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

utterance: Hi Angus, how is it going? this is Tim Stevens.

utterance: Oh.

utterance: How are you?

utterance: Pretty good, Tim Stevens. just hard at work here. I'm happy to help you out. What can I do for you today here at Intellibank?

utterance: Ow, I want to I gotta do a couple things. I wanna close my savings account.

utterance: Sure.

utterance: And then after that I wanna move some of that into a business savings account. And I'm gonna apply for a loan.

utterance: Making some moves today?

utterance: Yes .

utterance: Well. Can you excuse me one second? some water.

utterance: Oh, please.

utterance: yeah, so let's get you started. Let's, let's take this step by step if you don't mind.

utterance: Mhm.

utterance: let's close that account for you. Can I get your first and last name? Tim Stevens?

utterance: yes, that's correct.

utterance: Is the Stevens S T E P H or V E N S?

utterance: V E.

utterance: Yeah.

utterance: V E N S. OK. And your date of birth?

utterance: My date of birth is ten twelve seventy-eight.

utterance: Ten twelve seventy-eight?

utterance: Yeah.

utterance: your PIN number?

utterance: the PIN number is three three two five.

utterance: Three three two five. OK. And so what's, so what's the account number of the account you're closing?

utterance: The account in the savings one I have.

utterance: Mhm. And what's the reason for the closure?

utterance: Oh gonna get a loan and gonna start over.

utterance: OK. I do need, so the deposit account number and the, the routing number.

utterance: Sure, you got it. Is it? deposit number is seven five eight two one eight. And the routing number is three two seven eight eight.

utterance: OK. I also need the deposit bank account number.

utterance: that is seventy-two eighty-five.

utterance: OK.

utterance: Yeah.

utterance: Seven two eight five. All right. So, I've officially closed savings account.

utterance: Mhm.

utterance: The remaining balance you had there is removed to that new account.

utterance: Right.

utterance: Mhm.

utterance: and you'll get a verification email from email on file here. Timmy Stevens at Gmail dot com.

utterance: Yes.

utterance: OK. Send that off for you. But you wanted to apply for a secure loan too?

utterance: please, yes.

utterance: Let's take you to that. Forgive me for the multiple questions. It's all for security measures, OK?

utterance: It's OK.

utterance: I get it.

utterance: First and last name.

utterance: yes, Tim Stevens.

utterance: I did not get though your address. Your actual mailing or home address.

utterance: three two five eight Sunset Boulevard Los Angeles, nine zero zero one eight.

utterance: Mhm. Social security number?

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

utterance: State issued ID number.

utterance: Oh let's see here. st- it's it's California issued. One one zero two three nine.

utterance: Four digit PIN, the same?

utterance: Yes.

utterance: Email for the business loan. Did you wanna use Timmy Stevens at Gmail dot com?

utterance: Yes.

utterance: That would be great.

utterance: What's the name of the business, sir?

utterance: it's Timmy's Tires.

utterance: Are you the only owner?

utterance: That's correct.

utterance: Date the business was established?

utterance: twenty fourteen. June first twenty fourteen.

utterance: Annual gross sales?

utterance: thirty-eight thousand.

utterance: Text ID number?

utterance: yes. I'll give you, one second. let me find that. One zero seven eight one one zero.

utterance: So, also need a business and mailing address. Are they all the same with the Sunset location? OK, OK. Collateral type?

utterance: Yes. Correct.

utterance: I can put up my car, which is a twenty twenty Ford Bronco.

utterance: Got it. Loan purpose.

utterance: loan purpose is for a business expansion.

utterance: Loan amount?

utterance: ten grand.

utterance: And the term loan length?

utterance: two years.

utterance: Ten thousand dollars. Two years. Processing your application now. Just to remind you, this is an application that goes to our loan approval team. Who will then notify you by email within three to five business days of the status of the loan, if you are approved for that amount if the loan went through, OK? Anything else I can help you with?

utterance: Great.

utterance: No, that's it. Thanks so much.

utterance: Thank you so much for choosing Intellibank.

utterance: Mhm.

utterance: Bye bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey Steve. I was just calling to set up a set up a payment for my loan.

utterance: Sure. Did you want to make a payment on the phone today?

utterance: yeah. I wanted to schedule a payment. Yeah. It was a loan I have with with Bank With you guys I was hoping to pay.

utterance: OK.

utterance: You got it. We can do that today. And we can make that payment today or you can make it at a later date. I'll be happy to help you.

utterance: OK.

utterance: So, let's start off by getting your first and last name.

utterance: My name is John Williams.

utterance: John Williams. And your date of birth.

utterance: The date of birth is twelve twelve seventy-nine.

utterance: December twelfth, nineteen seventy-nine. Also, we'll need your PIN number.

utterance: Yeah. The PIN is four six seven four five. No, no. Wait. I'm sorry. Sorry. that was wrong. Four six seven four four.

utterance: OK. Four six seven four five. You said four six seven. Four six seven four four. Let's see. jus~

utterance: Wait. This is Bank right? Maybe I Is this the right number?

utterance: you're calling Intellibank.

utterance: Yeah. I'm sorry. Yeah. This is Intellibank, right?

utterance: That's correct.

utterance: OK.

utterance: Sorry. Sometimes, cuz I did put that first PIN in first, so it'll take the system a second to backtrack. But, I did put your correct PIN in and just waiting for that to go through.

utterance: OK.

utterance: And just so you know, these services are available in the future via Intellibank dot com.

utterance: Yeah. I gotta you know then you gotta set up all that stuff on the website or the app and. I don't know. Maybe I'm wrong. I just thought it'd be faster to do it this way.

utterance: Well, yeah. It depends on your convenience, but I'll just to remind you that information is available on there twenty-four hours a day. Seven days a week. And you can also set it up for automatic payments so that each month it would pay the loan a certain amount and you're not locked into that monthly payment amount. You can also go into there and edit that payment. So, for example, if you had recurring monthly payments for sixty-five dollars a month for six months. Maybe you could set it for eighty-five dollars the next six months. All depending on what is comfortable for you depending on the loan.

utterance: Right.

utterance: So, just.

utterance: So, can I set that up now? That's what I was hoping to do.

utterance: Yeah. Did you want to set up a. We could set up a payment date or the recurring for you. Hang on one second though that's a. Just a couple of steps away. All right. OK. Finally took that PIN. I will need your loan account number.

utterance: Oh, I have a bunch of numbers here. OK. loan account number is seven three four four six five four two.

utterance: OK. Let's see. Then I will need your payment bank account number. I see here with us you have the Intellibank total preferred checking or the Intellibank smart savings account. Which one would you like to pay from?

utterance: that'd be

utterance: The checking.

utterance: All right. What's the account number for verification on that?

utterance: Yeah. One seven seven three four eight seven four.

utterance: All right. Yep. That matches your checking account. Then I will need the payment routing number for that account.

utterance: Huh. you don't have the routing number yourself?

utterance: No, sir.

utterance: OK. Routing number is. let me see here. one four one zero zero three six seven.

utterance: OK. That matches up. what is the date you would like to make this payment?

utterance: November tenth.

utterance: November tenth. That will go through. It might not show up on your actual account till November eleventh. But, be assured that payment will happen November tenth as you are scheduling it here with me. It's just that it gives us the records a day late as when they've been processed by our processing department November eleventh. Probably will need to know that payment amount.

utterance: Yeah. Sorry. The Let's do. Let's just do four hundred.

utterance: Four hundred dollars. OK. So, I have put that request through. And it is confirmed. I have it on the date you requested. Is there anything else I can help you today?

utterance: no. I think that's it. So, it's it's scheduled to withdraw on that date, right?

utterance: That is correct.

utterance: OK.

utterance: Have yourself a good evening, sir.

utterance: All right. Thank you.

utterance: Bye bye.


utterance: Hi. This is Robin Forsythe at Intellibank. What can I do for you today?

utterance: Hi Robin. my name is Laura and I'm looking for a couple things from our call today. one I was supposed to get our net income for twenty twenty. and I guess I also have to schedule a credit card payment for the month.

utterance: OK, yeah. I can go ahead and assist you with both of those things. Can I start by getting your full name and date of birth?

utterance: Yeah, it's Laura like L A U R A and Rivers like the body of water plural. yeah and my date of birth is December seventh nineteen eighty-four.

utterance: OK, December seventh nineteen eighty-four. And I am gonna go ahead and pull up your account, Laura. Can I start by getting your PIN number please?

utterance: yeah. My PIN number is nine zero nine seven.

utterance: OK and before we proceed any further I do need to ask you a few security questions. So when you created your account, you did answer a few of those so I'm just gonna ask you those now.

utterance: Great.

utterance: What is your mother's maiden name?

utterance: it's Jackson. J A C K S O N.

utterance: OK and what was the name of your childhood best friend.

utterance: Timmy.

utterance: And would you mind spelling that for me?

utterance: Yeah, T I M I.

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

utterance: Great. Thank you. God, this smog is so bad today.

utterance: I actually don't have any smog where I'm located. Where are you at?

utterance: Oh, I'm I'm in Los Angeles at my loft overlooking the hills.

utterance: Oh, of course. Well, I'm so sorry to hear that there's a little a lot of smog today.

utterance: Where is the call center located?

utterance: so basically we we are independent so each each person that you encounter on the phone is in a different location. I'm currently in Ohio.

utterance: Oh, I heard it's really nice there.

utterance: Yeah, I like living here. OK, Laura. So I was able to pull up your account. And you were looking to get your business's net income for the year of twenty twenty?

utterance: Yes, please.

utterance: OK, let me see. OK. So it looks like it was a hundred and twenty thousand.

utterance: Yeah, that sounds right.

utterance: OK. Is there any of the other questions that you have about that? I don't know if you're aware but you can go ahead and check that out through your online account going forward.

utterance: Oh, OK. Yeah. sometimes I find like the website a little funky to navigate but.

utterance: Yes, I can definitely understand that. Well we are available for you to call whenever you wanna check your net income.

utterance: Great. Thank you.

utterance: And so you said that you had another request? You wanted to go ahead and schedule a credit card payment, correct?

utterance: Yes.

utterance: OK. Can I start by getting your PIN number again?

utterance: yeah. It should be nine oh nine seven.

utterance: Nine zero nine seven. OK, great. And can I get the credit card that you're wanting to pay the statement on? The credit card number?

utterance: Yeah. The number is one three two seven two seven eight nine nine six nine eight five five two one.

utterance: OK and just to confirm that was one three two seven two seven eight nine nine six nine eight five five two one.

utterance: Yeah.

utterance: OK, great and how much were you looking to pay off?

utterance: I think that the total balance per month is fine.

utterance: OK, so you are currently paying two hundred dollars per month and so you wanna continue doing that?

utterance: Yeah.

utterance: OK. So I'm putting you down for two hundred per month and what what's the bank account number that you want the money to come out of?

utterance: it should be my checking account here which is one nine four three nine zero two one seven five.

utterance: OK and one nine four three nine zero two one seven five.

utterance: Yeah.

utterance: OK, great. And what's the routing number on that?

utterance: five eight five seven five seven five.

utterance: Five eight five seven five seven five. Correct?

utterance: Yes.

utterance: OK, great. And what date did you want that to pull from your account?

utterance: Let's just do the fifteenth of each month.

utterance: OK. So you wanna enroll in automatic billing.

utterance: Oh oh no. I'm sorry. I just want it on the fifteenth this one time.

utterance: OK, just the fifteenth of this month. OK, the fifteenth of January. That'll be two hundred dollars coming out of that account. OK, so great. You should be receiving an email shortly with your receipt on that. Is there anything else I can help you out with?

utterance: No. Thank you.

utterance: Thank you. Have a lovely day.


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

utterance: Hi. Yes. I'm calling because I'd like to open an account.

utterance: OK. I'd be happy to help you with that. Just one moment while I bring up my systems here.

utterance: Great. Thank you. How's your day been so far?

utterance: So far so good. I can't complain. got a nice view of the outside. It's a beautiful day so it's been it's been pretty good. Can't complain. How about yours?

utterance: Well. I'm working mobily today so I get to enjoy being outdoors. I can't wait until you get out here and enjoy it.

utterance: Oh nice. Yeah just a few more hours and I'll be there. All right. So let's start off first with your first name.

utterance: Nicole. N I C O L E.

utterance: Thank you. And your last name?

utterance: Gonzalez. With a Z.

utterance: Thank you. And may I please have your address?

utterance: Seven six three Squid Road.

utterance: Thank you and squid like the the sea creature? S Q U I D?

utterance: Yes.

utterance: OK. Perfect. All right. And what is your city your city state and ZIP code please?

utterance: Orlando, Florida. Three two seven zero nine.

utterance: Perfect. And your social?

utterance: Three three three seven seven four four two six.

utterance: Perfect. And whenever we're opening up a new account, we do need to get the your driver's license number. Do you have that available?

utterance: I do. I had a feeling you were gonna ask.

utterance: Yes. Go ahead.

utterance: It is.

utterance: Are you ready I'm sorry?

utterance: Yes yes go ahead.

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

utterance: Thank you. And the state where it was issued?

utterance: Florida.

utterance: Thank you. And now What PIN would you like to put on the account? That's something that you'll have to verify whenever you call in and also whenever you use any transactions with your card.

utterance: let's do five five six seven.

utterance: Perfect. All right and so we can send you some correspondence and some other things. what email address would you like to put on file?

utterance: Gonzalez Consulting fifteen at Gmail dot com.

utterance: Thank you. And Gonzalez, that's spelt G O N Z A L E Z?

utterance: Yes ma'am.

utterance: Perfect. All right. So Gonzalez consulting fifteen at Gmail dot com. I got that. All right. And since it is What type of account is it? Is it the business checking?

utterance: Yes ma'am.

utterance: OK. All right. So since it is a business we'll have to get gather some information about the business. What is the name of the business?

utterance: Gonzalez Consulting.

utterance: Perfect. And who is the sole owner?

utterance: I am. Nicole Gonzalez.

utterance: Perfect. And what is the date your business was was established?

utterance: April sixteenth two thousand fifteen.

utterance: Perfect. And your gross annual sales?

utterance: I have that here. It's three hundred fifty thousand.

utterance: Perfect. and the tax ID for your business?

utterance: It is one zero zero seven zero eight two six zero.

utterance: Perfect. And the street address for your business if it differs from your home?

utterance: It does. And it is twenty-two forty-four Whisper Lane. Unit three.

utterance: All right. And the state and ZIP code? And I'm sorry the city, the city, state and ZIP code.

utterance: Oh I'm sorry.

utterance: It's Orlando as well?

utterance: Yes ma'am.

utterance: OK. So Orlando, Florida and the ZIP?

utterance: Three two seven eight five.

utterance: Perfect. And the mailing address?

utterance: Is the same as my business.

utterance: OK perfect. All right and you said the account type was gonna be our business checking that we have. and what is the initial balance that you'd like to deposit into the account?

utterance: I'm gonna go ahead and start with two hundred fifteen thousand.

utterance: All right. Perfect. So to transfer those funds in there I'm just gonna need the bank account number and the routing number that you're transferring the account, transferring the funds from. So I'll start off with the account number.

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

utterance: Perfect. And the routing number?

utterance: Nine nine nine five four three.

utterance: Thank you. All right so for this type of account there's no monthly or annual fees as long as you keep at least a ten thousand dollar balance in your account, every month, every billing cycle and also there is no fees for wire transfers domestically. There is a fifteen dollar charge for international transfers if you have to do any of those. and also in order to manage your business, a little more conveniently, you can go online at Intellibank dot com and create a username and password. just put in some information that we ask you for, personal banking information. And make sure you have that with you, you'll be able to set the account as well as also download the app if you'd like that. Is there anything that I can assist you with today?

utterance: Actually yes. I need to correct the address that I gave you for the business earlier.

utterance: OK.

utterance: It's actually unit seven not unit three.

utterance: OK. Perfect. All right. I will update that right away. That isn't a problem. OK so I got that corrected and submitted. Is there anything else I can assist with today?

utterance: No thank you. That's all for now.

utterance: All righty. Well thank you for calling Intellibank and you enjoy the rest of your day.

utterance: You too. Thank you so much.

utterance: You too. Bye bye.


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

utterance: Hey, how you doing? My name is Ryan Daniels and my date of birth is November twelfth nineteen ninety-two.

utterance: OK.

utterance: This is Rocket Investors company right?

utterance: I'm sorry sir this is Intellibank.

utterance: Oh Intellibank my apologies man. I been calling all type of.

utterance: sure no problem I understand.

utterance: Places.

utterance: My bad just got it.

utterance: Mixed up there. Yes, yes yes yes. the reason why I'm calling is regard is in to, I need to help my employees. I need I need I need a some type of stable safe trustworthy alternative and you know to get that going to help my employees.

utterance: OK.

utterance: An alternative to?

utterance: Yeah I don't have direct deposit or anything set up because our our system right now is getting reprogrammed.

utterance: Uh-huh.

utterance: So the algorithm within that is getting restructured. So I need I need something that, you know that can take care of that.

utterance: Well we can certainly set up payment for your employees. if you'd prefer to keep things to not deal with direct deposit, we can always just send you checks.

utterance: Well I would love to do direct deposit but it's just I don't we can't do that right now so.

utterance: OK no problem. I'm happy to mail you some checks.

utterance: We might be able to do direct deposit I'm just not sure but I just think something else should be permitted and and you know we should be

utterance: Uh-huh.

utterance: OK.

utterance: Sure.

utterance: Well I can send you checks now and if you wanna set up direct deposit or anything of that nature you can always go online to your account dot Intellibank dot com.

utterance: Mm.

utterance: Wow!

utterance: And you're able to set that up as well as review your accounts, loans, and pay your bills. so, can you give me the shipping address where you would like me to send checks?

utterance: yeah, it's thirty sixteen Randall Drive Honolulu, Hawaii ninety-six eight fifteen.

utterance: OK and can you give me the number of checks you would like sent?

utterance: Yeah, I'll take two hundred. That would be good.

utterance: OK

utterance: Or lemme get two twenty.

utterance: Two twenty?

utterance: Yeah, think that's better.

utterance: OK, fantastic. So two hundred twenty checks being sent to your Honolulu address?

utterance: Yeah.

utterance: Fantastic.

utterance: one moment please.

utterance: OK.

utterance: Hey, sir you still there?

utterance: Hi, yes I am.

utterance: sorry about that. OK what was what was I saying sir?

utterance: It's OK.

utterance: well you were just telling me you wanted two hundred twenty checks sent to the Honolulu address.

utterance: Yes.

utterance: Yeah. Instead of.

utterance: Yeah instead of two hundred just make it two twenty. That'll be cool Yeah and take it out to the headquarters there. that'll be cool. That'd be awesome.

utterance: Two twenty.

utterance: Fantastic.

utterance: Well that's a good place to have a headquarters, tell you. I imagine that's definitely better than .

utterance: Yeah tell me about it man.

utterance: the water's beautiful and to be honest with you man, if you ever if you ever have time you know we we do have a a service retreat out there and it's really nice man. It's really really cool. A lot of people travel there it's beautiful man, it's beautiful . Do you have any wife and kids?

utterance: Wow.

utterance: yes. Yes I do. I haven't we haven't been out to Hawaii yet but that's definitely on our list.

utterance: You definitely gotta check it out brother. It's it's I'm telling you the the the scenes is to die for. The the views are to die for, they're gorgeous. And they know our wives man. I'm married too so you know my wife man. Yeah, we went out there for our anniversary and ooh, a lot of money but it was worth it you know so we definitely had a good time.

utterance: I'm sure.

utterance: Oh congratulations.

utterance: Oh I see so.

utterance: You're not based in Honolulu, these are just going to your office there?

utterance: Yeah, yeah yeah yeah. We had to you know good tax purposes and you know stuff like that but it's a it's a great place to have a company. that and you know that and Puerto Rico of course, but we're pretty much already set with that you know. Everything is already there as well so yeah man, we're living. We're doing our thing, you know. you gotta hey man this is America. You know how America works, you. know? So you gotta you gotta play the game like they do.

utterance: Oh.

utterance: Cool.

utterance: Sure is.

utterance: Fantastic.

utterance: Yes sir so I think this is pretty much it. Oh let me ask you this, am I on the gold package or the platinum package because when I do go online, at times I do see I I'd see both?

utterance: Well.

utterance: well you are a platinum member so you should be able to have all the benefits and see them all laid out for you.

utterance: OK.

utterance: OK.

utterance: they're online as well as being able to order checks in the future there as well. so, is there anything else I can help you with today?

utterance: Alrighty.

utterance: No sir, you've been a blessing. I greatly appreciate you.

utterance: Well thank you. Enjoy it out there and we'll get these checks right out to you.

utterance: All right, my man.

utterance: Thank you.

utterance: Have a good one sir.

utterance: You too.


utterance: Good morning. Thank you for calling Intellibank. My name is Matilda and I will be glad to assist you today. Who do I have the pleasure of speaking to?

utterance: Hi Matilda. How you doing? This is Toby.

utterance: Hey Toby. How are you doing today?

utterance: Not too bad. Not too bad. Just you know, enjoying the cloudy weather. Finally a little bit of a change out there in the world.

utterance: Oh nice, nice. It's nice to get out of summer into more wintery weather.

utterance: Yeah. We get the seasons out here so we don't get the seasons out here so it's nice to get a little bit of a change. Feels like feels like autumn now. so.

utterance: Nice. Where do you live?

utterance: I'm actually in LA.

utterance: Yes.

utterance: Yeah, I'm in LA, so, you know leaf.

utterance: The.

utterance: The land of no seasons.

utterance: The exactly exactly. The land of no seasons. so now we get a little bit of rain and I can't believe I feel like I'm not in LA. It's kinda nice.

utterance: Great.

utterance: So Toby, what can I do for you today?

utterance: Okay, so. I I wanted to just, I actually called for a couple of reasons One is, I need to see if Number one. You have the correct email address on file. I need to update that. and and I also noticed some rates that were a little bit higher. I thought they were fixed and they're higher than I thought they were, if I'm mistaken. I don't know, I just, I just I got something in the mail.

utterance: OK.

utterance: OK. I I I can help you with all of those. And just to check, when we're talking about rates, are we referring to a checking account? A savings account?

utterance: Yeah.

utterance: Oh, yeah, yeah. That's great. Thank You. It's actually the checking account.

utterance: Checking account. All right. I'll be able to tell the one you have when I look you up in our system. So I'm just going to ask you a couple of questions so I can look you up, OK Toby?

utterance: Yeah.

utterance: Great.

utterance: OK Great. Thank You.

utterance: OK.

utterance: Sure, and Toby is that T O B Y?

utterance: T O B Y. That's right.

utterance: OK.

utterance: And what is your last name?

utterance: Silarno.

utterance: Do you mind spelling that for me?

utterance: Yes. It's S like Sam, O L E R N like Nancy, O. Solerno.

utterance: Great. Okay, and your four digit security code that you created, I'm sorry, your four digit PIN number that you created for your accounts.

utterance: Oh man, Actually, do you shoot. OK, hold on give me one second. Gimme a second, let me see if I can Pull it up here on the phone

utterance: OK.

utterance: Take your time.

utterance: All right, Just, it's in my notes, I'm going through my notes right now. the passwords and I'm logged out and Okay. Alright, here it is. Alright, it's One six eight three.

utterance: One six eight three?

utterance: Yes.

utterance: Okay, great.

utterance: All right.

utterance: Okay, and just to verify, your date of birth?

utterance: Yeah, it's six five eighty-five.

utterance: Six five was that eight five?

utterance: Eighty yes. Nineteen eighty-five.

utterance: Nineteen. Great.

utterance: Okay great. I've got you here. All your information's pulling up. I see that you've been a long time customer with Intellibank. Thank you for your loyalty.

utterance: Absolutely, thank you.

utterance: And I see that you have our business preferred checking.

utterance: I do.

utterance: OK.

utterance: Yep.

utterance: And as far as the interest rates go I'm assuming that's what you were to referring to? Perfect.

utterance: Uh-huh.

utterance: Yeah, exactly. I feel like.

utterance: It's it's it's a little I'd say it's high right now but I I I don't know. I thought it was at least for the for the year. you know. I I I call back every F I kinda go, I feel like I go through this every single year.

utterance: Well if it if it'll

utterance: Sure.

utterance: Well, if it goes up a little higher that's, that's to your advantage because that's the interest you're earning. And I do see that it did go up a little bit. Where it was two percent before, now it's at two point seven five percent. So there has been a little bit of increase but that's to your favor.

utterance: Oh? Really?

utterance: Yeah, you're you're earning a few extra pennies there on your dollars.

utterance: OK.

utterance: Cool. So great. All right.

utterance: Good.

utterance: I just have so many other accounts I'm just like as soon as I get this it kind of freaked me out you know? getting something in the mail. I was like what interest rate? I'm paying more interest on what? So you're actually saying I'm getting more? At on on the dollar, right?

utterance: Of yes.

utterance: Of cour~

utterance: You're getting you're getting.

utterance: A little bit more right now. Absolutely.

utterance: OK. Great.

utterance: Great.

utterance: And the other thing you said, you wanted to update your email address or make sure that we have the correct one?

utterance: Yeah, yeah so I do have a brand new email address.

utterance: Okay.

utterance: I'm not using the other one any more.

utterance: Let me just go to that screen.

utterance: Yeah.

utterance: All right. The email address I have on file right now is I walk your dog at Toby dot com?

utterance: Yeah.

utterance: Okay is that is that the email you address you have on file or would you like me to change it?

utterance: Yeah.

utterance: No no, this is

utterance: that's what I'm saying, yeah I just gotta update it with the new one.

utterance: OK. So you're are you a dog walker?

utterance: Yeah.

utterance: Actually, I, I, I started a company and now I have people working for me. I have people working for me and it's you know, I'm I'm starting a new endeavor, so I'm actually kind of dissolving the company. And, as you were saying, like the end of it, is Toby Solerno, you know it ended that way. So well, right now I'm just making this more of a personal account OK? Grabbing. Setting that for something else and Making this so if I can just update it, so it's more of a personal account here.

utterance: Nice.

utterance: OK.

utterance: Perfect!

utterance: OK. So we're keeping the one that I just read out to you?

utterance: No, no

utterance: No no no. We're doing a second one. Yeah, exactly. Thank you. So the new one is T like Tom.

utterance: OK, let's go ahead and change that.

utterance: Mhm.

utterance: Solerno six. So same last name, T Solerno six. The number six.

utterance: OK. .

utterance: The.

utterance: Number six?

utterance: The number.

utterance: Six at Gmail.

utterance: At Gmail.

utterance: Yeah.

utterance: Dot com.

utterance: Exactly. Dot com. Yeah.

utterance: OK. That

utterance: Has been updated. And did you have any other questions or is there anything else I can do for you today?

utterance: Yeah.

utterance: no that's it. That's it, thank you so much.

utterance: OK.

utterance: Well, thank you for calling Intellibank, Toby, and I wish you a great day.

utterance: You too.

utterance: Mm Bye bye.

utterance: Bye.


utterance: Thank you for calling. This is Craig Donaldson, how may I help you today?

utterance: Hi Craig. my name is Melanie Frigard and I was just hoping to get the available balance on my credit card.

utterance: Sure. Of course Melanie Frigard. I'm gonna need some information off of you just so we can make sure we got the right account.

utterance: Great.

utterance: can you start off by telling me your date of birth.

utterance: Oh, yeah. It's seven one and ninety nineteen ninety.

utterance: Nineteen ninety, what a year to be alive. And can you tell me your the last, your PIN number?

utterance: Mhm.

utterance: Four three three six.

utterance: Four three three six. OK. Let me look it up, Melanie Frigard, seven one ninety, there you are. You're looking for your available balance?

utterance: Yeah.

utterance: it looks here like it's twenty-five thousand.

utterance: Oh, what a good number to have available.

utterance: Yeah. You must have excellent.

utterance: Credit.

utterance: Well, I do.

utterance: Hey, since we're talking about my credit. Do you see what other cards again apply for.

utterance: Sure, absolutely. Let me take a quick look here Ms. Frigard.

utterance: let's see, I . Oh we have a very special one here that gets you all the mileage, and all the points you need to take that trip to Europe.

utterance: Can I open two of those?

utterance: open two of those .

utterance: You can only have one under your name but we could also have, you know, if you have spouse or family member that you've want to have a card with. Maybe we can open one for them.

utterance: Oh.

utterance: OK.

utterance: Sure, let me go ahead see what we got here. Who would you like to open the card for?

utterance: You know, I didn't really think about it before, before you asked so I have to check in and see who's reliable. Because I don't want anyone to mess up my credit score or anything cuz this is connected to my small business.

utterance: Oh great, OK, that's perfect so let's just get it. Will this card be under the name of your small business or will it be under your name?

utterance: I think it will be under the name of my small business.

utterance: Great. And do you have an account with us with your small business? What's the, the name of the small business?

utterance: Yes.

utterance: Oh.

utterance: I'm trying to remember which card I have connected to which business. Because I have a few small businesses.

utterance: Yes.

utterance: Yeah.

utterance: if you give me your last word of your social. I could look it up for you.

utterance: Oh OK. That'd be really helpful, thank you so much. It's eight three one zero.

utterance: Uh-huh.

utterance: Eight three one zero. All right. So it's shows here that you have the wine spritzer business.

utterance: Mhm.

utterance: Oh yeah, of course.

utterance: Of course, that make sense, yeah. Have you tried wine spritzers?

utterance: I can't say that I have, no. Yeah, sure they're delicious.

utterance: Oh wow.

utterance: They really are.

utterance: Yeah. Oh, that's great

utterance: Yeah.

utterance: hoping business is good for you.

utterance: Thank you, yeah. I could yeah. I can't really send you a sample or anything like that but and I don't recommend you try them if you're trying to do like low sugar intake. They're pretty sugary.

utterance: Oh.

utterance: Yeah.

utterance: Oh, no. I bet they taste sweet.

utterance: Yeah.

utterance: They, they taste very sweet.

utterance: Oh great, that's great. I'm sure they sound delicious.

utterance: Yeah.

utterance: Thank you.

utterance: so would you like to connect your new card with the the wine spritzer business?

utterance: what will the available balance of that credit card be?

utterance: Oh, we just have to run a credit check. And see how long you get approve, which I don't see any problem if your balance is twenty-five thousand on the other one.

utterance: OK.

utterance: Oh, we can do that right now.

utterance: When will I find out if I'm approved?

utterance: Oh, okay.

utterance: let's see. Let me type a new info and just like that. You are approved.

utterance: Oh, magnificent.

utterance: Yeah.

utterance: So, is your address still the same we have on file?

utterance: Yes.

utterance: Great. So we gonna send your card to that. It should be about two business weeks. is there anything else I could do for you?

utterance: OK.

utterance: I don't, I'm not sure. What else could you do for me?

utterance: well you know it seems everything we have here is in good standing for you so

utterance: Yeah.

utterance: Your up to date. we got you on all the important cards and all the right accounts. And yeah, your money is working well for you. We've done it all.

utterance: OK. So you've done it all then.

utterance: What a great call this has been. Thank you so much for your help.

utterance: Of course then good luck with the wine spritzer business.

utterance: Yeah, take a look for it in your local Seven Eleven.

utterance: OK, great. I I go to Seven Eleven everyday.

utterance: Perfect.

utterance: Great. I'm so happy to hear that. OK, thank you.

utterance: Thank you.

utterance: Bye.


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

utterance: Hey, how you doing Jerry? I was gonna stop by but I didn't really have time to stop by. I'm trying to just run out. So much going on. I just got so busy but I wanted to check on my checking what's the balance on my checking account?

utterance: Certainly happy to help you with that sir. I'll just need to ask a few questions in order to pull up your account and then I'll be able to answer that question is that OK?

utterance: Yes sir, proceed.

utterance: All right, and first of all what's your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is the name of the business that has an account with us?

utterance: Oh, it's Ray's Construction.

utterance: All right, and I'll ask a few more questions here Mr. Freeman for security purposes because we do here at Intellibank take account security very seriously and it's really for your protection. are you open to me asking these security questions?

utterance: proceed on.

utterance: All right, terrific and Mr. Freeman if I could just ask what is your date of birth?

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

utterance: OK, well thank you for that. And Mr. Freeman if I could just ask what is your checking account number with us?

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

utterance: OK, and Mr. Freeman what is your PIN number?

utterance: That PIN number is one seven zero nine.

utterance: OK, thank you for that Mr. Freeman and yes I was able to pull up your account and it does appear that you have a business total checking account with us and let's see here one moment.

utterance: Yes OK, and what's available when you get to. My other question what's available on my gold card?

utterance: absolutely happy to pull that up for you as well. as far as your business total checking account. The balance available in that account is four hundred and seventeen thousand six hundred and fifty-three dollars.

utterance: OK all right, that that that sound reasonable I just OK.

utterance: And Mr. Freeman in order to pull up your gold card I need the gold credit card number do you have that?

utterance: Yes sir, I have it right here.

utterance: OK, and go ahead with that.

utterance: That number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK, that number again is four zero three five seven nine three six six two six two zero nine zero six is that correct?

utterance: That's correct sir.

utterance: All right, thank you for that and let me see while I get this pulled up here for you. How's your day going for you Mr. Freeman?

utterance: it's been a good day. It's been a very good day. It's been raining a little bit but in traffic but it's it's been a good day I have no complaints.

utterance: Well that's terrific and you know you know rain is is pretty good too I guess depending on what business your in right?

utterance: Yeah, well sometime people drive fast. For some reason in the rain they speed I've never understood that.

utterance: Well you know I I would just say that it's mostly important to to keep safe and stay safe yourself. and hopefully the rain doesn't stop too many construction jobs for you.

utterance: Oh, yeah well you can't throw a rock in construction job. You have to go inside and work after that.

utterance: Well I mean do you all. Does your business do any of that you know interior work on building as well?

utterance: Yeah, I got some carpenters, some electricians too so other than the the other senior people.

utterance: The rain knock the senior people out but in in everybody plumbers and electricians, carpenters go inside.

utterance: Fully understand, Fully understand. And Mr. Freeman I was able to pull up your gold account and it appears that your available credit limit on that particular card or for your gold card is three hundred twenty thousand dollars as a matter of fact that is your available credit limit. And the account balance on that card meaning the amount used of the available credit line appears to be seventy-five thousand.

utterance: Yeah, yeah that's about right I had to purchase about a month ago that that's the reason that show up on there.

utterance: Well understandable and with that being said Mr. Freeman is there anything else I can assist you with?

utterance: Right now I. That's that you just you covered all the bases and I just got to do some little homework in the office you know? Move some numbers around and kinda go from there. But if I have any questions I'll be very quickly to hit you up Jerry.

utterance: Well again Mr. Freeman we certainly do appreciate you giving us a call today and you have a terrific day.

utterance: thank you. You too you have a good day.

utterance: Bye bye.


utterance: Hi, thank you for calling Intellibank. This is Toni, how can I assist you this evening?

utterance: Hi Toni. I got I got like a notification in the mail. Saying that like saying that I, I could have options of how my statements are delivered. and I mean what, I don't I don't understand what that means. I mean you mean like pony express? Or, or what? I mean that's kind of a novelty thing. They do that once a year, you know? What, you know, what do we do want.

utterance: Yeah.

utterance: I don't understand what this, what what this means, like delivery method?

utterance: Delivery method? So some people choose to have their bank statements mailed to them each month. So you would receive your statements in paper form each month. Other people are okay with paperless. So that would mean your account information is once you login your statement will be viewable as a PDF and you could just see look at your charges there.

utterance: Yeah.

utterance: Oh, yeah OK. That makes sense. OK, cuz I get my statements in the mail right now and what I do is I half the time I don't even open them. I just throw them right into the recycle bin. So we could just like skip a whole step of that and

utterance: Yeah.

utterance: I mean, you know, as the world becomes more environmentally conscious a lot of people want to save trees. So they prefer to have their bills electronically. Is that something you would like to sign up for with us today?

utterance: Mhm.

utterance: yeah, I think I think so. I think that, I think that it would be better to go paperless. I mean, what do you think? I mean just basically just just putting my account statements in the recycling bin, right? So

utterance: Yeah.

utterance: I mean from what you're saying it sounds like you're not really using them. But that, I mean, I'm not going to tell you what choice you should make cuz you are a valued customer here with Intellibank. And I want you to make what ever decision works best for you.

utterance: OK yeah I, I think that that decision works fine for me. You know. I mean every every now and then I have the statements and I could I could crumble them up and use them to start a fire with some good kindling or something. But like, you know that's like not that often. So I could probably use something else to then my bank statements to light the fire. You know?

utterance: Yeah.

utterance: Mm.

utterance: Yeah.

utterance: Right. I mean it is, but I will tell you it is a very popular option these days. I'd say more than half of our clients do actually get their their bank statements electronically.

utterance: All right. Cool. I'm ready to make the switch then.

utterance: All right. Great. Oh, thank you so much. You know. what's your first name?

utterance: You've convinced me. Very good.

utterance: my name is Steve.

utterance: OK.

utterance: S T E V E.

utterance: What's your last name Steve?

utterance: Conners. C O N N E R S.

utterance: OK. Steve Conners. What's your date of birth?

utterance: My date of birth is nine seven nineteen eighty-six.

utterance: OK.

utterance: Great. What is your pin number?

utterance: My pin number is seven three seven seven.

utterance: OK. And what is your business bank account number?

utterance: hells bells. I you know. Just give me a second here. I gotta, I gotta try to find this. I gotta.

utterance: Maybe you have one sitting around that you didn't end up putting in the recycling bin.

utterance: You know what you know I'm gonna have to go that's a good suggestion.

utterance: I'm gonna have to go look for this like maybe I could I could find it in the recycling bin on one of the statements that I recycled. And all right, I'm gonna have to. I'll have to. Well I'm not going to put you on hold. I'm just going to step away for a while. All right, I'll be right back.

utterance: OK.

utterance: OK.

utterance: You'll be OK? leave? Like you're not gonna hang up on me, are you? Cuz like I really don't want to have to call back. Because sometimes people you know they put me on hold and I'm, and I'm supposed to wait. But then the second I need to go find something they're like they'd call me back. I'm like.

utterance: No no no. No. No.

utterance: No.

utterance: Right.

utterance: Totally.

utterance: OK. You promise?

utterance: Yes. I promise. We I am going to be right here.

utterance: OK. Thank you.

utterance: Hey, I'm back. Good news, I found my statement. And I found I found my business account number.

utterance: Oh. .

utterance: Great! That was fast.

utterance: Sure enough.

utterance: Yeah, I mean it's it's like right there. You know, so wasn't going to be long.

utterance: Good job.

utterance: So my account number is eight six three seven nine five eight seven nine three.

utterance: OK.

utterance: Great. Excellent.

utterance: so I do see right now you are currently signed up for paper statements. And I just want to confirm with you we are going to switch you to paperless. So what that means is that you will no longer be receiving your monthly statements in the mail any longer. You will be able to retrieve them online or in the app with Intellibank. Are you confirming that change?

utterance: Yes, that sounds great. Thank you. Please do that.

utterance: OK.

utterance: Great. And you can change it at any time if you decide you want to switch back. So please just let us know. Is there anything else that I can help you with tonight?

utterance: I think that's it. Thank you very much.

utterance: Great. Well, thank you so much for calling Intellibank and have a great evening.

utterance: You too. Bye.


utterance: Hi there welcome to Intellibank. My name is Tee and who am I speaking with?

utterance: Hi this is Bob.

utterance: Hey Bob nice to meet you.

utterance: Nice to meet you as well.

utterance: Of course and how can I help you out today?

utterance: I really need to open a savings account. Start saving some money could you talk to me about some of this?

utterance: Of course absolutely. well starting off do you already have a checking account with us today?

utterance: I do yeah.

utterance: Great so if you'd like you can open an independent sings savings account or you can open a savings account account and link it to your checking account. It will make online and mobile banking really convenient for you. You can do withdrawals make deposits or transfer funds all online or on our mobile app.

utterance: OK very good.

utterance: OK great so would you prefer to go ahead and link a savings account to your checking today?

utterance: sure yeah.

utterance: OK great. And if you are able to deposit three hundred dollars into your account that's our minimum. And the twelve dollar service fee will be waived or you can deposit any amount you'd like if you don't mind that service fee.

utterance: no I can deposit three hundred that's fine.

utterance: OK great I will go ahead and get that started for you I just need some basic information to start off.

utterance: OK.

utterance: Bob what's your last name?

utterance: Thompson.

utterance: Thompson OK. and then what is your mailing address?

utterance: Five zero three Cochran Avenue Los Angeles California nine zero zero three six.

utterance: OK let's take a look here And is that the same address as on your license as well your driver's license?

utterance: that's correct.

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

utterance: four two one eight one eight two.

utterance: OK and how about the last four of your social?

utterance: Nine eight two five.

utterance: Mhm and could I get your email address?

utterance: Bobs Burgers at Gmail dot com.

utterance: Bobs Burgers at Gmail okey-dokey. And what is your four digit customer PIN?

utterance: it is one four three two.

utterance: One four three two and would you like to keep that same PIN for your new savings account as well?

utterance: please yes.

utterance: OK great.

utterance: Can I put you on hold real quick?

utterance: Yeah no problem!

utterance: Thank you.

utterance: OK I'm back.

utterance: All right and is this gonna be a or I'm sorry a business savings account or personal savings account?

utterance: it'll be a a a personal.

utterance: Personal OK sounds good. All right I'll go ahead and transfer three hundred dollars from your checking account into your new savings and that will waive that twelve dollar savings fee for you.

utterance: Oh thank you so much!

utterance: Of course and could I just confirm your bank account number?

utterance: Yes one zero zero three five seven.

utterance: Mhm and how about that routing number?

utterance: Nine three six five.

utterance: All righty. let me just take a look.

utterance: All right found you here. So I'd just be mindful that you always stay above that minimum of three hundred dollars that way your interest rates don't raise and you won't be charged that service fee monthly.

utterance: OK sounds good.

utterance: All right great and we have you all set up. Do you have any questions about your new savings account today?

utterance: I don't know is there anything I should know?

utterance: No I think we have you squared away. so long as you don't go under that minimum you'll never be charged a service free fee you interest rate will be locked in and you should be all set to do your online and mobile banking.

utterance: OK great thanks so much!

utterance: Of course! Well if you have any questions I'll go ahead and send you a confirmation email that way you can review and reach out if you need further assistance.

utterance: Thank you bye.


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

utterance: How you doing Jerry? I I got something in the mail that's. It looked like the interest rates were going up. Can you explain that to me?

utterance: Sure, I'll be happy to assist you with that. And let me just ask what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is the name of the business that has an account with us on file?

utterance: Ray's Subscription Company.

utterance: OK, thank you for that. And Mr. Freeman, I'm gonna ask you a few questions for account security purposes because we do here at Intellibank do consider account security as a top priority as we do this for your and your businesses protection. Is it all right if I ask you a few questions to verify the account?

utterance: Not a problem.

utterance: And Mr. Freeman, if I could ask, 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, well thank you for that. I was just about to ask that as well and Mr. Freeman, if I could ask, what is your business address?

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

utterance: And Mr. Freeman, what is the account number you have on file?

utterance: My account number I have on file is nine eight four six five nine one nine.

utterance: And the final verification question is what is the PIN number on the account?

utterance: That PIN number's one seven zero nine.

utterance: I thank you for that and Mr. Freeman I was able to pull up the account and I see that the notice was to inform you that the interest rate on your account will be increasing by point two five percent and that was a notification that we sent out to all of our customers letting them know that there has been an increase of the interest rates on the accounts for all of our corporate card customers.

utterance: OK. what is the ratio on my account for for this cycle?

utterance: the are you mentioning what is the account balance or wh~

utterance: Account balance for for for this cycle.

utterance: Oh OK. yes. Well the amount of the account balance due for this current cycle.

utterance: Yes sir.

utterance: OK yes. That apparently. Let's see if I can get this pulled up. it is twenty-seven hundred and fifty dollars is the account balance due this cycle.

utterance: Oh OK. Thank you. I just wanted to know what that were. I wasn't quite sure what that were. Thank you.

utterance: Yeah, not a problem at all and of course let's see here if I can.

utterance: Yeah watching the Braves and they won the World Series. I'm so happy about that.

utterance: Yes, yes indeed. The World Series is fantastic. they surprised a lot of folks a lot of folks were not expecting the Atlanta Braves but congratulations to you.

utterance: Oh yeah. We're happy for the break. We have suffered through a lot of the hardships with the Falcons. Thank god for the Braves.

utterance: Well indeed. It is quite something we get a world champion and again it's really a team that beat from my understanding some of the best there was to win it so you should feel very good about your Atlanta Braves.

utterance: Oh yeah, you feel good when wearing something with the Braves on it you know? Wear something with the Falcons on it you know, you might wanna hide it. Somebody get round you.

utterance: I hear you, I hear you. Well Mr. Freeman just to ask, are you aware at all of how you're able to check your account balance on our website?

utterance: I hadn't did it. My assistant usually do it. Can you send it to me?

utterance: Sure, sure well it's quite simple Mr. Freeman. All you have to do is visit our website and if you have your username and password you if you are able to access our website. If you don't have a username and password then you simply create your own of your choosing. Takes less than thirty seconds to create and you can then log in and from the website check what your current account balance is. You can of course see what your available credit limit is of course you can see what other cards you may have on file with us, your employee cards you'll be able to monitor all of that from our website.

utterance: Oh thank you. That's great information. Thank you, I got that now. I'll do that next time. Thank you.

utterance: Not a problem at all and of course you should always are welcome to give us a call here at the helpline as well. these are just additional options for your convenience.

utterance: Oh yeah, I appreciate it. That's good. It's great options.

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

utterance: No, that'll be all.

utterance: Well we certainly do appreciate you and your business.

utterance: Thank you very much.

utterance: You have a great day.

utterance: You too. Bye bye.


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

utterance: Yes I was wanting to know if. What kind of commercial loans that you offer?

utterance: Absolutely. We off term loans, secured loans, real estate loans, and then we offer SBA seven A and SBA five oh three loans.

utterance: OK All right well never about that. I recently had to fire my accountant and I have obtained a new accountant. And I need to remove access from the old accountant I guess. I don't know how or what to do.

utterance: All right well the easiest way to do that is we can go ahead and just change your authentication pin. so if they did try and call for any reason the pin number that they have would no longer work to authenticate them as having access to your account.

utterance: Ok. That sounds good. Is that something you can do now?

utterance: Absolutely. Let me go ahead and get a few pieces of information from you. Can I have your name, please?

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

utterance: Thank you and can I have your current authentication number?

utterance: One zero six two.

utterance: All right thank you sir. And can I have your date of birth, please?

utterance: May twelfth nineteen sixty.

utterance: Thank you and I got that pulled up. And if you could verify me verify for me once again your old pin number.

utterance: One zero six two.

utterance: Thank you and do you have a pin number in mind that you would like to change your new pin to?

utterance: How about two one three four?

utterance: All right and just to confirm that's two one three four?

utterance: Yes.

utterance: All right sir. OK. I've gone ahead and made that change in the system and your new PIN is now active as two one three four.

utterance: OK that sounds great.

utterance: All right sir. Is there anything else that I can assist you with?

utterance: Well, I can't think of anything? You having a pretty good day?

utterance: I am having a fantastic day today, sir.

utterance: That's great.

utterance: It most certainly is. How's your day going?

utterance: My day's going pretty good.

utterance: You know that's wonderful to hear.

utterance: Can you tell me what kind of credit cards that you offer?

utterance: I certainly can. We offer an Intellibank business platinum credit card, an Intellibank business gold credit card, and an Intellibank business silver credit card. Would you like more information on any of those cards?

utterance: Can you tell me what the maximum credit line would be?

utterance: The maximum credit line would be available for our business platinum card and it would depend on the credit rating of your business and the assets of your business. but the absolute maximum that you could potentially get would be five hundred thousand dollars.

utterance: OK that sounds pretty good.

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

utterance: I can't think of anything.

utterance: All right sir may I interest you in setting up online banking today so that you can more easily access your bank account information and reset your PIN at your own convenience in the future?

utterance: yeah that'd be great.

utterance: All right, sir. Let me go ahead and verify your email address. Is that still D Thomas at ABC dot com?

utterance: Yes, it is.

utterance: All right thank you. And is that the email address that you would like to have your online banking communication sent to?

utterance: Yes.

utterance: All right. And I have generated a user name and a temporary password for you if you are ready to write those down.

utterance: OK, I'm ready.

utterance: All right. Your user name is going to be D Thomas zero three.

utterance: OK.

utterance: And your temporary password will be L B seven two M six and those are all capital letters.

utterance: OK.

utterance: All right, sir and so now all you'll need to do is go to the Intellibank dot com website. Log in with that information. It will prompt you to create a unique password and then guide you through the rest of the setup.

utterance: Ok, that sounds pretty easy.

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

utterance: I don't believe so.

utterance: All right well if you don't mind the sticking around for just a moment. There's going to be a brief survey. You can let us know how we did and how we can better service you and your business in the future. And if there's nothing else I can assist you with then you have a great evening.

utterance: All right, thank you.

utterance: Thank you.


utterance: This is Byrd of Intellibank, how may I help you today?

utterance: Hi Byrd I'm just calling today to get my loan statement.

utterance: OK.

utterance: usually we go ahead and get it through email, but my husband also wants a paper one just for our records.

utterance: OK.

utterance: is that something you can help me set up today?

utterance: Absolutely, I'll just need a bit of information before I can get to it so I wanna start off and ask you your first, last name and date of birth.

utterance: Of course, so my name is Patricia Parke. And that's P A T R I C I A. Parke. And that's Parke with an E, so P A R K E.

utterance: Mhm.

utterance: Mhm.

utterance: Got it. OK, and your date of birth?

utterance: nine five nineteen eighty-one.

utterance: Nine five nineteen eighty-one?

utterance: Nine Oh nineteen OK, sorry yeah. Nine five nineteen eighty-one, got it. OK, OK, got it, I have that. Now what is the account number that we're going for?

utterance: Nineteen eighty-one, yes.

utterance: I'm sorry, we we have so many

utterance: I can also do your credit card that you have on file as well and the PIN.

utterance: OK, yes, let's do the credit card. I'm actually pulling up to my house right now, hold on one second. Jamie, can you pull the car around? OK yes, you can let me out right here. Yeah, sorry about that my assistant sometimes. anyway, I'm going into the house right now, so just give me one moment, I don't usually don't carry this card on me. One second.

utterance: OK.

utterance: All right.

utterance: Oh.

utterance: OK.

utterance: OK yeah, I can do that.

utterance: OK, I do have the card in front of me right now, are you ready?

utterance: I am.

utterance: OK, that's three three two seven.

utterance: Three three two seven.

utterance: Seven six five one.

utterance: Seven six five one.

utterance: Seven one three four.

utterance: Seven one three four.

utterance: Eight eight nine two.

utterance: Eight eight nine two.

utterance: And you need the PIN as well?

utterance: Yes.

utterance: OK, that's six six six five.

utterance: Six six six five. OK, and what would your superpower be if you could have a superpower?

utterance: Hmm, what would my superpower be? I feel like I can't complain too much in life, I've got, you know, I can't complain, got pretty much everything I want, superpower.

utterance: Yeah, think of which one you wrote down as the answer. Yeah, I I would like

utterance: Oh, oh, oh. It's something I already wrote down I thought that you were just

utterance: Curious.

utterance: You know. To know too, but you know.

utterance: You have, you have an exact answer for it. So it's.

utterance: Oh.

utterance: I made this account so long ago, let me think, what would I OK, so I made this account ten years ago. OK, yes I wasn't, I wasn't doing quite as well financially back then. what would I have wished for my superpower to be? probably to make money grow on trees.

utterance: Mm.

utterance: Mhm.

utterance: OK. Yup, make money grow on trees, OK, that's a good one. OK, I mean, I'd like that too, because I don't think I'm making as much as you are right now, let's be honest.

utterance: Well you never know, you know, when there's a will, there's a way and you can start from the bottom and make it to the top.

utterance: Yeah, there you go. All right so, you said you wanna have, you have it electronically now, but you wanna have a paper statement as well.

utterance: Mhm.

utterance: Yes, we're we we've been expanding quite a bit recently and you know when we go to our accountant it's it's just easier for him when we have these things on file instead of having to pull up emails.

utterance: OK, I understand that, all right what is the address, is it the same address? Are you still at twelve thirty-six seven North Street?

utterance: No, no, no, we moved out of that slum. we're actually at fifty-two fifty-one Main Grand Ave.

utterance: Main Grand Ave? OK. And is, what is the ZIP code of that?

utterance: Mhm.

utterance: Nine zero zero five one.

utterance: Nine zero zero five one, OK.

utterance: And yes, that's still in LA.

utterance: OK, great. All right, so I have that change of address and let me click on this, boom. OK, so it usually takes about, since this is a new address, it usually takes about a a week for it to process but, you will have a new statement come in the mail next week.

utterance: OK, that's great, this has been easy as pie.

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

utterance: No I think that's it, but speaking of pie, what's your favorite type? we're looking into getting into the pie business and you know, every person I meet recently I just gotta ask just to put some feelers out.

utterance: Well you know, my grandma made this really interesting, it was like a a peach pie.

utterance: Peach pie, OK.

utterance: But she made it

utterance: Like a like a crumble on there, it was really interesting but, yeah I'd say peach. I'd say peach.

utterance: Peach?

utterance: OK, I'm, I'm, I'm gonna clock that, so peach pie OK great, thank you so much.

utterance: Yeah, thank you again for being a valued customer and you have yourself a glorious day.

utterance: OK, you too.

utterance: All right, bye bye now.


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

utterance: Yes I would like to know if there's an easier way to make my Intellibank business gold card payment?

utterance: yes sir if you would like we can set up automatic credit card payments. that way you can actually have that deducted from your account at a specific date each month and you won't have to worry about that payment every again.

utterance: OK do I have to go to a branch to set that up?

utterance: Also do I have to set the also do I have to set it up for the same date that it's already due?

utterance: so you don't have to go to a branch to set that up. I can actually set that up for you right over the phone if you like and also you can actually choose the due date you would like to go ahead and set that up to come out every month. Usually it'd be best to set it up before your normal due date, but again if you would like to set it up after that date we can actually set that up and it'll it'll come out at each month from now on.

utterance: OK.

utterance: OK sir you go you wanna go ahead and set that up with us today?

utterance: Yes ma'am please.

utterance: All right sir I'm gonna need a little bit of information from you so I can go ahead and pull your account up in our system, and set up that payment for you if you don't mind?

utterance: OK I don't mind.

utterance: All right sir first of all I'm gonna need your first last name and your date of birth please.

utterance: Yes my first name is Gabriel my last name is Robinson. My date of birth is ten four one nine seven four.

utterance: All right you said your name is first name Gabriel last name Robertson, is that R O B E R T S O N?

utterance: no, that's R O B I N S O N.

utterance: Oh, Robinson, I am so sorry sir. so you said your name is Gabriel Robinson, R O B I N S O N. OK.

utterance: Yes.

utterance: All right I'll go ahead and put that in the system. and your date of birth is listed as ten twenty-four nineteen four?

utterance: Yes.

utterance: All right sir, thank you so much for that.

utterance: And could you give me the PIN that you have established on this account please?

utterance: Yes, that PIN is four four nine five four nine.

utterance: OK sir, again that PIN is four four nine five four nine?

utterance: Yes.

utterance: Thank you, that is exactly what's in our system. and could you please give me the credit card number you have on file with us sir?

utterance: yes hold on please, I got that somewhere.

utterance: All right take your time sir.

utterance: All right, thank you for your patience.

utterance: OK I got that, it's four five three nine six eight five four eight eight two three three six two eight.

utterance: OK sir, to verify that number was four five three nine six eight five four eight eight two three three six two eight. Is that correct?

utterance: Yes.

utterance: OK thank you so much sir. Could you give me the account number you'd like to use to to make this payment each month?

utterance: Yes the account number is four oh nine five five two three one five seven.

utterance: OK to verify that number was four zero nine five five two three one five seven?

utterance: Yes that's correct.

utterance: OK thank you sir, and could you give me the routing number now please?

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

utterance: OK sir, so that routing number is five one one three four three six seven eight?

utterance: Yes.

utterance: OK sir it looks like you currently have a balance due of two thousand four hundred and ninety-six dollars in our system. your due date is normally around the twenty-fifth of each month, and your minimum payment is listed as one twenty-five. how much would you like to set up that payment for now sir?

utterance: could I do one fifty?

utterance: All right sir you can definitely do one fifty per month, and what payment day would you like to establish?

utterance: could I get that on the twentieth?

utterance: Oh yes sir, you can absolutely put that on the twentieth.

utterance: could you give me just one moment while I go ahead and set this payment up in our system please?

utterance: OK.

utterance: All right Mr. Robinson, I have gone ahead and set this payment up in our system. you have asked for it to be month from here on out. and the payment date to be on the twentieth of each month.

utterance: This will be a recurring automatic deduction from your account in the amount of one fifty.

utterance: And since you've already set this up before your current due date, it will begin to process this month. So from the twentieth of this month and here on out, until the duration of this credit card payment balance is payed off you will be charged the one fifty per month. Is that all right?

utterance: Yes that sound great.

utterance: OK sir and I'd like to let you know that our online banking customers can actually log into their accounts online, and check this balance can create automatic payment in the future. Or if you would like to learn more about your credit card payments you can go online and check that.

utterance: All right thank you.

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

utterance: No that's it.

utterance: OK thank you so much Mr. Robinson for your time and your patience. Again my name is Gianna and I hope you have a glorious rest of the day.

utterance: Thank you, you too.

utterance: All right, thank you sir bye bye.


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

utterance: Oh, hello. My name is Charlene and I need to know some information about my investment.

utterance: Absolutely. I can go ahead and help you out with that. Would you like to request an investment report?

utterance: Yes please, if that's possible.

utterance: Yes, absolutely. I can go ahead and help you out with that. First, I'm going to ask some information from you. First, can I have your name and date of birth please?

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

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

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

utterance: all right. And the account number?

utterance: OK. My account number is three five four six six eight seven nine two four.

utterance: All right. One second. And would you like this delivered online or through the mail?

utterance: through the mail.

utterance: OK. I can go ahead and send that out for you. Can you just confirm to me your address?

utterance: OK. That will be nine three three Lakeside Street Allen City Texas State and the code will be seven five zero four one.

utterance: All right. Thank you for that. All right. I have gone ahead and I submitted that request for it to be sent out and you should receive it in three to five business days.

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

utterance: Oh, the weather's so nice. Thank you for asking. It's very warm and very sunny where I live. How about the weather with you?

utterance: Oh, it's also warm over here. Very sunny. I'm I'm hoping it stays for this for quite some time.

utterance: Yes. Absolutely. Me too. All right. And would you like to know more about online banking so you can request a report easier in the future?

utterance: Yeah. I'd like to know more about it.

utterance: Yeah, so we provide online banking through our app which you could download at the App Store. And within the app, you could do many things that you can do at a branch or with customer service such as checking your account balance, checking your transactions, or making deposits such as check deposits or transfers. You can also access and edit your personal or business information such as your email address, your phone number, and you could also request documents and schedule appointments.

utterance: OK. That's interesting to know. And what about the security features? Like how secure is the app?

utterance: Yeah, so the app is very secure. you would need to have your username and password every time you log in. And if you have a smartphone, you can also request face ID features. So you'll have to to have a face ID every time you log in.

utterance: OK. That's interesting. So I can log in through my face ID?

utterance: Yes. Correct.

utterance: Oh, OK. That's good to know. And are there any charges to it?

utterance: no. There's absolutely no charges.

utterance: , uh-huh. And any requirements for me to have the app?

utterance: no. No no requirements as long as you have an account with us.

utterance: Oh, that's good to know. I'll try it out in case I run into any trouble. Try it. I'll definitely call back.

utterance: Absolutely. No problem. All right. Have a good day.

utterance: You too.


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

utterance: Hello. I would like your help with adding something to my account.

utterance: Sure. you want to add an additional credit card?

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

utterance: Sure. what is the first and last name?

utterance: Alexander Lopez.

utterance: And your date of birth sir?

utterance: Six six sixty-two.

utterance: OK. And what's the PIN number on the card?

utterance: That's nineteen sixty-two on the birth date.

utterance: Oh OK. And do you have your account number?

utterance: Yes. Hold on please.

utterance: How's the weather?

utterance: Oh, it's pretty good. Can't complain.

utterance: OK. So the account number is two oh seven three one nine eight five nine two one oh.

utterance: That was two zero seven three one nine eight five nine two one zero?

utterance: That is correct.

utterance: All right, sir. And the new user's first name?

utterance: Did you want the PIN number?

utterance: Oh, wasn't the PIN number your I'm sorry sir. You said six two six two. Correct?

utterance: Yes.

utterance: OK. I was gonna say. I thought we already discussed that. All right. So again, the new user's first name please?

utterance: Lisa Lopez.

utterance: L I S A L O P E Z?

utterance: Yes.

utterance: And the new user's Social Security number?

utterance: Zero eight two four two one zero zero two.

utterance: Thank you for that information. And what is the desired limit you want on this card?

utterance: Sure.

utterance: Twenty thousand.

utterance: Twenty thousand. OK. And the shipping address?

utterance: It's gonna be three one six, North East Forty-third Street, Fort Lauderdale, Florida, three three three zero eight.

utterance: Thank you for that information. And you said the ZIP again was three three three zero eight?

utterance: Yes. Three three three zero eight.

utterance: Thank you sir. And the new user's PIN number?

utterance: Can you hang on a second?

utterance: Sure.

utterance: OK. Six three six three.

utterance: Very nice. And the new user's date of birth?

utterance: Eight twenty-nine seventy-three.

utterance: That was eight twenty-nine ninety seventy-three?

utterance: Yes.

utterance: Alrighty sir. And you're going to be adding a new user to the card ending in zero seven three eight?

utterance: Yes.

utterance: Yes. OK. No problem. Let me just get that information into the system for you. Hold on brief moment. OK?

utterance: Sure.

utterance: All right. So I have everything I need here and your new card will be arriving in the next five to seven business days. Is there anything else I may help you with today?

utterance: that's gonna be it.

utterance: All right. Well you have a great day. Again, my name is Lori. Thank you very much Alexander.

utterance: OK. Thank you very much for your help Lori.

utterance: You're welcome. Bye bye.

utterance: Bye bye.


utterance: Hello! Thank you for calling Intellibank. My name is Thomas. May I help you?

utterance: yeah. My name is Ian, and I need to do a transfer from one of my business accounts to another one of my business accounts.

utterance: absolutely, yeah. May I have your last name too?

utterance: There a way I can do this that doesn't involve me calling next time?

utterance: absolutely. You know. Have you enrolled in our online banking system or app?

utterance: no. I I. I'll I'll do that. I guess we'll we'll take care of it this way this time, and then I'll I'll look into that.

utterance: Absolutely.

utterance: yeah. So I just wanted to transfer from one business account to the other.

utterance: No problem, man. Can I get your last name please?

utterance: yeah. It's Wentworth.

utterance: Wentworth. That is W E N T W O R T H?

utterance: Correct.

utterance: OK. And your first name is Ian?

utterance: Yes.

utterance: What is your PIN, sir?

utterance: my PIN is eight eight oh one.

utterance: OK.

utterance: And that was my business account PIN, correct?

utterance: Yes sir! I see, it worked here. We only have business accounts here at Intellibank. It's just

utterance: Great.

utterance: Oh got you.

utterance: OK.

utterance: so

utterance: Really?

utterance: You guys don't do You don't do personal banking?

utterance: No, sir. We're business account only bank.

utterance: Gotcha.

utterance: Interesting.

utterance: Yes.

utterance: Interesting.

utterance: Absolutely! So I see your information here. Which checking account would would you like to use to take the money, and I also need the account number for where you would like to place the money. So, if you can provide those two accounts that would be great.

utterance: Yeah. I I'd like to take three thousand dollars from the account five two seven nine four eight nine five, and send it on over to the account three two four zero nine six seven seven.

utterance: OK. So, I take the.

utterance: Oh

utterance: Wait, actually it's nine six seven six. Sorry about that. Not nine six seven seven.

utterance: OK. So, let's. First, I'm going to get the account number that from where you would like to transfer the money from. So, we'll start with that one first.

utterance: OK, that one is five two seven nine four eight nine five.

utterance: OK. I'm in that account. And you said that you would like to transfer three thousand dollars, is that correct?

utterance: Correct.

utterance: OK. And I see you have three accounts with us, so which one would you like this three thousand to go to?

utterance: Into the three two four oh nine six seven six.

utterance: OK. No problem. I will just type that in. So.

utterance: How long is this gonna take? How long until the the money actually gets from one account into the other?

utterance: Well, as soon as I press enter which I am doing now. it's instantaneous because it's between two accounts at the same bank, it's very fast and .

utterance: Wow!

utterance: That's great.

utterance: If you ever do get around to going online and and setting up your profile there or using the app, you can do this yourself and it's probably even faster because you don't have to go through my prompts and read the numbers and everything. It's all very simple. Push of a button.

utterance: Huh, that sounds good.

utterance: I don't know though. I think I'll keep calling. I like this personal interaction, you know?

utterance: Sometimes it's nice to talk to other people.

utterance: Oh, yes! Very much so!

utterance: Yes. Especially when a lot of lockdowns and stuff going on still. So, always nice to hear another human voice every once in a while.

utterance: That is right! so, what else do we have to do to to take care of this? Is this. Is the money in the account now?

utterance: It's already there, sir. So. Yes. Absolutely, could. Would you like any other transfers or any other information before .

utterance: Wow!

utterance: Oh

utterance: Let me think. Man, while I have you here I thought I had to do another transfer, but.

utterance: I don't have my third account number on me, so I think I'm gonna end up having to call back unfortunately.

utterance: OK, sir. I mean, I already know it's you, and you're verified. So I can tell you the other account number and just make sure that that's the right one and.

utterance: Oh, I don't the dollar amounts or anything like that. I think it's just gonna be easier if I do this later.

utterance: OK, no problem! .

utterance: But thank

utterance: You for the initial transfer. That was very simple and easy, and you were you were great.

utterance: No problem, sir. Any time. And you know, if you would like to sign up for online banking, great! But if you would like to talk to a person every time, by all means please give us a call anytime you'd like.

utterance: Great! Thank you so much! You've been very helpful today.

utterance: Thank you very much. Have a great day!

utterance: You too! Bye!


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

utterance: Hey Mckenna. How are you?

utterance: I'm doing well. How are you?

utterance: doing good just a little little say aloof might be the word that the kids use today. trying to figure out you know I'm not too good with this whole like online world and I'm not too sure about it and I don't really trust it and I'm just wondering like what is my loan balance? I've been trying figure out how to get my my loan balance on my business loan and I just I I don't know how to do it.

utterance: Oh.

utterance: Well you came to the right place. I can absolutely help you.

utterance: Yeah I mean I just keep which is probably kind of dumb of me. I just keep paying and paying and paying and.

utterance: Mhm.

utterance: Not even sure if I have to keep paying.

utterance: OK all right. I totally get it. I am here to help. Let's start with your first and last name.

utterance: my name is Jeff Baldini.

utterance: How do you spell your last name?

utterance: B A L.

utterance: Uh-huh.

utterance: D I.

utterance: Uh-huh.

utterance: N I.

utterance: OK Mister. Is it Baldini or Baldini?

utterance: Baldini.

utterance: Baldini. OK and what is your date of birth?

utterance: It's one twenty-five.

utterance: Mhm.

utterance: Nineteen sixty-one.

utterance: OK and what is your PIN number?

utterance: the PIN is two five six one.

utterance: OK and do you happen to have your loan account number?

utterance: yes I do.

utterance: OK I'll take that whenever you're ready.

utterance: All right that one is oh seven three.

utterance: OK.

utterance: Four eight six. One oh nine.

utterance: OK. OK so you're just wanting to know your balance?

utterance: Yes please.

utterance: Like what you owe?

utterance: Yes.

utterance: OK so you owe one thousand two hundred and twenty dollars.

utterance: Oh see? all right. So I I knew I was getting close to having it paid off.

utterance: Mhm. Yeah. you're like really really close. Did you wanna like just pay that off today? I can help you with that or what were you thinking?

utterance: You're up to date on all of your payments. It's not like you're behind.

utterance: Right.

utterance: You know you could just pay this off today if you wanted to but next month's payment will be three seventy eight.

utterance: OK. I think I'm just gonna hold off on paying that off and just keep doing the monthly payments and you know have it banged down a few months.

utterance: OK.

utterance: Yeah. It'll be it'll be done in a few months. No problem.

utterance: Now is it the the best way to keep doing it the way I've been doing it and just send checks in or?

utterance: Yeah.

utterance: Well actually I was thinking that we should set you up for online banking.

utterance: OK.

utterance: because first of all you wouldn't have to call me. You can go in, you can look at your balance, you can you can transfer funds, you can pay it. You're on your own. You can pay more. Like I said you know you can do a a a higher payment if you would like too. you really. I think you would really benefit from online banking. What do you think?

utterance: OK well let let me ask you this would I be able to update a phone number by chance cuz I I also need to that. I bother you to do that or wait and do it online or?

utterance: Yeah.

utterance: Yeah.

utterance: Well how about this? I'll send you. I'll go ahead and send you all the information that you need to do to sign up for the online banking cuz it's really fast and simple.

utterance: OK.

utterance: Once I send you the link but while I have you on the phone I'd love to update your phone number for you.

utterance: OK.

utterance: You know just because you're on the phone it'll be convenient but what is your email address?

utterance: It's Jeff B Nineteen sixty-one.

utterance: OK.

utterance: OK.

utterance: At Gmail dot com.

utterance: Now is that J E F F?

utterance: Yes it is

utterance: OK.

utterance: And is that a capital J?

utterance: Yes it is.

utterance: OK. Perfect. All right. So I'm gonna send over a link for you to start the online banking process. It's so simple. It'll take you through step by step. If you happen to have any questions you can always call us back and we will walk you through it but I really don't think that you would need to. It'll it's just so self-explanatory but we are here until eight p.m. Eastern if you do have a problem with that but so but I would love to just. You just need to update your phone? Is that what you told me?

utterance: OK.

utterance: Yes I do please.

utterance: OK so let me just do that for you while I have you on the phone. Now just just whenever you're ready just give me the phone number and I'll update that for you.

utterance: OK so the old number is three oh two.

utterance: Mhm.

utterance: Uh-huh.

utterance: Five five five.

utterance: Right.

utterance: Nineteen seventy-six.

utterance: Right and what's the new?

utterance: The new one is three oh two.

utterance: Mhm.

utterance: Five five five eight nine seven seven.

utterance: OK so let me just repeat that back to make sure. So it's three oh two five five five eight nine seven seven.

utterance: Correct.

utterance: For the new one. OK. All right so that's updated and you're on your way for the online banking. I already started that for you and while I have you on the phone is there anything else I can do for you?

utterance: No that's everything.

utterance: OK perfect. You have a great evening and thank you for calling.

utterance: Thanks you too.

utterance: Bye bye.


utterance: Hi, this is Danny Brooks at Intellibank. What can I help you with today?

utterance: Good morning, good morning Danny. the reason for my call is I just wanted to get in touch with someone and I wanted to verify what my net income is.

utterance: OK, we can do that for you today. I'm just gonna take a moment to pull up your account, so I can check your net income.

utterance: Sure, sure, sure. No problem.

utterance: can we start with verifying some of your security information?

utterance: Yes, sure.

utterance: OK, so I'm gonna start with, can we get your full name?

utterance: Yes, my name is Marc, with a C.

utterance: Marc with a C.

utterance: And last.

utterance: Name is James.

utterance: OK. Marc James. And can I verify your credit card number please?

utterance: Yes. It's one five three two four six one nine six six three four zero five zero two.

utterance: OK. And just to confirm, that's one five, three two, four six one nine six six three four zero five zero two.

utterance: You got it. That's correct.

utterance: OK, great.

utterance: OK, and I'm gonna run through some security questions for you. So, the first one is, what street was your mother born on?

utterance: hold on, let me, she's in the other room. Let me go. Hold on, no. Actually, no, I know this. No, it's Oh, she was born five sixteen South Spring Street.

utterance: OK, South Spring Street. Great. OK, and second one is, what was the name of the school you went to in elementary school?

utterance: Yeah.

utterance: Oh, I went to it was called A L Burrs elementary.

utterance: OK, and that's Burrs with a B?

utterance: Yeah, yeah. And two Rs.

utterance: OK.

utterance: OK. thank you for verifying your information. Do you have a specific time period that you wanted to check your net income for?

utterance: Yes. I wanted to check from January of twenty twenty one to April.

utterance: OK. just give me one moment please while I pull that up for you.

utterance: Sure, no problem.

utterance: OK, so, January through April?

utterance: Yes.

utterance: It says that your net income was two hundred thousand dollars.

utterance: OK, all right. And all right. So based on. That's higher than I thought. So that's that's pretty good. yeah OK so that, that definitely OK, that is higher than I expected. OK. That's not. Well, based on that I've been interested in in potentially getting a loan. And and and I wanted to I, I already have the Intellibank Business Gold card.

utterance: Oh of course.

utterance: And.

utterance: Yeah, and so, I've, I've had that for a few years. I really like it, I, I, I love having this account with you. And so now wait, I'm thinking, I maybe want to get a real estate loan from, from you. So, would I be able to qualify for that? And.

utterance: yes, looking, looking based on your net income, it looks like you would be able to qualify for that.

utterance: OK.

utterance: Do you have an idea of how much you would be asking for?

utterance: Yes. So, I'm, I'm looking for a hundred thousand dollar loan.

utterance: OK.

utterance: I'm looking to close on a property in the next thirty days. So, not only do I need that amount, but I I I would need that amount secured in the next thirty days. Would that be possible to do?

utterance: OK, well you've been a loyalty member for a long time now, so I think we would be able to expedite that for you.

utterance: Yeah? Oh that's. OK. Great. Great. So how do I if I want to do that, would we get started like on the phone, or would I have to apply online, or what's that process look like?

utterance: Since this is a quick turnaround for us, I'm gonna start putting it into the system right now for you, but we are gonna have you go ahead and complete the final application online. But I am gonna put a note in the system right now, so that they can get to this right away and expedite it.

utterance: Sure. Yeah.

utterance: That's so helpful. Yes. I, I love that.

utterance: So we're gonna have our branch manager Jim Jones, he's gonna call you.

utterance: OK.

utterance: Just to verify your information and get the ball rolling on this, so that we can get you your loan as quick as possible and get you your new home.

utterance: Oh, that sounds great. Thank you. OK. yeah and you could call me any any time of the day, I have my phone on me, and if you don't reach me, and you leave a message, I'll call back.

utterance: OK, great. What's the best number to reach you back at?

utterance: Immediately.

utterance: You can reach me at nine one six four three zero.

utterance: Mhm.

utterance: One six four two.

utterance: OK, and that's nine one six, four three zero, one six four two?

utterance: Yes.

utterance: OK, great. So you should be expecting a call from us as soon as you put your information into the system. I've already flagged your application, so it should be good to go as soon as possible.

utterance: Perfect, yeah, I, I'll do that immediately. And, can you send like me an email with all this information?

utterance: Yes, of course. What where would you like that to go to?

utterance: You can send it to M J S Airway at Gmail dot com.

utterance: OK and that's M G S Airway at Gmail dot com.

utterance: Yes, yes. Oh, what's your name again?

utterance: my name is Danny Brooks.

utterance: Danny Brooks. You, you've been so helpful. I I really appreciate this.

utterance: Oh, thank you. Of course.

utterance: All right well then, no, that's, that's everything I need, so.

utterance: OK.

utterance: Well you're all set, have a lovely day.

utterance: Great, you too. Thank you.


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

utterance: Hello Maxwell. I am just kinda like scattered and running around here in the middle of a bunch of things. Got a bunch of meetings and I just heard about a property that's gonna be up for sale that I'm interested in getting, but I just don't know if I can afford it right now, and I'm like kinda weighing my options and also seeing what's out there as far as any kind of loans. might have to get another credit card. it's just kinda like a real transition period for my business and I just heard about this opportunity and I don't wanna let it slip away. I also don't know if the timing's right, so I'm just like calling all the places I'm dealing with as far as my money and my financial advice and everything and just seeing if there's any way that I can make this happen. So you know, just seeing if you could help me today.

utterance: Absolutely, I can help you with that. And are you an existing Intellibank customer?

utterance: Yes, I am.

utterance: All right. Well, the best way to get started is for me to pull up your account..

utterance: Mhm.

utterance: So just let me just ask you a couple of pieces of information here so we can get started.

utterance: Yep.

utterance: first off, what is your full first and last name as it appears on your account?

utterance: my name is Leo Davis. But I'm. I think on my accounts, Leonardo Leonardo Davis. is that all you asked?

utterance: that was the first thing, Mr. Davis.

utterance: OK.

utterance: now I'm going to need your current street address including the city, state and ZIP.

utterance: Oh, yeah. Of course. It's three six nine East One Hundred and Third Street, and that is down in it's like technically down in Compton, but It's The ZIP is nine zero zero two nine.

utterance: All right, and I'm gonna need your full social security number.

utterance: OK. It is seven two eight nine nine one six zero two.

utterance: All right, and then can I please get your driver's license number, or the number from your state issued ID.

utterance: Why do I have to give so much information just to like get information about a loan? I'm not like. I'm not asking you to look at my account. I'm not asking for you know, any of my personal information. I usually have to give my tax ID number and not my personal social security number. I just.

utterance: Sorry.

utterance: About that.

utterance: I just don't know why I'm getting asked all these questions when I'm just trying to get some information. I'm not asking you to move money for me or anything. It's just I don't even know if. I mean, already I know this call was worthless because I'm wasting my time. But, it just, you know. I'm hoping you can give me some information before I have to go running to this meeting because, you know, I don't even know if you offer real estate loans. So I'm just trying to ask that question. I don't wanna like have to go through all my prompts and all these things because I'm not doing anything with my account today. I'm just seeing. I I prove that I'm a member of this bank, and I just need some information about real estate loans. If you have them. Do you have them? I I mean otherwise I'll just hang up now.

utterance: No.

utterance: Well, I'm very sorry about that, sir. We do have real estate loans. and to continue on with this process I am going to need unfortunately, your driver's license or state issued ID.

utterance: Mhm.

utterance: Great.

utterance: Why?

utterance: Well, I'm trying to pull up your account.

utterance: But I've called Intellibank and I'm also a member of like Chase Bank and Bank of America. Like, every time I call them it's just a quick, like, oh, you know, I see you're calling from this phone which is in our system, so we only have to ask you your PIN number cuz we know it's you, you know. I I've already answered my street address, I've given you my social security. My personal social security, which is never asked of me. I usually give my federal tax ID. Being a business owner, on a business bank and then I.

utterance: I

utterance: I will also be asking for your federal tax ID eventually, just just so you know.

utterance: Well, I can also give you my inseam for my pants, and I can give you like I wear an extra large T-shirt.

utterance: That will not necessary. But we do have multiple questions still to go.

utterance: OK, well I I seriously do not have time for this. I gotta I I told you I'm going into a meeting. I appreciate your time, but I I'm not interested thanks anyway.

utterance: If you'd like to continue.

utterance: Well, I'm sorry to hear that. is there anything else I can help you with today? Hello? Hello? Mm, boy.