utterance: Hi, thank you for calling Intellibank. This is Jenna speaking. How may I assist you today?

utterance: Hi Jenna, how are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. How about yourself?

utterance: Oh I'm doing great thank you. The reason I am calling today is to see if I can get my debt income ratio please?

utterance: Well, I'd be more than happy to check into that for you ma'am. May I have your name please?

utterance: Sure, this is Julia, J U L I A, Hastings, H A S T I N G S.

utterance: Thank you so much Ms. Hastings. I have your first name as Julia, J U L I A, and your last name as Hastings, H A S T I N G S?

utterance: Yes ma'am.

utterance: Thank you, and may I have your date of birth please?

utterance: Yeah, my birthday is July the twelfth, nineteen seventy-two.

utterance: Thank you, I have July the twelfth, nineteen seventy-two?

utterance: Yes ma'am.

utterance: Thank you, and also Ms. Hastings, may I have your PIN number please?

utterance: actually Jenna, I believe I left that in the office. Could you hold for just a second while I run and grab that?

utterance: That's not a problem whatsoever ma'am. Just let me know when you've returned.

utterance: OK, thank you. Just one second.

utterance: OK Jenna, are you still there?

utterance: Yes ma'am, I sure am. Were you able to find your pin number?

utterance: actually no, I was not, I'm honestly, I'm not sure where I left that. I know I have it written down at home but I don't seem to have that right here.

utterance: All right, well Ms. Hastings, unfortunately, I'm unable excuse me, I'd be unable to access your accounts without that pin number.

utterance: Oh it's OK Jenna. I, I completely understand but listen, since I have you on the phone, could could you actually tell me how the debt income ratios are calculated?

utterance: Oh absolutely ma'am, and your debt income ratio it's the value of a company's monthly debt payments divided by it's gross monthly income. Or say if you wanted it for the year, then it would be the value of a company's yearly debt payments divided by its gross yearly income.

utterance: Oh wow, OK, I didn't realize it was that simply actually. Thank you for that.

utterance: Well yes ma'am, Ms, Hastings, and just to let you know, we do have a very handy debt income calculator. It's located on our online banking website, which is at WWW dot Intellibank dot com.

utterance: Oh really, I haven't, I know I use the online banking a lot and I've never even noticed that on there.

utterance: Yes ma'am, a lot of people don't see it either so, I mean, it's, it's very handy if you can't get a hold of anyone.

utterance: Yeah, well thank you for that. Oh, and one more quick question, I was thinking about maybe applying for a business loan with you guys. What required business documentation would I need to get to you?

utterance: All right ma'am, for for a business loan, the loans are created through our corporate credit cards. We would need a copy of your business license, need two years of your personal tax returns, need two years of your business tax returns, and also two years worth of your year end financial statements.

utterance: Oh OK, so you said that's the business license, two years of both personal and business tax returns, and then two years of my year end financial statements?

utterance: Yes ma'am, that is correct.

utterance: OK, and well I'm not ready to actually apply for the loan now but when I do get everything together, how would I send that information to you?

utterance: Well ma'am, you could either email it to us, you could mail it to us, or you could fax it to us.

utterance: Oh OK, great, what, I would probably actually be easier for me to fax it to you. Could I have your fax number?

utterance: Absolutely, our fax number for the loan department would be area code three eight nine, four nine two, eight three, six one.

utterance: All right, that's three eight nine, four nine two, eighty-three, sixty-one?

utterance: That is correct.

utterance: OK, well you have been a great help today Jenna. Thank you so much.

utterance: And thank you Ms. Hastings, is there anything else I could assist you with today?

utterance: No ma'am, that'll do it, thank you.

utterance: And thank you for calling Intellibank. Have a wonderful day.


speaker_role: Agent

utterance: Hello, and thank you for calling Intellibank.

speaker_role: Customer

utterance: This is Joseph.

utterance: How may I help you today?

utterance: Hello, Joseph. How are you?

utterance: I am great. How are you doing?

utterance: I'm pretty good.

utterance: Good.

utterance: Yeah I'm ready for lunch.

utterance: Oh, I understand that.

utterance: You do?

utterance: Oh, before you take that lunch what can I help you with today?

utterance: So, I I need a loan.

utterance: OK. Well we offer several kinds of loans.

utterance: Mm I'll tell what I I need some help paying some of my business administration costs so.

utterance: OK. And, you're a small business owner?

utterance: Mm yes.

utterance: Well great. And, do you already have an account with us here at Intellibank?

utterance: I do.

utterance: Great. Well, let's get started by logging into that account.

utterance: OK.

utterance: So, to start I'm gonna need your full first and last name.

utterance: OK.

utterance: As it appears on your account.

utterance: Rhondita Rosacea.

utterance: All right. And, your date of birth?

utterance: April fourth eighty-four.

utterance: And, I'm gonna need your social security number and your driver's license number.

utterance: OK. Social security six two zero three two three one one three oh OK. No. I'm sorry. That's not that's not right.

utterance: OK.

utterance: Can I give it to you again?

utterance: Sure.

utterance: OK. It's six two zero three zero three one four two.

utterance: three one four two. OK.

utterance: That's correct, yes.

utterance: And, I'm gonna need your address.

utterance: My address is two one seven Sweets Lane on Porridge Porridge, Pennsylvania.

utterance: All right. And, your email address?

utterance: My email address is keep it hot at iCloud.

utterance: And, what is the four digit PIN for your current account?

utterance: One one seven two.

utterance: OK. Yeah, I'm seeing your accounts here with us.

utterance: Mm

utterance: And, you were you were asking about a loan today?

utterance: Yes.

utterance: Well we have several different loans available. We have our term loan, our business loan.

utterance: Mhm.

utterance: Mhm.

utterance: And we have our SBA seven A loan.

utterance: OK.

utterance: which one of those loans were you looking to apply for?

utterance: What would you say is best for a small business order just looking to pay some administration costs?

utterance: Well, right now I would recommend applying for our S B A seven A loan.

utterance: Mm

utterance: OK.

utterance: Easy enough. Let's do that. I'll do that.

utterance: And, how much money were you looking to get from this loan?

utterance: I was looking to get about eight thousand dollars.

utterance: OK. That should not be a problem. And the term of this loan, how how long would you like to pay this back?

utterance: OK great.

utterance: Three years.

utterance: OK. Not a problem. Eight thousand dollars in three years. So, I just need the name of your business?

utterance: The name of my business is Hot Riders. Hot Riders.

utterance: All right. And, are you the sole owner?

utterance: Yes.

utterance: And, what is your tax ID?

utterance: Tax ID.

utterance: how many digits is that ID again?

utterance: It's nine.

utterance: Oh, it must be this right here then. And, that is eleven three two four one six zero three.

utterance: Oh, wait. I'm sorry. I gave that to you wrong.

utterance: Oh.

utterance: OK. Sorry about that. That's OK.

utterance: Thank you. It's just one one three two four one six zero eight.

utterance: OK, and I need to know your gross income.

utterance: The gross income annual. Annual gross income?

utterance: yes. Of your business.

utterance: OK. OK.

utterance: And, that is seven hundred and fifty thousand dollars.

utterance: And, what would the purposes of this loan be? I know you already said it but I need to state it here.

utterance: Yes. It's just to support the business administration cost.

utterance: OK. Administration costs. That's what I'm gonna put down.

utterance: Uh-huh.

utterance: Yes.

utterance: All right. Well I have your application here all taken care of.

utterance: Cool.

utterance: I and it looks like you have already been approved.

utterance: OK. Wow. That's great news. Thank you.

utterance: That three thousand will be available on your business account. Is there anything else I can help you with today?

utterance: Three thousand?

utterance: Eight thousand. Sorry about that. Oh wow.

utterance: Oh, OK.

utterance: Yeah. Oof, that was almost bad. It is eight thousand. I read that wrong.

utterance: OK.

utterance: OK. Great. Thanks. Well I set you off with the wrong. I was reading things wrong.

utterance: Oh no, it's no no no this is all my fault.

utterance: OK. Well, thanks for taking responsibility.

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

utterance: No.

utterance: You have a nice rest of your vacay and thank you for calling Intellibank.

utterance: Thank

utterance: You.


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

utterance: Yeah I got something in the mail about how you can help me grow my business. Can you talk to me about that?

utterance: Absolutely! Happy to help you with that ma'am. First of all who do I have the pleasure of speaking with today?

utterance: Evelyn Richards.

utterance: OK your first and last name is Ms. Evelyn Richards.

utterance: Yes it is!

utterance: And Ms. Richards if I could just ask what's the name of the business that has an account with us?

utterance: Jones Bed and Bath.

utterance: Terrific and Ms. Richards I'll just need to verify a little bit of your account information so that I can pull up exactly what it is that we sent out to you. Is that all right?

utterance: that's fine!

utterance: Fantastic if I could just ask simply what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: All right and Ms. Richards if I could ask what is your account number with us?

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

utterance: Awesome and one final question here for you Ms. Richards. What is your PIN number with us?

utterance: One zero one seven.

utterance: Terrific thanks for that information. I was able to pull up your account and let me see if I can find what we sent to you. The the notice in the mail here. All right yeah I was able to locate that for you there Ms. Richardson. Yes what we were reaching out to you for is to inform you that absolutely we are able to assist our important clients and customers like yourself with helping grow their business in a variety of ways. One of which obviously is the safe-keeping of your funds so that you have easy and convenient access to your funds whenever and wherever you need to via your debit card as well as obviously through your checking. with your checks that we have provided you. But in addition to that oftentimes with many businesses such as yourself they're in need of additional funds in order to expand and finance their growth. and that is often in the terms of very attractive easy terms on loans. funding that we provide here at Intellibank. And we provide loan amounts up to fifty million dollars depending on the shape and size and scale of your business. And oftentimes growing businesses like yourself already have a thriving business but need a little bit of additional assistance but at a an attractive term in order to grow their business. So that's why we reached out to you to say we see that you're constantly making deposits into the account that you have with us and we'd certainly like to be able to provide you with additional funding as well via some of our attractive terms on our loans.

utterance: Wow you can do all that?

utterance: we'd be absolutely thrilled to offer you that option if that's something you'd be interested in?

utterance: I certainly am!

utterance: Well wonderful! what we certainly love to do is see if if you are interested in that I could. Right now Ms. Richards if you'd like it won't take too much time is of course do a loan application for you and have our loan department review your application and give you a quick decision on how much funding we'd be able to offer you for your business.

utterance: Yes let's do that.

utterance: Fantastic and Just a few questions I need to ask you Ms. Richards.

utterance: You know I usually call and speak to Sarah. She's very nice but I'm glad I got you today.

utterance: Aww well you know as Sarah is awesome. She's dynamite. everyone loves Sarah. I simply sometimes take notes from her because she is our senior person here and I'll be sure to pass the note on to her.

utterance: OK.

utterance: Ms. Richards if I could I'll just ask a few questions here in order to get your application started first of all what is the name of the business that will be applying for the loan?

utterance: Jones Bed and Bath.

utterance: Terrific and are you the sole owner of the business?

utterance: Yes.

utterance: All right and do you know when your business was established?

utterance: Yes it was May twelfth nineteen eighty.

utterance: OK. All right so. Wow you've been in business for quite some time!

utterance: Yes, I have.

utterance: And congratulations on that. it is awesome to see someone be in business for decades and still growing!

utterance: Yes. I've seen it grow since that time!

utterance: Wow. Wow and Mrs. Richards if I could just ask what is the. what is your personal address?

utterance: One four one Oakwood Avenue Avondale Estates, Georgia three zero zero zero two.

utterance: And just so that you know the reason that I'm asking that is because depending on our loan department you may or may not also be a guarantor of the loan in addition to the business. So it'll. those questions will be answered with our loan department specifically based on the approval process.

utterance: OK.

utterance: And what is the business address for your company?

utterance: one zero seven five Layman's Court Smyrna Georgia three zero zero zero two.

utterance: And Mrs. Richards what is your mailing address? Is that the same?

utterance: Yes.

utterance: If you would ever so kindly repeat that address again?

utterance: One zero seven five Layman's Court Smyrna Georgia three zero zero zero two.

utterance: And Mrs. Richards what is your social security number?

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

utterance: And also what is your tax ID number?

utterance: Tax ID number just a second Zero nine seven five nine eight two two.

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

utterance: Zero six two four eight seven one two.

utterance: And what state is that in?

utterance: Georgia.

utterance: And what is your gross annual sales for your business?

utterance: That is about seven million five hundred and about twenty-five dollars.

utterance: OK so seven million five hundred twenty-five dollars?

utterance: Yes.

utterance: OK. And I'll just repeat that again. Seven million five hundred thousand twenty-five dollars.

utterance: Right.

utterance: And also what is your Also what is your business email address?

utterance: My business email address is Eve Eve Richards at Jones B B dot com.

utterance: And also Mrs. Richards what is the purpose of your loan?

utterance: The purpose of the loan is to refinance debt.

utterance: Refinance debt OK and what is the amount of the loan?

utterance: Five million.

utterance: Five million OK. And what is the term of the loan?

utterance: about ten years.

utterance: OK and what collateral will you using?

utterance: I'm gonna be using inventory and invoices.

utterance: Awesome and OK Mrs. Richards I have gotten everything that I need on my end here. what I'll do is just go ahead and submit this over to our loan department and they will reach out to you with the information that you need to let you know what the decision will be on your application.

utterance: OK when will I find out about it?

utterance: likely within the next week.

utterance: All right!

utterance: Is there anything else?

utterance: No.

utterance: Again we certainly thank you for giving us a call.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yeah I need to add some additional users to my account.

utterance: Happy to happy with that mam and who do I have the pleasure of speaking with today? What's your name?

utterance: Evelyn Richards.

utterance: OK and miss Richards if I could just ask what's the name of the business that has an account with us?

utterance: Jones Bed and Bath.

utterance: OK miss Richard's of Jones Bed and Bath and if you would miss Richard's I'm gonna to ask you a few questions just to verify your account for security purposes, if I may ask, what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: And Ms. Richard's what is your social security pardon me, what is your account number?

utterance: Hold on just a second. Let me get it.

utterance: No problem.

utterance: Alright I'm ready it's nine eight four nine six five.

utterance: All right and miss Richard's what is your pin number?

utterance: One zero one seven.

utterance: Alright, terrific and I was able to go ahead and verify your account miss Richards. You just mentioned that you want to add a few users as authorized or to your access your account.

utterance: Yeah I would like to do that.

utterance: OK I'll just as a few questions about who it is that you're adding to your account. What's the name of the first person, their first and last name, that you'll be adding to the account?

utterance: OK I only have two people but the first one is Barbara Freeman.

utterance: OK Barbara Freeman and what is miss Freeman's address?

utterance: One four one Oakwood Avenue Avondale Estates, Georgia three zero zero zero two.

utterance: OK and that is one four one Oakwood Avenue Avondale Estates, Georgia three zero zero zero two?

utterance: Yes.

utterance: All right and what is miss Freeman's social security number?

utterance: Zero eight eight five six seven three one zero.

utterance: All right and what if you have her driver's license number, what is her driver's license number?

utterance: Her her driver's license , excuse me, zero nine seven five nine eight two two.

utterance: Thank you for that and what is the state that her driver's license is in?

utterance: Georgia.

utterance: And what is her date of birth?

utterance: Four six seventy.

utterance: And miss Freeman what is her email address?

utterance: Miss Richards.

utterance: Pardon me miss Richards. What is miss Freeman's email address? Pardon me for that it's a tongue twister there.

utterance: That's OK. Is B Freeman at Jones B and B dot com.

utterance: Thank you for that Ms. Richards and for Ms. Freeman, did you wanna create a new PIN number for her?

utterance: Yes.

utterance: And what is the pin number that you'd like to add for her?

utterance: Three zero two seven.

utterance: Three zero two seven.

utterance: That's right.

utterance: All right and Miss Richards Let me just see if I can get this processed here for you.

utterance: OK thank you. I'll tell you, I'm just happy about the weekend. It's been a long week.

utterance: It has, it has but yet time is flying, yet time is kind of at a stand still it's almost like you know the end of the year is here yet at the same rate it seems like the end of the year won't get here fast enough.

utterance: You're right it's not waiting on nobody.

utterance: Indeed, indeed, but you know here's the good news miss Richards we're alive and well, hopefully. We've somehow or another you know hopefully survived the pandemic and those I guess looking at it on the bright side of things enjoy the moments.

utterance: Well you right I'm happy about that for sure.

utterance: Now you mentioned you wanted to add a second user as well Ms. Richards what's the name of the second individual that you wanna add to your account?

utterance: Jennifer Smith.

utterance: All right and miss Richards do you have miss Smith's social security number?

utterance: No, I don't have her social security number.

utterance: Oh I'll be happy to hold maybe, while you go grab it.

utterance: No, I don't have it.

utterance: Oh OK well just so that you know Miss Richards, really for your account security as well as for the individuals, we would need to have all of their information and without their social security number we would be unable to add them as an authorized user of your account. Simply because of the importance of account security we wanna know who are the folks who have access to your funds. and of course when they call in we're going to verify their information and at times as you probably noted we ask at random certain questions so we would need to have all of that information because at random we may ask any of those questions as a security question. So it's really for your protection and frankly for theirs. but here's an option for you. you may get her information and you can simply give us a call back here at the help line or you can go online. do you. Are you familiar at all with our online banking?

utterance: Yes.

utterance: Great if you are you can simply go online and you can add her account information that way once you have her social security number.

utterance: All right I can do that I will get that information and think about doing that.

utterance: Here's the great news though Miss Richards we did already add however Miss Freeman to the account so that is already been processed on our end and simply visit our online or give us a call back with miss Smith's information and we'll be glad to add her as well.

utterance: OK thank you sir.

utterance: Thank you anything else I can help you with?

utterance: No.

utterance: Miss Richards we certainly appreciate your business and again thank you for your understanding.

utterance: OK.

utterance: You have a good day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hi Daisy. I woke up to my email today being full of registration emails for companies that I've never heard about.

utterance: OK, I'm sorry to hear that. in which manner may I be of assistance?

utterance: Well, I just really don't think that that emails should be linked to anything regarding my business, especially my business bank account.

utterance: I see. are you calling today to maybe update your business email on file with us?

utterance: Yeah.

utterance: OK, all right, I will be happy to help you with that. Let's pull up your account information. what is your full name and address?

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

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

utterance: September twenty-first, nineteen ninety-nine.

utterance: And your Intellibank PIN number?

utterance: It's sixteen sixty-two.

utterance: Thank you George. verify for me your account, your checking account number.

utterance: Zero zero one six three nine two two one seven.

utterance: All right George, I have G Emory at Hotmail dot com. What would you like to change that to?

utterance: G Emory Trades at Gmail dot com.

utterance: Will you please spell that for me?

utterance: G E M O R Y T R A D E S at Gmail dot com.

utterance: Thank you. All right, I have updated that information, and in a moment I'll have a transaction ID number for you if you'd like to write it down.

utterance: OK. How's your day going, Daisy?

utterance: So far so good, I only popped in a little while ago and everything's pretty mellow around here today, so looking forward to a nice quick workday. How about you? How's it going?

utterance: It's going pretty good. You know, it's actually pretty nice that I'm updating my email. You know, it's finally good to have an email that's relevant. Hotmail doesn't even support most Android devices nowadays.

utterance: Wow, I wasn't aware of that. All right George, I have your transaction ID number.

utterance: OK.

utterance: It's nine nine one seven six two nine.

utterance: Nine nine one seven six two nine. Got it.

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

utterance: Yeah, I got a letter in the mail talking about the IntelliBusiness Silver Card. could you tell me a little bit about that?

utterance: Sure, I'll be happy to give you some more information. you said IntelliBusiness Silver Card?

utterance: Yes.

utterance: OK, so Intellibank offers this IntelliBusiness Silver Card for small and medium businesses. The card allows you to reduce administrative charges and to manage easily all of your expenses online. It comes with no pre-set spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile. There is no annual fee, you can earn unlimited one point five percent cashback on every purchase made for your business, you are able to redeem rewards for cash back, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost. If you choose to provide employee cards, you can set individual spending limits for greater control over your company's expenditures. Your card transactions will be monitored for possible signs of fraudulent activity using our real-time, state of the art fraud monitoring systems. you will never be held responsible for unauthorized charges made with your card or account information. And you can customize your card with your own business logo and design. Through twenty twenty-one, you can earn seven hundred and fifty dollars bonus cash back after you spend seven thousand five hundred on purchases in the first three months from account opening. Would you like to go ahead and sign up for this card today, George?

utterance: not today, I don't think I'm ready to make a decision yet, but I'll keep it in mind. Thanks.

utterance: No problem. Would you like me to send you this information via email?

utterance: Sure.

utterance: OK, you should receive that information very shortly. Is there anything I can, is there anything else I can help you with today, George?

utterance: No, that'll do it.

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

utterance: You too, bye.

utterance: Bye now.


utterance: Thank you for calling Intellibank, this is Greg. How is your day today?

utterance: Hi Greg. it's, it's going well. I can't, I have to say it's going well yeah.

utterance: Aww fantastic, how can I help you today?

utterance: I need to just just just check on a few things. If if that makes sense?

utterance: Oh yeah totally. I can help you out with anything that you need to check. I just need to get a little bit of information to start off. first of all, what is your first and last name as it appears on your account?

utterance: Gordon Williams.

utterance: All right Gordon, and I'm gonna need your account number and your PIN.

utterance: OK, my account number is three four five six five eight four three two one five three.

utterance: And PIN?

utterance: Nine six one four.

utterance: Thank you very much. And just a couple of security questions here. What is your date of birth?

utterance: Six forty ninety-eight.

utterance: And what is your mother's maiden name?

utterance: Jackson.

utterance: Great! Well that all checks out. why don't we start here by checking your account balance. How's that sound?

utterance: Yeah, that I think that that sounds find I suppose.

utterance: Great! Now you have both a business checking and a business savings account. which one of those where your calling about today?

utterance: Oh, I'm not I like I can't. Oh, would they have all the information I want? You think that's what's?

utterance: Well both, we have all the information on every account available now that I've gotten all of your info. So, any information you need, account balance, fees, previous transactions, I have it all here for both accounts.

utterance: OK excellent excellent. can we check previous transactions?

utterance: Oh absolutely. It looks like your last transaction here was for five dollars and twenty-six cents at Taco Bell.

utterance: mhm mhm.

utterance: does that sound correct to you?

utterance: Yeah that that sounds correct.

utterance: And that left you with an available balance of three thousand four hundred and sixty-two dollars and seventy-two cents. And that is in your checking.

utterance: OK, that's the checking account. OK, OK good, good, good, good, good. and the savings account. You have that information?

utterance: yeah I have the savings account info right here. Let me just switch accounts and pull that up. How's your day going today?

utterance: It's OK, it's OK. You know, a little confused. Trying to figure what I have in my account and what's been going on. just been a hectic time. Feels like there's been a lot of money coming in and a lot of money coming out. Which is positive, right? You know and feel like you're really making some moves. That's fantastic but just pressure. Just a lot of pressure but overall pretty well. How about yourself?

utterance: Good, well we're we're here to help and hopefully we can take a little bit of that pressure off of you. that's what we try to do here at Intellibank. All right, so I have your savings account info pulled up and it looks like you have an available balance of one thousand two hundred and sixty-two dollars and seventeen cents.

utterance: OK, that's in the savings account correct?

utterance: That is what is in the savings account correct.

utterance: OK, fantastic.

utterance: And while we have a moment I'd like to also let you know that all of this information is available online via our online banking and our app. So in the future if you don't have the time to give us a call and just need to see anything real quick, everything that I'm looking at here, you can see either from the comfort of your home or from your phone via the website or the app.

utterance: OK, excellent. Thank you for that information. And that's on both Apple and and Android phones correct?

utterance: Yep you can download that app on for either Apple or Android.

utterance: OK excellent.

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

utterance: yeah I guess while I have you would we be able to set like a transfer to the savings account from my checking?

utterance: Absolutely. How much would you like to send?

utterance: send about two hundred fifty.

utterance: All right we're doing two hundred and fifty dollars from your savings to your checking and that is instant so that is already in your account.

utterance: Excellent. Thank you.

utterance: Anything else I can help you with?

utterance: no you've been great.

utterance: Great! Thank you so much and please enjoy the rest of your day. Bye.


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

utterance: Hi so I'm calling because I recently just partnered with a new business partner and I want to make sure that you know all my accounts are reflect this new change in my business and he is on board now so maybe you can help me with integrating him into the system or if there are different ways that I can add his information or perhaps find a way for for him to be looped in the the contact the contact loop with all the dealings at the at the bank because he's going to be taking over a lot of the lot of the finances of this and he's going to have access so

utterance: So it sound's like you just want to add some contact info for a new employee?

utterance: Yeah yeah I guess that's the the long and the short of it. yeah I need to I guess, I have an email if that helps.

utterance: Sure could you give me your first and last name, so I can pull up your account.

utterance: Sure my first name is Jan, J A N, and my last name is Bass, B A S S.

utterance: All right Mr. Bass. Reminds me of Chuck Bass from Gossip Girl.

utterance: Aww I love that show. That was a fantastic show.

utterance: It was wasn't it?

utterance: Yeah yeah the reboot is is something else, I've been watching it too. It's been it's been fun to get into. I mean it's not like the original, but you know it does it does update does update the scenarios to be kind of reflect like a modern perspective so I think that that's I mean it's worth getting into if if you're if you're into the original and you kind of just wanna dive back into that universe.

utterance: Interesting I'm not usually a fan of re-boots, but maybe I'll check it out based on your recommendation. I I'm just gonna need your date of birth and to access your account.

utterance: Yes so my date of birth is November twelfth, nineteen ninety-three. That's November twelfth nineteen ninety-three. Eleven twelve, ninety-three.

utterance: Got it.

utterance: All right, I'm scrolling through, one second please. OK and, you're replacing your email correct? Or adding an email.

utterance: Yeah you what, we can just I yeah if you can add it instead of replacing it. We can do multiple emails on an account? Is that possible?

utterance: Yes that is possible.

utterance: Oh fantastic, I I I love that option and I will go for that option. Now is this part of my trainers account? Or is is this part of part of the other, the other account that I have open?

utterance: well I see here you have a travelers card with us, and a checking and a savings account. Were you referring to the travelers card?

utterance: Yes sorry that's exactly what I was referring to. I was reaching for it, you you got me though, it's the travelers card.

utterance: No worries. So we're gonna update the email on your travelers card account and could you provide me with that email?

utterance: Yeah so the new email will be Bass incorporated at Gmail dot com. So that's B A S S incorporated at Gmail dot com.

utterance: OK Bass Incorporated at Gmail dot com. Got that plugged in for you. And just give me one second while I look over your account. Looks like everything's up to date. All your balances are paid and no payments due this month. You've never had a late payment. You are an outstanding customer Mr. Bass. Thank you so much for your customer. We appreciate our customers here. And is there anything else I can do for you today?

utterance: No I think that's about it. I will be making transfers of large amounts of money now that we're kinda ramping up our business. So I just also wanted to let you know that there will be more activity going forward on this account.

utterance: Sounds good. We look forward to handling that for you.

utterance: Well if there's nothing further I would like to wish you a fantastic day. And we look forward to hearing from you next time.

utterance: All right great, thank you so much. I appreciate it.

utterance: Thank you.

utterance: Good night.


utterance: Good morning, thank you for calling Intellibank. This is Martha speaking, how may I help you?

utterance: Hi Martha, my name is Tray. I wanted to check my checking account balance.

utterance: Hi Tray, I'd be glad to help you with that. first I'd just like to get a little information from you if that's all right.

utterance: Yeah, sure.

utterance: Great and how's your day going today?

utterance: Pretty good, how's yours?

utterance: Pretty good, pretty good .

utterance: Nice.

utterance: All right so Tray. Your first name is spelled T R E Y?

utterance: T R A Y.

utterance: Thank you. OK, one moment I'm just gonna input that information. And Tray your last name?

utterance: Yeah.

utterance: Smith.

utterance: Oh, OK. That's easy enough to spell. All right. One moment please. OK, thank you. Tray may I get your date of birth?

utterance: Nine, twenty-three, eighty-eight.

utterance: OK, one moment please. Great, all right. Thank you, sorry my screen is just acting a little slow today.

utterance: No worries,

utterance: OK, and what account are we helping you with today?

utterance: My checking.

utterance: Your checking account, great. Do you happen to have your checking account handy? the Excuse me, the account number?

utterance: I don't have the account number but can I give you like my social or something?

utterance: Sure, give me one moment. I just need to get into a different screen.

utterance: OK.

utterance: OK, and your social security number please?

utterance: It's eight, one, two, three, five, six, six, eight, nine.

utterance: I'm sorry. May I get the last four, I missed that.

utterance: Six, six, eight, nine.

utterance: Great, one moment please.

utterance: For sure.

utterance: All right and for security purposes since you don't have your account number and I do want to assist you the best I can. I need to ask you a security question, will that be all right?

utterance: Yeah.

utterance: All right. may I ask you your mother's maiden name?

utterance: Yes, it's Thomas.

utterance: OK and can you spell that for me please?

utterance: T H O M A S.

utterance: OK, great.

utterance: And actually I have another question.

utterance: Mhm.

utterance: if I needed to open another checking account would that be possible or can I just have one?

utterance: If I have the right information from you I should be able to get you set up with that Would you like to talk about that now or do you want me to finish what we're doing right now?

utterance: we can finish what we're doing but like the the the account that I'm talking about is it's it's like a money market account I think.

utterance: OK.

utterance: OK. would that be your Intellibank wealth management?

utterance: Oh. Yes, yes. So sorry about.

utterance: OK.

utterance: No, that's OK. We have a lot of services here so wanna make sure I'm helping you with the right one. I'm not accessing you with your mother's maiden name. what about the name of the first street you lived on?

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

utterance: Sure.

utterance: Little hard to remember when you're a kid huh?

utterance: Yeah.

utterance: OK.

utterance: And I moved a lot so. let's see. can you try this one?

utterance: Sure.

utterance: Three six seven North Wilson Avenue.

utterance: OK. I'm sorry my screen is freezing again just one moment.

utterance: For sure.

utterance: OK and Wilson. W I L S O N?

utterance: Yes.

utterance: OK.

utterance: I'm sorry Tray, I'm I'm not finding you with that

utterance: can you try this one?

utterance: I.

utterance: Sure.

utterance: two one eight zero. No, Two one zero eight Albright that's A L B R I G H T Lane.

utterance: OK. Just one moment while I'm inputting that.

utterance: OK.

utterance: Still, still here?

utterance: Yeah, I'm still here.

utterance: OK. I'm sorry Tray I'm not finding it with that either. we can try another street but I just wondered if you might have the account number accessible some place in the house? Maybe I can hold while you do that?

utterance: yeah I do but I'm not home right now.

utterance: Oh, of course. I understand.

utterance: but I have another street you can try.

utterance: OK, sure.

utterance: You ready?

utterance: Mhm.

utterance: It's five one six six. Yeah Smith Street.

utterance: Five one six six mhm.

utterance: Smith Street OK.

utterance: Yeah it's like

utterance: My last name.

utterance: OK.

utterance: They named the street after you. OK. just one moment.

utterance: OK.

utterance: I am so sorry I am still not finding it with that. we can continue with the streets or did you have a pet, the name of your first childhood pet?

utterance: First childhood pet? I don't ever remember putting that in.

utterance: OK. Yeah there are there are different security questions. Well, I can try. I can try another street again if you'd like.

utterance: sure. let me see if I can think of another one. Damn.

utterance: Or the other thing. I mean I'm, Tray I'm happy to help you and keep trying. the other thing is I can suggest if you want to grab that account number when you get home and give us a call back.

utterance: Yeah like there's no other way that we can get into account if if without me telling you one of those?

utterance: yeah unfortunately not. I mean I do want to assist you as as best I can that's definitely my goal. But you you let me know what's best for you.

utterance: So like even with my social security and my date of birth and all that, like that still isn't enough?

utterance: Without the account number I do need to be able to verify a few things via security. It's really just for your own safety, we just wanna make sure we're protecting your account information.

utterance: OK. yeah I guess I'll just have to call back then.

utterance: I'm sorry for the inconvenience. is there anything else I can help you with before we conclude our call?

utterance: nah. I just needed to check my balance. And start oh, will you that new one though? neverminded I'll I'll just ask about it when I call back.

utterance: I understand.

utterance: OK. All right, have I answered all your questions as best I could under the circumstances?

utterance: Yeah, yeah.

utterance: OK. Well I wish you a wonderful day. Thank you so much for calling Intellibank.

utterance: Thank you.

utterance: Take care, bye bye.

utterance: Bye.


utterance: Hey this is Red at Intellibank. How may I help you today?

utterance: Hi I was calling to get some information about my loan I have a small business loan with you guys. me and my husband we own a small gift shop.

utterance: Mhm.

utterance: OK.

utterance: we've been with you guys for, I wanna say like two months now?

utterance: OK.

utterance: So we're still, you know, getting the hang of things, and I just wanna make sure that we're paying the right amount every month because we don't, you know, we don't want any negative remarks on our account.

utterance: Mhm.

utterance: OK. So it sounds like you wanna make a payment on your small business loan. Is that correct? OK.

utterance: Yes.

utterance: All right, well I can, I can definitely help you with that. but first off, I gotta ask for your full name and your date of birth.

utterance: OK so my name is Ramey Lorette, and that's R A M E Y.

utterance: Mhm.

utterance: Last name Lorette, L O R E T T E.

utterance: Got it, OK. And the second? Yeah.

utterance: Date of birth?

utterance: that's gonna be August fifth, nineteen ninety.

utterance: OK. August fifth, nineteen ninety. All right and now I'll need the account number and also the street you grew up on.

utterance: OK, so, my account number is four zero six zero. Four two nine nine.

utterance: Mhm.

utterance: Four two nine nine.

utterance: And

utterance: the account number for our savings account.

utterance: Oh, I don't I don't need that. No no no.

utterance: Is.

utterance: Oh, OK.

utterance: Yeah, no, that's fine. but I could use the street that you grew up on. That's just the security question.

utterance: OK yeah. I grew up on Willowbanks.

utterance: Willowbanks. OK. All right. Yep, OK, we're good. OK so again, you wanna check on your account, you wanna check on how much. You wanna make a payment?

utterance: Yeah.

utterance: Yeah I I think I wanna make a payment. First I wanna find out how much we pay each month.

utterance: OK.

utterance: But also I wanted to see how much we owe at this point.

utterance: OK. Well since you just opened it up, this this is actually at nine thousand. And each month, you are paying or yeah, you are paying a good you're paying three hundred dollars a month.

utterance: OK.

utterance: OK.

utterance: Mhm.

utterance: So three hundred. So we've already paid six hundred since we've been with you guys for two months.

utterance: That's

utterance: Correct.

utterance: OK. so I, can I go ahead and set it up to pay it today?

utterance: Absolutely. I will just need to have the bank account number and the routing number in order to make that happen.

utterance: OK, so, one second. I'm gonna go my husband's actually in his office right now. I'm gonna go find out what our account and routing number is. Would you mind if I put you on hold for a second?

utterance: OK.

utterance: Oh no, that's

utterance: Absolutely fine.

utterance: OK, one moment. Sorry about that.

utterance: Oh, you're good.

utterance: OK, sorry about that. I, I have it right now.

utterance: OK.

utterance: Are you ready?

utterance: Yep.

utterance: OK, so, for the account number, it's gonna be three three two five.

utterance: Mhm.

utterance: Six seven one nine.

utterance: Six seven one nine.

utterance: Seven seven three five.

utterance: Seven seven three five. OK. And the routing number?

utterance: Routing number is four five nine eight.

utterance: Four five nine eight.

utterance: Six six three five.

utterance: Six six three five. OK. And do you wanna make that three hundred dollar payment today?

utterance: Yes you can to go ahead and take it today.

utterance: OK. And is this gonna be a recurring payment or are you just gonna keep doing as you guys have been doing, you just pay it when you can during the month?

utterance: you know, let's, let's go ahead and make it a recurring payment.

utterance: OK. So we'll put this every single day I, I'm sorry. we're gonna put this on the second every single month.

utterance: For three hundred dollars.

utterance: OK.

utterance: OK, great.

utterance: OK. So I'm putting that in right there. And now is there anything else I can help you with?

utterance: so I was wondering. So, like I said, we do have we have a savings account with you guys. but we're looking to get a credit card.

utterance: Mhm.

utterance: OK.

utterance: I'm seeing, I, I was looking online, and you have a traveling card.

utterance: the Travelers Card.

utterance: Oh, yes, yes.

utterance: Yeah.

utterance: Yeah. It's a really good card. It's if you gotta be traveling for your business, it'll help you out quite a bit.

utterance: Yeah, we do. We like to collect things from around the world to have in our gift shop.

utterance: Oh, OK.

utterance: So

utterance: I think that might be the move for us.

utterance: Well you can go online, and you can just do it on there, and it'd be perfect for you.

utterance: OK great.

utterance: Great. OK, well, I will talk to my husband about it, but I think that's the move for us.

utterance: OK, well, is there anything else I can do for you today?

utterance: No, you've been very helpful. Thank you so much.

utterance: Well thank you again for being a valued member of Intellibank, and I hope you have yourself a great day.

utterance: Thank you.

utterance: Bye bye.


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

utterance: Hi, my name's John.

utterance: Hi John.

utterance: John Canelo. The reason for my call is because I I had an account with you last year it was it was a business account so I recently opened up a a personal checking account looking to deposit a large sum of money into my account and I'd like to diversify my investment so I was hoping I could speak to financial advisor and just see what the options are.

utterance: OK, yes I can definitely help you with that today can I start by getting your full name and your date of birth?

utterance: Yes, my name is John Canelo.

utterance: would you mind spelling that last name for me?

utterance: Yeah, C A N E L O.

utterance: OK great.

utterance: And my date of birth is September second, nineteen eighty-four.

utterance: OK, September second, nineteen eighty-four. OK great, can I also get your credit card number?

utterance: Yeah, yeah, hold on Oh it's it's in my car, just give me one second I gotta go run and get it.

utterance: Of course, take your time.

utterance: Oh hold on I got it. Car is a mess I should I could really do a better job keeping my car tidy you know what I'm saying hold on I right it it was under the seat Who would've thought. OK I. So card number, right?

utterance: Mhm.

utterance: yeah, so the number is four one five two zero two two nine nine two zero one two two one three.

utterance: OK and so that is four one five two zero two two nine nine two zero one two two one three?

utterance: That's that's it.

utterance: OK great. So before we can proceed to your account I just need to verify some security information.

utterance: OK.

utterance: OK, can we start with getting your PIN?

utterance: Yeah my PIN is one four seven seven.

utterance: One four seven seven, OK great so I'm just gonna ask you a few security questions now.

utterance: OK.

utterance: What is your mother's maiden name?

utterance: My mother's maiden name is Levine.

utterance: And is that, how is that spelt?

utterance: L E V I N E.

utterance: OK great. And what was your favorite sport growing up?

utterance: My favorite sport is definitely baseball.

utterance: Baseball, OK great. I am pulling up your account right now. So let's see what I can do to get you scheduled for a meeting with one of our analysts. OK did you have a specific day that you wanted to have this?

utterance: Can we do Saturday?

utterance: Let me check on that. OK so we're actually closed this Saturday.

utterance: Oh.

utterance: Do you have any availability on either the Friday before or the Monday after?

utterance: I think we can do Friday in the day and the the latest the latest slot.

utterance: OK let me see let me see one moment. OK I it is looking like we have one at four forty-five on Friday, does that work?

utterance: That's perfect.

utterance: Let's do that.

utterance: OK great so I'm getting you down for four forty-five and did you have a specific way that you want this meeting to be conducted? Would you like to come in in person, email or telephone?

utterance: I don't Can I come in person? Is that an option? That's that's. OK I Yeah, I I could definitely do that. I will they have my name at the front or do I need to?

utterance: Yes, of course.

utterance: Yeah so I'm putting it in right now. You're in the system for four forty-five on Friday so all you need to do is show up with your ID and let them know that you're there for an appointment with one of our analysts and they'll let you right in. And it looks like you are having a meeting with Jimmy Jones he's one of our senior analysts so he'll take good care of you.

utterance: Jimmy Jones, OK, OK. So he'll he'll be expecting me?

utterance: Yes he will be expecting you.

utterance: OK, is there anything I should bring to this to this meeting or?

utterance: Well that really depends on what your you know interested in having the meeting for. We do have most of your information in the system so.

utterance: OK.

utterance: OK so you have all my OK yeah that that makes OK so I'll just I'll just show up and and I look forward to the meeting.

utterance: OK great let us know if you have any other questions.

utterance: OK thank you so much you enjoy the rest of your day.

utterance: You too, thank you.


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

utterance: Hi Shelley. I just lost my accountant the other day. sh~

utterance: I apologize.

utterance: I'm so sorry.

utterance: she found a lot better offer at a at a really big firm, so I don't blame her.

utterance: Oh, well.

utterance: Congratulations to her!

utterance: yes but, it looks like going through here I'm taking over her duties for a while until they get a replacement. And it looks like she was calling every month and making a payment on our Intellbank platinum credit card.

utterance: Our Intellibank platinum credit card?

utterance: Yes. That one.

utterance: OK.

utterance: is there some easier way to do that so that I don't have to call in every month?

utterance: Oh goodness, yes. let me get a little information and what we can do is try to set up an automatic credit card payment for you.

utterance: That sounds perfect.

utterance: OK! could I get your name and date of birth?

utterance: Yes, it's Jerry Hoffman that's H O F F M A N, and my date of birth is July twenty-first nineteen seventy-eight.

utterance: OK. And your PIN number, Jerry?

utterance: My PIN number is nine three eight zero.

utterance: OK. And I'm going to need that credit card number.

utterance: OK. Give me just a minute here. Let me go get it out of the safe.

utterance: OK. Just let me know when you're ready.

utterance: Your day been going pretty good so far?

utterance: It is so far. I will have to say that I just returned from maternity leave so it's been kind of a long day and I miss my baby.

utterance: Oh.

utterance: Well that's completely understandable.

utterance: OK. I have got the card.

utterance: All right. Whenever you're ready.

utterance: All right. It's seven seven three four.

utterance: Mhm.

utterance: Eight one zero zero.

utterance: Mhm.

utterance: Six two eight five.

utterance: Mhm.

utterance: Three two five eight.

utterance: All right. That's seven seven three four, eight one zero zero, six two eight five, three two five eight.

utterance: Yes. That is correct.

utterance: OK, Jerry, I'm also going to need the payment account number.

utterance: All right. That will be two five zero, three eight zero, zero three six seven.

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

utterance: Yes.

utterance: And one more, I also need your routing number.

utterance: OK. one nine one, three one eight, six four two.

utterance: One nine one, three one eight, six four two.

utterance: Yes.

utterance: All right. Let me see here what we have. So looks like we could get this set up on automatic payment so you won't have to worry about it anymore. Looks like the payment date is the sixteenth of every month. I encourage everyone to at least do three to five days out. just so there's if there's every any problem processing, we'll be able to make sure we get that payment in on time.

utterance: OK. Yeah. Let's go ahead and do it you said it was due on the sixteenth?

utterance: Yes.

utterance: OK. Let's do it on the ninth.

utterance: OK. And it looks like the minimum payment that's going to be due at the time the amount that's due is one thousand nine hundred sixty-four dollars and thirty cents.

utterance: OK. Well that sounds good.

utterance: OK. And we're gonna set that up. Give me just a second while my computer thinks. OK. Looks like I've got that all set up for you, Jerry. Is there anything else I can help you with?

utterance: Yes. Can you tell me the balance on that card after that payment will be made?

utterance: The balance on this card is twenty-two thousand dollars I'm sorry, let me repeat that. Twenty-two thousand six hundred and ninety-eight dollars and thirty-two cents.

utterance: OK. That sounds wonderful.

utterance: OK.

utterance: And Jerry, just to let you know, in the future, you can also go online. I know since your absent a an accountant right now, you might wanna visit our online website and see about all the things you can get set up so that everything's automatic and you don't have to worry about it.

utterance: OK. Well, yeah. I'll definitely look in to that, anything I can do that takes a little bit more off my plate the better it is.

utterance: OK.

utterance: OK. And that website is IntelliLink IntelliLink I'm sorry, Intellibank dot com. And once you get on there, just set you up a password and a username and it'll be done.

utterance: OK. Sounds good.

utterance: All right. Thank you so much. You have a great day.

utterance: Thank you, you too.

utterance: Bye bye.


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

utterance: Yeah hey Sam this is John Rivers over at Three Rivers Tattoos.

utterance: Hello John what can I do for you today?

utterance: Well I needed to check on my Intelligent Smart checking and I needed to check the net earnings for the last three months.

utterance: I think you're probably sorry referring to the Wealth Management.

utterance: Yes that's correct, sorry. I forgot you guys rolled out an update some time ago.

utterance: OK.

utterance: OK yep I can definitely look that up for you. Can I please get the first name?

utterance: That's John.

utterance: Last name?

utterance: Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-nine.

utterance: Thank you can I please get the PIN number?

utterance: Two five eight oh.

utterance: Can I please get the street address?

utterance: Twenty-five twenty-five North Conch Lane.

utterance: OK thank you.

utterance: And can I please get the account number?

utterance: yeah hold on let me look that up real quick I have it written down. That's twenty-three seventy-nine zero. Oh wait no I think it's seventy-five zero zero one.

utterance: yes that is the one. That that second one is the the correct one it looks like.

utterance: that was seventy-five zero zero one?

utterance: Yes.

utterance: OK so that first one must have been my savings.

utterance: Yep.

utterance: OK.

utterance: Yep that's what it shows here on my end. And you were wanting to filter this for the last three months was that correct?

utterance: Yes.

utterance: OK give me just a moment here. So it looks like for the last three months the net income is a total of two hundred seventy-five thousand eight hundred and twenty-five dollars.

utterance: OK yeah that sounds correct! Is there any way I can more readily access that information?

utterance: certainly on our mobile app if you just click into your Wealth Management account. and then just do add some filters for what you need your parameters set to. you can easily bring up your net income.

utterance: Oh OK that sounds good. my second question I had. Can you check that savings account?

utterance: Yep just give me one moment here. can I get that account number?

utterance: That was twenty-three seven nine zero.

utterance: OK thank you. I am showing a balance of thirty-two thousand eight hundred and twenty-two dollars and eighteen cents.

utterance: That sounds correct. can you tell me if can I look up the last time I deposited money?

utterance: Into your savings?

utterance: Yes.

utterance: Sure I am showing the last deposit was made last month on the twelfth.

utterance: And the amount?

utterance: That was in a the amount of eight thousand seven hundred twenty-two dollars and twelve cents.

utterance: Oh OK yeah that sounds correct. yeah sounds good to me!

utterance: OK was there anything else I could help you with today?

utterance: Yeah if you could give me the nearest branch location cuz I gotta make another deposit.

utterance: Certainly are you looking to base the location off your home address or the business address?

utterance: Home address.

utterance: OK can I please get the home address?

utterance: It was twenty-five twenty-five North Conch Lane North San Diego.

utterance: Thank you I am showing the nearest branch location is about one and a quarter mile away. And that is at eighteen twelve North Main.

utterance: Oh OK yeah I know where that's located that's not too far down the road. what are you branch hours for that?

utterance: So that branch is open Monday through Friday seven thirty a.m. to six thirty p.m. Saturday it is open from eight a.m. to noon and it is closed on Sunday.

utterance: And if I'm not able to make it into the branch, like if I have something going on over here am I able to make a large deposit via the ATM or is there a limit on how much I can do?

utterance: The ATM does have a limit on how big of a deposit can be made. the biggest deposit you can make through our ATM is up to a thousand dollars. on our mobile app there is also a limitation. we do not allow mobile deposits of over five thousand dollars.

utterance: Oh OK and that's daily or monthly?

utterance: That's per that's per deposit.

utterance: Oh OK well that sounds good I'll definitely be in later on today then.

utterance: OK if there's nothing else I can help you with then you have a great rest of your day!

utterance: You too.

utterance: Thank you bye bye!


utterance: Thank you for calling Intellibank. My name is Jake. Can I have your first and last name, please?

utterance: Yes, this is Monica Stevens. How you doing today?

utterance: I'm OK Ms. Monica and how are you doing today?

utterance: I'm doing great.

utterance: That's good. and can I also get your date of birth?

utterance: One one nineteen sixty.

utterance: OK New Year's baby.

utterance: Yes.

utterance: All right for security purpose can I also get your email that we have on file?

utterance: Oh organic peach at Gmail dot com.

utterance: You said organic peach?

utterance: Yes.

utterance: And that's like the fruit? OK.

utterance: Yes.

utterance: Also can I get your driver license or State ID number?

utterance: Yes. It's P G one three three seven four eight.

utterance: All righty.

utterance: Now how can I help you today Ms. Stevens?

utterance: Yes I want to call about a transaction that I received. They're saying that I paid cash for something but it was really on my credit card.

utterance: OK and this is through your account?

utterance: yes and it shouldn't have been cash. It should have been on my credit right? I need to transaction document stating that or send me a a email stating that it was paid with the credit card and not cash.

utterance: Oh so you're talking about for your for your business?

utterance: Right.

utterance: OK. OK, let's let's look at that and what what account is this under?

utterance: Mkay.

utterance: This is under the savings.

utterance: Can I get that?

utterance: Eight eight zero zero one four five five six zero zero nine eight.

utterance: OK all right.

utterance: All right so we need to update your transactional documents and you're saying there's a that there's a transaction on there that shouldn't be there?

utterance: Well, it's yeah. It's stating that it was paid with cash but it was paid with credit card. I don't know if they saying that it's the same?

utterance: OK OK.

utterance: Or.

utterance: Do you have the date that this transaction was put on there?

utterance: Yes it was nine twelve two thousand and one.

utterance: OK.

utterance: All right we can update that right now.

utterance: I mean while we're here we can just. Do you have your transaction documents on online?

utterance: yes.

utterance: OK.

utterance: We can just go ahead and refresh that.

utterance: OK.

utterance: Do you have any more documents you can always send them through the app and that should be able to refresh the documents that way we can always keep track on what this now the transaction for for this is for twenty-eight dollars?

utterance: Oh, OK.

utterance: Yes.

utterance: And you're saying that was with with credit right?

utterance: Right.

utterance: OK.

utterance: OK.

utterance: All right.

utterance: So that's OK and everything came out fine or?

utterance: Yeah everything's fine you can also with the app you can also change the transaction documents in real time. Just a head heads up if you have your documents saved on the computer or anything you can actually take the file and drop it right into the app.

utterance: Know what that was. OK? Oh, OK. I see. OK.

utterance: OK.

utterance: Yes.

utterance: All right anything else you need? A balance or make sure all your documents are updated?

utterance: Can you check and see that my documents are updated?

utterance: OK.

utterance: All righty yeah everything seems to be fine. I think your financial documents for the quarter needs to be updated within the next three months.

utterance: Oh OK.

utterance: So.

utterance: You got time. the transactional document that'll be updated with the financial so that the Those are the only two I see right now.

utterance: All right.

utterance: Mhm.

utterance: I think with your business insurance of course you gotta talk to your insurance company with them about that but I think that's not until next year so you're you're fine.

utterance: Oh OK great.

utterance: OK?

utterance: All righty. Thank you I appreciate your help.

utterance: No problem Ms. Stevens. Thank you for calling Intellibank and you have a lovely day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Magda.

utterance: Hey, how are you?

utterance: Good. How are you?

utterance: I'm doing really well. How.

utterance: That's a.

utterance: That's a unique name.

utterance: Magda. Well, it's short for Magdelena.

utterance: Yeah.

utterance: My family's Greek.

utterance: I like it. I like it a lot.

utterance: I kinda do too. It's kinda unique.

utterance: That's nice. OK. So I have I have a very boring name.

utterance: OK. What's your name?

utterance: Harry.

utterance: OK. Harry. That's not boring.

utterance: Oh. It's boring. Compared to Magda?

utterance: No.

utterance: I mean I like Harry. Is it Harold?

utterance: It's short for Harold, but.

utterance: Does anyone call you Harold or.

utterance: No.

utterance: no. I would never allow that. I don't wanna be a Harold. Who wants to be a Harold? That's even worse than Harry.

utterance: What about Hank? Isn't that like a thing too?

utterance: Is that? Is Hank. Is Hank Harold? Or no am I wrong?

utterance: Hank or Harvey. I don't know.

utterance: Or is that?

utterance: OK. I don't know. So nobody calls you Hank. I'm I'm off base.

utterance: Yeah.

utterance: Yeah. Nobody calls me either one.

utterance: OK.

utterance: So no Harry. It's just Harry. It's always Harry.

utterance: OK.

utterance: Yeah. Oh. So so going through some things I was trying to figure out you know payments for stuff and and I can't seem to find any of this month's bills. I was wondering if you can help me recollect some of my. I don't. I don't know if they were thrown out by accident or?

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: I just misplaced them or whatever but if you could help me somehow recollect some things of my bills for the month.

utterance: Oh my gosh. Absolutely.

utterance: you know. I do have I think a couple of things through Intellibank.

utterance: OK.

utterance: What like like anything specific that I can look up for you or are there multiple things? I'm here for you. Whatever you need.

utterance: I have a business loan.

utterance: OK.

utterance: through through Intellibank.

utterance: OK. So you wanna start with that. Do you need to know like the loan balance?

utterance: Yeah. Absolutely. Yes please.

utterance: OK.

utterance: All right. So. Harry.

utterance: The balan~

utterance: Yeah. You know. The overall balance and and if you can this month's balance too.

utterance: Yeah.

utterance: Harry, absolutely can help you with that. Now what is your last name?

utterance: Bowers. It's B O W.

utterance: OK.

utterance: E R. S.

utterance: OK. and what's your date of birth?

utterance: September fifteenth.

utterance: Mhm.

utterance: nineteen seventy-seven.

utterance: OK. and sorry it's taking. My systems like a little slow today. I'm so sorry. And what's your PIN number?

utterance: That's OK.

utterance: It's one five.

utterance: Mhm.

utterance: Seven seven.

utterance: And when you're ready can I get the loan account number?

utterance: Yeah. Hang on one second.

utterance: Sure. take your time I'm here.

utterance: All right. That account number is zero eight eight six three one seven.

utterance: Mhm.

utterance: Mhm.

utterance: Four five one.

utterance: OK. I'm just gonna read that back to you because it kinda cut out in the beginning. I wanna make sure I have the right number.

utterance: OK.

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

utterance: Yes. That's it.

utterance: OK. Perfect. And what is the What is the payment. Oh wait actually I should tell you that, right.

utterance: Yeah, exactly.

utterance: I'm gonna.

utterance: Tell you what you owe. OK, hang on I'm sorry. OK. So it's three hundred and fifty dollars. For this pay period that you need to pay.

utterance: OK.

utterance: And how about. Are you able to tell me the overall balance too.

utterance: Yeah.

utterance: Hang on. OK. So the overall balance is thirteen thousand five hundred and seventy-four dollars and and three cents.

utterance: OK.

utterance: That's the overall that you owe. The complete. But this month it's three fifty.

utterance: It's getting there. Chipping away at it little by little. Yeah, it's come a long way for sure.

utterance: Yeah. I mean.

utterance: Yeah. You really have paid off a lot.

utterance: Mhm.

utterance: Yeah. You should feel good about that.

utterance: Yeah, I do. Believe me I do.

utterance: Good.

utterance: Good.

utterance: you know, and the smart thing to do and I always try to do that. I always try to pay even if it's a five dollars extra but. every little bit extra a month on, you know, whether it's the loans or the credit card payments, the the chip away at that. You know that main balance.

utterance: Mhm.

utterance: Mhm.

utterance: Mhm.

utterance: That is.

utterance: So true. That's really anything that you can pay Oh. Even if, like you said, even if it's just a little bit. It does help.

utterance: Yeah. It does. Like, even that three cents you said. Like even that little three cents.

utterance: Yeah.

utterance: Yeah.

utterance: No, it's true it's really true. All right. So Is there anything else I can help you with while I have you on the phone?

utterance: Magda you've been an amazing help and thank you for not making fun of my boring name and thank you for the information that I needed.

utterance: you're so welcome and thank you for being part of Intellibank. You you have a great weekend. Bye bye.

utterance: You too.


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

utterance: Hi Daisy. I'm looking to get a loan but before I go talk to the bank I need to know what documentation I need in order to in order to get a secured loan.

utterance: You wanna apply for a secured loan with Intellibank?

utterance: Yes.

utterance: And you're calling today to confirm which kind of documentation you'll need for that?

utterance: Yeah.

utterance: Oh, happy to help you out. Let me look that up quick.

utterance: OK. How's your day going Daisy?

utterance: My day is going very well George, how about yourself?

utterance: it's going good too you know, just keeping busy.

utterance: Yeah and you're gonna apply for a loan, that's awesome.

utterance: Yeah business has been really good this past year, you know? Now I'm ready to take the next step and expand.

utterance: Awesome. Well congratulations and very good luck to you. I have a list of documentation that you'll need.

utterance: OK.

utterance: You'll need to show your business license, two years of personal tax returns, two years of business tax returns and two years of year end financial statements.

utterance: OK. OK I got that written down.

utterance: All right George. Is there anything else I can help you with?

utterance: Yeah, while I got you on the line could you check my checking account balance?

utterance: Absolutely, I'd be happy to. let's just pull up your information. What is your full name and address?

utterance: George Emory, one twenty-one Parkside Acres, Brandon, Missouri, five five three two four.

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

utterance: September twenty-first nineteen ninety-nine.

utterance: What is your Intellibank PIN number?

utterance: My PIN number, I have it written down here somewhere. Do you mind giving me a second while I have a look for that?

utterance: Absolutely, take your time.

utterance: Thanks.

utterance: All right I've got it. It is one six six two.

utterance: Thank you. This is your Intellibank business preferred checking account?

utterance: That's right.

utterance: All right. It looks like your current balance is forty-two thousand six hundred and five dollars and thirty cents.

utterance: Great.

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

utterance: Yeah, I got a letter in the mail talking about a IntelliBusiness silver card? I think it was called. I'd like to know more about that.

utterance: Sure, yeah. Our Intellibank IntelliBusiness silver card, OK. this is a credit card that Intellibank offers to small and medium size businesses. It allows you to reduce the administrative charges and to manage easily the expenses of your cards online. It comes with no preset spending limit so it can adapt to your needs based on your spending behavior, payment history and credit profile. There is no annual fee. You can earn unlimited one point five percent cashback on every purchase made for your business. You can redeem rewards for cashback, gift cards, travel and more. You can earn rewards faster with employee cards at no additional cost. You can set individual spending limits for great control over your company's expenditures. you can.

utterance: Your card transactions will be monitored for possible signs of fraudulent activity using our real-time state of the art fraud monitoring systems. You will never be held responsible for unauthorized charges made with your card or account information. You can customize your card with your own business logo and design. And through the end of the year we are offering two promotions on this card. you can earn seven hundred and fifty dollars bonus cashback after you spend seven thousand five hundred on purchases in the first three months from account opening. The second promotion we're offering is for the first twelve months there is a zero percent introductory APR. After the introductory period it rises between thirteen point two four percent and nineteen point two four percent depending on your credit worthiness. Does this sound like something you would like George? Can I go ahead and get you signed up today?

utterance: you know what? I don't think I should sign up today, I need to talk to my financial team before I make any decisions but I appreciate the information.

utterance: Absolutely. Would you like me to send you this information via email?

utterance: Yes please.

utterance: All right. I have went ahead and sent that email. If you don't find it in your inbox please check your spam filter.

utterance: OK.

utterance: All right, George. Is there anything else I can help you with?

utterance: Nope that should do it.

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

utterance: You too, bye.

utterance: Bye now.


utterance: Hello. Thank you for calling Intellibank. My name is Natasha. How can I help you today?

utterance: Yes. Hi, Natasha.

utterance: Hello sir.

utterance: I would like to schedule an appointment with a notary. And can I have that appointment in person, please? Is that possible?

utterance: Yes, sir, I can certainly help you with that. I just need to get a little bit of information about you so I can set up your appointment, if that's all right?

utterance: Yes, that's all right.

utterance: Alright, sir. First of all I need your first name, please?

utterance: My first name is Gabriel.

utterance: Alright Gabriel, can I have your last name as well?

utterance: Robinson.

utterance: Alright, Gabriel Robinson. Can I spell that G A B R I E L?

utterance: Yes, that's it.

utterance: Alright, thank you so much sir. And exactly you said you wanted to appointment in person?

utterance: Yes, yes I did.

utterance: OK. What date would be convenient for you?

utterance: OK, you got you got anything on a Monday?

utterance: All right.

utterance: I mean.

utterance: I mean that's the sixteenth or fifteenth.

utterance: Ok, so you want around the fifteenth is Monday.

utterance: Yes.

utterance: OK. Would you like an a.m. or p.m. appointment, sir?

utterance: Well I sleep in. Let me, let me get a p.m.

utterance: Alright, sir. We have a two p.m. a two thirty p.m. and a three p.m. appointment available.

utterance: I'll take that last one.

utterance: OK, so three p.m. on the fifteenth.

utterance: Yes.

utterance: Alright sir, since this is an in-person appointment I'm going to need a ZIP code for your location?

utterance: Yes, yes, my ZIP code is nine eight one two nine.

utterance: Oh, wait a minute. I believe I gave you the wrong zip code there. wait a. Minute there. yeah, I gave you the wrong one. I'm sorry. It's nine eight one one nine.

utterance: Oh sir. That's OK.

utterance: OK, sir. So the correct ZIP code was nine eight one one nine?

utterance: Yes, and yes and by the way and, and by the way, what all, what all can a notary do, by the way? Can you tell me that? Can you?

utterance: Yes, sir. Our notaries are authorized to perform certain legal formalities so they draw up your reports and certify your contracts, deeds, or other documents so you can use than in other jurisdictions we don't have the notaries that are legal notaries so if you needed like a legal document or any type of legal advice you'd have to actually go to a lawyer for that. but ours are certified within this state and outside of the state in order to notarize any paperwork you have that needs a notarization.

utterance: OK.

utterance: OK.

utterance: OK.

utterance: That sums it up.

utterance: Alright sir. Is Alright, so give me just one moment while I go ahead and setup this appointment for you, Mr. Robinson.

utterance: OK. OK. Are you working hard or hardly working?

utterance: I'm trying to work very hard, sir. I usually try my best to work hard.

utterance: Yeah, most people are hardly working. They say they're working hard but they're hardly working.

utterance: Well not me sir. I've been at this all day this morning. So and I'm usually here, you know, like, eight hours a day so I've gotta do my very best to keep working hard.

utterance: Yeah, well you keep your real work done.

utterance: Thank you so much, sir. OK, Mr. Robinson. I've setup your appointment with our notary. It is a physical nine eight one one nine so that is a local branch. You will get that information in the mail. So just keep an eye on that. We have your information on file. That appointment is for the fifteenth at three p.m..

utterance: Three p.m., OK. Yes.

utterance: Yes sir.

utterance: Alright. Is there anything else I can help you with, Mr. Robinson? Would you like some more information about our online banking, perhaps? That way you can actually schedule one of these appointments online at your convenience?

utterance: Yes, have you got the time to tell me?

utterance: I certainly do, sir. Just one moment.

utterance: All right.

utterance: All right, sir. I can send this out to your address that we have on file as well because we have your account information here. But I can also just give you a little bit of information verbally. Would you like that?

utterance: Yes, yes.

utterance: Alright, Mr. Robinson. Sorry?

utterance: You would have to go on to our main account at Intellibank dot com.

utterance: I see. OK.

utterance: We have online banking with our personal and business accounts. And since you have a business account with us you just go in, access that information.

utterance: Alright.

utterance: And they'll run you through the steps of signing up for your online banking account.

utterance: OK.

utterance: All right. You normally would need an email address and some security information such as your social and your PIN for your debit or credit card with our branch.

utterance: OK.

utterance: OK, sir. And once you set that up you will be able to access any information that you would normally have to call through for such as your banking statements, financial information. And you can also schedule appointments with our risk assessment, risk specialists, financial advisors and so on and so forth.

utterance: Alright, sounds good to me.

utterance: Alright, sir. So is there anything else I can help you with today?

utterance: That's about it. What's your name again?

utterance: My name's is Natasha, sir.

utterance: Natasha. That's a nice name.

utterance: Thank you so much Mr. Robinson. I hope you have a good day.

utterance: You, too.

utterance: Thank you, bye bye.


utterance: Hello! Welcome to Intellibank. Who do I have the pleasure of speaking with?

utterance: Hey, how you doing? So, I got this notice in the mail and it talks about the rates and I'm trying to get the idea of what exactly they mean.

utterance: OK, sure. I'd be happy to help you that, help you with that. what's your name?

utterance: Oh, I'm sorry, my name is Charles Brown.

utterance: OK, great, Mr. Brown. so you mentioned that you received something in the mail and they were talking about some rates. and we we have different rates for different things. Are you referring to a checking account? A savings account?

utterance: what what is it that you need, so I can tell you what what we have that could works best for you?

utterance: Oh, OK, I think it was. Actually I think I think it was talking about a savings account, so yeah, the holiday rates promotion that you guys have for the savings account.

utterance: OK, terrific. So, Yes, we do have what's called the smart savings. which right now, yes, we have a a promotion going on that you can. If you open up the savings account now we can give you a really great rate, it's like double the rate of most of the other what you other banks that are going on right now. We have a really great APR of about almost three percent on your money. So, yeah. So if that sounds good to you, yeah, I'll be glad to help you open up a savings account.

utterance: Wow.

utterance: OK, cool. I think the, let's call it the the business smart savings.

utterance: Correct.

utterance: OK.

utterance: Correct.

utterance: Yep.

utterance: That's right.

utterance: Yep, so Yeah, let's go ahead and go with that one.

utterance: OK so great. So let me gather up some information from you. So once again what's your first name again?

utterance: Charles.

utterance: Charles. And your last name?

utterance: Brown.

utterance: Terrific. what's your street address?

utterance: It is ninety-nine Gemini Lane.

utterance: And the city?

utterance: Michaelsville.

utterance: All right, that sounds cute. what state?

utterance: It is Maryland.

utterance: OK, terrific. And the ZIP code?

utterance: two one zero zero five.

utterance: OK, terrific. may I have your social, please?

utterance: Sure, six nine one one one five two five six.

utterance: And your driver's license number.

utterance: B, as in boy, zero nine one Excuse me. Seven eight nine one two three seven six five.

utterance: OK, awesome. And what state is that in?

utterance: That is also in Maryland.

utterance: OK, terrific. what's your email?

utterance: It is game over at Gmail dot com.

utterance: I like that. That's that's good. I like that. Also, OK, so, obviously this is going to be for your as you said, your business savings account. and what is the name of your business?

utterance: Oh, just like my email says, it's Game Over LLC.

utterance: OK, terrific. Are you the sole owner of your business?

utterance: Yes.

utterance: OK, terrific, got that. And what was the date that it was established?

utterance: It was January twenty twenty.

utterance: OK, cool. do you have your gross annual sales on hand?

utterance: yeah, let me get them. I think I got them. we was at a million dollars.

utterance: OK, oh, you did really really well. Terrific.

utterance: Listen, covid out here got people scared and I was scared right along with them, so you know, we gotta gotta make this thing happen.

utterance: I understand, I totally get it. OK, great may I have your tax ID number?

utterance: Yeah, zero zero nine. Zero zero zero. Excuse me. zero zero zero nine eight seven one four five.

utterance: OK, great. And is the business street adress the same as your residence?

utterance: Yes, ninety-nine Gemini Lane.

utterance: OK, great. so that is also in what city?

utterance: Michaelsville.

utterance: And the state?

utterance: Maryland.

utterance: And what's the ZIP code?

utterance: Two one zero zero five, also.

utterance: OK, great. So is the mailing address all the same as well?

utterance: Yep. Ninety-nine Gemini Lane, Michaelsville, Maryland, two one zero zero five.

utterance: Fantastic. OK. So you indicated that the savings account that you wanted was the smart savings?

utterance: Yes.

utterance: OK, how much were you planning to start your account with?

utterance: I'll start about ten thousand dollars and see how things go.

utterance: OK, great. What. can I have the account that that money is gonna come from? So you could do the initial funding?

utterance: That's right, you would need that. Yep, Where is it? Where is it? Where is it? Where is it? Zero nine eight seven six five. It's the account number.

utterance: OK, and what's the routing number?

utterance: Seven seven nine nine zero zero one one one.

utterance: OK. Fantastic. I need, also So you gave me your your driver's license. I also need one more piece of identification. Do you have a like a bank statement, or passport, or you know, another checking account statement. Something like that.

utterance: I do, just that I need to go I need to go get it.

utterance: OK.

utterance: I didn't I didn't I didn't know I was gonna need all this.

utterance: Yeah, yeah. I just, we just. We need two pieces of identification so your your driver's license. That's great, but we just one one other piece of identification from you.

utterance: OK, so what ?

utterance: If you have a passport, that would probably. That would work.

utterance: I.

utterance: OK. So you just need the passport.

utterance: Just the

utterance: Front of the passport.

utterance: OK, yep.

utterance: OK.

utterance: Yep.

utterance: OK, so you can actually scan that in and send that to us, and that would be great.

utterance: Got you. All right, I'm can go ahead and put that through the printer right now.

utterance: OK.

utterance: OK. So, as I mentioned on what this business savings account. You will get at this an annual APY of three percent.

utterance: Mhm.

utterance: on on your money. And as long as you maintain at least five thousand dollars in your account, then there aren't any. We waive all the other fees that that you would normally incur, so it really makes it a good deal for you.

utterance: OK.

utterance: That's good.

utterance: And so with that, is there anything else that I can help you with at this time?

utterance: so how is the online banking? Or do you guys have a app or things like that? I don't I don't generally go into banks. I'm normally home working and all that other stuff

utterance: I

utterance: Totally get it. Yeah, and that's that's great. That's fine. Yes, we do have online banking. And we can get you set you up with that. I can have one of our technicians help you set that up, but. And we do have an app on both the Android and iPhone. So you can go into either one of those and download the app. And if you have any issues feel free to give us a call. We'll have the technician walk you through the rest.

utterance: OK, well, I got both phones, so I I shouldn't have any problem.

utterance: OK, that is great, so terrific. If there's nothing else, Mr. Brown, then I hope you have a great day.

utterance: I hope you do too? Is it is it is it cold where you are? What's the what's the what's the What's the weather out there?

utterance: Yeah, it's it's definitely Fall. We. Fall has arrived. It's very cold, so yeah. It it it's So, and in fact since you're in Maryland, I'm sure it's cold there too, so.

utterance: Yeah. Yeah, it is.

utterance: Yeah, you

utterance: You got fall, I got frozen.

utterance: Exactly. so stay warm and stay safe, and I look forward to talking to you soon.

utterance: OK, awesome. Been a great experience. You have a good one.

utterance: Thank you.

utterance: Bye.


utterance: Thank you for calling Intellibank. We have the lowest rate SBA loans and we're the home of the smart savings. My name is Ian. How can I help you today?

utterance: Hi, Ian you know, you get a couple of these you know I guess every now and then you know every year, you're supposed to be able to get a free credit report. So, I'm calling now to try to get my free credit report.

utterance: OK. All right, great. I can help you out with that. May I have your name, sir?

utterance: Yeah, it's I'm sorry. I I got a little distracted there. Yeah. my name is Robert Nelson.

utterance: That's OK.

utterance: OK, Mr. Nelson. and I can go ahead and get your Intellibank account opened up here. I'll just need to four digit PIN that's associated with your account. Do you have that with you?

utterance: I yeah that would be Let's see. Two two four five.

utterance: Two two four five. All right, great and we'll get that opened up here very shortly. How are things going your way?

utterance: it could be better. It's all right.

utterance: Could be better. Mhm. Yeah. All right. So, I have your account opened up here. Please verify your date of birth for me.

utterance: Not bad.

utterance: that would that's eleven fourteen nineteen eighty-five.

utterance: Nineteen eighty-five. OK and please also verify your mailing address.

utterance: Forty-three sixty-eight, Wilbur Avenue, L A nine oh oh oh one.

utterance: Nine zero zero one. OK, and just to verify, you business address is the same as your shipping address?

utterance: Yes.

utterance: OK, great. All right, and thank you for verifying that information. In order to get your credit report populated, I just need your social security number.

utterance: That is two two two.

utterance: Two two two.

utterance: Four four six six eight eight.

utterance: Six six six six eight eight. Fantastic. OK. Just give us a moment while the computer compiles all the information from the credit bureaus. Puts it all in one report for you. And while it generates that report, please do keep in mind we do have the SBA loans available and I also see that you're a Diamond Checking account member. So, there's some great perks here at Intellibank that have been extended to only our Diamond checking account members. So, we're going to get this credit report delivered to you. Would you like it delivered by certified mail or would you prefer secured email?

utterance: email would be great.

utterance: OK, we're gonna go with secured email. How many email addresses would you like it sent to?

utterance: Just one. Just the one.

utterance: Just one.

utterance: Just

utterance: The one on the account. You got the email address there?

utterance: Actually the field is blank, sir. No one put this in. Is there can you verify?

utterance: R N at Yahoo dot com.

utterance: R N at Yahoo dot com. OK. Got it. All right.

utterance: You need anything else from me?

utterance: no, we're actually just waiting for the computer to populate the credit report. And I'm just making sure I give you all the information I give you. For the secured email there is a one time charge of twenty-five dollars that we can.

utterance: Sheesh!

utterance: Twenty

utterance: Five dollars?

utterance: Yes, that's for the security method that we're that we're extending. That way you don't have to worry about your information being taken.

utterance: Well you secured your way into getting that twenty-five dollars out of me, so let's do it.

utterance: Or falling into the wrong hands.

utterance: All right.

utterance: Just go ahead and take it out of my account.

utterance: Go through your business account? OK, we can do that.

utterance: Yeah, that's fine.

utterance: Just give me one second and I'll process that for you as well. Also, sir, keep in mind that on this email as well as your receipt and your credit report, there will be links to our online banking. So you'll have access to our website as well as our mobile app which gives you the ability to have questions answered twenty-four seven by our help desk. OK, I have everything. I'm sorry sorry

utterance: All right.

utterance: No.

utterance: No, go ahead.

utterance: I have everything populated in your email and you should have that right now. You should get that in your inbox.

utterance: All right.

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

utterance: I believe that's I believe we've covered it all. I just needed to get that credit report and I really appreciate you. Thank you.

utterance: OK, well thank you so much for being an Intellibank customer sir. Have a great day.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Ryan. How can I assist you today?

utterance: Hey, Ryan.

utterance: Hello.

utterance: Well, I'm I have got to get some help today. I'm looking to get my net income for my business.

utterance: OK. Well I can certainly help you get that.

utterance: All right.

utterance: Can I get your name please?

utterance: Kathy Farnburg and my birthday is August third nineteen eighty-seven.

utterance: Thank you. And your PIN number?

utterance: Twenty. I'm sorry. That's a different PIN number. One two one nine.

utterance: One two one nine. Thank you. And can I get your account number please?

utterance: Yes.

utterance: yes. Would that be my Intellbank Intellbank checking account number?

utterance: Your Intellibank checking account?

utterance: Yes.

utterance: Yes. That would be the correct number.

utterance: I always get messed up on that one. Give me one second. Could you hold on for a second?

utterance: I can certainly can. Just let me know when you're ready.

utterance: I gotta look at that

utterance: Number. OK here it is. Are you ready?

utterance: Yes. Whenever you're ready.

utterance: Five nine one zero zero eight three nine five four.

utterance: Five nine one zero zero eight three three nine five four.

utterance: All right. Thank you.

utterance: You're welcome.

utterance: And Sorry, remind me what it was you were needing again?

utterance: I need to get my net income.

utterance: Net income. All right. And over what period would you like that?

utterance: Yes.

utterance: just year to date.

utterance: OK. give me just one moment here while I run the numbers.

utterance: No problem. Are you looking forward to the holidays?

utterance: I am. I am very much looking forward to them.

utterance: Got any big plans?

utterance: nothing huge just lots of family time. Some family I haven't seen in a while.

utterance: Well that'll be fun.

utterance: Yeah, I'm really looking forward to it.

utterance: Well, I hope you really enjoy it.

utterance: Well thank you.

utterance: You're welcome.

utterance: All right. I've got that net income.

utterance: OK, whenever.

utterance: It is nine hundred and fifty-six thousand, two hundred and nineteen dollars and ninety-seven cents.

utterance: OK, thank you.

utterance: Absolutely.

utterance: That helps me out a great deal.

utterance: Oh my pleasure.

utterance: All right. Could I also get you to give me the balance of my checking account?

utterance: Certainly. one minute here while I switch back to that screen.

utterance: No problem.

utterance: All right. The current available balance on that account is fifty-seven thousand two hundred and thirteen dollars and six cents.

utterance: Perfect. I'm planning a company Christmas party. Gotta get some stuff finalized.

utterance: All right. Sounds like a lot of fun.

utterance: Oh, we always have a good time.

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

utterance: let me just check through everything. Can you tell me what other services you offer?

utterance: I sure can.

utterance: Excuse me.

utterance: We offer a variety of services. on our product side we offer three tiers of corporate credit cards. We also offer two types of business checking accounts. We offer a business savings account and a wealth management investment account. And then we also provide a variety of types of loans. And then on the strictly services side, we have got our online banking for our customers as well as a number of different specialists that are on staff here that can help customers with various business related financial questions, such as tax specialists, risk assessments specialists, investment specialists.

utterance: What does the investment specialist do?

utterance: The investment specialist just helps you identify what investment opportunities might be a good fit for your company.

utterance: Oh, OK.

utterance: Yes. And we also have notaries on staff and financial advisors.

utterance: OK. I didn't know you had notaries. I'm gonna be needing one probably shortly. Do they come to you, or do you have to make an appointment to come to them?

utterance: we do have some available that can come on site depending on where you're located. or you can schedule an appointment to do them here. And then we've actually started offering remote online notarization. but that is only for certain documents, so it depends on what documents you are needing to be signed.

utterance: OK.

utterance: OK. Wow, OK. That sounds like a lot of stuff.

utterance: I had no idea. Yes, we try to offer as many services as we can to our customers.

utterance: Well you certainly are a very nice bank and I have been very happy when I switched my accounts over to you guys.

utterance: Well, I'm very happy to hear that.

utterance: OK.

utterance: All right. Is there anything else that I can do for you today?

utterance: I don't think so. I think I've, you've pretty much handled it. Wealth of information.

utterance: All right. Well, thank you very much for calling Intellibank and you have a fantastic rest of your day.

utterance: You as well.

utterance: Thank you. Goodbye.

utterance: Bye bye.