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

utterance: Hello Jonathan. How are you today?

utterance: I am doing perfectly fine. How are you doing today?

utterance: also fine as well.

utterance: Great. Well what is the reason that your calling Intellibank today?

utterance: Well I I I've actually got a couple of reasons for calling one is that I'm looking for a loan really, for my business.

utterance: OK, great. Well, we have several loans that we can offer.

utterance: Mhm.

utterance: Yeah.

utterance: Mhm.

utterance: We have a small business loan.

utterance: Mhm.

utterance: We have an S B A seven A loan.

utterance: Mhm.

utterance: We have the S B A S six loan.

utterance: Uh-huh.

utterance: what you said you had a small business?

utterance: It is it's a relatively small business. Yeah.

utterance: Well I would say you are probably looking to apply for that S B A seven A loan.

utterance: OK.

utterance: And I would also suggest that you possibly apply for a secured loan.

utterance: Oh two loans. Is that two loans, two separate loans?

utterance: Well those are two separate loans, if you apply for both of the loans you can as long as you're approved you can go with the one that works best for you or you can get both loans. But it all starts with the approval process.

utterance: Mhm.

utterance: OK. So what I would like to do then based on what you are sharing with me, is apply for both absolutely. I'm very responsible with paying back what I owe in a timely fashion. And I wonder if that would increase my standing with the bank once I have borrowed and then paid back the loan.

utterance: Absolutely, and because you're applying for the S B A seven A, that loan may actually be possibly forgiven. but we can get into that later. First step, applying for the loan.

utterance: Oh!

utterance: All right.

utterance: So I'm just gonna need to collect a bunch of information from you.

utterance: OK I'm ready to give you whatever you need.

utterance: Great so let's start off with what is full first and last name?

utterance: My first name is Tiffaniey. T I F F A N I E Y Tiffany and my last name is Tito. T I T O, simple Tito.

utterance: And what is your date of birth.

utterance: My date of birth is May. I was born in May. When what month were you born?

utterance: You know we're actually not allowed to give out that personal information

utterance: Mm,

utterance: Yeah understandable. Understandable.

utterance: Yeah sorry about

utterance: About that, people ask all the time. I wish, I wish I could get more personal on here but you understand.

utterance: Yeah. I wish you could too.

utterance: I do understand, Ok so I'll just move on then. I was born May twenty-second nineteen seventy-one.

utterance: And I gonna need to get your social security number.

utterance: Well I know I said I was ready to give you whatever you need but I'm gonna need a moment to go and find my card, OK?

utterance: All right take as much time as you need.

utterance: Oh thank you.

utterance: what are you still on the line?

utterance: Yup still holding.

utterance: thank you OK what was your name again?

utterance: my name was Jonathan.

utterance: OK Jonathan, thank you. So are you ready for that social security number?

utterance: Absolutely, whenever you're ready.

utterance: OK I'm ready now. It's six six one three zero one four six eight.

utterance: And I'm gonna need your full current address.

utterance: my business address or my personal address.

utterance: your business address please.

utterance: OK that's two one North Serrones S E R R O N E S Serrones Way, in Tuscaloosa Alabama nine zero nine zero one.

utterance: All right, how's the weather down there in Alabama today?

utterance: You know it's surprisingly warm.

utterance: Yeah, suprisingly warm. I began sweating on my way to work.

utterance: Oh well that's a shame.

utterance: Yeah my my shirt got all wet. I showed up good thing I'm the boss right? good thing I'm the boss.

utterance: Well this is all I needed for the application, the application's all set.

utterance: Mhm.

utterance: It is gonna take two to three days for us to get this information back and let you know if you do qualify for the loan.

utterance: I see all right OK.

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

utterance: You can just go on and have yourself a wonderful day for me. That would that would be everything.

utterance: Thank you very much. Thank you for calling Intellibank and you have a wonderful day as well.

utterance: Goodbye.

utterance: Bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi there Jer. I'd like to set an appointment with a notary.

utterance: Certainly. I'll be glad to assist you with that. Let me just pull up your account. First what is your first and last name sir?

utterance: Benjamin Freeman.

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

utterance: Ray's Construction Company. And what are y'all what are y'all hours open hours at at the branch?

utterance: Certainly. the hours of our branch locations are Monday through Friday, Mr. Freeman, from nine a.m. to five p.m.. And Saturdays from nine a.m. to noon.

utterance: OK. that sounds good.

utterance: And Mr. Freeman, I'm going to ask a few questions for account verification purposes. And of course we do take your account security very seriously here. And of course you've likely seen in the news over the past several months reporting on the increase of cyber attacks occurring, as well as the need for heightened cybersecurity. And so we of course do take your account security very seriously in order to prevent fraud identity theft, and to protect you and your business. so with that said Mr. Freeman. Let me ask what is your date of birth?

utterance: August twenty-six, nineteen seventy.

utterance: All right. And Mr. Freeman. What is the business address you have with us?

utterance: Oh we got that three six eight eight Layman court Smyrna, Georgia. Three zero zero eight zero.

utterance: That's three six eight eight.

utterance: Layman court.

utterance: Layman court.

utterance: Smyrna Georgia three zero zero eight zero.

utterance: OK. Three six eight eight Layman court Smyrna Georgia. Three zero zero eight zero.

utterance: That's correct.

utterance: All right and Mr. Freeman what is your account number that you have with us on file?

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

utterance: All right. And what is the PIN number associated with your account?

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

utterance: All right. All right, let me see if we can pull up your account information here Mr. Freeman. And are you getting ready for the holidays?

utterance: Yeah we're making preparations trying to figure out what exactly we wanna cook for that day and you know. Try to go on from there.

utterance: Well hopefully this upcoming holiday season will be a little bit more welcoming than the last holiday because last year, as you probably were aware, it was a lot of restrictions due to the pandemic.

utterance: Yes it were but it was very necessary cuz they just want a safe town be out.

utterance: Very good point. Safety first.

utterance: Oh yeah. Definitely safety first.

utterance: Now Mr. Freeman I was able to verify your account and you mentioned that you wanted to schedule an appointment to meet with a a notary?

utterance: Yes sir.

utterance: All right. And I'll be glad to assist you with that. Mr. Freeman let me ask what is the date that you wanted to schedule?

utterance: tomorrow?

utterance: All right. Fantastic. and what time tomorrow did you want to schedule the appointment?

utterance: between eight and twelve. That's what I like.

utterance: OK. we have a time available at nine thirty a.m..

utterance: That'd be great.

utterance: All right. And Mr. Freeman, did you want to schedule that for a telephone meeting, or an in person visit?

utterance: in-person.

utterance: And Mr. Freeman what's the ZIP code that you wanted to schedule for that in-person visit?

utterance: that'd be three zero zero eight zero.

utterance: OK. So we'll schedule that for the ZIP code three zero zero eight zero for location near there for your appointment tomorrow at nine thirty a.m. with a notary.

utterance: Thank you. I appreciate that.

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

utterance: that'd be all.

utterance: All right, well if that's all we certainly appreciate the call.

utterance: thank you for your time. Bye bye.

utterance: Thank you.


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

utterance: I'm calling about making an internal transfer and also getting the credit card balance due on my card.

utterance: Sure, that is not a problem at all. So to start I'm going to need your full first and last name as it appears on your account.

utterance: OK. It's Mr. Alden Coogan.

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

utterance: April fifteenth nineteen ninety-two.

utterance: And what is your four digit security PIN?

utterance: Eighty-five eighty eight zero like eighty.

utterance: OK. And what is your six digit account number?

utterance: Four four two nine three six.

utterance: All right.

utterance: OK. I have you all pulled up here and I see you have our Intellibank smart savings account and you have our Intellibank business checking account. From which account were you looking to transfer from and which account were you looking to transfer to?

utterance: Checking to savings.

utterance: All right, that was savings to checkings?

utterance: Checking to savings.

utterance: Checking to savings. I am very sorry about that. how much were you looking to transfer from one account to the other?

utterance: Uh-huh.

utterance: A hundred and seventy thousand dollars.

utterance: OK. So we're going to do a hundred and seventy thousand dollars from your savings into your checking account.

utterance: No. No. Checking to savings.

utterance: Oh I'm very sorry about that again.

utterance: You OK?

utterance: yeah. I'm sorry. So that's a hundred and seventy-five dollars from your checking into your savings.

utterance: No. A hundred and seventy. .

utterance: Hundred and seventy

utterance: Thousand dollars from your checking to your savings.

utterance: Yeah.

utterance: Yeah.

utterance: That's a You're making a lotta mistakes is there. Can I get transferred to another person or something because I'm a little worried what's going here and.

utterance: No. We'll be all good to to figure this out right now. I'm very sorry.

utterance: You mean this.

utterance: OK. I mean you made the same mistake two or three times. So can you just kind of lock in and focus?

utterance: So that's a hundred and seventy-five thousand.

utterance: Yeah. What no. A hundred and yeah, I don't even remember what I said now but let's go with a hundred and seventy thousand dollars checking to savings.

utterance: Hundred and seventy thousand checking to savings.

utterance: Yes, let's just go with that and I I really don't have the time for this today. So if you can wrap this up as quickly as possible, please.

utterance: That transfer is already done.

utterance: Mhm mhm, thank you.

utterance: And you also were asking for your credit card balance due.

utterance: That's right.

utterance: All right no problem. I can take care of that for you. I'm just going to need your sixteen digit card number.

utterance: OK. I can pull it up on the screen but All right I'll I'll find it. Let me see one zero nine nine three eight two four five seven zero six one one seven five.

utterance: Great. Sorry about that my system is just loading. This will take a moment.

utterance: That is unbelievable. Like why do you guys not even just have. You asked for our account number why would you not have that just pop up? If I can login I'm thinking that you can see it on your end too. No?

utterance: From what I've been told is that it's mainly for security purposes. We want to make sure that you actually physically have the card so someone isn't calling in and messing around with your finances.

utterance: OK OK.

utterance: All right. So your credit card balance due for the month of November is going to be fifteen thousand six hundred forty-two dollars and thirty-eight cents.

utterance: Mhm All right, thank you.

utterance: And just so you know if you would like to get this information without having to call and speak with one of us here at the call center.

utterance: That would be great.

utterance: You can go online to Intellibank dot com twenty-four hours a day. So. Excuse me seven days a week. Or you can download our Intellibank app to your smartphone at any of the app stores.

utterance: OK.

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

utterance: Yeah. So let's just make that sure that's a hundred and seventy thousand please one last time.

utterance: Sure. That was a hundred and seventy thousand.

utterance: OK. Thank you for confirming that.

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

utterance: All right.

utterance: Bye.


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

utterance: Hi Ashton. How are you doing?

utterance: I'm not too bad. How about you?

utterance: Good. My name is Zachary Wright. And yeah I've been in banking with Intellibank for for many years I guess.

utterance: Oh well thank you so much for choosing us.

utterance: Of course. Yeah.

utterance: Is there yeah what can I help you with today?

utterance: Well Do you guys do do y- do you do you give out loans?

utterance: That is absolutely one of those services we offer here. We have four different tiers of loans. We have a two small business loans. We have a real estate loan. We have a secured loan.

utterance: Mhm

utterance: Oh yeah. Can you tell me what's the difference between a personal loan and a business loan?

utterance: Sorry we also have the term loan as well. Well we only do business loans here. So.

utterance: Oh I see.

utterance: Mhm.

utterance: Oh you only do business loans?

utterance: yep that's right.

utterance: No personal loans?

utterance: No sir. We are a business banking service.

utterance: That's very good cuz I've I've got a good business.

utterance: Wonderful. Is perhaps applying for a line of credit with us today or a loan interest you?

utterance: I'm gonna I'm gonna get a line of credit please.

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

utterance: OK. Can I put you on hold for one second?

utterance: Sure go ahead.

utterance: All right. I'm back. So sorry.

utterance: That's OK.

utterance: There was a deer in our backyard and I just wanted to take a look at it.

utterance: Oh wow well.

utterance: It was majestic.

utterance: Glad you're taking your time to metaphorically.

utterance: Mhm.

utterance: Smell the roses.

utterance: Mhm.

utterance: I think that's what they say? So And it is a bit of a process. Just need to get a lot of information from you.

utterance: Right.

utterance: Do you have a few minutes here? Can I get your first and last name?

utterance: Yes. Brendan McGovern.

utterance: OK. Gotcha. So not Zachary right? Bran's got it.

utterance: Well but Zachary is my middle name, that's what I go by, but legally it's it's Brendan.

utterance: Brendan McGovern. And I need.

utterance: Brand-

utterance: Brendan Zachary Zachary McGovern.

utterance: I need a full address. So that would include city, and state, and ZIP code.

utterance: Six zero three Cloverdale Avenue Los Angeles California nine zero zero three six.

utterance: And your social security number?

utterance: yes. let me look at my card. I have it in my wallet. Three five eight two one two five.

utterance: Well while you're looking at that do you have your ID? I do need your driver's license number?

utterance: Oh I don't yes. Hold on. My driver's license number is it's California-issued you know

utterance: Uh-huh.

utterance: X one two seven eight five.

utterance: That was my next question. Issued in the state of California?

utterance: That's correct.

utterance: All right. And your PIN number?

utterance: PIN number is four two one five.

utterance: Four two one five. What email address would you like to have on file with us?

utterance: Email address is Zach not Brendan at Gmail dot com.

utterance: Zach not Brendan Gmail dot com. When I refer to you on the phone sir do you want me to call you Zach not Brendan or just Zach or Brendan?

utterance: Zach please.

utterance: OK. and you said you had a wonderful business. What's the name of that business?

utterance: Zachary's Squirrel Squirrel Clothing. There's a lot of squirrels in our neighborhood and I just started making little sweaters for them and stuff and people really seemed to like that.

utterance: Sounds like a wonderful niche.

utterance: Mhm.

utterance: And you're the sole owner of this business?

utterance: yes I am.

utterance: What date was this business established?

utterance: The b- it was established in couple years ago. Twenty eighteen.

utterance: What are the gross annual sales?

utterance: Not doing too hot. But it's it's not it's not great.

utterance: Tax ID number?

utterance: One two seven eight five.

utterance: Business address the same as the other address?

utterance: That's correct yeah.

utterance: OK. And mailing address too?

utterance: Yes.

utterance: What is your desired credit limit?

utterance: five grand please.

utterance: Five thousand dollars. And I do need to know the purpose of this loan?

utterance: Just get my business rocking.

utterance: OK. Let's put business investment.

utterance: Mhm.

utterance: Great. So I've applied for that line of credit with you. We'll go through a process and you'll see the email verification of the approval in the next three to five business days. All right?

utterance: All right.

utterance: Great. Thank you so much.

utterance: Sound good?

utterance: Thank you so much for calling and for choosing Intellibank.

utterance: Mhm.

utterance: All right. Bye bye.


utterance: Good evening. Thank you for calling Intellibank, where customer service is our number one priority. My name is Divinia and I'll be happy to assist you on tonight's call. Who do I have the pleasure of speaking to?

utterance: Divinia, wow what a great name. I love that name. My name is Spencer.

utterance: Hi Spencer, well thank you so much I was actually named after my grandmother.

utterance: Wow Divinia, what does that mean?

utterance: I don't know, I just know that it's a family name. I was named after my grandmother and she was named after her mother.

utterance: Okay, cool that's just. Does it? It just feels like it means something.

utterance: It might.

utterance: It probably does. It means that its been passed on. from generation to generation.

utterance: Yes.

utterance: Yes, yes my family, my family. The the women in my family were very strong leaders They were traveling gypsies and they actually were a very intuitive bunch so there probably is some kind of meaning to the name.

utterance: Wow. Cool, I love that name already. I'm going to name my child Divinia.

utterance: OK.

utterance: All right Divinia, my name is Spencer.

utterance: OK.

utterance: And could you actually pull up my account please?

utterance: I sure can, Spencer what is your last name?

utterance: Klein.

utterance: K L I N E?

utterance: K L E I N.

utterance: O, right I meant it. I'm typing and talking, Klein like Calvin.

utterance: Yes, exactly.

utterance: And Spencer is S P E N C E R?

utterance: That's right.

utterance: Okay, great let me just get that in our system. Okay and can you please let me know your four digit pin number.

utterance: Sure thing, it's one three six two.

utterance: One three six two. There you go. All right and can you please verify your date of birth?

utterance: Yeah it's March third seventy-eight.

utterance: Seventy-eight, okay. Uh-huh. And your blood type? Just kidding. Wanted to see if you were listening.

utterance: What?

utterance: No this is best phone conversation over over bank stuff that I ever had.

utterance: Just wanted to see if you were listening. Okay.

utterance: O I was and if I wasn't, that got me to listen.

utterance: There you go, exactly. Okay so I'm just pulling up your account information and just a quick overview I see that you have your business gold card with us, your business total checking account, you have a smart savings account with us and you have your term loan, wonderful and.

utterance: So I want to know mhm what my debt, income ratio is.

utterance: Okay.

utterance: Right, cuz I know that I've been. I haven't been paying my debt off as much as I should be.

utterance: Okay.

utterance: So I'm probably. It's probably really high right now.

utterance: Okay, well I'll be glad to take a look at that for you.

utterance: Yeah.

utterance: And then I. It's. I'm a little embarrassed to say, I mean I've just kind of been spending it on clothes and N T N T wear.

utterance: Okay.

utterance: So,

utterance: Well listen, I don't see. I don't see any you know, what we call little red checks which show no payment or late payments So, so let's start off on a positive. You're definitely making your payments, they're on time. So let me just dig a little bit deeper in here and Spencer please just advise me of the time period you'd like me to look at. We can look at things by the quarter.

utterance: Okay.

utterance: So we can look at.

utterance: What do you recommend?

utterance: and you're looking at this because you just want to see how you're doing overall? Are you thinking about applying for a loan? Or you just wanna see how you're doing overall?

utterance: I wanna see how I'm doing overall.

utterance: OK.

utterance: Yeah I do wanna see. Actually, I, I don't wanna apply for the lo~

utterance: For a loan because I feel like I'm already in a little bit of debt and I'm behind on paying off some debt.

utterance: OK.

utterance: Got it.

utterance: So I I would love to see like sort of where I'm at.

utterance: Okay so what I would recommend and I'll just do a quick pull. I can get your, I can get the rating for the entire year of two thousand twenty, what the average is mhm and then I would. I'll look at the last two quarters for you.

utterance: OK great. Yeah.

utterance: OK cuz then you.

utterance: Can compare. OK so for twenty twenty.

utterance: Yeah?

utterance: It looks like your overall debt, income ratio was at twenty-nine percent.

utterance: OK.

utterance: So yeah, a little bit on the higher side but it's not terrible. I mean, I do see. I, I you know, it it should between between five percent and sixty percent. So you're still doing pretty well. Ideally just to let you know, you wanna try and get it under twenty percent.

utterance: OK.

utterance: OK yeah. So I. I thought it was actually higher.

utterance: With this. With this.

utterance: Yeah, I mean probably not the best time if you were gonna buy a house, but still not bad.

utterance: Okay.

utterance: Okay and so for the last two quarters.

utterance: Yeah.

utterance: The previous one was

utterance: Twenty-six percent and for the last quarter Twenty-nine percent again.

utterance: Okay.

utterance: So you're kind of averaging out around twenty-eight percent.

utterance: Okay, all right well thank you so much. I think that was enough information for me.

utterance: My pleasure and if we can do anything else for you please just give us a call and know that you can also access this information online.

utterance: Yeah.

utterance: Great.

utterance: Thanks for calling, Spencer, and have a great night.

utterance: You too. Bye Divinia.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Maxwell Jenkins. Where we are for the people by the people. Who do I have the pleasure of speaking with?

utterance: Blake Austin.

utterance: Hello, Blake Austin. All right, sir. How can I serve you today?

utterance: so I wanted to set up an appointment with a risk specialist and then I also wanted to add a new credit card for my existing account.

utterance: OK. No pr~.

utterance: And I guess

utterance: The reason that I needed a credit is because business is booming. I'm a movie producer. And essentially we just landed a A-list celebrity.

utterance: OK.

utterance: All right.

utterance: And I need a new credit card with a higher credit limit so that I can pay this said person.

utterance: OK, sir. No problem. Let me take care of the first one and I will work my way down to it.

utterance: Nice.

utterance: All right, sir. So we're gonna start with the risk specialist first that you would like to meet. Again, let me get your first and last name please.

utterance: OK. first first name is gonna be Blake. Last name is gonna be Austin. PIN is going to be twenty-four forty-four.

utterance: Blake.

utterance: OK OK.

utterance: OK. hold on really quick, sir. we're gonna go in order here. OK. But I will jot that down.

utterance: Last four of the social is.

utterance: Hold on

utterance: Real quick, sir. Please. All right. So the first. So I'm gonna need the address.

utterance: OK. Address associated with the account is going to be nine three four four.

utterance: Mhm.

utterance: Built. B U I L T. Avenue.

utterance: All right. And what city is that in?

utterance: It's gonna be Los Angeles.

utterance: OK. Los Angeles, California.

utterance: Correct.

utterance: All right. And how your ZIP code.

utterance: Nine one four zero six.

utterance: Nine one four zero six. All right. And let me get the your last four to your Social.

utterance: Ready?

utterance: Yes, sir.

utterance: Four nine three.

utterance: Four nine three.

utterance: Zero.

utterance: Four nine three zero.

utterance: Are you Are you interested in being in the film industry? Or?

utterance: A long time ago, man. I did theater, but you know. You know. I got married. Got kids and you know, I'm just living the dad life, man. So. You know.

utterance: That's awesome

utterance: Man.

utterance: Yeah.

utterance: Dad life is the best life to live, so.

utterance: And my

utterance: My daughter may do it though. She's she's she's pretty She's pretty great, so. You know.

utterance: OK. Does she.

utterance: Does she play any instruments?

utterance: she's actually, man, in theater.

utterance: OK.

utterance: So she's in theater and she's learning. She wants to. She wants to sing. Her mom plays the piano so she she's teaching her how to play.

utterance: Cool. Cool. Cool.

utterance: Yeah. Yeah. Yeah. Yeah. So. OK. last thing I just need your driver's license for to set you up with the risk specialist.

utterance: OK. I'm ready when you are.

utterance: All right, sir. You can go.

utterance: Three nine two seven.

utterance: Three nine two seven.

utterance: Four five.

utterance: Four five.

utterance: Six eight.

utterance: Six eight. OK. Thank you so much, sir. So I will jot that down. Would you like the meeting to be conducted by phone. Via phone or would you want to come in person? How would you want to set that up?

utterance: we can do phone.

utterance: Phone? OK. we have tomorrow eight o'clock or ten thirty.

utterance: Tomorrow at eight is perfectly fine.

utterance: OK. Tomorrow o'clock. Eight a.m.. All right. That will be a Wednesday.

utterance: OK.

utterance: All right. Jot that down. So we have all that, Mr. Blake. I'm going to see exactly the. What risk.

utterance: Specialist.

utterance: Specialist will be available for you. Sorry about that. it looks like James Austin will be there for you.

utterance: Nice.

utterance: All right. So, just make sure you bring all your documents in. We'll get that going. All right. Moving forward. Now you want to add a new existing limit to your credit card. Right? To your connected.

utterance: A a new credit. A new credit card. Yes, sir. And I need a limit of maybe ten thousand.

utterance: Account?

utterance: All right.

utterance: OK. Cool. That's no problem. OK. I have your name here, blank Austin. Let me get your date of birth.

utterance: Let me know when you're ready.

utterance: I'm ready, sir.

utterance: Zero four.

utterance: Zero four.

utterance: Nineteen.

utterance: Zero four nineteen.

utterance: Nineteen seventy-eight.

utterance: Nineteen seventy-eight. OK, sir. And then let me get your customer PIN number.

utterance: I have two four five five.

utterance: Two four five five. Awesome. And would you like the delivery method to be paperless or do you want it to be sent to your current address on file?

utterance: We can do current address.

utterance: OK. Current address. OK. And that's the one that you just gave me as well. Correct?

utterance: Correct.

utterance: All right. All right. So it will be sent. All right. To the three four four Built Avenue. All right. Forty-one four oh six. OK. And I have it in the system now for you, sir.

utterance: Awesome. Well thank you very much. I appreciate it. And you said the new card is gonna be sent out in a couple days?

utterance: And the new card of the limit. You said ten thousand?

utterance: Yes, sir.

utterance: All right. It's actually here. It's already loaded on. Everything is set. Everything is good. Your system's updated. It will be there within three business days.

utterance: Nice. Nice. Well thank you very much. I appreciate it.

utterance: No problem. We're here to serve, man. We care about our community and we just want to be able to do a great job for our people.

utterance: Awesome. Well have a great day. Thank you.

utterance: All right. Is there anything I can do for you, sir. Mr. Austin?

utterance: No. No. No. That's fine.

utterance: All right, sir. You have a blessed morning. Thank you for calling us cuz we love to serve you.

utterance: Thank you.

utterance: All right. God bless.

utterance: OK. And bye.


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

utterance: Yes Julian, I wanna make an internal transfer and also wanna enquire about my exchange rates.

utterance: OK, that's not a problem at all. let's go ahead and start with the internal transfer and then we will look up that exchange rate for you.

utterance: OK.

utterance: so to start, I'm going to need your full first and last name as it appears on your account?

utterance: OK, my full name, Nolan Chester. Birthday February nineteenth nineteen eighty-eight. Born in Redwood City, California.

utterance: That is all.

utterance: Right, I don't need where you were born but thank you very much for telling me anyway.

utterance: OK.

utterance: can I get that date of birth one more time? You were a little fast for me.

utterance: That was February nineteenth nineteen eighty-eight.

utterance: All right. And what is your four digit security PIN?

utterance: Six four six four.

utterance: And what is your six digit bank account number?

utterance: Five two eight three eight four.

utterance: All right. Just give me a moment here while this loads.

utterance: OK. I such a crazy day man. I I booked a flight to Amsterdam.

utterance: Oh.

utterance: Yeah, just kind of on a limb and then I had to cancel the flight right away because I realized that I actually hung out there too long before so able to come back in legally yet. I have to wait a certain amount of time before I'm allowed to re-enter the country. Not cuz I did anything bad. Just because that's the way it is over there. You have to wait a certain amount of time or else you're there on kind of an illegal. Need a Visa, a work Visa, something like that. I don't know. Have you ever been to Amsterdam?

utterance: I have not.

utterance: I I recommend it and I don't recommend it.

utterance: Were you able to get a refund for your plane ticket?

utterance: Nah I'm still looking into that like you know the travel site that I I went through and they've kinda been nonresponsive that's why I'm just taking care of this right now because you know, gotta knock things out while I can while the other one's not happening.

utterance: All right, well I'm sorry to hear about that.

utterance: That's OK.

utterance: so I have your account pulled up. and let's see here. I see that you have our Intellibank smart business checking account and and our Intellibank smart business savings account.

utterance: Mhm.

utterance: Mm.

utterance: From which account were you looking to transfer money from and which account were you looking to transfer money to?

utterance: From the business into the savings.

utterance: OK.

utterance: That's what

utterance: I have right?

utterance: yeah, you have our Intellibank smart savings account and our Intellibank business checking account. So you wanna go from the checking to the savings?

utterance: The savings to the checking.

utterance: Savings to the checking. And how much were you looking to transfer from the savings to the checking?

utterance: I wanna do forty-four thousand five hundred dollars.

utterance: OK, that shouldn't be a problem here.

utterance: OK.

utterance: Just give me a moment.

utterance: You got it. it is. You know me they're actually gonna refund me on that flight.

utterance: Oh that's excellent.

utterance: Yeah. Maybe I'll maybe I'll go somewhere else next time. I dunno man. Kinda crazy flying these days. You fly much?

utterance: Not much anymore. I'm mainly here at the call center.

utterance: Oh yeah yeah yeah. I know I I recommend if you can getting a more free schedule. Kinda helps your whole lifestyle. You know what I mean?

utterance: Oh I understand.

utterance: Mhm.

utterance: OK, that internal transfer has gone through. And I believe you said that you wanted to get an exchange rates as well?

utterance: Right.

utterance: And what rates were you looking at?

utterance: The two point eight percent promo offer.

utterance: what were you looking at exchanging the dollar for?

utterance: Yeah. Yeah for the dollar to the euro.

utterance: OK, dollar to euro. And yes, that is one point two four.

utterance: Oh that's lower.

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

utterance: No that sounds sounds all good.

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

utterance: Thank you.

utterance: Goodbye.


utterance: Hi, thank you so much for calling Intellibank. How may I help you today?

utterance: Hello.

utterance: Hi.

utterance: My name My name is Sharlene and I'd like to make an Intelli transfer.

utterance: All right, Sharlene, no problem. I can help you out with that. First, I am going to gather some information from you. So could pull up your account. May I have your first and last name please?

utterance: OK. My name is Sharlene Peterson.

utterance: All right. Thank you so much. Could you spell the last name for me, please?

utterance: P E T E R S O N.

utterance: All right, thank you so much, and can I get your date of birth?

utterance: OK, my date of birth is on the twenty-ninth of December, nineteen ninety.

utterance: All right. Thank you for that, and can I also get your pin number, please?

utterance: OK, my pin number is three five four six and my credit card number is four nine two nine three eight one three two seven five five two two four.

utterance: All right, thank you so much for both those pieces of information. I am looking up your account now.

utterance: OK.

utterance: All right and I believe you said you wanted to make a transfer between your accounts?

utterance: Yes, I want to make a transfer between my account and my account because there seem to be certain cash and they need more money for them to deliver all their goods. That's right. All that for for my business.

utterance: All right, no problem. I can help you out with that. What is the amount that you would like to transfer?

utterance: OK.

utterance: eight hundred dollars.

utterance: All right, eight hundred dollars and can I get the account number that you will be withdrawing this from?

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

utterance: All right, thank you. And can I get the account number that you will be depositing this into?

utterance: OK. Seven five eight six five four one nine one two.

utterance: All right. Thank you.

utterance: How is the weather over there?

utterance: Oh, the weather is so great, thank you. Yeah, it's very warm. Very nice. How's the weather with you?

utterance: It's also good. Can't complain much.

utterance: Yes, it hasn't been raining lately, so that's a good thing.

utterance: Yeah, that's a great thing.

utterance: All right, well I am currently making the transfer right now. And to confirm, it is eight hundred dollars?

utterance: Yes, eight hundred dollars.

utterance: All right.

utterance: All right it looks like it has just went through.

utterance: Oh, OK, and I was wondering could I please know how much is left in the account?

utterance: Sure, so right now, yes?

utterance: Oh. Oh.

utterance: Oh, Oh, just leave the maybe maybe just know when was the last transfer that that I made in this account.

utterance: All right no problem. the last transaction you made for this account?

utterance: Yes.

utterance: So, I see it was last week. So, October fifteenth was the last one.

utterance: OK.

utterance: Oh, OK. Thank you.

utterance: Yeah and that was for two hundred dollars.

utterance: Oh Oh, oh.

utterance: Yeah.

utterance: No. Oh yeah, now I can remember.

utterance: No problem.

utterance: And beginning of this transfer, how will I know it it's complete?

utterance: So, the transfer has just been initiated on my end and you should receive the transfer amount into your other account in about two business days. And you will know it you will know it has been completed through an email.

utterance: Oh, OK. So, it will take two days for it to reflect on the other account.

utterance: Correct, yes. Two business days.

utterance: Oh, OK. Thank you.

utterance: Yeah, no problem. Did you have any other questions for me today?

utterance: No, those were all for today.

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

utterance: Thank you, you too.


utterance: Hi, thank you for calling Intellibank. My name is Latisha. And how may I assist you today?

utterance: Hey Latisha. How are you doing today?

utterance: I'm doing quite well ma'am, thank you so much for asking. And how about yourself?

utterance: I'm doing great thank you. I'm actually calling to see if we could change our delivery method for our statements from paperless to paper. I'm actually quite embarrassed to say this, but the amount of email that I do get I think sometimes I might actually accidentally delete our statements. So I think it would just be a lot easier for us if we could have that sent to us in the mail.

utterance: All right ma'am, I'd be more than happy to assist you with that. I do need to get some information from you so I can pull up your account.

utterance: OK.

utterance: All right ma'am. May I have your first and last name as well as your birthday please?

utterance: Sure. This is Nicole. N I C O L E. Mckeever M C K E E V E R. And I'm calling with Magna Consulting and my date of birth is April the tenth nineteen fifty-nine.

utterance: All right. Thank you so much for that information Ms. Mckeever. Let me just go ahead and read this back to you to make sure I've got it correct. your last name was M C K E E V E R. You're calling with Magna Consulting, and I have your pin number as six nine six five six five four four. Was that correct?

utterance: Yes ma'am, that sure is.

utterance: Thank you so much Ms. Mckeever. Now let's see. I do actually have two addresses on file for you I have your street address as well as your PO box address. Which would you like your statement to be sent to?

utterance: I get so much mail we that's why we have our PO box we'll go ahead and get it sent there if that is OK. And let me go ahead and verify that PO box number with you. We had it changed from one of the small boxes to a larger box a while back.

utterance: Yes ma'am. Go right ahead with that PO box address.

utterance: OK. That is PO box five three one seven in Sunnyvale California.

utterance: All right. That is the address we had on file for you, PO box five three one seven in Sunnyvale California. And may I verify your email address just to ensure that we have been sending your statements to the correct place?

utterance: Yes ma'am, absolutely. the email address is Magna Consulting at A T T dot no no I'm I'm so sorry, it's Magna Consult at A T T dot net. And spelled M A G N A C O N S U L T. at ATT dot net.

utterance: All right, thank you so much for that information Ms. Mckeever, and that is the email address that we had on file for you. But I do have your statement delivery method changed from going to your email over to the paper statement, which will be coming to your PO box five three one seven in Sunnyvale California. And don't worry, we still have about a week left before we sent the new statements out, so you will receive your new statement by mail.

utterance: OK great. Thank you.

utterance: Yes ma'am. Is there anything else that I could assist you with today?

utterance: actually yes ma'am, Ms. Latisha. While I have you on the phone could I go ahead and check the balance of our SBA five oh four loan?

utterance: Absolutely. May I have that loan number please?

utterance: Sure. It is seven two three zero eight five nine seven one two.

utterance: OK. So I have seven two three zero eight five nine seven one two? Was that correct?

utterance: Yes ma'am.

utterance: Thank you so much. Just one moment while I pull up your balance.

utterance: OK. I do show your balance as eight hundred and thirty-six thousand four hundred seventy-one dollars and ninety-five cents.

utterance: Ok. That was eight hundred thirty-six thousand four hundred seventy-one dollars and ninety-five cents?

utterance: Yes ma'am, that is correct Ms. Mckeever.

utterance: Ok great. Thank you Latisha, you've ben very helpful today.

utterance: Thank you so much Ms. Mckeever. Is there anything else I could assist you with?

utterance: No ma'am, that'll be all, thank you.

utterance: Yes ma'am, and thank you for calling Intellibank. Have a wonderful day.


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

utterance: Yeah hey, Sam. This is John Rivers over at John Rivers Pizzeria.

utterance: Hey John, what can I do for you today?

utterance: Well, I was trying to buy some pepperoni's earlier using the mobile app and I can't seem to I I don't know I'm terrible with technology, you know, I prefer doing things the old school way.

utterance: Oh sure I totally understand. I'd be happy to help walk you through it. or I could help you. I could assist you over the phone. If you need a check you know, your account balances, make a transfer.

utterance: Yeah, that'd be great if we could do both of those.

utterance: Yeah, I could definitely help you with that. OK I just need to get a little bit of some verifiable information from you. can I get the first and last name on the account?

utterance: John Rivers.

utterance: Date of birth.

utterance: One eighteen of eighty-seven.

utterance: Pin?

utterance: hold on a second while I look that up.

utterance: Certainly.

utterance: All right that's fifteen ninety-five.

utterance: OK, can I please get the bank account number?

utterance: Oh shoot I got to look that up too hold on. That might be why I was having trouble with the mobile app.

utterance: Oh not a problem.

utterance: here it is thirty-three thirty-one seventy-nine fifty-nine.

utterance: Oh wait got that pulled up for you. So looks like you have a total checking account, is that correct?

utterance: Yes.

utterance: OK, looks like you have a balance in this account of ten thousand one hundred and twenty-five dollars and sixty-eight cents.

utterance: OK.

utterance: were you looking to make a withdrawal do a transfer?

utterance: I I was

utterance: Looking to do a transfer. I've got to go pay a pepperoni's.

utterance: Sure yep, I can definitely help you with that. are you looking to transfer that between your account and his account?

utterance: Yes.

utterance: OK. just a moment here while I pull up my screen again. OK, do you have the bank account. I'm sorry, do you have the routing number?

utterance: Yes, it's sixty-four one three three two eight nine oh six four seven.

utterance: OK, and then do you have the bank account number.

utterance: Yes, the bank account number is oh eight two two seven four.

utterance: OK, and how much where you looking to transfer?

utterance: six hundred and sixty-six dollars.

utterance: OK. Just give me one moment here. OK, I have made the transfer of six hundred and sixty-six dollars from your total checking account. into his account and that is an instant transaction. is there anything else I can help you with today?

utterance: No, you've been great thank you.

utterance: OK, well then you have a wonderful rest of the day.

utterance: You too.

utterance: Bye bye.


utterance: Good afternoon, thank you for calling Intellibank. My name is Jessie and I am here to assist you.

utterance: Hi Jessie, I need to cancel two checks as soon as possible.

utterance: All right. I hear you have an urgent manner. I'd be glad to help you with that. All right. May I get your name please?

utterance: Mhm.

utterance: my name is Beth Goldinian.

utterance: Beth, would you please spell your last name for me?

utterance: G O L D I N I A N.

utterance: I'm sorry. I'm typing at the same time. Can you please repeat that for me? The last name.

utterance: G O L D like gold. Not silver but gold. I N I A N.

utterance: Got it. OK, thank you so much. I'm just gonna repeat it back to you. G O L D I N I N I A N? Great. Thank you so much. All right and Beth, may I please have your date of birth?

utterance: Correct.

utterance: date of birth is twelve twelve seventy-seven.

utterance: One moment. Very good. And may I also have the four digit PIN number associated with your account?

utterance: seven one nine two.

utterance: Seven one nine two.

utterance: Mhm.

utterance: OK, thank you so much. Give me one moment while I pull up your accounts. So you have your checking account as well as your savings account, but you want to you said cancel two checks?

utterance: I need

utterance: To cancel two checks immediately. My last employer has been stealing from me and I found out he took cash from the cash drawer and I paid him in check and I just I just wanna cancel these checks.

utterance: Absolutely. I'm so sorry you're experiencing this. Beth, can you please tell me the checking account number.

utterance: the first one is zero one five four.

utterance: OK, so, I'm sorry, let me just clarify. You have two different checks from two different accounts?

utterance: No.

utterance: Same account.

utterance: Got it.

utterance: Just two checks from my checking account.

utterance: Great, OK. cuz I Thank you cuz I was only seeing the business total checking. So that account number is zero one five four.

utterance: Oh OK.

utterance: Right. And then the second one is zero two eight seven.

utterance: Oh, I apologize. I wasn't asking you for the check number. I was asking you for the checking account number.

utterance: Oh, I'm sorry. OK. Are you ready?

utterance: OK.

utterance: I am.

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

utterance: OK. Three one three two nine seven is the checking account number. and I still have zero one five four as one of the check numbers.

utterance: Right. And then, you know what? I gave you the wrong check number the second time so I need switching on hold to find the second check number.

utterance: All right, not a problem.

utterance: OK. you ready?

utterance: I am.

utterance: It's zero one six two is the second check number.

utterance: OK. So check number zero one five four and what is the amount?

utterance: the amount was three hundred and forty dollars.

utterance: All right. And for check number zero one six two, what is the amount on that one?

utterance: five forty.

utterance: Five hundred and forty dollars? OK. And rest assured, this will only take a few minutes to process and it'll be immediate. And I'm just going to. While I'm doing this I'm just gonna look into your account, just to see if any attempts have been made to cash this check because I don't see these checks as having cleared. But if it gives you peace of mind to see if they've attempted, I'd be glad to do that.

utterance: Correct.

utterance: OK, that'd be great. Thank you.

utterance: Sure. One moment. No, I do not see any attempts to put these checks through, so this will stop it immediately today. give me one moment, I'm just gonna put this into the system. And the reason being, you said, was theft.

utterance: correct.

utterance: OK. The And the theft thing is that they were stealing from you personally? OK. I I don't mean to be personal, but I only because I have to input this in the system. so I'm actually. we have a check also called a dispute, so I'm going to put that in there because I don't want anyone to think that these checks were stolen themselves. So just so you know, I'm changing the reason on here to dispute.

utterance: Yes.

utterance: Oh OK.

utterance: OK, you know I just don't wanna flag you as as theft. OK. All right. So I have I have put a stop payment on these check numbers zero one five four and zero one six two This will be effective immediately, so any attempts to cash these checks will be stopped. And I do have an email confirmation that just got sent out to you with all this information. Would you like the confirmation for that now?

utterance: Right.

utterance: Mhm.

utterance: actually, you know what? I see the email just came through and it shows the confirmation number on it.

utterance: Great.

utterance: I'm so sorry that you've experienced this. may I assist you with anything else today?

utterance: no, you're good. Thank you.

utterance: Thank you so much Beth, and thank you for calling Intellibank.

utterance: OK.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yes I need to get the balance on my checking account and also I need to know when my next statement date is.

utterance: Certainly! I'll be glad to assist you with that ma'am and if I could just ask what is your first and last name?

utterance: Evelyn Richards.

utterance: OK and Ms. Richards what's the name of your business that has an account with us?

utterance: Jones, Beth and bath.

utterance: Thank you Ms. Richards and I'll be glad to assist you with that. account security is very important to us here so I'll just ask a few questions in order to verify your account and again this is for your protection. Is that OK?

utterance: Yes it is.

utterance: Terrific. Ms. Richards if I could just ask what is your date of birth?

utterance: Eleven eleven eighty-four and my phone number is six seven eight three six one eight zero three one.

utterance: OK thank you for that and Ms. Richards if I could just ask what is your account number with us? Because it appears you have a preferred account with us. what is your account number for your preferred account?

utterance: it's nine eight four six five nine one.

utterance: OK that's nine eight four six five nine one.

utterance: Yes.

utterance: Alright, and finally Ms. Richards what is the pin number on your account?

utterance: One zero one seven.

utterance: OK that's one zero one seven?

utterance: Yes.

utterance: Terrific!

utterance: All right well, Ms. Richards let me see if I can get this pulled up for you and assist you with those matters that you called about.

utterance: Alright, that would be great. You know I'm so happy this is the weekend and I'm just telling you it's been a long week and you know just busy. So it's good to get. Although, you know, it would still be open but it's just good to. the weekend is, you know, here.

utterance: Oh yes ma'am. I agree with you you know. The weekend it's always a terrific time to maybe unwind a little bit relax and spend some time with those closest to you while you get ready for a new week ahead.

utterance: Oh yeah!

utterance: well yes ma'am. I was able to successfully pull up your account and Ms. Richards it appears that your account balance presently is twenty five thousand dollars.

utterance: That sounds right.

utterance: And it also appears that your next statement date on the account should be coming out on October the twenty-seventh. And it's the twenty-seventh of each month is when your statement date is.

utterance: OK good that's coming up next week I believe.

utterance: you are correct on that ma'am and again every month at the twenty-seventh of course you can change your statement date but it's only within once every quarter.

utterance: Oh OK. All right then.

utterance: and then is there anything else I can help you with Ms. Richards?

utterance: Yes, I need you to explain I'm trying to get up ready to make a seventeen thousand dollars purchase in London. So is is it anyway you can explain a dollar to me the pound to me?

utterance: absolutely! Great question there Ms. Richards. you're correct. because you do have a business preferred account with us. We do offer easy convenience for international transactions and so in this case if you're making an international purchase. In this case a dollar purchase to the British pound for seventeen thousand dollars that would convert to twelve thousand three hundred and sixty-two dollars and eighty-three pounds.

utterance: Oh OK. Can I repeat it?

utterance: Certain.

utterance: So is the British exchange is twelve thousand three hundred sixty-two dollars and eighty-three cents eighty-three pounds.

utterance: Yes.

utterance: Alright!

utterance: So that's what that would convert to. And what that does is. because of the type of account you have really those international transaction fees are very as a matter of fact there's no cost additional for that for you because of the status of your account and those transactions are generally processed within one business day for the transaction to complete even overseas.

utterance: That is good news.

utterance: Yes ma'am. We do try to make it very convenient for you. when you do business with us. even if you're doing it internationally and converting it from the US dollar to the British pound is something we absolutely can assist you with. And by the way we can do the reverse. the British pound back to the US dollar if for instance your customers paying you in British pounds we'll convert that to US dollars for you.

utterance: I'm glad you can do it for me.

utterance: Well, we certainly do want to make it as simple as possible for you there Ms. Richards cuz we want to help see your business grow. is there anything else I can help do with?

utterance: No.

utterance: Well, if that is all Ms. Richards. We certainly do appreciate you doing business with us and feel free to give us a call again.

utterance: I will. I learned a lot today.

utterance: Thank you. You have a great day.

utterance: You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Hello Lori. I would like to setup automatic billing on my Intel bank account.

utterance: Oh that's Intellibank sir. And sure, I can help you with that.

utterance: OK. You see I'm just too busy to keep up with payments and don't want to be late.

utterance: I totally understand sir. Let me just get some information from you, OK?

utterance: Sure. How's your day going?

utterance: Excellent. Can't complain. Beautiful weather. How about yourself?

utterance: Likewise.

utterance: You must be near me because everywhere else in this country is pretty bad weather right now.

utterance: Well, I'm.

utterance: Here in Fort Lauderdale Florida.

utterance: I live by you. We're neighbors.

utterance: Yep.

utterance: Yeah we are yeah we're very lucky to be in the south aren't we?

utterance: We so are.

utterance: I don't know how those people do it. It is frigid everywhere. Anyways. Our call back sir. What is your first name please?

utterance: Alexander Lopez. Date of birth is six six six two.

utterance: I'm I'm sorry that was Alexander Lopez L O P E Z? Date of birth was six six six two?

utterance: Yes.

utterance: Thank you for that information. And may I have your PIN number please?

utterance: Six two six two.

utterance: That was six two six two, sir?

utterance: Yes.

utterance: One moment please while my system updates.

utterance: All right, sir. Thank you for your patience. And the recipient's name please?

utterance: Myer.

utterance: Can you spell that?

utterance: M Y E R.

utterance: Thank you. And the recipient's address?

utterance: Twenty-one hundred South Tenth Street. Fort Lauderdale Florida three three three zero eight.

utterance: That was two one zero zero South Tenth Street?

utterance: Yes.

utterance: In the city of Fort Lauderdale Florida three three three zero eight?

utterance: Yes.

utterance: Thank you for that information. And may I have the source account number?

utterance: hold on a minute.

utterance: Sure.

utterance: OK. The source account is six three two eight seven one two nine eight.

utterance: Let me just repeat that back, OK?

utterance: Sure.

utterance: That was six three two eight seven one two nine eight?

utterance: Yes.

utterance: Thank you sir. And how would you like this payment made?

utterance: Electronic transfer.

utterance: And the destination account number please?

utterance: can you hang on a minute?

utterance: Yeah, yeah, no problem.

utterance: The destination account number is eight three nine two one seven six five four.

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

utterance: Yes.

utterance: And the destination routing number please?

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

utterance: That was six three two one eight nine three two one?

utterance: Yes.

utterance: Thank you sir. All right. You are all set. you're going to receive an email confirmation to the email we have on file at A Lopez two two at Gmail dot com Is there anything else I can help you with today?

utterance: That'd be it.

utterance: All right thank you very much for calling Intellibank sir. You have a great day.

utterance: OK. Thank you.

utterance: Mhm. Bye bye.


utterance: Hello, and thank you for calling Intellibank! This is James. How may I be of service to you this afternoon?

utterance: Sweet James! I'm looking for a loan.

utterance: All right! Well, you come looking in the right place.

utterance: Mm!

utterance: We have multiple loans a available from small business loans to term ones to our S P A seven A loan.

utterance: Uh-huh.

utterance: are you a small business owner?

utterance: Yes, sir!

utterance: And do you already have an account with us here at Intellibank?

utterance: I sure do!

utterance: Great! Well, we can get this process started very quick, very easily by pulling up the account that you already have.

utterance: Mhm.

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

utterance: My full name?

utterance: As it appears on your account here at Intellibank.

utterance: Bananery Leeman.

utterance: All right. And what is your date of birth?

utterance: My date of birth is September thirteenth nineteen ninety.

utterance: And what is your Social Security number?

utterance: That would be

utterance: Take your time. No worries.

utterance: Thank you.

utterance: OK. That would be six two zero three one two four six four.

utterance: And what is the email address that we have on file?

utterance: Bananas bananery.

utterance: Great!

utterance: At hotmail.

utterance: OK.

utterance: Do you think it's unprofessional to use Hotmail as my email address you know?

utterance: I don't

utterance: Think so. I still use it.

utterance: You do?

utterance: Maybe I'm not a good judge. Maybe I'm not the right person to ask, but.

utterance: You are giving out loans.

utterance: That is true.

utterance: So.

utterance: Sorry. A little work being done here in the office. It's. It's a little noisy.

utterance: I understand.

utterance: Yeah.

utterance: and I think we we. was it the SBA seven A that we were gonna apply for today?

utterance: Yes.

utterance: Mhm yeah.

utterance: And

utterance: What is your business name?

utterance: Judgy Vegans.

utterance: And what would the purpose for this loan be?

utterance: The purpose is just to handle some some administration costs related to my business.

utterance: OK. I'll put up the administration cost here.

utterance: Thank you.

utterance: And what was the date that you established your business?

utterance: The date that I established my business was. Can you hear me?

utterance: Oh, yeah! Absolutely!

utterance: Oh, OK. Thank you. The date that I established my business was August fourteenth two thousand and four.

utterance: All right. August fourteenth two thousand four. And I'm gonna need that business's tax ID number.

utterance: Mhm.

utterance: OK. That's going to be six one two three two four zero one seven.

utterance: Are you the sole owner of that business?

utterance: Yes, I am. Mhm.

utterance: All right. And how much were you looking to borrow today?

utterance: Seventy-five thousand dollars.

utterance: All right. Seventy-five thousand dollars is within what we offer with our S B A seven A.

utterance: Perfect!

utterance: And what kind of term were you looking for? When would you like to get that paid back?

utterance: ideally as soon as possible, but let's go with a year.

utterance: All right. Well, that would make your monthly payments close to seventy.

utterance: Thousand dollars with interest.

utterance: Mhm.

utterance: I would recommend three years for the term.

utterance: Three?

utterance: Yeah. How does that sound?

utterance: Oh,

utterance: OK. And then if I'd like to make some payments in advance that's available?

utterance: Absolutely! We would actually. Since you have our Intellibank business checking account, we can actually set it up so that those payments come right out of your checking account.

utterance: Mhm.

utterance: OK, great! Let's do that.

utterance: All right. Then I just need the six digit account number.

utterance: Six digit account number. Six digit account number. I have little little songs to remember things.

utterance: Oh, that's fantastic!

utterance: Thank you.

utterance: Whatever helps, you know?

utterance: Yeah.

utterance: Keeping it fun!

utterance: Mhm! Do you do do you do that at all? OK. So the six digit account number is three three six zero one one. That's it.

utterance: no.

utterance: All right. Zero six one one. And that application has been entered.

utterance: Mhm.

utterance: Mm!

utterance: now, unfortunately, we will not have the results for you today.

utterance: Mhm.

utterance: But we can let you know in within two to five business days.

utterance: Mhm.

utterance: will that be all right?

utterance: Yes!

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

utterance: Not today. Thank you so much.

utterance: Then thank you so much for calling Intellibank, and you have a wonderful rest of your day!

utterance: Goodbye!


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

utterance: Hi Frank. I am calling to request a new credit card, as in a replacement. I seem to have misplaced mine. I don't know where it is.

utterance: Oh I'm very sorry to hear that. That's not a problem at all. let's go ahead and start by pulling up your account info.

utterance: Ok, first I wanna know just because I have all these automatic payment things, is the card itself, the new card going to have the same numbers on it? Or it'll be a totally different card with different numbers?

utterance: well, that is up to you. We can send you a direct replacement card with the same numbers and everything. Or we can send you a new card. But if you believe this card may have been stolen, or if it's been misplaced and someone could find it, I would recommend, and we here at Intellibank recommend that you do get an entirely new card.

utterance: OK, let's do the totally new card, then.

utterance: OK. Sorry about that.

utterance: That's OK.

utterance: All right, let's start by getting your full name, first and last, as it appears on your account.

utterance: Sure, it's Danny Dylan.

utterance: All right, Mr. Dylan, and what is your date of birth?

utterance: July twenty-fifth, nineteen fifty-six.

utterance: All right, And what is your four digit security PIN?

utterance: Seven four three one, could you hold on one sec?

utterance: Absolutely.

utterance: All right, be right back.

utterance: Take your time.

utterance: OK.

utterance: OK I'm back.

utterance: Great, thank you very much.

utterance: What's next?

utterance: you were looking for your four digit security PIN.

utterance: I think it's, yeah, seven four five one.

utterance: I got your account number.

utterance: Uh-huh.

utterance: All right. OK So I'm looking at your account here. OK the good news is there haven't been any charges to your cards today.

utterance: All right.

utterance: But I am gonna go ahead and put a stop on your card.

utterance: Great, I wish this would have happened one time I literally woke up, got a bunch of alerts on my phone. This is years ago, not this particular card. I had spent ten thousand dollars in one night, and I have no recollection of it. any of it. And I looked up the charges on the card, and it was all Chinese food.

utterance: Oh, my goodness.

utterance: Oh, that's a lot of Chinese food.

utterance: Yeah and then my friends, who I had basically gone out with, had way too many drinks, said I bought Chinese food for a whole block of a neighborhood.

utterance: Oh.

utterance: Crazy, right?

utterance: Yeah, I Yeah that's not that's not great.

utterance: Yeah.

utterance: All right, so I'm gonna need your sixteen digit card number.

utterance: Sixteen digit card number. Oh the one that's lost. That was seven zero nine three, Eight six two two, one one four five, nine nine nine three.

utterance: And because I'm send you a new card I'm gonna have to ask you one of your security questions, if that's all right with you?

utterance: Go right ahead.

utterance: I'm gonna need to know your first pet's name.

utterance: Spritzer.

utterance: That is correct.

utterance: Mhm.

utterance: And then I'm just gonna need you to verify the mailing address that you would like your replacement card sent out to.

utterance: Yeah that's gonna be two two nine East Seventy-sixth Street, Queens, New York, nine one five two six.

utterance: All right. OK, I have entered that in. And your new card is being sent out today. You'll receive it in two to three business days. Is there anything else I can help you with?

utterance: That should do for now.

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

utterance: OK, bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Sarah, how may I help you?

utterance: Hi my name's Tammy Smith. I'm calling to talk about opening up a business checking account.

utterance: Hi. Good afternoon, Tammy. I'd be happy to help you. How are you doing today?

utterance: Oh, you know. I'm doing fine. you know, just working on some stuff for my business and getting some things done around the house.

utterance: Perfect. Hope you're having a productive day. May I ask what your address is?

utterance: Yes. My address is fourteen fourteen Newport Street.

utterance: OK. And, what city is that?

utterance: Farmer's Branch and Texas is the state.

utterance: And, what about your ZIP code, ma'am?

utterance: Oh, that's seven five zero zero nine.

utterance: Perfect. And, Tammy, what is your social security number?

utterance: Six five five four three excuse me zero nine eight eight. Did you get that?

utterance: Yes, ma'am. What about your driver's license number?

utterance: zero three seven six four four nine two.

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

utterance: It's in Texas.

utterance: Perfect. And, do you happen to know your customer PIN with Intellibank?

utterance: Yeah, it's zero nine eight eight.

utterance: Perfect. And, what about your email address?

utterance: I'm not sure which one you have on file. It's either T S one two four at Gmail or T Smith at one two three at Yahoo dot com.

utterance: It is a Gmail address. Is that the one you'd like us to keep on file, ma'am?

utterance: Yeah, that's fine.

utterance: Perfect. And, you said you're trying to get a checking account set up for your business. What is your business name?

utterance: My business name is Tammy's Tumblers. you know, I make you know those like tumblers. The ones that keep your drink cold all day.

utterance: Yes, ma'am.

utterance: I customize those for people on Etsy. You wouldn't believe the things that people order for tumblers. But I have one with all of my dogs' faces on them and their names. Isn't that just the cutest?

utterance: Yes, ma'am. Do you have a lot of dogs?

utterance: you know, I I have a lot of land, so I do. I have eight dogs.

utterance: Do you have any pets?

utterance: Yes, ma'am, I do. I have two dogs. Thank you for asking.

utterance: Oh, wow. What are their names?

utterance: Zeus and Bear.

utterance: Oh. What kind of dogs are they?

utterance: They're both I would call them mutts. They were both strays that we took in from the pound.

utterance: You know

utterance: That's just the sweetest thing ever. The most compassionate.

utterance: I too have a bunch of strays that I took in and they're just the best dogs.

utterance: that I couldn't agree with you more.

utterance: So, Tammy, are you the sole owner of your business?

utterance: yes, I am.

utterance: OK. And, what date was your business established?

utterance: June fifteenth of twenty twenty.

utterance: So just a little over a year ago. Well congratulations on that. Do you mind if I ask what are your gross annual sales?

utterance: Thanks.

utterance: Oh, well you know, they're only at thirty-eight or thirty thousand dollars.

utterance: Ok, perfect. And, what about your tax ID number? Do you have a tax ID number for your business?

utterance: Yes. It's eight seven seven six five three zero nine four six.

utterance: Perfect. And, what about your business address?

utterance: Eight one zero two South Clark.

utterance: It's in Plano, Texas seven five zero nine two.

utterance: Great. And, what about your mailing address?

utterance: You can go ahead and use the same as the business address.

utterance: OK. The one on Clark Street in Plano?

utterance: Yeah.

utterance: Perfect.

utterance: So, do you know what type of checking account you're looking to open?

utterance: no. what are your recommendations?

utterance: Well, at Intellibank we offer two different types of business checking accounts. We have our Total Checking and our Preferred Checking. based on some of the information you've told me about your business, I would recommend the Total Banking.

utterance: A couple of wonderful features on that, it is an interest bearing checking account and we also we offer online banking.

utterance: If you would be interested in that.

utterance: on the online banking do y'all have apps for Android and iOS?

utterance: Yes ma'am. The Intellibank has an app, it's available both on the Android and the iOS platform.

utterance: And once you download it, you have instant access to your all of your account information including your balances. You can pay bills, transfer money, whatever you need to do directly from your online banking app.

utterance: Would you like for me to email you some information about how to set that up?

utterance: yes, I would. Sorry, my cat just jumped up right next to my phone.

utterance: Oh no you have cats and dogs. That's wonderful.

utterance: And chickens, and cows, and goats. I have lots of animals.

utterance: Wow.

utterance: yes. I know I'm very lucky.

utterance: you know, I think I'm just gonna go with the Total Checking account. I'll go with the recommendation.

utterance: Perfect. Do you know what the initial balance you're gonna want to have to open that account?

utterance: Yeah, I'll go ahead and put five thousand dollars in there.

utterance: OK. And, how would you like to fund that account?

utterance: my personal checking account. Hold on one second, all right? I have to go find the paperwork.

utterance: Thanks. While you do that, we'll need the both the bank account number and the routing number. And, take your time while you go do that.

utterance: All right. Thanks.

utterance: Oh hold on. Wrong bank account. Hold one one second.

utterance: No worries. Take your time, Tammy.

utterance: My husband would be so mad if I took out five thousand dollars out of our joint account.

utterance: I can imagine.

utterance: Oh it here it is. I found it.

utterance: Perfect. OK. So, can you give the routing number first please?

utterance: yes. That's gonna be zero one one nine two zero oh my goodness. Let me start over. I read that wrong.

utterance: OK.

utterance: zero one one nine two eight zero one seven.

utterance: Perfect. And, what about your bank account number?

utterance: that's going to be seven six five three zero zero nine.

utterance: Perfect. If you'll give me just a minute, I will go ahead and find this account and I will have all of your bank account information ready.

utterance: Yeah, I'm gonna go ahead and stay on the phone with you while you find that.

utterance: also, I just have some questions. So, am I gonna get a debit card with this account?

utterance: OK.

utterance: Yes, ma'am. OK, I've got it all set up now.

utterance: you will be getting both a debit card and you can have business checks, if you would like those. I can have those ordered and sent out to your mailing address.

utterance: Yeah. I would rather just look online and see what kind of designs you guys have cuz I'm kind of picky.

utterance: Absolutely. So, if you go to Intellibank dot com and then go to checking you'll be able a list of all the different checking designs that we have.

utterance: You can select whichever one and then just give us a call back and we'll be happy to place that order for you.

utterance: OK, perfect. Thank you so much.

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

utterance: Nope, that's it.

utterance: Great. Have a great day, Tammy. Thank you for calling Intellibank.

utterance: You too, Sarah.


utterance: Hello thank you for calling Intellibank. This is Daniel. How can I help you today?

utterance: Hey Daniel, how's your day going?

utterance: Thank you so much for asking. I'm having a fine fine day sir and how about yourself?

utterance: Oh. TGIF Thank God it's Friday huh? This weekend cannot come soon enough.

utterance: Wow that. Is that right? Well I'm glad that you've made it to the end of the week and that you're getting this sense of relief.

utterance: Yeah sometimes you don't know if you're gonna make it. anyway I was just calling to to make a payment.

utterance: OK you wanted to make a payment on. We have several accounts loans

utterance: Oh, I'm sorry. Yeah. It's a. It's a loan.

utterance: And I wanted to pay pay on the loan.

utterance: you want to pay off a loan.

utterance: Yes. Well not.

utterance: All right.

utterance: Pay it off. Make a payment on it.

utterance: It's just a singular payment at this time?

utterance: Yeah.

utterance: Just a. what is it? Yeah one time.

utterance: OK. Yeah I can do a one time payment for you and process that by phone.

utterance: OK.

utterance: Also I just wanna let you know in the future you can do that online at Intellibank dot com or through the mobile app. If you want more details about that I can give you that also.

utterance: I can.

utterance: Schedule on the app too?

utterance: Absolutely.

utterance: OK.

utterance: And if you want further details of that I can give you that at the conclusion of this call but you did call me to make this payment and I wanna offer that service for you today and get you going on your way. So.

utterance: Is there. Is there an additional fee to schedule the payment online or is that free?

utterance: No additional fee sir and you have access to your account twenty-four hours a day seven days a week through Intellibank dot com or the mobile app. The mobile app itself is free as well and you can download that through the app store and it is for iPhone or Android and that that that's basically the the the chunk of the information I wanted to give at the end. If you have additional questions you let me know and I'll.

utterance: Oh good.

utterance: OK.

utterance: Is there?

utterance: You mentioned iPhone. What. I just got an iPad. Does it work on the iPad too?

utterance: It should work on the iPad. Yes sir. So yeah you maybe will find that more convenient in the future but did you wanna continue with this singular payment right now by phone?

utterance: OK.

utterance: Yeah, let's.

utterance: Let's go ahead and schedule one.

utterance: OK I'm happy happy to process that for you so let's get that going. You said you had a loan with us. Do you know if it's a term loan? A secured loan? Is it the SBA seven A loan?

utterance: it's.

utterance: It's a secured loan.

utterance: A secured loan. I will pull that secured loan up for you after these brief security measures I have to take. I need your first and last name.

utterance: Yeah it is Ryan Wilson. Ryan Wilson.

utterance: Ryan Wilson. Ryan, I would need your date of birth as well.

utterance: Yeah that is June twelfth nineteen eighty-three.

utterance: June twelfth nineteen eighty-three. and your four to eight digit PIN number?

utterance: yeah got that here. OK that is. Excuse me that is seven nine three zero three.

utterance: OK. Ryan, I'll also need your loan account number that's six to ten digits and a second six to ten digit number. That's the payment bank account. So that's the loan account that you're paying into and the account you're paying out of in in order to make this one time payment.

utterance: Mm OK and you don't have. You don't have that those numbers in front of you?

utterance: I just need to verify them for security measures. Make sure that we are paying from the correct account into this loan.

utterance: OK so here's here's the account I'm paying into. The The number is four seven seven three zero zero zero three.

utterance: Mhm.

utterance: Sorry. what do you need next?

utterance: That's correct. I need the payment bank account number.

utterance: OK that money. Where the. where the money's coming from?

utterance: That's correct.

utterance: OK. Lets's One two zero zero three four nine.

utterance: All right and finally I need a payment routing number.

utterance: Yeah that it is. Here it is. OK that is seven nine zero zero five eight three nine.

utterance: Gotcha. OK.

utterance: Yeah. Whew. How about you? You got plans for the weekend?

utterance: You know what for the first time ever, I've never done this, I have been making a little bucket list. I'm going to rent a jet ski.

utterance: Oh boy. What what what body of water are you gonna go on?

utterance: There's a lake I live by Lake Havasu.

utterance: Oh wow. So that's. What what is that? Arizona?

utterance: That's correct. It's got a little bit of a party lake sometimes there.

utterance: Oh.

utterance: Just a little bit.

utterance: Phew I'm gonna make sure I'm way on the outskirts though cuz I'm an inexperienced rider. I wanna make sure that I'm not hurting anyone.

utterance: Yeah.

utterance: That what that's spring break central isn't it?

utterance: It is. I try to avoid that whole area during that time.

utterance: Yeah you know actually my brother has kind of a gag joke. for one year they were already in their thirties but they were doing a bachelor party and it sorta just almost ironically they had the bachelor party on Lake Havasu.

utterance: Hmm.

utterance: Just cuz they were so old. They were kind of just joking how old they are to.

utterance: Right.

utterance: Be doing something that you know people in their twenties still do.

utterance: Oh wow. Interesting. So yeah I just wanna finalize this payment for you. I will need your payment date that you wanna make this on.

utterance: Yeah let's do next Wednesday.

utterance: Next Wednesday August twenty-second two thousand twenty-two.

utterance: Yeah.

utterance: Twenty-second.

utterance: All right and finally the amount of the payment you'd like to make.

utterance: yeah that's eight hundred dollars please.

utterance: Eight hundred dollars even. You got it. All right sir so we provided the service you were looking for and gave you enough information on our online banking system. Is there anything else I can help you with today?

utterance: no that is it.

utterance: All right. Thank you so much for calling Intellibank.

utterance: OK.

utterance: Bye bye.


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

utterance: Hey how you doing Jerry? I'd like to order some checks. Can you help me with that?

utterance: Certainly, I'm doing well, thanks for asking and I I'm going to pull up your account and see if we can assist you with that check order request. What is your first and last name?

utterance: Benjamin Freeman.

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

utterance: Lays Construction Company.

utterance: All right thank you Mr. Freeman. Now I'm gonna ask a few questions for account verification purposes. We do take your account security very seriously here, and of course, this is for you and your business's protection. first Mr. Freeman, what is your date of birth and phone number?

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

utterance: All right, thank you for that Mr. Freeman, and what is your account number?

utterance: OK, my account number shh eight four Let me correct this. The account number is nine eight four six five nine one nine.

utterance: OK, now you said you needed to correct that. what was the account number again?

utterance: Nine eight four six five nine one nine. That's right.

utterance: All right, and what is the PIN number for the account?

utterance: That PIN number is one seven nine five. Yeah, very very happy and just so. Be alive today, I tell you. So many people have have lost their lives over the years last year, so I'm just so happy to be here.

utterance: Well I can certainly understand that feeling, I think pretty much everyone would share that sentiment. it has been quite a heartbreaking year when it comes to the pandemic, but hopefully we're nearer the end of that versus being in the thick of it.

utterance: Hopefully, but you know it's, you just take one day at a time.

utterance: It's a great way to look at that, Mr. Freeman. A great way to look at it. Now you mentioned Mr. Freeman that you wanted to place a request to order business checks, is that correct?

utterance: That's correct.

utterance: All right, Mr. Freeman let me ask, what is the shipping address that you want these checks sent to?

utterance: send them to three six eight eight Layman's Court Smyrna Georgia three zero zero eight zero.

utterance: OK, and could you just repeat that again to ensure that I have the correct address to send these checks to?

utterance: Three six eight eight Layman's Court Smyrna Georgia three zero zero eight zero.

utterance: OK, I'll repeat that. That's three six eight eight Layman's Court Smyrna Georgia three zero zero eight zero.

utterance: That's correct.

utterance: And Mr. Freeman, how many checks did you want to order?

utterance: two hundred and fifty.

utterance: OK, so you wanted to go ahead and place an order for two hundred and fifty checks for Lays Construction Company to be mailed and shipped to three six eight eight Laymen Court Smyrna Georgia three zero zero eight zero.

utterance: That's correct.

utterance: All right, and I was able to go ahead and process that request Mr. Freeman, and with that being the case Mr. Freeman, is there anything else I can assist you with?

utterance: No that'd be all. Was was was getting low so I wanna run out of anything so I was trying to stay ahead of it so no, that be all. Thank you very much.

utterance: Oh it's pretty smart planning there, is of, make sure you don't run out of supplies and always have a steady and ready supply and I'm glad that you were able to give us a call and we could accommodate your request.

utterance: Thank you.

utterance: Thank you, Mr. Freeman and you have a terrific rest of your day.

utterance: You too. Bye bye.

utterance: Bye bye now.


utterance: Hello, and thank you for calling Intellabank. This is Mitchel how may I be of service to you this afternoon.

utterance: Hello, Mitchel, I'm just need a little bit of information regarding my debt ratio.

utterance: Oh, that will not be a problem at all. mhm.

utterance: So, I'm assuming that means you have an account here with us at Intellabank.

utterance: I do, yes.

utterance: All right.

utterance: Mhm Let's go ahead and pull that account up.

utterance: Great.

utterance: I'm gonna need your first and last name as it appears on your account.

utterance: Ok, and that would be Lauren Bouchard, B O U C H A R D.

utterance: That was R D?

utterance: R D, yes.

utterance: All right, thank you for that. Mhm And I'm gonna need your date of birth.

utterance: Mm, okay. That is August fourteenth, nineteen seventy-seven.

utterance: Great.

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

utterance: OK, it's gonna be six two zero, three two four three four four, and D nine eight, nine eight, seven one.

utterance: All right. And to get into your account, I'm gonna need your four digit security PIN.

utterance: zero one four nine.

utterance: That does not appear to be correct. is there another four digit number?

utterance: OK.

utterance: Yes, I use different PINs for all of my, all of my information. That's why sometimes I get them mixed up.

utterance: Very smart.

utterance: That is very, very smart.

utterance: It

utterance: Is?

utterance: Yes, that's what they tell you to do.

utterance: Oh, okay .

utterance: I only

utterance: Use one and it is a problem, I have been hacked multiple times.

utterance: Oh jeez.

utterance: Yeah.

utterance: Ok.

utterance: All right, well let's give it a try with two eight three zero.

utterance: All right. Just need the computer to load here. Give this just a moment.

utterance: Kay.

utterance: Sure.

utterance: All right. Yeah, that is correct. We are in to your account. I see all your different accounts here. Mhm Oh, yeah. You've been with us a while.

utterance: Perfect.

utterance: Sure have, sure have.

utterance: Great.

utterance: All right. So, you were looking for your debt to income ratio.

utterance: Yes.

utterance: over what time period would you like that? We can give it to you any where from five to twelve months.

utterance: Can I get it for five months, please.

utterance: Sure.

utterance: And what was your last years total gross income.

utterance: Eighty-five, eighty-five thousand.

utterance: Ok, we're just pulling this up. Mhm Give the system just a moment.

utterance: Sure.

utterance: Ok, mhm and just so you know.

utterance: Yes.

utterance: in the future, if you're looking for your debt to income ratio, mhm you can get it twenty-four hours a day, seven days a week online by signing up for an online Intellabank dot com online account. Oh Or, by downloading our Intellabank App to your smart phone oh available at any of the App stores. Mhm and then what you'll do is you'll sign up using the same information that you gave to me today.

utterance: Mhm.

utterance: And then we have a calculator right there on our website, mm that allows you to calculate your debt ratio.

utterance: Wow, really.

utterance: Yeah, all you need to do is take the value of your company's monthly debt payments and divide that by your company's growth, gross monthly income. Oh Would you be interested in signing up for our online or App services today?

utterance: Absolutely.

utterance: Great.

utterance: Now like I said, that is something that you can do yourself, Oh by logging onto our website.

utterance: OK.

utterance: but, to finish up with this call today, mhm let's go ahead and get that debt income ratio for you.

utterance: Thank you.

utterance: So, it's looking like, over the last five months, mhm your debt to income ratio mhm is twenty-eight point two percent. Oh Yes, that was twenty-eight point two percent.

utterance: Twenty-eight point two.

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

utterance: I don't think so.

utterance: All right. Well, good luck with setting up that online line account.

utterance: Thank you.

utterance: And thank you so much for calling Intellabank.

utterance: You have a happy Halloween, a wonderful holiday weekend, and a great rest of your year.

utterance: Please do the same.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


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

utterance: Hi I was hoping to check my loan balance.

utterance: Sure. OK. Can you give me your name please?

utterance: Yeah it's Patty. Patty Shindy.

utterance: Patty Shindy. Paty Shindy. All right. And can you give me your last four of your social Paty?

utterance: It's three two nine one.

utterance: OK great Paty. Just a date of birth. Just so we can double verify that it's you.

utterance: Four twenty fifty-six.

utterance: Fifty-six.

utterance: Mhm.

utterance: All right.

utterance: Ya.

utterance: All right Paty so I'm looking through your loan balance here. It says you have twenty five thousand still to pay.

utterance: Mm.

utterance: That's quite a chunk of change that you paid off already.

utterance: It is but I didn't realize that there was still so much of my loan balance for me to pay off.

utterance: Ah so Yeah it says you've been making every payment on time and

utterance: I have

utterance: Been, yeah.

utterance: And if we go back and get all the history of the payments. Let me see here. Do do do do do. Ya it looks like we it it the account balance is right.

utterance: Since I've been. Well, since I've been paying everything on time. Is there like some kind of other offer that that could be worked out for me? For paying back? like maybe I could make a payment every three months now or something like that?

utterance: let me see here. Let me see what we could do.

utterance: I can, ya. Something would be helpful. How's your day going by the way?

utterance: My day's

utterance: Going very well. Thank you for asking.

utterance: It is?

utterance: Ya.

utterance: You know I had calls about this a few months ago.

utterance: Uh-huh.

utterance: And somebody, another representative that I spoke with, sort of assured me that if I was able to make my payments on time for the next six months that they would be able to kind of consolidate and just let me pay a bigger amount.

utterance: I think I remember hearing about this. Did you speak with Rita?

utterance: Yes mhm.

utterance: Rita?

utterance: Like the custard. Rita's Custards.

utterance: Rita's Custards. I can't say we ever had Rita's Custards.

utterance: Oh I've never had any either. But there's a Rita's Custards that I pass on my way to work a lot.

utterance: Interesting.

utterance: Ya.

utterance: I'll have to give it a shot if I see it.

utterance: Do you like custard?

utterance: Oh I love custard. Custard is great. I love ice cream. I love I love it all.

utterance: It.

utterance: Yeah?

utterance: Ya. That's nice.

utterance: Yeah. You

utterance: You.

utterance: You sound like a nice young boy.

utterance: Oh thank you. I'm I'm only sixty-two.

utterance: Huh? Oh! You're a little older than I thought from the sound of your voice.

utterance: Yeah. I I'm a vegan.

utterance: Hey! You know what? I'm vegan, too!

utterance: Oh my gosh!

utterance: So you only eat vegan custard then.

utterance: Do you have a pen?

utterance: Yeah, only vegan custard.

utterance: You know, that's

utterance: Pretty hard to come by.

utterance: Yeah it's it's it's hard because of the eggs and stuff.

utterance: I make my own vegan custard at home.

utterance: Do you?

utterance: Mhm.

utterance: How do you get rid of the eggs?

utterance: Well I substitute with like an agar-agar type of tapioca combination.

utterance: Interesting.

utterance: Ya.

utterance: All right. Well I'm looking at your file here.

utterance: Mhm.

utterance: And what we can offer. We can consolidate and if you do make bigger payments it will help bring that balance down a lot quicker than.

utterance: Mhm.

utterance: Ooh I like the sound of this.

utterance: Ya.

utterance: OK let's do it.

utterance: Let's do it so. Would you like to pay twenty percent more, fifty percent more. Would you like to double what you're paying?

utterance: Mhm.

utterance: When I can make a payment every three months.

utterance: you can make a payment you know sure.

utterance: OK, great. So go for three months and then I'll pay fifty percent increase.

utterance: That sounds great.

utterance: Mhm.

utterance: That sounds perfect. Is there anything else I could do for you today?

utterance: Well you can just tell me what your favorite flavor of vegan custard is.

utterance: I love vanilla.

utterance: That's your favorite.

utterance: That's my favorite.

utterance: Wow we are two peas in a pie.

utterance: Oh are we now?

utterance: Ya.

utterance: You like vanilla as well?

utterance: I love it.

utterance: Oh that's great.

utterance: Ya.

utterance: Vanilla is delicious. Is it not?

utterance: It it really is.

utterance: Ya. are you interested in hearing by anything else?

utterance: Yeah.

utterance: Oh like custard recipes or baking info?

utterance: I need the custard recipes but We'll go by along that another time.

utterance: Do you think it's inappropriate for me to give you my personal number? And you'd like to talk again or is that is that available?

utterance: Surely, lemme.

utterance: Go ahead.

utterance: OK. It's six two six.

utterance: Six two six.

utterance: Three one one.

utterance: Three one one.

utterance: Four three four two.

utterance: Four three four two.

utterance: Ya. You can just. We'll just talk about custard you know.

utterance: Oh great it will be a custardy day.

utterance: Totally.

utterance: All right. Thanks for your call.

utterance: Yeah. Thanks. See you.

utterance: Tell you later.

utterance: Bye.

utterance: Bye.