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

utterance: yes, I'm wanting to add someone to my account please.

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.

utterance: All right Jill. So you're wanting to add someone to your account today. Is this a business, checking account, a loan or a credit card that we're adding them to?

utterance: I want to add them to my business checking account please.

utterance: OK I can help you with that. Can you give me your business checking account number?

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

utterance: All right Jill and can I also get your date of birth?

utterance: yes it's March second of nineteen eighty.

utterance: OK it looks like your account has a four digit PIN number on it for security purposes. Can you tell me what that PIN number is?

utterance: It's four seven three eight.

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

utterance: It's Burgundy Bows Bar.

utterance: OK and can you confirm your address for me?

utterance: My address is nine three zero one Carter Street in Kansas City Missouri six eight four seven three nine. if I add them to the account do they get their own debit card for that account? and also like is there a way to like limit the access that they have to the account?

utterance: yeah Jill. So what we can do is we can issue an additional card for that person if you would like and what we will do is we'll create a PIN for the new person so that way any debit or over the phone transactions they complete that will be logged with their PIN number. So delegates added to the account will not be able to make any account changes or any withdrawals over the minimum without your approval.

utterance: OK thank you, that's perfect.

utterance: All right Jill, so what is the name of the person you're wanting to add?

utterance: Her name is Kim and it's Rankin R A N K I N.

utterance: All right and what is her date of birth?

utterance: Her date of birth is June eighth of nineteen eighty.

utterance: OK and what is her address?

utterance: It's eight three seven Watkin Mill.

utterance: OK and can I get the city and state please?

utterance: It's Parkville Missouri.

utterance: And her ZIP code?

utterance: It's eight three four seven two.

utterance: Thank you. And does can you give me Kim's social security number?

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

utterance: And does Kim have a driver's license?

utterance: Yes she does.

utterance: OK and what is her driver's license number?

utterance: It's R as in Rudolph eight four eight two nine three one one.

utterance: OK and is that what state is that license from?

utterance: It's Missouri.

utterance: OK how about a how about a email for Kim. Do you have a email for Kim?

utterance: It's Kim and the number eight at Burgundy Bows Bar dot com.

utterance: All right and can I also get a good contact phone number for Kim?

utterance: So her direct line at the office is eight two one eight three nine eight two three nine.

utterance: All right and so one last question for you. What is the four digit PIN you'd like to to put on Kim's account?

utterance: Can she change it later if she wants to?

utterance: Yeah she can she will just have to provide the one that you create for her today before it can be changed.

utterance: OK so let's give her zero seven eight three.

utterance: OK give me just one moment. I'm going to get all of her information added to the account. OK So I have everything added on there and did you just to verify here so I wanna I kinda wanna go over a couple of things with the account for you. So first for that withdrawal limit she won't be able to withdraw anything from the account over the the the balance of five hundred dollars without your approval. So what will happen is they'll either send you an email saying that this that this person accessed the account and that their trying to make this amount of a withdrawal otherwise someone may also call you from the bank just to kinda get more information or get your pre-approval for that. You'd have to provide your PIN as well. if she wants to change her PIN number she can call and do that over the phone. She'll just have to provide the one that was previously given to her the zero seven eight three. She can also do that at any banking branch to change that. you may want to have her just notify you what that PIN number is because that is will be how you track those transactions. So if for any reason you call to find out if a delegate completed a certain transaction you'll her PIN number for that. let's see here real quick too and you are wanting were you wanting to get a card sent out to her too an extra card for her?

utterance: Yes if I can get another card for her that'd be great.

utterance: OK did you want me to send that to the business address or do you want me to send it to her home address?

utterance: can you just mail it to the business address? That should be fine. We'll get it at the business address that right? Will will the card actually have her name on it?

utterance: No so the debit card should come just like the one that you currently have and it will be just in the business name not in her individual name. the only difference is it'll just be giving her access. Adding her to the account basically just gives her the access to be able to use that card and also to be able to access things from any bank branch or over the phone with Intellibank.

utterance: OK that's perfect.

utterance: All right Jill, so I have her added to the account. I have that card sent out. It's gonna be headed towards your business address. Was there anything additional that I could help you with today?

utterance: No I I don't think so. I think that that should be everything. So the card will come to us. will be addressed to her or will it be addressed to me?

utterance: that's actually a good question. since you're the account holder it's actually going to come to your attention. It'll usually say the business name maybe slash your name. but it will come directly to you and it will be it will not be in a you will not know that it's from Intellibank. It will come in an envelope without a return address on it. It's just for discretion purposes when sending out a card. But otherwise it will come into your name and you'll you should be able to feel that card through the envelope. Was there anything else I could do for you?

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

utterance: No problem at all Jill. Thank you for choosing Intellibank. You have a great day.


speaker_role: Agent

utterance: Thank you for calling Intellibank business and commercial banking division this is Sam how may I help you?

speaker_role: Customer

utterance: Yeah hey Sam this is John Rivers over at Pepperoni Palace.

utterance: Hi John what can I do for you today?

utterance: Well I'm a little concerned about the future growth of my business. We're possibly thinking of expanding. Because you know everything going great in the Court Avenue section but we're thinking about popping up a few new places cuz you know pepperoni is really you know I think that's the future of .

utterance: Certainly yes I know it's kind of a new fad right now so I would suggest possibly if if you're interested set an appointment with one of our financial advisors and you could go over all of your account information and do some projections and get a game plan set up.

utterance: Yeah that would be great what information do you need to set that up?

utterance: I just need let's see here let me switch screens for a moment.

utterance: Oh and I have a I have two other questions real quick.

utterance: Yeah.

utterance: Before you ask them I also need to check my checking and my savings account.

utterance: OK yeah I can definitely help you with that. let's actually start there that would easiest I think. OK can I just please get the first and last name on the account?

utterance: That's John Rivers.

utterance: Thank you can I please get the date of birth?

utterance: One eighteen of eighty-seven.

utterance: Can I please get the street address?

utterance: It's twenty-five twenty-five North Clunch Lane.

utterance: The PIN number?

utterance: Two five eight oh.

utterance: Thank you. And can I please get the checking account number?

utterance: Oh so the checking the savings both those accounts I have to look up.

utterance: OK.

utterance: They're twenty-three seventy-nine please hold I gotta find the savings. That's oh here it is seventy-five zero zero one.

utterance: Thank you and that is your savings account.

utterance: Yes.

utterance: OK.

utterance: The first one was the checking.

utterance: Yes OK.

utterance: So I am trying your savings account has a balance of two thousand three hundred twenty-two dollars and eighteen cents and then it looks like the checking account is showing a balance of sixty-three thousand one hundred and twelve dollars and ten cents.

utterance: Yes that sounds correct.

utterance: OK so we can switch back to do are you still wanting to schedule an appointment with our Financial Advisor?

utterance: Yes that's correct.

utterance: OK.

utterance: Just to double check and re verify could you provide me with your phone number?

utterance: Yes it's seven six zero nine four eight eighty-eight eighty-eight.

utterance: And what are thinking for your appointment? Do you have preference to what day of the week, time?

utterance: What works best for your schedule.

utterance: Well if you have something open on a Friday around noon that would be great.

utterance: OK let me let me look here just give me one moment.

utterance: OK so it looks like my next available Friday appointment with a Financial Advisor is going to be on next Friday. The twenty-third.

utterance: let me check my schedule and make sure that works.

utterance: OK.

utterance: Yeah it appears I'm open that day.

utterance: Perfect do you prefer morning or afternoon?

utterance: Well afternoon.

utterance: OK looks like my earliest afternoon appointment is at two thirty.

utterance: Let me check my schedule again.

utterance: Yeah that appears to be correct that'll work.

utterance: OK so I have you scheduled for next Friday the twenty-third at two thirty. Are you do you have a preference on how the meeting is conducted would you prefer over the phone in person?

utterance: in

utterance: Person would be fine.

utterance: OK I'll go ahead and do that.

utterance: Well if it's gonna be in person I was wondering if you can give me the nearest branch location adjacent to the North Crunch Lane at my home address.

utterance: Yeah so let me. I'm gonna have to switch calendars here to pull up that branch location as not all of financial visors are at all branches.

utterance: Alright.

utterance: So it looks like the closest branch location to your address is about three miles away. And that is located at fifteen twelve North Main.

utterance: Oh yes I know where that is located What are the hours of that? Just in case I need to come in and do a .

utterance: Yes so that branch location is open Monday through to Friday seven thirty a.m. to six thirty p.m.. Saturday eight a.m. to noon and closed on Sundays.

utterance: OK yeah that sounds great I'll see you guys next Friday.

utterance: All right just give me one quick minute though to double check to make sure that they have a Financial Advisor available at that location on that day. yep it does appear that there is in fact a Financial Advisor in the office I'm sorry at the bank branch office that day would it be a problem if we switched that time up to one o'clock?

utterance: That would actually be a little bit better for me yes.

utterance: Perfect OK so have you scheduled at that branch location at one o'clock next Friday.

utterance: All right I'll see you guys one o'clock next Friday then.

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

utterance: Nope you've been great.

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


utterance: Hi, this is Jess Jones at Intellibank. What can I do for you today?

utterance: Hi Jess, very, very fortunate to be here. Business is booming. yeah. I would like to speak with a specialist for this program that y'all have you're offering.

utterance: OK. I can set you up with a risk specialist. Did you wanna go ahead and schedule that?

utterance: Yeah. absolutely.

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

utterance: Yeah. full name's gonna be Solo. Yeah S O L O.

utterance: OK.

utterance: And a last name?

utterance: Morris. M O R R I S. Father was a musician.

utterance: Of course. OK Solo, I'm gonna go ahead and pull up your account. Can I get your credit card number and your PIN?

utterance: Absolutely, give me one second doll. Ready?

utterance: Yes. Ready whenever you are.

utterance: Five three nine one nine three five four five one five five zero zero three eight.

utterance: OK. And just to clarify, that was five three nine one. Nine three five four.

utterance: Mhm.

utterance: Mhm.

utterance: Five one five five. zero zero three eight. Yep.

utterance: Mhm.

utterance: Three eight. You got it.

utterance: You're on it.

utterance: OK, and the PIN?

utterance: Yeah.

utterance: Oh, the PIN's gonna be twenty-four five five.

utterance: Twenty-four five five.

utterance: Yes.

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

utterance: That's fine.

utterance: OK, great. can I get the last four digits of your social security number?

utterance: Yeah. Ready?

utterance: Yes.

utterance: Five one seven eight.

utterance: OK, five one seven eight.

utterance: Correct.

utterance: And you might recall that you answered a few security questions when you set up your account.

utterance: OK.

utterance: I'm gonna go ahead and ask those now.

utterance: Please.

utterance: OK. What street did yo grow up on?

utterance: I grew up on Molos, M O L O S. Molos Avenue.

utterance: OK, great. And what was the name of your first pet?

utterance: OK, I know what I put. Tamagotchi.

utterance: Unfortunately, that isn't the answer we have on file.

utterance: Are you kidding me?

utterance: No. Did you, perhaps, have another pet?

utterance: Well, I didn't have a pet. I mean, it was a little toy, I considered a pet. you've never had a Tamagotchi?

utterance: I'm not sure I'm familiar with that.

utterance: OK. one second. Let me let me let me pull up my notes section here. One second.

utterance: Of course, take your time.

utterance: OK. yeah, it it should be Tamagotchi. Are you spelling it right?

utterance: go ahead and spell that for me.

utterance: Yeah, it's Tama, T A M A gatchi, G A T C H E.

utterance: Oh, I see. OK, yes yes, it is showing up here.

utterance: OK.

utterance: Oh, thank God. I'm like I never had a pet but I had a Tamagotchi.

utterance: Yeah, sorry about that. Thank you for.

utterance: No worries.

utterance: Yeah. Yeah, no worries.

utterance: Yes, thank you for verifying your information. I am able to pull up your account, just give me one moment.

utterance: Yeah.

utterance: I.

utterance: Can't believe you never had a Tamagotchi!

utterance: No.

utterance: Did. Wait, what toys did you play with?

utterance: I had a lot of Barbie dolls.

utterance: , fair enough.

utterance: OK, so I am currently in your account right now and I'm also gonna pull up our scheduler so that we can get you set up with one of our risk specialists.

utterance: All right.

utterance: OK. and where you located?

utterance: I'm at the LA branch.

utterance: Oh, nice. How's the weather up there?

utterance: it's really sunny today.

utterance: Nice. How long have you been out there?

utterance: just two years now.

utterance: Oh, do you like it, or?

utterance: yeah. It's a good job.

utterance: Cool. where you from?

utterance: I'm originally from Louisiana.

utterance: Oh! OK. Yeah, nice. How often do you go back?

utterance: usually just during Christmas time.

utterance: Aww. OK.

utterance: OK. So I am currently in our scheduler and I wanna go ahead and get you booked. So, is there a specific day that you were hoping to speak with someone?

utterance: Yeah. I can do either a Wednesday or I could do a Thursday.

utterance: OK, let me check on Wednesday first. And what time were you hoping to speak with someone?

utterance: They must. They don't have. They must not have Tamagotchi's in Louisiana. Got it. what's your question?

utterance: what time were you hoping to speak with someone on Wednesday?

utterance: I can do like maybe three thirty.

utterance: OK, let me see.

utterance: And, over the phone, correct?

utterance: Yes. OK, we do have one at three thirty so I'm scheduling you that for now over the phone. What's the best phone number for them to reach you at?

utterance: Let me know when you're ready.

utterance: Yes, I'm ready.

utterance: It's gonna be my company's number. three one zero.

utterance: Mhm.

utterance: Six six five.

utterance: OK.

utterance: Thirty-nine fifty-four.

utterance: OK, and that's three one zero six six five thirty-nine fifty-four.

utterance: That is correct.

utterance: OK, great. You will be receiving a call from them. And is there anything else I can help you out with?

utterance: No. That's that's it. Thank you very much, I appreciate it.

utterance: OK, thank you. You have a lovely day.

utterance: Thank you, you too.


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

utterance: Hi I need to apply for a loan in order to buy real estate. I'm not sure what kind of a loan that is.

utterance: we actually just have call that a real estate loan.

utterance: Oh OK. Then I guess that's what I need to apply for.

utterance: Yes.

utterance: certainly. I mean we have different types of loans from secured loans to real estate loans but let me go ahead and get your information or may I ask what what is the amount of the loan that you are applying for?

utterance: a hundred thousand dollars?

utterance: OK. Yeah. That would be. That would qualify for our real estate loan.

utterance: OK.

utterance: All right. So let me get started here. May I ask your first and last name please?

utterance: my first and last name is Katarina Kingston.

utterance: OK. Great and what is your home address please?

utterance: my home address is twenty-two ninety-four Green Drive in Atlanta Georgia one zero zero nine six.

utterance: Very good and what is your driver's license and the state it was issued in please?

utterance: that's Georgia. G A two seven one six one three.

utterance: Thank you so much and what is your social security number please?

utterance: social security number is one one two six three six nine five eight.

utterance: Thank you Katarina and also let us create a four digit pin number that will be associated with this application. What number would you like to use?

utterance: Twenty-one fifty-nine.

utterance: Thank you and what is your email address?

utterance: My email address is Katarina at Yahoo dot com.

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

utterance: name of my business is well I it's Katarina it's just my name. Katarina Kingston LLC.

utterance: That's the name of your business? OK. Thank you and are you the sole owner of your business?

utterance: Yes.

utterance: Yes I am.

utterance: Thank you and what was the what was the year your business was established?

utterance: twenty twenty of January.

utterance: Thank That's

utterance: I was gonna ask the approximate month. All right. So January of twenty twenty?

utterance: Mhm.

utterance: Thank you and what were your gross sales for last year?

utterance: last year's gross sales were forty thousand.

utterance: Forty thousand? Thank you. Bare with me while I'm uploading this into the system.

utterance: OK.

utterance: Katarina what is your business address?

utterance: business address is twenty-two ninety-six Blueridge Lane and that's Atlanta Georgia one zero zero nine seven.

utterance: Thank you so much and what is the reason for your loan?

utterance: I want to open up a new business.

utterance: OK and what is the real estate cost?

utterance: The real estate cost is. well I would have to buy the property that I'm establishing the business and so it's an old building. It's selling for a hundred thousand dollars.

utterance: Got it all right.

utterance: And can you also tell me what information I need to apply for a line of credit?

utterance: just one moment please.

utterance: OK.

utterance: What is the percentage of your down payment?

utterance: it would be five percent.

utterance: OK. Five percent? All right of a hundred thousand?

utterance: Yes.

utterance: Great. Let me note that here and then I'm sorry your last question was?

utterance: what information do you need for me to apply for a line of credit?

utterance: it would be very similar information of probably would also ask for your tax ID number but the information would be similar. Did you want to do that when we're finished?

utterance: OK.

utterance: that's OK. I'll call another time.

utterance: All right. Well I have input this into the system. I have generated an email that will show you the application and it will ask for some supporting documents. Please make sure you upload that as soon as possible to get your loan moved along. Do you have any other questions today?

utterance: No that's it. Thank you.

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


utterance: Thank you for calling Intellibank. My name is Lucy. I will be assisting you today on a recorded call for customer service. How may I assist you today?

utterance: Hi. I need to change the way my statements are delivered to me every month.

utterance: All right. I'll be glad to help you with that. May I ask who I'm speaking to?

utterance: My name is Lisa Silverberg.

utterance: OK. And can you spell Silverberg for me?

utterance: yeah. It's pretty easy. Silver like gold but silver. And then berg. B E R G like iceberg.

utterance: OK.

utterance: Great. Yeah I figured it was either an E R or a U R. OK.

utterance: Yes. Just

utterance: Pretty self explanatory.

utterance: OK.

utterance: Not to say that you're dumb or anything.

utterance: Oh, no no.

utterance: No, no. Not at all. let's see here. and to just pull up your information Lisa may I have your date of birth?

utterance: eleven twenty-five seventy-nine.

utterance: OK very good. And then there is a four digit security code associated or a or a security code PIN number that we have associated with your account.

utterance: yeah. It's ten twenty-two is the number.

utterance: Ten twenty-two. OK very good. That did go through. And just give me a moment to review your account. Accounts actually. I see you have several accounts with us.

utterance: Oh, I'm only referring to the checking account.

utterance: OK. I do see that you have the business total checking with us. is that the only one that you want to make the change on?

utterance: yes.

utterance: OK. Because I do see that the you have the savings and the credit card with us as well.

utterance: Right. I I only wanna change the checking. Everything else is fine.

utterance: OK. So the checking it looks like you're receiving that a I'm sorry. I. A little static on the line. You're receiving that in the mail?

utterance: yes and I I wanna change it to email.

utterance: All right.

utterance: Yeah I'm trying to be more conscience of how much paper I'm using.

utterance: I I hear that. I I've actually started doing that myself.

utterance: Oh, really. How's it going for you?

utterance: it's it's a lot of work but but I'm happy when I see less junk mail that I have to get rid of or recycle.

utterance: Mhm.

utterance: Do you do you do you recycle at home or?

utterance: Well, we actually don't have a very good recycling program in our city. my husband and I we we separate trash and put them in different bags and then we go down to our local recycling center. We we don't collect money for it like some people do for the bottles. We just bring it there so it gets recycled.

utterance: Wow.

utterance: What a pain. Where where do you live?

utterance: we live in Macon Georgia.

utterance: Oh yeah. Macon. Oh I'm sorry. I didn't I didn't mean to

utterance: Oh, no, no. It's It's. No it's listen we came from a big city in New Jersey and moving to Georgia for my husband's business it's definitely different in terms of the recycling so it's but we felt committed to doing it. But anyway I'm sorry I'm taking up your time. So Lisa can you confirm the address that it's currently going to?

utterance: There's too many things. Yeah.

utterance: yes. It's it's going to twenty-two thirty-four Einstein Lane.

utterance: Great. I I see that here. Thank you. And I'm sorry, I didn't mean to cut you off. I just I see that. here.

utterance: Uh-huh.

utterance: That's

utterance: Fine.

utterance: So what I can take you off the billing that way, but I just wanted to confirm that you still wanted any other I'm sorry. It's been a long day. Any other pertinent information still going to this address?

utterance: Mhm.

utterance: no. I everything else is the same. I don't wanna change anything. I just wanna give you my email address for the checking account number .

utterance: Got it.

utterance: But should we need to contact you by mail this would still be the best address?

utterance: yeah. That's fine.

utterance: Thank you. I it's me. I'm not being very clear so. All right. So give me one moment to access the system and I will take you off the paper billing.

utterance: It's OK.

utterance: Mhm.

utterance: And while I'm doing that, please know that it while this change is effective immediately in our system, it can take up to four to six business four to six business weeks depending on your billing cycle for it to generate. So if you do receive a paper billing in the meantime it doesn't mean that we haven't processed this for you.

utterance: Oh, wow. OK.

utterance: OK? All right. That has been done and can you verify the email address you would like your bills sent to?

utterance: yeah. Lisa Lisa gorgeous girl at Yahoo dot com.

utterance: I I love that. That's a great email. All right. Lisa Lisa gorgeous girl at Yahoo dot com?

utterance: Right.

utterance: All right. One moment. All right. That change is effective immediately so on your next billing cycle that will go out on email even if you still receive a paper billing in the meantime.

utterance: Great. Thank you.

utterance: Certainly and do you need any help with how to access your account online?

utterance: No. I'm I'm good there.

utterance: All right. Wonderful. You have a great day and thank you for calling Intellibank.

utterance: Thank you.


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

utterance: Monica Stevens.

utterance: Okay Miss Stevens, can I get your date of birth?

utterance: One one nineteen sixty.

utterance: Okay.

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

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

utterance: Okay.

utterance: And also for security purposes, can I also get your driver's license or state ID number?

utterance: Yes. It's P G one three three seven four eight.

utterance: Okay. And how can I help you today, Miss Stevens?

utterance: I would like to open up a corporate credit card.

utterance: Okay, we can do that.

utterance: All right, just gonna ask you a few questions.

utterance: Okay.

utterance: what's the name of your business?

utterance: It's Tina Incorporated.

utterance: Okay.

utterance: Is it Inc or Incorporated?

utterance: Incorporated.

utterance: Okay.

utterance: What's the address for your business?

utterance: Eleven eleven Apple Street New York, New York.

utterance: One zero zero zero six three.

utterance: One zero zero six three? Mkay.

utterance: Yes.

utterance: okay.

utterance: And what's your tax identification number?

utterance: it's two three six seven nine zero.

utterance: Okay.

utterance: And also, do you have a PIN?

utterance: Yes, I do.

utterance: Number?

utterance: Okay, let me get the business PIN.

utterance: Four eight seven two.

utterance: Okay.

utterance: All right. Just to get a ballpark, what was your annual gross last year?

utterance: Three thousand. I mean thirty thousand. I'm sorry about that. .

utterance: Thirty thousand?

utterance: Yes.

utterance: Okay. good.

utterance: All right, type that in. all right, look like you're good to go. we have three business cards.

utterance: Okay.

utterance: We have the Silver Pack which has no annual fees, no cashbacks, and no Yeah, just a flat rate. Then we have Gold, which is two percent cashback with a hundred dollars

utterance: OK.

utterance: With a hundred dollar rate. cashback only works with gas, groceries, and I think that's about it. Platinum is two percent cashback, hundred dollar rate but cashback on everything.

utterance: Let's do the Platinum.

utterance: Platinum?

utterance: Platinum, yes.

utterance: Okay.

utterance: All right and we gonna use your name on the account?

utterance: Yes.

utterance: Okay.

utterance: And did you wanna create a new account or connect it to your business account?

utterance: My business account, please. Thank you.

utterance: Okay.

utterance: And can I get the account number to make sure?

utterance: A A zero.

utterance: Wait a minute. Let me. Excuse me.

utterance: It's A A zero zero one four five five six zero zero nine eight.

utterance: Okay.

utterance: Mm type up a couple of. A few things.

utterance: Okay.

utterance: Mm what's it like being a business owner?

utterance: Oh, great. Great.

utterance: it's worth it. If it's something that you really enjoy, it's worth it.

utterance: It's worth it.

utterance: Oh, okay there.

utterance: Yeah. It can be a little tiresome but it's worth it.

utterance: All things. All things with purpose or, like you said, worth it is tiresome. It can be hard. But then that makes it that much more worth it, huh?

utterance: Yeah.

utterance: Yes, oh yes.

utterance: Okay Miss Stevens, everything seems to be OK. Your card will be sent to the actual business account.

utterance: All right.

utterance: Give it one to five business days. most people get it within two or three.

utterance: Oh OK. That's fine.

utterance: Once you get it, it'll be at account alert sent to your email. I'm gonna let you know your balance and your rate and everything else, OK?

utterance: Right.

utterance: OK.

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

utterance: No, that's about it. Thank you, I appreciate your help.

utterance: that's no problem, Miss Stevens. You have a lovely day and thank you for calling Intellibank.

utterance: Okay, bye bye.

utterance: Bye Bye.


utterance: Thank you for calling Intellibank commercial services! This is Steven, how may I help you?

utterance: I'm wondering what kind of commercial loans that you offer?

utterance: yes. We offer turn loans, secured loans, real estate loans and SBA seven A and SBA five oh four loans.

utterance: OK. I I need to buy a new car for my business and Well let let me Let me check my balance from my business total checking account, please?

utterance: Absolutely! Can I have your account number for that account?

utterance: Seven three zero six nine five six eight two nine. And my PIN number is one zero six two.

utterance: Thank you. And can I have your name please?

utterance: Dan Thomas. T H O M A S. And my birthday is May twelfth nineteen sixty.

utterance: Alright, thank you! Let me just go ahead and pull that account up for you. Alright. I've got your account pulled up. And you were just wanting to know the balance of your account today?

utterance: yes. My business total checking account please.

utterance: Yes sir. I'm showing you have a balance currently of thirty-two thousand four hundred and sixteen dollars and eleven cents.

utterance: OK. And Can you tell me if I am earning any interest and is there a minimum balance that I have to keep that checking account at to earn any interest?

utterance: Yes sir. Your account is eligible to earn interest at two percent annually. but you do have to maintain a minimum balance, year over year, of one hundred thousand dollars in that account.

utterance: OK. Alright. I appreciate it!

utterance: Absolutely sir. Is there anything else that I could assist you with?

utterance: I can't think of anything.

utterance: Alright. And before you go sir would you let. Would you like me to give you more information about our online banking so that you can check your account balance and keep an eye on your account at your own convenience in the future?

utterance: yes!

utterance: OK. well we do offer online banking, for no fee, for our customers. And we have a mobile app and you can log on from any internet connected device. And you'll be able to see your statements, all transactions, balances, you can do transfers, wires. Basically anything you can do with us, you can pretty well do on the online bank.

utterance: OK. Is that something you could set me up with today?

utterance: It certainly is. Let me go ahead and pull that page up. And I will just need to confirm a few things. Is your email address still D Thomas at ADC dot com?

utterance: Yes it is!

utterance: Alright. And is that where you would like the communication for you online banking to be sent to?

utterance: Yes.

utterance: OK. And then I have got a username and one time password generated for you, if you're ready to write those down?

utterance: OK. Let me grab something to write with.

utterance: Alright. Not a problem.

utterance: Is your day going pretty good so far?

utterance: yes sir, my day is going pretty good! I I enjoy helping various business people to to manage their finances. So it's always enjoyable.

utterance: All right! My day's going pretty good also. OK. I've got a pencil. I'm ready.

utterance: Well, that's.

utterance: Alright sir. So your username's going to be D Thomas zero zero two.

utterance: OK.

utterance: And your temporary password will be E A seven four three Q.

utterance: OK. I've got that written down.

utterance: Excellent! And all you'll need to do now is go to the Intellibank dot com website, click on the commercial link at the top and login with those details. And it will then prompt you to create a unique password and guide you through the rest of the setup process.

utterance: OK. That sounds great!

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

utterance: I can't think of anything.

utterance: OK. Well there will be a brief survey that will come on the line here in just a moment. If you don't mind sticking around and filling that out to let us know how we did and how we can better service you and your business in the future. And if you have no other questions or concerns, then you have a wonderful evening!

utterance: Alright, thank you!

utterance: Thank you sir. Goodbye!


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

utterance: Hi Beth, how's it going?

utterance: It's going well, thanks for asking. How are you today?

utterance: I'm doing wonderful. So yeah, I. My name's Woody.

utterance: Hi Woody.

utterance: yeah so this is Intellibank?

utterance: Yes it is Intellibank.

utterance: Good.

utterance: OK great. Yeah called in yesterday and then the call dropped. So I'm just I'm just calling back today. I was hoping to speak to someone that could help. yeah, a lot like I said last time I called the call dropped. The previous time I called, the person wasn't really able to access my account. So I'm hoping third time's a charm. I'm. Like what I need to do is actually quite simple. I need to. I need to schedule a loan payment.

utterance: OK yeah, I'd be happy to help you out with that today.

utterance: I I can do

utterance: That with you?

utterance: Yes of course.

utterance: Great.

utterance: OK. Let's do it.

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

utterance: Yeah, so my name is Woody. Well, Woodward is is the full name. And then last name is Black.

utterance: And is that W O O D W A R D Woodward? And then Black. B L A C K?

utterance: Yes.

utterance: Yes.

utterance: Yes, that's correct.

utterance: OK great. And what's your date of birth Woody?

utterance: it's three seventeen eighty-one.

utterance: Three seventeen nineteen eighty-one. OK Woody I am gonna go ahead and pull up your account. Can I start by getting the credit card number on file please?

utterance: Yeah, credit card number on file is forty-four thirty-six zero six seventeen forty-one thirty-two zero four two two.

utterance: OK, and just to confirm that was four four three six zero six one seven four one three two zero four two two?

utterance: Yes.

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

utterance: Absolutely.

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

utterance: Is that the four digit one?

utterance: Yeah that one is four digits.

utterance: OK that's.

utterance: One one three zero.

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

utterance: OK.

utterance: What high school did you go to?

utterance: So I went to Woodstock. Woodstock High.

utterance: And is that W O O D S T O C K?

utterance: Yes.

utterance: OK great. And What was the name of your childhood best friend?

utterance: Childhood best friend is Remi.

utterance: Remi?

utterance: R E M I.

utterance: R E M I. OK great. Thank you for verifying that information for me Woody. I.

utterance: Childhood best friend?

utterance: Nina.

utterance: Nina. Nina OK.

utterance: OK so thank you for verifying that information for me. I was able to pull up your account so gimme just one second.

utterance: Great. Thank you.

utterance: You're welcome.

utterance: You having a good day?

utterance: Yeah, so far so good. I can't complain.

utterance: Good. OK. same, same you know. Almost. Weekend's almost here.

utterance: What about you?

utterance: Glad to hear it.

utterance: Almost. So just the final push.

utterance: I know.

utterance: OK Woody, so I was able to pull up your account. So you said you wanted to schedule a loan payment?

utterance: Yes. I was supposed to schedule this loan payment. would it be possible to do it today? Like if I request it today, like would it go through today or would it go through tomorrow?

utterance: Yes, so fortunately you did call us before two p.m. so it will go through by the end of the business day.

utterance: Yeah.

utterance: So today. It's it's gonna go out today.

utterance: Yes.

utterance: OK great. Can I start by getting your loan account number?

utterance: Yeah, it's seven four three six one one nine zero four seven eight four one one two zero.

utterance: OK that was seven four three six one one nine zero four seven eight four one one two zero.

utterance: Yes.

utterance: OK great. And can I also go ahead and get the bank account number for the account that you want the payment to come out of?

utterance: Absolutely. the bank account number is one one four eight nine six two seven eight seven.

utterance: Mhm.

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

utterance: That's correct.

utterance: OK, can I also go ahead and get the routing number?

utterance: Yeah. Routing number is seventeen forty-eight.

utterance: Seventeen forty-eight.

utterance: One one three eight.

utterance: OK. Seventeen forty-eight zero zero one one three eight, correct? And you said you wanted that payment to happen today, right?

utterance: Yes.

utterance: Today.

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

utterance: actually just one more thing. Could you yeah could you gimme a bank statement?

utterance: Sure, I'd be happy to help you out with that. Did you want a paper copy or an email copy?

utterance: Yeah.

utterance: Email.

utterance: Email would be best.

utterance: Email. And what's the best email to send that to?

utterance: you can send it to Woody Black at Gmail.

utterance: Woody Black at Gmail dot com. OK great Woody. So that should. that should be hitting your account by the end of the business day. If you don't see it in there go ahead and check your spam folder. Cuz some of our clients do find that it ends up there. Is there anything else that I can help you out with while I'm still on the line?

utterance: Yes.

utterance: No. That's that's actually it.

utterance: OK, well I'm so happy to have helped you today. And you go ahead and have a lovely day Woody.

utterance: Thank you.

utterance: Thank you. Bye bye.

utterance: Bye bye.


utterance: Hey, there, thanks for calling Intellibank. My name is Lettuce, and who am I speaking with?

utterance: Lettuce?

utterance: Lettuce.

utterance: OK. That's a interesting name, what what background is that?

utterance: It is Romanian.

utterance: Romaine lettuce, I get it.

utterance: Romaine.

utterance: Lettuce. .

utterance: there we go, what are the Intellibank?

utterance: Intellibank, that's right.

utterance: Oh.

utterance: wanna call about opening up a savings account.

utterance: OK, we can certainly help you out with that savings account, and who am I speaking with?

utterance: Teddy.

utterance: Hey Teddy, nice to meet you. And what's your last name?

utterance: Hi.

utterance: Nice to meet you.

utterance: Savalas.

utterance: Savalas, OK. Teddy Savalas and I'll go ahead and did you already have a checking account with us?

utterance: I do not.

utterance: OK. Sounds good, well we'll go ahead and set you up with a savings account. Could I have your preferred email address?

utterance: Teddy's Teddy's at Gmail dot com.

utterance: Teddy's Teddy's at Gmail.

utterance: Mm-mm.

utterance: All righty, and then what is your mailing address?

utterance: six zero three Wilshire Boulevard, Los Angeles California, nine zero zero five two.

utterance: OK, and can I confirm your social security number?

utterance: Sure can, it is one one zero three four two two five eight.

utterance: Great, and your driver's license number?

utterance: right, can I put you on hold, I need to go get my wallet.

utterance: Sure thing, take your time.

utterance: I mean look, I can't find my wallet. Do you really need this, the driver's license?

utterance: You know, let's just go ahead and skip protocol just for you Ted Ted. And how about your preferred customer pin number, it'll be four digits.

utterance: OK, great. Thank you so much.

utterance: three three five three.

utterance: Three three five three, okey-dokey. And then let's see what else do I need from you, OK, great, so we can go ahead and start your savings account. Will this be a personal or a business savings account?

utterance: We're gonna do a personal.

utterance: Personal OK, sounds good. And then so what we can do is we can set up your savings account, if you're able to deposit a minimum of three hundred dollars, it'll waive your monthly service fee of twelve.

utterance: OK.

utterance: or you can just deposit however much you like if you don't mind that service fee.

utterance: no, no. I definitely don't want a service fee so.

utterance: OK great, so we'll go ahead and deposit the minimum of three hundred, or more?

utterance: we'll do more, we'll go ahead and put three thousand.

utterance: Three thousand, sounds good OK. And so long as your minimum always stays at three hundred, you'll never have to pay that service fee.

utterance: Oh, that's great.

utterance: Absolutely, and then we do have a interest rate of five percent annually, is that OK with you?

utterance: now will that go up at all?

utterance: That won't go up so long as you stay above the minimum of three hundred in your account.

utterance: OK, sounds good.

utterance: All righty, sounds good to me too, and did you have any other questions about your savings account?

utterance: No, what about this traveler's card?

utterance: Traveler's card, sure well that's something you can certainly apply for you can earn some skymiles and those can be applied towards your next trip.

utterance: And why, I wanna sign up for it.

utterance: OK, sounds good, we can go ahead and sign you up for the traveler's card. and then that one does have an interest rate of ten percent annually, there's no monthly service fee of course.

utterance: OK, very good.

utterance: All right, we'll go ahead and add that, and is there anything else I can help you with today?

utterance: well, you can help me find my wallet.

utterance: Well, Darling I wish I could.

utterance: Well yeah, I wish you could to.

utterance: Check your car?

utterance: Well, let me go check real quick, hold on. Hello?

utterance: Still here.

utterance: No, it wasn't there.

utterance: well guess you're shit out of luck.

utterance: Ok, thanks so much.

utterance: OK.

utterance: Bye.


utterance: Good morning! And thank you for calling Intellibank. Home of the smart savings. My name is Richard. How may I help you?

utterance: Hi Richard. How are you doing?

utterance: I'm doing well. May I ask who I'm speaking with?

utterance: I. You can ask. Just kidding.

utterance: OK. I can ask.

utterance: This is Steve Davis.

utterance: OK. Mr. Davis. How are you today?

utterance: I'm doing pretty good. You?

utterance: I'm doing well. I'm doing well. Thank you for asking. So Steve, I know you didn't just call to shoot the breeze. What is it that you're needing help with today?

utterance: Well, I need these here documents notarized. So you know I've been calling around a bunch of these you know notary republics or whatever you call them. You know. Around the neighborhood. They I see the signs.

utterance: Mhm.

utterance: But you know. You guys have notary there right?

utterance: Yes we do.

utterance: OK. So. Yes. So I've been driving around you know the neighborhood as I was saying and well you know I, I, I got to thinking, you know? I don't know these people. And if I give them my documents they're gonna have all my business. Whereas the bank You're FDIC insured, right? That's gonna protect my documents too, right?

utterance: Abs~

utterance: Absolutely.

utterance: Well see, that's when I said, you know, hey, let's call the bank.

utterance: Steve, you made the right move. I'm gonna go ahead and open up your account with us. Do you have your four digit PIN that is associated with your account. There with you?

utterance: My pin? Are you.

utterance: Yes. It's a four digit PIN.

utterance: Sure you need my PIN?

utterance: Six six six six.

utterance: Six six six six. All right.

utterance: There we are Mr. Davis. OK. So. Oh! Awesome. We see we do have one of our diamond checking accounts for your business. So we we appreciate you being a longstanding member with us.

utterance: Been there for a real long time.

utterance: Yes.

utterance: You know how long?

utterance: how long?

utterance: Oh, about seventeen years.

utterance: Seventeen years! That's almost two decades. All right. Well congratulations for staying in business for so long. All right. So I see that we actually have a a branch that is less than two miles away from your business address that we have here on file. Is there a date and time that you had in mind that you wanted to bring your documents in to get notarized?

utterance: Mm let me see here. I guess Well how's next week looking?

utterance: Next week. Were you looking at Tuesday or Thursday?

utterance: You know Let me see in Thursday. Thursdays. Thursday. You watch.

utterance: Thursdays. OK, Thursday.

utterance: You watch Thursday night football?

utterance: I do. I do. I do. So you're wanting to have an appointment on Thursday. So we have some appointment times on Thursday. We have.

utterance: What times do you have?

utterance: We have nine a.m., ten fifteen, twelve thirty, and two o'clock.

utterance: I'll take the nine a.m.. That sounds nice and early.

utterance: Nine a.m.. Steve's an early riser. All right. So. We have you for next week Thursday the twelfth at nine a.m..

utterance: Wait wait wait wait wait. You said nine a.m.?

utterance: Yes.

utterance: What were the other times again?

utterance: There's nine a.m., eleven thirty, twelve thirty, and two.

utterance: You know I just remembered I had a nine o'clock. Let's make it two o'clock. Is that is that OK? Two o'clock? Can I change it? Or is it too late? Did you already punch it in the computer?

utterance: No you can change it. You can change it. And I have you at Thursday at two o'clock. All right Steve. Is there anything else that I can assist you with today?

utterance: Well, lemme see here. I think that's just looking at my documents here to make sure that's it. And it looks like that's gonna be looks like that's gonna be it. I I think. Yeah. That's gonna be it.

utterance: OK. Well, I've enclosed an email that has your appointment date and time. Also has a link to our online banking so if you have any further questions or any other enquiries about the type of services that we provide, it's available to you twenty-four seven.

utterance: All right Mr. Davis. We want to thank you so much for being a long time member of Intellibank. We'll see you Thursday. At two o'clock. Have a great day, sir.

utterance: Thank you. Have a good one.


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

utterance: Yes I would like to apply for a line of credit.

utterance: All right. I can certainly help you with that. Can I have your first and last name please?

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

utterance: All right Mr. Thomas. Let me pull that form up and we'll go ahead and get your application started. All right. Can I have your street address?

utterance: Thirty-six Edgemont Lane.

utterance: And the city and state that that is in?

utterance: Canyon Country, California.

utterance: And your ZIP code for that address?

utterance: Nine, one, three, eight, seven.

utterance: Thank you and then if you could give me your Social Security number?

utterance: Three, nine, five, two, six eight, zero, one, one.

utterance: Fantastic and your Driver's License number and state of issue?

utterance: OK. Hold on just a second while I get it.

utterance: No problem sir.

utterance: OK. I got it.

utterance: All right Sir whenever you're ready.

utterance: O M five, three, D B H A I Q nine. In California.

utterance: All right. Thank you. That's O M five three D V H A I Q nine. California?

utterance: That's correct.

utterance: Thank you and then your authenticating pin number?

utterance: One, zero, six, two.

utterance: Thank you and can I have a good email address that we can contact you at?

utterance: Thomas Customs at Gmail dot com.

utterance: Fantastic and then you were applying this line of credit for a business. What is the name of the business that you're applying for?

utterance: Thomas Custom Cabinets.

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

utterance: I am.

utterance: And when was that business established?

utterance: July sixth, nineteen eighty-one.

utterance: Fantastic and do you know the gross annual sales for your business here?

utterance: That's about two hundred and fifty thousand.

utterance: OK. Thank you and your businesses tax ID number?

utterance: Four, five, six, eight, two, four. five, three, one.

utterance: Thank you very much and then I just need the address of the business itself?

utterance: Seventy-six Sunbeam Drive, Canyon Country, California. Nine, one, three, eight, seven.

utterance: Thank you so much for that and then would you like your mail sent to your personal address or your business address?

utterance: my business address.

utterance: Great. All right and for the details of the line of credit. How much credit limit were you seeking today?

utterance: A hundred thousand.

utterance: OK and the purpose for your line of credit?

utterance: I need to upgrade some machinery.

utterance: All right. So that's a one hundred thousand dollar credit limit for machinery upgrade. Is that correct?

utterance: Yes.

utterance: All right. Thank you very much for that. I will go ahead and submit your application. And you will receive a letter in the mail that will detail the supporting documentation that we will need in order to complete your application process and then if you have online banking you can also go on there to send that documentation in electronically, otherwise you can mail it or fax it.

utterance: OK. That sounds great.

utterance: All right Sir So if you'll just send that documentation in once you get that list, we will be get back to you as soon as we can with the results of your application.

utterance: OK. Your day going good pretty good so far?

utterance: Yes Sir my day is going pretty good. How has your day been?

utterance: Oh not too bad.

utterance: Well that's great to hear. Is there anything else that I can assist you with Mr. Thomas?

utterance: I can't think of anything.

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

utterance: All right you too. Thank you.

utterance: Thank you. Goodbye.


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

utterance: Lynn, I was wanting to open an SBA seven A or apply for a loan? seven A. Is that something I can. I can do with you?

utterance: OK.

utterance: Yes.

utterance: Yes you can sir. You can do it right over the phone. and of course you can do it online, with the mobile app, or even going into in the bank. But I'm happy to do that for you right here.

utterance: Yeah this would probably be simpler. Online it has too many hiccups and the lines at the bank are too long. So.

utterance: I agree. All right. I'll just need a little bit of brief information from you. let me start with your first and last name please?

utterance: OK.

utterance: My name is Ian Blanchard. B L A N C H A R D.

utterance: OK great and Ian is I A N?

utterance: Yes.

utterance: OK great and may I get your four digit pin number please?

utterance: Nine zero three zero.

utterance: Great that just pulls up your account information for me. All right, and what.

utterance: I also have

utterance: My address, three eleven Estoria lane, Los Angeles, California, if you need that.

utterance: Thank you.

utterance: That was actually going to be the next thing I got. Can you just repeat the ZIP code for me?

utterance: Yes it is nine zero zero zero eight.

utterance: Great and then the next thing that I'll need is your Social Security Number?

utterance: Two one three four nine five six zero seven six.

utterance: Six zero seven six. Terrific. Your Driver's License please.

utterance: let's see I think it is five two four six zero seven eight nine two three.

utterance: OK.

utterance: Eight.

utterance: Nine two three.

utterance: Thank you and that was from the state of California?

utterance: Yes, California. I'm sorry.

utterance: OK.

utterance: That's OK, and the best email address for us?

utterance: It is E and B at Baker dot com.

utterance: At Baker dot com. OK and is E N B one word or is there a period anywhere in there?

utterance: Oh no, it's one word. E N B. Yeah.

utterance: Great.

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

utterance: Yes I am.

utterance: Great.

utterance: I'm the Blanchard banker. Blanchard baker. Whatever.

utterance: Blanchard baker who banks

utterance: Blanchard baker.

utterance: It's.

utterance: At Intellibank.

utterance: It's.

utterance: It's a tongue twister that's right, yeah.

utterance: It sure is.

utterance: And what year did you establish your business?

utterance: That was in two thousand and five.

utterance: Two thousand and five. That's a whole lot of pies.

utterance: That's a lot of pies.

utterance: And what. What would you say your gross annual sales were? You can choose two thousand nineteen or twenty. I would just choose the year with the highest sales.

utterance: Well they're both about the same. A hundred and seventeen thousand.

utterance: Great OK. Congratulations on not having your business plummet during this time.

utterance: Right, no, people really like their pies They do.

utterance: People love their peach pies when they're

utterance: Binge watching and staying home.

utterance: And they don't want to cook them so that. That's works for us.

utterance: Hey when it first started I was all about the baking and after about a month I'm like all right I'm done.

utterance: Yeah, no. It lost it's luster.

utterance: Couldn't find yeast either. All the yeast was sold out.

utterance: We bought it all.

utterance: of course. All right and what is the address for your business?

utterance: Yeah.

utterance: It is three two nine. I'm sorry back that up. Two nine eight nine Oak Court and that's Los Angeles. Nine zero zero zero eight.

utterance: OK great. and Ian is your mailing address the same as your business address?

utterance: Yes. They are the same.

utterance: OK, terrific. now regarding the loan, you can apply for up to ten years. The interest rate is two percent and it will stay fixed for that entire time. And there is no penalty if you pay in pay it off in advance. So how much would you like to take out for the loan and how long would you like to carry it?

utterance: You said you can do a ten year term for a two percent.

utterance: Yes because it is an SPA loan and it is backed by the federal government.

utterance: OK good to know. Let's do eighty-five thousand but we'll carry the ten year term and we're gonna go probably and put. Let's just put twenty percent on it.

utterance: OK.

utterance: OK the twenty percent down payment?

utterance: Yes twenty percent down.

utterance: OK great and that will be due upon approval if you're approved. and that would be due within the first forty eight hours. So I'll put that down here. OK and I do see that you're also You carry our Business Total Checking. So upon approval we can have the funds routed directly into that account. Is that all right?

utterance: OK.

utterance: Yes, that's perfect.

utterance: OK great. I just sent you an email confirmation and a link to upload your tax ID and your Driver's License. So we have photo documentation. Once you do that your application is complete.

utterance: Awesome. That was easy.

utterance: Great.

utterance: Yeah it is really easy and you'll find out the results within seven to ten business days.

utterance: Great.

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

utterance: No. That's been it.

utterance: Thank you and have a great day.

utterance: Thank you.


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

utterance: I need to well first of all, I have a business total checking account, and I currently have mailed paper statements. And I was wondering if you offered paperless statements?

utterance: Yes, we certainly offer paperless statements. And would you like to go ahead and get that switched over for that account?

utterance: yes I would.

utterance: All right. I can definitely help you do that. Can I have your name please?

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

utterance: Thank you. And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: All right. And can I have the account number for the account you would like to switch?

utterance: hang on just one second, let me grab it.

utterance: No problem. Please take your time.

utterance: OK, I've got it.

utterance: All right sir. Whenever you're ready just please read that number off for me.

utterance: Seven three zero six nine five six eight two nine.

utterance: All right. That is seven three zero six nine five six eight two nine. Is that correct?

utterance: Yes it is.

utterance: All right sir. And then can I have your authenticating pin number?

utterance: One zero six two.

utterance: All right, thank you for providing that information sir. I have verified and pulled up your account. And we're going to switch this account statement delivery to paperless. Is that correct?

utterance: Yes it is.

utterance: All right sir. And can you confirm the email address that you would prefer to have those statements sent to?

utterance: D Thomas at A B C dot com.

utterance: All right sir. That's D Thomas at A B C dot com. Do I have that correct?

utterance: That is correct.

utterance: Excellent. All right. I've gone ahead and got that switched over, so you will no longer be receiving mailed paper statements, and you will now be receiving emailed electronic statements. you may receive one more statement mailed to you, depending on when your banking period closes. but that should be that last one that you'll see.

utterance: OK, that sounds great. And will I be able to review past statements?

utterance: you will be able to review your past statements as you get them in your email. if you save them to your computer or keep them saved in your email. Or if you would prefer I can get you set up with online banking where you will have access to all of your statements including those that were not emailed to you from before.

utterance: OK yes. Let's do that.

utterance: All right sir, let me go ahead and pull that up.

utterance: OK, and so do you want the communication for that to be sent to D Thomas at A B C dot com as well?

utterance: yes please.

utterance: All right. And then I have a username and temporary password ready for you when you are ready to write them down.

utterance: OK, just a second.

utterance: Not a problem sir, take your time.

utterance: OK, ready.

utterance: All right sir. Your username is going to be D Thomas zero zero one.

utterance: OK.

utterance: And your temporary password will be capital L capital K seven three capital C one.

utterance: OK.

utterance: All right, and then to complete the setup process you will just need to go to Intellibank dot com. Click on the commercial banking tab at the top, log in with those credentials. It will then have you create your own unique password and it will then guide you through the rest of the setup process.

utterance: OK, that sounds pretty easy. Your day going pretty good so far?

utterance: Yes sir, my day has been going pretty great.

utterance: All right, that's great.

utterance: Yes sir. Is there anything else that I can assist you with today?

utterance: I don't believe so.

utterance: All right. Well if you don't mind to hold on the line, there will be a brief survey you can fill out and let us know how we did today and how we can better service you and your business needs in the future.

utterance: OK, I do appreciate it.

utterance: Not a problem sir. If there's nothing else I can do for you then I thank you for being an Intellibank customer, and you have a great evening.

utterance: All right, you too.

utterance: Thank you.


utterance: Thank you very much for calling Antele bank this is David, how may I be of service to you this lovely evening?

utterance: Hey David, How can you help me? Well the company's made some few changes

utterance: Excuse me, may be we've move buildings for kind of our head quarters for accounting purposes well, every thing kinda staying in the same spot, this is gonna be moved to the side, kinda separated from our from our other operations, you know, kinda give them part of the privacy. It opens up the floor space for us to do a bit more things, in terms of our manufacturing and and then storage

utterance: So, do I understand this right, that you are moving offices?

utterance: Yes, one of our one of our department is is moving to a separate office space.

utterance: So, are you looking to update your street address today?

utterance: Yeah, yeah, I think we, I think that's what we are looking for, looking to do for for the kinda department.

utterance: Ok.

utterance: Well, that should not be a problem as long as you have all the correct information so, to get started with that, I'm gonna need to pull up your account so, to do that, I'm gonna need your first and last name as it appears on the account, and your date of birth.

utterance: Already? first and last is Bill Michelson and date of birth is February first nineteen eighty-one.

utterance: All right. And I'm going to need your account number and your four digit pin.

utterance: Ok, give me, give me one second bring that up, I gatta run over to accounting real quick.

utterance: Absolutely, not a problem, please take your time.

utterance: Ok, I'm back. The accounting number is one seven account number is one seven two one nine four and the associate pin should be six one four six. We do have two, two four digit number here I was gonna give you the second one, just in case it's what we are looking for.

utterance: Ok please.

utterance: That's one nine eight seven.

utterance: All right, the one nine eight seven was correct.

utterance: Ok.

utterance: Now, it looks like you have multiple accounts here.

utterance: Mhm.

utterance: but you can change in the address for all of these accounts.

utterance: Yeah, I believe so, we're changing the the silver business account, as well as the is it, is it, I believe it's like platinum plus business account as well. I believe we have two with you?

utterance: I'm only seeing one business account that would be the Antele bank business platinum and that is our business credit card. I'm seeing that and I'm seeing a checking account.

utterance: Ok. Then Yeah, sorry, it's the Antele bank business platinum. That one as well as, I suppose, that checking account that's there.

utterance: Ok. Then all I have to do is, ask you a couple of security questions and then we'll be able to go ahead and move forward with changing your address so, I'm gonna need your mothers maiden name.

utterance: Goden.

utterance: And I'm gonna need the street that you grow up on.

utterance: it's gonna be .

utterance: And the name of your first pet.

utterance: Goofy.

utterance: Great. And I just need you to confirm the current street address that you're at.

utterance: Oh yeah no problem. That's five two zero six Madewell avenue, that's in Tustin California nine one one four four.

utterance: Thank you very much, that is the address that we have on file for you. And what is your new address gonna be?

utterance: Two zero one Madewell avenue tustin California, nine one one two two.

utterance: All right okay that is updating right now, and that is done. Your address has been changed.

utterance: Excellent.

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

utterance: Oh no, that's that's all we need right now.

utterance: Then thank you so much for calling Antele bank and you have a wonderful rest of your day.

utterance: Thank you.

utterance: Bye.


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

utterance: Oh, hello. My name is Caroline. I am just calling back called a little while back about the current value of stock.

utterance: All right. No problem.

utterance: And I I was wondering the the yield on my old treasury bond.

utterance: OK. no problem. I can go ahead and help you find the yield of your treasury bond.

utterance: First, I will gather some pieces of information from you. So, first, can I have your name and date of birth?

utterance: OK. My name is Caroline Peterson.

utterance: And my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right, thank you for that. And can I have your PIN number?

utterance: my PIN number would be three five four six.

utterance: All right. All right, thank you for that.

utterance: so what is the time period of your bond?

utterance: It will be three months, actually.

utterance: Three months. OK.

utterance: Yeah.

utterance: All right, one second while I pull that up.

utterance: All right. Should be pulled up shortly.

utterance: All right, so the yield is, let's see, one point one percent.

utterance: OK. what are .

utterance: All right, and Did you have any other questions?

utterance: I was wondering do you guys offer the. Is it the business plus card? I'm not sure about that.

utterance: Oh we have a business platinum card.

utterance: Oh yeah.

utterance: Yes, so we do have a business platinum card. And it's one of our highest ranking credit cards and it's high rewards and low fees. And if you will like to apply for one or learn more about it, you can go on our website.

utterance: OK. could I just come in one of your branches in person?

utterance: Yes, absolutely. You can come in person at our branch, too if that's more convenient for you.

utterance: OK, and, how is the weather over there?

utterance: Oh the weather's so nice, thank you for asking. How's the weather with you?

utterance: Also so nice. It's really really warm and quite sunny. Great weather for going outdoors.

utterance: Yes, absolutely. Because where I live, it's been rainy for a week. So, it's good to have warm weather.

utterance: That's good. And I was wondering, do you guys offer a credit card?

utterance: yes, so besides our besides our business platinum card, we also offer. our gold card and silver card.

utterance: And they're not as high reward as our platinum card, but they are definitely, still very valuable if you want to know more about them we can go on our website.

utterance: Oh OK. And what are the requirements for one to get the card?

utterance: So, a a requirement is that you have an account with us, which you do. And also for the gold card it's required to have a one thousand minimum balance. And for the silver card, five hundred balance.

utterance: OK. That's good to know.

utterance: Absolutely, and would you like to know about online banking?

utterance: yes, please.

utterance: Yeah, so online banking is through our app.

utterance: You could download it and you could do pretty much everything that you do at a branch, except for cash deposits, you could do online on our app such as making check deposits or making transfers or checking your account balance or transactions. You could do it all through our mobile app.

utterance: . And could I also request or replace my old credit card?

utterance: Yes, absolutely. You could do that online as well.

utterance: Oh, that's good to know. And is it only on the website or also through the app?

utterance: so, yes. We have the website also that you could do online banking, however, you cannot make check deposits to the website. That would be through the app only.

utterance: Oh, OK. so, it's only on the app that I can only deposit a check, not on the webpage?

utterance: Correct.

utterance: Oh, OK.

utterance: I'll go to that branch, and I'll try out, I'll try the app very soon to see how it will make my life more easier.

utterance: All right, no problem. Do you have any other questions?

utterance: No, I don't have anymore.

utterance: All right, have a great day.

utterance: You too.


utterance: Hey this is Pat with Intellibank. How can I help you?

utterance: Hey Pat, this is Jack. Jack Hughes here.

utterance: OK.

utterance: so I'm calling cuz I have an account I have an account with you.

utterance: Uh-huh.

utterance: I've had an account with you for a few years now. You know I have a few bank accounts. but Wells Fargo is no good.

utterance: OK.

utterance: OK.

utterance: You know Bank of America I hear they're going under. You know. And and every time I show up to a new location it's not operational.

utterance: Yeah.

utterance: Right.

utterance: Chase. You know. Chase has never quite been my favorite. and I've been with you with you folks for a while now.

utterance: Yeah.

utterance: and and and and it's been OK. You know every time I call up you're pretty friendly. yeah. Except I you know, I definitely don't don't like some of your your fees online. They kind of don't make sense but.

utterance: Yeah, OK.

utterance: You know?

utterance: I mean. It's just neither here nor there.

utterance: So.

utterance: Yeah.

utterance: You know. But yeah like I. You know I I I've used different services with y'all. I've I've I I have a checking account.

utterance: Mhm.

utterance: OK.

utterance: I have a checking account. I also have a. It's it's a preferred checking account.

utterance: OK.

utterance: that one I believe is is two years old. But I also have a savings account. That's a newer account for me. I think that's maybe not even a year old. I I. you'd probably be able to look it up on your end.

utterance: OK.

utterance: if you look it up. If you look it up. But yeah, I I have regular deposits that really they go into the checking account pretty regularly. Pretty regularly. but one thing I do need is I I need an actual statement.

utterance: Mhm.

utterance: OK.

utterance: And.

utterance: OK.

utterance: So you can. You know electronic statement.

utterance: Yeah I can I can send you that. you you want me to send that to your email? Or do you. OK yeah. OK.

utterance: yeah yeah yeah.

utterance: Jack Jack Hughes.

utterance: Well I'm I'm gonna need a bit of information before I can do that So Jack Hughes. What's your date of birth?

utterance: Oh. OK.

utterance: date of birth is five.

utterance: Mhm.

utterance: Nineteen eighty-seven.

utterance: Mhm.

utterance: Five nineteen eighty-seven? And what's your PIN?

utterance: That's right. Yup.

utterance: PIN is five five three zero.

utterance: Five five three zero? And what is your address?

utterance: Yup.

utterance: Oh address. Address is three one five Sherry Mountain.

utterance: OK.

utterance: Yep. And that's that's that's in Dahlonega. Dahlonega Georgia.

utterance: And the ZIP?

utterance: the ZIP is three zero zero six one.

utterance: OK. All right. So you want your bank statement. I can do that for you.

utterance: I do. I do.

utterance: If you could send that like right now. That'd be.

utterance: OK.

utterance: You said email.

utterance: Right.

utterance: so that's the

utterance: The Jack Hughes.

utterance: The Jack Hughes.

utterance: The the Jack Hughes muse.

utterance: Jack Hughes muse. Got it.

utterance: At at Yahoo dot com. Yup. Can can you send that right now?

utterance: Jack Hughes muse Yahoo.

utterance: Yeah. Yeah. Sent that right.

utterance: OK hold on. I don't see it.

utterance: Now and

utterance: Well it might take a few minutes

utterance: Is this?

utterance: Is this snail mail or is this Gmail?

utterance: No it's it's it's Gmail.

utterance: A few minutes?

utterance: Yeah. Yeah. No it it really depends. Sometimes it's the media sometimes it takes a little bit but if you refresh. Oh. OK good.

utterance: Oh Oh, I got it. I got it.

utterance: I got it. OK. All right. So so that's good. Oh one last thing.

utterance: OK.

utterance: All right.

utterance: Uh-huh.

utterance: I need to make an appointment with the with the notary ASAP.

utterance: OK.

utterance: OK. Yeah yeah I can do that.

utterance: Could could could you set that up?

utterance: Yeah yeah I could set that up. what is the what's So next week it looks like I've got Tuesday at three with Susan and I have Friday at At eight a.m. with Carl.

utterance: Yep.

utterance: Yep. Yep.

utterance: OK.

utterance: Which one would you like to go with?

utterance: Carl? Did you say Carl?

utterance: Yeah.

utterance: I know a guy name Carl and I hate that man and I just don't. I don't wanna bring that prejudice towards this Carl so.

utterance: OK.

utterance: So we can do Susan, and do you wanna to do that online or in person?

utterance: Susan. Susan.

utterance: Online.

utterance: Online. I have a big day, so you know. Zoom?

utterance: OK.

utterance: OK.

utterance: Yep. Yep. OK. So we've got that down. is there anything else I can help you with?

utterance: All right. Great.

utterance: let's see. At this point I'd Oh so one more thing.

utterance: Mhm.

utterance: I was gonna make sure you had the right phone number.

utterance: OK.

utterance: cuz I think you had it incorrectly. you had the wrong number?

utterance: Like have you called me in the past?

utterance: no I've. We've we've we've been just fine with that. But

utterance: Oh OK yeah. And and so essentially I like I. I I'm looking for like want a want a little more about your loans. Do you have like a a special loan? It's like a TB.

utterance: Oh that that the SBA? The SBA loan?

utterance: Right.

utterance: Can you can you email me more information about that loan?

utterance: Yeah. I can I can send you an email right now about that.

utterance: OK.

utterance: When I'm ready.

utterance: I'll reach back out.

utterance: And then you know I can send you an email about that and then.

utterance: I have one more question.

utterance: Yeah.

utterance: I have one more question. with the with the statement cuz I also have a savings account. Could you send the statement for that? OK. so I'm good with that.

utterance: Yeah.

utterance: Yes. Yes.

utterance: OK.

utterance: All right. Thank you.

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

utterance: That's it.

utterance: All right. You have a great day.

utterance: You have a better one.

utterance: All right. Thank you.


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

utterance: Yeah I wanna change my email address.

utterance: Not a problem at all. I'll be glad to assist you with that mam and I'll just need to ask a few questions in order to get your account pulled up. Is that OK?

utterance: That's fine.

utterance: And first of all if I may ask, what's your first and last name mam?

utterance: Evelyn Richards.

utterance: OK and Ms. Richards what is the name of the business that has an account here with us?

utterance: Sally's hair salon.

utterance: OK. Ms. Richards I've gone ahead and pulled some of this up for you. I just need to verify your account because we take account security very seriously here and it's really for your protection so if you would just answer a few questions so that I can verify your account is that all right?

utterance: That's just fine.

utterance: Alright. And Ms. Richards let me just ask, what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: OK and Oh Ms. Richards if you would let me know. What is your address for your business?

utterance: One zero seven five Laymen Court. Smyrna, Georgia.

utterance: OK. I'll repeat that for you. That's one zero seven five Laymen Court Smyrna, Georgia. And what's the ZIP code mam?

utterance: It's three zero zero zero two.

utterance: That's three zero zero zero two, is that correct?

utterance: Correct.

utterance: Alright! And

utterance: Ms. Richards if you would let me know. What is the account number for your business preferred account?

utterance: OK. Hold on just a second.

utterance: OK yeah. I'll be happy to hold while you get that info.

utterance: All right just a minute. Let's see. OK, I have it.

utterance: OK. Go ahead.

utterance: Nine eight four six five nine one.

utterance: OK. That's nine eight four six five nine one, is that correct?

utterance: Yes.

utterance: OK and one more question here before we can proceed Ms. Richards, if you would just let me know. What's the PIN number that you have for your account?

utterance: One oh oh one zero one seven.

utterance: OK. I'll repeat that just to make sure I got that correct. That's one zero one seven, is that correct?

utterance: Yes, that is correct. And by the way I I also would like to know what my payment due date is on my five hundred loan.

utterance: I certainly happy to assist you with that. yes, mam. It appears you also do have a SBA five oh four loan with us is that correct?

utterance: That's right.

utterance: Not a problem at all and yes it appears that your SBA five oh four loan is tied to your business. Preferred account number I can go ahead and tell you what that is now. it appears that your payment, you said the payment due date is that correct or what was the question again?

utterance: Yes I would like to know what when my payment due date is.

utterance: OK. It appears that your next payment is due on October the twenty-fifth for the amount of five hundred forty-nine dollars and thirteen cents.

utterance: OK. Alright so on October twenty-fifth. And the amount is five hundred forty-nine dollars and thirteen cents.

utterance: That's correct on October the twenty-fifth there's the due date for that payment.

utterance: OK well, thank you very much.

utterance: Not a problem at all. And let me go ahead now and make sure we get that number changed as you requested. What is the partly the new email address that you wanted to add to the account?

utterance: OK. The new email is E dot Richards at SHS dot com.

utterance: OK and also you did mention you wanted to update your phone number as well. What is the phone number that you wanted to add to the account.

utterance: Alright. It's six seven eight two zero two four two five three.

utterance: OK. That's six seven eight two zero two four two five three, is that correct?

utterance: That's correct.

utterance: Alright. I was able to go ahead and update both the email and phone number as requested there for you. as well. and it appears that our system was able to process that request and your phone number has now been updated as noted as well as your email address.

utterance: That's good.

utterance: And Miss Richards let me just ask is there anything else I can assist you with?

utterance: No there's nothing else for today.

utterance: Alright, well if there is nothing else Ms. Richards we certainly do appreciate you giving us a call today and we of course do value your business.

utterance: Alright, well I appreciate that.

utterance: You have a terrific day.

utterance: You too.

utterance: Bye bye now.

utterance: Bye.


utterance: Hello and thank you for calling Intellibank. My name is Cassandra. How can I help you today?

utterance: Hi Cassandra. I am interested in applying for a a S SBA five oh four loan?

utterance: Oops. I'm sorry. It's a SBA seven A loan. But I wanted to know what information was needed before the loan can be processed. Could you give me a list of required business documents? Also, the best way to send those in?

utterance: Absolutely, sir. I can definitely give you that information over the phone. but first, could I have your first and last name, please, so I know to whom I'm addressing?

utterance: Yes.

utterance: My first name is William. Last name Grayson.

utterance: All right, Mr. Grayson. Thank you so much for answering that. Of course, I'll give you a list of that information. Would you like me to go ahead and send that to you via email?

utterance: can you send it to me through email?

utterance: OK, sir. I looks like your information is on file with us.

utterance: OK.

utterance: I'll just look that up so I will send this on to you. But I'll also give you that list of information over the phone just for your reference. If that's all right?

utterance: Yeah, that's all right.

utterance: All right, sir. regardless of which loan you're applying for. We normally need this particular information. So first, we would need your business license.

utterance: OK.

utterance: We would need two years of personal tax returns.

utterance: All right.

utterance: We would then need two years of business tax returns.

utterance: OK.

utterance: And then we will also need two years of year-end financial statements from you.

utterance: OK.

utterance: OK and along with that we'll need we'll have to process your application with all the information within your business information so you can actually process all that information and then send those files in to us, sir.

utterance: All right, of course.

utterance: And all right, sir. And we would recommend that you send this is in via fax. We also offer, if you're one of our online banking clients, you can also upload those documents for your loan processing and that will actually tie that information to your account so we could process it a little bit better.

utterance: OK. Sounds good.

utterance: Yes. It'll allow us to verify all your documents right through the application.

utterance: OK.

utterance: All right, sir. And but if you don't have online banking with us I would like recommend you send us in via fax. Would you like that fax number, sir, just in case?

utterance: Yes.

utterance: OK, sir. Will you write this down?

utterance: Yes, I will.

utterance: OK. That fax number is five seven three.

utterance: All right.

utterance: Four four nine.

utterance: All right.

utterance: Five seven five seven.

utterance: OK. Got that.

utterance: OK, sir. We also require a few more documents. If you can, you could just give me a moment while I look up the additional document requirements in our system.

utterance: Absolutely.

utterance: it was really cold here for. It was really cold here for a while and then all of a sudden it was seventy-two degrees and sunny. Man, this weather has been insane.

utterance: How's the weather in your location?

utterance: Oh, sir. It's actually been doing the same here. I can actually admit that. Last week it was actually very cold. I think we got around forty-two degrees? And so now it's about seventy-five out so. It's really crazy here.

utterance: It really is.

utterance: Yes, and my youngest has already gotten sick off of the change in weather.

utterance: this is sick weather. It's sickophonia.

utterance: Absolutely, sir. Absolutely.

utterance: All right, sir. It looks like those documents are the only documents we have listed there we'd require. Again, we would need your business license. Two years of personal tax returns. Two years of business tax returns and two years of year-end financial statements. And sir, I also went ahead and sent that through to your email address so you'll have that for reference. All right?

utterance: All right. Sounds good.

utterance: OK, sir. And if you apply for a term loan, secured loan, SBA loan of any type you can always go online at Intellibank dot com through online banking and apply or you can also call us here and we can help you do the loan loan application process and send that and process that through our system and then you can go ahead and send those documents to us at your convenience.

utterance: All right.

utterance: OK, that sounds good.

utterance: All right, sir. Is there anything else I can help you today, Mr. Grayson?

utterance: Oh, no. That's it, Cassandra. Thank you for your time.

utterance: All right. Thank you so much, sir, for your time and and your patience. Again, my name is Cassandra and I hope you enjoy the rest of your days.

utterance: And you too.

utterance: And your holiday as well, sir.

utterance: Thank you very

utterance: Much. And you do the same.

utterance: Thank you, sir. Bye bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank customer service. My name is Sandra. How can I help you?

utterance: Hi Sandra. I'm just calling today cuz I wanna set up an automatic credit payment for the credit card at through Intellibank at Zion Intellibank platinum card. and I also wanna schedule a loan payment. A loan to get it all back three years secured loan.

utterance: I can definitely help you with those two things. Can I start with your name and date of birth?

utterance: Absolutely! This is Tommy. That's my first name T O M M Y. My last name is Shoban. And that's S H O B A I N. Date of birth is July nineteenth nineteen eighty-five.

utterance: Thanks for calling, Tommy. And thanks for using Intellibank for all your banking services.

utterance: Mhm.

utterance: can I please have the PIN associated with your account?

utterance: Yes. It is four six two one seven nine three eight.

utterance: Thank you for using such a secure pin to secure your Intellibank account. I've pulled up your account. And can you please verify the credit card number for the credit card you'd like to pay of?

utterance: Oh that credit card number is one zero zero seven two nine five three eight one zero one two five five eight.

utterance: Great! Thank you so much for that number. what is the bank account you would like to pay from?

utterance: So, that's going to be my Intellibank preferred checking which I will recite to you. Let me see. one four four four three nine two one seven nine.

utterance: Thank you so much. And that routing number for that account?

utterance: Absolutely. It is seven two one zero zero eight three five nine.

utterance: Thank you so much for those numbers. OK. I did you have a date of each month that you would like to pay the automatic credit card payment on?

utterance: Let's see. I will go with the twenty first of each month. Kinda wanna take care a moment personal records.

utterance: sounds great! Is there an amount or you would like to specify or for the balance each month?

utterance: let's do one hundred twenty-five dollars every month.

utterance: OK. Sounds great! So, I have put in the automatic payment schedules. for the twenty first of each month starting with the twenty first of this month November for the amount of one hundred twenty-five dollars to the credit card ending in two five eight eight, and you'll receive an email confirmation with that soon and with each month's payments.

utterance: Mhm.

utterance: OK.

utterance: There's also a loan payment that I can help you schedule?

utterance: Yeah. Let's take care of that as well.

utterance: Great! So, it's under the same name account? . OK. Thanks for verifying that. what is the loan account number?

utterance: Correct.

utterance: It is seven eight four five three nine one zero.

utterance: Thank you for that. I'm pulling up the loan and I do see that loan. what is the amount you would like to pay the loan of each or or for this current schedule payment?

utterance: just for right now it'd just be three hundred dollars.

utterance: Three hundred dollars. OK. I can do that. And will it be from the same bank account and that you pay your credit card off with?

utterance: Yes.

utterance: Just use the same.

utterance: OK. Great. I will transfer that information over. And when would you like this payment to be scheduled for?

utterance: Also the twenty first.

utterance: Twenty first. OK.

utterance: Of this month.

utterance: Yes, of this month. OK. I will I've scheduled the loan payment of three hundred dollars for the loan account ending in three nine one zero. for the twenty first of this month which is the same as the automatic credit card payment date. yo- you I'd like to let you know that you are also able to schedule automatic payments for your loan each month in the similar fashion to how we schedule the credit card payments. You can also access that online via our portal at Intellibank dot com.

utterance: Is there a banking app too?

utterance: Yeah. There's an app you can download from the app store for both iOS and android if you just look up Intellibank you will find our mobile banking app.

utterance: Great! And that that's free, right?

utterance: Yeah. The app is completely free. No fees hidden to use the app. you'll be receiving an email shortly about the loa- loan payment confirmation as well. And Yeah. I hope that I've answered all your questions today. Is there anything else I can help you with?

utterance: No. That's perfect! Thank you so much for helping me get this done in almost five minutes. Wow!

utterance: Yeah. Thank you for calling Intellibank. Have a great day!

utterance: You too. Take care!


utterance: Oh thank you for calling Intellibank. This is Bill. How can I help you?

utterance: Hi bill. My name is Alfonsa.

utterance: Hi Alfonsa. Well you know it's funny we have an Alfonse who works here.

utterance: An Alfonse?

utterance: Yeah how about that?

utterance: Oh wow!

utterance: what can we do for you today?

utterance: I was hoping to discuss loan options for my small business.

utterance: Oh fantastic. What kind of business do you have?

utterance: I have a business where we make we we up cycle aluminum cans and other small pieces of metal material and then weave them into yarn that is then primarily used for cat clothing. Like for cats.

utterance: Mhm.

utterance: Well that's fantastic. Oh.

utterance: OK. Yeah. People love cats right?

utterance: Mhm.

utterance: They sure do.

utterance: Well it's fantastic. Do you do you have an account with us already current?

utterance: I do yes.

utterance: OK great.

utterance: Intellbank.

utterance: Intellibank. Yes. great well let's get your credit card information. We'll get your account up and we'll get going.

utterance: Intellibank, yes.

utterance: OK great.

utterance: Why do you have a type number?

utterance: are you? You're asking for my credit card number?

utterance: Ya does. To open your account.

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

utterance: OK.

utterance: Three three one seven.

utterance: Fantastic and your date of birth?

utterance: That would be November third nineteen seventy-five.

utterance: Fantastic and just for security reasons. The name of your first pet.

utterance: Mhm.

utterance: Sissymidi.

utterance: Sissymigi there we go. OK so you were looking for a loan. There we go. OK you are not outstanding with our company. are you the sole owner of this business?

utterance: Absolutely.

utterance: Absolutely great. And how long has this business been out. When did you establish?

utterance: Two years ago.

utterance: Two years ago. And what would you say your annual sales are?

utterance: You're going to be surprised.

utterance: Hey, lay it on me.

utterance: Five hundred thousand dollars.

utterance: You were doing very well.

utterance: Ya.

utterance: Wow! Well I think we can probably go ahead and get something going for you. What are you using the loan for?

utterance: Oh I need a a new piece of equipment.

utterance: OK.

utterance: For strengthening the yarn that's made from the recycled cans and such.

utterance: Oh, OK.

utterance: Gotcha sure. Yeah, you need that. And how much does that go for?

utterance: Yeah. Mhm. Yeah.

utterance: It's about ten thousand. I could pay for it myself but I just I want to take a loan out.

utterance: You want to take a loan out. Yeah. That makes sense to me. OK. Yeah, absolutely.

utterance: Yeah.

utterance: It does?

utterance: Great. Thank you.

utterance: Great.

utterance: Will it? Once I have a question. When I take the loan out. I pay back the loan.

utterance: Mhm.

utterance: And then does that enhance my?

utterance: Credit?

utterance: My credit.

utterance: Absolutely.

utterance: It does right?

utterance: Yeah.

utterance: Is that something you're looking for?

utterance: It's a strategic plan that I I am trying to.

utterance: Of course. Yeah.

utterance: Of course.

utterance: Yeah, look for that.

utterance: OK. Well, I just want to get some information about the business. do you have your tax ID number on you?

utterance: Is it a nine digit a nine digit code?

utterance: Correct. Yes, it is.

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

utterance: Great and can you give me the business address? With the street address the city and the state and the zip.

utterance: Three seventeen Diamondback Road Lane. Prefecture North Dakota.

utterance: Yeah.

utterance: Uh-huh.

utterance: Sure, and that ZIP?

utterance: Nine zero eight four two.

utterance: Fantastic. Is the mailing address the same there?

utterance: It's not.

utterance: OK can you give me that please?

utterance: The mailing address is. It's also in Proctor, North Dakota nine zero eight four two. But it's gonna be on Lucinda Williams.

utterance: Mhm.

utterance: Sure.

utterance: Road. One one four four.

utterance: OK fantastic. All right. so we can secure that loan for you for ten thousand dollars.

utterance: Oh wee!

utterance: It'll be interest-free for about a year.

utterance: Uh-huh.

utterance: After that it goes to a five percent interest rate.

utterance: OK. I'll pay it back before that it incurs.

utterance: OK.

utterance: OK pay it back the you owe.

utterance: Yeah, you owe no interest money on that.

utterance: Uh-huh.

utterance: that's great! congratulations on everything. Is there anything else we can help it you with today?

utterance: Ya, will I be able to apply for another loan until I pay this loan off?

utterance: Well of course if you pay this one back with no penalties or anything like that. Yeah, you'd be in good standing here in Intellibank.

utterance: Uh-huh.

utterance: OK great.

utterance: So I'd say why not? are you foreseeing a different loan purpose?

utterance: Yes. Ya.

utterance: OK do you want to just go ahead and add that on to this and you can get a bigger loan.

utterance: I would like to do that. Yes.

utterance: What is the purpose of the second part?

utterance: I want to branch my business out a little bit.

utterance: OK.

utterance: And I want to include cat adoptions.

utterance: Sure OK.

utterance: In my business so I'd like to hire a couple of employees.

utterance: for the cat adoption purposes.

utterance: OK fantastic.

utterance: Mhm.

utterance: Well, we have a twenty thousand dollars and that interest rate will be at six percent year.

utterance: OK.

utterance: OK, great.

utterance: Sounds very doable.

utterance: All right! Well this has been a very successful call I would say.

utterance: It.

utterance: Most certainly has.

utterance: Love the.

utterance: Sound of your business. I have a cat myself. His name is Romeo. He's a very handsome cat.

utterance: Oh.

utterance: Oh, meow!

utterance: just like to wear clothes

utterance: But you know.

utterance: Now.

utterance: He hasn't tried our clothes on yet. He might love them.

utterance: Very true.

utterance: Yes.

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

utterance: Oh you got it all.

utterance: OK well you have a great one.

utterance: OK you too bye.