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

utterance: Yes I need to update my address street address. I think you already have the street address but I wanna add a a PO Box.

utterance: OK not a problem at all, I'll be happy assist you with that ma'am.

utterance: OK, thank you so much.

utterance: And if I could just ask, what is your first and last name?

utterance: Evelyn Richards.

utterance: OK and Ms. Richards, let me ask, what is the name of your business?

utterance: Sally's Hair Salon.

utterance: Alright, that's Sally's Hair Salon?

utterance: Oh that's it.

utterance: OK, and I'll just need to ask a little bit of information here to confirm your account, because we do take account security very seriously here.

utterance: Well, you know, I'm glad to hear that. I mean, that's important right now.

utterance: Yes ma'am, you're right. I mean cyber security is a growing threat across the nation, and so we really want to protect our customers account information, because obviously you've trusted us with your funds for your business and for yourself. And so we want to ensure that your funds are protected, and only those who really have access to your funds such as you or those who you authorize, are able to access those funds and make any changes as necessary.

utterance: Great.

utterance: now Ms. Richards let me ask, what is your date of birth and phone number?

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

utterance: OK and let's see here let me ask Ms. Richards, what is your total, your business total, account number?

utterance: Alright, the account number is nine eight four six five nine.

utterance: OK, that number is nine eight four six five nine?

utterance: OK, I'm sorry that's not right.

utterance: the correct number, the right one, is eight eight four six five nine.

utterance: OK, let me repeat that number back to you just to be sure that I have that correctly. The number you said for your account is eight eight four six five nine. Is that correct?

utterance: That's correct, I apologize that the first one was wrong.

utterance: Oh not a problem at all Ms. Richards, more than happy to assist. And that's, again, why we wanna ensure that we verify your account and pull up the right information for your protection of your account.

utterance: And that's good, you know how it is when you got a lot going on.

utterance: Absolutely not a problem at all. It's it's always busy when you're a business owner, is that right?

utterance: It is, but I love that because that's why we're business owners.

utterance: yes ma'am, yes ma'am. and one last question here, what is the PIN number for your account, Ms. Richards?

utterance: One zero one seven.

utterance: OK, that's one zero one seven?

utterance: Yes it is.

utterance: Alright.

utterance: And what we'll go ahead now and do, Ms. Richards, is just go ahead and update and add the, I believe you said, PO box to your account for your address, or what changes specifically did you want to make to your address?

utterance: Right I just wanna add the PO box to it, which is PO box one oh seven.

utterance: OK so you wanted to add a PO box to the account while all of the remaining address on your account stayed remains the same?

utterance: Correct.

utterance: OK and you said that the PO box was PO box one oh seven?

utterance: Yeah that's right.

utterance: And what city and state is that PO box in?

utterance: Smyrna Georgia.

utterance: OK that's PO box one oh seven, Smyrna Georgia. And what is the ZIP code?

utterance: Three zero zero eight zero.

utterance: OK, I'm gonna repeat that full address back to you.

utterance: you want that to be PO box one oh seven, Smyrna Georgia, three zero zero eight zero. Is that correct Ms. Richards?

utterance: Yeah, that's correct.

utterance: And let me just ask you Ms. Richards, I've gone ahead and added that address to your account did you want this to become your new mailing address? Or what did you want to do with this address? Do you still want mail sent to your physical address location that we have on file? Or did you want mail sent to you this PO box that you're adding here today.

utterance: Thank you for asking that question, yes I want this to be where you send the mail going forward.

utterance: Absolutely, I'll go ahead and make that adjustment in the system so now moving forward all physical mail that we send out to you will be send to this PO box as your new mailing address.

utterance: OK, thank you for that.

utterance: And I think we've got everything done here on my end. let me just ask, Ms. Richards, is there anything else I can assist you with here today?

utterance: No, not today.

utterance: Alright well if that is all we certainly do appreciate you giving us a call here and you certainly have a terrific day.

utterance: You too.

utterance: Thank you now.

utterance: You welcome.

utterance: Bye bye.

utterance: Bye.


speaker_role: Agent

utterance: Hello and thank you for calling Intellibank. My name is Janice and I will be assisting you today on this recorded call for customer satisfaction.

utterance: May I ask who I have the pleasure of speaking to today?

speaker_role: Customer

utterance: Hi, how's it going? My name is Brady.

utterance: Hi Brady, how are you today?

utterance: Oh I'm doing good.

utterance: Great. What can I do for you?

utterance: Well, first up I was hoping if I could update my phone number?

utterance: Certainly, I can do that for you. That'll only take a moment. let me just get some basic information so I can pull you up in our system.

utterance: Thank you.

utterance: Brady, may I get your last name?

utterance: Sure thing. It's Dylla.

utterance: I'm sorry could you spell that for me.

utterance: It's

utterance: D Y L L A.

utterance: Oh. Dylla. OK great.

utterance: Thank you.

utterance: And Brady is spelled B B R A D Y?

utterance: That.

utterance: Sounds right.

utterance: OK. One moment.

utterance: All right, and there is a four digit PIN number that you created for security for all of your accounts. May I have that please?

utterance: Eight seven three four?

utterance: Eight even three four. OK, very good.

utterance: All right, you are coming up in my system, I just need to verify your date of birth.

utterance: Sure thing. It is October twenty-seventh nineteen ninety-six.

utterance: All right. Well happy belated birthday.

utterance: Thank you, appreciate it.

utterance: You're welcome.

utterance: All right so, let me tell you the number that I see and, if that's the number you want to remove, I will take it out.

utterance: Yes.

utterance: I see area code two one three nine four seven two two, one nine.

utterance: Mhm.

utterance: Mhm.

utterance: Yes that's correct. I just just ready for something new.

utterance: OK. So I will be removing this or shall I be keeping this as a secondary number?

utterance: Yeah.

utterance: No, I'd just like it removed all the way through. So many people have it.

utterance: OK one mo~

utterance: Not a problem. Yeah you gotta change things up sometimes.

utterance: Yeah.

utterance: And I do see you have several accounts with us so bear with me one moment, I can actually go in the system and change it for all of your accounts.

utterance: Fantastic.

utterance: Give me about mm fifteen seconds. You'll hear some silence while I'm doing this.

utterance: Mhm.

utterance: If possible I'd still like the same area code.

utterance: Oh certainly. You'll be letting me know the new number. I'll just be inputting it in the system.

utterance: Mm K.

utterance: Great.

utterance: OK all of those changes have been made. Go ahead and let me know the new number.

utterance: Thank you. It's eight one eight two one five five five three seven.

utterance: Mhm.

utterance: OK.

utterance: Three seven. OK.

utterance: One moment. I'm gonna go in I'm I'm gonna change this for your credit card, your checking and your savings. So bear as well as the general system.

utterance: Thank you.

utterance: Just bear with me again. You'll hear probably anywhere from ten to twenty seconds of silence.

utterance: All right.

utterance: All right, I've changed it in the in the general system, now I'm changing it on your credit card.

utterance: Right.

utterance: All right, now I've changed it in the checking account system.

utterance: Thank you.

utterance: And one last one. Let me just update the savings account.

utterance: Perfect. All right, your phone number has been updated.

utterance: So can, I have another issue as well with my Teller Bank credit card.

utterance: OK. with the Intellibank card?

utterance: Oh, it's Intellibank? OK. Thank you.

utterance: Yeah. .

utterance: Not a problem.

utterance: Fine.

utterance: Yes. I would like to see how much money is due on my credit card.

utterance: All right, not a problem. Let me pull that up. I see that you have our business Silver Card.

utterance: Thank you.

utterance: All right and just to access that I will need the account number, please.

utterance: Mhm.

utterance: It's five four three.

utterance: Mhm.

utterance: Three five four five five three two eight one seven five.

utterance: Oh.

utterance: Eight one seven five. OK, perfect. So let me check here.

utterance: OK. The I'll I'll let you know that the balance that is due is going to be two hundred dollars.

utterance: Mhm.

utterance: Well, that's not bad and it's due by what? The twenty-eighth? That correct?

utterance: The twenty, yes, the twenty-eight of this month.

utterance: Right.

utterance: And I am noting here that it looks like you've been paying well more than the minimum balance and well in advance so thank you for that.

utterance: Oh no problem.

utterance: OK. did you need to know the credit limit? Or did you have any other questions about the card?

utterance: No.

utterance: I'm happy with my credit limit right now.

utterance: OK.

utterance: But I'll let you know if that changes so.

utterance: OK, wonderful. Well I, again as I was saying, I see you've been a long time customer with us so thank you for your loyal patronage.

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

utterance: No, I think that's about all.

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

utterance: You have a great day too.

utterance: Oh thank you. Yes, it's a lovely day outside. I I can't wait till I'm done and I get to enjoy it.

utterance: All right. Bye.

utterance: Bye.


utterance: Hello. Thank you for calling Intellibank. Home of the smart savings and low rate SBA loans. My name is Ian. How can I help you today?

utterance: Hey Ian. my name is George and I'm calling to find out you know I'm you know I'm looking to purchase make a make a stock market order. And you know I'm wondering is it a good time to make those kinds of purchases?

utterance: Well, I'm no stock professional George but what I would say about investing is that it's always a good time to invest. Whether small or large I think it's it's important to get started and stay consistent with it. So I think you're making the right move by inquiring about this. And I could definitely help you out with that here at Intellibank.

utterance: Well I've been looking online and doing my own research. You know and you know I wanna make multiple purchases on the market today. So let's let's let's get that going. Let's get it from my account and get that going.

utterance: OK.

utterance: OK George. We can do that. I just need to gain access to your account. I'll need to verify some information before we can make that purchase and make sure we're being secure. George, what's your first and last name?

utterance: All right.

utterance: George Lock.

utterance: OK Mr. Lock and what is your four digit pin number associated with your account?

utterance: Two two two two.

utterance: Twenty-two twenty-two. OK.

utterance: Yes sir.

utterance: Give me one moment while that opens up your account. OK. If you just just do me a favor George and verify your date of birth.

utterance: that's seven twenty-two eighty-five.

utterance: Seven twenty-two eighty-five. All right. Great. OK. And also verify your mailing address, sir.

utterance: Oh that's that's the easy one. Forty-three sixty-eight Wilber Avenue and that's LA nine oh oh oh one.

utterance: Nine zero zero zero one.

utterance: You got good weather like we have out here?

utterance: well we have we're in California. So it's it's pretty a safe bet that we're gonna have good weather just about every day.

utterance: Oh we're in the.

utterance: Same area. OK.

utterance: Yes. A little chilly but that's to be expected. OK. So we have your shipping we have your address verified is your business address the same as your shipping?

utterance: Yeah.

utterance: Fantastic. OK. So we're ready to buy some stock. What is the stock symbol that you're wanting to purchase? The company that you're wanting to buy from.

utterance: Yeah.

utterance: Yeah. What is their stock symbol?

utterance: X K P.

utterance: X K P. OK. All right. That is their stock symbol. For extra parental care. All right and how many shares of that stock would you like to purchase?

utterance: Mhm.

utterance: Let's go with.

utterance: Four hundred.

utterance: Four hundred shares. Now that I will advise you they're going at three dollars a share. So four hundred shares twelve hundred dollars. Just to make sure that you know that that's the amount that's going to be billed to your business account. Do I have your permission to buy four hundred shares of X K P? OK. Just let me go ahead and put that transaction through. OK. Congratulations you own four hundred shares of X K P.

utterance: Yes sir.

utterance: That's great.

utterance: And you said you wanted to make multiple purchases. was there another company you wanted to buy stock from?

utterance: yeah. The next one was ZX five.

utterance: ZX five. OK. Oh that's the new technology chip that's come out. OK. All right how many shares of that?

utterance: Twenty.

utterance: I'm gonna buy twenty.

utterance: And that's it.

utterance: Twenty shares of that one that.

utterance: That'll that'll that will be it for today.

utterance: OK. Those shares are going for five dollars per piece and you're buying twenty of those. One hundred dollars. Also to be billed to your your business account?

utterance: Yeah.

utterance: OK. Great. Give me one second while I get that purchase placed for you as well.

utterance: OK.

utterance: Oh well congratulations. Well George you have made your stock purchases. We will send out an email that will detail all this information about what you've purchased and the price you purchased them. Any type of tracking information that you wanna do for your stocks you can do that through our mobile app. I will send you the link to that. Is there anything else I can help you out with today George? OK. Well once again congratulations and have a great day George.

utterance: No.

utterance: All righty you too. Thank you very much.

utterance: Thank you. Bye.


utterance: Thank you for calling Intellibank commercial and business division. This is Amber, how can I help you?

utterance: Yeah hi Amber, this is John Waters at Them Grapes.

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

utterance: Oh I got a promotional flyer in the mail for you triple diamond plus. It says here I can get a free toaster if I open up this account.

utterance: I don't think we have a promotion like that. I think you're referring to opening up an investment account, the wealth management account. I I believe that's the current promo we're running. And if that's something you're interested in I can certainly help you get that set up.

utterance: Oh. Let me check that flyer. Oh OK yeah you're correct. I totally read that wrong. no that's OK I'm really not interested in opening up an investment account for a toaster.

utterance: Are you sure? We could go ahead and look at your account and see if it's something that might work.

utterance: yeah sure, you can check my accounts.

utterance: OK. can I please get the first and last name?

utterance: That's John Waters.

utterance: Date of birth?

utterance: One eighteen at eighty nine.

utterance: Pin number?

utterance: two, five, eight, oh.

utterance: the bank account number?

utterance: Zero, zero, two, five seven, eight. And my address is eight oh nine East Pub. Street. Nine, oh, two, three, one, six San Diego California.

utterance: OK. Yep, thank you. OK, I am showing a balance here of eight hundred thousand six hundred and let's see six hundred and twenty-nine dollars and thirty-eight cents.

utterance: Ooh that's just basic operating costs there. Yeah I I I think I'm good on that. I mean, the toaster sounds tempting and all but my bagels will have to stay un-toasted.

utterance: Well, definitely something to keep in the back of your mind for the future.

utterance: Yeah, sounds good.

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

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

utterance: OK. Then you have a wonderful day! Bye bye.


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

utterance: yeah, I'm think of buying some stock. But I'm not sure if it's worth it.

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

utterance: It's Jill Baker.

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

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

utterance: All right, Jill, so you are thinking about buying some stock, but you're. Aren't sure if it's the right investment. Is that right?

utterance: Yeah, that's basically right.

utterance: OK, so are you wanting me to check that current value of that stock and to see if that is something that we can maybe help you make a decision with based on that current value?

utterance: yeah. If you can do that, that'd be awesome.

utterance: OK, I just need to get some information from you real quick here, Jill. You do have a an account with Intellibank. Is that correct?

utterance: Yeah, I do.

utterance: All right, Jill, what is your account number?

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

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

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

utterance: OK, and the account also has a four digit PIN number on it for security purposes. Could you also verify that PIN number for me?

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

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

utterance: It's Kansas City, Missouri.

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

utterance: So that's five one two Shoe Lane, and that's Kansas City, and then it's seven three nine eight two.

utterance: seven three nine eight two, that's your ZIP code?

utterance: Yeah, that's correct. Sorry.

utterance: OK, no problem. can I confirm an email address for you as well?

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

utterance: All right, Jill. So you said you're wanting to purchase stock for . Is that correct?

utterance: Yeah, that's right.

utterance: OK, and do you know the stock symbol for ?

utterance: Yeah, so the stock symbol is F F I V N. Is there a cap on how many of the shams you can buy?

utterance: I'm sorry, Jill. Did you. Did you mean to say shares by any chance?

utterance: Oh, my gosh, yes. That's what I meant to say. I don't know why I said shams. Yeah, yeah, shares.

utterance: Yeah, that's right. OK, so it looks like there's actually not a cap. it looks like right now the market value for one share of is about sixty-four dollars and ninety cents.

utterance: can you possibly tell me the quality of the earnings for that?

utterance: Yeah. So it looks like it has growth in revenue, profit, cash generation, and dividends for the past nine weeks. And it currently has a high return of about forty percent. Jill, were you interested in buying any of these shares?

utterance: I don't think so, not right now. I mainly just wanted to know like what the numbers on it were and if it was worth it.

utterance: OK. I totally understand. If at anytime you change your mind, you can give us a call back here at Intellibank, and we can assist you with that buy. was there anything else I could do for you today?

utterance: no. I mean, I think I will buy eventually, but I'm headed out of town tomorrow, and I'm gonna be gone for a few weeks. So I just kind of wanted to keep an eye on it while I was gone and see see how it was working out.

utterance: I totally understand that. I actually hope that you enjoy your trip.

utterance: Oh, I'm I'm actually headed out of town for a funeral, so it's not really a trip, but but I appreciate that. Thank you.

utterance: Oh, my goodness. I am so, so very sorry to hear that, Jill. I'm very sorry for your loss.

utterance: Oh, it's OK. it was an aunt. It was I had actually only met her once. So she didn't have any children, and they just kind of tasked me with closing up her estate, making funeral arrangements and stuff. So so it's gonna be a little bit strange since I didn't really know her. But but you know how it is.

utterance: Yeah, that definitely sounds like it might be something that would be a little bit hard. you know, again, I just. I do want to just apologize for your loss even though you. I know you said you you didn't know her very well. I mean, I know it's still always hard losing a relative.

utterance: Oh, I appreciate that, yeah. I'm not really sure how long it's gonna take to get sorted through everything. So with running my business activities here while I'm there and I just. I don't think I really need to be adding babysitting a stock to all that, if you know what I mean.

utterance: Yeah, I totally understand that, Jill. if you get back and you decide that you you want to look more into this stock, or any stock for that matter, you can give us a call back, and we can get that stock purchased for you. Or we can connect you with one of our financial advisors who can kind of go over investment options with you or you know, just other you know, other trending stock buys that might be possible benefit to you. Was there anything else I could do for you while you were on the phone today? And and also, I know you said that you were traveling. Was. Were you gonna be traveling out of state? Would you want me to maybe change your account over to just notify your your actual account that you're gonna be out of state? So that way, if you wanna use your debit card, it's not gonna. It's not gonna flag you.

utterance: Oh, yeah, yeah. Actually, I I didn't even think about that. Could you do that while I have you on the phone?

utterance: Yeah. Let me mark that real quick here for you. And you know about. You said you didn't know about how long you were gone. Did you maybe want me to put like a week windows on there? Because it asks for a time frame for how long you'll be out of state. So did you want me to maybe just select a week? And if you needed to extend that, you can give us a call back, and we can put that out a little bit further for you.

utterance: yeah, if you can just put like on there through Friday right now, I can call back if I need it to be longer.

utterance: All right. OK, so I'm gonna mark you till Friday, and I've got that done for you. Was there anything else I could do for you today?

utterance: No. I think that's everything. Thank you.

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


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

utterance: Hey Michael. I'm just looking to do a very quick internal transfer I just wanna take money from my savings, get it into my checking. Yeah, just as quickly as possible.

utterance: OK, no problem. I just need some information to verify your identity. What is your first and last name, sir?

utterance: Mike Johnson.

utterance: Mike Johnson, OK, and what is your date of birth?

utterance: It is five eighteen seventy-seven.

utterance: Five eighteen seventy-seven. OK, Mr. Johnson, thank you for calling today so just to confirm you want to take money from your savings account and into your checking account.

utterance: yes please.

utterance: OK and all right. Can you confirm the account number for the savings account, because you have two of them with us. You have two Intellibank smart savings accounts for your it looks like you have two businesses and you have an a savings account for each of them.

utterance: I do. I have my pottery business and then I also sell potted plants, but I keep them as two separate businesses for tax purposes. so I have to have two business accounts. I I don't know how much you know about potted plants.

utterance: I understand.

utterance: Oh not too much but I do like succulence.

utterance: Mm. It's fun it's a it's a it's relaxing, it's fun, it's a great business. We make the pots here ourselves and then put the plants in them and yeah we we have a lot fun.

utterance: No that's that's nice. So when a customer buys a a potted plant you have to separate, they have to pay twice or do you separate the cost? After they.

utterance: Well we got two lines and two registers. So you get you pick up the pot you go to your first register, you buy the pot, and then you go over to the next register you pick up the plant, you buy the plant.

utterance: I see.

utterance: And then that way if you just wanna buy a pot, take it home, get your own plant in there, that's totally fine too.

utterance: I understand. OK, I see how it's separated. It also reminds me of Build-A-Bear workshops at the malls.

utterance: Very much so, except my wife came up with this concept first.

utterance: Oh really? Mm Yeah, you know, there's a possibility that they had that idea after going to your place and.

utterance: It is very much possible. I saw the the Build-A-Bear founder on TV and I could have swore I saw him in the shop once.

utterance: Yeah, he's probably one of your best customers. So back to what you wanted to do with this thing.

utterance: Yeah.

utterance: yeah. So I'm looking to move money from the from one of the savings into the checking.

utterance: OK and do you have a preference of which savings account you're going to transfer from?

utterance: no, you know, I know there's quite a bit in either of them and yeah, I just need five thousand out of one of them and into the checking.

utterance: OK could take five thousand out of either of these cuz your account balance is fifty thousand seven eight hundred and eighty-five for one and sixty-seven thousand five hundred and eighty out of the other.

utterance: Great, let's do it. Move her on over to the checking.

utterance: And you have no preference which one you want the account from?

utterance: I'll do it from the one with the most amount of money.

utterance: OK. I could definitely do that. OK. It looks like you have a security block on your savings accounts here.

utterance: What does that mean? What do I what do I need?

utterance: It looks like you have them on on both of your accounts. Now what this means is I'm assuming you must have a partner or employee, perhaps a spouse that access to this account as well for reference purposes and this is a security PIN.

utterance: jus~

utterance: yeah huh. So this is a PIN to access these accounts?

utterance: Not necessarily to access the accounts. You can view the accounts and you have the check the account balances for all of these.

utterance: Yeah cuz I'm on the online site right now. I'm looking at it. I can see everything right here.

utterance: Oh OK so you could you.

utterance: But to do the transfer I'm gonna need this PIN?

utterance: Yes cuz it's a security measure that you can't make changes to the account unless you have a security PIN.

utterance: Oh.

utterance: I don't think I have it.

utterance: Oh well, I'm really sorry but I really can't get around that.

utterance: You have all my other info.

utterance: Yeah but I'm I just, I'm not allowed to override the system unless you have the security PIN mean this.

utterance: It's just moving money from one account to another account. It's not like I'm taking it out. I'm not changing it to a different bank. It's still within your bank.

utterance: Well I I understand, sir, but the this is one of the things that we offer our business customers, this level of security and when you sign up and you sign up for this level of security it stated that no changes can be made even by the person who created the account.

utterance: Fine.

utterance: Fine, that is understandable.

utterance: But what you can do is since you are online right now.

utterance: Oh.

utterance: Mhm.

utterance: You should be able to access your accounts online because the PIN is related to your online login information.

utterance: That was that was a lie, I was just bluffing. Just said I went online. I wanted to see if you could do it. Just I'm sorry about that. I'll look I'll I'll I'll get the pin from my wife and I'll call you back. I I I'm sorry about that.

utterance: You're not online. Oh, cuz was gonna say you could.

utterance: Oh. OK.

utterance: OK. Well in the meantime if you want to login, and you do have the PIN, you could do this transfer online as well or you could call me back.

utterance: Yeah. I'll get it. I'll call you back.

utterance: OK. Well thank you for calling Intellibank and I'll be around twenty-four hours if you need to make a call.

utterance: I will be. Thank you.

utterance: OK, have a good day.

utterance: You too.


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

utterance: Hey Sally. Whoa my credit score changed and I was hoping to keep it on a high mark cuz I'm thinking of buying a home next year. And didn't expect that the change. I checked it periodically and I'm wondering who wow is my what's going on with all my credit. I've upped so many credit cards. The the Diners Club, the airline one and get the miles and then trying to see if I can just make some more leeway as my credit score creep back up and I know with you I have Teller Bank, I have I have a. I do have a Teller Bank card.

utterance: Yeah so thanks for calling Intellibank. We do offer credit cards. You probably have one of our business credits card either the silver, gold or platinum. I can definitely pull up your account and check what you have and how it's affecting your credit score.

utterance: Hey, what's the quickest way to get to that score back ?

utterance: probably by. Well if you if you've been having problems with like late payments on your credit cards, we can setup some automatic credit card payment for you?

utterance: Yeah. Let's do that.

utterance: Great. Can I start with your first and last name?

utterance: Uh-huh. It's Andy. A N D Y. Kernwood. K E R N W O O D.

utterance: Great, Andy. what is your date of birth?

utterance: Oh, it's August sixteenth nineteen eighty-six.

utterance: OK awesome and what is the PIN number associated with your account?

utterance: Oh that's one four one zero.

utterance: OK. One four one zero. Thank you so much. That does go through and I see that your credit card, yeah, has three missed and late payments.

utterance: Mhm.

utterance: Three missed

utterance: And late payments?

utterance: Not missed, my bad. They're just late. You did eventually pay them off in the past year but that definitely would affect your credit score so let's just setup the automatic schedule and I I know that your credit score will go back up within a couple months.

utterance: OK.

utterance: So when I set up autopay, it's guaranteed to go through every month automatically.

utterance: Yes, on a certain date of your choice.

utterance: Oh, OK.

utterance: OK. So could you just verify your credit card number for me, please?

utterance: Yeah let me see. Let me like I said I have so many. Let me pull that pull out the. You said Intellibank. Oh, I'm sorry Intellibank. Intellibank. I think I have something else Teller that I think it's with too. let's see toot OK OK OK. Credit card number is eight five zero eight one nine zero six two four four four one six zero seven. That's it.

utterance: Mhm.

utterance: Great. Thank you for verifying that number. what is the date you would like to pay each month. It's due on the fifteenth of each month.

utterance: Oh, so before the fifteenth. Let's go with the tenth. Just to give me a little cushion.

utterance: Great. I can schedule that for the tenth.

utterance: what is the bank account number you'd like to pay out of?

utterance: it's one zero zero one two nine eight five.

utterance: One zero zero one two one eight five and the routing number for that account.

utterance: Eight six two three nine four.

utterance: Eight six two three nine four.

utterance: OK great. I've set all that up. And your bank account will be debited for the amount due each month on the tenth starting with the tenth of next month to the credit card ending in one six zero seven.

utterance: And so will it all this pay the minimum payment of the balance. Does it?

utterance: it'll pay the balance. I can change just the minimum payment if you want.

utterance: Do no, I think the balance will be the quickest way back to my my credit Score dream so.

utterance: I agree. I agree. Yeah.

utterance: Yeah.

utterance: Just keep it. Keep it. Keep that.

utterance: So anything else I can help you with today?

utterance: Yes. I got this important document that I've been meaning to process but I just found out I cannot do that unless I get it signed by a notary public. and I wanna near frequently asked questions section of your website and found out that you do have a notary down there. can I can I come down and have them sign it?

utterance: Of course, you can definitely get your document notarized and setup an appointment for that. So what will be a good day for you to come to your local branch?

utterance: can I come on Saturday actually?

utterance: Saturday. Yeah, we're open Saturday. we have appointments from ten a.m. to three p.m..

utterance: What will be the best time?

utterance: Let's do this Saturday and at eleven or eleven thirty would work, either one.

utterance: OK. let me check with our scheduler. OK and what is your ZIP code?

utterance: Nine zero zero six six.

utterance: Nine zero zero six six. Great. I have the branch in Cyprus Park. Is that the one that you go to?

utterance: Yeah. It's the only one there, right?

utterance: Yeah yeah. OK. We do have an appointment at eleven thirty on Saturday at the branch in Cyprus Park. I can send out an email to the one you have on file with that appointment information. yeah so you're all good to go. Is there anything else I can help you with?

utterance: No. No thank you. That's it.

utterance: Thank you so much for calling Intellibank.

utterance: Thank you.


utterance: Thank you for calling Intellibank Business Services. How may I assist you?

utterance: yes. I have a real estate loan and I need to check the balance.

utterance: All right and just to clarify, did you mean the Intellibank real estate loan?

utterance: Yes.

utterance: OK. No problem. I can help you with that. May I have your name please?

utterance: Dan Thomas. T H O M A S and my date of birth is May twelfth nineteen sixty.

utterance: Thank you and can I have your authentication ID pin number please?

utterance: One zero six two.

utterance: Thank you. And the loan account number for the account in question.

utterance: hang on for a minute. Let me grab it.

utterance: No problem, sir. Please take your time.

utterance: OK. I've got it.

utterance: All right, sir. Whenever you're ready, if you can just give me that number.

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

utterance: All right. And to verify, that's seven three zero six nine five six eight two nine. Is that correct?

utterance: That's correct.

utterance: All right. Thank you. I have verified your information and I have got your account pulled up here. And you were just wanting to know what the remaining balance of your real estate loan is, correct?

utterance: That's correct.

utterance: All right. It is showing that the remaining balance on that real estate loan is four hundred and ninety-seven thousand two hundred and seventeen dollars and sixty-five cents.

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

utterance: Yes, sir. My day is going quite well. How is yours?

utterance: Mine's doing well.

utterance: That is excellent. Is there anything else that I can assist you with or would you be interested in setting up online banking today?

utterance: yeah online banking sounds pretty good.

utterance: All right. I can certainly get that set up for you. Would you mind verifying the email address on file please.

utterance: D Thomas at ABC dot com.

utterance: Thank you. And is that the email address that you would like us to send any communications about your online banking to?

utterance: yes, please.

utterance: Excellent. I've got that set up and I have a username and a temporary password for you. Just let me know when you are ready to write those down.

utterance: OK. Just one second.

utterance: No problem.

utterance: Ok.

utterance: All right, sir. Your user name is going to be D Thomas zero zero two.

utterance: OK.

utterance: And your temporary password will be capital L capital K eight three capital Y six.

utterance: OK.

utterance: All right and then to finish the process, if you can just visit the Intellibank dot com homepage and in the top righthand corner there will be a button that says log in. Click that button, enter the credentials and it will then prompt you to create your own unique password and it will then guide you through the rest of the set up process.

utterance: OK. That sounds easy enough.

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

utterance: what types of checking accounts do you offer?

utterance: Yes. We offer our Intellibank Business Total Checking Account, as well as our Intellibank Business Preferred Checking Account.

utterance: OK. Which one is the receives the most interest?

utterance: That would be our Business Total Checking Account. it does provide a two percent interest yearly as long as you maintain a yearly balance of one hundred thousand dollars.

utterance: OK and how much interest does the other one receive?

utterance: The Preferred Checking Account will provide one percent interest as long as you maintain a balance of twenty-five thousand dollars year over year.

utterance: OK. Sounds great.

utterance: All right and is there anything else, sir?

utterance: I don't believe so.

utterance: OK. Well, if you don't mind holding on the line, there will be a brief survey where you can let us know how we did today and how we can better service your banking and business needs in the future.

utterance: All right. Thank you.

utterance: Thank you and thank you for choosing Intellibank. Have a great evening.


utterance: Thank you for calling Intellibank this is Floyd how can I help you?

utterance: Hi my name is Stephanie Garcia.

utterance: Hello Ms. Garcia. How may I assist you today?

utterance: I am looking to close out my commercial account.

utterance: And transfer the funds that I have remaining into another account.

utterance: OK I can certainly help you with that. Do you mind if I can get the account number from you please?

utterance: yeah so it's a business account number so give me a second. Let me actually get that.

utterance: No problem I can I can wait here.

utterance: OK yeah I have it here now so it's four seven nine zero six nine six two five four.

utterance: OK that works.

utterance: I'm pulling up the information now. give me a quick second. So how's your day been so far?

utterance: it's going pretty well didn't really have too much orders today but it was actually a really good day. How about you?

utterance: Not too bad just hanging low.

utterance: Hanging low?

utterance: Mhm.

utterance: That's cool.

utterance: Yeah just hanging low here, it's been a busy day.

utterance: No I can't imagine with the whole pandemic, that you guys would be busy.

utterance: Yeah it's not been to bad I'm working from home so I get to see my significant other and my kids.

utterance: That's awesome.

utterance: Perfect so I was able to pull up that information and it looks like this account it has just a savings account currently.

utterance: Would you like me to cancel off. Cancel as well all the checking debit cards I mean attached to this account?

utterance: yes please actually.

utterance: OK perfect. So I will be doing the transfer and by chance do you have the new account number ready to go?

utterance: The new account number?

utterance: The new.

utterance: The new account yeah. Did you set up a new account with your new business?

utterance: I did. And that business account number I have whenever you're ready?

utterance: Perfect.

utterance: OK I'm ready for you Ms. Garcia.

utterance: OK it's going to be seven four one three five eight four one two two.

utterance: Perfect two two at the end right?

utterance: Yeah.

utterance: OK so it looks like that this account has been transferred and then the funds have been the former has been transfer over. So it does look like you have additional two partners that is attached to the Golden State one. They will need to be in contact with you to come into the branch and sign off on that for us to close this out completely.

utterance: OK.

utterance: OK, so, but I can still transfer my money, but they just have to close it out with .

utterance: Yeah, they have to

utterance: Do a consent form. To close out. Yeah.

utterance: To close out the account.

utterance: OK no problem that's something that I can do I'll just reach out to them and they can give you guys a call possible set up an appointment so that we you guys can set that up.

utterance: So yeah it makes it a lot easier if all three of you if you are on speaking terms can go in and sign it. It just prevents confusion and documents being lost at the branch level.

utterance: OK so then I'll try to coordinate with best time and I guess I'll just reach out to you guys and then we can or could we just stop by one at of the locations?

utterance: You can stop by one of the locations it's better to have an appointment so they can get everything set up for you so you don't have to wait or have them you know have to call back office to figure out how to get this closed out.

utterance: Mm, OK so they can kind of just be ready for us by the time we get there OK.

utterance: So then I'll just go ahead and do that then I'll I'll speak with them and see what we can do on getting us an appointment.

utterance: Perfect and then with your new account information were you able to get everything sit situated with the online banking and debit cards and stuff like that?

utterance: so my credit card is from the old company I was wondering if I can and possibly get set up for the new one or?

utterance: Yeah I can certainly because the old one has been closed.

utterance: I can certainly get that information sent over to you.

utterance: For you to submit a new application form so it will be attached with the new business information on it for you.

utterance: OK and do they have to sign for that as well right if they're wait they're not my business partners for that new company so they don't technically need to sign for that.

utterance: No.

utterance: No that would just be your lovely signature on there and that's pretty much it for us to get you set up with that business line of credit.

utterance: OK what do I need to provide to get this card.

utterance: Actually I'm going to actually send you a e-document. If you can just review it, sign it and then hit submit it'll be submitted to the queue for you to get that credit card and once approved you should receive it within seven to ten days.

utterance: OK that's awesome that actually sounds pretty good.

utterance: Perfect.

utterance: Well Ms. Garcia I hope you have a great rest of the weekend. And thank you for calling Intellibank bye bye.

utterance: All right thank you for your time I appreciate it I'll reach out when we are ready for an appointment.

utterance: Thank you bye bye.


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

utterance: yes. So this is going to sound extremely long winded but I have a business and we sell medical supplies. And recently we had a theft. and I think it was probably a former employee who was responsible but I'm not one hundred percent sure. so I really need to amp up the security at our warehouses and I've purchased some surveillance equipment for these areas. so as I'm understand it's going to cost several thousand dollars to get this done so I wanted to see what options there were for us to possibly get that money.

utterance: OK, yeah I can help you with that and who am I speaking to today?

utterance: It's Jill Baker.

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

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

utterance: OK. All right, so Jill you're wanting more information regarding a small term loan that's available at Intellibank, is that correct?

utterance: Yes I guess or even a credit card with a balance that could come about. are the interest rates on a credit card a lot higher than on loans?

utterance: So, real quick here. So all of our interest rates vary and those are figures based on a variety of information including your credit score. The loan of or the credit line that you need term of credit a a bunch of different factors including just a review of your own financial documents. Generally the credit cards tend to have a higher interest rate then say our banking line of credits or some of our other term loans. So it really kinda just depends how much are you thinking you're gonna need to borrow?

utterance: So the security company told us that the equipment was going to cost around nine thousand dollars. So I'd want to borrow enough for that, maybe even just have a little bit of cushion after that.

utterance: OK and do you know what kinda time frame you are looking at to wanna pay that back?

utterance: So probably, I could probably get a payback in like two to three years if I got the full amount.

utterance: OK. So it sounds like our line of credit might be best for you then. For our line of credits you receive a credit line limit and you can borrow from that line at any time. You only end up paying interest on the borrowed amount so if you don't need to access the entire balance available to you then you won't you won't accrue any interest on that. So for our line of credits those can stay open for a period of time so if an emergency comes up those funds will be available there to assist you. So I mean even if you pull out. You know if you get a a credit limit for a for a higher amount and you only pull out nine thousand dollars then you might still if you get a loan for twelve thousand or thirteen thousand you might still have some extra funds in there to be able to borrow from later on if you have an emergency.

utterance: So could I borrow like fifteen thousand for that?

utterance: Yeah we can we can definitely get an application started for you and see what we can get you approved for, did you want to start that application?

utterance: Yes let's let's do that, I would I want to start it.

utterance: All right Jill, so what is your business account number?

utterance: Can you give me one second? Let me look it up real quick, hold on. so here's my statement, it's three, four, six, zero, two, nine, nine, eight.

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

utterance: It's March second of nineteen eighty.

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

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

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

utterance: It's Johnson Controls.

utterance: And what is your address Jill?

utterance: Eight three nine Youjston Lane. yes it's Youjston, Y O U J S T O N.

utterance: OK and what city and state are you in?

utterance: That's Kansas City Missouri.

utterance: And what's your ZIP code?

utterance: Eight, three, four, nine, eight.

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

utterance: My social is seven, three, eight, zero, two, zero, seven, eight, three.

utterance: All right and Jill do you have a driver's license? and if so what is your driver's license number?

utterance: Yes I do and it's M as in Mary, nine, three, seven, zero, zero, two, zero, zero.

utterance: OK. And can you tell me what the state of issuance is for that license?

utterance: Yes, it's Kansas.

utterance: OK. Jill let me ask you you are you are are you the only owner of the business?

utterance: Yeah I'm the only owner on the business, it's just me.

utterance: OK. And when did that business opened?

utterance: It opened in August of two thousand and fifteen.

utterance: OK. And what does your business gross annually?

utterance: So I think last year we made like five hundred and twenty thousand or something like that.

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

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

utterance: All right and what is the address of the business?

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

utterance: All right and do you receive your mail from Intellibank at the business or at your home location?

utterance: I get that mail in my business. Like all everything from the bank account comes to the business.

utterance: OK. What is your email address Jill?

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

utterance: OK and you said you were wanting to borrow fifteen thousand?

utterance: Yes I'd like to do at least fifteen thousand if I could.

utterance: OK. So I'll do an open ended application on this one so we'll put that fifteen as a baseline but I'll do an open ended so in case you can get some more there. Jill as far as this application I'm gonna need to run a credit report, are you OK with me doing that?

utterance: Yes that's fine.

utterance: All right. So I'm gonna send this application through for you and see if we can get a pre approval for you, give me just a moment OK. I'm gonna send this through and and I should get it back fairly quickly, give me just a second.

utterance: OK. All right Jill so you were pre approved for a sixteen thousand dollar line of credit and an interest rate of eight point eight percent. so what I'm gonna do now is I'm gonna email you a link to our loan portal and with that you'll also get a list of documents that I'm gonna need for you to provide. Once you get access to that email if you can upload those required documents then a loan agent will reach back out to you after she's reviewed them to assist you with the rest of the loan process. I do I do wanna to let you know that a pre approval is not a guaranteed loan acceptance and the loan will not be secured until all information is provided and can be verified OK. Do you have any question about any of that?

utterance: No so she'll send everything over to me and then I just get it to and then someone calls me basically?

utterance: Yep. Yep, that's correct so once once you receive that email get everything uploaded and we'll get all that information sent over to you, OK?

utterance: OK thank you so much.

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


utterance: Good afternoon, this is Travis speaking at Intellibank. Thank you for calling.

utterance: Eh Travis, how's it going? Yeah, so Travis, eh that's a, that's a cool name. It's like Taxi Driver. You ever see that movie?

utterance: That is a movie that I'm not familiar with unfortunately, but I've gotten that. I have actually gotten that before.

utterance: Well, you know, it's that's interesting because that movie's about an unreliable narrator and you know speaking of that that's kinda what happened with me recently and so I need to, I need to handle that, that situation.

utterance: OK. We'd be happy to handle your situation for you related to your small small business banking needs. Could I get your name, please?

utterance: yeah, yeah. My name is Johnny.

utterance: Great, Johnny. And your last name?

utterance: Tran, T R A N.

utterance: OK Mr. Tran. Thank you. I see that you've banked with us for the last four, four years now. Thank you for being a customer of Intellibank, and how. Could you repeat just how may I assist you?

utterance: Yeah, so like so I was talking about, like, the unreliable narrator thing, you know like the you know . Shady, suspicious people, right? OK, so I have several employees and it's payday and so I was writing checks. They come in. I was writing everybody checks and for, for one person I, I write this check and after I write the check for him . He's got his baseball cap on and, and after I get a good look at him I realize like, like, hey wait a minute, you're not Davy. somebody just comes in and he, like, takes his check and then I'm saying, what. And I go to try to catch this dude, and he jumps on the bus. And now even though I, I wrote it for Davy, I mean he could easily try to cash that, whatever, with a fake name or he could try to change the name on there or something. I mean there are, there are ways, you know, with all these little check cashing places that take a percent, you know, and all that. So he jumps on the bus. I didn't catch him. And so I need to cancel that check before he cashes it, you know then it's like anyway I need to cancel the check that I wrote.

utterance: OK, we can certainly help you with that. I'm sorry that that happened to you Mr. Tran. That is not a great situation to be in and we wanna help, you know, rectify it immediately. So I. Before we do that we, we just need a few bits of information to verify your identity. could you just give me your date of birth?

utterance: You.

utterance: Yeah, my date of birth is eight, three, nineteen eighty-six.

utterance: Mm K. It's August third, nineteen eighty-six.

utterance: Yes.

utterance: And could you give me your account number please. The full, the full account number.

utterance: Yeah, the business checking account number is two five eight zero seven, zero four seven seven four.

utterance: You say zero four seven seven four?

utterance: Yes.

utterance: That's fine, OK. OK, one moment.

utterance: And do you. Are you gonna need the check number that I wrote? And how long does it take to cancel the check, for it to go into effect?

utterance: Well here at Intellibank we do offer a service where we can stop your check immediately. so again, you know, we can, we can. You know, you can give us the check number which would help us track down this check and we can, we can go from there. So yeah.

utterance: OK, and how long does it take for the, for the check to be stopped?

utterance: We can make sure that that's stopped within, immediately sir.

utterance: OK, that's wonderful.

utterance: OK. So if you're ready. whenever you're ready you can give me the check number associated with your check.

utterance: Check number's Oh wait a minute. Hold on a second. Yeah, I don't, I don't have that cuz I, I I left the. I wrote several checks and I left the, the checkbook in the other room. I need to check the receipt, I'll be right back.

utterance: That's OK.

utterance: OK, got it. Looks like the one I wrote for that individual was check number eight eight five.

utterance: Eight eight five. And just so we are aware, what was the amount that you made it out for?

utterance: Twelve dollars even.

utterance: Twelve dollars even. A dozen even. OK. so we can go ahead and stop that check for you right now especially because it's also a pretty low amount, and that'll be effective immediately Mr. Tran. And so you won't have to hopefully go through this situation again with this, with this individual.

utterance: OK, that's wonderful, thanks so much and I think that's that's all I need and if you could do that I appreciate it. Thank you very much.

utterance: OK. Yeah. You have a nice rest of your day Mr. Tran, it was a pleasure serving you.

utterance: Thank you.


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

utterance: Hi. I just opened up a new small business, you know, like pandemic business. Lots of small businesses opening up. yeah it's like a at home nail salon and We got a lot of like sales lately, with everything opening up again and I guess I just need like a way to store money. So I found you guys. Yeah, I I I guess I'm trying to open up a savings account.

utterance: OK, yeah. We can absolutely open a savings account for you. Thank you very much for choosing Intellibank. to start I'm going to need to get your full first and last name as you would like it to appear on your account.

utterance: Yeah, Yes my real name is Kelsey, but my business is Kels Spa, so I'm allowed to just say Kels? K E L S?

utterance: if that is what appears on your government issued and state issued IDs.

utterance: Oh, OK Then I I guess we'll have to put my real name, so Kelsey. K E L S E Y. my last name's Crane.

utterance: OK. And what is your date of birth?

utterance: it is February second nineteen ninety-four.

utterance: All right. And what is your address?

utterance: My address is one nine two South Street.

utterance: All right. And what is your Social Security number?

utterance: That would be three nine six four three one nine two seven two.

utterance: OK. And what is your Was that your cell phone I just asked you?

utterance: Yes.

utterance: Sorry about that. Lot going on over here today. I'm gonna need your driver's license or state issued ID.

utterance: Yeah. I have a California license and the number is Y four zero seven four eight five three zero.

utterance: All right. And your email address.

utterance: you could put Kels dot Spa at Gmail dot com.

utterance: OK. And we're gonna need to establish a four digit security PIN.

utterance: OK, Whatever number is K E L S.

utterance: OK.

utterance: All right.

utterance: And what's the name of your business?

utterance: Kel's Spa. We're a. An at-home nail spa. We do manicures, pedicures, all the cures.

utterance: Oh wonderful, wonderful. And are you the sole owner?

utterance: Yeah.

utterance: OK. And what is the establishment date for your business?

utterance: it was like half way through the pandemic. After the uprisings. Like I believe August first of twenty twenty.

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

utterance: fifty-two.

utterance: All right. And your tax ID number?

utterance: Tax ID number. it's. It's two one three three seven five two four six two.

utterance: Great. All right. Well I have that account all set up for you. Is there anything else I can do for you today?

utterance: Yeah. I need to schedule like a account payment.

utterance: OK. a. An. A payment to a different account? So

utterance: Yeah like my my Mastercard.

utterance: Oh, you wanna make a credit card payment.

utterance: Yeah.

utterance: OK, yeah. No problem. and what is the sixteen digit card number?

utterance: The number is zero six eight five, four eight eight one, four four two four, five one three five.

utterance: And when would you like to schedule that for?

utterance: Just two days from now.

utterance: All right. And for how much?

utterance: five hundred.

utterance: All right. I have that all scheduled. I would just make sure you get five hundred dollars into this account. Before that payment comes out in two days. Is there anything else I can help you with today?

utterance: No that's all.

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

utterance: Yeah


utterance: Hello! and thank you for calling Intellibank. I am Francis. How may I help you? this fine evening.

utterance: Hey, Francis. yeah. Oh can you help me. Gotta got a little bit of a conundrum. Excuse me.

utterance: Well that's what

utterance: We're here for, is to solve those conundrums.

utterance: Perfect.

utterance: Perfect perfect. Now my business has found ourselves in a in a great situation. one of our clients we were able to book and sign. Pulled them away from another big company. who's in our same field and. Yeah. We're we're excited about it. This is gonna be a boom for us. to allow us to. From what I soon we're gonna be able to pay off a fair amount of our business loan with you guys. And then also have plenty over to kind of to reinvest in the business. until it's gonna be a gonna be a great great thing for us. I guess you know like it's little bit of the cat's out the bag. But just to let you know we're in the shoe business as it is. And one of our major clients is Nike. What we do is those little metal tips to hoodies and shoes and waistbands. They're they're called metal aglets. Well we found a way to make those stronger and lighter as well as very very cheaply and also being able to do it with precious metals. And thus we're able to kind of push those out to a a wider market. And Like you signed on with us. they used to do it in-house and now they've seen that we're making a better product. And they figure why do it themselves when they can Get a better quality with with what we're doing .

utterance: Congratulations.

utterance: Well, congratulations. We

utterance: We always love to hear about the success of our business customers. you know we're here to help you guys and it's Great to hear that you're doing so well. may I ask what the reason is for calling today? Do you want me to pull a loan up?

utterance: yeah we're trying to figure out the sort of right now the best way to to allocate that this new incoming out of funds and how best to to schedule out what would be these loan payments as well as upgrades to equipment off this space. and expanding our team. yes please.

utterance: Well, I I

utterance: Can check your current loan balance for you. And see where your payments are at and stuff like that and go from there. But first off in order to pull up your loan account, I am going to need your first and last name. As it appears on the account. And your date of birth.

utterance: OK.

utterance: OK. first and last is Brenden Vincent. date of birth is May fifteenth nineteen ninety-five.

utterance: All right Mr. Vincent and I'm looking here Seems like you have a secured loan with us?

utterance: I believe so.

utterance: Let me. Hold on. Let me let me check .

utterance: Well you

utterance: Have multiple loans.

utterance: Ooh.

utterance: Would this be the term loan that you're looking into? Your real estate loan or your security?

utterance: I'm have to see what's the secured loan I believe.

utterance: OK. let's go with the secured loan and can you give me that account number?

utterance: one second hold on let me ask one of the other partners.

utterance: Not a problem. Take your time.

utterance: OK. yeah sorry he was, he was on another line for a minute to. A moment to catch his, catch his attention. the account number, six digits correct?

utterance: It is

utterance: Six digits, yes.

utterance: OK. six nine four nine, one six.

utterance: Great and what is your four digit pin?

utterance: Seven five eight zero.

utterance: All right well looks like the remaining loan balance on that particular account is eighteen thousand two hundred ninety-four dollars. and sixty-eight cents. would you need help looking up the amounts of any other of your loans this evening?

utterance: no, not right now yeah that's, that's, that's kind of all we needed right there. I mean with that info the day is looking brighter.

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

utterance: Why don't we see. No, no that's that knocks it off the agenda.

utterance: Great. Well thank you so much for calling Intellibank. And I hope you have a wonderful rest of your day. And congratulations on the Nike deal once again.

utterance: Thank you.

utterance: Goodbye.


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

utterance: Yeah so I think I need to get a loan.

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

utterance: It's Jill Baker.

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

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

utterance: OK Jill, so what type of loan are you thinking about applying for today?

utterance: I'm not really sure so we have some business debt that I want to try to take care of, and it seems like a loan might be the best option for that but I mean ultimately we've been working really hard for a really long time, and we have a great crew of people. We just really want our employees to be happy so we just want to, I mean we just want to keep moving the business forward and we need a little extra help for that, as far as the loan is concerned.

utterance: Jill I can totally understand that. Are you currently a customer with Intellibank?

utterance: Yes I have all of my business accounts with Intellibank, I just don't have a loan with you all.

utterance: OK Jill so just kinda judging by what you're telling me, I think that there's a possibility that the seven B A seven A loan might be an option for you. Are you familiar at all with that loan?

utterance: No, can you share some information about it?

utterance: Yeah, so So real quick here the SBA seven A loan, it's a business administration loan and it's offered to small businesses where the government assumes some of the risk for the bank. so that way the bank can approve these loans even when the business debt may be higher than allowed on a normal loan.

utterance: the government will kind of guarantee some of that loan amount and then they also assist in capping interest rates and limiting the loan fees with the bank, just to just to kinda get you a little bit better deal for that loan.

utterance: OK so I mean that sounds a lot like what I'm looking for.

utterance: OK Jill, did you want to apply for that type of loan?

utterance: Yes let's do it, let's go ahead and move forward on that one.

utterance: OK Jill what's your account number?

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

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

utterance: My business is Johnson Controls.

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

utterance: That's March second of nineteen eighty.

utterance: And your account has a four digit passcode for security purposes, can you give me that passcode?

utterance: Yes that's six four seven eight.

utterance: OK and what city and state are you in Jill?

utterance: It's Kansas City Missouri.

utterance: And Jill, what is your street address?

utterance: Its two one three east Hultin Road, and it's our seven three eight two zero ZIP code.

utterance: Thank you Jill, can I also get your social security number?

utterance: Yeah, so that's seven three eight zero two zero seven eight three.

utterance: And your drivers license Jill, do you have one of those?

utterance: Yes, I have a drivers license. It's M nine three seven zero two zero zero.

utterance: And is that a Missouri license?

utterance: No, that's actually Kansas.

utterance: OK Jill let me ask too, are you the only owner of the business?

utterance: Yes, it's just me solely.

utterance: All right Jill and when did the business open?

utterance: So the business opened April first of two thousand and eighteen.

utterance: All right Jill and can you tell me, do you know what your business grossed annually in twenty twenty?

utterance: I believe it was around five hundred and ninety thousand just off the top of my head but I'm not a hundred percent sure. I'd have to pull my federal to know for sure.

utterance: That's fine just if you can kinda give me an estimate. Jill, what is your tax ID number?

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

utterance: OK.

utterance: And what is the address of the business?

utterance: That's eight three seven two Hillshia Way, and it's Kansas City Missouri, eight three six seven two.

utterance: Thank you Jill, and can you confirm an email for me?

utterance: Yes so my email's J Baker at Johnson Controls dot com. So it's J as in Jill Baker at Johnson Controls dot com.

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

utterance: I pretty much receive everything regarding the bank account to the business, so you can send everything there.

utterance: All right and I just want to confirm that you are seeking a loan to aid in your business administration, is that correct?

utterance: Yes we just really want to do something that would make our employees proud you know just want to, we want to build on a business and grow it we want it to grow.

utterance: OK, I completely understand that. Can you tell me about how much your thinking about borrowing today?

utterance: Hopefully I was hoping for like around twenty-four thousand if that's possible?

utterance: Yeah and what kind of term are you looking for?

utterance: So could we do like possibly ten or fifteen years, would that be possible?

utterance: Yep. all right. I'm gonna go ahead and just put all this information there as far as what you're looking for. was there anything you'd be wanting to put down towards the loan?

utterance: I could do probably five percent maybe.

utterance: OK so it looks like five percent on twenty-four thousand would be about eight hundred and forty dollars, is that what you're wanting to put down?

utterance: actually I'll do more than that. I could do fifteen hundred down can we put fifteen hundred down?

utterance: Yep, I can put all of that in there.

utterance: So Jill I do wanna let you know that if the loan is approved we need to draft that down payment upon processing the loan. will that down payment be coming out of your Intellibank account for the business?

utterance: No so it's probably going to come out of my community bank account for the business it's at a different bank.

utterance: OK, and what is the routing number for community bank?

utterance: Oh it's right here hang on three seven seven four nine two nine zero zero.

utterance: Thank you and how about an account number for for that account?

utterance: So that account number's two eight three eight nine two hundred.

utterance: All right Jill. I just want to let you know nothing will be processed unless this loan is approved but we will we will notify you before we process anything towards that down payment.

utterance: all right Jill I think I have everything that I need from now for you, so what I'm gonna do is I'm gonna send this through and see if I can get you a pre approval if you give me just a moment for that OK?

utterance: That's fine, go ahead.

utterance: All right.

utterance: OK Jill I got that back and I have got the pre approval for this loan, so what I'm gonna do now is I'm gonna email you a link to our loan portal with a list of documents I will need you to approve. Once you access that email if you can upload those required documents there then a loan agent will reach out to you to assist you with the rest of the loan process after they've been reviewed, OK?

utterance: I do wanna let you know that the pre approval is not a guaranteed loan acceptance, and that the loan will not be secured until all information is provided and can be verified.

utterance: Do you have any questions about any of that?

utterance: I don't think so, so you said you'll give me an email and it will have everything else in it?

utterance: Yep, that's right. I'm sending you an email right now with all the documents that you're going to need to to sign and to provide for that loan and then we'll we'll get that out sent out to you in the email right now. Was there anything else I could do for you today?

utterance: No that loan was it, I appreciate it.

utterance: No problem Jill, thank you for choosing Intellibank. You have a great day.


utterance: Thank you for calling Intellibank. This is Frank. How may I be of service to you today?

utterance: Hi Frank kinda not sure how to go about this

utterance: Well I'm here to help ya.

utterance: We have one of one of my employees mistakenly wrote wrote wrote a check out. it's suppose to go to this to this client however he wrote it for the the wrong amount as well as sent it to the wrong address. we have couple of clients and they they, we're in the automotive industry and everybody's name and is roughly the same. It's like tread, tire paint, body, car. some, you know it's it's a bit annoying but you know there's some combination of that. And he's new and he's made this sort of mistake and so we had this this check going out to the wrong client, at the wrong amount. And actually lowered the wrong address. So I'm not exactly sure what we can do do in this situation, cuz I think it's been it's been out and been issued for about two days. Yeah but oh and small wonder is in small thanks is that their on the other other side of the country. so I think we're still in a window. so should I like send them a note check? Should I call them and tell them to to to shred it?

utterance: Well before you do that the best thing for us to do is to check and see if the check has been cashed and to do that we're gonna have to pull up your account information. So I'm gonna need your first and last name as it appears on your account and your date of birth.

utterance: Oh first and last is Steven Cory.

utterance: OK Mr. Cory, and your date of birth?

utterance: February ninth nineteen eighty-one.

utterance: and was that check issued from your Intellibank Business Total checking account?

utterance: Business Total checking, yes it was with the Business Total checking account.

utterance: OK and I'm just gonna need your six digit account number and your four digit PIN for that Business Total checking account.

utterance: OK let me see, one second.

utterance: Yes please take your time. I'm here to help. I'm sure we'll get this resolved.

utterance: Here we go, three two zero one nine one. And you ask for the PIN is that correct?

utterance: Yeah, it's a four digit PIN, yes.

utterance: That is a five two seven nine.

utterance: Five two seven nine, all right.

utterance: OK I have accessed your Intellibank Business Total checking account and just to confirm that this hasn't been cashed we're gonna need the check number and the dollar amount that the check was written for, if you have that.

utterance: Yep let's see the check number was three twelve, and the dollar amount was five thousand two hundred and fifty-four dollars.

utterance: Ok well great news, this check has not been cashed so I would recommend issuing a stop payment and canceling this check.

utterance: OK yeah that that sounds good. I think that's the way to go.

utterance: Now because you have our Business Total checking account and not our Business Preferred checking, there is going to be a ten dollar fee for the check stoppage. is that OK?

utterance: Yeah yeah, I guess it's gonna have to be in this situation so no problem with ten dollars just to save five thousand.

utterance: And would you like that debited out of your business account as well?

utterance: Yes. If you don't mind me asking what kinda car do you drive?

utterance: Oh I ride a bike.

utterance: Oh you ride a bike? OK, trying to save the earth. That's.

utterance: No, I had the car repossessed unfortunately.

utterance: Oh my lord, that that happens, that happens.

utterance: Yeah it's been a rough couple of years.

utterance: Well when ya you know get back up on your feet, feel free to give me a call. Get ya in something clean and new.

utterance: well I appreciate that offer. All right I am just going to need you to ask this, dear god for you to ask, no for you to answer the security question what is your mother's maiden name?

utterance: What is her maiden name? She's unfortunately married a couple times and she's gone by many names.

utterance: Well you just wanna throw one out, we'll see if it's the one you gave us?

utterance: Chase.

utterance: It is infact Chase. Great!

utterance: Oh excellent.

utterance: All right so I was able to cancel that check. nothing will be debited out of your account. There's nothing more you need to do. this looks like it's all settled. You're free to write a new check and send that out to your client. And this is all taken care of. Is there anything else I can help you with today?

utterance: no, that's that's all. Thank you.

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

utterance: Bye.


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

utterance: Hello, my name is Shirleen, and I wanted to take on one of my loan balances. Is that OK? Is that is is that's possible?

utterance: Yes, of course! I can go ahead and help you out with that. I will first gather some pieces of information from you. So first, may I have your name and date of birth, please?

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

utterance: All right. And can you spell your last name for me, please?

utterance: OK. It is P E T E R S O N.

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

utterance: OK. My PIN number is three five four six.

utterance: All right. And also, may I have your loan account number?

utterance: give me a minute. I don't have it here. Let me get it.

utterance: Yes, of course! Take your time.

utterance: OK. .

utterance: OK.

utterance: Ready? It is three five. Four six. Six eight seven nine two four.

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

utterance: Yes, that's correct.

utterance: All right. Thank you so much for that. So, I am in your account now for your loan, and I do see that you have a six thousand five hundred dollar balance.

utterance: OK. That's OK. That's good me.

utterance: Yes. So that would be the remaining balance that you have to pay for the loan, and I see you've already paid four thousand dollars. So the sixty-five hundred will be the amount that's remaining.

utterance: Oh, yeah. since I'm just waiting on a. Going according to plan.

utterance: Yes, absolutely. And if you have any questions, about your previous payments, you can always access your account, and it will show you all the previous payments you made towards that loan.

utterance: that's OK. And I was wondering, do you guys offer the Business Plat Card?

utterance: Oh, did you mean our Business Platinum Card?

utterance: Oh, yeah! I'm sorry. confused.

utterance: No problem! See, our Business Platinum Card is our highest level credit cards you can have. it has low fees, and high rewards. However, for this card, it will require a twenty-five hundred dollar balance for the card. Our other credit cards, to chance our Silver Credit cards, do not require that high of a balance. But since it's a Platinum, it will require that twenty-five. Two thousand five hundred dollar balance. However, it does come with lower fees.

utterance: Oh, OK. And what what are the benefits of having the Platinum Card? Like, what will I get?

utterance: So, this card it will provide you with rewards. So, every time you make a purchase, you'll get about five to ten percent rewards on each purchase. It will be a cashback for for each purchase.

utterance: Oh, OK. That's good to know. And can I just walk in into the bank and get one, or can I also have. Get one in a in another way?

utterance: So, yes, you can go to the bank in person if you would like. or if it's more convenient for you, you can apply online through our website.

utterance: OK. So, there's also an online, too. Do you also offer an online platform?

utterance: Yes. We offer our app at the app stores called Intellibank, or you can go to our website.

utterance: Oh. OK. And can you tell me the features about the online platform?

utterance: Yes, absolutely! So, our app offers the same features that our website does. However, app is more convenient for people. So, on the app you could do stuff like check your loan balance, make loan payments, make transfers or deposits.

utterance: OK, that's interesting. And can the app also do me a notification maybe when maybe there's a transfer or if these payments been done to my account?

utterance: so you can do that. you'll have to turn your notifications on in the settings and. But if you do you'll receive emails about any transfers you make.

utterance: OK, that's good to know. And how's the weather over there?

utterance: Oh, the weather is so nice! Thank you for asking. It's very warm and sunny. How's the weather with you?

utterance: Yeah, it feels so warm and nice! Good for going out. At least now we can can stop staying indoors for long.

utterance: Absolutely. That's always great. Well, Shirleen, is there anything else I can help you with today?

utterance: that was it for today.

utterance: All right, thank you! Have a great day!

utterance: Thank you! You, too!


utterance: Hi. This is Robin Forsyth at Intellibanking. How can I help you today?

utterance: Hi Robin. I'm calling about my business's net income in twenty twenty. I heard that you can prepare a report of that.

utterance: Of course. Yeah. I'd be happy to help you with that. Can I start by getting your full name?

utterance: Yeah it's Laura Rivers.

utterance: OK. And can I also go ahead and get your date of birth please?

utterance: Yeah. December seventh nineteen eighty-four.

utterance: December seventh nineteen eighty-four. OK Laura. I'm gonna go ahead and pull up your account. Can I start by getting your PIN number associated with it?

utterance: yeah. Give me one second. I believe it's seven five four nine.

utterance: Seven five four nine. OK. And before we can proceed any further I do need to ask you a few security questions for the safety of your account.

utterance: OK.

utterance: OK. What is the last four digits of your social security number?

utterance: Two zero three six.

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

utterance: OK.

utterance: What high school did you go to?

utterance: I went to Reseda High. I might have just typed RHS though.

utterance: OK. Which one did you want me to try first?

utterance: let's just try RHS.

utterance: RHS. OK. That did not pull up in the system so did you wanna go ahead and try Reseda?

utterance: Yeah.

utterance: OK. OK. Yep. That did that did check out. So thank you for verifying that information for me Laura. I am able to pull up your account so give me just one moment please.

utterance: OK.

utterance: OK. I do have your account in front of me. And you said you were looking to get your company's net income for the year of twenty twenty?

utterance: Yeah.

utterance: OK. Let me see for twenty twenty. OK so it looks like the net income was two hundred thousand.

utterance: OK yeah.

utterance: Did you want me to check for any other years or are you good to go?

utterance: no but I can I can like call back at any time?

utterance: Yeah you can always give us a call and we'd be more than happy to help you check your net income. You also have the option of checking that out online using your online account.

utterance: Oh great. OK.

utterance: So is there anything else I can help you out with while I'm on the line?

utterance: Yeah. can you tell me what the I think I have a loan with you guys for my business.

utterance: Your loan balance.

utterance: How much.

utterance: Yeah.

utterance: OK. Give me just one second. OK. Do you have your loan number with you?

utterance: yeah. It is six five four eight one five eight one.

utterance: OK. And just to clarify that was six five four eight one five eight one.

utterance: Yeah.

utterance: OK great. And can I also go ahead and get your PIN number from you again.

utterance: Yeah it's seven five four nine.

utterance: OK. Seven five four nine. OK great. Let me just check on that for you. OK it looks like you currently have twenty-five thousand left on that loan.

utterance: OK. am I able to like pay that off with like a credit card?

utterance: Yes. You could go ahead and pay that off in either incrementally or you could pay it all today if that's something you were looking to do.

utterance: no I'm not I'm not looking to pay it off all of a sudden. But do you guys have like like a bronze card or something?

utterance: OK. So we we have a platinum card, a gold card and a silver card.

utterance: Oh OK. Which one has the lowest fees?

utterance: that would be the silver card.

utterance: OK. when is my loan payment due next?

utterance: it looks like you it looks like you're enrolled in automatic payment and that comes out the fifteenth of every month. So it'll be next month on the fifteenth.

utterance: Oh OK. and it's gonna like if I apply for a new card it'll like pull on my credit check?

utterance: Are you asking if it would impact your your credit score? so if you do apply for a new credit card it's what we call a low impact a low impact on your credit score. So basically if you do apply and then you're approved it will be just a small ding on your account. And once you start paying off the credit card it should go back up and actually increase your credit score.

utterance: Yeah.

utterance: Great. OK. I'll I'll figure that out out later.

utterance: OK great. Well is there anything else I can help you out with while I'm on the line?

utterance: No that's all.

utterance: OK. Well you have a lovely day.


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

utterance: Yes Jerry I want to apply for a term loan please.

utterance: Sure. Happy to assist you with that, ma'am. Thanks for giving us a call and considering us.

utterance: Sure, thank you.

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

utterance: Evelyn Richards.

utterance: All right. Thank you Ms. Richards and if I could ask do you have an account with us?

utterance: I do.

utterance: And what's the name of the business you have on file with us?

utterance: Jones Bed and Bath.

utterance: Terrific and Ms. Richards you of course mentioned that you wanted to apply for a term loan with us. Is that correct?

utterance: Correct.

utterance: All right. I'm going to ask a few questions here just to pull up your account information to verify the account for security purposes OK?

utterance: All right.

utterance: Ms. Richards what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And what is the account number you have on file with us?

utterance: Nine eight four six five nine one.

utterance: OK and Ms. Richards if I could ask what is your PIN number?

utterance: One zero one seven.

utterance: Terrific terrific.

utterance: OK and you know what Jerry I tell you I am so happy that Soler was the NVP for the Braves win you know winning the series. I think it is just I'm I'm I'm just almost lost for words of the excitement joy for the city that we are the champions world champions for this that the Braves bought to us and I was glad certainly that of course he was the NVP starting from the first game making history.

utterance: You're exactly right. The home run that he hit for that winning championship game winner was incredible as he hit it out of the park I think it was the home run heard around the country.

utterance: That's what you call baseball at it's best.

utterance: Indeed and even how he motioned after the home run I think that really set it apart . I think he pounded his chest. It was It was quite what you would want to see in a championship game.

utterance: I totally agree with you and the whoever the camera people are now they are doing a good job.

utterance: They certainly are getting their money's worth for the audience and I hope that the camera crew is getting their money's worth.

utterance: Well I'm sure they are.

utterance: Yes ma'am yes ma'am well now let me just ask a few questions here in reference to because we were able to verify the account with the PIN number that you gave.

utterance: One zero one seven.

utterance: Of one zero one seven. let's go ahead and begin this application as you've requested. what is your personal address Ms. Richards?

utterance: It is one forty-one Oakwood Avenue Avondale Estates Georgia three zero zero zero two.

utterance: Terrific that's one four one Oakwood Avenue Avondale Estates Georgia three zero zero zero two.

utterance: Yes.

utterance: All right and Ms. Richards what is your business address?

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

utterance: Awesome and and of course is what is your mailing address?

utterance: It's the same.

utterance: OK and what is that?

utterance: Terrific and what is your social security number?

utterance: Social security number two three five zero six eight two six eight.

utterance: And what is your driver's license number?

utterance: Zero nine seven five nine eight two two.

utterance: And what state is that driver's license number?

utterance: Georgia.

utterance: And what is your business email address?

utterance: E dot Richards at J B B dot com.

utterance: And are you the sole owner?

utterance: Yes.

utterance: And when was the business started?

utterance: March first of nineteen seventy.

utterance: All right well that's been around for quite a bit.

utterance: Oh yeah it's been here for a long time and hope longer.

utterance: Congratulations on that. It's terrific to see businesses that have been able to stand the test of time.

utterance: Oh yeah it's just so dear to your heart and you just want it to continue to grow and it certainly has since then.

utterance: And if I could ask you there Ms. Richards what is your business email address?

utterance: Business email is E dot Richards at J B B dot com.

utterance: All right and what is the gross annual sales for the business you have with us?

utterance: It's about eleven and a half million.

utterance: OK and what is the amount of the loan you would like to apply for?

utterance: I'd like to apply for a loan for two and a half million dollars.

utterance: And what is the term of the loan you're looking for?

utterance: A seven year term.

utterance: And what is your tax ID number?

utterance: Tax ID number is seven three one six nine five eight two two.

utterance: Terrific terrific and let's see here. Wanna make sure I have everything here and what is the purpose of the loan?

utterance: I need to I want to buy equipment.

utterance: Fantastic fantastic. all right Ms. Richards I think we have everything we need here on this application and what I'll do is go ahead and submit your information over to our business loan department and what they'll do is they'll review your application and generally within approximately two to three business days they'll get back in contact with you and let you know what the next steps are. Any questions about that?

utterance: OK no no questions about that I appreciate it but I also would like to get the balance of my credit card.

utterance: Ah certainly certainly and Ms. Richards if I could ask what is the credit card number that you have on file with us?

utterance: I I don't have that.

utterance: Oh I see unfortunately Ms. Richards your credit card accounts are in a different database within our system and so I need to have that card number in order to pull up your card on file with us. However although I'm unable to assist you without that card number if you are able to locate that card number you simply can give us a call back and we'll be more than happy to assist you with that portion of it or of course you can simply visit our website online and you can access your account information including your credit card information right there online.

utterance: OK great well thank you very much.

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

utterance: No not today.

utterance: Fantastic. Well we certainly do appreciate you giving us a call and certainly thank you for considering us to fund a loan for you.

utterance: All right thank you I appreciate that. I'm looking forward to hearing back.

utterance: Yes ma'am indeed.

utterance: All right. Now bye.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Morgan speaking. How may I assist you?

utterance: Hey Morgan, how're you doing today?

utterance: I'm tired sir, but but happy as usual. How are you?

utterance: Oh.

utterance: Oh, I'm right there with cha. But I got a couple things going on. I wanted to make a payment and then I need a little little weird here but I need my net income for the previous year.

utterance: Okay, well I'd be very happy to assist you with both of those things sir.

utterance: Yeah.

utterance: OK. Can I please?

utterance: And then after, I'm sorry.

utterance: Not to interrupt you, but after I make the payment I wanted to look at some other credit card options, if that's OK with you.

utterance: Mhm.

utterance: I'd be happy to assist you with that sir.

utterance: OK.

utterance: OK. May I please start with your first name.

utterance: Yeah, absolutely. Let me know when you're ready.

utterance: I'm ready.

utterance: First name is gonna be Wilt. W I L T.

utterance: And your last name please sir?

utterance: Washington.

utterance: Wilt Washington. Thank you sir. May I have your date of birth and your PIN number please.

utterance: Date of birth is going to be zero five twenty-four nineteen ninety-one. PIN number is going to be five nine six seven.

utterance: Excellent. And your account number, sir?

utterance: One second. Let me locate it. OK. Account number. Eight two, I'm sorry, eight three two two nine four five zero six.

utterance: excellent sir. And can you please give me your security question what was the name of your third grade teacher?

utterance: that would be Mr. Medicinehawk.

utterance: Excellent. Ok, we are in Now sir, what did you say that you needed assistance with again?

utterance: First I need to make credit card payment.

utterance: OK. I see here that we have a card on file for you with the last four digits ending in one one one one. Did you still want to still use that card?

utterance: Yes, ma'am.

utterance: OK. Excellent. and how much did you wish to make your card payment in the amount of?

utterance: what is the balance?

utterance: The balance currently is one thousand twenty two two one thousand two hundred and four dollars.

utterance: OK. Let's go ahead and take care of let's say, maybe three hundred and fifty bucks?

utterance: OK. I'll go ahead and make that right now just one second sir.

utterance: No problem.

utterance: Excellent. OK. That has now gone through. and I will go ahead and send you a confirmation email. sir can you please confirm the email address that you have on file for us?

utterance: Yeah, absolutely. it's going to be info.

utterance: Mhm.

utterance: At Kinolight dot com.

utterance: Excellent. Info at Kinolights dot com. Perfect. OK. So we'll go ahead and send that account to you that that that confirmation to you. What else can I assist you with today sir?

utterance: Mhm.

utterance: I need to know my net worth or net income for the previous year.

utterance: OK. Let me go just ahead and scroll. You said net not gross correct sir?

utterance: Correct.

utterance: OK. Just one second sir. I'm so sorry sir. The technology's been a little bit off today. Do you mind if I put you on hold?

utterance: Yeah, no problem at all.

utterance: Thank you. Hello sir.

utterance: Yes.

utterance: yes. It looks like your net income for the previous year was two hundred and sixty-one thousand dollars and twenty-four cents.

utterance: OK. is there a way you can send me over that document to my email?

utterance: absolutely sir. Would you like for me to take it to the same email that we sent the confirmation for your payment for?

utterance: Please.

utterance: Absolutely, so both of these documents will come to your email. Just give it about a full twenty-four hours and then also check your spam folder because sometimes it will go to your spam.

utterance: OK. thank you. That's that's great advice. I appreciate that.

utterance: Oh, you're very welcome sir. and was there anything else that I may be able to assist you with today?

utterance: No. I think that is it Yeah, that's it. I'm pretty much good to go. I appreciate it. Thank you.

utterance: Thank you for calling Intellibank sir. Have a great one.

utterance: Bye bye.

utterance: Bye.