

utterance: Okay two two five six.

utterance: Alright I've got your account all pulled up here. Great so that was the SB five oh four loan.

utterance: Okay.

utterance: and now that I'm in your accounts I'm just gonna need a couple more pieces of information and I can go ahead and submit that loan application.

utterance: Okay.

utterance: So I'm gonna need you to confirm your email address that we have on file.

utterance: the email address I have I have on file should be R Jeremy at Gmail dot com.

utterance: all right I got that and what is the address that we have on file for you?

utterance: should be the my most recent address five Park Avenue Boston Massachusetts. Two one five seven six.

utterance: Great. Thank you for that. And what is your business name?

utterance: The business name is Jeremy Construction LC registered in the Commonwealth of Massachusetts.

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

utterance: I am.

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

utterance: it was established originally on June fourth nineteen eighty-one.

utterance: all right and I need your tax ID number.

utterance: Okay. six three six three two two three zero A four.

utterance: Alright and how much were you looking to borrow?

utterance: So I'm looking to borrow probably in the range of ten thousand dollars.

utterance: Okay two thousand dollars.

utterance: Ten thousand dollars.

utterance: Ten thousand dollars?

utterance: Yeah yeah.

utterance: I am very sorry about that.

utterance: It's okay.

utterance: That is one zero zero zero zero?

utterance: That's right.

utterance: Alright. Ten thousand dollars and what are the purposes of this loan? I know you said but I need your actual stated purpose.

utterance: Yeah it's it's to purchase new equipment. I I chose the five oh fours because I know that you know it's a loan that specifically covers large equipment purchases and and what not so.

utterance: Okay. then I'm gonna put down equipment purchase and that is that so you will get a decision on this loan in seven to ten business days via email or a letter sent to your address. is there anything else I can help you with today?

utterance: no I think that's about it. I look forward to you know hearing back from the decision of the loan.

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

utterance: Great. Thank you so much.

utterance: Bye.


utterance: Hey. This is Stephan of Intellibank. How may I help you today?

utterance: Hi Stephan I was calling to get a loan statement from you guys.

utterance: A loan statement? OK.

utterance: We have one of your transportation loans.

utterance: OK, yeah. OK. now before I do that may I get your your full name and your date of birth?

utterance: Yes. It's Kara Peters. And that's K A R R A. Peters. P E T E R S.

utterance: Mhm okay.

utterance: And date of birth is July ninth nineteen ninety-one.

utterance: OK, and let me get the account number.

utterance: Okay I actually don't have that information in front of me.

utterance: Mhm.

utterance: so I'm gonna need just a minute to look for that. Is that okay?

utterance: Yeah yeah.

utterance: OK.

utterance: OK I think I I got the information.

utterance: Okay perfect.

utterance: Okay so the first one is gonna be four zero six zero four two five five and then the second account is four zero six zero four two five nine.

utterance: OK well I only need the one. which one is that you need the help with?

utterance: Oh oh, of course it's four zero six zero four two five five.

utterance: Got it, okay and for security purposes, what is the the four digit PIN?

utterance: OK, that is one five one two.

utterance: One five one two it's not that one. That might be for the other account, or.

utterance: Oh.

utterance: OK, you're right. You're you're right. You're definitely right. the other one should be seven one three zero.

utterance: Seven one three. Yep, that's it. All right, so can you relay back to me what you're trying to get back today?

utterance: I'm trying to get the statement for my transportation loan.

utterance: A Oh your auto loan.

utterance: OK, yeah. Yes, we can do that for you. you need it by email or you need it by mail?

utterance: Oh, yeah. Yeah.

utterance: If we do it in the mail we we're still going to get it every month, just like email.

utterance: Mhm, yeah that's right.

utterance: Okay is there anyway that we can do both?

utterance: Yeah, absolutely. I just gotta, one click away from that.

utterance: Of course, and can I double check what email you have on file?

utterance: It is K baby twenty-three at AOL dot com.

utterance: Yeah it should be K baby twenty-three at Gmail dot com.

utterance: Oh at Gmail, okay let me change that really quick.

utterance: Okay and for physical address, you're still at seventeen forty-two Berlin Street?

utterance: Mhm.

utterance: Okay, all right.

utterance: Did you get did you get the apartment number is that on there?

utterance: Oh no, there's no apartment number.

utterance: Oh, it's it's apartment one oh seven.

utterance: One oh seven.

utterance: Good thing we caught that.

utterance: Yeah yeah, goodness Alright five oh seven. Good, so the email should be you should be able to get an email today could be few minutes, it could be a couple hours but you should definitely have it by today and then when it comes to the statement in the mail that will be about a week or so.

utterance: A week or so. OK, that works. So we're getting, we set this up. We're getting our loan statement. while I have you on the phone, I'd love to pick your brain about potentially getting a small business loan.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: Do you think that we'd be able to qualify for something like even though we have the auto loan right now?

utterance: Well your payments have all be on time with the auto loan, and you've been doing this for a good while. So I think you'd be just fine if you wanted to apply for that.

utterance: Okay and if and if we did want to go ahead and apply for that do we have to do it over the phone? We we hate making these phone calls.

utterance: Is it okay if we do it online?

utterance: You can start off online and then you know if you have any problems you can give us a call.

utterance: OK that works, that sounds pretty easy and is that at that's Intellibank dot com?

utterance: Mhm, that's right.

utterance: OK well you've been really helpful I think I think that's all for me today.

utterance: Sure there's nothing else I can do for you?


utterance: Thank you for calling Intellibank. My name is Tom. May I help you?

utterance: Hey Tom, how you doing today?

utterance: I'm great, thank you.

utterance: Got a problem.

utterance: Mhm.

utterance: And I'm hoping that you guys over there at Intellibank can help me out. My mother in law has been using my card. And I I gave her permission to. It's not like she's been stealing it. but it's time to cut her off. So I don't, what I don't want to do, is I don't want to have to cancel the card.

utterance: Mhm.

utterance: I'd like to keep the card active. is there another way to I guess stop her from using the debit card?

utterance: yes, absolutely. I mean your you have two copies of this card? She has one and you have one?

utterance: Ah, she keeps taking the card. I keep leaving it out, she takes the card. She knows the pin. So she's able just to go out and, and use it and I want to stop her. But I also at the same time don't want to give up the card.

utterance: Ah, the cards all set on all my online stuff. So I don't want to change the card number.

utterance: Mhm, right. Well you could just change the pin number.

utterance: Yes!

utterance: Yeah, that's great. Let's do that. Let's change the pin.

utterance: OK. Great. can I ask your name please, sir?

utterance: yeah. It's Bob Middleton.

utterance: OK Mr. Middleton Is it Robert I?

utterance: no it's just Bob.

utterance: OK excellent Middleton.

utterance: Great. Can I get your pin for your account?

utterance: Yeah, it is four two four two. Very easy to remember.

utterance: All right. so OK. I just need to confirm your identity by getting your date of birth, please.

utterance: it is four seven eighty-two.

utterance: OK. All right. Thank you Mr. Middleton. do you have the physical card in front of you that you are trying to change the pin number for?

utterance: I do, yeah.

utterance: OK. Can you please give me the entire account number please?

utterance: Yeah, that's four six seven nine three two four five eight three six seven.

utterance: I'm sorry. Could you redo the last eight numbers, please?

utterance: Absolutely.

utterance: It is three two four five.

utterance: Mhm.

utterance: Eight three six seven.

utterance: And then there should be four more. Sixteen total.

utterance: Ooh, sixteen total. Oh, OK. It's seven seven eight two is the final four. Sorry about that.

utterance: No problem.

utterance: Great. Sometimes it's written a little different. So yes, OK.

utterance: I have your account number here. OK. Yes, I see this card. can you please provide to me your old pin number?

utterance: yeah. It's four two four two.

utterance: Oh, it's it's the same as for your card as well?

utterance: Mhm.

utterance: OK. Great.

utterance: I should probably change both, to be perfectly honest with you. But let's just do the card today.

utterance: OK great

utterance: Now that I've told you that it's the same for everything that I own.

utterance: Well yes it's good to use a little bit of variety so that your trusted friends don't steal everything. But yes I can easily change the card PIN so I have in the system made it so that you can enter your PIN number. I see you are not online, you are just calling in. Did you know that you?

utterance: Yeah, I'm

utterance: Not a fan of the online.

utterance: OK.

utterance: that's fine.

utterance: but if you ever did need to change your pin you can do it through the online system. if you ever were interested in doing that. Or if you couldn't reach the phone.

utterance: Good to know.

utterance: But since I have you on the phone. your keypad on your phone is going to be where you type the new pin so I don't know what it is. So now anytime you would like to type in your pin, you're going to do this twice. And so just pick any four numbers. And that'll be your new PIN so go ahead and enter that in now.

utterance: All right.

utterance: There we go.

utterance: OK. Great and if you can just do it again to confirm.

utterance: Sure.

utterance: And there we go.

utterance: Excellent. So now your pin has been changed for this card.

utterance: if your mother tries to use it, she will not be allowed to. But also you might want to let her know that you made this change. Because if she tries the wrong pin too many times it might shut down your card. So

utterance: Perfect.

utterance: Ooh.

utterance: It's true. So, I mean she'll figure it out eventually but she might not understand. So it would probably be good.

utterance: Yeah.

utterance: No, I.

utterance: Appreciate the advice but I'm probably not telling her.

utterance: Yeah.

utterance: OK.

utterance: Going to find out on her own there.

utterance: All right. Well please let us know if you ever want to make another change to anything. Or if you want to change your account pin at some point.

utterance: All right.

utterance: Yeah, I will I will let you know. But I think I'm all good today.

utterance: OK. Great. well tank you for calling us today. And please call us again some time soon.

utterance: Great, thank you very much.

utterance: Have a great day.

utterance: You too.

utterance: Bye.


utterance: Hi, thank you for calling Intellibank. My name is Mark and I am here to help you with all your customer service needs. First of all, let's get your first name and last name and I can go ahead and start assisting you.

utterance: First name is Kasra. Last name Hoover.

utterance: OK mister Hoover can we go ahead and spell Kasra for me?

utterance: Sure it's K A S R A.

utterance: That's a beautiful name Kasra and Hoover I am assuming is like the Hoover Dam?

utterance: Correct.

utterance: All right Mr. Kasra Hoover. Here we go. Can I get your date of birth please?

utterance: Date of birth is January twelfth. Nineteen seventy-nine.

utterance: January twelfth nineteen seventy-nine. That's fantastic. And can I get.

utterance: Your pin number for the account?

utterance: Five four six five.

utterance: Five four six five. All right, thank you mister Hoover.

utterance: I am loading your account right now so we'll get a look at all your information.

utterance: Cool. yeah I think I actually can I ask you a question? I think I just want to make sure you have the right like I just like the address. I just moved recently but like I didn't actually move so my my sister's a realtor and she helped me find a spot. No OK hold on. No that's Ok so I need to update my address because I'm a I'm gonna buy a place and my sister is the realtor of the place. And she's allowing me to stay there even though I haven't technically bought it yet. But I'm gonna be hanging out there for a long time. I want but should I update the address there? Like OK no. I just OK so can we just check my account? Can you just tell me what's on my account? Phone number like everything? I need to like up date some stuff or.

utterance: Yeah we can go ahead and update some information for you. That's absolutely no problem at all. I know you mentioned your address and your phone number. which one would you like to start with?

utterance: OK.

utterance: Can you OK what what address do you guys have on file right now?

utterance: OK so the address that we have on file is two zero one zero Crescent Drive.

utterance: OK great I need I need to update that please.

utterance: OK.

utterance: And then I also yeah and my phone number too. I just need to do both of those probably.

utterance: OK so let's go ahead and do that address since I just confirmed your old address. And the new address would be whenever your ready.

utterance: OK it's one eight zero two Sycamore Road. L A nine zero zero three eight.

utterance: Fantastic and that would be California correct?

utterance: Correct yes.

utterance: Great. I'm going to go ahead and update that information for you. That's going to be your mailing address we'll send any.

utterance: Oh.

utterance: Oh can I ask you something? is. OK so I just gave you an updated address but I don't want any like physical mail. Like is there can I update I know sometimes on websites you can like say you just wanna go green and like all like electronic mail. Can I do that over the phone with you or?

utterance: Absolutely we offer paperless billing.

utterance: Paperless billing that's what you call it. Yeah.

utterance: That's great yes. And with paperless billing you also get a a percentage of discount on from your from your monthly bill. So you you save money by going paperless.

utterance: OK.

utterance: Cool. And then let's just and then let's do the number too, phone number.

utterance: Yes fantastic. So why don't you give me your old phone number so I can take that off the system and just confirm.

utterance: Cool it's eight one eight four two four six six one one.

utterance: OK fantastic and let's go ahead and add that new number to your profile.

utterance: Three one zero three two three eight nine nine three.

utterance: OK and just to confirm that is three one zero three two three eight nine nine three. Is that correct?

utterance: That is correct sir.

utterance: Fantastic. And when did you make this change to your when did you open this account?

utterance: Oh this accounts I've been with you guys for a minute man. maybe a year and a half. This account yeah.

utterance: Oh I'm sorry I ment when did you start the new phone.

utterance: Oh the new phone. this is I just got it man like two weeks ago probably.

utterance: OK so it should be it should be ready to go then for you. All right. so we have done this phone change for you. And we did an address change for you. would you like any more information about banking services to assist you with your financial needs?

utterance: no I'm OK.

utterance: All right. is th~

utterance: Oh.

utterance: Actually is. OK, so I'm thinking about getting an auto loan too you guys do auto loans?

utterance: We do offer auto loans. what kind of make and model of car do you have?

utterance: OK right now I have a Honda Civic. but yeah I just want a I think I just want a. What do you call it when you get a new like like or actually I wanna trade in my Honda Civic for like a Honda Accord. I wanna get a newer one. And I and I heard that it's best to like go into get like a auto loan like approved first with like a good percentage. with the bank before you go into the dealership. Because they'll usually like kinda charge you a higher higher rate. Do you know if that's true? Or do you know if I could do that with you over the phone or?

utterance: we can absolutely look at your account and see if you'll be approved for an auto loan pending a an examination of your of your of your finances. But it shouldn't be any issue at all. So I'll go ahead and put in that request and we will be in touch very shortly to let you know whether that auto loan has been approved.

utterance: That's great, thank you.

utterance: So other than that is there anything else can I that I can help you with?

utterance: No, that's it.

utterance: All right thank you so much. We appreciate your service.

utterance: Thank.

utterance: You.


utterance: Good morning this is Alex speaking Intellibank how may I assist you?

utterance: Oh well I called a couple of times now and I keep getting disconnected I think that's my phone. But I can't tell for sure so I hoping we can get this done very fast and I can get off this call and get back to what I have going on quite frankly I need to change my PIN. I'm hoping that is something you can help me with.

utterance: Absolutely sir may I get your first and last name please?

utterance: I already gave it to the last guy. You need it again it's not just in your system?

utterance: Sir I I completely understand where you're coming from but we are a large call center and so the agent that you spoke with previously may not have the same information that I do. So it's a.

utterance: Got you.

utterance: Got you, got you, got you. OK fine. it's Tom Francis.

utterance: Thank you Mister Francis and I apologize for the inconvenience so just so I have some basic information to verify your identity could you please give me your date of birth as well as your current PIN number the old PIN number.

utterance: I gave this to the last guy too like how many times am I gonna have to tell you guys this?

utterance: I apologize sir but it's like I like I said it's we are at different call centers and so this is just standard policy for the bank to connect you with different people so.

utterance: It's four twelve eighty-nine and my PIN is one two eight nine.

utterance: One two eight nine.

utterance: Yes my PIN is my birthday.

utterance: OK. And so just just to check in just to double confirm you did say that you did wanted to change your PIN is that correct?

utterance: Yes, yes, yes I don't know how many times I've got to say this.

utterance: OK.

utterance: I would like to change my PIN my ATM PIN if you need to get technical.

utterance: I understand Mister Francis and if you could just be just be a little bit patient with us and we understand that this this the call process must have been frustrating for you and

utterance: Very, extremely. This should be an easy thing. This should be one call.

utterance: OK Mister Francis so we do have your old PIN of one two eight nine. What would you like to change the PIN to?

utterance: I haven't even thought about this. Hold on let me check, it's yeah let me check with my wife hold on it's something we're gonna both be give me just hold on a second give me a minute.

utterance: Of course.

utterance: Alright we're gonna go I just I tell you the PIN?

utterance: That's correct sir if if you have decided on a a four digit PIN you can tell me at your convenience right now and I will be able to go ahead and make that change.

utterance: This is

utterance: Really the safest way to do this, I'm just gonna tell you what my PIN's gonna be and then you're gonna have my PIN?

utterance: Yes sir this is a secure line and we make effort to ensure that the information of this call is completely encrypted and secure.

utterance: Alright but if anything happens I know who has my PIN. It's gonna, we're gonna go with eight nine one two.

utterance: OK. Eight nine one two

utterance: Please hold for a second thank you.

utterance: OK well Mr. Francis it looks like that change has gone through effective immediately so what you'll be able to use the your new PIN your new four digit PIN at any ATM around the country.

utterance: Well it's about time I can tell you that let's let's hope you don't use it too.

utterance: That will not be the case sir we at Intellibank will want to ensure your personal safety, your security and the security of your small business at all times.

utterance: Yeah.

utterance: Please rest assured.

utterance: Alright well you have a nice day. Thank you bye.


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

utterance: Yeah, so I wondering if it was possible to get my February bank statement emailed to me?

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you're wanting that February bank statement emailed to you, is that correct?

utterance: Yes, that's correct.

utterance: All right and are you a business owner Jill?

utterance: Yes, I am.

utterance: OK Jill, is your account a checking or a savings business account?

utterance: So it's the preferred business checking I believe.

utterance: All right Jill. I just need to email, I'm sorry, I just need to verify some information with you. What is your account number?

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

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

utterance: I'm sorry, that's not my account number, that's my card number. I apologize. My account number's three seven eight, two nine five nine and it's Johnson Controls. That's the business name.

utterance: Ok, no problem, I'll get that corrected for you. And Jill, what is your date of birth?

utterance: So that's March second of nineteen eighty-two.

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

utterance: Yeah so that's five seven zero four.

utterance: All right.

utterance: And Jill would you like to enroll in paperless statements from now on? Or you just need the statement for February just this once?

utterance: So I just need it this once but I may enrolling in paperless later on if that's possible.

utterance: Yeah, any time you wanna change just give us a call back at Intellibank and we can set that up for you, OK?

utterance: OK, thank you. Have you been outside today?

utterance: Oh not since about seven a.m. when I came in today.

utterance: Yeah, sorry I don't mean to interrupt, but it's been really beautiful out. That's like seventy degrees out there, so it's really nice out there.

utterance: Yeah, I'm off in about an hour or so, so hopefully that holds up so I can enjoy some nice weather too.

utterance: Yeah, I went for run this morning. It felt really amazing out so I'm trying to get some inside work done but it's, you know I almost hate it because it's so beautiful out and I wanna be outside instead.

utterance: Oh well, hopefully we'll get this done for you really fast and then you can get back outside. Jill, can I confirm your email address real quick?

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

utterance: OK Jill, so I'm gonna go ahead and get this February checking statement emailed over to you. I did not enroll you in the paperless checking, but if you choose to do that at any time just let me know, we can get that done for you and get you switched over to that.

utterance: OK. So Jill, I do wanna let you know that since we are sending a a banking statement it will have some personal financial information on there.

utterance: What I'm actually gonna be emailing to you is it'll, it'll be a link in there, and that link will be to the email that you will, you will actually obtain through our online banking account.

utterance: So once you get that email there'll be a check, you'll have a check link in there for you to kinda go to your checking, your online checking account and then in the email section of your online checking account is where the actual email will be for this.

utterance: And you'll have to login for that.

utterance: And it's just for security purposes. Just to make sure that we can make sure that that financial information remains private. You can still download it from there. If you want to download the statement, you can still download it from there to your, to your laptop or computer or whatever you want to do with it in order to keep a copy of it. But it does have to go through that link.

utterance: OK, that's fine. So, so you'll email me all that though so I'll still have it?

utterance: Yeah, that's correct. I'm gonna email it to you right now. I'm getting it sent over. It looks like it's still sending.

utterance: OK, so it looks like the email when through there so you should have that here shortly.

utterance: And then I'm gonna get, go ahead and just put some notes on here too that this is just a one time a one time statement request so that they don't try to manually stick you in there for that paperless those paperless statements.

utterance: here we go, we've got that put in there for you.

utterance: I'm sending you an actually very soon but remember again because it's secure banking information it will require you to provide an Intellibank mobile banking login information to view those statements.

utterance: Was there anything else I could do for you?

utterance: My I just want to make sure though, so doing this February statement, it's going to have everything on it? As far as my check images, like for what I've written, will it include those check images or will I have to request those specifically?

utterance: Yeah, so your statement will not. It will have the check and then the reference number for that check. But in order to view that check you'll have to if you're looking at your online banking account via the the mobile web, you can do that and push on each one of those reference numbers and it'll actually pull up the check image. But on your actual paper statement part that you receive if you're going to download that it's not gonna have those check numbers. You'd have to go to each individual reference number and click on the the check link. Unfortunately unless we unless we mailed that to you we don't have a way to email those those check images. Is that something specifically you're wanting?

utterance: I mean not necessarily. There's a couple that I could actually that I could actually want. That to have just for reference but I guess I could just go print them off myself by clicking on the link like you said. Cuz it will allow me to print them if I do it on the online banking, correct?

utterance: Yeah that's right. so if you, once you go to that link and you go back to the statements you can actually click on the reference for the online banking and print those.

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

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

utterance: No problem Jill. Thank you for choosing Intellibank you have a good day OK?


utterance: Hello, thank you for calling Intellibank. How can I help you today?

utterance: Yes, hello. How are you today?

utterance: Very good, sir.

utterance: Good to hear. Good to hear. Yeah. I need to change my pin number for my business account on the My business owner account please.

utterance: Sure I can help you with that no problem. I'm gonna ask a series of questions to verify your identity.

utterance: OK. sounds great to me.

utterance: OK can I have your full name please?

utterance: Clarence W Pilsner.

utterance: Thank you very much and can I have your date of birth?

utterance: It's eight nine seventy-three.

utterance: Ok. Thank you very much for that and can I have the pin number on the account?

utterance: The the current one?

utterance: Yes.

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

utterance: OK. Thank you for that and can you please verify the security question on your account? It it is asking for your favorite pet.

utterance: My favorite pet Butch. Or Hold on. That was my old one. My new ones. I think should be fluffy.

utterance: OK. Thank you sir for that.

utterance: Yeah. Not

utterance: Not but it's Fluffy. Is that right?

utterance: Yes. Yes sir.

utterance: OK.

utterance: OK.

utterance: OK. Thank you very much. OK. So you wanted to request new pin?

utterance: Yes. On my business account. Do you need that number?

utterance: Yes sir please.

utterance: Business account is eight six one two three one four two five six eight two one two one two.

utterance: OK. Thank you very much for that sir. OK and just give me a second here.

utterance: OK. No problem. I know those computers run slow sometimes.

utterance: Yes sir. Sometimes they do. OK Well I have gone ahead and corrected that pin for you and could you verify your email address for me please?

utterance: Yeah. It's C Pilsner at Gmail dot com.

utterance: OK. Thank you very much for that and your address?

utterance: My current address is two eighty-nine French Street Ponington West Virginia two five oh eight one.

utterance: OK. Thank you very much.

utterance: And my knew passcode is gonna be eight six three four nine two.

utterance: OK. Thank you very much for that. Hold on one second while I change that.

utterance: OK.

utterance: Wonderful.

utterance: and both of those things have been taken care of for you today. and while I have you on the phone I'd like to ask you if you're familiar with our online banking services?

utterance: Yes. I that was my next question actually. I'd like to ask you about the online banking. and the mainly on my mobile app. How's it. How's it different from the desktop app? Is it pretty much the same thing?

utterance: It's pretty much the same. It it's just more convenient from your phone. It is linked to your desktop. So you can do things interchangeably. very easily and we also have the checkless deposit. where you can deposit checks right through the app.

utterance: What do you take a picture of it or something?

utterance: Yes you do take a picture of it and you send it on in through your account information and with your password and your email address and it goes right into your account. and we also offer different loan services. If your ever interested in that. I can set you up with one of our loan specialist. to go over any kind of business preferred loan or a secured loan. Or even a real estate loan, if that would be something your interested in.

utterance: Oh OK.

utterance: Small business in the future.

utterance: OK, sir.

utterance: And we're

utterance: Thinking about opening up another business.

utterance: OK sir. That would be great. Yes. I will. I will set you up with our specialist Angie she'll be more than happy to go over the interest rates and anything that would be of interest in reaching your goal for that business.

utterance: OK.

utterance: OK. Yeah, cuz my wife. She's been thinking about opening an adult bookstore. So that would be really great.

utterance: Oh OK sir.

utterance: shouldn't take that much money to get that started.

utterance: Yes sir, yes. Our loan officers will be more than happy to talk to you about that. At anytime and we also have an ATMs that are located close to you. Are you interested in trying to find those?

utterance: ye~

utterance: Yeah. I was wondering, are they at the Walmart?

utterance: Yeah there's one three miles away from you at the Walmart down Hickory Street.

utterance: I gotcha OK.

utterance: Twenty-four twenty-four hour access and you can go in at anytime of the store. Even if it's closed and access the the ATM.

utterance: Oh the one outside?

utterance: Yes and there's also an ITM feature we have a new ITM feature that you can actually go in get your account information through the ITM which is an automated person that comes on the screen even if you've lost all your information even if you don't have any access yourself. You can just give your driver's license information to her and she will be able to pull up your account at anytime. And she can handle some other business things for you that may be a little bit more convenient like you can change your PIN number at anytime. Or you can change your email address. Or you could even request a you know a new business card if you like.

utterance: OK yeah it's supposed to freeze up tonight too pretty bad. You better get ready so if you got anything out your flowers you better get them covered. there's gonna be a freeze warning going on tonight.

utterance: Yes sir thank you for that information.

utterance: It's a warning too, it's

utterance: Not a it's it's gonna freeze tonight so if you got anything out there get her in.

utterance: Yes sir, thank you much for that information. Is there anything else I can help you with today?

utterance: I guess that's about it.

utterance: OK sir. We wanna thank you for being a valued costumer of Intellibank and call us back if you ever have any questions in the future. If you need any more help.

utterance: Thank you and stay warm tonight.

utterance: Thank you sir.

utterance: Yes ma'am.

utterance: Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank, business and commercial banking division. This is Sam. How can I help you?

utterance: Yeah hey Sam. This is John Rivers at Loaves of Love.

utterance: Hi John, how can I help you today?

utterance: Well I was thinking of setting up a checking and savings account. But depending on how long the checking takes I might actually skip that savings account and just come in and check out your building so well let me check that bread. actually come to think of it I I how about I just start with the checking and we'll go from there.

utterance: OK I yep I can definitely help you with that today. I just need to get some personal information to get the account set up.

utterance: Yeah sure and like I said I don't mean to sound so flaky unlike our bread, which is the crust of the town.

utterance: it's just you never know like I got people coming in and out and we're just it's just busy right now.

utterance: I understand.

utterance: I mean the smell of fresh baked bread just brings them in.

utterance: I love the smell of fresh baked bread. Can't go wrong there. OK can I please get the first and last name?

utterance: That's John Rivers.

utterance: can I please get your street address?

utterance: is that for Loaves of Love or is that for my actual house address?

utterance: This would be for your personal address.

utterance: Well wouldn't you know it I love the smell of fresh baked bread so much that my home address is my business.

utterance: that's very convenient.

utterance: Yes. that's twenty-five twenty-five North Conch Lane North San Diego, nine oh two oh eight one.

utterance: And I assume this is California?

utterance: Yes.

utterance: OK. Thank you. can I please get your social security number?

utterance: Yeah that's five five eight nine three one eight eight one.

utterance: Thank you. Can I please get your driver's license number?

utterance: Yeah my driver's license is seven six three double X nine nine seven one.

utterance: I'm sorry, the last three was nine seven one?

utterance: yeah, nine nine seven one.

utterance: Thank you. And the state that issued the ID?

utterance: That was California.

utterance: OK. Can I please get a PIN?

utterance: yeah. Two five eight zero.

utterance: A good email address?

utterance: OK so I have a private email server that's Loaves of Love at bread dot com.

utterance: OK thank you. And could I please get the business name?

utterance: Oh that's Loaves of Love.

utterance: OK. And the sole owner of the company?

utterance: That's me, John Rivers.

utterance: Thank you. And when was your business established?

utterance: Well we started baking out these hot fresh loaves around two thousand and one.

utterance: OK thank you. And what is your gross annual sales amount?

utterance: Well although we bake a lot of dough we don't make a lot of dough. you know, cost of inventory and everything. I make about a hundred fifty thousand a year.

utterance: OK thank you. And could I please get the tax ID number for the business?

utterance: Yeah that's thirty-three seven hundred twenty-six fifty-one.

utterance: Thank you. And could I please get the street address for the business?

utterance: that was twenty-five twenty-five North Conch Lane North San Diego, nine two zero eight one six.

utterance: Thank you. OK and is the mailing street address the same as the business address?

utterance: That's correct.

utterance: Perfect. OK. OK so I have your account all set up here for just our basic business checking account. Were you looking to deposit any money today in that?

utterance: Yeah actually. Let me check my savings real quick. Oh actually yeah I will deposit money. how about I deposit what's the minimum?

utterance: There is no minimum balance for your checking.

utterance: OK. I

utterance: Would like to deposit we'll say fifty thousand dollars.

utterance: OK.

utterance: And will I have to come in to deposit that money or can I transfer it from my previous account with another bank?

utterance: in this case since it is a new checking account, we would like you to come in and deposit it in person.

utterance: yeah that's not a problem. Can I get your guys's nearest branch location adjacent to my address?

utterance: Sure just give me one moment here. OK it looks like the nearest branch location from your address is about five miles away. and that address is fifteen twelve Main Avenue.

utterance: Fifteen twelve Main Avenue. Oh I know exactly where that is. that's I think it only about a mile or so down the road, right?

utterance: No, this location is five miles away.

utterance: Oh OK yeah I sorry I had to look it up on my maps. You are correct. What are your banking hours?

utterance: This location is open from seven thirty a.m. to six thirty p.m. Monday through Friday and has Saturday banking hours from eight a.m. to noon and closed on Sunday.

utterance: OK well that sounds great. I'll be in there today before closing to set that up.

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

utterance: Nope. You've been great, thank you.

utterance: OK well then you have a good rest of your day.

utterance: You, too.

utterance: Bye bye.


utterance: Good afternoon, thank you for calling Intellibank. This is Avril, how can I help you today?

utterance: Hey Avril, I am going to impress my wife by making this payment by by myself, she usually does. I think and she asked me if I could do it. I usually fail with these type of task but today I am going to, surprise her and make the payment myself.

utterance: Wow, well. Congratulations I I just wanted to hear the whole story so I was I was holding.

utterance: You don't sound very impressed are you?

utterance: Oh yeah it is a good

utterance: That's true it is a good story probably weren't sure if it had ended yet or not.

utterance: So, she usually makes the payments?

utterance: Yes, I mean we're both on the account. but yeah I think she usually handles most of the scheduling.

utterance: I see. So, this is a payment regarding which account with

utterance: I probably

utterance: Should have mentioned that huh? I need to make a payment on our loan.

utterance: OK, let's schedule the loan payment for you. This will be a one time payment? Or you gonna set up recurring payments?

utterance: this will be a one time.

utterance: OK, I can take care of that and process that for you by phone today?

utterance: Mhm.

utterance: I will let you know though that you can also do this online at Intellibank dot com or by downloading the Intellibank mobile app.

utterance: No, shit?

utterance: that is correct.

utterance: OK. I guess so. I thought it was just a call in.

utterance: No no that. That is that is something you can do and access your account. They're twenty-four hours a day, seven days a week.

utterance: OK.

utterance: Let's get you started on this one time payment. Can I get your first and last name?

utterance: Yeah, it is Rick. Stevens.

utterance: Rick Stevens. Also need your date of birth.

utterance: Yeah. May eighth nineteen eighty-three.

utterance: OK, Rick. And a four to eight digit pin number for you?

utterance: Oh, God! I thought I had that I'm sorry, let me put you on hold for a quick second.

utterance: Absolutely. I'll be waiting here for you.

utterance: OK, I'm sorry about the wait here. Yeah, I think I got, got it here the pin number right?

utterance: That's correct.

utterance: OK, the pin number. Alright, seven three four two five.

utterance: Alright, I'll also need a loan account number?

utterance: yeah OK. three seven nine one three two three.

utterance: Great and which is the account you'll be paying from? I need a payment bank account number for that, the checking or savings perhaps you have with us?

utterance: yeah OK, yeah one two one zero three seven nine four.

utterance: Great.

utterance: Please provide also a payment routing number, six to ten digits from that account.

utterance: OK. It is Where is that? OK one nine one zero seven nine five eight.

utterance: I've got that here for you. So just a couple more steps before we finalize this payment. What is the date of the payment that you would like to go through at?

utterance: What is that? Next next Tuesday.

utterance: Next Tuesday August tenth.

utterance: Yeah, the tenth.

utterance: And which amount would you like the payment to be for?

utterance: eighteen hundred, one eight zero zero.

utterance: One eight zero zero, no cents? Just zero zero cents too?

utterance: eighteen hundred flat.

utterance: One thousand eight hundred dollars payment to be made on August tenth. I will submit that for you right now. You will receive verification on that date by email and text alert, according to the settings on your profile. If you do not receive either of those, please let us know. Call us back contact us on the app or online and we will make sure that goes through next time. But for now, looks like you're all set up to receive that one time payment or at least submit that one time payment. And I want to thank you for banking with us, since two thousand one and being a term alone customer as well as a total preferred checking and smart savings customer, with Intellibank. Is there anything else I can help you with?

utterance: No, that's it I think, I was a I was a good boy today and the wife will be pleased. One day out of the week ain't bad so.

utterance: Great. Yes. that's Congratulations on making your first solo payment.

utterance: Great.

utterance: Thank you, thank you.

utterance: Not too often that I get somebody like that as as far as I know.

utterance: Have a good day.

utterance: OK.

utterance: Bye bye.


utterance: Thank you for calling Intellibank today. My name is Wendy. How may I help you today?

utterance: Hello.

utterance: I have a business savings account with you and I got the notice in the mail saying that you had some credit options. My business is struggling for cash right now so I I wanted to know what credit options there are.

utterance: Sure. I can help you with that. That's not a problem at all.

utterance: Were you looking more for a credit card or a loan type of option? OK.

utterance: I think I'd rather have a credit card.

utterance: OK. Well we have two options on that. There's a business gold card which requires your business to have at least a hundred and oh a hundred thousand dollars in sales year.

utterance: OK.

utterance: And a good credit rating.

utterance: OK.

utterance: To be honest. There's also a business silver card which only requires fifty thousand dollars in sales per year and is a little bit more easy to get with the credit rating.

utterance: Which one has the lower interest rate?

utterance: The business silver card well they both have a zero interest rate for the first year but the silver business card will be a point five interest rate after that.

utterance: and which is lower than the two percent interest rate on the gold card.

utterance: OK.

utterance: I think I'd rather have the gold card.

utterance: Can you tell me what the balance is in my savings account?

utterance: Oh yeah I could do that. Let me put you on hold for just a second here. So I can get to that screen.

utterance: OK.

utterance: Could you go ahead and give me your name?

utterance: My name is Tammy Couch.

utterance: OK and your date of birth please?

utterance: May ninth ninety sixty.

utterance: Great and your social security number?

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

utterance: Great and could you give me the mailing address that you have on file for your home?

utterance: it's eighteen thirty-five Rice Boulevard Fairborn, Ohio. Four five three two four.

utterance: Great and I do need to ask you a few more questions just to verify your identity. Is that OK?

utterance: Sure.

utterance: All right. Can you give me your driver's license number?

utterance: It is S Like Sam, T like Tom, two eight zero eight eight one.

utterance: All right and what state was that issued in please?

utterance: Ohio.

utterance: Great and then I need your customer PIN number.

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

utterance: All right and then I need to ask you your security question. This could be your mother's maiden name.

utterance: Winn.

utterance: OK. Can you spell that for me just so I can verify.

utterance: It's W I N N.

utterance: Great. That's what I have.

utterance: And it says that the name of your business is Brass and Chains. Is that correct?

utterance: Yes.

utterance: And you're the sole owner?

utterance: Yes.

utterance: Good and you were established on the first of January in twenty twenty?

utterance: Yes.

utterance: OK and could you give me the tax ID again for that business?

utterance: Say it's the same as your social. Oh I'm sorry. It's the same as my social security number. Two six nine six eight four three seven three.

utterance: Great thank you and I just wanna verify that you are willing to have us do a credit check on your account to open this card?

utterance: Yes.

utterance: OK but you would like your savings account balance first?

utterance: Yes.

utterance: OK. So in your savings account balance right now I have one hundred and seventy-five thousand dollars. Does that sound correct?

utterance: Yes.

utterance: OK.

utterance: And then you wanted to open a business silver card and I can go ahead and process that application for you now if you're willing to agree?

utterance: Well I think I'd rather have the gold card.

utterance: Oh I'm sorry. OK. We can do the gold card for you. That's fine. Can you go ahead and give me your gross sales for last year?

utterance: It was a hundred and twenty-five thousand.

utterance: Great. OK.

utterance: So go ahead and let me put your on hold for a moment and I will process that application for you.

utterance: OK.

utterance: Thank you.

utterance: Thank you.

utterance: Could you hold on a minute? I've gotta answer the door.

utterance: Oh. Absolutely.

utterance: OK. I'm back. It was just a salesman.

utterance: OK.

utterance: that's rude to interrupt your call.

utterance: Yeah.

utterance: All right. Well I did get an answer back on your business gold card application. It looks like you were accepted.

utterance: OK and I need to know what you want the initial balance to be or or your limit to be. What do you think would be a good initial balance for me to request?

utterance: I I think I'd like to go as high as I can go.

utterance: OK. Well let me put in twenty-five thousand and see if that comes back accepted. Can you hold for a moment?

utterance: Sure.

utterance: Thank you.

utterance: All right Miss Couch. It looks like that was accepted. So that's gonna be your initial you you know your initial limit of twenty-five thousand.

utterance: OK.

utterance: would you rather the cards be sent to your mailing address at home or your business address at work?

utterance: At home.

utterance: OK and how many cards do you need?

utterance: Just one.

utterance: Just one. OK. Great.

utterance: OK. So like I said before there's no interest rate for the first year. there is no application fee for this card.

utterance: Good.

utterance: And there is no monthly fee for this card as long as you're not over your limit.

utterance: OK.

utterance: If you're become over your limit then there there could be fees and interest rates on that amount of money.

utterance: OK.

utterance: All right.

utterance: So is there anything other thing I can do for you today?

utterance: no I don't think so.

utterance: OK and, do you have access to our online banking?

utterance: Yes I do.

utterance: Oh great. OK. Well then you should be able to see this card show up in the next few days on your account.

utterance: Oh good.

utterance: So when you log in you should see it and you should be able to get your card within seven to ten days through the mail.

utterance: OK.

utterance: Does that sound all right?

utterance: That sounds great.

utterance: Great. Is there anything else I can do for you tonight Tammy?

utterance: No.

utterance: All right. You have a good evening.

utterance: You too.

utterance: Thank you.

utterance: Bye bye.


utterance: Welcome to Intellibank this is Rose how can I help you this evening?

utterance: Hi Rose my name is Kim how are you this evening?

utterance: I'm doing pretty good how are you?

utterance: I'm doing pretty good myself just got off work thank goodness hopefully you you're gonna be getting off soon here too.

utterance: My goodness I'm so ready.

utterance: Aww you sound like it sounds like it's been a long day for you.

utterance: It definitely has.

utterance: Hopefully there is a large large glass of wine awaiting you for when you get off.

utterance: I look forward to that large glass of wine sitting in my fridge with my name on it.

utterance: Yes.

utterance: Otherwise, my roommate would drink it.

utterance: If you didn't have your name on it. She's funny.

utterance: She's.

utterance: She likes the wine.

utterance: well Rose I need some help tonight please I am trying to get the the consumer price index please for the past two quarters.

utterance: Sure you are a customer with our bank?

utterance: Yes I am.

utterance: OK I just have to start by getting a little personal information from you OK?

utterance: Sure.

utterance: All right I know you said your name is Kim is that Kimberly or just Kim?

utterance: Yes.

utterance: just Kim and my last name is Johns. It's J O H N S.

utterance: All right thank you so much Ms. Johns let's see here what is your date of birth?

utterance: April twenty fourth nineteen seventy-seven.

utterance: All right thank you so much and also your address mailing address?

utterance: sure it's forty-nine Holland Drive and that's Philadelphia Pennslyvania one nine one zero one.

utterance: OK and also your your business address?

utterance: sure that's seven four five Walnut Street also in Philadelphia one nine one zero one.

utterance: And your name I'm sorry your email address?

utterance: my email address is K Johns seven seven seven at Gmail dot com.

utterance: All right thank you so much and we were just looking for the index correct? For the last two Quarters?

utterance: yes I'm looking for the the consumer price index for energy specifically for the last two quarters and I was also wondering Is it possible to go on to your website on to Intellbank dot com and find this information instead of calling you guys?

utterance: did you mean Intellibank?

utterance: Oh yes I'm so sorry I I think I said Intellabank I meant E bank.

utterance: That's OK yeah Intellibank and Intellibank are two different entities I just wanted to make sure you have the right one and yes you can go on to our website to get that information however I can also provide that for you today.

utterance: OK perfect.

utterance: All right bear with me just a few moments while I pull up that information for you Ms. Johns.

utterance: sure.

utterance: All right Ms. Johns that would be thirty percent for both quarters.

utterance: OK great.

utterance: And is there any credit cards that you wish to check the due balance for?

utterance: no I was just wondering so when I go online do I just go under like my personal information when I log online to find this information?

utterance: certainly yes ma'am.

utterance: OK perfect. OK well I think that's all I need for today thank you so much for all of your help.

utterance: Aww you're so welcome Ms. Johns and I just wanted to ask if you needed one more thing we do have a note on here to make sure to ask if you needed any clarification on your current billing periods.

utterance: nope I'm pretty good with that I think I'm OK.

utterance: All right and is there anything else that I could do for you today Ms. Johns?

utterance: No that's everything thank you so much.

utterance: You are very welcome thank you so much for calling Intellibank and I hope you have a wonderful rest of your day.

utterance: You too.

utterance: Thank you bye bye.


utterance: Good afternoon, Intellibank. This is Daniel speaking. How may I help you?

utterance: Hi Daniel. I I wrote a check for way more than I was supposed to have written it for. and I already sent it out. what can I do about this?

utterance: OK and that's something that I can definitely assist you with. we can put a simple cancel check option on this check that you've sent out and because you had sent out sent it out quite recently we can definitely make that work for you. So before before I can get the to that could you. Can I get your first and last name please?

utterance: Oh, sure. It's Peter Thompson.

utterance: Hey Mr. Thompson. Thank you so much for banking with Intellibank for your small business needs. And can I get your date of birth?

utterance: yeah. It's eight twenty-nine eighty-two.

utterance: Two. And could I get the pin number of your account?

utterance: Yeah. It's nine five eight four.

utterance: OK. Give me just one second while I access your account. OK. So it looks like the check that you are referring to if I may double confirm is the amount of eight thousand dollars that was sent out two days ago?

utterance: That's the one.

utterance: OK. And just for additional security purposes, could I actually get your account number as well?

utterance: Oh yeah, definitely. It's eight one seven two eight eight oh one nine five four eight seven three four three.

utterance: Do you mind repeating the last eight digits?

utterance: Absolutely. It's nine five four eight seven three four three.

utterance: So many numbers to remember, right?

utterance: I don't know how you do it. You you gotta be seeing more numbers than me.

utterance: That's the name of the game. Thank you so much, Mr. Thompson. And we can definitely assist you with the stop check option. Course. Can you confirm that this is the this is the check amount?

utterance: Oh, that's great.

utterance: Just double confirm?

utterance: Yes.

utterance: OK.

utterance: I rarely use checks anymore. This is you know you use one for the first time in a couple of years and you make a mistake on it. Unbelievable, right?

utterance: Could I ask that. Is it the service. The service that you're using nowadays is. Are you using online pay or is it just something that you you don't use checks for in general.

utterance: Yeah. I've been using online pay. I use my card. I just I rarely rarely write checks.

utterance: Yeah.

utterance: Actually, I'm I I'm gonna be going outta town not to change the subject. But I I I'm gonna be going outta town and I really don't wanna be using checks or carrying a lotta cash on me, so I wanted to see about your travel card.

utterance: OK, sir. Do you mean our Traveler's card?

utterance: Yes! That's it.

utterance: Absolutely. So with the Traveler's Card it's something that we have partnered up with major airlines like United Airlines and American Airlines and in terms of the benefits themselves we do offer extra points if you make travel purchases or anything related to hotel stays and travel in general. So is that something that you'd be you'd be interested in looking at?

utterance: It is. I'm actually gonna you know look around a little bit before I I make a final decision, but it's it's great to know that you guys offer that as well.

utterance: Fantastic. We will give you all the time you need. So if you just let us know you know anything else you need. and just to confirm that the stop check option has been has been has gone through and you will be seeing the results of that in the next few hours.

utterance: Fantastic. Thank you so much.

utterance: Of course, Mr. Thompson. Is there anything else I can assist you with today?

utterance: That'll

utterance: Do it today. You've been great.

utterance: Thank you so much, Mr. Thompson, and I hope you have a good rest of your day.

utterance: You as well. Thank you.


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

utterance: Yes Gerry I wanted to stop by the branch today but I didn't have time. But I needed, you know, and I decided to go ahead and call, but I need to get an investment report.

utterance: OK. Sure, I'll be glad to assist you with that. And if I could just ask, what is your first and last name ma'am for your account?

utterance: Evelyn Richards.

utterance: All right. And Miss. Richards, if I could ask, what's the name of the business that has an account with us on file?

utterance: Joan's Bed and Bath.

utterance: Terrific. Terrific. Thank you for that. Joan's Bed and Bath?

utterance: Yes.

utterance: All right. Now Miss. Richards, I'm gonna ask you a few questions and this is to verify your account. here at Intellibank we do take your account security very seriously. And you may have seen in the news over the past several months of the increase of cyber attacks that are occurring across the country as well as the heightening need for increased cyber security. And so that's why we do take your account security very seriously and it's really for you and your business's protection. So is it all right if I ask these questions to verify your account?

utterance: Yes that'll be fine.

utterance: All right well terrific. Miss Richards, if I could ask what is your date of birth and phone number?

utterance: Eleven eleven nineteen eighty-four.

utterance: Six seven eight two zero two four two five three.

utterance: OK.

utterance: Yes you know I'll tell you when the time falls back you know I'm glad that they do it on the weekend. You know, that helps a lot with all of that change.

utterance: Indeed it does. It's certainly something to see all of the interesting new darkness outside in the middle of the day.

utterance: Exactly. could you also tell me what the branch hours are?

utterance: Sure, I'll be glad to assist with that as well. Our branch locations are open Monday through Friday from nine a.m. to five p.m. and closed on Saturdays.

utterance: Right. All right, thank you.

utterance: You're welcome. As and Sunday's as well. Now when it comes to the change of the falling back you know I think everybody's still trying to get those clocks fixed in the office.

utterance: Exactly. And I like again it does they do it on a Sunday and that's good because it gives people time to get make sure they're ready for work on time the following Monday.

utterance: Yeah exactly. You give everybody to get adjusted to the new darkness in the middle of the afternoon or the just sleep rhythms that folks may need in order to get into the office on time.

utterance: Exactly.

utterance: Now Miss. Richards, let me ask what is your account number?

utterance: Nine eight four six five nine one. And by the I'm sorry that's incorrect. It's eight eight four six five nine one.

utterance: All right. All right. And I appreciate that ma'am. And with that being the case let's me ask one last question here. What is your PIN number?

utterance: One zero seven one.

utterance: OK thank you for that Miss. Richards. And OK I was able to get your account verified Miss. Richards and let's see here, you wanted to go ahead and request an investment report, is that correct?

utterance: That is correct.

utterance: And Miss. Richards let me ask how did you want to receive your investment report. Did you want that mailed to you or did you want that sent paperless?

utterance: you can just go ahead and mail it.

utterance: OK and Miss. Richards, what's the address that you want that mailed to?

utterance: One zero seven five Laymans Court. Smyrna Georgia. Three zero zero one zero.

utterance: OK that's one zero seven five Laymans Court, Smyrna Georgia. Three zero zero one zero.

utterance: Yes.

utterance: OK. Well Miss. Richards, I've gone ahead and processed your request for the investment report to be sent to the mailing address you've just given me and you can expect to receive that here within the typical two to three business days. it'll be sent by US mail.

utterance: OK that'll be fine.

utterance: Now Miss Richards, did you want to have this investment report sent just this one time or were you looking for this to be sent on a somewhat regular basis?

utterance: Just this one time.

utterance: OK. Terrific. Not a problem Miss. Richards. And is there anything else I can help you with?

utterance: No that's it for today.

utterance: All right. Well we certainly do appreciate you giving us a call and glad that we were able to take care of this for you.

utterance: Thank you very much for all your help. Have a good day.

utterance: Thank you. You as well.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank Business and Commercial Banking Division. This is Sam. How can I help you?

utterance: Yeah, hey Sam. This is John Rivers at Three Rivers Pizza Palace.

utterance: Hi, John. What can I do for you today?

utterance: Well, my cousin Vinny told me that he's got a really good hot tip on Marcus popcorn and I heard you guys do stocks and stuff. So, if I wanted to pick up some shares, how would I go about that?

utterance: yeah, we can definitely help you with that. you're most likely going to be wanting to place a market order.

utterance: Oh. OK. Yeah, that sounds good. Cuz I don't wanna buy too many. I just kinda wanna get a small amount.

utterance: OK. Yeah. I can definitely help you with that. I just need to get some information here to get that started. Can I please get the first and last name?

utterance: Yeah, that's John Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-nine.

utterance: The PIN?

utterance: Two five eight oh.

utterance: Can I please get your account number?

utterance: twenty-three seven nine zero.

utterance: Thank you. OK. Do you have the stock symbol that you are wanting to order?

utterance: let me put you on hold.

utterance: OK.

utterance: OK. Yeah. That's P O P C.

utterance: P O P C. OK.

utterance: Yep.

utterance: And how many shares were you wanting to purchase?

utterance: Twenty.

utterance: Twenty. OK. OK. So I've got that order all set up and I've got it ready to be submitted here. was there anything else I could do for you today?

utterance: Yeah.

utterance: How much was the total cost of the shares after the purchase?

utterance: give me just a moment here. If I remember correctly, there's no specified price on this. it's just typically we do it at the highest value.

utterance: Oh, OK. Just wanted to make sure.

utterance: Yeah, yeah. Typically it's just a quick quick execution at really any any price but we always try to do the the best available one.

utterance: Oh. OK. That sounds great.

utterance: OK. Is there anything else I could help you with today?

utterance: Nope, you've been great.

utterance: OK. If you have any other further questions or need any further assistance, don't hesitate to reach out.

utterance: Will do.

utterance: OK. You have a great day. Bye bye.


utterance: Thank you for calling Intellibank, this is Lorrie, how may I help you today?

utterance: Hi, yes, well I have a account with your bank and I needed to know if I can get a copy of the most my most recent credit report? You know I believe like when I signed up for the account, there was something in the papers saying that every few months, I can get a free report, otherwise it has to be paid for, of course.

utterance: Sure, absolutely I can help you with that. Yes ma'am you are correct, our checking accounts do come with free credit reports every three months. let me just your first name please?

utterance: Sure, it's Alexandria.

utterance: Thank you Alexandria, and your last name?

utterance: Lopez, do you need me to spell that for you?

utterance: Sure.

utterance: It's L O P E Z as in zebra.

utterance: Thank you for that information, and your date of birth please?

utterance: Sure, it's six six eighty-two.

utterance: That was six six nineteen eighty-two?

utterance: Yes ma'am.

utterance: Thank you very much. And your account number please?

utterance: I'm sorry, you're gonna have to give me one second, I apologize, I thought I had it in front of me, by it is in my other purse I believe, I'll be right back.

utterance: Sure, not a problem, take your time OK?

utterance: Sure no problem, thank you.

utterance: I'm sorry, I'm coming, give me one more second please.

utterance: No problem, take your time.

utterance: OK, I'm back. well I'm really sorry, for some reason I guess I left the account number in my other purse at home. What or if anything is there that you can use instead of an account number?

utterance: Oh, I understand OK, let me just check the system real quick, OK? Give me one second.

utterance: Sure.

utterance: do you happen to know your PIN number for the account, ma'am?

utterance: no I'm sorry, that was kind of also written on the paper. I I have a lot of different numbers that I have to you know have like accounts and, you know, I got kids and everything so you kind of have to write it down, and when you lose it you're screwed.

utterance: Of course, ma'am of course, I completely understand I am very sorry, but unfortunately without that information I am unable to fulfill this request for you. you can, however, go into any branch and show your ID to get a copy of your statement in person. But it is for your own protection that I am not able to fulfill this request over the phone at this time. I hope you understand.

utterance: No, I do understand, but could you look through your system, I know it might take a extra minute, maybe get me where the closest one is in my area. it's in the palm palm ave area. I just don't have anything that I can find in front of me.

utterance: Yes ma'am absolutely, give me one second let me just back out of here, OK? Give me one second while the system goes does a quick update.

utterance: No problem. While it's doing that, so, how is your day going? Cuz obviously mine's not going so good.

utterance: Oh, it's going excellent, it's going excellent, we're having beautiful weather here today.

utterance: Oh, where's here?

utterance: Oh, sunny South Florida.

utterance: Oh, lucky you, I'm in up state New York and it's ice cold.

utterance: Oh, I am definitely not jealous of you ma'am.

utterance: Well I'm jealous of you. I mean don't get me wrong I like the cold, but I would rather once in a while be at sunny go to the beach, you know, beaches aren't too too close to the houses up here.

utterance: Oh, you can always come on down south like everyone else is right now.

utterance: Sounds like a plan to me.

utterance: All righty then, I'm so sorry ma'am but can I have the ZIP code for your area?

utterance: Sure, it's three three two six four.

utterance: Three three two six four?

utterance: Yes ma'am.

utterance: And that was the palm air palm air, correct?

utterance: Yes.

utterance: OK. Bear with me one moment here, OK? All right, I do see we have two locations in that area. I have one on tenth Avenue, and one on Powerline Road. Which one would be would you prefer?

utterance: Powerline road would be I believe the closest one to me.

utterance: Sure, all right the do you have a pen ready?

utterance: Yes ma'am.

utterance: All right that address is going to be one two one South West Powerline road, in Palm Air.

utterance: Give me one sec I'm writing it down, all right let me read it back and then I believe we're all done. one two one South West Powerline road in Palm Air.

utterance: Yes ma'am, that's it. You got it.

utterance: All right, thank you so much and.

utterance: You're welcome, is there anything else I can help you with today?

utterance: Nope, that'll be it darling, thank you so so much I appreciate your help.

utterance: Thank you for calling Intellibank, you have a great day, bye bye.

utterance: You too. Bye bye.


utterance: Here we go.

utterance: Howdy my name is May and who am I speaking with?

utterance: Hi May this is Tom.

utterance: Hey Tom thanks for calling Intellibank and how can I help you today?

utterance: Is it OK if I eat? I'm on my lunch break.

utterance: Please go for it. Stay fueled.

utterance: so I need to sign up for a a savings account.

utterance: OK well that's very responsible. Let's go ahead and get you started here. so you already have a checking account with us?

utterance: I do.

utterance: OK great is it a business checking accout or a personal?

utterance: it's totally personal.

utterance: Totally personal. All right understand. Let's go ahead and see if we can track down your checking account. Could I get your last name please?

utterance: Thompson.

utterance: Thompson OK and how about your address?

utterance: six zero three South Avenue.

utterance: OK great. All righty and then the last four of your social?

utterance: three five zero three.

utterance: OK great and your driver's license number?

utterance: One zero zero nine three zero.

utterance: Perfect OK great and then do you know your four digit customer PIN?

utterance: Yeah it's three two three two.

utterance: Three two three two all righty.

utterance: OK and you said that this was a personal account is that correct?

utterance: that is correct yeah.

utterance: Great did you want to open a personal savings account as well?

utterance: Yes please.

utterance: Great all right and then just one more I need your email address.

utterance: let's go with rapid fire at Yahoo dot com.

utterance: Rapid fire at Yahoo let's take a look here. OK found your checking account here. And would you like to link your new savings account with your checking account existing?

utterance: What does that do for me?

utterance: well it'll make online and mobile banking really convenient for you. You can transfer funds, make deposits. withdrawals all online and on our mobile app.

utterance: Do people normally link that?

utterance: Yeah it's typically the standard just out of convenience you can separate them if you'd prefer it would just require you to visit us at the bank.

utterance: OK I'm just worried do you have fraud protection?

utterance: We sure do. We do have fraud protection if that's something you're concerned with. And if you'd prefer we can keep your savings account separate from your checking account. You can still do some online banking on our website. we just don't offer it on the mobile app. but if you live nearby you can always come visit us as well.

utterance: I guess we can link them.

utterance: All right we'll go ahead and link them and out of convenience if you'd like to go ahead and have that service fee waived you can deposit our minimum of three hundred dollars into your saving account. Is that something that you feel comfortable doing today?

utterance: yeah let's go ahead and do that.

utterance: OK great so I'll go ahead and get that started for you and can you confirm your bank account number please?

utterance: Two zero seven one nine three one.

utterance: Great how about the routing number?

utterance: One zero zero three three.

utterance: All right there you are. OK. And would you like to keep the same customer PIN as your checking for your savings?

utterance: Yes please.

utterance: All righty. OK like I mentioned you can open your personal savings today which we've done. we also have the option of opening business savings account and for both accounts the service fee is twelve dollars monthly unless you have a minimum of three hundred uploaded into your account. Then that service fee will be waived and our interest rate is three percent. Does that all sound good to you?

utterance: yeah I'm just worried about interest rates going up. But if you're saying if I keep it at a certain rate?

utterance: That's right. It'll be a fixed rate so long as your so long as your account does exceed three hundred dollar minimum.

utterance: OK sounds good. Thanks so much.

utterance: Of course my pleasure and if you have any questions feel free to give us a call and I'll send you a confirmation email.

utterance: OK very good.

utterance: All right take care.

utterance: Thanks you too. Goodbye.

utterance: Bye.


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

utterance: Yes, hey can you tell me about the Consumer Price Index?

utterance: for the Are you looking for any particular country?

utterance: The US.

utterance: Yes the US Consumer Price Index, certainly I'll be happy to help you with that if I could just ask what your first and last name is?

utterance: Evelyn Richards.

utterance: Alright Ms. Richards and you said you wanted to know what the US Consumer Price Index is. Is there any particular time period, over the past year, over the past month?

utterance: Yes, over the last month.

utterance: OK, yes ma'am, well the US Consumer Price Index is at zero point four percent for the past month.

utterance: OK, great.

utterance: Is there any particular category that you're looking for as far as the Index? I just gave you the overall US Consumer Price Index?

utterance: Yes, for food.

utterance: Food for the would that be for the past twelve months?

utterance: The past month.

utterance: Well I can give you that for the past twelve months.

utterance: OK well that'll work.

utterance: For the past twelve months the percent on that is four point eight percent. Is the US Consumer Price Index over the past twelve months. It's increased the cost of food nationwide.

utterance: OK all right, well thank you.

utterance: You're welcome. You're welcome and of course it's quite something to see how costs are rising really across the board and even over the past month it's almost up over a half percentage point so I know that you as a business owner you have to take that in consideration when you are dealing with expenses and budgeting for your business.

utterance: Oh yes, especially with the holidays coming up and personal, you know, you know you cooking and you doing a lot of different things and that you would need to do for your business as well as your home.

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

utterance: Yes I also would like to transfer funds from checking to savings.

utterance: OK, absolutely. Well happy to help with that as well Ms. Richards, what's the name of the business that you have with us?

utterance: Jones Bid and Bath.

utterance: OK and I'll just need to ask a few bits of information since this is obviously a little bit more personalized than the general question that you initially called in about if you would is that OK if I ask a few questions to verify your account for account security purposes?

utterance: Yes, it is.

utterance: And Ms. Richards, what is the phone number for your account?

utterance: Six seven eight two zero two four two five three.

utterance: And Ms. Richards, if you could let me know what is your address for your business?

utterance: One zero seven five, Laymans Court Simona, Georgia, three zero zero zero two.

utterance: Awesome and Ms. Richards I see here that it appears you have a business preferred account with us what is your account number?

utterance: Well can you just hold on for just a second?

utterance: Sure.

utterance: Alright I have it. Nine eight four six five nine.

utterance: That was nine eight four six five nine?

utterance: Yes.

utterance: And you said that you wanted to transfer funds in your account. Is that correct?

utterance: Yes from checking to savings.

utterance: OK, one last question before I'm able to do that what is your PIN number?

utterance: OK, I don't have, I don't have that.

utterance: Oh, well I'll be going to have to hold while you go grab it?

utterance: I don't have it.

utterance: Oh OK, well certainly understand that and it's unfortunate Mrs. Richards that I regrettably won't be able to process and proceed with processing your request because we would need to have the PIN number in order to authorize the transaction on my end for any financial transactions I have to have your PIN number in order to process it particularly if it's a request such as transferring funds at your request. does that make sense?

utterance: Yes it does it's just so much happening and I didn't have that right there.

utterance: Not a problem at all Ms. Richards. Now here are a couple of options for you that you can do in case you have to get that done today you can still stop by a branch during the hours of operation believe it or not on Friday's the branches are open till five p.m. extended hours on Friday's so you can stop by the branch in person or you can go online if you so choose. And when you go online you'd be able to enter in your username password if you have online banking with us do you have the online banking with us?

utterance: Yes, I do.

utterance: If you do terrific you then can then simply at your convenience online transfer the funds and you don't even have to have your PIN number when you do it online.

utterance: OK, I can do that.

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

utterance: No, there is not.

utterance: and one other thing by the way you know you can do that online twenty-four seven. So even after we are closed here at the helpline if you did it tonight it nine p.m. or midnight it would still be processed the same day that you initiate the transfer.

utterance: OK, thank you.

utterance: again if that's all, is there anything else I can help you with?

utterance: No.

utterance: If that is all we certainly do appreciate you doing business with us and thanks for calling Ms. Richards.

utterance: You're welcome.

utterance: You have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.