utterance: Hello thank you for calling Intellibank.

utterance: Hi.

utterance: My name is Patrick may I help you?

utterance: Hi Patrick yes can I I do need help.

utterance: OK.

utterance: Oh yeah?

utterance: Yep can I get your last name please?

utterance: Peterson.

utterance: OK great. and that's P E T E R S O N?

utterance: Yes.

utterance: OK and what's your first name?

utterance: Louise.

utterance: Can you please spell that?

utterance: L O U I S E.

utterance: OK thank you.

utterance: Mhm.

utterance: Can I get your PIN number please?

utterance: Four three three two.

utterance: Perfect just one more security question for your own safety is can I get your birthday?

utterance: May twenty-second nineteen seventy-one.

utterance: OK thank you Louise.

utterance: You're welcome.

utterance: How can we help you today?

utterance: I just wanna make a simple wire transfer.

utterance: OK perfect. Is it going to be a domestic or international wire transfer?

utterance: Domestic.

utterance: OK great. That There'll be a thirty-five dollar charge for a domestic wire transfer just as a it's the policy. There's nothing we can do about it. It's just the the fee that the company charges so.

utterance: Is it

utterance: The type of account that I have?

utterance: Excuse me?

utterance: Well how how would I have a free wire transfer?

utterance: Unfortunately I've never heard of a free wire transfer. It's just it always has a fee.

utterance: Oh OK.

utterance: guessing that at some point in the future technology will improve and the one day it will be free but at the moment there's still that thirty-five dollar charge every time.

utterance: Mhm.

utterance: What if I do it online?

utterance: It still will be.

utterance: Thirty-five?

utterance: Yes.

utterance: OK good to know.

utterance: Any time it's a wire transfer.

utterance: Any wire transfer?

utterance: Yes.

utterance: Is a thirty-five dollar fee?

utterance: If it's domestic. If it's international it's one hundred and twenty-five.

utterance: Oh OK.

utterance: OK?

utterance: Thank you.

utterance: No problem.

utterance: What's your name again?

utterance: My name is Patrick.

utterance: OK thank you Patrick.

utterance: No problem. I What I'm gonna need from you is need to know which account you would like to take the money from for the wire transfer?

utterance: From my savings account.

utterance: OK. Let me take a look at that? All right and how much money were you looking to transfer?

utterance: Forty-five hundred dollars.

utterance: OK excellent now do you know which bank you're going to make the transfer to?

utterance: No.

utterance: I mean I. Yes of course I do.

utterance: I mean it's usually like you know you don't have to know the exact branch, but

utterance: OK.

utterance: That's what I thought you were asking.

utterance: No.

utterance: No. I mean The person you're sending the money to.

utterance: Mhm.

utterance: Wiring.

utterance: Yes.

utterance: Do you their financial institution. OK what's what is it?

utterance: Yes.

utterance: Chase.

utterance: OK great. So what I'm gonna need from you is the routing number and their account number.

utterance: So let's start with the routing number? Can you give me that?

utterance: I know four five five.

utterance: OK.

utterance: Six seven zero one one seven.

utterance: All right let's read that back. I have four five five six seven zero one one seven?

utterance: Yes.

utterance: OK great. Now can you please give me the account number?

utterance: Ten five three two six seven zero one seven four.

utterance: OK I'm going to read that back. Please let me know if this correct? One zero five two six seven zero one seven four?

utterance: Yes.

utterance: OK let me enter that in. All right. It looks like we are ready to send forty-five hundred dollars. Is that right? Correct?

utterance: Mhm.

utterance: That's perfect. Yes.

utterance: Four thousand

utterance: Five hundred?

utterance: Mhm.

utterance: From your savings.

utterance: Mhm.

utterance: All right so There we go. It is now out of your account. I think it'll it usually takes a couple hours but you might wanna check on their end to see when it arrives cuz it's now in their hands.

utterance: OK.

utterance: Mhm.

utterance: OK.

utterance: All right?

utterance: Mhm.

utterance: Well there you have it. Is there anything else I can help you with?

utterance: No. Thank you bye.

utterance: OK.

utterance: Thank you, by~


speaker_role: Agent

utterance: Good afternoon. Thank you for calling the Intellibank Call Center. My name is Rick. What can I help you with today?

speaker_role: Customer

utterance: Hey Rick. I was hoping to make a a stock purchase today.

utterance: A stock purchase. Absolutely. We can do a stock market order for you by phone. I can get that going for you right away if you just wanna jump right in.

utterance: Mhm.

utterance: Yeah, yeah. That'd be great. You know, I tried to purchase one from another company. It didn't go that well, but I had a lot going on at at home and I think I may have forgotten to place it. do whatever. Some something like that. anyway yeah, let's go ahead and proceed if we can do that with a purchase.

utterance: Yes, yes. I. Yes, absolutely. I can do that for you. So let me first just take down some personal info so I can get into your account. With us here at Intellibank. Your first and last.

utterance: You know what? I'm sorry.

utterance: Lemme ask you. You guys sell. it's. I can make a stock purchase, right?

utterance: Yes.

utterance: What about what about loans? Can do you guys do any type of loans or.

utterance: We have a number of different loans. We have some investment loans going on right now. We have the term loan, the secured loan. In addition, we also have real estate loans, the SBA BA seven A small business loan and the SBA five oh four.

utterance: OK. So do you?

utterance: Guys. But you guys don't sell insurance though it's just loans and

utterance: No.

utterance: No insurance. we don't work with any companies either in terms of partnership but all that loan information you can find online at Intellibank dot com or through the mobile app. If you click on the loan section, it'll be a bar in the upper right-hand corner once you log into your account. You'll see the details of each loan and the percentages they offer. Of course, we can't guarantee any sort of limit or approved amount for the loans. You can just kinda make requests online or give us a call and those loans would later be processed approved or denied for your requested limit or a different amount at a later date by one of our loan specialists.

utterance: All right. Yeah, that sounds that sounds OK. I've had some bad experiences with companies that seem to provide, you know, every service under the sun as opposed to specializing in one or two. That happened when I was, you know, refinancing my mortgage and anyway I made a bad decision. Anyway sorry about the little sidetrack there. let's go back to making that stock order if that's all right.

utterance: Yes. Let me get that going for you. So, your first and last name?

utterance: Ron Johnson.

utterance: Ron Johnson. Your date of birth?

utterance: September nine nineteen eighty-five.

utterance: September nine, nineteen eighty-five. And your four to eight digit person PIN number?

utterance: Seven two two seven two.

utterance: And your account number? That would be six to ten digits.

utterance: Yeah, I got that here. That is four seven nine five three eight two.

utterance: That is correct. So now I will need to know which stock you are looking to purchase today. Now, you can provide that stock symbol for me or if you can't quite find it I can look it up for you. You know the stock.

utterance: Yeah.

utterance: Yeah, the stock symbol. It's it's C G C.

utterance: CGC. Yes, that is the Canopy Growth Company. I do have that online here. That's current selling for the shares of eleven ninety-three a share. That's eleven dollars ninety-three cents a share. How many shares would you like to purchase today?

utterance: We wanted to go with with three hundred.

utterance: Three hundred shares even?

utterance: Yes.

utterance: All right. So three hundred shares even at eleven ninety-three using our online calculating system here is. That'll be three thousand five hundred and seventy-nine dollars even.

utterance: OK.

utterance: would you like to confirm that order with me by phone?

utterance: yeah. I I do confirm.

utterance: OK. So let me just process that through quickly for you. You will soon be, once this says it has updated. sorry. Our systems are a little slow today.

utterance: Mkay.

utterance: OK. There it is. Yes, you are now officially the owner of three hundred shares of CGC at the purchase price current stock market order at three thousand five hundred and seventy-nine dollars. Is there anything else I can help you with today?

utterance: no, I think that's. I'll get some type of confirmation, right?

utterance: Confirmation will be sent by email and also I see on your account you do have text alerts so you will receive a text of that as well if you have not already. Maybe make sure you're logged into a Wi-Fi and it might come a little sooner. And I also wanna remind you, cuz you asked earlier, that that loan information is online at Intellibank dot com or through the Intellibank banking app. So thank you for calling today and making a stock market order with us and I hope I provide you with excellent service.

utterance: All right, thank you. Have a good one.

utterance: Thank you. Bye bye.


utterance: Good afternoon, thank you for calling Intellibank. My name is Lori, and I am happy to assist you on this call today.

utterance: hi, I was just calling to apply for a term loan and I got disconnected.

utterance: Oh I'm so sorry to hear that.

utterance: It's OK.

utterance: let me see if I can pull up the information, if it's been saved. What is your name?

utterance: my name is Tina Michaels.

utterance: Tina Michaels, T I N A, M I C H E L S?

utterance: Uh-huh.

utterance: Correct.

utterance: And what is the four digit PIN number associated with any of your accounts?

utterance: seven two nine eight.

utterance: All right. Let me see if I can pull that up.

utterance: Tina, I apologize, it does not look like it's been saved. However, I do see your phone number in the screen if for any reason we're disconnected, I myself will call you back.

utterance: OK. Thank you.

utterance: All right, not a problem. Let's try and expedite this call for you.

utterance: you're applying for a term loan, and the Tina Michaels that's the name that you want to use for this application?

utterance: Yes, please.

utterance: Thank you so much. And may I ask for your mailing, excuse me, your home address?

utterance: my home address is twenty-one thirty-two, Shoup Avenue West Hills California, nine one three oh four.

utterance: Thank you. Is there an unit number or an apartment number?

utterance: no.

utterance: Thank you so much. And what is your social security number?

utterance: Six one two three nine four five six seven.

utterance: Thank you.

utterance: Tina, your driver license number and the state it was issued from.

utterance: California, and that's A seven six one three four nine.

utterance: Three four nine? Great. Thank you.

utterance: Mhm.

utterance: And I have your PIN number again it's seven two nine eight, I'll just put that in.

utterance: Mhm.

utterance: And your email address?

utterance: Email address is T Michaels at EarthLink dot net.

utterance: Thank you. Is T Michaels all one word or is there a period between the T and the Michaels?

utterance: all one word.

utterance: Thank you so much.

utterance: And, Tina, are you the sole owner of your business?

utterance: I am.

utterance: Thank you. And the approximate month and the year that you established your business?

utterance: March two thousand thirteen.

utterance: March two thousand thirteen?

utterance: Uh-huh.

utterance: OK. Thank you.

utterance: All right, and the gross annual sales for last year, two thousand twenty?

utterance: Last year was seventy grand.

utterance: Seventy thousand dollars?

utterance: Uh-huh.

utterance: Thank you so much.

utterance: And, your tax ID number.

utterance: Tax ID number is twenty-two, one seven, six nine three.

utterance: Six nine? Three, thank you so much.

utterance: Three.

utterance: And your business street address?

utterance: Business street address is five seven three four Cohasset C O H A S S E T, Drive. Woodland Hills California, nine one three oh four.

utterance: Thank you so much. And the mailing address, is that the same as your business address?

utterance: yes it is.

utterance: Thank you so much. All right, and Tina, what is the amount that you would like to apply for the credit?

utterance: I'm sorry, let me rephrase that. What is your the credit limit that you desire?

utterance: twenty thousand.

utterance: Twenty thousand dollars. Thank you.

utterance: And, lastly, the purpose of your loan?

utterance: I'm purchasing another insurance. I'm an insurance agent. I'm purchasing another agency.

utterance: I see. So, would this be a separate business or an expansion of your business?

utterance: Expansion.

utterance: All right.

utterance: And would this also include payroll?

utterance: no.

utterance: OK. Well I'm just uploading all the correct information.

utterance: All right.

utterance: This application was successfully completed. Im glad we were able to maximize your time.

utterance: Did want to advise you that I just sent you link to your email.

utterance: if you may be so kind as to upload a copy of your driver's license and a copy of your tax ID number, upload that into the system. That will actually be the completion of the application. After you've done that, it will take seven to ten business days to get the results, to see if you have been approved. And please, be advised that interest rates and fees are based on a customers credit as well as, credit history, as well as FCC rules and regulations.

utterance: That completes your application. Is there anything else I may assist you with today?

utterance: No thank you!

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

utterance: Thank you bye.

utterance: Bye.


utterance: Thank you for calling Intellibank thank you for calling Intellibank. My name is Terrance how may I help you?

utterance: This is Intelligent Bank?

utterance: Sorry sir it's Intellibank.

utterance: Oh gotcha gotcha gotcha actually that was my fault I I thought it was Intelligent Bank this is no I need Intellibank.

utterance: Yes.

utterance: So this is correct?

utterance: Yes this is correct this is Intellibank.

utterance: Whew OK great sorry if I'm a little flustered I am in the middle of a bit of an emergency here. I need to cancel a check.

utterance: OK.

utterance: OK absolutely we'll be happy to help you sir. If you could provide your information we'll look at your account anything you need. we'll start with your last name sir.

utterance: My last name is Jones.

utterance: OK excellent and your first name as it appears on our account?

utterance: David.

utterance: David excellent thank you Mister Jones if you just give me a PIN number for your account?

utterance: Oh sure the PIN is one five eight three.

utterance: OK that is wrong actually I'm sorry.

utterance: No worries.

utterance: That is a PIN for a different account let me correct that.

utterance: OK.

utterance: It is one five eight four.

utterance: OK let me try that.

utterance: Sorry about that.

utterance: No worries it is all right yes that's correct I just have one more security question for you. And then we can get to the issue just your date of birth please.

utterance: Oh sure that is five fifteen eighty-three.

utterance: Excellent all right thank you Mister Jones what can I help you with today?

utterance: Need to cancel a cheque immediately.

utterance: OK do you have the check number?

utterance: I do.

utterance: OK what is that?

utterance: it is seven five six nine three four.

utterance: OK great. Do you have the amount I don't see it here.

utterance: Yeah the amount is ten thousand dollars.

utterance: OK ten thousand dollars excellent it doesn't look like this cheque is going through according to your account.

utterance: Yeah that was my fear that's good, that's good, that's good. We can not let this cheque go through.

utterance: OK I can with your permission.

utterance: Please.

utterance: Seven five six nine three four. Is that correct?

utterance: Yes.

utterance: That is correct.

utterance: OK.

utterance: I bought tennis shoes off of Craigslist and to cut this guy a cheque and they're fake. And I have to make sure this guy does not get paid.

utterance: OK great and obviously he did not send the shoes yet.

utterance: Oh no I got the shoes I'm holding them right here we met up he wrote me a cheque he gave me the shoes the shoes are fake.

utterance: They're fake shoes.

utterance: They're fake shoes this guy sold me counterfeit shoes.

utterance: Uh huh.

utterance: So we gotta stop this cheque.

utterance: OK sir we will do that.

utterance: Have you been able to contact this individual to let him know that you're going to be canceling the cheque?

utterance: No I mean I I I text him I I I tried calling I said these are counterfeit don't cash that cheque but I haven't heard back from him I'm assuming he's on his way to the bank right now.

utterance: OK.

utterance: I think I'm at this point I think he thinks he got away with it.

utterance: OK well the good thing is that he has not yet deposited it.

utterance: great.

utterance: But also please bear in mind that when he does try to deposit it that it will not go through and he will know that right away so he will either want to talk to you about getting his shoes back or he might just disappear if there.

utterance: I mean. That's totally fine I I the next call I'm gonna make after this is to the police so I don't think he's gonna be coming back over here.

utterance: OK. That's that's great so we will cancel this cheque. Do you understand that they're might be a fee? Down the road if he tries to deposit this because he will not go through and so it will bounce.

utterance: That is totally fine as long as he doesn't get this money I don't care what it costs me.

utterance: OK excellent well if he does try to transfer it and you do get a fee please let us know because you did call us before and that's part of our you know cheque assurance program that you have through us so.

utterance: Now in the future if this happens again and I need to cancel a cheque do I have to call and wait through all the prompts or is this something I can do online?

utterance: Well sir unfortunately with these situations is that you know you either have to go into a branch or you have to talk to a representative it's not anything you can do online.

utterance: That is understandable.

utterance: OK but are there any other cheques that you need to cancel at this time?

utterance: No just that.

utterance: OK.

utterance: And it's done it's taken care of?

utterance: Absolutely sir this is the first cheque you've canceled in a long time, this isn't a common issue. If it does become more of an issue then we might have to like have a discussion about your the way you use cheques.

utterance: Great.

utterance: No no I can guarantee you that's not gonna happen.

utterance: Excellent so this is all taken care of I hope everything works out on your end. Sorry about the situation but please let us know if there is any other way we can help.

utterance: It is all right I mean unless you go and call the cops thank you so much.

utterance: Right good luck Mister Jones and thank you for calling us today and and we'll talk with you soon.

utterance: Thank you.

utterance: Bye.


utterance: Good afternoon, thank you for calling Intellibank. This call is being recorded for quality assurance purposes. My name is Daphne, and how may I assist you today?

utterance: Hey!

utterance: Hey Daphne, well, I'm looking to check a couple things. First off, I would like to check the exchange rate for both the peso and the euro, and I'd also look to see what my debt income ratio is if you're able to do both those things?

utterance: I sure can, that won't be a problem. just to start off, may I have your first and last name please?

utterance: Sure thing, it's Derek.

utterance: D E R R I C K?

utterance: No, it's just D E R E K.

utterance: OK, last name please?

utterance: Derek Michael.

utterance: Is that Michael or Michaels?

utterance: It's just Michael no S, sorry.

utterance: OK very good. No

utterance: That's OK. All right. I'm just gonna pull up your information. And may I please have the four digit pin number associated with your account?

utterance: Yeah, it is, I get that.

utterance: Two seven three four.

utterance: Two seven three four.

utterance: Yeah, and my phone number is eight one three.

utterance: Oh that's OK. I don't need, I don't need that, but thank you so much Michael. I'm just entering in your PIN. OK, the only thing I need to verify is your date of birth.

utterance: Two one four.

utterance: You don't?

utterance: OK.

utterance: Sure thing. Date of birth is July second, nineteen ninety-three.

utterance: OK, great. All right I am pulling up your accounts with us. I do see that you have our Intellibank business silver card. Of course, your business preferred checking, and I see that you have both the term loan and the SBA seven A loan.

utterance: Yes.

utterance: OK, great, so I'm just gonna be pulling up this information, so I can give you your debt-to-income ratio and then we'll look at the currency for you.

utterance: Fantastic.

utterance: Thank you, thank you.

utterance: Not a problem. If you don't mind me asking, are you planning on purchasing property or opening a new loan?

utterance: Well I was hoping to purchase some property actually.

utterance: OK. The only reason I'm asking is just to say that one of the things that I would suggest is to try and pay, a and I, I'm not accessing your information yet. just to make sure you're paying well above the minimum balance whenever possible and pay early. because those sorts of things are factored into your debt income ratio as well.

utterance: OK.

utterance: Gotcha, OK. That's something to keep in mind. Thank you.

utterance: Absolutely. OK, so I am looking here at the debt that you carry with us versus your payment. And ideally, you want to be twenty percent or under to be in the excellent category. Anything between twenty and twenty-five percent is in the good category. And it does look like your payments have been on time and early, and you are paying a good percentage over the minimum balance, so that actually is netting you at eighteen percent, so a really, really excellent debt to income ratio.

utterance: OK, that's good. That's good to hear.

utterance: And, and just to keep in mind, you can call us in, call in for this whenever you'd like, but you can also monitor this online as well, and I would advise you doing that as you're getting closer to your purchase date.

utterance: Fantastic.

utterance: OK, great. Eighty, OK, great, so the other thing I wanted to check about.

utterance: Was the exchange rate.

utterance: Yeah.

utterance: Exchange rate follow that, would be the peso and also the euro.

utterance: And.

utterance: Thank you, I just needed to verify that. OK, not a problem. And It's actually close of business day in those areas already, so for today, the peso is coming in at point eight zero, compared to the American dollar, and the euro, I'm sorry, you said euro?

utterance: Yeah.

utterance: OK where is my mind today? OK, so the euro is coming in at one point one zero five.

utterance: The euro, no problem.

utterance: OK.

utterance: Yeah, that's great to see it actually a little bit stronger. That's not, it doesn't happen all the time.

utterance: So.

utterance: A little bit stronger. I mean they're both.

utterance: Pretty solid overall.

utterance: Yeah, are you planning on doing some traveling soon?

utterance: Yeah, thinking so, I think it's just time for me to to see different parts of the world. I've never gone any where so.

utterance: So it's time to start exploring.

utterance: It's time you know, it's that time.

utterance: Well Derek, just so you know, again, when it comes to the rate exchange, that's actually available on our site as well. We could we can always do exchanges over the phone but you can do that online as well as in any local branch.

utterance: OK.

utterance: Well, I appreciate you giving me all that, that news you've given.

utterance: Oh, I'm happy to do that. Derek, is there anything else that I can provide for you today?

utterance: All right.

utterance: Do you know what? I think that ought to do it. I appreciate all your help. Thank you so much.

utterance: My pleasure. Thank you for calling Intellibank, and I wish you a wonderful day.

utterance: OK, you too. Have a great one.

utterance: Thanks.


utterance: Thank you for calling Intellabank, where we are for the people and by the people. This is Jack Johnson, who do I have the pleasure of speaking with?

utterance: Hi, Jack. You're speaking to Russel Bleek, B L E E K.

utterance: Russel Bleek. All right, sir.

utterance: All right. how can I help you?

utterance: Well, so how's your day going, man?

utterance: man, it's going great. I can't complain.

utterance: OK.

utterance: Well, just, just kinda give you a little prep here, I'm recently divorced.

utterance: Oh, I'm sorry to hear that, Sir.

utterance: Well, love is an interesting concept. are you in a relationship?

utterance: No, sir. I'm not actually.

utterance: OK, well, good for you man. the grass is not greener on the other side, Dude. Not really, you know. man. Anyways, so, I'm calling for two things. I'm calling to set up an appointment with a risk specialist, and I also need a copy of my recent credit report.

utterance: OK, OK. .

utterance: And with.

utterance: With the risk specialist, I have a follow-up question.

utterance: All right.

utterance: my, my business I, I need, I need to speak with a risk specialist on setting up a strategy. I don't think our debt to income ratio is is pleasing, so yeah. I just need some help with a couple of things.

utterance: OK.

utterance: OK, great.

utterance: well before we get into that, let me get a couple of additional general information from you. And I can jot that down and put that, and put that in the report for the risk specialist, they can help you with that. OK, cool. again, Russel Bleek, correct?

utterance: Absolutely.

utterance: Yes, Sir.

utterance: All right. What is the street of your address?

utterance: two two nine.

utterance: Two two nine.

utterance: And what city is that in?

utterance: Sorry, the street address is two two nine, Bow, B O W road.

utterance: OK.

utterance: And the, the city is going to be San Francisco, California. Nine one five zero three.

utterance: All right.

utterance: OK, sir. And can I get the last four of your social?

utterance: Absolutely, it's seven one five five.

utterance: All right, Mr. Bleek. And last thing, may I get your drivers license number?

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

utterance: All right, I am ready. Two eight two. Nine four five. Three six. All right, sir.

utterance: Two eight two.

utterance: Nine four five.

utterance: Three six.

utterance: And you want to meet with them via phone, or would you like phone, in person?

utterance: I could, we could do phone.

utterance: OK, phone and what day are you looking at? We have available right now tomorrow morning at eight oh clock.

utterance: OK.

utterance: That's perfect.

utterance: Oh, OK. Eight, eight oh clock it is. OK. All right, so I'll put you down eight oh clock, a.m. tomorrow.

utterance: All right, that's a Tuesday. And I have one of our specialists, let me see who's available so you have a idea. OK, you're gonna be meeting James Brown.

utterance: OK.

utterance: OK, tomorrow at eight he should be giving you a call. may I get a number that you would like to use?

utterance: Absolutely.

utterance: I have eight one eight, five one five, two three three zero.

utterance: All right, eight one eight.

utterance: Five one five.

utterance: Two three three zero.

utterance: OK, sir. I will jot this down and put this in your notes and then now you want, you wanted to check about your credit report, correct?

utterance: I do. I need to get a recent copy of my credit report for my business account.

utterance: OK, a recent copy for your credit report. That is great.

utterance: so, I do have your first and last name, Russel Bleek.

utterance: also too, may I get the date of your birth.

utterance: Absolutely, I have zero six zero one, nineteen ninety.

utterance: All right.

utterance: All right, and also too, let me get your customer PIN, please.

utterance: Two four five five.

utterance: All right, and the last thing sir, as we ask all of our customers, would you have paper or paperless for the credit report to be delivered to you?

utterance: I would.

utterance: I would love to do we can do paperless. You could send it to the email on file.

utterance: OK, all right. So I will not send this to the mail.

utterance: I would email it to you. OK, and you, it looks like you have two emails here in the system.

utterance: Which one would you want? Do you want the Rocket Power at Gmail dot com, or do you want the Blockchain Bastard?

utterance: We could do rocket power.

utterance: OK, rocket power, yes sir. All right, let me jot that down. Rocket power, all right.

utterance: And one moment why I take this and send it to you, sir. Now, do you want any copies mailed to you as well, or just just all emailed to you?

utterance: Yeah, paperless completely is perfectly fine.

utterance: Come pa~

utterance: All right, sir. Let me get that for you.

utterance: And thank you so much, I appreciate it.

utterance: No problem.

utterance: All right. Well, I sent it to you. You should be getting it now. if anything you should have the confirmation as well. So, all right, and you have your meeting tomorrow at eight a.m. with James Brown.

utterance: Thanks so much.

utterance: Thank you.

utterance: Absolutely, thank you so much, you've been a great help, I really appreciate it an~

utterance: No problem. Thank you for choosing Intellibank, where we are for the people, by the people. Have a blessed one sir.

utterance: Thank you, you too.

utterance: Bye bye.


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

utterance: Hi Daisy. This is George. How is your day going?

utterance: My day is going super fantastic. How about yours George?

utterance: Same here. You know, just doing the same thing I do every day work work work.

utterance: I hear you. So how can I help you?

utterance: I need to get my heads on some money.

utterance: Alright, are you looking to do a withdrawal?

utterance: no, actually was looking to ask for some money.

utterance: Oh you'd like to apply for a loan?

utterance: yeah. But is there a kinda loan where you can allocate an amount of money and I can take up to that amount, but I don't have to take it all. I can just take what I need, repay what I need something like that?

utterance: Oh so like a set amount of money up to that you could ask for?

utterance: Yeah.

utterance: it sounds like what you're looking for is a line of credit.

utterance: Okay yeah, that sounds right.

utterance: So you'd like to apply for a line of credit?

utterance: Yes.

utterance: All right, I will happy to help you do that George. Lemme just pull open my application. What is your full name?

utterance: George I'm sorry go ahead.

utterance: I'm sorry. What is your full name and address?

utterance: It's George Emory. One fifty-three pine corn circle, Branson Missouri, five five three two four.

utterance: Thank you. What is your social security number?

utterance: It's four twenty one three eight four four eight one.

utterance: What is your phone number?

utterance: Six one two two two nine three nine zero nine. And just in case you need it, my email is G Emory Trades at Gmail dot com.

utterance: G E M O R Y T R A D E S?

utterance: That's right.

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

utterance: it's September twenty-first nineteen ninety-nine and that's what it says on my driver's license which is correct. But at the hospital when I was born they made a mistake on my birth certificate and wrote the twenty-second. I'm having it fixed right now but I just wanna make sure that's not a problem for you guys.

utterance: OK So your driver's license is valid?

utterance: Yes.

utterance: And what is the date of birth on your driver's license?

utterance: September twenty-first nineteen ninety-nine.

utterance: And that's the correct one.

utterance: Yes.

utterance: OK. All right. What's your driver's number please?

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

utterance: In in which state is that issued?

utterance: Missouri.

utterance: Thank you. What is your Intellibank pin number?

utterance: Sixteen sixty-two.

utterance: Thank you. What is the name of your business?

utterance: Emory data management.

utterance: Are you the sole owner?

utterance: Yes.

utterance: What is the business establishment date?

utterance: It's December eighteenth twenty nineteen.

utterance: And what are your gross annual sales?

utterance: Eight hundred and eighty-nine thousand dollars.

utterance: Thank you. What is your tax ID number?

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

utterance: And what is your business address?

utterance: One fifty three Pine Corn I'm sorry that's the wrong address. It's sixty-one Blue Bird Corn Branson Missouri five five three two four.

utterance: Thank you. And then where would like your mails sent, your home or your business address?

utterance: My business address sixty on Blue Bird Court.

utterance: Branson Missouri five five three two four?

utterance: That's right.

utterance: All right and what would you like the credit limit to be?

utterance: Thirty-five thousand dollars.

utterance: I see thirty-five thousand and then what is the purpose of this line up credit?

utterance: I like to upgrade some of my servers and equipment.

utterance: OK. All right, that completes the application process on my end shortly, you will receive an email requesting supporting business documentation It will outline what and where you may make and acquire it. And once you have submitted all that, then it will take up to three business days for you to receive a result of your application for this line of credit.

utterance: Ok, great.

utterance: Anything else I can help you with?

utterance: No, that will do it.

utterance: All right well thank you for choosing Intellibank and have a wonderful day.

utterance: Thanks you too Bye.

utterance: Bye.


utterance: Good afternoon, and thank you for calling Intellibank. My name is Blake. How can I help you?

utterance: Oh hey Blake. How's it going? This is Justin.

utterance: It goes well Justin. How are you doing today?

utterance: Oh, I'm, I'm OK.

utterance: Sounds good, so what, what's the reason for your call today?

utterance: well, my cousin was telling me about the consumer price index and I, you know, I had to act like I knew what I was talking about.

utterance: Hmm.

utterance: What is that again? That, look, I had to act like I knew what I was talking about but I didn't so if you could fill me in cuz we're having a big family barbeque this week and I wanna be able to.

utterance: Basically, the consumer price index is an index on consumer prices, which would include things such as food.

utterance: Uh-huh.

utterance: And it indexes the prices of those things over time. So, it's, it's usually during a time period? Say, like, as if for example, you'd be comparing how much a basket of fruit cost today?

utterance: What kind of fruit we talking?

utterance: just any kind of fruit, any, any goods, any, and you would compare that, that price with how much it will cost a month from now, or a month ago, and that'd be your Consumer Price Index.

utterance: Oh, OK. Does that?

utterance: Does that make sense?

utterance: Sounds like you're still a little confused.

utterance: Oh, I.

utterance: I Please, some more, I, I, I really don't.

utterance: I don't really know how to break it down any further than that because I'm not an expert on it myself. I just know the general, general definition, I could maybe see if I could transfer you to someone over that.

utterance: your cousin?

utterance: Can I bring my cousin on the line?

utterance: Yeah, let me see if he's around. Can you hold please?

utterance: sure.

utterance: Yeah, hello, are you still there?

utterance: Still here.

utterance: No, he's busy he said, so he's not gonna come to the phone.

utterance: Oh, OK, got it.

utterance: Well, anyway, we'll go.

utterance: Sorry, was that everything you needed?

utterance: Yeah, that's everything we needed, yeah.

utterance: would you like to know about any of our loans or credit card accounts or check your balance, anything like that?

utterance: Sorry, my cousin. .

utterance: yeah, you gonna go ahead and give me my balance?

utterance: All right.

utterance: I haven't used this bank in years. I, I don't even know why I called it .

utterance: Well, your balance is let's see, seventy-four thousand, three hundred and eighty-seven dollars and twenty-six cent.

utterance: Ooh. I didn't even know that was in there.

utterance: Really?

utterance: Interesting, that's my money?

utterance: well, you're the, you're the one that deposited it in there, so yeah I, I assume so.

utterance: Hmm, OK. All right, can you repeat that number to me?

utterance: Yes, seventy-four thousand, three hundred and eighty-seven dollars and twenty-six cents.

utterance: Oh wow.

utterance: OK, I'd like to I'd like to withdraw all of that please.

utterance: You'd like to withdraw?

utterance: Yeah I'd.

utterance: Like to have it all written out please.

utterance: Oh boy, you can't make a withdrawal over the phone. You'd have to come into one of our locations.

utterance: Oh, I see, OK.

utterance: Yeah.

utterance: Oh, OK. You do, where's where's the location?

utterance: one second, let me see, your address. OK, we're in Ohio.

utterance: Yeah, sure.

utterance: And this looks like our nearest location is about thirty miles away from where you are.

utterance: No, OK, All right, no, I can get all seventy-four grand out of it from there?

utterance: yes, if that's what you'd like to do, you can certainly do that, although I'd be, I'd I'd be sad to see you go.

utterance: Oh, well, but I'd just like to, I'll put the money right back. I just want my cousin to see it.

utterance: You just want your cousin to see it?

utterance: Yeah, I'm just gonna take it out to the barbecue and then I'll just put it right back in.

utterance: OK. well you'd have to go to the location if you wanna make a deposit, sir, is there anything else that I can do for you over the phone?

utterance: no, it's good thanks.

utterance: All right, well thank you so much for calling in Intellibank today and I hope I was able to help you as much as I could and enjoy the rest of your day.

utterance: You too, thanks.


utterance: Hello and thank you for calling Intellibank. My name is Ronite.

utterance: How may I provide you with outstanding customer service today?

utterance: Hi I need to close my savings account, please.

utterance: All right. You'd like to close your savings account?

utterance: Mhm.

utterance: I would be glad to assist you with that today.

utterance: Mhm.

utterance: And whom am I speaking to?

utterance: my name is Elaine Cohen.

utterance: All right. Elaine can you spell your last name for me?

utterance: C O H E N.

utterance: OK, very good. I'll go ahead and just get a couple of quick questions for you to answer so I can pull up your information.

utterance: But may I ask, Elaine, what is the reason you'd like to close your checking account? or excuse me, your savings. Is there something I can assist you with there?

utterance: I just found another bank that doesn't have any fees. to, for savings accounts, so I just decided to move it.

utterance: All right, I understand. with our savings account, if your balance does below, fall below five hundred dollars there is a service fee attached to it of twelve dollars.

utterance: Right.

utterance: I understand. All right, let me pull up your information. may I have your date of birth, please?

utterance: my date of birth is ten fifteen forty-three.

utterance: OK.

utterance: All right. And may I get your four digit pin number?

utterance: four five nine two.

utterance: Four five nine two? All right, one moment.

utterance: How's your day going today?

utterance: OK. I'm just tired. How's your day going?

utterance: Well, pretty good. I'm just starting here, so

utterance: Oh wow.

utterance: You have a long day.

utterance: Fortunately, there's coffee.

utterance: Where's your call center?

utterance: We're located in beautiful New York City.

utterance: Oh, that's nice. Do you like working there?

utterance: Love it.

utterance: That's cool.

utterance: Love it.

utterance: Great people.

utterance: Great

utterance: Customers.

utterance: Yeah.

utterance: Have you seen any theater lately?

utterance: You know I haven't been to the theater in a long time because well as you probably know everything's been shut down.

utterance: Right.

utterance: And everything is starting to come back but we have not felt comfortable yet venturing into a theater.

utterance: Oh yeah I can understand that.

utterance: But we would love to. We we used to go oh goodness about half a dozen times a year.

utterance: Mm.

utterance: All right, let me go back to what I was doing for you, Ms. Elaine. you'd like to close the savings account. Can you please provide me with the savings account number?

utterance: the savings account number is one zero one one five four three.

utterance: All right. And I see here that you do have another account with us, a checking account with us, our business total account.

utterance: Will we be transferring the savings to this account, or to an outside external account?

utterance: an outside external account. I need to give you that deposit routing number.

utterance: No problem. And is this a domestic or an international account?

utterance: A domestic.

utterance: All right. I'm ready for that routing number.

utterance: It's four five two three five seven one one.

utterance: OK. All right, so let me pull up the balance on the savings account.

utterance: All right, that current balance is three hundred twenty-nine dollars and four cents. And the routing number again is four five three five seven one one to a domestic account.

utterance: Mhm.

utterance: All right, one moment while I go ahead and process the transfer.

utterance: Mhm.

utterance: All right, thank you so much for holding, Ms. Elaine. the amount of three hundred twenty-nine dollars and four cents is being processed for a transfer to the routing number four five three five seven one one. please be aware that a transfer to a domestic account can take up to seven business days. However, I would recommend that you start checking the account within about three days. It usually appears pretty quickly, but it can take up to seven business days.

utterance: OK, and then I just have a quick question, is there another way to access my account besides calling it in? Can I do it online?

utterance: Absolutely. You have multiple options besides calling us, you can use the mobile app on your phone if you have that.

utterance: You can also access us online.

utterance: Got it. OK.

utterance: All right. Did you need any help using a mobile app, or using the website?

utterance: No. I'm, I'm good I've figure, I, I've figured all that out a long time ago. Thank you.

utterance: OK.

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

utterance: Nope. That's it. Thank you so much.

utterance: Have a

utterance: Great day, and thank you for calling Intellibank.

utterance: Thank you. Bye.

utterance: Bye.


utterance: Hi thank you for calling Intellibank. We are here to provide you with great customer service. My name is Jacob and I will be your customer service representative. How can I help you today?

utterance: Hi man I just I run a business and I have an account with you guys and I was just I need more money. I need a I want to hear about a what you guys can do to help me out here. I'm trying to expanding my business. Yeah I need more money man.

utterance: Well we can absolutely help you with that. we are a bank after all so money is our business.

utterance: Cool.

utterance: All right so to get started I'm going to open up your account and in order to do that I'm going to ask some personal information. This might be a bit tedious but let's start with your first name and last name.

utterance: OK name's Jared McVey.

utterance: OK and that's J A R E D M C V E Y correct?

utterance: V A Y.

utterance: V A Y OK thank you for making that correction. OK and can I get your street address please.

utterance: It's two two five two East Palm Drive long Beach California nine three six four one.

utterance: Fantastic and can I get your social security number and your driver's license?

utterance: OK so my social is three two three zero one zero zero five three. Drivers license is D seven three two zero six six five California.

utterance: Fantastic and can I get your PIN number for the account?

utterance: OK do you want my PIN number for like my my business account or do you want the PIN number for like the mobile app? I think that they might be different right? I think I have two PIN numbers with you guys or maybe just one. I don't know. shall I give you both or.

utterance: It'll be the PIN number that you use at the ATM.

utterance: Oh, OK. OK. So I got that one. So that PIN number is five five two seven.

utterance: Fantastic All right so you said that you you had issues with financing and you needed help acquiring more funds. Is this correct?

utterance: Yes.

utterance: OK so I think what you might be looking for are one of our loans. we have several loans that we can offer you but maybe I'll get some more information from you to determine what is the correct loan for for your business so can I get your business name?

utterance: Yeah it's B Bs Breakfast Burritos.

utterance: B Bs Breakfast Burritos that's a fun name.

utterance: Yeah.

utterance: And are you the sole owner?

utterance: I am.

utterance: So what is your business establishment date?

utterance: two thousand and nineteen.

utterance: Fantastic what is your email?

utterance: Email is eat at B Bs at Gmail dot com.

utterance: Now B B is that just B B the letters?

utterance: Yeah.

utterance: Yeah correct.

utterance: OK thanks for clarifying. What would be your gross annual sales at B Bs?

utterance: See gross annual sales. We had a good last a good year last year it was about nine one hundred and ninety thousand.

utterance: That's fantastic. That is great to hear. All right and what is your tax ID number?

utterance: give me one sec.

utterance: Absolutely take your time.

utterance: OK. OK, I got the tax ID number. Hello?

utterance: Fantastic. Go right ahead.

utterance: Great.

utterance: tax ID number is seven seven four eight two eight.

utterance: All right thank you very much Jared and can I get your business address?

utterance: Business address is sixteen hundred Edison Avenue Suite one zero seven in Long Beach California nine three six four one.

utterance: Fantastic now for this loan that you would like to to take. I think that the the best loan for you available right now would be a secured loan.

utterance: OK.

utterance: What kind of what kind of purpose would this loan be for?

utterance: Yeah I'm just I'm gonna start producing my own eggs for my breakfast burritos outsourcing the eggs has gotten too expensive so I just needed some money need some capital to invest in some farm land and I'm just gonna try to raise my own raise my own hens and get my own eggs.

utterance: Oh it's really industrious of you.

utterance: Yeah.

utterance: So what would be the loan amount? How much would you ask to bring your dream to life?

utterance: Gotcha I think a I think a clean number like a hundred thousand would would be very helpful.

utterance: OK a hundred thousand that's great that's great and that'll cover all your construction needs and supply?

utterance: Yes.

utterance: Fantastic How long do you think it'll take for you to pay back? What would be the loan term of this loan? Now you can either pay it back in twelve months would probably be the fastest that some people would pay it back or you can do twenty-four months or longer if necessary.

utterance: How about forty-eight?

utterance: Forty-eight is fine. So that would incur two point five percent interest. Is that acceptable to you?

utterance: That is.

utterance: Fantastic all right so based on all this information it seems like you have a great credit score and you've been doing great business so I don't see any problem with this with this with this loan actually I do need to know one more piece of information. What is the collateral type that you're going to be putting up for this loan since it is a secured loan?

utterance: Yes it's gonna be my house.

utterance: OK great. That should absolutely cover cover the loan. So why don't you go ahead and I'm gonna be sending you an email with more information about the secured loan. It'll give you a list of documents that you need to provide to us one of those documents will be information describing the the value of your property and we can go ahead and get this secured loan started for you. Is there anything else I can help you with today?

utterance: Yes.

utterance: Yeah want to ask about one of your credit cards. I think it's called the triple platinum triple platinum card.

utterance: OK interesting we don't have a triple platinum card but we do have a platinum card that you are eligible to upgrade to.

utterance: Oh.

utterance: OK. Oh that sounds great. I thought it was triple platinum, but you know platinum is great too.

utterance: That's great. Well if you'd like more information about that I can send you an email.

utterance: Please yes.

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

utterance: That's it.

utterance: OK great fantastic talking to you. Have a great day.

utterance: You too.


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

utterance: Hi Beth. How are you?

utterance: I'm great, thank you for asking. How are you today?

utterance: I'm great. Thank you so much. This is Brian Jenkins calling.

utterance: Hi Brian. How can I help you today?

utterance: So reason for my call. I I I've well I have actually two reasons why I'm calling. I have an account with y'all and I'm I'm really in need of the account balance, cuz I I know I have a balance that's due so like I I need the loan balance. and and then I also would like to set up an automatic excuse me, I it's it's really a credit report that I need to request.

utterance: OK.

utterance: OK, yeah. I'd be happy to help you out with both of those requests today.

utterance: OK. Fantastic. How do how do we how do we start?

utterance: Can I start by getting your full name and then your date of birth, please?

utterance: My full name? Yes, so it's Brian Jenkins.

utterance: OK. And is that B R Y A N?

utterance: B R I A N.

utterance: B R I A N. OK. Great. And I'm gonna go ahead and pull up your account, Brian. Can I start by getting the credit card number on file?

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

utterance: OK. OK. So, before we proceed any further, Brian, I do need to ask you a few security questions for the safety of your account.

utterance: Sure.

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

utterance: Yeah, PIN number. my PIN number is zero six four one. my security question is, well my favorite food is lasagne. And I my mother's maiden name is Peterson.

utterance: Peterson. That was the security question. OK.

utterance: Was it?

utterance: OK great.

utterance: And that's. How do you spell that?

utterance: P E T E R S O N.

utterance: OK. Great. Thank you for verifying that information for me, Brian. I am able to pull up your account so give me just one moment, please.

utterance: Great, you found it.

utterance: Yes. OK. So I do have your account in front of me. Can I go ahead and get the loan account number?

utterance: The loan account number. Yeah, is that the seven-digit number?

utterance: Yes.

utterance: OK. So, my my loan account number is fifteen eighteen thirty-six zero.

utterance: Fifteen eighteen thirty-six zero. OK. Gimme just one moment to pull that up. OK. So, I do have your loan in front of me and it looks like you owe three thousand two hundred and fifty dollars.

utterance: OK. So, if I. Could I pay. Well, you know what? I. So, that's what's due right now, right?

utterance: Yeah, that's your overall loan balance, so that's the total.

utterance: OK. And, and what's my the latest that I could pay it?

utterance: so you have until the end of the year to pay it.

utterance: OK. Till the end of the year. OK. So, I'll hold off on paying you right now. could you just send me the like confirmation of of what the balance is?

utterance: Mm.

utterance: Sure.

utterance: Sure, what's the best email to send that to?

utterance: B J at Gmail dot com.

utterance: BJ at Gmail dot com.

utterance: Yeah.

utterance: OK. Great, BJ. I did go ahead and send that, so you should get it by the end of the business day. If you don't see it in there, just go ahead and check your spam folder, because we do recommend our clients to do that cuz sometimes they can't find it and a lot of the times that's where it is.

utterance: OK. I'll check. also do you have. could I get a credit report?

utterance: Sure. I'd be happy to set that up.

utterance: Yeah.

utterance: And it same email if you could send it?

utterance: OK. Great. And I do need to go ahead and get your PIN number again. That, that was.

utterance: Yeah, so zero six four one.

utterance: OK. Great. and did you want to get a paper copy of this as well, or just the email?

utterance: You know what, let's just do a paper copy because sometimes emails get deleted. So.

utterance: OK.

utterance: Sure. And what's the best address to send that to?

utterance: you could do nine fifteen Maple Avenue. It's in unit seven oh three and it's gonna be Los Angeles, California nine zero zero one five.

utterance: OK. And just to confirm, that's nine fifteen Maple Avenue, unit seven zero three. And that's in Los Angeles, California nine zero zero one five?

utterance: Yes.

utterance: OK. So, I am gonna go ahead and put in a request for you to receive that. You should get it within usually about three to four business days you'll get that.

utterance: OK.

utterance: And I don't know if you know this, but we are offering a service that you can get your credit report every three months for free. Did you want me to go ahead and enroll you in that?

utterance: Yeah. It would just automatically be sent to me?

utterance: Yes.

utterance: And it's free?

utterance: Yes, it's free.

utterance: All right. Yeah, if you could please have that active on my account, I'd appreciate it.

utterance: OK. And did you want that to be just paper, or did you want it to be paper and email?

utterance: Let's just do both.

utterance: Just do both. OK. I'm marking you down for both, and you'll be auto-enrolled in that going forward.

utterance: Yeah.

utterance: Yeah. You're so thorough I really appreciate your help.

utterance: Oh, you're very welcome. OK, so you are good to go on that so you should be receiving both the email and the paper copy. Is there anything else that I can help you out with?

utterance: That's it. Thank you so much.

utterance: You're welcome. Have a lovely day.

utterance: You.

utterance: Too.


utterance: Thank you for calling Intellibank, my name is Daisy, how may I help you?

utterance: Hi Daisy I'm looking to buy a piece of equipment for my business. But I'm not sure if I'm gonna be able to afford to put it on my credit card, so could you please tell me my credit card balance?

utterance: Your remaining available balance?

utterance: Yes.

utterance: Sure, I'll be happy to help you with that. let's pull up your account. What is your full name and address?

utterance: George Emery, one twenty-one Parkside Acres, Branson Missouri, five five three two four.

utterance: Thank you. What is your date of birth?

utterance: September twenty-first nineteen ninety-nine.

utterance: Last four of your social?

utterance: Forty-four eighty-one.

utterance: And what is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: Thank you. And for which credit card, credit card would you like to check the balance? What is the credit card number?

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

utterance: Thank you, this is your IntelliBusiness silver card?

utterance: Yes.

utterance: Thank you. I show that this card carries a maximum available credit of twenty-five thousand dollars and your remaining available balance is currently thirteen thousand eight hundred sixty-two dollars and eighty-four cents.

utterance: OK, great.

utterance: Is there anything else that may help you with today, George?

utterance: Yes I need to add a new person to my account.

utterance: OK. And we've already verified your date of birth and your PIN, OK. What is this new user's first name?

utterance: Patricia.

utterance: How do you spell that?

utterance: P A T R I C I A.

utterance: And your the new user's last name?

utterance: Fields.

utterance: Spell that please.

utterance: F I E L D S.

utterance: Thank you. Their address?

utterance: Three one zero, Clarence Court Branson Missouri, five five three two four.

utterance: What is Patricia's social security number, please?

utterance: Four one two nine eight four one two zero.

utterance: What is her driver's license number?

utterance: M one nine two zero four zero eight nine four.

utterance: And what state was that issued in?

utterance: Missouri.

utterance: And what is her email address, please?

utterance: It's P Fields data management at Gmail dot com.

utterance: I'm gonna go ahead and spell that out. P F I E L D S D A T A M A N A G E M E N T. Is that correct?

utterance: That's right.

utterance: All right George, what is her date of birth?

utterance: November twenty-first nineteen seventy-four.

utterance: Thank you and what would you like her PIN to be?

utterance: Two nine nine zero.

utterance: All right. I went ahead and added that. And in just a moment I will have a transaction ID number for you.

utterance: Great, I really appreciate that this you know it Intambank makes it so easy to do all this kind of stuff, update my account and everything.

utterance: Yeah Intellibank. we're Intellibank, you said Intellbank.

utterance: Yeah I'm sorry, Intellibank.

utterance: No problem, that's no problem at all.

utterance: yeah OK I'm ready for that ID number.

utterance: All right, that ID number is three nine two one two one.

utterance: Three nine two one two one?

utterance: Yes, sir.

utterance: OK I got that.

utterance: OK, would you like me to send that to your email address that we've we've added that user?

utterance: Yes, please.

utterance: OK and once more what was your email?

utterance: It's G Emery trades at Gmail dot com.

utterance: Thank you George. OK just a moment, and that should arrive shortly. And if you don't find that in your inbox, go ahead and check your spam, sometimes it gets filtered to there. Is there anything else that I may help you with today, George?

utterance: No that's that's about it.

utterance: All right. Well, as always we appreciate your business and we thank you for always choosing Intellibank.

utterance: Great, thanks.

utterance: Thank you, bye bye.

utterance: Bye.


utterance: Hello, and thank you for calling Intellibank. My name is Monica And I am assisting you today on a recorded call for security and customer service satisfaction. May I ask who I have the pleasure of speaking to today?

utterance: hi my name is Frances McDonald.

utterance: Hello Frances, how are you today?

utterance: I'm OK, how are you doing?

utterance: I'm great, thanks for asking. Frances, how may I help you today?

utterance: I am so dumb. I lost a cheque. I can't find it anywhere, I've literally turned over my entire apartment. I need to cancel it.

utterance: Oh.

utterance: I'm sorry to hear that, but that's not a problem I can easily help you with that. Frances, I'm just gonna ask you a couple of quick questions, so I can pull up your account. I'm so sorry I was typing your last name and the screen went blank. can you repeat you last name?

utterance: Mhm.

utterance: McDonald, like McDonald hamburgers.

utterance: Oh, got.

utterance: It, like old McDonald? All right. And Frances I have as F R A N C E S?

utterance: Right.

utterance: Yep.

utterance: Great, and for security purposes, your four digit PIN number?

utterance: six two one seven.

utterance: Six two one seven? OK very good. And also Frances, can you please verify your date of birth?

utterance: Mhm.

utterance: Oh, sure. It's six seventeen nineteen seventy-three.

utterance: OK. One moment. OK, very good. That does pull up your account information for me. And I do see that you have our business total checking with us. and you also have your savings account with us too, so thank you for your business And the cheque number that you would like to cancel?

utterance: Mhm.

utterance: Mhm.

utterance: one nine seven one two.

utterance: One nine seven one two. OK? And the dollar amount?

utterance: Correct.

utterance: it's, oh gosh, how much was that? it was like nine hundred seventy-five dollars I believe.

utterance: Do you have a carbon of the check that you could look up and s~

utterance: I.

utterance: Don't. I my checkbook doesn't have that. yeah but It, it was either nine seventy-four or nine seventy-five, I just, it's one of those numbers.

utterance: OK.

utterance: Well you know what I'm gonna do is, I'm gonna go ahead and put it in for the larger amount. Because if I put it in for nine seventy-four and nine seventy-five comes through it might bypass it, but if I use the larger amount we've got it covered.

utterance: I

utterance: See. OK.

utterance: Does that

utterance: Make sense?

utterance: That's

utterance: Fine thank you.

utterance: It's just overriding the system. All right, so, nine hundred and seventy-five dollars. and I don't have to have this, but if you have the approximate date of when you wrote the cheque?

utterance: Mhm.

utterance: it was a just a few days ago, it was.

utterance: OK. Lemme just make it easy for you and I'll date this as October sixteenth. Cuz what it does is it generates a fourteen day window of time.

utterance: Yeah.

utterance: OK.

utterance: Right.

utterance: OK. All right. And the reason that you said was, the cheque was lost? OK, great. And I just so you know, while we're talking I did look your account, your checking account up and there have been no attempts to cash a check number, one nine seven one two. So, know that you're you're good and this cancellation was the right thing to do. and I just want to let you know that normally there is a fee for processing this but because you have been a long time valued customer, I am happy to waive that fee for you.

utterance: yes.

utterance: OK.

utterance: Oh, that's great I was gonna ask you.

utterance: Yeah, not a problem. I the fee is normally ten dollars.

utterance: OK. What's your name? You're very good.

utterance: Oh thank you, my name is Monica.

utterance: Oh, you should is there a way to get me to your supervisor after this call? And I'll tell him that you deserve a raise.

utterance: Oh, well that's very nice of you and Yes I can transfer you to my supervisor after the call, if you don't mind holding when we're done?

utterance: No, I would be happy to.

utterance: Oh, thank you, that, that that really makes my day, thank you so much. All right. So, let me just input this into the system. You're going to hear a brief silence for up to thirty seconds and then I'll be right back.

utterance: Mhm.

utterance: OK that's fine.

utterance: Thank you Frances. Thank you so much for holding that was actually very easy to process. Frances, I'm just gonna read this back to you to verify. And actually I just sent an email confirmation to you at the email address Frances McDonald at Gmail dot com.

utterance: Mhm.

utterance: All right the amount of nine hundred and seventy-five dollars for cheque number one nine seven one two which was written approximately the week of October fourteenth has had a stop payment put on it, and that is effective immediately.

utterance: Great, thank you so much.

utterance: My pleasure, and thank you so much it I'm your gonna hear a brief hold and I'm going to transfer you to my supervisor. And I just wanted to thank you for being a valued customer here at Intellibank.

utterance: Good luck to you.

utterance: Thank you ma'am, you too.


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

utterance: Yes so I got an email from someone with Intellibank and my assistant tried to make a withdrawal yesterday for me and the account was flagged as fraud because she was unauthorized to do that.

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

utterance: It's Jill Baker.

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

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

utterance: Alright, Jill. So you're saying that you received an email because you sent your accountant to make a withdrawal for your for you yesterday and the account was flagged for fraud because she was not authorized on that account. Am I understanding that correctly?

utterance: Yes. So it's my business account and I told her to make the withdrawal for me. So I'm not really a hundred percent sure what to do or why I got flagged.

utterance: Ok, Jill. So I can get some information from you and I can take a look at the account to remove that flag for you. Another thing that we could possibly do for your assistant if if she's going to be making transactions for you in the future is we can add her as a delegate to your account. So that way in the future if you'd like her to make a withdrawal for the business she'll be able to do that without flagging your account.

utterance: OK, that would be really helpful, so she won't actually be on the account just authorized to make transactions for me.

utterance: Yeah, that's correct. So what we will do is we'll create a PIN for her that way any debit or over the phone transactions that you that she completes will be logged there by her PIN. Delegates that are added to the account they will not be able to make any account changes or any withdrawals over the minimum without your approval. But this way your account won't get flagged if you keep asking her to do something for the bank and she shows up there they won't ask they won't flag it as some kind of fraud thinking that she's not associated with you or the business.

utterance: OK, that sounds perfect.

utterance: Alright Jill let me get some information from you real quick. What is your business account number?

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

utterance: Alright, thank you Jill and can I also get your date of birth?

utterance: It's March second of nineteen eighty.

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

utterance: It's four seven three eight.

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

utterance: It's Burgundy Bows Barn.

utterance: Ah I have been to that place. I love that bar, it's so cute.

utterance: Thank you. My sister and I started it a few years ago. It's kind of been a labor of love for us. Have you ever been to see one of our stylists there?

utterance: I have not. I've had my nails done at your bar but I've never had my hair done by any of the stylists there.

utterance: Well you should come by and get done sometime. We have some amazing stylists there and what other place to go that you'd get to drink a cocktail while you get your hair highlighted.

utterance: I will definitely have to check that out. It It's a really cute concept that you guys came up with.

utterance: Thank you, we really appreciate all the support.

utterance: Alright Jill, well real quickly here can I confirm your address?

utterance: It's nine three zero one Carter Street in Kansas City, Missouri. It's eight four seven three nine.

utterance: Alright, Jill and what is the name of the person that you're wanting to add to this account?

utterance: It's Kim and last name is Rankin. R A N K I N.

utterance: OK and what is Kim's date of birth?

utterance: It's June eight of nineteen ninety.

utterance: And what is her address?

utterance: it's eight three seven Watkins Mill.

utterance: Can I get a city and state, please?

utterance: It's Parkfield, Missouri.

utterance: And her ZIP code.

utterance: Her zip code's eight three four seven two.

utterance: Alright and do you have a social security number for Kim?

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

utterance: Alright and does Kim have a driver's license?

utterance: She does.

utterance: What is her driver's license number?

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

utterance: And what state is that license out of?

utterance: I believe it's a Missouri license.

utterance: Did you want to add an email for Kim?

utterance: Yes, her email would be kim the number eight at burgundy bows bar dot com.

utterance: Alright.

utterance: And what is a good contact number for Kim?

utterance: So her direct line at the business it's eight two one eight three nine eight two three nine.

utterance: OK. And I have one last question for you. What is a four digit PIN number that you would like to add to the account for Kim? This is going to be what we identify her with if she should call. or or make any kind of transaction. So basically if she uses the ATM, if she comes into the banking branch, if she calls us over the phone. Anything that she does whether it's withdrawal or deposit, it would be identified through her PIN number.

utterance: so if I create one for her can she change it later one?

utterance: Yeah, she can change it at any any time. She's just going to have to provide the one that you create for her today in order for that to be changed.

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

utterance: OK, give me just a moment so I can get all of her information added to the account.

utterance: I'm gonna add that PIN number and set that up for her too. Jill did you want to order a card for the account for Kim?

utterance: Do you think I need to get one for her?

utterance: It's completely up to you but if she makes any ATM or shopping transactions for you it might. It might be a good idea just to get that for her so she has her own.

utterance: OK, let's let's order one. OK, go ahead.

utterance: Do you want me to send that card to her address or to the business address?

utterance: Can we just mail it to the business and I'll have a. Will that card have her name on it and and Or will it have the business name? So which one is it? Will it have her name on it or will it have the business name?

utterance: so the debit card should come just like the one that you currently have and it would be just in the business name not her individual name. So we don't identify the business account cards by individual name it's just strictly the business name.

utterance: OK then, that's perfect.

utterance: Alright Jill so I have her added to the account, I have that PIN number set up, was there anything else I can do for you today?

utterance: No, I don't think so.

utterance: Alright Jill, thank you for choosing Intellibank and you enjoy your day, OK?

utterance: Thank you.


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

utterance: Hey, how you doing, Jerry? I got something in the mail on one of my little loans, saying that payment due and my question is, is this payment due on the twenty-ninth?

utterance: great question. I'll be glad to assist you with that. Let me just ask, sir, what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, I'll just need to ask a few questions to pull up your account. What is the name of the business?

utterance: Ray's Construction company.

utterance: And Mr. Freeman, if I could ask, I'm going to of course ask a few questions, because we do take your account security very seriously here, and it is for your and your business's protection. Is it all right if I ask you a few questions?

utterance: no problem, sir. Go ahead.

utterance: And what is your date of birth?

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

utterance: All right. And Mr. Freeman, what is the business address?

utterance: Well, my business address is three six eight eight Layman Courts, Smyrna, Georgia, three zero zero eight oh.

utterance: OK. And Mr. Freeman, what is your account number?

utterance: OK. Hang on just sec. Just a moment. One two three.

utterance: OK. the, the, the complete account, that number is seven nine eight six eight nine one two.

utterance: OK. Thank you for that. and Mr. Freeman, let me see if I can pull this up.

utterance: Yes sir. Yes sir.

utterance: I appreciate that. And also, I was gonna stop by the the branch out on Baker Street, but I I didn't have time, so.

utterance: I, since, I call.

utterance: well we're glad that you did. glad to be able to assist you here today with your questions, Mr. Freeman. And one last question, if I could ask, what is the pin number for your account?

utterance: Oh, that pin number is one seven zero nine.

utterance: Terrific, terrific, yes! I was able to verify your account, Mr. Freeman. And again, we appreciate you calling us to pull up, of course, answer any questions you have.

utterance: Yeah, I know.

utterance: What's the balance on that checking account?

utterance: Well, yes, yes. Well first it does appear that your payment is due on the twenty-ninth of November, as you mentioned.

utterance: OK.

utterance: and you, of course, are able to transfer funds from your business total checking account to make a payment on your loan by or before that date on the twenty-ninth if you'd like. And your available balance in your checking account is about a hundred, pardon me, it is a hundred fifty-three thousand.

utterance: Oh, OK. All right, that that sounds good.

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

utterance: Hey, no, that'll be all. I appreciate all that, and I'll make sure that payment is in there before the twenty-ninth. And hey I appreciate all you did Jerry. Thank you so much. You've been a great help.

utterance: Well terrific, terrific. Mr. Freeman, just so that you're aware, you can go online. You're of course, able to access our website.

utterance: And with our website, you'll be able to, of course, visit utilize your username and password. If you don't have a, a username or password, you can create that yourself. by the way, do you have online banking with us?

utterance: Yes, I do. And I did once lots of times I've done that. And and I'll make sure I'll go and do that, take care of that before the twenty-ninth. And I'll and I appreciate everything, everything you have done, Jerry. I tell you've done outstanding work. Thank you so much.

utterance: Well thank you Mr. Freeman. Yes, you can simply go online you can make your payment there, if you'd like. You also can check your balance, not just when your payment is due, but what the balance is of your checking account, as you asked earlier. As well as the balance due on your loan with us. and of course, if you needed to transfer funds, you can initiate that.

utterance: And make, of course, any additional changes, as far as basic account maintenance, such as changing your phone number, address, of course, adding particular users to the account, all right there online.

utterance: Well, that sounds real good thank you so much.

utterance: You've been a great help.

utterance: Mr. Freeman, well if, is there anything else that I can help you with?

utterance: that'll be all.

utterance: Well, if that is all, we certainly do appreciate and value your business here at Intellibank. And you have a terrific rest of your day.

utterance: Hey, you too.

utterance: Thank you now.

utterance: Thank you.

utterance: Bye bye.


utterance: Hello and thank you for calling Intellibank. This is Jonathan, how may I be of service to you this evening?

utterance: hey Jonathan, I'm looking to make some changes on the on our account. I believe we have a silver star checking account with you but that's besides the point. we're just needing to update our up up update our address.

utterance: Well we don't offer anything by the exact name of silver star, but we do have an Intellibank business silver credit card is that what you have?

utterance: let me see, let me check this again.

utterance: Oh you know what you're right, that star is I'm reading I'm saying star out loud but actually it's a star next to it to get to write important like know this.

utterance: Understood.

utterance: So yeah.

utterance: Happens quite a bit.

utterance: all right and you said that you wanted to do a change of address?

utterance: Yep.

utterance: Great.

utterance: All right so to start out I'm just gonna need your first and last name as it appears on that card, and I'm gonna need your date of birth.

utterance: All right that it's Chase Drew.

utterance: That was Chase Drew?

utterance: Correct.

utterance: Your first name is Chase, your last name is Drew?

utterance: Yes.

utterance: All right, and what was that date of birth?

utterance: January fifth nineteen eighty-eight.

utterance: All right and I'm gonna need your four digit security PIN.

utterance: All right for the security that's one five one four.

utterance: All right.

utterance: And since this is a Intellibank business silver credit card, I'm gonna need the sixteen digit card number.

utterance: OK that sixteen digit card number is Hold on I got.

utterance: Oh absolutely please take your time.

utterance: And it's everywhere right now.

utterance: Please take your time, we completely understand.

utterance: Oh OK.

utterance: Oh sorry about that, that's someone from the the next cubicle over.

utterance: Apologies.

utterance: Please, can you guys please keep it down? Thank you.

utterance: Oh here we go it's four four two five seven nine three four nine five eight five four four nine nine.

utterance: All right, yep and now that we're in your account in order to update your street address, I am gonna have to ask a couple of security questions starting off with the last four digits of your social.

utterance: the last four digits of my social are two five one three.

utterance: And what is your mothers maiden name?

utterance: Jones.

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

utterance: Gordon Gristle Avenue.

utterance: And please tell me your first pets name.

utterance: Pyur.

utterance: That's P U R E?

utterance: no we spelled it, sorry, P Y U R.

utterance: All right let me check that.

utterance: All right, that went through. So what I'm gonna need to do in order to change this is, I'm gonna need the full current street address that we have on file for you. whenever you're ready.

utterance: Which you have on file for me right now yes, that's six five two Chris Charles Lane. that's in Phoenix Arizona four nine one one two.

utterance: All right that is what we have on file for you there.

utterance: and go ahead whenever your ready and let me know what your new address is going to be.

utterance: New address yes of course, that's seven seven one Stapletons Avenue excuse me.

utterance: Oh no problem, please take your time.

utterance: Stapletons Avenue, Reno Nevada nine one two four three.

utterance: All right this will just take a second to update in the system.

utterance: and there we go, you now live in Reno Nevada according to Intellibank.

utterance: Excellent, it's a dream.

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

utterance: No that's that's that's all I needed today.

utterance: Well in that case thank you very much for contacting Intellibank, and you have a wonderful rest of your day.

utterance: Bye.


utterance: Hi, this is Danni Brooks with Intellibank. How can I help you today?

utterance: Hi Danni, my name is Daniel. And so, I kinda have a similar name. how are you?

utterance: Oh, I good today. How are you?

utterance: I'm all right. I'm good. I'm actually great. I'm having, now I'm actually having an amazing day. And maybe one of like the best days I've had in a really long time.

utterance: Oh.

utterance: I'm so glad to hear that.

utterance: Yeah, so yeah. Reason for my call as business owner, I I, I have a a special type of dog leash called called wolf leashes and Yeah, we have a business account with with with you guys, with with Intellibank. We've been banking with you for about a year. And one of my partners wanted me to just touch base to see how, you know, make sure everything is is is good with our account. But more importantly we're we're considering securing a loan, in getting a secure lone actually. But before we do all that, my my partner and and I'd like to know what what the quick liquidity ratio is like at at Intellibank.

utterance: OK, I can go ahead and figure out what your ratio is for you. Can I start by getting your full name?

utterance: Oh, absolutely, absolutely. Daniel Alexander.

utterance: OK. And can I get your birthdate?

utterance: Sure. It's seven seven ninety-three.

utterance: OK. So July seventh nineteen ninety-three.

utterance: Yes.

utterance: OK. And I'm gonna pull up your account so I can check your ratio for you. Can I get your PIN number?

utterance: Oh, sure. It's zero six forty-one.

utterance: OK, zero six forty-one. OK, great. So before we go any further, I just need to verify some information for the security of your account.

utterance: OK. Whatever you need.

utterance: OK. can I get your account number?

utterance: Yes. thirty-six fourteen forty-seven ninety-three. twenty-three forty-one nine eight four seven.

utterance: Ok. So that's thirty-six fourteen forty-seven nine three two three four one nine eight four seven?

utterance: Yes.

utterance: OK, great. And I just gonna go ahead and ask you a few security questions that you set up when you created your account.

utterance: Sure.

utterance: So, for your security question, what is the name of your first pet?

utterance: My first pet, Rufus.

utterance: Rufus. OK. And what hometown were you born in?

utterance: I was born in Nashville, Tennessee.

utterance: OK, great. thank you for answering those questions and verifying your information.

utterance: Oh. Oh, no

utterance: Problem.

utterance: Ok, so I'm gonna go ahead and pull up your account. just one moment, please. OK. I'm in your account now and you were inquiring about your quick liquidity ratio?

utterance: Yes.

utterance: OK, let me pull that up. Just one moment. So it's looking like you're at point three three.

utterance: OK, It's for liquidity, liquidity ratio?

utterance: Mhm.

utterance: So basically, we use the value of your certain, you know, certain company assets and we divide by the value of your current liablities. And that's how we get that, we get that ratio.

utterance: OK, OK, So, I Based on this liquidity ratio does stand a good chance there.

utterance: to get a credit card or a loan?

utterance: A loan.

utterance: A loan.

utterance: A secured loan.

utterance: so we do have this calculator on our website. It should be under the right-hand tab that says calculator.

utterance: OK, yeah. I see it, I see it.

utterance: And so you can put in your information in that such as you know, your liquidity ratio and your net income.

utterance: Got it. OK, OK, so let me talk to my partner and we'll we'll review it and then we'll we'll submit it, our application on line. And then if if we have any more questions, we can definitely call back.

utterance: OK, great.

utterance: OK. We'd be happy to help you.

utterance: OK. Thank you so much for your help.

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

utterance: That's it.

utterance: OK, you have a good day.

utterance: You, too.


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

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

utterance: I'm doing really good. Thank you so much, Kim. And how about yourself?

utterance: I'm doing great. Thank you for asking. I need to check my Intel bank account balance please.

utterance: did you mean Intellibank?

utterance: Yes. I'm sorry. Intellibank. What did I say? Intel bank? Sorry about that.

utterance: It's OK. There is an Intel bank. And I just. You know, people make that They they mess that up a lot. So I just want to makes sure that it wasn't a mix-up and you meant to call that bank.

utterance: Oh yes, no I meant Intellibank. Sorry about that.

utterance: No worries. All right. So you need to check your bank account balance. I can totally help you with that. Let's see here. Just need to see here some personal information from you Just so I can get into your account. Sure. Absolutely.

utterance: Yes.

utterance: All right. So, I know you said your name is Kim. Is that just Kim and not Kimberly?

utterance: yes. Just Kim, and my last name is Johns. That's J O H N S.

utterance: Thank you so much. And will you please provide for me your date of birth?

utterance: April twenty-fourth, nineteen seventy-seven.

utterance: Thank you so much. And also need your PIN.

utterance: It's two four one zero.

utterance: Thank you. And your bank account number.

utterance: Sure, gimme one second.

utterance: Sure, take your time.

utterance: Here we go. Give me one second hun. I'm so sorry. Opened up this business with my husband and I tell you the bane of my existence is his handwriting. I'm not exactly sure what this says. OK so I think the account number is It is one one two one zero zero zero five nine four, I think that is. Not a nine.

utterance: OK.

utterance: Let's see. All right. And bear with me just one moment while I pull this up.

utterance: Sure it's no worries.

utterance: looks like your account balance is three hundred thousand and eleven dollars and twenty-two cents.

utterance: OK.

utterance: OK, great. well I. I tell you. The reason I was trying to find out the account's balance. excuse me, the accounts balance is because we found some equipment that we found on sale this past weekend, and I was hoping it hoping the account balance was enough to to cover the the cost for these two new machines. I I think I wanna go ahead and apply for a line of credit with you all. would you be able to help me with that?

utterance: I certainly can. I can definitely help you with that. I'll have to get some information from you. bear with me just a second while I get to the correct screen in order to get this started.

utterance: Sure.

utterance: One moment.

utterance: OK Miss Johns. the first question I have for you is to what is your complete address with zip?

utterance: Sure. My my physical home address is forty-nine Holland Drive. That's Philadelphia, Pennsylvania, one nine one zero one.

utterance: Thank you so much. And also your social security number.

utterance: Sure. It's one seven three seven three nine five zero two.

utterance: Thank you. And please provide for me your driver's licence number.

utterance: Sure let me grab that. One second here.

utterance: Sure, take your time.

utterance: OK. OK, my driver's licence number begins with the letter K. and then it's three eight four seven two five two nine three.

utterance: Thank you. And your pin.

utterance: my PIN is two four one zero.

utterance: Thank you. Your email address.

utterance: Sure that's my first initial and last name. K Johns seven seven seven at Gmail dot com.

utterance: All right. And your business name?

utterance: It's JBS Tanning.

utterance: OK. And are you the sole owner, Ms. Johns?

utterance: I I actually own it with my husband.

utterance: OK.

utterance: Yeah.

utterance: And what was the business establishment date?

utterance: established on February twenty-second of two thousand two.

utterance: OK, and the gross annual income?

utterance: Our gross annual income is around six hundred and forty-five thousand dollars.

utterance: OK. And your tax ID number.

utterance: It's zero zero nine five four zero three three four.

utterance: And is the business address the same as your mailing address?

utterance: yes. Yeah, we we receive mail at our business address.

utterance: OK. And the desired credit limit?

utterance: the desired limit would would be five hundred thousand to start and, you know, then potentially if things go well you know, maybe more, but five hundred thousand.

utterance: OK. And the loan purpose.

utterance: And that was to acquire the the new machinery, right?

utterance: Right, for the line of credit.

utterance: For the line of credit, yes.

utterance: Right. Yes, yeah. To acquire the new machinery so that it actually takes less time per client, and that should then double, at least, if not triple the amount of clients we are able to get in there in those beds, and of course then double or triple profit. So, we're we're really excited about it.

utterance: OK. That sounds awesome. Fantastic! Well, I haven't been to the tanning bed in a long time but I now that I know that you have a business I will probably come by and try it out, try out your new beds. I'm interested.

utterance: Yeah, they're supposed to be really nice and very quick, so you know Like, I remember when I was younger, the tanning beds, you know, once you got a decent tan, I mean, you'd be in there from twenty to thirty minutes. taking a little nap and stuff and nowadays they they're zap you in a couple of minutes and you're good.

utterance: That's so awesome. Beach ready in five minutes.

utterance: Yeah.

utterance: That's.

utterance: Right.

utterance: That's fantastic! Well, Ms. Johns, I wanted to inform you that you will only pay interest on the amount that you're borrowing. And not the entire credit limit, so that's positive. And what I'll need you to do is to please send in your supporting business documentation and we'll get back to you with your results of your application. And is there anything else I can do for you today?

utterance: No, that's everything. Thank you so much for your help. I really appreciate it.

utterance: Oh, you're so very welcome. I hope you have a wonderful rest of your evening, and good luck.

utterance: Thank you.

utterance: You're very welcome.

utterance: Bye bye.

utterance: Bye bye.


utterance: Good evening. Thank you for calling Intellibank. My name is Jane. How may I help you this evening?

utterance: Jane I was wanting to. my name is Eric and I have. I have several accounts there and I was wanting to check and see what my business debt to income ratio works out to be.

utterance: OK that's pretty ea~

utterance: And then at

utterance: The same time there's somebody I wanna add to my account but.

utterance: OK.

utterance: First things first.

utterance: OK not a problem. Those are actually both pretty simple to do. let me just get some basic information so I can pull your accounts up on the screen.

utterance: All right.

utterance: Eric what is your last name?

utterance: Jameison.

utterance: J A M. Thank you. All right and I'm just plugging you in here. And what is the four digit security pin you created for your accounts?

utterance: E I S O N.

utterance: Four two seven five.

utterance: Four two seven five. All right. Bear with me one moment.

utterance: Sure.

utterance: OK great. That does let me into the system and I just need to verify your date of birth.

utterance: Ooh I normally don't share this information over the phone.

utterance: It'll be my. It'll be our secret.

utterance: Yeah. Just don't tell anybody else OK? Six twelve nineteen seventy-nine.

utterance: OK.

utterance: OK. Well you're just a youngster.

utterance: Depending on who you ask. Ask my kids, I'm old.

utterance: OK.

utterance: Well that's Just. That's our kids for you.

utterance: All right.

utterance: OK. All right. So I do see your account information. let me just review this here so I can give you your debt income ratio.

utterance: OK.

utterance: happy to do this for you. Just to let you know for your convenience it's also available online and I'm also. What I'm just doing is I'm evaluating your monthly debts divided by your grossly month income. I'm just plugging in some numbers here.

utterance: OK.

utterance: I knew you guys would have the most accurate numbers. So I think it'd be be~

utterance: Yeah. Well since you have

utterance: since you have so much business with us and I can see your debt, I can see your payment, it's. It's really easy to calculate. It's especially with this calculator I have on my system. OK and we look at it for a four quarter period.

utterance: Mhm.

utterance: OK your debt to income ratio is coming in at twenty-two percent which is very good.

utterance: OK twenty-two percent. All right. That's good to know.

utterance: Mhm.

utterance: Just curious, are you thinking about expanding your business or are you looking to apply for some type of loan?

utterance: Yeah I think somewhere down the line we're gonna do something in that respect. That's kind of why I want to add this additional person to the account because once we. Once we get to that point it might be next year or so we want. I'll probably have him do it.

utterance: OK.

utterance: OK.

utterance: And I won't be doing it.

utterance: Just

utterance: To let you know we we generate these reports every quarter. You can look at it for the quarter. You can look at it for four quarters. However if you're looking to apply for something soon we do We do recommend that you do also check it weekly. It just helps you stay more on target for what you're actually spending versus what you're actually paying down.

utterance: OK.

utterance: Just just keeps you in the loop a little bit better. and again you can do that online or you can just give us a quick call.

utterance: Right. OK.

utterance: OK and Mr. Jamieson you said you wanted to add somebody else. another user to an account?

utterance: Yeah I have a an older son that I'm wanting to incorporate in the business a little bit more.

utterance: OK. And what if?

utterance: And so I'm gonna bring him on.

utterance: I'm sorry to interrupt you. What type of Are we talking about a credit card? Adding him to a checking account? Which account?

utterance: No we're adding him to the. The overall account. We can just put his name on there, right? I'm not gonna I don't know if I wanna make him responsible for the loans, or anything like that but I do want his name on there as an authorized user.

utterance: you just need to let me know which account and I can add him to that. I can do that to one account. I can do it to all of your accounts. You just. You just let me know.

utterance: we'll do it to one. We'll just do it to one for now.

utterance: OK. Would that be a credit card account?

utterance: Yes.

utterance: OK and I see here that you have our Business Gold Card.

utterance: Mhm.

utterance: All right and what is his name?

utterance: His name is Antonio Jameison.

utterance: Antonio Jameison. OK and what is his date of birth?

utterance: It's four twelve. Nineteen ninety-seven.

utterance: OK and his social security number?

utterance: Two one three eight nine seven. Four five two seven.

utterance: OK very good. he will get a card sent out to his address. Is it the same business address? we have on file?

utterance: Yeah send it to the business address. I don't want that to go to his house.

utterance: OK.

utterance: OK and all he'll have to do once he. That card comes in the mail as he'll. They'll be a phone number to call to activate it and he can also set up his own personal pin number for that as well.

utterance: OK.

utterance: And that's it. Your all set.

utterance: All right sounds good.

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

utterance: No maim that's it.

utterance: Thank you and have a great night.

utterance: Sure.