utterance: Hello, thank you for calling Intellibank. This is Timothy, how can I help you today?

utterance: Hey Timothy, how are you?

utterance: I'm good how about yourself?

utterance: I'm good, it's been a long time since we chatted.

utterance: Oh we've we've spoken before?

utterance: Yeah I think I, I think you were the one who who sent me off when I got my first checking account set up with you guys.

utterance: Oh wow, amazing that we got connected again.

utterance: Would never forget the name Timothy, honestly.

utterance: I know, it's it's quite the quite the.

utterance: Yeah.

utterance: Quite unforgettable, what can I help you with today?

utterance: yeah I'm just calling to get the treasury bond yield. And I also wanna purchase a stock market order please.

utterance: Great, I'll be happy to take you through those steps if you just have a few minutes of your time.

utterance: Yeah of course, of course.

utterance: And you've verified that you are an existing customer, so can I just get your first and last name?

utterance: Yeah my first name is Celcius last name is Beth.

utterance: OK, have that pulled up here. Your date of birth?

utterance: April fourteenth, nineteen ninety-two.

utterance: April fourteenth, nineteen ninety-two your four to right digit PIN number that you registered with us?

utterance: Should be two three eight eight nine eight two four.

utterance: OK, let me put that in. This portion does take just a second to process if you could just stand by.

utterance: Yeah for sure, take your time.

utterance: OK, that looks like that went through, the PIN number. Sorry, a little delay in our systems. what type of bond is this? The the terms of the bond, the the years?

utterance: That's all right.

utterance: Yeah, I believe it's the ten year bond.

utterance: Ten year bond, yep. That's what we have on records.

utterance: OK.

utterance: And getting that yield for you now on the ten year bond, set to expire in two thousand twenty-nine.

utterance: Yeah, that's correct.

utterance: OK. And the yield comes in at eight point one percent.

utterance: Eight point one percent, huh?

utterance: Mhm.

utterance: OK. Do I I I think I also have a five year bond. Right? Do you see that?

utterance: yes and that yield is actually just down at the bottom of the page here, seven point three percent.

utterance: OK. OK.

utterance: And.

utterance: Something else I can help you with?

utterance: Yeah yeah, can I purchase a stock market order please, as well?

utterance: You wanna make a stock purchase right now?

utterance: Yeah.

utterance: OK, I can do that for you. Can also do that online, just so you know. But I'm gonna process that for you right now, I know some people still prefer to call to get that stock market in. stock market order in, yeah.

utterance: Yeah.

utterance: Yeah, I always prefer to do it with a real human. I feel like when I'm dealing with the robots on my computer it sometimes things can get messed up.

utterance: Totally understand.

utterance: So you know you have a separate PIN number set up for your stock purchases, could you please repeat that for me?

utterance: Yeah, it's gonna be six two eight nine three two.

utterance: Six two eight nine three two.

utterance: Yup.

utterance: Great, I am into the stock portion.

utterance: OK. Groovy, thank you.

utterance: Of your.

utterance: Account. And the symbol of the stock you were looking to purchase.

utterance: Yeah I think I want to do P U R.

utterance: That's P U R?

utterance: Yeah, P U R.

utterance: All right, and I can look that up for you but that's telling me that is a local cat company, P U R?

utterance: Yeah it is. Yup.

utterance: OK. so to let you know, that is currently selling at an even eleven dollars per share. So how many, based on that info, how much would you like to purchase, how many shares today?

utterance: Let's do let's do let's do twenty shares.

utterance: Twenty shares. At eleven dollars dollars per share. So your total will be two hundred and twenty dollars for that stock market purchase.

utterance: OK, great. Can I use my checking account to pay for that?

utterance: Yeah, can you verify that account number for me?

utterance: Yeah, two four six six six two six.

utterance: OK. Great, yeah that went right through. So that should show up on your account immediately, when you log in, but I can assure you, you now own twenty shares of PUR stock. So congratulations on that.

utterance: Thank you so much, I'm excited, thank you.

utterance: You got it. So once again I just want to thank you for being an Intellibank customer. Says here, according to your online profile, you have been with us since nineteen eighty-two. So thank you so much for your long time business.

utterance: Of course, my pleasure. Thank you so much.

utterance: OK, you have yourself a great evening.

utterance: You too Timothy, bye bye.

utterance: Bye bye.


speaker_role: Agent

utterance: Hello. Good morning and thank you for calling Intellibank. My name is Mike. How can I help you?

speaker_role: Customer

utterance: hey how's it going? I'm Tony.

utterance: How you doing, Tony?

utterance: I'm good. Thank you.

utterance: Well, that is great to hear. How can I help you today?

utterance: Well, I think. We got an easy one today. I just would like to change my phone number on my account there. I got a new cellphone number, so.

utterance: All right.

utterance: Perfect, . Thank you so much for calling us and letting us know and keeping us up-to-date on the best way to contact you.

utterance: so I'm gonna need your first and last name and your date of birth and your PIN number to be able to access your account.

utterance: Yeah. It's which do you want first?

utterance: first last name. That'll be great.

utterance: Tony Roberts.

utterance: That's T O N Y R O B E R T S.

utterance: That's correct. Yeah.

utterance: OK and that date of birth.

utterance: ten one eight seventy-eight.

utterance: Ten one seventy-eight.

utterance: Got it and your PIN number.

utterance: nine one one one.

utterance: Nine one one one. All right. I have access to your account. I'm just gonna take a look. See. Make sure everything's in order.

utterance: that's strange.

utterance: Uh-oh. What strange.

utterance: I see a hold on your traveler's card for some reason.

utterance: A hold on what? I just called to update my phone. You're telling me my of a or something.

utterance: No. No no no no. Not for lack of payment. Looks like there has been suspicion of fraud.

utterance: Oh, no.

utterance: can you confirm that you are in possession of your traveler's card?

utterance: yeah. Let me go look. I'm gonna go to my out house. And put it in my wallet.

utterance: OK.

utterance: OK.

utterance: I'll be back in a few minutes.

utterance: Take your time.

utterance: Hello?

utterance: Yes.

utterance: Oh, so sorry for the delay but I'm not going to be able to do this at this moment. So I'll I'll have to give a call back at a later time.

utterance: you're not worried about your traveler's card? .

utterance: Yeah.

utterance: I'm not that that worried. Thank you.

utterance: And you didn't wanna update your phone number?

utterance: Oh, well. I'll do it online. I think. Can I do that online?

utterance: You can.

utterance: OK great. I'll I'll do it there. Thank you so much.

utterance: All right. Well, thank you. Have a nice day.

utterance: You too.


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

utterance: Hi Rose. My name is Kim. How are you today?

utterance: I'm doing pretty good. Thanks for asking. And how can I help you?

utterance: Rose I'm calling to. Cuz I'm trying to find out. Excuse me. Sorry about that. I'm trying to find out what specific documentation I would need. in order to apply for a loan. I have a business account with you know with your bank and I'm trying to just get together what I'm gonna need in order to apply for a loan.

utterance: OK. I can help you with that. Let's start with your first and last name.

utterance: Sure. My first name is Kim. Last name is Johns. It's J O H N S.

utterance: And your date of birth?

utterance: It's April twenty-fourth nineteen seventy-seven.

utterance: And your address?

utterance: sure it's forty-nine Holland Drive. And that's Philadelphia, Pennsylvania. One nine one zero one.

utterance: Thank you. And also your account number?

utterance: see here. Oh. I'm so sorry I thought I had that right in front of me. Do you mind holding on for a couple of minutes? I just need to run over to the office and grab it.

utterance: OK. Take your time.

utterance: Thank you so much. OK, Rose.

utterance: Yes.

utterance: Thank you so much for holding. So sorry about that. it took much longer than I thought it was going to.

utterance: That's OK.

utterance: I have my account number right here. It's one one two one zero zero zero five nine five.

utterance: All right. Thank you so much. And let's see here. so you would need your business license and two years of personal tax returns. Two years of business tax returns. And two years of year in financial statements. And those documents need to be emailed, mailed or faxed. Whichever is easiest for you.

utterance: OK.

utterance: OK. And and would I be able to Is it possible to go online and and provide these documents?

utterance: Yes ma'am. You can submit that documentation and your desired application electronically.

utterance: Oh great. OK.

utterance: And there's a pretty easy self help portion on the website.

utterance: Perfect.

utterance: Oh OK. Perfect. OK. Well thank you so much for your help today Rose. I really appreciate it.

utterance: You are very welcome Miss. Johns. Was there anything else that I could help you with?

utterance: no that's everything. Thanks so much again.

utterance: You're very welcome. Thank you for calling Intellibank and I hope you have a wonderful rest of your evening.

utterance: Thank you. You too.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: Yes. This is Monica Stevens.

utterance: Mm OK Mrs. Stevens can I get your date of birth?

utterance: One one nineteen sixty.

utterance: OK. For security purpose can I get your your email that we have on file?

utterance: OK. Is organic peach at Gmail dot com.

utterance: OK.

utterance: Now also for security purpose can I get your driver's license or state ID number?

utterance: Yes.

utterance: P G one three three seven four eight.

utterance: OK.

utterance: All right. How can I help you today?

utterance: Yes I want to open up a user account.

utterance: OK.

utterance: You're adding someone else onto your account.

utterance: Exactly.

utterance: Which account would this be. Savings, checkings or your business?

utterance: I'd be the business.

utterance: OK.

utterance: All right.

utterance: Mm can I get you to confirm your business name?

utterance: Tina incorporated.

utterance: OK. Tax ID number?

utterance: Two three six seven nine zero.

utterance: OK.

utterance: Can I also get street address?

utterance: eleven thirty-seven Apple street New York, New York.

utterance: One zero zero zero three.

utterance: OK. And the business PIN?

utterance: Four eight seven two.

utterance: Already.

utterance: All right. And who you adding onto the account?

utterance: This is Tonya Wilson.

utterance: OK.

utterance: Tonya, how do you spell that?

utterance: T O N Y A.

utterance: OK. And Wilson?

utterance: W I L S O N.

utterance: OK.

utterance: And she's giving your permission to use her social social security number?

utterance: Yes.

utterance: OK.

utterance: Three eight nine zero zero seven one four two.

utterance: OK you said seven one four two.

utterance: Yes.

utterance: OK.

utterance: All right. And what's her date of birth?

utterance: Three nineteen sixty-five.

utterance: OK.

utterance: And what's her email?

utterance: Email is bell's B E L L apostrophe S and cats C A T S at Gmail dot com.

utterance: Bells and cats.

utterance: Yes.

utterance: At Gmail dot com?

utterance: Yes.

utterance: OK.

utterance: All right and what's her street address?

utterance: It's forty-five sixteen Hollow Avenue.

utterance: New York New York, one zero zero zero three.

utterance: OK.

utterance: All right.

utterance: OK I'm be send sending her a email for confirmation.

utterance: OK.

utterance: before I forget, did you have a driver's license or state ID number?

utterance: Yes.

utterance: Let me get that.

utterance: OK. P A three three eight two one one.

utterance: All right. OK now I will send her. A email for confirmation.

utterance: OK.

utterance: Let me give her her business PIN.

utterance: All right.

utterance: It would be nine one two nine.

utterance: Alrighty.

utterance: Yes one once your get the email all she has to do is to confirm the information and everything again. She will be set and and to go. Give it about ten minutes for the system to have it updated.

utterance: OK.

utterance: But it shouldn't take no longer than, you know the end of the day.

utterance: Oh OK.

utterance: OK?

utterance: I thank you Jake, you have a wonderful day.

utterance: and you too Mrs. Stevens and thank you for calling Intellibank. That is that all?

utterance: Yes, that's it. That's it.

utterance: OK.

utterance: Just making sure.

utterance: OK.

utterance: But yeah thank you for calling Intellibank. You have a lovely day Mrs. Stevens.

utterance: All right, bye.

utterance: Bye bye.


utterance: Hello, thank you for calling Intellibank. My name is Natasha, how can I help you today?

utterance: yes, I'm over here enjoying the ball game and my friend's house and something came up across the screen about Intellibank and stock prices. could you tell me something about that please?

utterance: Oh yes sir I can certainly tell you about the Intellibank stock pricing quote. Would you like to get a quote on certain stocks?

utterance: hold on here I have a list here.

utterance: OK sir, I can give you multiple stock pricing if you would like.

utterance: Yes.

utterance: OK, first I need to get a little bit of information about you. You bank at this bank, correct?

utterance: Yes.

utterance: All right, sir. I can get some information about you business account stock pricing. just give me a moment, I'll have to ask you a few questions so I can get the correct information, is that OK with you?

utterance: OK.

utterance: All right sir. Can I get your first last name and date of birth please?

utterance: Yes, my first name is Gabriel last name Robertson, date of birth ten twenty-four nineteen seventy-four.

utterance: All right, that's Gabriel Robertson, date of birth ten twenty-four nineteen seventy-four?

utterance: Yes.

utterance: All right, Mr. Robertson. Could I have your pin for the account you have established with us please?

utterance: yes I have I I have a old PIN number there. I don't know which one you guys have on the account but my old one is three three seven zero four three, and and my new one is four four nine five four nine.

utterance: OK sir, looks like we have your current pin on file as four four nine five four nine.

utterance: Yes. .

utterance: So.

utterance: All right, so that has been updated, so you can make a note of that.

utterance: All right.

utterance: OK, Mr. Robinson, you said you had a list of stocks that you would like some quotes on?

utterance: yes, yes.

utterance: All right sir, you can give me that first stock symbol please?

utterance: yes the first one is G O O G L.

utterance: All right sir, that stock, gimme just a moment while I look that up.

utterance: All right.

utterance: OK, that is currently trading at evaluated at one thousand four hundred and ninety-two dollars.

utterance: OK. All right.

utterance: OK, you can go ahead with the second stock sir.

utterance: Yeah, the second one is T W T R.

utterance: OK, so want quote on Twitter stock right now.

utterance: Yes.

utterance: OK sir, let me look that up for you.

utterance: All right.

utterance: All right that one's currently valuated at nine hundred and forty-seven dollars and eighteen cents.

utterance: Oh OK. And I have one more here.

utterance: All right, go right ahead sir.

utterance: The other one is G I G.

utterance: All right let me look that up for you, not familiar with that one.

utterance: OK.

utterance: Just a moment. Oh, that looks like that is gaming stock.

utterance: yes, I I thought it was.

utterance: That's.

utterance: That's quite interesting.

utterance: yes, so you have that gaming?

utterance: yes sir, I absolutely have a fourteen year old and he likes to game a lot so I had to jump on board and learn a little bit.

utterance: so you you trying to stay in the loop.

utterance: So you've been left behind?

utterance: Oh yeah.

utterance: Certainly can't get left behind sir. He won't let me.

utterance: Very easily do, we gotta keep up on this computer stuff and everything.

utterance: Exactly, and since he's such a wiz with it, I have to stay abreast of it.

utterance: You're kind of a wiz yourself, you're working at this place.

utterance: Oh, I do my best, sir. I try to stay ahead of the game.

utterance: That is good to hear.

utterance: All right, I just looked up stock for G I G. It is currently valuated for forty-nine fifty-five, sir.

utterance: OK.

utterance: All right, is there anything else I can help you with, would you like more information on any other stocks at this time?

utterance: yes, could you give me information on this one other stock that my friend told me about called A, A A P L?

utterance: Oh, OK.

utterance: So what is?

utterance: That?

utterance: That is Apple stock.

utterance: Oh.

utterance: All right. So I can get you a valuation on that, just one moment.

utterance: OK.

utterance: All right sir, that one is currently trending very high. it is currently valuated at one thousand nine hundred and forty-two dollars.

utterance: Oh, now that's good.

utterance: Yes, that is a very good stock to own.

utterance: OK.

utterance: All right?

utterance: All right.

utterance: Oh, is there anything else I can help you with sir?

utterance: no, that was about it, thank you for your time.

utterance: Oh.

utterance: OK sir, I would like so make a note for you that you can actually go on your go online if you have online banking and actually look up these stock pricings yourself if you can go onto your account and check out all your stock quotes on any stock that you've currently purchased.

utterance: Oh, OK.

utterance: OK sir. All right, if that's all I can do for you today, Mr. Robinson?

utterance: Yes, that's about it.

utterance: All right, thank you so much for your time and patience. Again, my name was Natasha, I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you sir.

utterance: Mm. Bye bye.

utterance: Bye bye.


utterance: Greetings. Thank you for calling Intellibank. This is Traven. How can I help you today.

utterance: Hey Traven. How's your day going?

utterance: You know it's going quite well. Thank you so much for asking. Customers don't usually ask me that.

utterance: Well they should.

utterance: I'll I'll pass that information along. what can I help you with?

utterance: Right.

utterance: Yeah, so you know actually I just got a bonus at work.

utterance: Great.

utterance: And I you know would be cool if I went out and you know bought myself some type of present.

utterance: But I thought I'd do the smart thing and make a payment on my loan.

utterance: Wow. I I I admire and am a little bit jealous of your financial savvy. Can't say I'd make the same move myself.

utterance: Well we're all we're all young once. I guess.

utterance: I that is true we are all young.

utterance: It that is a very true statement isn't it? There's nothing erroneous about that.

utterance: What is it they say? The youth is wasted on the young?

utterance: Youth is wasted on the young indeed.

utterance: That might be the truest statement of all.

utterance: Mm.

utterance: All right. Well let's get you setup here so I can access this and

utterance: So you're making you're you're calling to.

utterance: yeah. I wanted to to schedule a payment.

utterance: A payment on your loan. Right right. I just wanted to verify that. OK. Can I get your first and last name?

utterance: Right.

utterance: Yeah, it's Ralph Davidson. Ralph Davidson.

utterance: Ralph Davidson. And Ralph I will need your date of birth.

utterance: Yep. That's May eighth nineteen eighty-two.

utterance: May eighth nineteen eighty-two.

utterance: And also your four to eight digit PIN number to access your accounts.

utterance: Oh, you can't. I can't just give you the social?

utterance: No sir. I will need that PIN number.

utterance: OK. You know what? Let me just let me put you on hold so I can get all that information for you instead of having to call back. All right. Let me put you on hold.

utterance: Go right ahead.

utterance: Go right ahead. Thank you.

utterance: Al right. I'm back. Thanks for the hold. I got the I got that info. It was the PIN you needed?

utterance: Let's start out with the PIN number.

utterance: OK.

utterance: Yeah. I just had a bunch of stuff to different you know papers to pick up or go through. OK, the PIN. The PIN is seven three eight. Four.

utterance: Seven three eight four. That is correct. I will also need your loan account number.

utterance: Right that is one seven seven seven three four nine five.

utterance: OK.

utterance: How about that payment bank account number? That's the account you'd be paying from to into the loan.

utterance: Yeah that is three zero zero seven nine four five.

utterance: OK. Also we'll need your payment routing number.

utterance: payment yeah. OK here it is. one two one zero eight three zero one.

utterance: All right. Just waiting for that to process the payment routing number.

utterance: Get any bonuses yourself recently?

utterance: Any bonuses? No but if after this you wanna speak to my supervisor and put in a good word for me I would welcome that.

utterance: Yeah!

utterance: Yeah I'll see what I'll I'll see what I can do. I'll put in a good word. I'll or write a letter or leave a leave a review on the app all the good stuff.

utterance: Thank you yeah. There will be a just so you know, there will be a survey at the end. And and it doesn't directly give me any sort of bonus but it can't hurt in the process. You know what I mean?

utterance: I hear you.

utterance: I hear you.

utterance: Not supposed to really waver you in either direction you can you can you can you can fill out that survey with or whatever rating you like sir. It's totally.

utterance: Uh-huh.

utterance: Right yeah.

utterance: You're an impartial juror.

utterance: I I that is anonymous to me.

utterance: Mhm.

utterance: Mhm.

utterance: So. OK, got that routing number in there.

utterance: So what date would you like to schedule this payment?

utterance: on the eleventh.

utterance: On the eleventh of October?

utterance: This month?

utterance: November.

utterance: November. November eleventh it is. And just to let you know that your current loan balance is twenty thousand and fifty two dollars.

utterance: how much of that would you like to put towards this upcoming payment?

utterance: Twelve hundred please.

utterance: Twelve hundred even it is.

utterance: OK, I'll put that in for you now. That is already being processed to be scheduled now on the date you requested. You will receive a verification email right after this call and also on that date that the payment has gone through.

utterance: OK.

utterance: Anything else I can help you with today?

utterance: no I think that was it.

utterance: OK. Thank you so much for calling Intellibank and you have yourself a great evening.

utterance: All right. Thanks a lot.

utterance: Bye bye.


utterance: Hello. Thank you so much for calling Intellibank. This is Jordan. How may I be of assistance today?

utterance: Hey Jordan. this is Andrew. right now we're just kinda looking to change our street address for the company. yeah. That's kind of about it. We've kind of moved to bigger digs and so we're looking to just get everything in a row. All our ducks, all our geese and all our little chickies.

utterance: Well congratulations on your move and congratulations to your bigger space. I know we can all use a little bit of bigger space sometime. changing your address should not be a an a a problem. We just need to pull up your account. So let's start by getting your full first and last name as it appears on the account and your date of birth?

utterance: Oh right yeah. No problem. Jason Benson date of birth is March third nineteen ninety-three.

utterance: All right. Great. And I am going to need your six digit account number and your four digit PIN.

utterance: OK. yes. Six digit account is five one two four eight eight and the PIN is one seven six nine. little embarrassed here. I I called previously and kinda the issue was is I I had given the the wrong PIN and I don't know. I was in a bit of a like I said a panic and I just kinda hung up. .

utterance: That's totally OK.

utterance: That is that is understandable. you know a lot of people don't even have this PIN readily available. A lot of people get confused think this is the ATM PIN or this is the security PIN. It's not something that you can easily find on your statements. So that's totally understandable and quite frankly I probably would have done the same thing if I was in your shoes.

utterance: OK. Excellent. I accidently yeah. I gave you the guys the the ATM PIN and I just felt dumb.

utterance: Oh, no reason to feel dumb. It happens all the time but we're gonna get this all squared away this time. No worries at all. but to move forward with the process of updating your street address, I am gonna have to ask you a couple of security questions. So to start off what is the first four digits of your social security?

utterance: five zero nine four.

utterance: All right and what is your mother's maiden name?

utterance: Andrews.

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

utterance: Garrison Crest.

utterance: Great and what was your first pet's name?

utterance: Chubby.

utterance: Fantastic. All right. OK. I am into your account and I am able to make that change. First thing I'm gonna need from you just to verify is what is your a current address?

utterance: Current address. two zero one Bobby Park Boulevard. Excuse me. Crescent Heights Los Angeles California. nine one one six four.

utterance: All right. I'm just waiting for the system to update here. I have put that in and yep. That matches up with what we have on file here. And now I'm gonna need the street address that you're gonna be moving to.

utterance: Oh OK. Yeah. That's one zero seven Sample Street. That's also in Los Angeles California and that's nine one one four four.

utterance: OK. Staying locally. That's nice.

utterance: Oh hey. Quick question. What kind of keyboards are you using over there? Looking to allocate some new boards and new computers to the to the team.

utterance: Well I have no idea. This thing doesn't even have a name on it. it's hardwired into the computer. I hate to be honest. I don't even really know what kind of computer this is. they were here years before I got here and I've been here twenty-five years now.

utterance: OK.

utterance: So I don't I don't think I don't think this is what you're looking for. No offense to Intellibank if they are .

utterance: Something to be said though, they seem to be pretty you know pretty sturdy if they've run the test of time and

utterance: I have. I have had a M sticking for fifteen years.

utterance: OK. Well Yeah. That's gotta be a problem.

utterance: All right and what was the address that you're moving to?

utterance: I believe that was one zero two Sample Street. Los Angeles California. Nine one one two seven.

utterance: And just to confirm we are changing to that address, correct?

utterance: Yes. That's gonna be our new address.

utterance: All right. There you go. Your address has been updated. Is there anything else I can help you with today?

utterance: no. That's that's everything for now.

utterance: Well thank you so much for calling Intellibank and I would love for you to have a wonderful rest of your day.

utterance: Oh . Thank you.

utterance: Goodbye.


utterance: Hello, and thank you for calling Intellibank This is William How may I be of service today?

utterance: Hello William, I am calling because I am looking for the FAQ required business documents. I might want to open up another account or even possibly take out a loan.

utterance: OK. Well, the best way to start with this is going to be to pull up your existing account.

utterance: OK.

utterance: To do that, I'm going to need your full first and last name.

utterance: That is Lawrence Finton.

utterance: Ok. Thank you very much Mister Finton.

utterance: And what is your date of birth?

utterance: June twentieth nineteen eighty-four.

utterance: and what is your four digit security pin?

utterance: Five six two one.

utterance: Alright and what is your six digit account number?

utterance: Three three three eight two four.

utterance: Thank you very much. All right. I do have your account pulled up here. Hold on just a moment here.

utterance: All right.

utterance: That's OK. Thinking taking out a loan today. Got to My kids wanna go to Disneyland and I might need to take out a loan for that. Cuz, the prices down there are crazy. I'm telling you. You go into that park. You walk out. You can spend nearly a grand if you've got two kids. There's this candy. There's that candy and it's, they got you locked in. It's like when you're at a baseball game and beer is like sixteen dollars. Same thing down there You're just spending money left and right and they got this. They got the other park next door which is supposed to be the same park, but I think there's a second admission for that now. I don't know. I'm just always trying to stay afloat keep these kids happy. It's crazy man. I don't know. Do you have kids? I mean horrible like I, I hesitate to say this. But it sounds like an overstatement, but sometimes it is downright horrible. It's like, you know, you love them, but it doesn't mean that you you you you just don't have this feeling sometimes where you're like I just want to be away from them for I don't know a year? because it's, it's like another full-time job on top of your already full-time job. They get a little older, it's a little better. They go off on their own, but then you're worried about what like what are they doing? are they using my credit card? Are they getting in trouble? Did I raise this kid right, all that money you spent on them? Not the money. It's about, you know, the thing that's gonna help you raise kids, but Whew, you know what I'm saying man?

utterance: I don't, but that sounds horrible.

utterance: I know what you're saying. Well, you know if you wanna keep track of if they're using your Intellibank credit card you can do that twenty-four hours a day, seven days a week online at Intellibank dot com.

utterance: Mm.

utterance: Or, you could download the Intellibank app to your smartphone. It's available at any app store. whether you have a Apple or android device. but to get to the reason you were calling. You you were looking for the FAQ requirement business documentations?

utterance: Yes, yes. That's what I want.

utterance: So, what we would need from you is, first you would need to confirm a lot of the stuff that we already have on file.

utterance: OK.

utterance: So, you would need to confirm your Social Security number You would need to confirm your state-issued ID or drivers-license number. You would need to confirm your tax ID number. You would need to confirm your email address. Both personal and business. You would need the name of the business. You would need the name of any, the name and all of this information of any other owner that you may have with the business You're gonna need the date that the business was established. You're going to need your gross annual sales. if it is a loan that you're going to be asking for, then you're going to need the purpose of the loan and a loan amount If it's a loan for a business property, then you're going to need the address. for that Then, we're also going to need your business license. Two years of personal tax returns. Two years of business tax returns and two years of end-of-year financial statements. And, that is all. And those do need to be mailed or hand-delivered into a branch.

utterance: Alright. That's a lot. I'll take care of that on my own time, not yours. Sorry about that man. No, that's it. Thank you.

utterance: Anything else I can help you with today?

utterance: Thank you for calling Intellibank. Have a wonderful rest of your day. Bye.


utterance: Howdy, thanks for calling Intellibank. This is Stephanie. Who am I speaking with?

utterance: this is Robert.

utterance: Hi Robert, nice to meet you. How are you today?

utterance: very well, thanks.

utterance: Great Robert. and where can I get started today?

utterance: I need to open up a new checking account.

utterance: New checking account OK I can help you out with that. And Robert what's your last name?

utterance: Durst.

utterance: Durst? OK Robert Durst. Such sounds like a serial killer.

utterance: Mhm.

utterance: yes, it's unfortunate yeah.

utterance: Mm.

utterance: Yeah.

utterance: Bummer. And then what's your address Robert?

utterance: sixty-three hundred Wilshire Boulevard.

utterance: Mhm.

utterance: Los Angeles California.

utterance: OK and then could I have your social?

utterance: Yes. one nine seven three five two one one.

utterance: Mhm.

utterance: OK. And do you have your driver's license number on hand?

utterance: my driver's license number?

utterance: Mhm.

utterance: Where is that? Is that on the driver's license?

utterance: That's right. Right on that driver's license it's a big number for ya.

utterance: Oh let me look here then. Oh you know what there it is. A zero eight nine one two.

utterance: Great. And what is your four digit customer PIN?

utterance: three three two three.

utterance: And could I have your email address?

utterance: my email address is Robert Durst at Gmail dot com.

utterance: Robert Durst at Gmail OK and Robert what is the name of the business that you own?

utterance: Robert's Car Detailing.

utterance: Robert's Car Detailing OK. And then are you the sole owner?

utterance: I, I am that is. Correct.

utterance: Mhm.

utterance: OK. And when did you establish your car detailing business?

utterance: twenty fourteen.

utterance: OK. All right and what's your gross annual sales amount?

utterance: We're at about seventy-five thousand dollars.

utterance: Mhm. And do you have your tax ID number on hand?

utterance: I do. Hold on one second. Let me find that.

utterance: Sure.

utterance: Sure thing, take your time.

utterance: OK I'm back what were we looking for again?

utterance: Sure what was that tax ID. number?

utterance: Oh the.

utterance: Tax ID, that's correct. it's one nine eight two two.

utterance: Mhm.

utterance: OK one nine eight two two. OK what's the address of your business?

utterance: Sixty-three hundred Wilshire Boulevard.

utterance: Mhm OK. Sixty-three hundred Wilshire, that's right. And that'll be your mailing address?

utterance: correct yeah.

utterance: Great. And what's your checking account type currently?

utterance: my checking type?

utterance: Yeah your checking type. Is it a personal checking? A business checking?

utterance: It's

utterance: Mostly business.

utterance: OK mostly business? Great. All right. And then what was the initial balance of your account when you opened it?

utterance: three thousand dollars.

utterance: Three thousand dollars. OK. All right. And do you have your bank account and routing number?

utterance: The bank account is one two five eight one two four.

utterance: Mhm.

utterance: And the routing number is four four two.

utterance: OK great. All right well we do have a few different account types. I know you're you said you're using your account for mostly business. Right now it's still a personal account. Would you like to just transfer that over to a business account?

utterance: What is the benefit of that?

utterance: Yeah, well it is a lower interest rate and the monthly fees are waived all together.

utterance: Oh I guess we should do that then.

utterance: All right my OK and like I mentioned the monthly fee is waived. other than that would you like anything else that I can assist you with?

utterance: No I think that should be it. you were very helpful today.

utterance: Great well if there's anything else please don't hesitate to reach out.

utterance: OK thank you so much.

utterance: Take care.

utterance: Bye.


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

utterance: Hi Jess. I'm calling because I got something in the mail and I wanted to set up an appointment.

utterance: OK so you'd like to speak with one of our tax specialists?

utterance: That sounds about right.

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

utterance: Yeah. So full name is gonna be Marcel Hampton. Date of birth is going to be April twenty-four nineteen ninety two. address, address is gonna be five zero three four Tellstar Street, Florida. Yeah what else do you need?

utterance: OK. April twenty-fourth, ninteen ninety two.

utterance: OK great. can I actually start by getting your credit card number?

utterance: yes, gimme one second one second.

utterance: OK I'm back four eight two six Hello?

utterance: OK.

utterance: Yes.

utterance: OK. Four four eight two six.

utterance: OK.

utterance: Two two nine nine four three one five five six two one.

utterance: OK and just to clarify that was four eight two six two two nine nine four three one five five six two one?

utterance: Correct.

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

utterance: OK.

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

utterance: yeah absolutely. It's gonna be twenty-four ninety two.

utterance: Twenty-four ninety two. OK and can I also get the last four digits of your social security number?

utterance: Absolutely, it's gonna be six six three nine.

utterance: OK and you might recall that when you set up your account you answered a few security questions. I'm gonna go ahead and ask you those now.

utterance: OK.

utterance: What sport did you play in middle school?

utterance: what sport did I play in middle school? What do you mean?

utterance: when you set up your account that was one of the questions that you selected to answer for your security questions.

utterance: That couldn't have been. I didn't play a sport in middle school.

utterance: could you maybe have played a sport in high school and just chose this question?

utterance: I think I would have known if I played a sport in middle school or high school and I'm telling you that's, that's not that's not my security question. Do you have another security question?

utterance: OK.

utterance: Yes, you did answer an alternate one. what is your mother's maiden name?

utterance: that's a very touchy subject. I, I don't ever use that as my security question. Do you do you have the right account pulled up?

utterance: Yes, I'm looking at your account right now.

utterance: OK and those are my two security questions?

utterance: Yes those are the ones you chose when you set up the account.

utterance: I did not play a sport in middle school. I, I don't, I don't understand. I, I think you have the wrong account set up.

utterance: well did you want to go ahead and give me your mother's maiden name so we can test to see?

utterance: No I don't want to give you my fucken mother's maiden name. I told you that was a sensitive subject.

utterance: I'm sorry, sir. But these are the questions that you selected as your security questions.

utterance: Well these are the wrong damn questions. I didn't play a sport in middle school.

utterance: Did you maybe have someone help you set up the account?

utterance: I maybe have never been asked these two questions before and I'm, I'm wondering why these questions are being asked.

utterance: I'm sorry this is our protocol.

utterance: I, what do you, I've, I have been a customer for this company for two years. And I've called several times. Every time you send one, send me one of these fucking flyers and I've never gotten these questions.

utterance: Well

utterance: How is

utterance: It that that this is different now? That you're asking me?

utterance: this has been our protocol from day one. I'm sorry if you spoke to someone that wasn't aware or was not following protocol.

utterance: I've spoken to your supervisor. Parrish Shen.

utterance: that's.

utterance: Can you, can you transfer me over to her? I can even give you the extension. One five eight four.

utterance: unfortunately she isn't a supervisor at this branch.

utterance: Because clearly you knew.

utterance: Are you new?

utterance: I'm not new, sir.

utterance: OK well.

utterance: This is all these questions that we're asking is to protect the security of your account so that there's no one else trying to get into your account.

utterance: So if I don't have these answers, I can't, you can't get into the account?

utterance: unfortunately no.

utterance: This is fucking ridiculous. This is absolutely ridiculous. I want you to check my account and see how long I've been a customer here.

utterance: Unfortunately I can't do that. If you don't want to answer the question about.

utterance: What does it say?

utterance: No I'm not answering these fucking security questions. I didn't play a sport in middle school.

utterance: That's fine, sir. Can I get your mother's maiden name then?

utterance: Lisa Jones.

utterance: And Jones was the correct answer so I.

utterance: Yes Jones is the correct answer!

utterance: So I'm gonna pull up your account right now.

utterance: Haven't spoken to my mother in twenty fucking years. Thanks.

utterance: OK I have your account pulled up and I'm gonna get on to scheduling you to speak with a tax specialist. Is there a specific day you'd like to speak with someone?

utterance: Just give me the day and time.

utterance: OK we have availability tomorrow at eight thirty.

utterance: Does that work?

utterance: That works. Have a good day.

utterance: OK.


utterance: Hi, thank you for calling Intellabank. My name is Arlene and I'll be assisting you today. How can I help you?

utterance: Arlene, I got a notification that stated we have that you have new SBA seven A loans.

utterance: We sure do.

utterance: Are they are they fresh off the press?

utterance: They are fresh off the press, with the with fantastic interest rates that you just won't believe.

utterance: Piping hot.

utterance: Loans.

utterance: Is that right?

utterance: That's right, Yes.

utterance: Well I knew.

utterance: Intellbank would take care of me. So, let's let's see what you got. What are, what are the, what are the terms if has, S B A seven A loan?

utterance: OK, perf~

utterance: Certainly, the Intellabank interest rates right now for the S B A seven A are coming in at two percent and the reason we can do that is because it is backed by the U S federal government, so it also makes it easier for you to be approved.

utterance: And those rates can be good for up to ten years, with no penalty for paying off early.

utterance: Two percent for ten years.

utterance: Two percent for ten years, so if you do apply, I always recommend that you go for that ten years, just in case something comes up you know you're covered for a long time for that repayment.

utterance: Sure.

utterance: All right.

utterance: You would you like to go ahead and apply, cause I can do that for you right over the phone.

utterance: Yes, I would like to apply for a twenty-five million dollar loan.

utterance: OK.

utterance: If I can get that for ten years.

utterance: All righty, well let's see what we can do here. OK, so let me get started with your name, please.

utterance: OK, my name is Jordan Thomas.

utterance: OK.

utterance: And, Jordan, may I please get your four digit pin number so I can access your accounts?

utterance: Six zero seven six.

utterance: Six zero seven six. Perfect. OK great. Thank you for your loyal patronage. I do see all your different accounts, and to apply for the S B A loan, we're doing it under your name, correct?

utterance: That's correct.

utterance: All right. And I will need your social security number, please.

utterance: That is two one three.

utterance: Mhm.

utterance: Eight four seven.

utterance: Eight four seven.

utterance: Nine five five five.

utterance: Great. And what is your drivers license number, please?

utterance: California drivers license, eight one eight, three two three six two six two.

utterance: OK, great. And what is your email address?

utterance: It is mister at the gentleman, dot com.

utterance: OK, very good. And for your business sir, are you the sole owner of of the business?

utterance: I am one of the few proud gentlemen, yes.

utterance: Great.

utterance: You're proud gentlemen.

utterance: Yeah.

utterance: All right, and what year did you establish your business?

utterance: Two thousand and six.

utterance: Two thousand and six, great. Oh, you even know the month, wonderful.

utterance: In May.

utterance: Five six.

utterance: Five oh six.

utterance: One what would you say your annual gross sales were for last year?

utterance: One hundred and fifteen thousand.

utterance: One hundred and fifteen thousand dollars?

utterance: Yes.

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

utterance: Tax ID is five two four, mm-mm six zero eight, five seven eight nine.

utterance: Five seven eight nine. OK, great. And what is the address where your business is located?

utterance: Six one eight nine, Westinghouse Lane, Las Angeles, California, nine zero eight zero two.

utterance: OK, terrific. And what is the amount that you'd like to apply for and how long would you like the terms to be?

utterance: Twenty-five million.

utterance: OK, I'm just kidding. two two hundred and fifty thousand. let's do the, the ten year.

utterance: OK.

utterance: Two hundred.

utterance: The, the.

utterance: Ten years.

utterance: The two

utterance: Two percent, at the two percent rate.

utterance: And lets.

utterance: I'll bear with me one moment. Lemme just get the loan amount in. Two hundred and fifty thousand.

utterance: Sure.

utterance: OK, at the ten year.

utterance: The down payment, just so you're aware, it needs to be between five to twenty percent. It will be due upon approval of the loan.

utterance: How much would you like to put down for your down payment?

utterance: So, let's do fifteen percent.

utterance: Fifteen percent. OK, very good.

utterance: All right, so just so you know, I am finalizing the application on my end. I did just generate an email to you, it will have a couple of links in there. One will be to access a copy of this application. Then there's another link to upload two documents that we'll need to complete this, will be your tax ID number and your drivers license.

utterance: Once you have that uploaded into the system, we, it is considered complete, and then you should hear back about your loan within seven to ten business days.

utterance: All right.

utterance: And that's it on my end.

utterance: I knew Intellabank would take care of me, thank you so much, I appreciate it.

utterance: Well, thank you for being a valued Intellabank customer, and have a great day.

utterance: You too.

utterance: OK, take care. Bye bye.

utterance: Mm. Bye bye.


utterance: Good evening.

utterance: Hello?

utterance: Hi I'm Hello, thank you for calling Intellibank. My name is Lavinia. And I will be here to assist you on this recorded call. How may I help you tonight?

utterance: Hey.

utterance: Do you have to record me?

utterance: If you don't want to be recorded, I can put in a request to take that off. It just would take a moment.

utterance: Nah.

utterance: No, no, no. It's fine. I don't care. It's it's kinda It's just a little weird recording.

utterance: OK.

utterance: They.

utterance: They do that for customer service training purposes. But if you ever don't wanna be recorded, you just let us know.

utterance: OK.

utterance: no it's fine. OK. So the the reason I want to call is I just am looking at a to get my debt income ratio.

utterance: OK. That's something we can do for you tonight. I'm just going to pull up your account information. May I have your first and last name please?

utterance: It's Charlie. C H A R L I E.

utterance: OK.

utterance: Last is Redding. R E D D I N G.

utterance: OK. And Charlie, will I find you under Charlie or Charles?

utterance: It's Oh, shit. It's Charles.

utterance: And may I please have the four digit PIN number you created?

utterance: Yeah. It's three one six two.

utterance: Three one six two. OK. One moment.

utterance: OK. Ugh.

utterance: OK. Great. That does pull up your information for me. Can you please verify your date of birth for me?

utterance: Ugh.

utterance: Just hang on one second. Let me just flip this pancake for a second.

utterance: OK.

utterance: All right, OK.

utterance: Can't talk to long or they gonna get burned. I'm just going to take them off the skillet.

utterance: This shouldn't take us too long.

utterance: what do you prefer?

utterance: Pancakes or waffles? I'm more of a pancake guy myself, I guess.

utterance: I, I like both but I think I'm more of a waffle person.

utterance: Oh.

utterance: OK.

utterance: I like the crispness of it.

utterance: But you know what, to be honest, I've actually been on a pancake pancake kick lately.

utterance: Oh.

utterance: Never like a waffle.

utterance: Oh, yeah? Interesting. OK.

utterance: OK. OK. I'm done.

utterance: All right. just can you please verify your date of birth for me?

utterance: August fifth nineteen ninety-two.

utterance: OK. Very good.

utterance: All right. Thank you for holding. All right. I do see your account information here. So what you'd like to do is you'd like to find out your debt to income ratio?

utterance: Yup.

utterance: That's what I said.

utterance: OK. I just verifying that's what we're doing.

utterance: All right so what I'm doing here is I'm reviewing your accounts with us. I see that you have both our business gold credit card and your business silver.

utterance: Yep.

utterance: And I see that you have two loans with us. Both the secured loan and your real estate loan. All right. So bare with me for one moment. What I'm going to be doing is I'm going to be plugging in the total balance remaining on everything.

utterance: No.

utterance: No, no, I understand. You don't have to tell everything that you are doing, you can just do it.

utterance: You want me to put you on hold while I do it?

utterance: If you can just.

utterance: No just nothing sorry. Keep, keep going. Keep going. Keep going.

utterance: No. .

utterance: All right.

utterance: all right. So I'm putting in the balances that you owe I'm looking at your payment history.

utterance: And you're doing that.

utterance: Mhm. Yeah, that's how that's how we calculate it.

utterance: All right.

utterance: OK. All right. So right now for this quarter your debt to income ratio is showing at thirty-right percent.

utterance: You're, you're kidding me!

utterance: no?

utterance: No that's thirty-eight percent? OK well that's. That's great. I love hearing that I'm in that much fricking debt. OK. Cool.

utterance: Thirty-eight percent. Yes sir.

utterance: Well, I can offer you are you looking to apply for a loan soon?

utterance: No. I don't I just said I'm debt. Why do you say, Oh, this guy needs a loan, you're just kind of

utterance: because I don't know your personal business reasons, but.

utterance: No I know you're just. It

utterance: Kind of feels like you're rubbing salt in the wounds, but.

utterance: No, I apologize. I just know in these trying times people have been reaching out to apply for SBA loans to assist their business.

utterance: You know what, I don't need that. I just need to move a couple things around and I am good. It's all I need, OK.

utterance: OK. Was there anything else I could do to assist you today?

utterance: so out of curiosity, what's the interest rate on some of those loans?

utterance: It depends on the type of loan you're talking about. Are you talking about a real estate loan?

utterance: Yeah, go on. What's that?

utterance: Pardon me?

utterance: Just general business.

utterance: Well there's five different types of loans that we offers.

utterance: You know what, never mind. I'm gonna I'll figure something out. But thank you.

utterance: All right. Well, if we can help you, please give us a call back. Just to let you know, this information is also available to you online. If that's easier for you to do next time.

utterance: Thank you. Oops. I guess.

utterance: well you know.

utterance: You can also do it on the mobile app. Thank you so much for calling Intellibank and I hope you have a better night. Good Night.

utterance: All right.


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

utterance: Yeah I'd like to get a check canceled.

utterance: Not a problem at all. Happy to help you with that and if I can just ask what's your name sir?

utterance: Benjamin Freeman.

utterance: All right and Mr. Freeman what's the name of the business that has an account with us?

utterance: Oh Ray's Construction.

utterance: OK terrific and Mr. Freeman I'm going to need to verify some of your account information so you know because we do take account security here very seriously.

utterance: Yes.

utterance: OK and Mr. Freeman if I may ask what is your date of birth?

utterance: Three six twenty-six seventy.

utterance: Three six twenty-six seventy-three six three twenty-six seventy. I'm sorry. Excuse me I've been a little tired today.

utterance: No problem sir so that's three twenty-six seventy?

utterance: Yes sir.

utterance: OK and what is your phone number?

utterance: my phone number is seven seven oh two two zero five eight five nine.

utterance: Seven seven oh two two zero five eight five nine.

utterance: And my email is B Freeman at Ray's Construction dot com.

utterance: OK terrific. Thank you for that and Mr. Freeman if I could just ask what is your account number?

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

utterance: Terrific and final question here on this for account verification what is the PIN number?

utterance: One seven zero nine one seven zero nine is the PIN number.

utterance: OK one seven zero nine.

utterance: You're Yes sir one seven zero nine is my PIN number yeah one seven zero nine's my PIN number sir.

utterance: OK and I'll get this pulled up for you. Now Mr. Freeman as I pull up the account you said that you wanted to cancel a check is that correct?

utterance: That's correct.

utterance: And do you know what your check number is?

utterance: Check number's one zero one two seven one.

utterance: OK all right. and when it comes to this particular check number. Let's see here Oh I see here I think I was able to get that pulled up for you and the amount of the check that I'm seeing. Do you know what that is sir?

utterance: Yes it's fifteen hundred dollars and ninety-seven cent.

utterance: All right that's fifteen hundred and ninety-seven cents?

utterance: Yes yes sir fifteen hundred dollars and ninety-seven cent.

utterance: OK.

utterance: OK and let's see here and do you know the name of the business that the check was made out to?

utterance: Hang on. Let me. I got that written down I come back and we'll come back with you.

utterance: All right.

utterance: Oh yeah it's at William's Car Garage.

utterance: OK that's William's Car Garage?

utterance: Yes William's Car Garage. I got some I got some vehicles over there but I'm paid up. There's something happening with my account. Apparently they've overwritten some checks.

utterance: Terrific not a problem. I was able to go ahead and pull that up and just so that you know here we here at Intellibank we charge a thirty-five dollar cancel check fee. do you still wish to proceed with canceling this check?

utterance: Yes I want proceed canceling that check. Yes I do.

utterance: OK sir and we will go ahead and get that processed for you. and I was able to get that done there for you there Mr. Freeman.

utterance: Thank you very much. I really appreciate that definitely want that check canceled as soon as possible.

utterance: no worries at all. Look it's already canceled and will not be processed as you've requested.

utterance: Thank you.

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

utterance: Yeah I'm account credit card what's the status on that?

utterance: yes absolutely and if you're referring to your business platinum card is that correct?

utterance: Yeah that's what you call it. I say you say platinum yes that's what I'm referring too yeah.

utterance: Not a problem at all let me just get that pulled up for you. Do you have your credit card number for your Platinum account?

utterance: I don't have it on me at this second. Hang on just a second just second. Yes I've got it for you right here that credit card number is four zero three five seven nine three six six two six two zero nine zero six that's the card number.

utterance: OK terrific yes I'll be happy to get that pulled up for you and when you say you wanna know what the status is are you wanting to know what your available credit limit is or do you wanna know what the account balance is or when your next payment due?

utterance: All the above.

utterance: Not a problem at all. It appears I've got that pulled up for you there Mr. Freeman. Your available credit limit on your business platinum card is twenty-five thousand dollars and it appears you have an available account balance of nine thousand six hundred and thirty-three dollars and seventy-eight cents.

utterance: OK that sounds good.

utterance: And your next payment due date is November fifth of twenty twenty-one.

utterance: Thank you very much. That's good information. That's what I asked for. Thank you.

utterance: And Mr. Freeman of course we certainly do appreciate you doing business with us and of of course I know that the holidays are coming up and we of course wish you a terrific end of holidays here as well. Any big plans for the holidays?

utterance: No just to hang out with a little family and all this hey just prepare to get back to work.

utterance: are you you all doing anything with the business there as far as holidays?

utterance: No I'm just gonna give them a bonus check. I mean I think they can go and get buy their own food.

utterance: but that sounds. I'm sure money is always a a a a a thing most employees love.

utterance: Oh yeah cuz that all that food and that. For now I'll just give them a check. They can get their own food.

utterance: Well Mr. Freeman is there anything else I can help you with?

utterance: No that'll be all thank you very much.

utterance: Well again thank you for doing business with us and you have a great day.

utterance: And you too thank you.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi. Thanks for calling Intellibank. This is.

utterance: Oh.

utterance: can you hold on for a minute?

utterance: sure, of course.

utterance: Thanks. OK.

utterance: All right. You good? I. Thank you for calling Intellibank. This is Bill.

utterance: Mhm.

utterance: Hi, Bill.

utterance: How can I help you today?

utterance: Well, I'm calling for a few a few things. that usually when I like when I get on the phone with Intellibank. Intellibank?

utterance: Intellibank.

utterance: Intellibank. I I like all of my security questions asked just right right away.

utterance: Great.

utterance: Yeah, before I tell you why I'm calling.

utterance: Well, I could.

utterance: Of course. I can do that for you. So what is your full name?

utterance: Oh. Can you just hold on again?

utterance: Sure.

utterance: It's a bitty day. Busy day for us over here. OK.

utterance: Oh. To start, I need your credit card number.

utterance: OK. Well for that I'm just gonna. I'm gonna need to go get up and get my file. I don't have my card number written on it. And my card's out with an employee, so. So, can you hang on again?

utterance: Sure.

utterance: OK.

utterance: I will hang.

utterance: All right. Thank you.

utterance: Hello?

utterance: Hello?

utterance: Hi.

utterance: Hi.

utterance: so what was the first thing you were asking?

utterance: Well, you asked for just to get the security questions out of the way. So I'm gonna go ahead and ask for your credit card again.

utterance: OK. It's six two one.

utterance: Sure.

utterance: Three two.

utterance: Yeah.

utterance: Four four four four.

utterance: Mhm.

utterance: OK. And your full name?

utterance: My name is Lisette Roman Garnaro. I'm saying it slow so you can hear the pronunciation.

utterance: Of course. Yeah.

utterance: Mhm.

utterance: Roman Garnaro.

utterance: Roman Garnaro? Cool. Very good. And your oh date of birth?

utterance: Mhm.

utterance: May ninth seven. May ninth seventy-seven.

utterance: And the time?

utterance: Nineteen.

utterance: Seventy-seven.

utterance: OK. And the time you were born?

utterance: Two thirteen a.m..

utterance: Very good. And your security question, of course. The name of your pet?

utterance: Twinkle.

utterance: OK. Very good. what were you hoping to call for today?

utterance: Oh, can you also just check the the whole list of security questions off?

utterance: Of course. Yeah. The city you were born?

utterance: Pompei.

utterance: Pompei. Great. your favorite color?

utterance: Purple.

utterance: Mhm when your lost your virginity?

utterance: Seventeen.

utterance: Seventeen. OK. Great. That was it? That was all fun. Yeah. Great. How can we help you today at Intellibank?

utterance: Mhm.

utterance: Oh OK. Well I was hoping to talk about your loan options.

utterance: Sure. OK. So you are a small business owner. Correct? OK. And you are in the sole owner of your business?

utterance: Mhm.

utterance: I'm not.

utterance: You are not?

utterance: Yeah.

utterance: OK. Who. How many partners do you have?

utterance: I have three partners.

utterance: OK. Are they on the line with us right now?

utterance: I can I can try to connect them all.

utterance: We will need all three.

utterance: We'll all need to be on the call?

utterance: To to secure a

utterance: Loan. Yeah. Absolutely.

utterance: All right.

utterance: Wait. Will? You can stay on the line while I try to see who's available?

utterance: Of course.

utterance: And you're telling me I need all three on the?

utterance: We do need all three of the business owners who are on the the business deed.

utterance: Uh-huh.

utterance: To secure a loan, it's. We can't just go with one person or even two, we need all three in this case.

utterance: So it would be four of us in total.

utterance: If there's three other people, yes, that would be all four.

utterance: All right. Just give me several moments.

utterance: I will give you moments.

utterance: Hey, so I've got. I've got two of the three on.

utterance: OK. Very good. I'm I am sorry. I I do have to have to reiterate. We do need all of the owners in order to go further with securing a loan.

utterance: So. OK. Give me a second.

utterance: Do you wanna? It's possible you can call back, or you can even go online to Intellibank, Intellibank.

utterance: Uh-huh?

utterance: dot com. And you guys can all go through the loan application there.

utterance: Uh-huh.

utterance: Online?

utterance: Yes, online.

utterance: OK. All right. Well, I think we'll just probably do that then.

utterance: OK. if you need any questions, there is a twenty-four twenty-four hour, seven day a week helpline.

utterance: Can you give me that number, please?

utterance: Well, what it is, it's a. It's a little box and you just type. Yeah, like a chatbox.

utterance: Like a chatbox?

utterance: OK.

utterance: But they can help guide you through that process.

utterance: So I would.

utterance: Just. I would just use that. There's no number I'll call?

utterance: You're correct.

utterance: OK.

utterance: Well, you have a very good day. If there's anything else I can help you with?

utterance: Today?

utterance: Any day that you want.

utterance: OK. Thank you.

utterance: You're quite welcome.

utterance: OK.

utterance: Goodbye.

utterance: Goodbye.


utterance: Hello and thank you for calling Intellibank my name is Daisy and I will be assisting you on today's call who do I have the pleasure of speaking to today?

utterance: Daisy Daisy all right my name is Michael O'Connor.

utterance: Hello Michael how are you today?

utterance: I'm just doing fine, how are you?

utterance: I'm great thanks for asking.

utterance: Great. All right so Daisy I've I'm actually calling cuz I wanted to for a couple of reasons I'd like to change the statement delivery.

utterance: OK how you're receiving your bill got it.

utterance: That's correct.

utterance: I'd like to change the statement delivery, so I don't want the. I like the paperless.

utterance: OK.

utterance: And well how about we start there first?

utterance: Certainly.

utterance: How are you Daisy, you all right?

utterance: I'm doing great yeah and you sound like you're doing well.

utterance: I'm always doing well.

utterance: And may I ask where you're from originally?

utterance: I'm from Ireland you know?

utterance: That's what I thought.

utterance: Yeah.

utterance: You remind me of one of my favorite actors David Byrne David Gabriel Gabriel Byrne. That's me.

utterance: Gabriel Byrne.

utterance: Yeah of course yeah he's I didn't even know he was Irish he plays so many Americans you know.

utterance: Yeah.

utterance: That's true hat's true.

utterance: He play have you ever seen In Treatment?

utterance: every single episode.

utterance: You're joking, yes really good yeah it's like therapy on your own you know without actually going to therapy.

utterance: Yeah.

utterance: Exactly exactly save myself a hundred and twenty dollars an hour. But anyway, I'm sorry I'm getting distracted. .

utterance: Well it's

utterance: Twelve dollars a day a month when you go through HBO you know. Save yourself a hundred and twenty dollars an hour.

utterance: Exactly Michael may I get your last name please?

utterance: O'Connor.

utterance: OK all right and your four digit pin number?

utterance: Four five six two.

utterance: Four five six two.

utterance: That's right.

utterance: And can you please verify your date of birth?

utterance: Date of birth it's right it's it's seven five seventy eight.

utterance: Terrific OK all right and so we'll take you off the bills that are going to the home and the statements and change it to the email address that I see on file here.

utterance: Perfect.

utterance: And I I see it's just Michael O'Connor at Gmail dot com.

utterance: That's correct.

utterance: OK great. All right so that is done and what was the other thing I can help you with?

utterance: All right the other thing, I'd like to apply for a SBA loan.

utterance: OK do you know which one you'd like to apply for?

utterance: The five oh four.

utterance: OK very good. all right this won't take very long Im just gonna ask you some questions to input the information.

utterance: Let me ask you something like there so the SBA loan the five oh four is it when does the interest start to is it free interest for the first year and after the the first year then the interest goes up and it's no annual fee or what does that look like?

utterance: the interest will start as soon as you have the loan and it will start accruing right away. But it is a very low interest rate, it's two percent.

utterance: Two percent. OK that's great. All right. Let's get started on that. Yeah.

utterance: OK.

utterance: All

utterance: Righty and I see it looks like your home address and your business address are the same, shall we do the same for the SBA?

utterance: That's right please.

utterance: Great. And

utterance: What is the address?

utterance: For the SBA loan?

utterance: Yes.

utterance: It's four five six.

utterance: Mhm.

utterance: La Lafayette avenue.

utterance: OK.

utterance: Los Angeles California.

utterance: OK.

utterance: Seven nine two three seven.

utterance: OK very good and your social security number.

utterance: Social security is two three five five six seven eight three four.

utterance: Thank you so much and a driver's license number.

utterance: D L five six seven seven seven eight.

utterance: OK. And the pin number again.

utterance: Sure it's five six two three.

utterance: Thank you. And I'll use the same email address for you, Michael O'Connor at Gmail dot com.

utterance: That's right.

utterance: Wonderful what is the name of your business Michael?

utterance: We vote for Ireland.

utterance: I'm sorry one more time we vote fore Ireland?

utterance: We vote for Ireland.

utterance: Got it OK and are you the sole business owner?

utterance: I am.

utterance: Great. when did you establish your business?

utterance: Last year.

utterance: So two thousand twenty.

utterance: Two thousand twenty yeah.

utterance: Great and what were your annual sales last year the gross annual sales?

utterance: Though we started at about seventy thousand.

utterance: Seventy thousand OK and can you tell me your tax ID number please.

utterance: It's three three five.

utterance: Great.

utterance: Two four six seven eight nine.

utterance: OK very good OK and you said your business and mailing address were the same.

utterance: Correct.

utterance: OK and then what is the amount of the loan that you'd like to apply for?

utterance: The amount of the loan OK so I'd like to do thirty thousand.

utterance: Wonderful. And there will be a down payment due as soon as the loan is approved anywhere between five to twenty percent, what would you amount what amount would you put down?

utterance: Five to twenty percent so let's do about five thousand.

utterance: OK. All right that's all I need from you, your application is complete you will hear back between seven to ten business days and I just sent you a link to upload the documents that we'll need, which is a copy of your driver's license and your tax ID number everything else is complete.

utterance: You're just so wonderful

utterance: thank you so much Michael. So were you. Is there anything else I can provide for you today?

utterance: OK.

utterance: Oh Daisy, nothing else.

utterance: well thank you again for calling Intellibank and have a great day.

utterance: You too love.

utterance: Thank you.

utterance: Yes yes.


utterance: Thank you for calling Intellibank. My name is Samara and I will be glad to assist you on tonight's recorded call for customer satisfaction and security. Who do I have the pleasure of speaking to this evening?

utterance: Hi there. This is Jason.

utterance: Hi Jason, how are you tonight?

utterance: I'm doing pretty good. How are you?

utterance: I'm great. Thank you. What can I do for you tonight Jason?

utterance: OK. Well, I want to I wanna actually send some money over to my parents. and they're currently in England.

utterance: OK.

utterance: Yeah. They're they're stuck there right now.

utterance: Oh no.

utterance: Yeah.

utterance: It's just kind of a situation immigration stuff you know, and I wanna make sure that they are taken care of. So.

utterance: Mhm.

utterance: OK.

utterance: I wanna send some money over and I just wanna make sure that you know, they the the currency, what the currency is, exchange rate.

utterance: OK, certainly. so let me just pull some information up about you so I can access your accounts.

utterance: OK.

utterance: just in case I need to see anything here. Jason, what is your last name?

utterance: Uh-huh.

utterance: It's Lane.

utterance: L A N E?

utterance: Uh-huh.

utterance: OK, Jason Lane. Sounds like a street in England.

utterance: Jason Lane. It sounds like a movie star.

utterance: Yeah, it does actually.

utterance: Could be.

utterance: Could be. That's what I've gotten at least.

utterance: OK. So Jason, may I please have the four digit security PIN that's associated with your account?

utterance: Yeah.

utterance: Yeah, the four digit security Pin is hold on, let's see what did I forget the security Pin? Oh, my God. What if I don't have it?

utterance: Well, do you have it written down someplace? I mean I can if you don't have it I can still pull up your information. It's just a lot more information that I have to gather for security purposes.

utterance: Shoot. Let me see. Hold on.

utterance: OK.

utterance: OK. I'm back. Is it wait, let's see, is it one three five two?

utterance: OK.

utterance: One three five two. Yes, it is.

utterance: Wow. Really?

utterance: Yep, that's it.

utterance: I cannot believe it. I was totally like no way this can be it but.

utterance: Yeah, we can access your information but it's it just takes a lot longer for security purposes. I might suggest that you write down write that down or keep it in a secure place. just just.

utterance: Maybe, maybe tattoo.

utterance: It.

utterance: I wouldn't do that because we wanna make sure it's secure.

utterance: Oh, yeah, that's right.

utterance: OK. And then just to verify please your date of birth?

utterance: yeah. date of birth is June forth nineteen eighty.

utterance: OK. Great. OK. This pulls up all your information for me. I do see here that you have your credit card with us, your checking, your savings, your you have investments and your loans with us, so thank you for being a valued customer.

utterance: OK.

utterance: Great, great, great, great, great.

utterance: Correctomundo.

utterance: OK. And I'm gonna check the exchange rate for you but when we do the transfer will will we be doing it from your checking or your savings?

utterance: When you do the transfer you're gonna be doing it from my checking.

utterance: OK. I see you've got our business gold excuse me, business total checking account with us.

utterance: Uh-huh.

utterance: That's right.

utterance: All right. So let me check the dollar to the pound, the euro pound.

utterance: OK.

utterance: I'm sorry. The the the euro. I'm s~

utterance: The pound.

utterance: To the to the I'm sorry, the huh the the dollar to the pound.

utterance: OK, great. One moment. OK, so All right. It's right now the pound is coming in at point eight seven compared to the American dollar.

utterance: Yeah.

utterance: OK. Forty-eight seven. So if I were to transfer over five thousand what am I looking at?

utterance: Let me convert that for you. It would be coming in at forty-on forty-one hundred pounds.

utterance: Forty-one hundred OK. boy can definitely use that money.

utterance: OK.

utterance: All right. let's go ahead and transfer that over.

utterance: OK.

utterance: I'mma transfer that over right now.

utterance: All right. And is? So this is going to an international account obviously?

utterance: Yes.

utterance: Yeah, yeah. Exactly.

utterance: OK. Do you have?

utterance: The account number available where it's going?

utterance: Yes. You have my account too right now, right?

utterance: I have your account. I'll just need the account where it's where it's going.

utterance: OK, so.

utterance: Yeah. Sure.

utterance: It's going to hold on. One six.

utterance: Mhm.

utterance: Zero zero.

utterance: Mhm.

utterance: Four three four three nine zero.

utterance: OK. Great. And then do you have the routing number or the wire transfer number?

utterance: Yeah, it's six six seven seven one one two three.

utterance: One one two three?

utterance: Yeah.

utterance: OK. one moment please while I'm initiating the transfer. Just to let you know, it is the end of business day on our end so it will take twenty-four hours to for them to be able to have access to the funds.

utterance: Uh-huh.

utterance: OK.

utterance: I'll let them know that.

utterance: OK. So it will be let's see. Approximately three a.m. Today is the first. It will be available three a.m. on November third on their end.

utterance: Three a.m. November third on their end. OK. Great.

utterance: OK. Is there anything else I can do to assist you this evening?

utterance: No, that is it. You've been lovely.

utterance: Oh, you too. Thank you, Jason and thank you for calling Intellibank.

utterance: Thank you. Bye bye.

utterance: Bye bye.


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

utterance: Hello. I was just wondering if I could check the balance due on my credit card. Oh never mind. I just checked my email and my statement is in it. I do have another issue. I just required a new office manager and I needed to add them to my business checking account so they can purchase office supplies when needed. Can I do that over the phone? can I also set their limit on how much they can spend?

utterance: Yes sir. You can absolutely process that that user account information over the phone. And the limit amount is actually set by the amount you have in your system, sir. So you actually can't set it up to only allow them to use so much.

utterance: Oh OK.

utterance: Right sir. So you probably wanna discuss that with your office manager.

utterance: Oh.

utterance: OK. discuss it with them.

utterance: All right, sir.

utterance: Yes sir.

utterance: All right.

utterance: OK sir, so you wanna go ahead and add the user to your account now?

utterance: yes if you don't mind.

utterance: OK sir. I'll need to get a little information from you so that I can go ahead and process this in the system.

utterance: All right.

utterance: OK.

utterance: All right sir, can I have your first and last name please?

utterance: yes. My name is William Greyson.

utterance: OK sir. Can I have your date of birth?

utterance: Yes. My date of birth is five twelve one nine seven four. And my social security number is four three two eight six three nine six nine, just in case you needed that.

utterance: OK sir. Thank you for that information. And could you give me the PIN that's associated with this account?

utterance: Yes the PIN to the account is five five two three.

utterance: All right sir, and could you give me your account number please?

utterance: Yes. My account number is six one zero four four four five one zero one zero.

utterance: All right sir. Could you also gimme the new user first and last name please?

utterance: yes. His name is Timothy Davis.

utterance: All right sir. And could you gimme the new user address?

utterance: Yes. The address is twenty-four oh six Midway road.

utterance: In what city?

utterance: Forum.

utterance: State?

utterance: Arkansas.

utterance: And the ZIP code, please?

utterance: Seven two seven three one.

utterance: OK sir. To verify, the new user is Timothy Davis. His address is twenty-four oh six Midway road in Forum Arkansas. And ZIP code is seven two seven three one, correct?

utterance: Yes.

utterance: Correct.

utterance: OK sir. Do you have the new user's social security number?

utterance: yes. He just gave it to me today. it's four three two four seven nine zero five two.

utterance: OK sir. That was four three two four seven nine zero five two?

utterance: Yes, ma'am.

utterance: All right.

utterance: Thank you so much, and do you have the new user driver's licence number?

utterance: yes I do. It is zero six four zero two nine zero four three.

utterance: All right sir. And what location is that for?

utterance: Is that it's for Arkansas.

utterance: All right sir, thank you for that. So that new user number for his driver's licence is zero six four zero two nine zero four three.

utterance: Yes.

utterance: OK sir. And could you gimme the email address for that new user please?

utterance: yes. T Davis forty at Gmail dot com.

utterance: All right sir, thank you for that. And could you gimme the new user's date of birth please?

utterance: Yes. His birthday is six sixteen nineteen seventy-four.

utterance: All right sir. And do you have a PIN you'd like to set up for that account?

utterance: yes it's nine eight two one.

utterance: OK. Nine eight two one. All right sir, can you hold on for one moment while I add that new user to your account, please?

utterance: Yes.

utterance: I sure can. So how so how have your day been so far? You been working hard?

utterance: Oh yes sir. It's been actually a fairly simple day today. I've only had about ten customers call in, but I still been working hard because I needed to finish a lot of paperwork before the holidays.

utterance: yes.

utterance: Oh yeah. I gotta get all that done or else my boss won't let me off.

utterance: Oh man, yeah you don't need that.

utterance: Oh yeah. That's just joking. He has no choice, so. All right sir. I've gone ahead and added that new user to your account. We should be able to send out some information to you today, but his card for this account will be sent to the address on file. Either your biz or your home address. Would you like this sent to the business address, sir?

utterance: yes.

utterance: All right sir. I'll go ahead and send it to the business address on file with us. You should expect that information in the mail within the next three to five business days.

utterance: OK. Appreciate it.

utterance: Oh.

utterance: All right sir, thank you so much. Is there anything else I can help you with?

utterance: that's about it.

utterance: All right. Thank you Mr. Greyson for your time and patience. Again my name was Cassandra. And hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you sir.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hello. Thank you for calling Intellibank, my name is Trent. How can I help you today?

utterance: Hey, Trent. I just needed to inquire about about my balance. I just need to figure out what my balance is.

utterance: I'll

utterance: you need to get your balance due today?

utterance: Yeah, right, the balance due, I just need to figure out how how much I owe.

utterance: OK.

utterance: why don't we just look that up for you?

utterance: OK, thank you. Yeah, I'm just going through my financials here. just trying to get in shape for everything.

utterance: I understand.

utterance: We got. We got.

utterance: Some stuff on the horizon, so, I just wanna make sure I'm in good standing with everything, and figure out what I gotta withdrawal for, you know. Yeah.

utterance: Yeah.

utterance: Upcoming.

utterance: Dues and all that.

utterance: I'll pull that up for ya. I'll first just let me just start by getting your first and last name.

utterance: Mhm.

utterance: Oh, I'm sorry. Yeah, my my first name, yeah the name is John Wilson.

utterance: John Wilson.

utterance: Right.

utterance: John, I need your date of birth as well.

utterance: OK, the date of birth is September third nineteen eighty-one.

utterance: September third, nineteen eighty-one.

utterance: Right.

utterance: And finally your four to eight digit personal PIN number.

utterance: crap, I thought. you can't just use my social? Inform~

utterance: No, sir, I will need that PIN number that is specific to your account.

utterance: Security number.

utterance: OK, I've, I gotta look that up. I'm sorry, give it, let me put you on hold.

utterance: No problem. Take your time.

utterance: OK.

utterance: I'm back. Are you still there.

utterance: yes, Sir.

utterance: OK, I've got the PIN here for ya.

utterance: yes, so actually I'm going to need your PIN and your account number if you have that handy.

utterance: Oh, yeah. Yeah, I got that here too. OK, yeah. The PIN is three six four six one and the account number is, let me see here.

utterance: Yeah, OK. Four four two three six three seven nine zero.

utterance: All right. Let me just make sure that gets us in here.

utterance: How's your day going so far?

utterance: Pretty good. How about you?

utterance: All right, you know. Can't complain. It could be worse.

utterance: I understand. Well hopefully, we'll get this info for you as soon as possible and you can enjoy the rest of your day.

utterance: Okey-dokey.

utterance: Whew, I'm yawning over here. Excuse me.

utterance: Is your day almost over, or just started, ?

utterance: I'm in the home stretch. Got about two hours left.

utterance: There you go, nice.

utterance: OK, so Sir, I have you logged in here, and I'm looking at your investment term loan, is that correct?

utterance: I believe so, yeah.

utterance: OK, now the balance due on that the current total balance due is three thousand, seven hundred and twenty-six dollars and nineteen cents, with a minimum payment due this month of one hundred and thirteen dollars.

utterance: Well, that's good. I was worried it might be a little higher. All right, that's yeah, I was, I might have had that it confused with like an, a utility bill or something.

utterance: All right, that's good to know then. Then I guess I can, I can take care of that myself in terms of you know, so making payment.

utterance: Yes, absolutely. I also wanna let you know that in these times we do have available the SBA seven A and the SBA five oh four small business loans. If that's something you're interested in, you can just let me know.

utterance: Or, you can go onto our AP and set up an appointment to go over that with a loan specialist.

utterance: Oh. I.

utterance: Can do appointments on the app, too?

utterance: Yeah, set it up either online consultation or going into your local branch and speaking to a specialist there.

utterance: OK. Mhm All right, well good to know. Thanks for your time.

utterance: No problem. Thank you so much for calling Intellabank and for being a valued customer since two thousand nine. There'll be a brief survey it'll be another call you'll receive in a few minutes and it ask you how the customer service went for you on the phone. But, I will let you go for now. Thank you so much.

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

utterance: Bye bye.


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

utterance: Yes, I would like to apply for a loan for my business.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so what type of loan are you wanting to apply for today?

utterance: I'm actually thinking about maybe trying to apply for a secured loan.

utterance: OK, let me get some information from you real quick here. Do you have an account with Intellibank?

utterance: I do.

utterance: OK, what is your account number?

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

utterance: Thank you, Jill. Real quick here, so, what is the name of the business?

utterance: so my business name is Johnson Controls.

utterance: OK, you said Johnson Controls, is that correct?

utterance: Yes, that's right.

utterance: OK.

utterance: Oh, I'm so sorry, I need to change that. That was my personal account number that I gave you. I'm sorry, my business account is seven five six two nine nine three zero, and it's Johnson Controls. I'm so sorry.

utterance: That's all right, no problem at all. OK Jill, what is your date of birth?

utterance: March second of nineteen eighty.

utterance: OK, and it looks like this account has a four digit PIN on it for security purposes. Can you provide me with that four digit PIN number?

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

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

utterance: I'm in Kansas City, Missouri.

utterance: And what is your street address there?

utterance: It's five three nine, Huton Road, Kansas City.

utterance: OK, and what is your ZIP code?

utterance: Seven three eight two zero.

utterance: All right, thank you for that. Can I also get your Social Security number, Jill?

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

utterance: And can I get your I'm sorry, your driver's license number?

utterance: That's nine three seven zero zero two zero zero.

utterance: OK, and is that a Missouri driver's license?

utterance: Yes, it's Missouri, yeah. I'm from Europe, though, if you can't tell.

utterance: I, I could definitely tell from your accent.

utterance: Yeah, I've been in the US for fifteen years, but I still haven't lost the accent yet.

utterance: well I grew up in the South, so I had a very Southern accent until I was about twenty. so every now and then whenever I get upset it still kinda comes out, but for the most part I've I've lost most of that.

utterance: yeah, it's, so after all these years my my dialect is a little mixed, it's like a little American and a little English. so it can be really confusing sometimes. I've got I've got both of the dialects kind of down on point.

utterance: Well, I completely understand you so you don't need to worry here. Jill, can I ask you just a few more questions here? real quick here, are you are you the only owner of the business?

utterance: Wanted to know the but yes, I'm the only owner on that business.

utterance: OK, and when did your business open?

utterance: It was October of two thousand and twelve, I believe October nineteenth.

utterance: OK, and Jill, do you happen to know what your business processes annually?

utterance: so I believe last year we did like five hundred and ninety thousand.

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

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

utterance: OK, I just wanna verify again, it's Johnson Controls, right, that's the business name?

utterance: Yes that's right.

utterance: And what is the address of the business?

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

utterance: OK, and can I confirm an email address for you?

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

utterance: And where do you receive your mail? Is that at the business address or your home address?

utterance: You can just mail everything to me at my business, I'll get it there.

utterance: OK, and that's the eight three seven two Hillshire Way, Kansas City, right?

utterance: That's right.

utterance: OK Jill, can I ask why you're seeking this loan?

utterance: I'm just trying to build up on the business, trying to make some improvements here and there and get some more revenue dropped in basically.

utterance: OK, I can understand that. How much were you looking to borrow?

utterance: I was wanting to borrow around a hundred K if possible.

utterance: OK. And what are you wanting to use for collateral?

utterance: So, I own the building that the business operates out of and is around five acres around it that I also own, so that's probably what I'll use.

utterance: All right, do you know what that land and property is valued at?

utterance: So, it was appraised probably a year ago at three hundred and twenty-six thousand.

utterance: OK. And what term are you looking for for that loan?

utterance: I was probably thinking around five years if possible.

utterance: OK, Jill. So, what I'm gonna do is I'm gonna go ahead and send this through for you, see if I can get a pre-approval for you. Gimme just a moment, OK?

utterance: Thank you. can you tell me if if I use the building as collateral, if something happens with the loan, will they come and take the business property?

utterance: so Jill, it is possible, if the loan goes in default for some reason, if it goes into that default, if you have used your property as collateral that that business can be taken by the bank. so but if you're maintaining your, your payments, you should be fine.

utterance: My goodness, that's scary, but so, as long as I make my payments, I don't have anything to worry about, then?

utterance: Yeah. as long as the loan doesn't go into default, you will be fine. You shouldn't have anything to worry about.

utterance: OK, thank you.

utterance: All right, Jill, so I did get that pre-approval for this loan. So what I'm gonna do now is I'm gonna send you through to speak with one of our loan agents, and then they will gather some additional information from you, work on processing that loan for you. OK?

utterance: All right, thank you.

utterance: OK, Jill, before I transfer you I just wanna make sure there's nothing else I can do to help you today.

utterance: No, you've done great, thank you.

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


utterance: Hey, it's Leon. How can I help you at Intellibank?

utterance: Hey, this is Ronnie. Ronnie Dean. yeah, so I I called earlier this morning and I I I was talking to someone and and the call dropped.

utterance: Mhm.

utterance: OK.

utterance: They were supposed to call me back they didn't. I called them again and it was busy.

utterance: Mhm.

utterance: OK.

utterance: And I've been on hold for like forty-five minutes.

utterance: OK.

utterance: You guys having a busy morning or what?

utterance: Yeah, yeah. we've gotten a lot of people calling today. It's one of those

utterance: Yeah.

utterance: the day after the holiday is always real busy.

utterance: I guess so. Well yeah no it it was a process to finally get on on with an agent. So can you just take my number down in case if the call drops then please call me back?

utterance: Mhm.

utterance: Yeah.

utterance: Yeah, yeah. What's the number?

utterance: All right It's nine.

utterance: One six.

utterance: nine one six.

utterance: Four three.

utterance: Two one four seven seven.

utterance: OK.

utterance: Again, the name's Ronnie Dean.

utterance: Ronnie Dean?

utterance: Yeah, Dean D E A N.

utterance: OK.

utterance: and yeah, so I. Yeah I. Stressful morning. I hope I don't have any issues.

utterance: OK.

utterance: Now that I'm on the phone with you.

utterance: Yeah, I'll I'll do my best.

utterance: So, I have I have a business account and so essentially I need to get an appointment with the notary.

utterance: OK.

utterance: OK.

utterance: Yeah.

utterance: OK. Yeah, we can do that.

utterance: You can do that?

utterance: Yeah. Yeah.

utterance: OK. So like you have any availability this week? Maybe like end of the week on a Friday?

utterance: Huh, or

utterance: Before I do that, I'm gonna have to ask you some information to verify it's you.

utterance: Oh, OK.

utterance: So, OK. Full name is Ronnie Dean, right? And and and what is your date of birth?

utterance: Right.

utterance: OK. That's seven fourteen sixty-eight.

utterance: Seven fourteen sixty-eight?

utterance: Yup.

utterance: And what about the PIN?

utterance: The PIN?

utterance: Yeah.

utterance: Yeah, that's four four three two.

utterance: OK. Four four three two. The account number?

utterance: account number is one zero nine three zero six.

utterance: Mhm.

utterance: Seven eight.

utterance: OK. One zero nine zero six. How about your social security number?

utterance: OK that's five one three nine two seven.

utterance: Mhm.

utterance: Seven zero five four.

utterance: All right. so your your your address?

utterance: Oh, where I live?

utterance: Yeah.

utterance: Oh, OK. Thirty-eight fourteen Maple Avenue. yeah and so yeah thirty-eight sixteen Maple Avenue. you want my email address, too?

utterance: I'll give you my email address.

utterance: Yes.

utterance: It's

utterance: Just it's just it's just Ronnie Dean.

utterance: OK.

utterance: At Gmail dot com. Real simple. Just like my name.

utterance: OK.

utterance: OK.

utterance: Yeah, yeah. You want my

utterance: I want the Also the business name and your your driver's license number.

utterance: Oh, driver's license number? Hold on. Let me grab that from my wallet. Hold on. That's here we go. Here's my license. It's F eight zero zero four three two nine.

utterance: Mhm.

utterance: OK.

utterance: That's from my license.

utterance: OK.

utterance: What's the other thing you need?

utterance: I want to know the name of your business.

utterance: Oh.

utterance: And the establishment date.

utterance: Yeah.

utterance: Yeah. Yeah. so the name of the business is Duck Mania.

utterance: Duck Mania?

utterance: Established in two thousand fourteen.

utterance: OK. What's the exact date in two thousand fourteen?

utterance: March fourth two thousand. Yeah.

utterance: March fourth.

utterance: OK. And your tax ID number?

utterance: Oh, asking a tough question. Give me one second. Let me just run to the office and grab that.

utterance: All right.

utterance: All right. I think I got it. It's it's seven six four.

utterance: Mhm.

utterance: Three nine eight.

utterance: OK.

utterance: one four two seven.

utterance: OK.

utterance: Actually, a few more digits. Five nine.

utterance: Uh-huh.

utterance: One four zero.

utterance: OK, and the gross sales?

utterance: yeah. For what year?

utterance: of last year.

utterance: Twenty twenty? it says here seven hundred and sixty-three thousand dollars and five hundred and forty-two.

utterance: Yeah.

utterance: OK. All right. Well then Yeah. It looks like the business is same as your home address. So let's see.

utterance: Yeah.

utterance: That's essentially the reason reason I'm calling is I want to open a checking account.

utterance: OK.

utterance: I I can do that?

utterance: Yeah, yeah. Let's open that here.

utterance: Yeah, just like a.

utterance: Business preferred checking account.

utterance: Yeah. Yeah. Let me get in here and All right. Yeah. and what's the the banking account number and routing number you want this to from from from your original bank.

utterance: Oh. Yeah.

utterance: Your

utterance: Personal bank.

utterance: so the the bank number is four three two.

utterance: Mhm.

utterance: Nine seven one.

utterance: Mhm.

utterance: Zero zero four six seven three nine.

utterance: OK. And and the notary appointment, we've got one open on Friday at three o'clock. Is that good for you?

utterance: That's good.

utterance: Let's do that.

utterance: OK. Well is there.

utterance: That's.

utterance: That's it.

utterance: OK. Well, you have yourself a wonderful day and thanks for banking with Intellibank.

utterance: Have a better one.

utterance: All right. Thank you.