utterance: Good evening, thank you for calling Intellibank. My name is Celeste, how may I help you tonight?

utterance: Hello Celeste. I am calling to check my account balance.

utterance: OK, great let me get a little bit of information from you so I can help you. And what is your first name?

utterance: My name is Jessie.

utterance: Hey Jessie. How are you today?

utterance: I am good actually, I am very good. You know I just I just got in. I just got in New York from LA and when I got off the plane the flight attendant asked me for my number, like isn't that funny? I don't know why I'm telling you that I'm just still kinda shocked, cause that never happens to me. I mean I'm not I'm not exceedingly attractive but you know I think I'm kinda cute. I think I have my my way about me but I've never had anyone just ask me for my number like that.

utterance: Oh my goodness! Well you must've had something that caught that person's eye.

utterance: Well, I I guess so. I wonder I wonder what it was.

utterance: Well Jessie thank you for entertaining me tonight. All right and I'm sorry Jessie what was it you wanted to do tonight? You you distracted me with your story.

utterance: Oh.

utterance: My apologies.

utterance: No

utterance: It was great.

utterance: I wanted to check my account balance.

utterance: OK. OK, great Jessie. let let me take care of that for you. let me just input this information here for you. Oh and I'm sorry before I do that are we talking about your personal account? Are we talking your commercial?

utterance: Mhm.

utterance: Yeah my business account.

utterance: Your business account. I'm sorry I I wanna make sure I have the right information. OK, Jesse. your name is spelled J, E, S, S, E?

utterance: No, J, E, S, S, I, E.

utterance: OK.

utterance: And my last name is Gram.

utterance: Gram, OK. Let me just input that.

utterance: OK, great I have that.

utterance: Mhm.

utterance: Got it. let me get your date of birth please.

utterance: It's twelve one ninety.

utterance: All right.

utterance: Yeah I'm getting old.

utterance: Hardly And do you have your account number?

utterance: yes. Could you hold on for a second?

utterance: Certainly.

utterance: . It's the six digit number right?

utterance: the bank account number would be a sixteen digit number.

utterance: Sixteen?

utterance: For the for the full account.

utterance: let me see.

utterance: Do you, perhaps you want to give me your PIN number?

utterance: Yeah.

utterance: OK, that that that's the that's the shorter number.

utterance: Yeah.

utterance: Actually I have to find that too. I have like this little note with all of my passwords and stuff.

utterance: OK.

utterance: And OK, I think I have it.

utterance: OK, sure.

utterance: can you try zero, zero, eight, one.

utterance: Zero, zero, eight, one?

utterance: Yeah. That should be it.

utterance: not finding it with that. zero zero eight one?

utterance: Yeah for the phone PIN that should be it.

utterance: All right, let me try again.

utterance: Oh, sorry. Zero, zero

utterance: This six look like an eight. OK. Zero, zero, six, one.

utterance: OK. You're you're still on that that flight talking to the flight attendant.

utterance: Yeah. I guess so.

utterance: Yes. OK.

utterance: All right, let me try that number.

utterance: OK, great. I do have that here for you I'm sorry. My screen is just freezing, one moment.

utterance: Mhm.

utterance: OK.

utterance: Great, got it. All right so you wanted to find out your account balance? to access that I just need to ask you one security question. We just wanna maintain your personal security and your safety here at Intellibank. Would that be all right?

utterance: Yeah.

utterance: Yes.

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

utterance: My mother's maiden name is Stanley.

utterance: Stanley? Can you spell that for me?

utterance: I think it's S, T, A, N, L, E, Y.

utterance: OK. OK, great. All right I do have that information for you. The balance that I show is eight thousand four hundred and twenty-one dollars.

utterance: Perfect. And is there actually any other way that I can check my account other than calling?

utterance: Yes, actually I was going to let you know that as well. We have a variety of ways that you can do that. What you can do that online. You can also download our app if you don't have that already.

utterance: do you have do you guys have an Android app?

utterance: We do, yes.

utterance: Oh, I didn't know that.

utterance: Yeah, we we do have that. and I can go over that with you if you need to any help on how to access that?

utterance: Oh, no no no. I can figure it out.

utterance: OK.

utterance: Yeah, I can figure it out.

utterance: Yes

utterance: You sound like a very intelligent young man. while I have you on the phone is there any other accounts that you wanted to discuss?

utterance: actually, yes. I would like to know about the bank business black card.

utterance: The bank business black Oh, I think I think that you mean our Intellibank business gold card. That's that's our. That's our highest level card.

utterance: Oh Oh yeah yeah yeah. I'm sorry.

utterance: Yeah.

utterance: We we have the silver card and we have the gold card but.

utterance: Yeah.

utterance: Right. I mean the I mean the gold card. Yes.

utterance: OK.

utterance: Yes yes I I can help you with that if you have any questions about that.

utterance: I just wanted to know what is the limit for that card?

utterance: Well the limit, the the the limit that I see here for you is ten thousand dollars. However, if you wanted to apply for a higher limit you could always do an application for a higher limit if that's something that you wanted to do at this time.

utterance: OK. And would that create a new account for that card specifically or would it be tied to my current account and raise my current level?

utterance: It would be raising your current level. It would not be creating a new account unless you wanted to open a second card.

utterance: OK, sounds good. Thank you. I'm I'm so sorry, what was your name again?

utterance: You're wel~

utterance: my name is Celeste.

utterance: Thank you so much Celeste, I appreciate it.

utterance: Absolutely, I'm happy to help you. Is there anything else that I can assist you with while we're on the phone?

utterance: no I think that's it.

utterance: All right. Well I hope you have a wonderful evening and enjoy your you said you're in New York right now?

utterance: I am.

utterance: Enjoy your time in New York.

utterance: Thank you so much.

utterance: You are so welcome. Thank you for calling Intellibank and you have a lovely evening.

utterance: You too.

utterance: Bye bye.


speaker_role: Agent

utterance: Hello, and thank you for calling Intellibank. this is Howard. How may I help you on this fantastically fine day?

speaker_role: Customer

utterance: It is a fine day Howard, and thank you. I'm calling about some information I need about my account and pertaining to debt ratio.

utterance: OK, that should not be a problem at all.

utterance: Great.

utterance: let's start by opening up your account.

utterance: Mhm.

utterance: Woo, sorry. Day's catching up with me.

utterance: Yeah I hear ya. I do. Yeah.

utterance: You understand? Yeah I know you would. It's woo.

utterance: Luckily it's Friday.

utterance: Woohoo.

utterance: All right. So I'm going to need your full name.

utterance: Mhm.

utterance: As it appears on your account.

utterance: OK. I think that it should. Should appear. I'm wondering. I don't know if I gave you Amber Lee Petune or if it's just Amber Petune.

utterance: Well I can try both of those.

utterance: OK.

utterance: All right. It was just Amber Petune.

utterance: Oh, great. Great.

utterance: All right and I'm going to need your date of birth.

utterance: OK. And that would be November ninth nineteen eighty.

utterance: And I'm gonna need your social security number and your state issued ID or driver's license number.

utterance: Uh-huh.

utterance: OK. Oh the day now is catching up and into me.

utterance: Phew OK.

utterance: Sorry if.

utterance: That caught on from me.

utterance: It's all right. I was already feeling it.

utterance: I was already feeling it. But let me give you that information. My social security number is four nine eight two three one seven one seven. And my drivers license is gonna it's gonna be D nine eight nine eight seven one.

utterance: OK. and what is the four digit PIN that is associated with this account?

utterance: One seven six three.

utterance: Fantastic. All right. Well it looks like you have a couple of different accounts with us here. And you were calling because you wanted to figure out your debt income ratio?

utterance: Mhm.

utterance: Yes that is correct.

utterance: OK.

utterance: Now before we can do that what is your businesses name?

utterance: Oh, you know here we go again. I don't know if it's The Road to Success or Road to Success that I'm filed here under.

utterance: OK. I can try both of those for you without a problem.

utterance: Thank you.

utterance: All right, it was the second one.

utterance: OK. Road to Success then?

utterance: And now I'm going to need your gross income for last year.

utterance: OK. And did you just want it all all at once? Or did you want it broken up by quarterly incomes or?

utterance: No no. Total, total gross income for the year.

utterance: The gross is what you said?

utterance: OK. OK. And here we are it was six hundred fifty-seven thousand dollars.

utterance: All right.

utterance: Mhm.

utterance: And what is the period of time that you were looking to get that debt ratio within?

utterance: Oh, can I have it now?

utterance: Oh, I'm sorry. what what period of time from your business would you like that debt ratio?

utterance: Oh currently.

utterance: you can get it.

utterance: Anywhere from five months to twelve months.

utterance: Twelve months.

utterance: All right. So that will not be a problem.

utterance: OK.

utterance: And as this information is loading in the computer just wanted to take a moment to let you know that this information debt ratio information is available on our website.

utterance: Mhm.

utterance: Oh my

utterance: you.

utterance: Can access that twenty-four hours a day.

utterance: Just by Just by going to Intellibank dot com. Or if you'd like to do that on your phone, you can go to the Intellibank app available at any app store.

utterance: I had no idea.

utterance: Mhm.

utterance: Mhm.

utterance: Oh.

utterance: So you don't have to give us a ring. Unless you like calling us. I know some people they like to talk to that person on the other end of the line.

utterance: No I don't mind either way. But I had no idea that there was online banking available with Intellibank.

utterance: yes there is. And you can use all the info that I asked you here today is what you'll need to set that up online if you like to access your account online.

utterance: Great.

utterance: All right. So it looks like we have all the information here. I have the value of your companies monthly debt payments and we're gonna divide that by it's gross monthly. Gross monthly income. and it looks like your debt to income ratio is ten point eight percent.

utterance: OK.

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

utterance: No.

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

utterance: You too.

utterance: Bye.


utterance: Hello, this is Gale from Intellibank. Who do I have the pleasure of speaking with?

utterance: Hi, how you doing? I was wondering if I can start a business account with your bank?

utterance: yes, but can I have your first name, and how are you today?

utterance: Oh it's I'm cold cause it's it's dark outside and it's getting ready to get cold. So my name is Mike and Charles Brown.

utterance: OK, so your last name is.

utterance: Brown.

utterance: OK great, thank you, Mr. Brown. so first before I ask you this. What type of business account did you want? You want a regular checking account.

utterance: I think I was reading that you guys have a couple of different checking accounts. I saw there is a total checking or business preferred checking. I think based on what I saw it was the total the Intellibank the total checking.

utterance: OK.

utterance: Account is what I wanted to start.

utterance: OK great so let's let me start out by getting some information from you first. So as you mentioned your first name is.

utterance: My first name is Charles.

utterance: It's Charles. OK. And your last name is Brown. OK, terrific. may I have your street address?

utterance: Brown.

utterance: It is ninety-nine. Excuse me. Gemini Lane. that is in Michaelsville. M I C H A E L S V I L L E. Maryland two one zero zero five.

utterance: OK so the city is Michaelsville and the state is Maryland.

utterance: Yep.

utterance: OK great and you said the ZIP code. Tell me that once again please.

utterance: Two one zero zero five.

utterance: OK, awesome may I have your social?

utterance: It is six nine one one one five two five six.

utterance: Awesome thank you so much and your driver's license, please.

utterance: Oh OK. so you need the number?

utterance: Yes.

utterance: Got you so hold on a moment while I go get the driver's license cause I don't know that by by by heart.

utterance: Not a problem go right ahead.

utterance: All right all right I had to go through the wallet. The wallets kind of old I need to buy a new one. so the driver's license is B as in boy. zero nine one seven eight nine one two three seven six five.

utterance: Awesome great thank you and may I ask what is your pin number?

utterance: it is eleven zero nine.

utterance: OK great. next, may I have your email address, please?

utterance: Yes, the email address is game G A M E over all together at Gmail dot com.

utterance: OK, great I like that. That's a that's a cute name. so what's the name of your business?

utterance: Game Over LLC how about that?

utterance: Oh, all right OK I see obviously you like video games.

utterance: Yes, this is what I do.

utterance: Oh.

utterance: What I do.

utterance: Great are you the sole owner of your business?

utterance: Yes, I'm the sole of anything of my business.

utterance: All right great and what was the date that you opened your business?

utterance: It was January first of twenty twenty. I saw this covid thing coming and we went to we went straight to work.

utterance: OK, terrific. Can you tell me what what are the gross sales? On your business the total dollar amount?

utterance: Yep. Yep. We we are seeing. We were able to get a a million dollars.

utterance: You think?

utterance: All right! OK terrific. Yeah, I know the game the gaming business is doing really good. So, especially with.

utterance: Yep. Twitch. Twitch. YouTube.

utterance: L all all that teaching people how to game and and all that stuff.

utterance: All right that's terrific. So may I have your tax ID number, please?

utterance: Yeah it's zero zero zero nine eight seven one four five.

utterance: Great and what is the street address?

utterance: It is ninety-nine again Gemini Lane which is in Michaelsville Maryland two one zero zero five. So my address and the business address are the same.

utterance: OK, terrific. So all right so the the so again the state is Maryland.

utterance: Yeah.

utterance: That the business resides.

utterance: Mhm.

utterance: And the the ZIP code again. I'm sorry.

utterance: Two now zero zero five.

utterance: Two one zero zero five. Terrific and is the mailing address the same?

utterance: Yes so the mailing address is ninety-nine Gemini Lane excuse me. Michael Michaelsville Maryland two one zero zero five as well.

utterance: OK OK terrific so the street the mailing address is also in Michaelsville and the state is still Maryland as well as the ZIP code.

utterance: Mhm.

utterance: all right so now you you mentioned that you wanted a checking account and you believe it's the total checking.

utterance: Yep, it's the Intellibank total checking.

utterance: OK.

utterance: excuse me.

utterance: Business total checking.

utterance: Business total checking.

utterance: Yep.

utterance: OK. Great. Are you gonna have? Do you have a lot of checks coming through? You think?

utterance: that one.

utterance: I'm not totally sure. In my own my personal life I don't really write checks. but I do you know do wires and and things of that nature. so it's possible but that part we'll have to we'll have to gauge.

utterance: OK cuz you know we do have other checking accounts that some of them have our interests bearing business checking account and as well. The other thing too, just to let you know, it with some of the some of our checking our business checking accounts if you have like a minimum of say five thousand dollars then the checking account does not have a maintenance fee on it. So you may want to consider that as well. if that's something that you think the the business would handle.

utterance: OK. Yeah, I'm actually. I was going to start it with ten thousand dollars just to see where everything was and I would transition from there. How difficult is it to set up this my online banking I mean generally I just have an app and do everything from my phone. Is that the same?

utterance: Yes, you can set it up. We do have an app for both iPhone as well as Android and you we can have set that up for you as well as if you have any issues if you have any problems we can have our tech person walk you through what needs to be done. So you wanted to set that up with. You said you were gonna start funding that with ten thousand dollars. Is that correct?

utterance: Yeah.

utterance: OK.

utterance: And so if everything you know if everything goes right I would be open to having a savings account and other things as well. Do you do you have those?

utterance: Yes, we do. so let's get. Let's get your checking account done and then we can we can talk about the savings account after that, OK?

utterance: OK.

utterance: All right.

utterance: So what what is the name of the bank that you wanted to or your account number that you wanted to set up your the funding to for this account?

utterance: OK yeah, so I'll go ahead and give you the bank number.

utterance: OK.

utterance: That is zero nine eight seven six five and the routing number.

utterance: yeah, and can I have the routing number please?

utterance: Yep.

utterance: The routing number is seven seven nine nine zero zero one one one.

utterance: OK, terrific. so I think we have everything that we need to get you all set up and so I'm gonna put all of this information in. I'll send you an email to let you know once it's all completed and and then we gonna welcome you to our new business account family. Is there anything else that we can do for you before we before we release this call?

utterance: no, I guess I would I I will say that you guys you answered the phone quickly and that which is good sometimes nowadays with everybody working from home it's hard to get through because everybody's calling and you got you know babies crying in the background and stuff like that so. this was a at least a decent experience from the beginning.

utterance: Well, great I appreciate that. and as as I said we welcome you to the Intellibank family and I I will ensure that you get that we get this email out to you right away so you will have all the information you need to get started. and if there's nothing else I hope you have a fabulous day.

utterance: All right thank you,

utterance: Thank you so much.


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

utterance: Hi I have a account with you guys. And I'd like to add another person on to my account. Am I able to do that with you over the phone because I also need to get a card to them?

utterance: Mhm.

utterance: Yeah that's something I can probably help you over the phone with. Can I first get your account number please?

utterance: Yeah it's five four three seven one two eight nine.

utterance: OK thank you. And your first and last name?

utterance: My first name is Tani, my last name is Brown.

utterance: OK thanks, Tani. And for your security, can I get your date of birth please.

utterance: Yeah it's seven eight ninety.

utterance: OK. And then there is a PIN on this account. Can I get your PIN number please?

utterance: Yeah it's one four six seven.

utterance: OK excellent. OK thanks, Tani. So we wanted to. You wanted to add a new user to this credit card, correct?

utterance: Yes. And get them a card of their own. Also can they get on to my account if they come into the bank and like, can they get information on my account or will it be like a separate account for them? Or is it can they log into their own thing? Or will they log into mine or like I just. What are there connections to my original account if I add them?

utterance: So they would be an added user but they wouldn't be able to get your information. They would be able to set up their own user ID login with us at Intellibank dot com. And that would show them just their purchases.

utterance: So I can control what they see and what they don't see. Can they see my purchases or?

utterance: They would not be able to see your purchases, just their purchases.

utterance: OK, OK. Well, then let's move forward.

utterance: OK great. Can I get the new username's first and last name please?

utterance: Yeah the first name is Rabeck.

utterance: Uh-huh. Oh, how do you How do you spell that, I'm sorry.

utterance: And the last.

utterance: R A B E C K.

utterance: OK.

utterance: And then the last name is Brown. Same as mine, it's my daughter.

utterance: OK. And your user's date of birth.

utterance: Yeah it's eight six eighty-seven. She's my step-daughter.

utterance: OK. All right and the desire limit of

utterance: I'd like to give no more than ten thousand five hundred.

utterance: Ten thousand five hundred, OK.

utterance: I have an unlimited amount so I, I don't wanna give her too much.

utterance: Gotcha.

utterance: Freedom there even though I'm younger than her.

utterance: Gotcha. No problem, so ten thousand five hundred will be her, the limit on this card. did you wanna set up a PIN number for her?

utterance: Yeah, let's go with four five one four. That's her father and I's anniversary date so every time she makes a purchase she can remember how she got this money.

utterance: OK great. All right so we've got that set up. Now you should be receiving this card within seven business days. It will go out.

utterance: Seven? She can't get it like tomorrow? Like can she pick it up a like at a, at a branch or?

utterance: Mhm.

utterance: Like and now can I kind of lock it if I don't want her to use it or if she's like a, a butt, can I just kind of lock it from my side and be like hey no more frappuccinos on me.

utterance: Yes.

utterance: Yes, you, you have the control since you are the account holder. She will just be a user on this account so yes. But as far as picking up a, the credit card from a local branch unfortunately that's not possible. These do come out from our central processing center.

utterance: OK.

utterance: And that will take, I'll put that order in right now, but it does take up to three business days to get mailed out so then you should get it within seven business days.

utterance: Seven you know that's so long. I huh. OK. Well.

utterance: Unle~

utterance: Well, let me just verify. Is this going to your business address? Three seven six four seven Center Drive, Albany, Kentucky nine eight six two one?

utterance: Oh.

utterance: See no. It's going to her address. She doesn't live near me.

utterance: Oh OK. Can I get that address please?

utterance: Yeah it's one six three two.

utterance: Mhm.

utterance: First Street.

utterance: OK.

utterance: Louisville, Kentucky.

utterance: OK.

utterance: That's nine seven three two one.

utterance: Nine seven three two one. Great. All right. So we'll get that sent to her address then.

utterance: OK. And now. I'm kind of questioning if I should be giving her that much money to start with. Can I take the amount down at anytime? Can I, can I call in and be like you know what let's, let's only give her five thousand.

utterance: And.

utterance: Yes. Yes. You have complete control of that. So just to verify, did you want to start with ten thousand five hundred? credit line?

utterance: OK.

utterance: Yeah.

utterance: Let's see what she does with that and if not then then I will be giving a, you a call.

utterance: OK.

utterance: Shortly.

utterance: OK sounds good. All right well we've got that taken care of. Was there any other information I could help you with?

utterance: No I don't think so. I think you've answered all, all of my deep questions.

utterance: OK great. Well thank you for using Intellibank and you have a good day.

utterance: You too.


utterance: Hello. Thank you for calling the Intellibank call center. My name is Arnold, your customer service representative. I'll be happy to help you today. What service could I possibly provide for you?

utterance: Hey Arnold, I was just hoping to schedule a loan with you guys. I think I can do that online but I'm just away from a computer right now. I thought I could just call in and take care of that instead. over the phone.

utterance: No problem. You just wanted to schedule a loan payment?

utterance: Yeah. I took out a loan with you guys a while back. I'm sure you'll see it on my file. I just wanted to make a payment. I've been saving up and I'd like to put some of those savings towards towards the loan.

utterance: Sure we have a number of investment loans. Just wanna make sure which loan I'm looking up. Did you have the wealth management loan, the term loan, the secured loan?

utterance: Yeah. It was it was the it was the wealth management loan.

utterance: OK, the wealth management loan. Let's see OK. Yes! So I'll just need your first and last name to begin.

utterance: Yeah. That is Ron Michaels. Ron Michaels.

utterance: Ron Michaels. Ron, I also need your date of birth.

utterance: Yeah that's April third nineteen eighty.

utterance: April third nineteen eighty. Your four to eight digit pin number please.

utterance: Yep. Seven nine seven eight eight.

utterance: Seven nine seven eight eight. I'll take just a second to process that.

utterance: Ooh! How's your day going? You've been busy?

utterance: Haven't been able to get outside yet. Yes. It's been very busy here at the call center. Saturdays are one of our busiest days.

utterance: Oh. What? Cuz people are off work and have more time to call in or.

utterance: I guess there's a number of different reasons. Yeah. People, end of the weekend. People put things off.

utterance: Oh yeah.

utterance: Mhm.

utterance: That makes sense, I guess.

utterance: Yeah.

utterance: I understand. Yes, yes, yes indeed. So, I will also need your six to ten digit loan account number. So this is the account that you'd be paying into.

utterance: yeah let me grab this here. OK. four three four five seven zero five.

utterance: Got that.

utterance: I'll need another six to ten digit number from you and that will be the payment bank account you're paying out of. I see here that with us if you wanna pay from one of your Intellibank accounts, you have the total preferred checking and also the Intellibank smart savings account. Which account would you like to pay from?

utterance: Oh well the savings. So, can you just pull from that?

utterance: I could pull from savings and I will do that for you.

utterance: OK.

utterance: Now for the savings I also need a payment routing number that is six to ten digits as well.

utterance: Oh you don't have that too?

utterance: No, sir. Not not handy.

utterance: OK the routing let me see OK one two zero zero three four seven nine.

utterance: OK. While we wait for that to process just wanna let you know your different options. Because we do have online banking at Intellibank dot com or through the mobile app. And in the mobile app, which you can download from the app store for free for iPhone or Android, there are features like setting up recurring payments, or just making individual payments like you're doing on the phone today.

utterance: Yeah I I always get freaked out doing financial transactions you know over the Internet and it's supposedly safe, but I don't know.

utterance: OK, well. Just, just.

utterance: I've heard.

utterance: Too many horror stories about hacking and ransomware and all that.

utterance: Right. Understand. Just just letting you know your options. So In that online banking center, you would be able to set up recurring payments and you're able to adjust that amount at any time as well. You are not locked in to any sort of certain payment per month and it gives you access to your account twenty-four hours a day seven days a week. But you are free to call us as well. And if you want to call us, give you a little tip if you call us directly from the app, there's a call button, it will advance you and you will be on hold for a much shorter time than if you would have

utterance: Oh. So I can

utterance: Call kind of within the app?

utterance: That is correct.

utterance: Interesting. I gotta sign into the app first though to do that. Is that?

utterance: Yes, you would need to do that.

utterance: OK.

utterance: OK.

utterance: All right.

utterance: So let's just finalize this payment for you. What is the date that you would like this payment to go through?

utterance: let's do it on Thursday.

utterance: Thursday, this this upcoming Thursday?

utterance: yeah. This yeah. This coming Thursday.

utterance: So that's December sixth two thousand twenty-one. Just to verify that for you.

utterance: OK.

utterance: The amount of the payment you would like to make?

utterance: thirteen hundred.

utterance: That would be one thousand three hundred dollars even, correct?

utterance: Correct.

utterance: OK. Putting that request in now. And look for it this Thursday December sixth. You should receive a confirmation email that that payment has gone through. Is there anything else I can help you with while you're on the phone?

utterance: No. I think that's it.

utterance: OK, sir. Thank you so much for calling Intellibank and for being an Intellibank preferred customer since two thousand one.

utterance: All righty. Thank you.

utterance: Bye bye.


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

utterance: yes I'm calling to set up an automatic loan payment. can you help me with that please?

utterance: I certainly can help you with that sir. but first I need to get a little bit of information so that I can access your account.

utterance: OK.

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

utterance: Yes, my first name is Gabrielle. My last name is Robinson.

utterance: OK Mr. Robinson, look up your account and can I have your date of birth please?

utterance: yes my birthday is ten twenty-four one nine seven four.

utterance: OK again you said ten twenty-four nineteen seventy-four?

utterance: Yes ma'am.

utterance: OK thank you sir and can I have your PIN please for that account?

utterance: Yes my PIN for that account is four four nine five four nine.

utterance: OK so your PIN is four four nine five four nine?

utterance: Yes.

utterance: OK thank you so much Mr. Robinson and can I have your loan account number please?

utterance: Yes my loan account number is zero zero five nine seven seven five one three one I believe. What a minute, I gave you the wrong number. that wasn't the correct one, the correct one is I'm sorry about that.

utterance: That's all right sir go right ahead with the other number.

utterance: yes it is zero zero five nine seven seven six one three one.

utterance: OK sir to verify that number was zero zero five nine seven seven six one three one. Is that correct?

utterance: Correct.

utterance: OK sir thank you so much and could you give me the payment account number you're wanting to use to schedule that loan payment sir?

utterance: The payment account number?

utterance: Yes sir.

utterance: Is four zero nine five five two three one five seven.

utterance: OK sir you said that number was four zero nine five five two three one five seven.

utterance: Yes.

utterance: OK thank you sir and could you give me the payment routing number for that account as well?

utterance: Yes the payment routing number is five one one three four three six seven eight.

utterance: All right sir that number again was five one one three four three six seven eight, is that correct?

utterance: Yes correct.

utterance: All right thank you so much and what day would you like to schedule these payment for sir?

utterance: could I have for eleven fifteen thousand one?

utterance: OK you want these to be debited out on the fifteenth of each month sir?

utterance: Yes.

utterance: Starting in November on the fifteenth?

utterance: Yes please.

utterance: OK sir just one moment while I set up that autopayment for that loan.

utterance: OK so so how you like your job? is it easy or is it hard or a little bit of both?

utterance: Oh it's a little bit of both sir. We have good days, bad days just like any other company and any other job. Sometimes these financial situations can get a little complex, you know.

utterance: Oh.

utterance: Oh so people get mad when they call?

utterance: Oh no it's not that, I mean handling the financial situations of so many clients really.

utterance: Oh OK.

utterance: you know everyone has their ups and downs so some days it takes a little bit more energy to make sure that you're giving the right information for the customer.

utterance: Oh I see.

utterance: All right sir. So it looks like I've already set up your loan payment to automatically debit each month on the fifteenth of and that will be the current balance due for each month sir. It's gonna automatically send you an actual bill but it automatically actually debit for that amount. So you don't have to worry about scheduling those payments. You will get a receipt each time you actually process these payments as well via email or if you set it up you can get a text. I don't know if you have online banking? But if you do have online banking access you can actually go online and check the payment scheduling and change it up if you ever want to.

utterance: OK.

utterance: OK so that's the fifteenth of every month, what if the fifteenth falls on a Sunday?

utterance: Well sir if the fifteenth falls on a Sunday it's going to process on the fifteenth but the debit won't come out till the first business day. So if it's on a Sunday then the debit won't come out till the actual sixteenth.

utterance: All right. OK.

utterance: OK.

utterance: But if it's scheduled and it falls on a Saturday sometimes that'll come out the day before. So just make a note of that so sometimes that debit may come out and fall on the fourteenth.

utterance: OK.

utterance: OK.

utterance: Thank you.

utterance: All right that was a good question sir.

utterance: Thank you.

utterance: All right. Can I help you with anything else today Mr. Robinson?

utterance: no that's about it.

utterance: All right thanks so much for giving us a call today. I hope you enjoy the rest of your day and again my name was Natasha.

utterance: All right you have a good day Natasha.

utterance: Thanks, you too sir. Bye bye.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. My name is Mary Jo, how may I help you today?

utterance: Hi Mary Jo, hi yeah OK so, can you get me started with your SPC loan?

utterance: Certainly, I'd be glad to help you today. you'd like to apply for a loan and I I think that would be our SPA loan.

utterance: That's.

utterance: Right, that's what I meant SBA loan, that's right.

utterance: Great, great.

utterance: Is this for real estate or otherwise?

utterance: this is for real estate.

utterance: OK great, that'll be for our five oh four loan.

utterance: Yes, that's the one.

utterance: I.

utterance: Terrific, I'm happy to help you with that today. I'm gonna be asking you for some information so I can do this for you right over the phone.

utterance: No actually not, nah I'm just kidding go ahead.

utterance: OK, you got me there for a minute. And who do I have the pleasure speaking to today?

utterance: You're speaking to Max Wellington.

utterance: Max Wellington?

utterance: That's right.

utterance: OK, and will you be going by Max or Maxwell for the loan?

utterance: Max please.

utterance: OK and Wellington, will that be W E L L I N G T O N?

utterance: Correct.

utterance: Great. All right, so bear with me while I'm loading this into the system.

utterance: OK.

utterance: And what is your social security number please?

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

utterance: OK. And that would be two eight.

utterance: Five three.

utterance: Five.

utterance: Three. Thank you so much.

utterance: Yeah sorry.

utterance: I was talking real fast.

utterance: That's.

utterance: OK, and I'm just typing as you're talking.

utterance: Mm.

utterance: We are gonna make a great team together.

utterance: You are talented.

utterance: Oh boy, typing and talking, I guess I gonna throw chewing gum in there too.

utterance: OK great, and I will need your driver's license number and the state that it was issued.

utterance: Sure, it is California mhm is the state and then Steele one five eight two three nine.

utterance: Eight two three nine.

utterance: Yeah.

utterance: Great, and then you have a four digit PIN number that you established with our, any of your accounts.

utterance: yeah, actually let me pull that up, give me one second.

utterance: Sure.

utterance: OK it's two three eight five.

utterance: Two three eight five terrific. And what is the best email address for you?

utterance: Yeah.

utterance: it is, well happy at Blick dot com.

utterance: And Blick, would you spell that for me?

utterance: B L I C K.

utterance: Great, dot com.

utterance: Yeah.

utterance: Great, got that. And Max, what is the name of your business?

utterance: Blick and Associates.

utterance: OK.

utterance: It's, Blick is spelled the same way.

utterance: Great. And are you the sole business owner?

utterance: Yes I am.

utterance: Great. And Max, what's the approximate month that you started your business and then the year?

utterance: it was January.

utterance: January.

utterance: Two thousand three.

utterance: Two thousand and three. Oh my goodness, you've been in business for quite a while.

utterance: I have certainly been, yes sir. Yes ma'am.

utterance: That's ni~

utterance: Nice to see mm. All right, and your gross annual sales for last year two thousand and twenty.

utterance: Two thousand and twenty, let me pull that up. it's a hundred and seventy thousand, approximately.

utterance: OK, this approximate is great.

utterance: Yeah.

utterance: One moment while I'm just putting this into the system. OK great, and then your text ID number.

utterance: let me pull that up. The text ID if I can. There it is, all right seven five six two one nine six nine eight three.

utterance: Six nine eight three.

utterance: Oh I'm sorry, it's six nine eight. I don't know why I said that six nine eight three. yeah, the last three digits are six nine eight.

utterance: That's.

utterance: Got that.

utterance: Terrific. And what is the address where your business is located?

utterance: Five two three Heavenly Road, Los Angeles California, nine eight six five three.

utterance: Six three OK terrific. And is your mailing address the same as your business address?

utterance: Yes.

utterance: Great. OK Max, and what's the amount of the loan that you'd like to apply for?

utterance: I'm going for sixty thousand.

utterance: Sixty thousand, OK.

utterance: Uh-huh.

utterance: And then they'll they will be asking for between a five to twenty percent down payment. How much would you like to put down?

utterance: I'm putting about ten percent so about six thousand.

utterance: OK very good. All right and just to let you know that on an SPA loan the government does assume some of the risk factors, so that does make this an easier loan to apply for for real estate. I am going ahead and processing this. Please be advised that interest rates are set by the SCC, and you should have your results within seven to ten business days. And if you have any other questions, you can call us back in the mean time. Does that take care of everything for you or did you need anything else today Max.

utterance: No, that is it. That is it, thank you so much.

utterance: Great.

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

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Lena. How are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. I hope you're having a wonderful day as well.

utterance: Yes ma'am, I sure am. My name is Jennifer and I am the new office manager over here at Hughes and Hatcher. And I'm trying to get all of my paperwork in order. So I was calling to see if I could check some balances with you. In particular, the balance of our term loan.

utterance: Well yes ma'am Miss Jennifer. I'd be more than happy to assist you with that. And first I would like to congratulate you on your new position.

utterance: Oh well, thank you. That's so sweet Lena. I appreciate it.

utterance: Well yes ma'am. I do need to get some information from you so I can pull that account up for ya. I have your first name as Jennifer, that's spelled as J E N N I F E R?

utterance: Yes ma'am, that is correct. And my last name is Newman. That's spelled N E W M A N.

utterance: Thank you so much Miss. Newman. And I have your last name spelled as N E W M A N?

utterance: Yes, ma'am.

utterance: Thank you. And may I have your date of birth please Miss. Newman?

utterance: Sure. It's March the seventh, nineteen sixty-six.

utterance: All right. I have March the seventh, nineteen sixty-six. And may I also have your PIN number please?

utterance: Absolutely. It is. Oh, I apologize about that. It's six three three nine nine seven one four.

utterance: All right, I have your PIN number as six three three nine nine seven one four. And you said you were with Hughes and Hatcher. Was that correct?

utterance: Yes ma'am. That is correct.

utterance: Thank you so much Miss. Newman. And it was your term loan that you're wanting to check the balance for correct?

utterance: Yes, ma'am.

utterance: All right, thank you. May I have your loan account number please?

utterance: Absolutely. It is six eight nine five nine six eight four nine five.

utterance: All right. I have six eight nine five nine six eight four nine five. Was that correct?

utterance: Yes ma'am. That is correct.

utterance: Thank you Miss. Newman. One moment. Let me pull up this loan balance for ya. I'm showing your loan balance at sixty-one thousand three hundred fifty-three dollars and seventy-nine cents.

utterance: OK great. That was just to verify sixty-one thousand three hundred fifty-three dollars and seventy nine cents?

utterance: Yes ma'am. That is correct.

utterance: OK, great. Thank you. And could I actually also check the available balance on our Intellibank Business Go Card?

utterance: Absolutely, Miss. Newman. I'd be more than happy to assist you with that. May I have that card number please.

utterance: Absolutely. OK, here it is. I I do apologize that card number is five four nine eight five three nine seven one three seven six zero nine eight five.

utterance: All right Miss. Newman. I have that as five four nine eight five three nine seven one three seven six zero nine eight five. Is that correct?

utterance: Yes ma'am Lena. It sure is.

utterance: Thank you so much. Just one moment. OK, I am showing that available balance at nine thousand six hundred forty-nine dollars and seventy-eight cents.

utterance: OK, so that's nine thousand six hundred forty-nine dollars and seventy-eight cents?

utterance: Yes ma'am. That is correct.

utterance: OK, great. Thank you. And I do apologize one more. Could I actually let's see, I believe we also have the Intellibank Business Platinum card. Could I go ahead and check the available balance on that as well?

utterance: Yes ma'am. I'd be more than happy to go ahead and assist you with that. May I have that card number please?

utterance: Absolutely. That card number is five two one two five eight one nine two four zero four four eight one five.

utterance: I have five two one two five eight one nine two four oh four four eight one five. Was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you so much Miss Newman. Just one moment. OK. I have that available balance as one thousand three hundred fifty-nine dollars and sixty-seven cents.

utterance: OK, great. That was one thousand three hundred fifty-nine dollars and sixty-seven cents?

utterance: Yes ma'am. That is correct.

utterance: OK, great. Well thank you so much for your patience and your help today Lena.

utterance: That's not a problem Miss Newman. That is what we're here for. Was there anything else I can assist you with today?

utterance: No ma'am. I think that just about has it. And again thank you so much.

utterance: Well, thank you Miss Newman for calling Intellibank. You have a wonderful day.


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

utterance: Hello. I was wondering if I could get help with my taxes for my business please.

utterance: Yes absolutely I can go ahead and help you out with that. So would you like to schedule a appointment with our tax specialist?

utterance: I would like that.

utterance: Yes absolutely. I can go ahead and schedule an appointment for you. First can I get your name and date of birth please?

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

utterance: Thank you and can I get your account number?

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

utterance: All right thank you for that. So what date will work best for you?

utterance: I would prefer on a Monday morning, if that's possible.

utterance: All right let me go and check. All right I do see one available for this coming Monday. what time will work for you?

utterance: at around nine a.m..

utterance: All right. So unfortunately I don't see one for nine a.m. but there is one for ten a.m..

utterance: OK I could compromise on that.

utterance: Yes absolutely. And would you like an in person appointment or online?

utterance: I would like an in person appointment.

utterance: All right. No problem. So in that case can I also get your ZIP code?

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

utterance: All right thank you. I'm just confirming the appointment right now. all right so I have just made your appointment for this Monday at ten a.m. at our in person branch at your location and you should receive all the information to your email shortly.

utterance: Oh 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 it's very warm where I am right now very sunny. how about the weather with you?

utterance: Oh it's also warm and sunny over here which is really great.

utterance: yes absolutely. It's always really good to have warm weather.

utterance: Yeah and do you guys offer a business plus card or .

utterance: Oh did you mean our business platinum card?

utterance: Oh yeah that one.

utterance: Yes absolutely. We have our business platinum card it's one of our it is our highest ranking credit cards for businesses and it offers high rewards and low fees and requires a minimum balance of two thousand dollars. And if you wanted to apply for one you could apply online or go to a branch.

utterance: Oh OK that's good to know. And if I take and I got the appointment with a tax advisor like exactly what should they help me with in terms of my taxes?

utterance: Yeah so a tax specialist will go over all the taxes that you're paying for for your business it will go over all the rates and the different options that you may have and they could definitely help you to mitigate the amount of taxes that you are paying and any other questions that you have about your taxes they'll be able to answer them for you.

utterance: Oh OK that's good to know. And what about a financial advisor?

utterance: Yeah so a a financial advisor is more broad than tax specialist. financial advisors can go over any of the finances regarding your businesses such as your assets, your liabilities your expenses. So you'll be able to ask more questions to a financial advisor than to a tax specialist.

utterance: That's all right but I don't think I'll need the financial advisor.

utterance: All right no problem. So did you have any other questions for me today?

utterance: No that that was that was all for today.

utterance: All right. Thank you. Have a great day.

utterance: You too.


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

utterance: Oh, hello. My name is Sharlene and I had called previously on an issue regarding my savings account.

utterance: Oh yes, no problem. What's your issue?

utterance: I wanted again to open another account, a checking account.

utterance: Yes, absolutely I can go ahead and help you out with that. Can I get your name, please?

utterance: OK my name is Sharlene Peterson.

utterance: Thank you and can I have your home address, city, state, and ZIP code?

utterance: OK my address is nine three three Brookside Street, Galant City in Texas and the code is seven five zero four one.

utterance: All right, thank you so much. And can I get your full social security number?

utterance: OK that will be four three three five four eight six seven five.

utterance: Thank you for that and can I get your driver's license number?

utterance: OK that will be J one nine nine zero one two two nine.

utterance: Thank you for that and what is the states of issuance for that license?

utterance: it's. Within Texas county.

utterance: In Texas state correct?

utterance: Yeah Texas state.

utterance: OK thank you. And can I get your PIN number?

utterance: That will be thirty-five four six.

utterance: Thank you and also can I ask for your email address?

utterance: that will be Shapete that is S H A P E T E at Yahoo dot com.

utterance: All right thank you so much for that and can I also get the name of your business?

utterance: OK the name of the business is North Sky Computers.

utterance: All right and are you the sole owner of North Sky Computers?

utterance: Yes I'm the sole owner.

utterance: OK. And what is the date that you established your business?

utterance: that will be around the third of March in twenty nineteen.

utterance: All right. And what are your gross annual sales for your company?

utterance: that will be around three hundred thousand dollars.

utterance: OK. And can I get the tax ID for your business?

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

utterance: Thank you and can I get your business address so the street, city, state, and ZIP code?

utterance: OK that will be seven eight two North Lane Street in Galant City that's Texas state and the code will be seven five zero five one.

utterance: All right. See And what would you like your mailing address to be?

utterance: for the business right?

utterance: sure.

utterance: Yeah.

utterance: could you just repeat your business address for me?

utterance: OK that is seven eight two North Glen Street in Galant City that is in Texas state and the code is seven five zero five one.

utterance: All right, thank you. All right, one second while I type in the information.

utterance: OK.

utterance: All right so what would you like your checking account type to be? We have two types of checking accounts, that would be Intellibank business total checking and Intellibank business preferred checking.

utterance: I prefer the business preferred checking.

utterance: OK no problem. And what would you like your initial balance to be for the account?

utterance: five thousand dollars.

utterance: OK and can I get the account number in which you will fund this balance?

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

utterance: All right and can I get the routing number?

utterance: OK will be. That will be five five one nine one two three three four.

utterance: All right, thank you. your account has been made.

utterance: Oh thank you.

utterance: Yeah. Any questions?

utterance: h~

utterance: how is the the weather over there?

utterance: Oh the weather's so nice, thank you.

utterance: that's good to know and I was also inquiring about the business credit card, does your bank offer it?

utterance: Oh so we offer business platinum card, which is one of our credit cards. And if you'd like to know more about it you could go online on our website and read about it or apply.

utterance: Oh OK thank you. And What are the requirement for one to get one?

utterance: you just have to have an account with us, that's it.

utterance: Oh OK and on a question about my checking the background, how long will it take for me to access it?

utterance: Well you will be able to access it right away, you should receive an email shortly.

utterance: Oh OK and charge for using it or operating it?

utterance: no there's absolutely no charge.

utterance: OK thank you for that.

utterance: Yeah, no problem, any more questions?

utterance: No I think that's it for today.

utterance: All right, no problem, have a great day.

utterance: You too.


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

utterance: Hi Joan I need to get a loan statement.

utterance: OK, I'll be happy to help you with that. I need to get a little personal information first.

utterance: All righty.

utterance: All right, can I get your first name please?

utterance: Jerry Hoffman. J E R R Y H O F F M A N and my date of birth is July twenty-first nineteen seventy-eight.

utterance: All right, that's perfect. Can I also get your PIN number please?

utterance: Yes, nine three eight zero.

utterance: All right, and I'm going to need the loan number that you're going to want the statement for?

utterance: OK, it's two five zero three eight zero zero three six seven.

utterance: Two five zero three eight zero zero three six seven.

utterance: Yes.

utterance: OK, and let me see and how would you like for me to send that to you? We can mail it or we can email it.

utterance: I need both mail and email if that's possible.

utterance: That's that's doable, yes. how would you like me to get that mailed to you? What are the what's the address?

utterance: OK, I don't know if you have my new address on file so I'm gonna give you both my old and my new one.

utterance: OK.

utterance: I've got thirty-six Edgemont Lane Buffalo Grove Illinois six zero zero eight nine and eight eighty-two West Magnolia Street Buffalo Grove Illinois six zero zero eight nine.

utterance: Looks like the address that we have on file is the thirty-six Edgemont Lane.

utterance: OK, that is my old address.

utterance: OK, let me change that. And what did you say was the updated address?

utterance: Eight eighty-two West Magnolia Street.

utterance: OK, eight eighty-two West Magnolia Street. We're removing thirty-six Edgemont Lane and both that was in Buffalo Grove Illinois six zero zero eight nine?

utterance: Yes, that's correct.

utterance: OK, and is there any other addresses you need me to mail that to?

utterance: yes, I need to send that to my business partners home address which is seventy-six Sunbeam Drive Buffalo Grove Illinois six zero zero eight nine.

utterance: OK, seventy-six Sunbeam Drive Buffalo Grove Illinois and what is the business partner's name?

utterance: Dan Thomas.

utterance: Dan Thomas, OK, thank you. Any other addresses?

utterance: nope, those are all the physical addresses.

utterance: OK, and you wanted me to email to you as well?

utterance: Yes, I just need it to my personal email as well.

utterance: OK, and that email address is?

utterance: G C Studios at Gmail dot com.

utterance: OK, G as in George C as in Cat Studios at Gmail dot com.

utterance: Yes.

utterance: OK, let me check and make sure I have all this different information and we will be sending the loan statement out to both you and Dan and for regular mail and then emailing a copy to you. Is that all I could do for you today?

utterance: no, I also I also need to check the available credit limit on my Intellbank platinum credit card.

utterance: OK, on your Intellibank platinum credit card?

utterance: Yes, Intellibank.

utterance: OK, and let me pull that up. Can you give me the account number for that please?

utterance: well I've got the card number.

utterance: That's fine.

utterance: OK, it's seven seven three four eight one zero zero six two eight five three two five eight.

utterance: So it's seven seven three four eight one zero zero six two eight five three two five eight.

utterance: Yes.

utterance: OK, let me look there and the it looks like you wanted the balance?

utterance: no the.

utterance: Oh, the open available credit?

utterance: Yeah, the available credit limit.

utterance: it looks like twenty-six thousand seven hundred and thirty-two dollars and sixty-five cents.

utterance: OK, great.

utterance: All right, is there anything else I can do for you today?

utterance: No. Excuse me I've got a cold coming on I think and your been sick when you got that like phlegm kind of in the back of your throat and can't keep get it up?

utterance: Yes, I have sir. I hope you feel better.

utterance: Oh, yeah it's been been going for a couple days probably just get to the doctor and get it over with.

utterance: Probably need to get that checked out. Well I'm sorry that you're sick. It's the weekend comes up but you have a great weekend and feel better.

utterance: OK, sorry.

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

utterance: no, no I don't think so.

utterance: All right, Mr. Hoffman you feel better today, OK?

utterance: OK, well thank you.

utterance: Thank you, bye bye.

utterance: Bye.


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

utterance: Yeah. Would you be able to tell me the quick liquidity ratio for my business? We're trying to hold an event and the forms for the insurance ask a lot about it. So I think I need to get that information.

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

utterance: It's Jill Baker.

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

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

utterance: OK, Jill. So you're wanting me to run the metrics to determine your quick liquidity ratio for your business. Is that correct?

utterance: Yeah. So just out of curiosity can you tell me exactly what the quick liquidity ratio measures and then what insurance companies use it for?

utterance: Yeah. So the quick liquidity ratio measures the companies ability to meet it's short term obligations. So basically we calculate that by dividing the value of the companies assets by the value of the current liabilities. insurance companies use the ratio to determine a companies ability to cover liabilities with relatively liquid assets. So if an insurer has a high quick liquidity ratio. It might put it in a better position to make those payments than an insurer with say a lower ratio so that's what insurance companies use it for.

utterance: OK then. That makes sense. OK, I'm sorry go ahead.

utterance: OK, Jill. So did you have an account with Intellibank?

utterance: Yeah, I do.

utterance: All right Jill. What is your account number?

utterance: So my account number is three four six zero two nine nine eight and then my tax ID is two seven two seven one eight nine three seven.

utterance: OK Jill. I just need your account number for right now. 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, Jill. It looks like your account has a four digit pin number on it for security purposes. Could you also share that pin number with me as well?

utterance: Yeah. six four seven eight.

utterance: OK. Jill what time frame are you looking at for this report?

utterance: So can you like run it for like the last six months?

utterance: Yeah, I can. Let me just run these metrics for you. It's gonna take just a few minutes while I pull the info from your account were you also wanting a copy of this report emailed to you?

utterance: yeah, if you could do that.

utterance: Yeah, I can do that for you. Can you just confirm your email address Jill?

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

utterance: All right, Jill give me just on second. OK? I'm gonna get this ran for you OK. We're almost complete give me just a few more minutes. All right. OK Jill. So it looks like what I see for you for a quick liquidity ratio. Is a ratio of point five eight percent. so that's your ratio for the business for the last six months.

utterance: Does that tell you what a normal average is for that?

utterance: So the scale lists the normal average for QLR as one percent. So you're just a slightly lower than that average literally just by a matter of just just a few. just a few metrics points. I mean it's a. It's a pretty small percentage that you're. That you're below that. So you're you're pretty close to normal.

utterance: So does Intellibank track or report that anywhere?

utterance: No. Intellibank they do track the quick liquidity ratio for business customers but we don't report that anywhere unless requested by the customers. So we keep track of it just simply so if you call for instance like you did today than we can provide that to you. But as far as do we report it back to any third party agencies or any or any credit companies? No, it's not something that we report. most other institutes like your credit card companies. Any other loan company that they might have, mortgage companies. Those kind of places also keep track of your quick liquidity ratio. So most places maintain their own for that. but no. We don't provide it to anyone unless asked by our customers. It's simply there for your guys's benefit.

utterance: OK. Do you happen to know how I'd make that better? Like what do I need to do to improve that?

utterance: Yeah. So the mestric the metrics I'm sorry. Is based solely off the information obtained from your account history. so it's previously provided information on your financial accounts along with your credit report those kinds of things. But you can improve that by just paying down any business you that you might have. you know instead of using a credit card use cash if you're able to instead of applying for a loan to pay for something. See what what assets you can liquidate in order to pay for that. So there's a lot of options there to kind of try to keep your you know to keep your QLR a little bit higher. or closer to that average.

utterance: OK, thank you.

utterance: Jill did I? Did I? Let me get all this emailed over again to you too. I I've got most of it sent over there. Give me just a second, OK?

utterance: OK. Are you in Missouri?

utterance: Yeah. I'm in Missouri as well.

utterance: So what do you think about all the weather we've been having recently? Like rain snow and.

utterance: Yeah, it's it's been a very dreary very wet last couple of weeks but I think it's supposed to supposed to start kind of drying up and things are supposed to be getting better. So hopefully the weather starts to improve and we don't get hit with another cold front.

utterance: Yeah, I was like freezing yesterday. But I think the rain's probably been the worst part for me. Cuz we work outside some for my job.

utterance: Yeah. I can imagine how I mean being cold is one thing. But being wet and cold is a totally different thing. So I can imagine how awful that would be. Jill I did get that email sent to you. Was there anything else that I could do to help you today?

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

utterance: No problem Jill. So I've got that sent in and all set-up for you. if you have any other questions or need anything from use just let us know. But thank you for calling Intellibank and we value you as a customer.

utterance: Thank you.


utterance: Thank you for calling Intellibank how can I help you sir?

utterance: Yes ma'am how are you doing today?

utterance: I am doing great it's a great day here how can I help you?

utterance: yeah I need to update my street address on all my both my accounts.

utterance: OK sir we can totally help you with that no problem.

utterance: I'm going to have to ask you some questions to verify your identity.

utterance: Not a problem please do.

utterance: OK I need your full name.

utterance: It's Marvin H Murphy.

utterance: OK thank you for that and I need your date of birth.

utterance: Eight ten nineteen seventy-three.

utterance: OK and could I have a PIN number for your account?

utterance: Five six eight three nine two.

utterance: OK thank you for that and I need to verify the security question on your account it says here favorite pet?

utterance: Favorite pet?

utterance: Yes sir.

utterance: So I think wait a minute I got it written down I I make sure it's the right I got the right one.

utterance: OK sir sure.

utterance: Harvey it's got to be Harvey.

utterance: Yes sir that's that's the right answer.

utterance: OK and you said you wanted to update your address?

utterance: Yes.

utterance: OK and let's see I'm gonna need also your email address.

utterance: Email address OK, Marvinmurphy at Gmail dot com.

utterance: My social is two eight one three two seven one two three. My drivers license is West Virginia, five eight three two nine six. My old address oh wait you all need a second won't you?

utterance: yes sir you can go ahead and and give me your your address please, the one you have current.

utterance: OK all right my my my the one that you have is three Peach Tree Lane Orveston, West Virginia two. Wait a minute it's it's thirty-three Peach Tree Lane Orveston, West Virginia two five one eight eight.

utterance: Yes sir thank you for that. And we are updating that for you today correct?

utterance: Yeah yeah I I moved and I don't want to be ordering something and have the wrong address cause a lot of times it will it won't take it if you have a different address in your in your billing and your shipping and all that stuff.

utterance: So I got to make sure I got that all squared away.

utterance: OK sir no problem and what would you like to change that address to?

utterance: The new address is ten Orchard Manor Road.

utterance: OK.

utterance: Beckley, West Virginia.

utterance: And the ZIP code?

utterance: two eight one one two.

utterance: OK thank you very much for that and would you like to create a PIN for that?

utterance: Yes ma'am.

utterance: Eight three three three one.

utterance: OK thank you so much for that.

utterance: And just give me one second here and I'll get it all updated.

utterance: OK there you go sir everything is in check here. We updated your new address on your account so it is immediate and you have that right now that you can watch your email we'll send you a verification on that.

utterance: OK could you also put that same address in my savings account en en ending in one three eight two?

utterance: Yes sir we sure can I will update that also just one second.

utterance: Appreciate it.

utterance: No problem sir I have updated that address on your on your account on your savings account also.

utterance: OK and if you don't mind me asking what's my balance on my savings?

utterance: Actually your savings account has a balance of five hundred and eighty-seven dollars.

utterance: Woohoo big money.

utterance: OK, sir

utterance: Better than nothing.

utterance: I guess.

utterance: And would you be interested in learning about our online banking? Are you a part of that?

utterance: I yeah I've got all that stuff I've got the online app, I've got the one at home I mean we're pretty solid on that so I'm pre I'm pretty good on that.

utterance: I hear it's gonna be a really bad winter this year so make sure get it house winterized, get snow chains and everything ready cuz it's going to be a bad one. That's what the farmers almanac's being saying and I believe everything they say that's they are damn right right every time.

utterance: Yes sir I I have heard that also and you know the area that we live in the mountains it can be pretty treacherous getting to work.

utterance: Especially up on that mountain on route sixty going up to Hawks Nest.

utterance: Yes sir.

utterance: Yes sir and we do have some different loan options if you are interested in anything like that?

utterance: has anybody ever told you about our loans?

utterance: Yes we're pretty good right now we've had a rough year right now so we're not really ready to do that at the moment till till business picks up so hopefully it does.

utterance: OK, sir.

utterance: OK.

utterance: OK sir, sure is there anything else I can help you with today?

utterance: No, I guess that's it. I thank you guys. You guys have been great great to us. So we appreciate all you done.

utterance: OK.

utterance: OK thank you sir for being a valued customer of Intellibank and you have a good day.

utterance: You too ma'am.

utterance: Thank you.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. How are you? May I. How may I. Can I help you today?

utterance: Hello my name is Danny Williams and I was calling in regards to paying off my credit card.

utterance: Great I can help you with that can I get the card number that you're calling in about?

utterance: yes eleven thirty-three thirty-four forty-five fifteen sixty-one seven one two.

utterance: Great and can I get your name and date of birth?

utterance: Yep you said name again?

utterance: yeah I've just OK yeah sorry reach out the first time.

utterance: Oh. Yeah. It's all good. Yeah.

utterance: name is Danny Williams and my birthday is November ninth. Nineteen ninety-one.

utterance: Great and just to verify your identity, can you tell me your mother's maiden name?

utterance: my mother's maiden name is Oaker.

utterance: Oaker?

utterance: Yes.

utterance: OK do you mind if I put you on hold for a sec?

utterance: Oh no problem no problem. Wait this is. This is Riverside Capital bank?

utterance: no sir, this is Intellibank.

utterance: Oh my right. My bad my bad. Oh OK. And so thank you for the correction.

utterance: Sure let me put you on hold for just one moment bring up your account.

utterance: OK cool.

utterance: I'll be right back.

utterance: Hi, thanks for holding.

utterance: Oh no problem any time.

utterance: So.

utterance: I'm looking at your account. Your balance due is two hundred sixty-eight dollars and fifteen cents. Would you like to make a full payment today or a partial payment?

utterance: I would like to do a partial if that's cool. You know what, no. No I don't need to do that cuz when I do that nothing ever gets paid right. You just prolong prolong prolong. So no we're not gonna do that. We're gonna get our credit fixed. We're gonna. We're gonna just be better. So what I'm gonna do. I'm gonna pay the whole thing off man. That's what I'm gonna do.

utterance: Excellent I can help you with that.

utterance: balance again?

utterance: It was two hundred sixteen dollars and fifteen cents.

utterance: Yes let's knock that out man. Let's be great.

utterance: Got it.

utterance: Great. Now what method of payment would you like to use? A checking account?

utterance: Yes I I would like to use the checking account. A matter of fact no I have another card actually. I will take that one.

utterance: OK.

utterance: Let me know when you're ready.

utterance: Go ahead.

utterance: OK cool. So it's four eighty-eight forty-two eighty-eight seventeen ninety-eight zero one fifty-nine twenty-two eighty-five.

utterance: Excellent and the expiration date?

utterance: that is zero two twenty-six.

utterance: And the three digit code on the back?

utterance: Two one three.

utterance: Excellent. OK so you're paying the full amount and that effect payment date will that be today?

utterance: Yep. That'll be today.

utterance: Excellent thank you.

utterance: You know it feels good just to be able to handle business and get things done you know.

utterance: It certainly does. . take care of all this. now you can set up a recurring payment if you like so that you don't need to remember to make a payment each month or you can just keep doing a .

utterance: Yes sir.

utterance: You know what?

utterance: Can you do that? Because let's just change our lives here. Let's be better.

utterance: OK sure.

utterance: So. Yeah.

utterance: Can you set up the auto pay don't have to worry about it.

utterance: Sure.

utterance: Auto pay so it's still gonna be a one time charge for this month and then you'll just notice that the first of every month you will make an automatic payment of your balance.

utterance: OK.

utterance: OK so that's processed and is there anything else I can help you with?

utterance: No I think. I think you answered pretty much everything.

utterance: OK.

utterance: So don't get my banks mixed up that's one. so we have. We're paying full today and then we have autopilot coming up. .

utterance: Autopay.

utterance: Yes sir. Yes and of course you can if you wanna change that at any time or change the autopay amount you can go onto Intellibank dot com and you can adjust your payment options you can look at your transactions see your statements and get financial advice from our experts as well as loan options so is there anything else I can help you with today?

utterance: Yeah. See I don't I don't.

utterance: OK.

utterance: No you've been a blessing man. Thank you so much.

utterance: Excellent thank you. Thank for your business and I hope you have a great day.

utterance: Thank you.

utterance: Thank you. Oh there also is short customer service survey available. Follow this the by text. If you'd fill it out, it'd be a great help to me.

utterance: Yep I will.

utterance: Awesome thanks so much.


utterance: Hello dear, thank you very much for calling Intellibank my name is Lawrence, how may I be of assistance today?

utterance: Hi Lawrence, I need to get the balance on my business account I have, it's commercial account.

utterance: OK I can most definitely help you with that to get started I just need your first name, last name and date of birth please?

utterance: OK my name is Joan, J O A N Ellis E L L I S and my date of birth is five six seventy-eight.

utterance: Already just pulling that up J O A N E L L I S date of birth five six seventy-eight thank you. What is your account number for this commercial balance inquiry Ms. Ellis?

utterance: hold on. Let me look that up. ooh you know what, it's on my computer but the battery just died so I need to plug that in. Ooh, I forgot to plug it in. Have you ever done that? you're gonna have to wait a minute while the computer boots back up. Is that OK? Or should I call back?

utterance: Oh no! I can most certainly hold while you get everything up and running. yeah to answer your other question I have done the same thing myself. Sometimes I notice that I am plugged in up top but then at the call I'll Isn't plugged in. I will remain on the line right now put it on a brief hold, you just let me know when you are back up and running.

utterance: OK thanks yeah. Things have just been so busy over here, I haven't had time to think.

utterance: Well my mother always told me Ms. Ellis, a busy person is a productive person.

utterance: yeah tell me about it. OK almost there.

utterance: Technology be so frustrating sometimes. This is very slow.

utterance: Not a problem at all.

utterance: All right here we go. Let me just pull up my spread sheet with my business accounts. OK the number is four four three two four four four five two two. Oh no. Sorry sorry no. Not two two, two three. The last two digits are two three not two two.

utterance: And the pin is four five six seven.

utterance: All righty just to repeat that back, the account number is four four three two four four five two three and also thanks for your pin four five six seven and Ms. Ellis I just pulled it up and I am showing a commercial account balance of nine thousand nine hundred sixty-five dollars and thirty three cents.

utterance: OK OK all right let me just write that down here on my spreadsheet.

utterance: OK thanks. Actually now that I have you, I have these account numbers up. Can you check the balance of another account for me?

utterance: Oh yes I most certainly can. whenever you are ready what's that number?

utterance: OK That one OK it's gonna be four four five six three three two one three four and the pin is five six seven five.

utterance: All righty account number four four five six three three two one three four pin five six seven five commercial account Ms. Ellis I am actually showing a negative balance here, yeah yeah it over drafted and the balance is now negative ninety-nine dollars.

utterance: oops yeah I thought I might have used the wrong account but that once time I ugh mehn. Yeah I'm gonna need to move some money around in there but I'm gonna need to figure out the best place where in the the funds would be. Oh I'd have to call you back to get all that sorted out.

utterance: All right ain't not a problem Is there anything else I can help you with?

utterance: yeah actually I'd like to update my email address If I could.

utterance: Oh you most certainly can. What's that new address for you, I'll put write down here for you on the side notes.

utterance: OK it's gonna be ellissweets that's E L L I S S W E E T S at Gmail dot com.

utterance: All righty, great! I have updated that. Ms. Ellis just look for a confirmation email in in your inbox from Intellibank letting you know that we have updated your information and thank you for banking with us and hope I was of assistance today. We look forward to hearing back from you to get this negative balance sorted out. OK?

utterance: All right. Thanks so much for your help, you've been amazing.

utterance: All righty, no worries have a wonderful day bye bye now.

utterance: Bye bye.


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

utterance: Hi Jerry what is the what is ten thousand dollars to the pound?

utterance: certainly. I I assume you mean the exchange rates of the ten thousand US dollars into British pound?

utterance: That's correct.

utterance: All right. Yes. I'll be glad to assist you with that. Let me just first find out, do you have a business account with us?

utterance: Yes sir.

utterance: All right. And if I could ask who do I have the pleasure of speaking with today?

utterance: Benjamin Freeman.

utterance: All right. And Mr. Freeman what is the name of the business that you have on file?

utterance: Ray's Construction Company.

utterance: OK. Thank you for that Mr. Freeman of Ray's Construction Company. and I'm going to ask a few questions in order to verify your account because we do take your account security very seriously here at Intellibank. And it really is indeed for your and your business's protection. Is it all right if I ask you a few questions to verify your account?

utterance: Yes sir. Proceed.

utterance: All right. Thank you. And Mr. Freeman if I could ask what is your date of birth and phone number?

utterance: three twenty-six nineteen seventy. My phone number is seven seven zero, two two zero five eight five nine.

utterance: Thank you for that Mr. Freeman. And if I could ask what is your business address?

utterance: My business address is three six eight eight, Layman Court Smyrna Georgia. Three zero zero eight oh.

utterance: Terrific. And Mr. Freeman if I could ask, what is your business email address?

utterance: My business email address is b Freeman at Ray's Construction Company dot com.

utterance: And what is your account number with us?

utterance: OK. Let me get that for you hang on just a second.

utterance: Sure.

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

utterance: All right. And final question here for account verification purposes. What is the PIN number that you have for your account?

utterance: Oh that PIN number is one seven nine five.

utterance: Thank you for that Mr. Freeman. And I was able to verify your account and it appears that you do have a business a total checking account with us.

utterance: Yes sir. I do. Thank you.

utterance: And in order to of course see what the exchange rates are on that that it would translate ten thousand dollars into seven thousand four hundred and thirteen British pounds.

utterance: OK coz I was thinking about moving some to London and I didn't not sure when we'll do it. But it's just planning towards the future. just to see. If I want do business for these people. would do business with these people over there so Will my will my complete account.

utterance: yes yes. if you're speaking of you were looking to potentially transfer funds from your business total checking account of the ten thousand over to London. Is that what you're just.

utterance: Yes. That's what I was thinking of you know. Trying to play with my head see do I wanna do business with these people or not you know. but I'm not sure when I wanna do business . That's why I was checking. How was how was the money being transfer. How how does the money look from the dollar to the pound.

utterance: Absolutely. happy to assist you with that. And yes we can also assist you with those transfers as well. You can either do a wire transfer or an ACH transfer from your business total checking account over to whatever the account number you would you would just need to have the account as well as routing number. For the company. Over in London.

utterance: Oh OK. All right.

utterance: and of course just so that you're aware of the exchange rates do change daily and in some instances depending on the currency can actually change within the day as well so there is some volatility in the markets. However with the pound that's a fairly stable currency so. you would likely just need to check daily as far as when you're ready to execute on that exchange.

utterance: Oh OK so it since it fluctuates is there a certain time I need to call to navigate a better rate or just just check daily like you said?

utterance: Well it was advisable. Just based off of the conversation we've had here. Is to first contact whoever your supplier might be or customer might be.

utterance: Right.

utterance: And find out what the exact amount is they need. And then from there we can potentially coordinate what that would be as far as timing wise. But generally speaking particularly for the pound, daily is enough.

utterance: Oh OK. That sounds good. Thank you.

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

utterance: Oh that'll be all. I appreciate this. A lot of information. Thank you very much.

utterance: Well terrific Mr. Freeman. We certainly appreciate you giving us a call today and we appreciate the business.

utterance: Oh thank you.

utterance: Have a great day.

utterance: You too. Bye bye.


utterance: Thank you for calling Intellibank. This is Natalie how can I help you?

utterance: Hey Natalie, how are you?

utterance: I'm doing really well, how about yourself?

utterance: I'm doing good. I'm doing really good. I'm actually a small business owner here in Nashville. I have a little a clothing boutique, and yeah I'm trying to you know, I'm I'm still I mean I'm sure some people might consider me still a baby, even though I'm in my thirties but I have you know I'm really trying to get the grasp more and more on the financials, and you know, the business end of the business. The the the the the dollars and cents, the money, the numbers, and stuff like that. I wanted to see if I could maybe you can help me get this number, or point me in a direction of what best way to get it. But I was looking to get the consumer price index number for the clothing.

utterance: Great.

utterance: Sure. industry right now for like this the final quarter of this year.

utterance: OK, absolutely I can help you with that.

utterance: What is your first name?

utterance: my name is Barry.

utterance: OK, and last? I'm sorry, go ahead.

utterance: Becker.

utterance: Becker.

utterance: B E C K E R.

utterance: OK, Mr. Becker, and what is your date of birth?

utterance: March twenty-first, nineteen eighty-five.

utterance: OK, and what is your account number with us?

utterance: lemme find that.

utterance: Take your time, I'm here whenever your ready.

utterance: OK, the account number is, zero,

utterance: Mhm.

utterance: Eight,

utterance: OK.

utterance: Eight, six, one one seven zero nine.

utterance: OK. So that's zero eight eight six, one one seven zero nine.

utterance: Correct.

utterance: OK. All right, so let's see. I'm gonna look this up for you, so you want OK. OK so that, for that category, will be ten percent.

utterance: Oh OK, OK well that was quick.

utterance: Yeah and actually, I can help you if you'd like you don't even need to call us. You can go online real quick, there's a really awesome website that we use, that you can use as well. It's free and they also have like really cool tips, for small business owners and it's a great website. And like I said it's so convenient for you. You can go on twenty-four hours, look up anything that you need to look up would you like that that website?

utterance: Oh OK.

utterance: Yeah please.

utterance: It's just simply B L S dot gov.

utterance: OK.

utterance: Oh OK.

utterance: B L S dot com. Gov. And while I have you on the phone, do you ever take advantage of any of our Intellibank business credit cards? We have one that we're featuring this month, the platinum Intellibank business card. And we're offering on that one for the first time ever, five percent cash back when you use the card for anything.

utterance: Wow.

utterance: And we also have deals with restaurants and mobile, like T Mobile, AT and T to get money off of your business bills. We really are trying to help small business owners stay in business especially you know, what's gone on over the past couple of years.

utterance: Right.

utterance: And we just really want you to stay afloat, not only stay afloat but thrive. So would you be interested in me sending you over some information about the platinum?

utterance: yeah please. That. That sounds like a tremendous deal?

utterance: OK.

utterance: OK what is your email?

utterance: the email is Barry Becker eighty-five at Gmail dot com.

utterance: OK and is the B capitalized?

utterance: Yes.

utterance: All right. And I'm gonna send that to you, and then also I would suggest that you do online banking, because there's also lots of rewards and perks for signing up for the online banking. And then also you can do everything yourself twenty-four hours a day. You can transfer funds, you can you know have your bills, have recurring bills paid through that, it's just so much easier and so convenient for you.

utterance: So do I just go on to the website? What's the what's the best way to do that?

utterance: Well.

utterance: I can go ahead and send you a link, to get you started, and it'll prompt you, there's like three different steps that you have to take. It's really really easy and simple. I think you, you know you can do it yourself in a matter of a few minutes, but if you do have questions you know you can always call back we are happy to walk you through it, but is that something maybe that you'd wanna look into the online banking with Intellibank?

utterance: OK.

utterance: OK.

utterance: Yeah for sure.

utterance: Absolutely.

utterance: All right, I'm gonna send that over too as well. And if I may ask if if you can is there a way for you to check to see if I, if you received those two links from me? Because earlier this morning a few customers were having trouble receiving my the links that I was sending. Because my computer was kinda, like the system was kinda glitching. So is there a way to see if you received those?

utterance: Yeah let me let me real quick when I'm at my I'm at my desk, let me pull let me pull my mail up real quick.

utterance: OK.

utterance: Let me refresh here.

utterance: OK.

utterance: Yeah. I both of them came through. I had a look.

utterance: OK.

utterance: All right perfect, I'm so glad. All right Mr. Becker, is there anything else I can help you with today?

utterance: that's everything, yeah that's everything.

utterance: All right, well thank you so much for choosing Intellibank, we really appreciate you.

utterance: Thank you.

utterance: Bye bye.


utterance: Hello and thank you for calling the Intellibank. This is Jonah. How may I be of service today?

utterance: Hi Jonah. yeah I just need to make some changes to my account.

utterance: OK.

utterance: What. What kind of changes would you like to make?

utterance: not. I can't I'm not really sure how to describe it. I I went to they bumped me to you because they were saying you'd be able to help. I'm kind of take on this last bit of information that I don't have. They said it was like I guess like a four digit number or something to kind of lock?

utterance: OK.

utterance: Your PIN number?

utterance: Your PIN number is the only four digit number that we require.

utterance: then I yes I suppose it's my yeah it's the pin.

utterance: OK. what kinda questions did you have about your pin today?

utterance: I guess mainly like what can I change with it?

utterance: Well we can change your pin. We can give you a new pin as long as you have your old pin available.

utterance: OK.

utterance: Is that something you may be able to find today?

utterance: hold on. let me let me look through the house is a mess. Let me look around.

utterance: Yeah no problem, take your time. That's what we're here for. We'll we'll get this figured out and get your PIN changed as soon as we can.

utterance: OK, yeah, found it. This this yeah this should be it.

utterance: OK it's a four digit number?

utterance: Yes.

utterance: Great. So first off, I'm gonna need you first and last name as it appears on the account.

utterance: OK Charles Rubens.

utterance: All right Mr. Rubens, and I'm gonna need your date of birth.

utterance: February third nineteen ninety-two.

utterance: Great, and I'm gonna need your account number and your accounts pin.

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

utterance: And what was the pin?

utterance: six seven five four. I guess also try Two six one three. It might be one or the other.

utterance: OK. All right it was the two six one three number. that's gonna be important because you're gonna need that for changing your PIN here in just a moment.

utterance: OK.

utterance: now before we actually go forward with changing your PIN I'm gonna need to ask you a couple of security questions.

utterance: Mhm.

utterance: starting off with what was your first pet's name?

utterance: Bill.

utterance: All right, and what was the street that you grew up on?

utterance: Cherry Tree Lane.

utterance: Great. And what was your mother's maiden name?

utterance: James.

utterance: All right, that all checks out. I'm showing here actually hold on one moment as this loads.

utterance: OK. Do you guys still offer the what is it the intelligent smart I you know, it's one of those words right for like what is it

utterance: Our savings account?

utterance: Yes yes.

utterance: It's the Intellibank Smart savings account and we do offer that if you would be interested. I I see here that you currently only have our business checking account. once we get your pin squared away is the Intellibank Smart saving account something you'd be interested in opening today?

utterance: I might I just a little more information would be would be excellent and then we'll see if that's something I'll I'll pursue.

utterance: OK let's get that pin squared away. So what I'mma need yeah to do is pick up your phone and enter into the phone that old pin that you just told me. Great. Now without telling me enter in your new PIN. And I'm gonna need you to re-enter that pin. And you are all set. Your new PIN automatically has gone into effect. Would you like to hear more info on that Intellibank Smart Savings account?

utterance: yeah that would be great something to get take away with. Yeah.

utterance: Well our interest rates are compatible with other companies. You can easily move money from your checking into your savings with no service fees. you can access both your savings and checking account via our website or our app. should we start the savings account opening process?

utterance: not not not right now. I think what ever I would be moving wouldn't be enough to like feel comfortable taking out the other account at the moment.

utterance: OK.

utterance: Well we are available twenty-four hours a day by phone or online so if you would like to open up our Smart Savings account at some point just contact us and we can start that process. is there anything else I can help you with today?

utterance: no, that's everything.

utterance: Great, thank you very much. Thank you for calling Intellibank, have a nice day.

utterance: Bye.